PODCAST · business
Dev Raga Personal Finance
by Dev Raga
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday. Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.
Episodes
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640 maximising parental leave schemes for doctors
In today’s episode Dev unpacks the current paid parental leave entitlements, touching on: 👉🏾 what is the paid parental leave scheme 👉🏿 how does it compare for Commonwealth vs employer based schemes 👉🏻 some of the pitfalls to avoid 👉 strategies to maximise your parental leave Dev Raga...
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639 how automation leads to wealth
In today’s episode Dev unpacks how automating your investing can fast track your wealth-building journey touching on: 👉🏾 automating vs doing everything manually 👉🏿 real life examples and $$ difference 👉🏻 6 practical ways to setup automation in your everyday life 👉 how it can lead to less...
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638 is super my money?
Superannuation reform has been making headlines recently, so let's talk about the arguments for and against accessing super early. Dev touches on: 👉🏾 it's my money, why can't I access it? 👉🏿 the tax advantages 👉🏻 what happens if early access is allowed? 👉 the power of compounding 👉🏼 what...
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637 lending niches in the current market with Rachelle Kroon
In today's episode Dev is joined by Rachelle Kroon from Sphere Home Loans for an update on the current lending landscape. They touch on: 👉🏾 how the May budget impacted investors 👉🏿 the changes to SMSF lending 👉🏻 banks offering new lending policies like 40 year loan terms 👉 will the…
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636 what are the pillars of retirement?
In today’s episode Dev explains the World Bank's Pillars of Retirement, touching on: 👉🏾 why the framework was created 👉🏿 what are the 5 pillars 👉🏻 how does Australia compare? 👉 what we can take away from the framework for our own retirement planning Dev Raga Personal Finance is proudly...
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635 what is recursive self improvement?
In today’s episode Dev explains the concept of recursive self improvement and how it relates to the use of AI and your personal finances. He also touches on: 👉🏾 how people can partner with AI in their finances 👉🏿 the pros of this 👉🏻 the risks involved 👉Dev's take on using AI in personal...
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what's happening around the world right now?
In this bonus episode Dev discusses the bond market and why everyone is so panicked, and does it really matter. We will link how it's related to government debt, interest rates, stock markets, and yield rates. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.…
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634 Div 296 tax is now law!
In this episode Dev unpacks the tax law that is now in effect impacting individuals with higher superannuation earnings. He covers: 👉🏾 what is Div 296 and why was it created 👉🏿 how does the legislation differ from the initial 2023 proposal 👉🏻 how are indexation and unrealised capital gains...
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633 what is the Gini coefficient?
In this episode Dev unpacks how the Gini coefficient is used to measure economic inequality. He explains how it works plus: 👉🏾 income inequality vs wealth inequality 👉🏿 what is the Lorenz curve 👉🏻 what is Pigou-Dalton principle 👉 limitations of the Gini coefficient 👉🏼 where does…
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632 what is dividend investing?
In today’s episode Dev explains dividend investing, touching on: 👉🏾 the difference between a dividend vs distribution 👉🏿 what is dividend yield? 👉🏻 tax on dividends and how franking credits works 👉the pros and cons of dividend investing 👉🏼Dev's thoughts on dividend investing Dev Raga...
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631 why do you fly economy when you don't have to?
In this episode Dev is joined by Gagan Gupta, airline points strategist and Founder of Turn Left For Less (TLFL) which helps business owners and entrepreneurs convert their everyday business and personal spending into Business and First Class travel for less than the retail fare. Gagan touches…
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630 invest or pay off debt - what is the F2 rule?
Is it better to pay off your mortgage or invest the money instead? In today’s episode Dev explains: 👉🏾 invest or pay off debt? the mathematical solution 👉🏿 the F2 rule - feelings vs finance 👉🏻 behavioural finance 👉 the 6% rule 👉🏼 real life examples on decision making Dev Raga Personal...
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629 what is the homo economicus theory?
