All Episodes
Dev Raga Personal Finance — 374 episodes
618 there's more to life than money: global health, charity work & why giving back matters
617 what is a Transition To Retirement income stream? (TTR)
616 MLMs vs Pyramid Schemes
615 the business mechanics of GP practice ownership
614 what is a family office?
613 the 8-4-3 rule of compounding
612 what is the super recontribution strategy
611 from Canada to Australia: a doctor’s career and money journey
610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire Right
609 super in retirement with Martin McGrath from Retire Right
608 what is gearing?
607 from broke to $800k per annum in 5 years
606 what is private equity?
605 what is the J curve?
604 how does war & global conflict affect investment markets?
603 TPD insurance is changing: what you need to know with Phil Thompson
602 mortgage check-ins, medical lending, building pitfalls, offset vs redraw + more
601 this is what I do in January
best of 2025: how to maximise pay day
best of 2025: timeless principles of investing
551 the 10 lessons I've learned in 2025 - Merry Christmas and Happy New Year!
550 are non concessional contributions worth it?
549 mental health in medicine: what doctors don’t talk about (with Dr Ava)
548 unpacking the changes to div 296 with Vince Scully
547 how to pick an ETF
546 what is an annuity?
545 budgeting types explained
544 is rural medicine worth it? community, burnout & money (part 2)
543 is rural medicine worth it? the journey, training & pros/cons (part 1)
542 the habits of the quiet wealthy
541 Telecare: starting, scaling and selling a health tech company (with Dr Chris Sia)
540 what is private credit?
539 Kabhir’s IMG journey: settling in, GP life, buying a home + money tips (part 2)
538 Kabhir’s IMG journey: medical training in Pakistan & starting out in Australia (part 1)
537 what is lifestyle creep and how to manage it
536 JL Collins on market crashes, asset allocation & legacy wealth (part 2)
535 JL Collins on debt, housing myths & why simplicity wins (part 1)
534 what is depreciation?
533 concessional contributions are maxed, div 296 tax + how much do I need to retire with Vince Scully (part 2)
532 invest vs pay mortgage, borrowing for cars, pay off or leave HELP debt + more with Vince Scully (part 1)
531 what is capital gains tax?
530 what is opportunity cost?
529 the 5 fundamental rules every smart investor follows
528 Stockholm syndrome in investing
527 lessons from 50 years of investing (with a retired GP!)
526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more
525 what is strategic asset allocation (SAA)?
524 superannuation changes coming July 2025
523 tax tips to maximise EOFY savings
522 Stockspot super deep dive (with CEO Chris Brycki)
521 risk, return and volatility
520 what is the div 296 tax?
519 what is a listed investment company (LIC)?
518 investment bonds (with Generation Life CEO, Felipe Araujo)
517 why this American doctor left it all behind for Australia: Dr Carmen's story
516 types of debt & what is debt recycling
515 what is a doom loop?
514 dentistry, insights into practice ownership & building wealth: Vanessa’s story
513 will the 4% rule actually work for your retirement?
512 lessons from a junior doctor: saving, investing & buying a home
511 timeless principles of investing
510 from divorce to financial freedom: Sarah’s story
509 the two income trap: why earning more isn’t always better
508 the psychology of retirement (with Prof. Joanne Earl)
507 the paradox of thrift
506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)
505 is FIRE even possible with a family? I talk with Cam & Trish
504 trade wars and taxes: making sense of tariffs
503 demystifying dividends: how they work and why they matter
502 how to maximise pay day
501 becoming a multimillionaire: the habits that build wealth
best of 2024: achieving F.I.R.E at a young age (an interview with Dave Gow of Strong Money Australia)
best of 2024: the experience of owning a Tesla ( an interview with an EV youtuber)
448 how arbitrage works?
447 understanding SMSFs: how they work, the costs, risks, challenges + more
446 what is Benner's cycle?