In this episode Dev unpacks: 👉🏾 what are the principles of homo economicus 👉 real life examples of homo economicus playing out in modern society 👉🏿 what is behavioural finance 👉🏻 what is neuroeconomics Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.…
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628 LICs vs ETFs
In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers: 👉🏾 what is an LIC vs what is an ETF? 👉🏿 what is NTA (net tangible assets) vs NAV (net asset value) 👉🏻 the pros and cons of each investment structure 👉 the similarities and differences...
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627 investing for kids
In this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on: 👉🏾 the role of parents and parenting 👉🏿 learning about tax for minors 👉🏻 investing using your offset account 👉 trust structures 👉🏼 investment bonds 👉🏽 and super...
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626 from the vault: money mistakes by doctors
In today’s episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making. Related episodes 🎧 117 what is automation? 409 money mistakes by doctors part 2 Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out...
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625 from the vault: what is debt recycling?
In this episode from season 4, Dev breaks down the concept of debt recycling, touching on: 👉🏾 debt 👉🏿 deductible vs non-deductible debt 👉🏻 debt recycling 👉 tax savings 👉🏼 advantages of debt recycling 👉🏽 disadvantages of debt recycling 👉🏾 final things to consider Dev Raga Personal...
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624 personal insurance: DNA, dollars and the 40% premium shock!
In this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack: 👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance 👉🏿 can insurers request your full medical history from your GP? 👉🏻 how does...
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623 investing for kids, choosing your accountant, family loans, retirement + more with Dr Ken
In this episode, Dev chats with return guest and retired GP, Dr Ken McMahon to get his thoughts on: 👉🏾 investing for kids 👉🏿 selecting an accountant & financial adviser 👉🏻 preparing for a retirement lifestyle 👉insurances and self-insuring 👉🏼 lending money to family 👉🏽and if BFAs are...
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622 economics of EVs: 350,000km in an EV - is it still worth it?
Dev is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers: 👉🏾 the cost savings of his first Model 3 👉🏿 the numbers on his second Model 3 👉🏻 does it make sense to buy an EV in 2026? 👉 comparing costs…
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621 the downsides to being wealthy
Having lots of money has it's advantages, but it can also come with added challenges. In today's episode Dev unpacks these, touching on: 👉🏾 trust and relationship issues 👉🏿 family issues 👉🏻 suspicion 👉 lack of privacy 👉🏼 rising stress 👉🏽 social isolation 👉🏾 judgement and pressure…
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620 index funds with Vince Scully from Life Sherpa Invest
In this episode Dev & Vince Scully, Portfolio Manager at Life Sherpa Invest dig into what most index fund podcasts don't tell you, that the index you pick matters just as much as the decision to invest in one. They touch on: 👉 the current interest rate environment 👉🏾 why index investing isn't...
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619 CGT, negative gearing changes & first home buyers with Rach Kroon (this is property)
Rachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoH The 2026 federal budget landed with major changes for property investors and first home buyers. Rachelle Kroon from Sphere Home Loans joins Dev to unpack what it all means, touching on: 👉🏾...
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618 there's more to life than money: global health, charity work & why giving back matters
What does a fulfilling medical career look like beyond the income? Dev sits down with Dr Jono, an emergency physician, point-of-care ultrasound specialist and co-founder of Tambe Global to explore why giving back might be one of the most valuable investments you make as a clinician. They touch…
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617 what is a Transition To Retirement income stream? (TTR)
In this episode Dev explains how people approaching retirement can access their super while still working. He touches on: 👉🏾 what is a transition to retirement pension is and how to make use of it 👉🏿 what is preservation age and how is calculated 👉🏻 when can you use a TTR? 👉 why was it...