445 invest smarter with automation, low fees, and the power of a financial community
444 money, leadership + medical exam tips with a hospital executive director
443 the quick start guide to investing with Glen James!
442 superannuation part 2 - retirement phase
441 superannuation part 1: accumulation phase
440 sequence of returns risk & how it affects your retirement
439 retirement living options, preparing for aged care + preparing financially
438 what is Stockspot and how can it automate your investing?
437 retirement withdrawal strategy and the Guyton Klinger principle
436 GP balancing act: patients, procedures and money
435 what it takes to be a surgeon + navigating money
434 dollar cost averaging 101
433 the side hustling GP + transitioning as an international medical graduate in WA
432 using AI in the medical industry
431 binding financial agreements (a deep dive with a family lawyer + mediator part 2)
430 divorce; kids and separation (deep dive with family lawyer + mediator)
429 achieving F.I.R.E. at a young age (an interview with Dave Gow of Strong Money Australia)
428 economics of EVs: Tesla M3 265,000km - the end!
427 Vanguard Super deep dive
426 full-time locuming, choosing a subspecialty, side hustling + more (a chat with Dr Chris)
425 passive income as a doctor, reaching financial literacy, locuming + more (a chat with Dr Dan)
424 what are REITs
423 the experience of owning a Telsa (interview with an EV YouTuber)
422 money & investing as a doctor in the US
421 drawing down on your portfolio in retirement (Q&A with Vince Scully) part 2
420 what a financial adviser does and the cost + tools for portfolio building (Q&A with Vince Scully) part 1
419 buyer’s agent Q&A: residential & commercial property with John Pidgeon from this is property
418 what is a 360 review?
417 how does an airline vlogger make money and invest?
416 fixed vs variable, redraw vs offset, commercial loans, preparing to meet a broker + more (Q&A with a mortgage broker)
415 Q&A: overtime, burn out, property v shares, productive assets and more
414 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 2
413 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 1
412 will and estate planning (Q&A with a lawyer) part 2
411 will and estate planning (Q&A with a lawyer) part 1
410 an interview with AG (alternative investments, day trading + more)
409 money mistakes by doctors - part 2
408 money mistakes by doctors - part 1
407 buying commercial property
406 what is a share buy back?
405 what is debt recycling?
404 an interview with Dr VJ (Renal Fellow)
403 redundancy insurance, sole traders & tax, income protection inside vs outside super + more
402 an interview with Balaji Gopal from Vanguard Australia
401 what is downside risk?
top episode: money in your 40s & 50s
top episode: money in your 30s
top episode: money in your 20s
351 what is rightsizing?
350 what is downsizing in business?
349 an interview with RACGP President Dr Nicole Higgins (cost of health care, workforce challenges + more)
348 income per unit time vs income per unit effort
347 credit ratings and agencies
346 bond basics
345 an interview with Dr Tony Chen part 2 (travel philosophy, tips & hacks)
344 an interview with Dr Tony Chen part 1 (radiology, childhood, why he doesn't invest in super + more)
343 what is the Dunning-Kruger effect?
342 teaching kids about money, defined benefit scheme & what is income protection
341 is debt consolidation a good idea?
340 what is the three bucket strategy?
339 ten rules for investors
338 the impact of investment fees
337 saving vs investing
336b an interview with Dr Dean part 2
336 an interview with Dr Dean part 1
335 salary packaging & HECS, rising health care costs, elective egg freezing + more
334 investment bonds, investing via a trust, tips for graduates + more
333 an interview with Owen Rask part 2 (value investing, index fund bubble + more)
332 an interview with Owen Rask part 1
331 an interview with Kate Campbell
330 game theory and investments
329 money wins: an interview with Dr Ted
328 an interview with Captain FI part 2
327 an interview with Captain FI part 1
326 what is accumulative advantage?
325 how to choose an index fund
324 EVs: 200,000km Tesla Model 3 update
323 getting into medical school part 2
322 getting into medical school part 1
321 what is intrinsic value?