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616 MLMs vs Pyramid Schemes
In today’s episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on: 👉🏾 what is MLM and how does it work 👉🏼 how much do most MLM participants actually make 👉🏿 what is a Pyramid Scheme and why are they illegal 👉🏻 real examples of legitimate…
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615 the business mechanics of GP practice ownership
In today's episode, Casey Going from Going Medical Group joins Dev to share about the ins and outs of buying and running his rural hometown GP practice. Casey touches on: 👉🏼 how the opportunity came up 👉🏽 operating a large practice 👉🏾 training & accreditation for registrars 👉🏿 key...
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614 what is a family office?
In this episode Dev explains the concept of a family office. He covers: 👉🏽 what is net worth and how is it calculated 👉🏾 what is an ultra-high net worth individual? 👉🏿 what is a family office and how does one work? 👉🏻 types of family offices: single, multi and virtual 👉 responsibilities…
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613 the 8-4-3 rule of compounding
In this episode Dev explains the basics of compounding and why it pays to invest as early as possible. He touches on: 👉🏾 what is compounding and compound interest vs simple interest 👉🏿 what is 8-4-3 rule? 👉 why waiting to invest is a risk 👉🏻 practical examples Dev Raga Personal Finance is...
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612 what is the super recontribution strategy
In this episode Dev explains how the super recontribution strategy works for those in retirement, touching on: 👉🏾 super contributions 👉🏿 what happens to your super after death and who gets taxed 👉🏻 taxed vs untaxed components in super 👉 how to prevent death taxes in super 👉🏽 who the...
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611 from Canada to Australia: a doctor’s career and money journey
In this episode we talk to Matt*, an Australian doctor who migrated from Canada about the similarities & differences of the Canadian vs Australian health care system. We discuss: 👉 training requirements 👉🏻 income 👉🏼 private vs public health care system 👉🏾 indemnity 👉🏿 transferring…
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610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire Right
In today's episode Dev is joined by retirement adviser Martin McGrath again to unpack: 👉🏾 a high net worth couple with assets inside & outside of super retirement case study 👉🏿 maxing out concessional contributions vs investing outside of super during accumulation 👉🏻 common retirement...
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609 super in retirement with Martin McGrath from Retire Right
In today's episode Dev is joined by retirement adviser and host of Retire Right, Martin McGrath to unpack how super works in retirement. He covers: 👉🏾 what is pension phase and how does it work? 👉🏿 when can you access your super 👉🏻 tax in super - money in accumulation vs pension phase 👉…
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608 what is gearing?
In this episode Dev explains the concept of gearing in personal finance. He covers: 👉🏾 the difference between gearing and leverage 👉🏿 how gearing plays into credit worthiness 👉🏻 debt to equity ratio and what it means 👉 worked examples of gearing Dev Raga Personal Finance is proudly…
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607 from broke to $800k per annum in 5 years
In this episode Dev interviews Hazel* about her life and career as an OBGYN specialist in Adelaide. They chat about: 👉🏾 OBGYN as a career 👉🏻 the training requirements 👉🏿 sub-specialties within OBGYN 👉 time spent on call 👉🏼 indemnity insurance and litigation risk 👉🏾 the costs of running…
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606 what is private equity?
In this episode Dev explains how private equity works, touching on: 👉🏾 what is a private equity firm 👉🏿 what is an accredited investor 👉🏻 private equity specialities 👉 how do you invest in private equity 👉🏼 how does it compare to investing in index funds 👉🏽 fees and transparency 👉🏾...
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605 what is the J curve?
In this episode Dev explains what a J curve is, touching on: 👉🏾 how does the J curve help venture capital and private equity investors 👉🏿 the stages of a J curve 👉🏻 what influences the J curve Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a…
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604 how does war & global conflict affect investment markets?