320 an interview with Ben from Forever Vacation
319 home and contents insurance
318 side hustle ideas, money tips for junior professionals, retirement super balance + more
317 what is an inverted yield curve?
316 money wins: an interview with Luke
315 retirement money mistakes
314 what is a commodity?
313 what is the pareto principle?
312 fundamental vs technical analysis of shares
311 financial lessons from athletes
310 the stages of retirement
309 private health insurance
308 accrued leave vs overtime, charging what you’re worth, hedging, LICs + more
307 money wins: an interview with Dr Nick
306 what is the bullwhip effect?
305 types of economic recoveries
304 buying a home or investment property
303 can money buy happiness?
302 recessions, depressions, causes, protections
301 calculating returns
255b an interview with Ryan about locuming pt 2 (rates, locum overseas, non doctor locuming + more)
255 an interview with Ryan about locuming pt 1 (working with agencies, onboarding, travel allowance + more)
254 money wins: an interview with Maz
253 locum work, transferring property to family, my portfolio has lost money, salary packaging + more
252 DCA vs lump sum investing, careers outside of clinical work, ATO payment plans + more
251 car insurance tips
250 an interview with Aussie Firebug part 2
249 an interview with Aussie Firebug part 1
248 what is stagflation?
247 money wins: an interview with Harry
246 money in your 60s and beyond
245 money in your 40s and 50s
244 money in yours 30s
243 money in yours 20s
242 an interview with Dr Tyron March
241 what is an annuity
240 what is hedging?
239 what is due diligence?
238 divorce vs separation, property settlement, parenting arrangements
237 what are reverse mortgages?
236 Q&A: wealth building strategies, money in super or offset, tax deductions + more
235 Q&A: working rurally, property vs shares, BAS, GST & sole trader income
234 an interview with JL Collins
233 superannuation part 3
232 superannuation part 2
231 superannuation part 1
230 what are biases & how do they affect your investing?
229 how to pick a stock broker
228 what is modern portfolio theory?
227 tax time Q&A with an accountant
226 singles and money
225 EVs: 150,000km Tesla Model 3 update
224 what is net asset value (nav) + using a non-bank lender
223 burnout, self care + defence housing
222 stock market myths + wrap accounts
221 couples and money
220 practice ownership: things to consider!
219 Q&A: risk profiles, borrowing to invest, life insurance, parental leave, planning for kids + more
218 budgeting strategies
217 macro-economic vs micro-economic factors
216 active vs passive income
215 Q&A: investment property costs, burnout, ethics + more
214 what is the bid-ask spread?
213 debt repayment strategies
212 investing truths
211 property covenants, zonings, overlays
210 what is a margin of safety?
209 what is a financial bubble?
208 what is a prenuptial or binding financial agreement?
207 invest or pay off debt
206 what is tax efficiency part 3
205 what is tax efficiency part 2
204 what is tax efficiency part 1
203 what is diworsification?
202 bond yields, inflation + interest rates
201 pay yourself first
welcome to my millennial money medical
136 important announcement!
135 gambling vs speculation!
134 what are CP funds? What is a buyers agent?
133: is inflation a problem?
132 what is the rule of 72?
bonus: Evergrande crisis explained!
131 shares vs property!
130 what is asset protection?
129 Q&A session!
128 other options to bankruptcy?
127 what is bankruptcy?
126 what is asset liability matching?
125 what is de-accumulation phase?
124 growth vs value investing
123 EVs: 100,000km Tesla Model 3 update
122 what is Kelly criterion? Late starters?
121 what is pet insurance?
120 what is div 293? The sneaky tax!
119 getting a pet, the cost breakdown!
118 what is DSSP?
117 what is automation?
116 savings rate vs investment returns!
115: what are stock buy backs?
114 investing for kids!
113 types of fraud part 2/2?
112 types of fraud part 1/2!