In this episode Dev discusses the various wars and conflicts across the decades and how they've affected the markets. He also unpacks why this is the case, plus the concepts justice of war vs justice in war. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need…
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603 TPD insurance is changing: what you need to know with Phil Thompson
In this episode, Dev is joined by returning guest Phil Thompson, CEO and insurance adviser from Skye Wealth to break down the changes to Total and Permanent Disability (TPD) insurance and why it matters. They talk about: 👉🏾 TPD vs trauma insurance 👉🏿 why some insurers are making changes to…
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602 mortgage check-ins, medical lending, building pitfalls, offset vs redraw + more
In this episode Dev is joined by returning guest Rachelle Kroon, founder of Sphere Home Loans for a mortgage and lending chat. They discuss: 👉 interest rates in 2026 👉🏾 why an annual mortgage review matters 👉🏿 common mortgage traps medical professionals fall into 👉🏽 why it's important to...
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601 this is what I do in January
In this episode we cover some of the basic things I do every January to kick start the calendar year. 👉🏾 review budgets 👉🏿 protect my downside risk 👉🏻 review debts, interest rates, terms and condition 👉 keep investing 👉🏼 review all insurances 👉🏽 practice giving 👉🏾 make goals for the...
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best of 2025: how to maximise pay day
In this episode Dev unpacks 8 essential habits and strategies to help you achieve financial stability and long-term success. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review…
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best of 2025: timeless principles of investing
Some investing strategies come and go, but the best ones stand the test of time. Dev shares 5 timeless investing principles to help you build lasting wealth. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out...
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551 the 10 lessons I've learned in 2025 - Merry Christmas and Happy New Year!
In this episode it's time to reflect on the 10 things I have learned in 2025, and its not always about finance. Have a good Christmas and New Year period. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out...
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550 are non concessional contributions worth it?
In this episode Dev unpacks: 👉🏾 what is a non concessional contribution 👉🏿 the bring forward rule 👉🏻 what happens if you breach the $120k cap 👉 pros and cons of making non concessional contributions 👉🏼 downsizer contributions 👉🏽 the Government co-contribution 👉🏾 what Dev does Dev…
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549 mental health in medicine: what doctors don’t talk about (with Dr Ava)
In this episode Dev sits down with psychiatrist Dr Ava for an honest, unfiltered look at mental health in the medical profession. They unpack why doctors and healthcare workers aren’t immune to burnout, depression or family violence, how stigma keeps people silent and the real financial fallout...
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548 unpacking the changes to div 296 with Vince Scully
In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax, touching on: 👉🏻 cap or no caps 👉 CPI indexed amounts or not 👉🏼 and what marginal tax rates people will pay for balances higher than $2M Dev Raga Personal Finance is proudly supported by Sphere Home...
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547 how to pick an ETF
There's so many ETFs on the market to choose from, how do you decide which one(s) to invest in? In this episode Dev shares a system based approach to selecting an ETF that's right for you. He covers: 👉🏾 ETFs vs managed funds 👉🏿 knowing your investor policy 👉🏻 what is your performance...
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546 what is an annuity?
In this episode Dev and Vince Scully from Life Sherpa unpack what an annuity is and how it can be used as a retirement income strategy. They talk about: 👉🏾 what is an annuity and how can you buy one ? 👉🏿 lifetime vs fixed annuities 👉🏽 returns 👉🏻 how does it affect the aged pension 👉 pros...
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545 budgeting types explained
In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through: 👉🏾 the 50/30/20 budget 👉🏿 cash stuffing / envelope system 👉🏻 zero based budget 👉 pay yourself first budget 👉🏼 the no budget budget 👉🏽 and Dev's personal budget strategy Dev Raga Personal Finance…
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ABOUT THIS SHOW
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.
Formerly named my millennial money professional
Hosted on Acast. See acast.com/privacy for more information.
HOSTED BY
Dev Raga
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How many episodes does Dev Raga Personal Finance have?
Dev Raga Personal Finance currently has 397 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Dev Raga Personal Finance about?
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday. Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.
How often does Dev Raga Personal Finance release new episodes?
Dev Raga Personal Finance publishes regularly with 397 episodes available. Check the episode list for the typical release schedule.
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You can listen to Dev Raga Personal Finance on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Dev Raga Personal Finance?
Dev Raga Personal Finance is created and hosted by Dev Raga.
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