111 what are rent to own home schemes?
110 what is rentvesting?
109 currency trading part 2/2
108 currency trading part 1/2
107 investment property deductions!
106 Gamestop, my thoughts!
Q&A: 10 common questions!
105 what is salary packaging?
104 how are indexes weighted?
bonus: money lessons from 2020!
103 points, percentages, basis points!
102 what is a dividend reinvestment plan (DRP)?
101 what are market cycles?
100 back to basics! My story!
099 little known deductions!
098 what are self education expenses, tools/equipment?
097 what are home office deductions (Covid 19 period inclusive)?
bonus: markets and presidential elections
096 work related clothing expenses
095 what are vehicle related expenses?
094 income and deductions!
093 EV cost analysis: 12 months of driving a Tesla
092 angel investing vs venture capital
091 investing in bull and bear markets!
090 having a written financial plan
bonus: Dr David Keir (Dental Head Start) interview with Dev Raga (3.8.2020)
089 prospect theory and disposition effect?
088 what is utility theory?
087 what are investment bonds?
086 what is Bitcoin?
085 what is blockchain?
084 what is liquidity?
083 what is an IPO?
082 aim for $1.6million in retirement!
081 is this a bull trap?
080 asset allocation strategies and rebalancing
079 the pitfalls of passive investing!
078 what is price to book ratio (P/B)?
077 what is price to earnings ratio (P/E)?
076 what are corporate actions?
075 what is financial risk?
074 what is SRI and ethical investing?
073 how to measure your financial security?
072 what is short selling?
071 what is quantitative easing? Tesla update!
070 recessions and depressions!
069 what are annuities?
068 markets and pandemics!
067 what is behavioural finance?
066 income protection changes may come!!
065 dividends vs distributions
064 what is capital gains and losses?
063 fees, fees, fees part 2!
062 what is PSI?
061 what is a trust?
060 choosing a real estate agent
059 is private health insurance worth it?
058 the economics of electric cars!
057 what is a credit report and a credit score?
056 what are derivatives (financial)?
055 there is a recession coming!
054 is gold a good investment?
053 what are bonds? Are they good?
052 cash flow, profit, line of credit!
051 what is an SMSF? Worth it?
050 the importance of asset allocation
049 leverage vs margin!
048 risk vs volatility!
047 it's been 1 year already!!!
046 what is a financial alpha? Are financial advisers worth it?
045 what are REITs?
044 happy new financial year!
043 40 year mortgages!! What is loss aversion?
042 what is land to asset ratio? Is it important?
041 factor investing, it's all the rage!
040 what is the 28/36 rule?
039 what is a robo-advisory service?
038 what is an economic moat?
037 what is the 4% withdrawal rule?
036 listed investment companies (LICS)
035 travel and finance
034 revisit wills, investment properties
033 index funds vs ETFs: which is better?
032 what is lifestyle creep?
031 what is dividend investing?
030 what is debt consolidation? Is it dangerous?
029 buying a car? Some basic things to consider!
028 what is sequence of returns risk?
027 what is inflation and why is it important?
026 what is arbitrage?
025 behavioural finance, buy v rent, Royal Commission findings
024 emergency funds, good debt v bad debt
023 kids and money!
022 successful habits and no spend challenges
021 what is FIRE? What is debt recycling?
020 what are franked dividends?
019 how to invest during volatile times
018 what is opportunity cost?
017 property market doom and gloom!
016 dollar cost what?
015 common investing mistakes
014 do you have a will?
013 superannuation tips and tricks!!
012 invest or pay off debt?
011 buy a home with your head, not your heart!
010 retiring wealthy? But how?
009 active vs passive investing
008 budgeting strategies explained
007 debt paying strategies
006 fees, fees, fees!!
005 protect yourself: let's talk personal insurance
004 I've paid myself 20%, then what?
003 who I listen to
002 mortgage tips and tricks
001 power of automatic savings and compounding