Dev Raga Personal Finance

551 the 10 lessons I've learned in 2025 - Merry Christmas and Happy New Year!

23 Dec 2025

Contributed by Lukas

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 per...

550 are non concessional contributions worth it?

16 Dec 2025

Contributed by Lukas

In this episode Dev unpacks:👉🏾 what is a non concessional contribution👉🏿 the bring forward rule👉🏻 what happens if you breach the $12...

549 mental health in medicine: what doctors don’t talk about (with Dr Ava)

09 Dec 2025

Contributed by Lukas

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 doct...

548 unpacking the changes to div 296 with Vince Scully

02 Dec 2025

Contributed by Lukas

In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax.Dev Raga Personal Finance is proudly supported by Sphere H...

547 how to pick an ETF

25 Nov 2025

Contributed by Lukas

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 ...

546 what is an annuity?

18 Nov 2025

Contributed by Lukas

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 abou...

545 budgeting types explained

11 Nov 2025

Contributed by Lukas

In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through:👉🏾 the 50/30/20 budget 👉🏿 cash stuffing ...

544 is rural medicine worth it? community, burnout & money (part 2)

04 Nov 2025

Contributed by Lukas

Continuing on from last week's episode, Dev and Dr James* go deeper discussing boundaries in small communities, navigating burnout, and how rural doct...

543 is rural medicine worth it? the journey, training & pros/cons (part 1)

28 Oct 2025

Contributed by Lukas

In today's episode Dev chats with rural GP Dr James* about why he chose to build his career outside the city. They explore the training pathway, the r...

542 the habits of the quiet wealthy

21 Oct 2025

Contributed by Lukas

In today’s episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He covers:👉🏾...

541 Telecare: starting, scaling and selling a health tech company (with Dr Chris Sia)

14 Oct 2025

Contributed by Lukas

In this episode, Dev chats with Dr Chris Sia about the journey of building Telecare - its early days, scaling operations, selling the business, and wh...

540 what is private credit?

07 Oct 2025

Contributed by Lukas

In today's episode Dev unpacks private lending, touching on:👉🏾 what it is and how it works👉🏿 how big is the market?👉🏻 reasons why so...

539 Kabhir’s IMG journey: settling in, GP life, buying a home + money tips (part 2)

30 Sep 2025

Contributed by Lukas

In the second half of this conversation, Kabhir* shares how he’s building a life and career in Australia as an international medical graduate (IMG),...

538 Kabhir’s IMG journey: medical training in Pakistan & starting out in Australia (part 1)

23 Sep 2025

Contributed by Lukas

In this first half of a two-part chat, Dev speaks with Kabhir* a doctor who migrated from Pakistan to Australia as an international medical graduate (...

537 what is lifestyle creep and how to manage it

16 Sep 2025

Contributed by Lukas

Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to keep it under...

536 JL Collins on market crashes, asset allocation & legacy wealth (part 2)

09 Sep 2025

Contributed by Lukas

In part 2 of this special 2-part series, Dev continues the conversation with JL Collins - author of The Simple Path to Wealth - digging into the minds...

535 JL Collins on debt, housing myths & why simplicity wins (part 1)

02 Sep 2025

Contributed by Lukas

In this first half of a 2-part conversation, Dev sits down with JL Collins the author of The Simple Path to Wealth to explore his updated edition and ...

534 what is depreciation?

26 Aug 2025

Contributed by Lukas

In today's episode, Dev explains what depreciation is, how it works and how it can save you on tax, particularly if you own a property or run a busine...

533 concessional contributions are maxed, div 296 tax + how much do I need to retire with Vince Scully (part 2)

19 Aug 2025

Contributed by Lukas

Today's episode is the second half of Dev's chat with Vince Scully from Life Sherpa (listen to last week's episode for part 1!), where Dev and Vince d...

532 invest vs pay mortgage, borrowing for cars, pay off or leave HELP debt + more with Vince Scully (part 1)

12 Aug 2025

Contributed by Lukas

In this 2 part chat, Dev is joined by Vince Scully from Life Sherpa to unpack your questions. In part 1 they touch on:👉🏿 pay off mortgage vs inv...

531 what is capital gains tax?

05 Aug 2025

Contributed by Lukas

Capital gains tax aka CGT - let's talk about it! Dev unpacks:👉🏿 what is a capital gain + short vs long term gain👉🏻 what is capital gains t...

530 what is opportunity cost?

29 Jul 2025

Contributed by Lukas

In this episode Dev explains the concept of opportunity cost, touching on:👉🏾 what it is and how it differs from sunk cost👉🏿 a formula for ...

529 the 5 fundamental rules every smart investor follows

15 Jul 2025

Contributed by Lukas

There’s no shortage of investing advice out there, but some principles stand the test of time. In this episode, Dev breaks down 5 essential rules th...

528 Stockholm syndrome in investing

08 Jul 2025

Contributed by Lukas

Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks:👉🏾 what exactly happened in 1973👉🏿 how the term St...

527 lessons from 50 years of investing (with a retired GP!)

01 Jul 2025

Contributed by Lukas

In this episode we pick the brain of Dr Ken who is a retired GP and part of the original FI movement. He has been a clinician and a patient investor o...

526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more

24 Jun 2025

Contributed by Lukas

Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into:👉...

525 what is strategic asset allocation (SAA)?

17 Jun 2025

Contributed by Lukas

In today's episode Dev explains the concept of strategic asset allocation and touches on:👉🏾 what it is👉🏿 the 4 main asset classes👉🏻 ...

524 superannuation changes coming July 2025

10 Jun 2025

Contributed by Lukas

In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers:👉🏾 carry forward contributions👉...

523 tax tips to maximise EOFY savings

03 Jun 2025

Contributed by Lukas

In this episode Dev covers some basic last minute tax tips for individuals and businesses before financial year 2025 comes to a close! He touches on:👉...

522 Stockspot super deep dive (with CEO Chris Brycki)

27 May 2025

Contributed by Lukas

In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They unpack how i...

521 risk, return and volatility

20 May 2025

Contributed by Lukas

In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers:👉🏿 how to figure out your personal risk tole...

520 what is the div 296 tax?

13 May 2025

Contributed by Lukas

Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation ...

519 what is a listed investment company (LIC)?

06 May 2025

Contributed by Lukas

In today's episode Dev explains what a listed investment company is and how it works. He covers:👉🏾 the investment options👉🏿 management and...

518 investment bonds (with Generation Life CEO, Felipe Araujo)

29 Apr 2025

Contributed by Lukas

In today's episode, Dev sits down with Felipe Araujo, CEO of Generation Life, to unpack everything you need to know about investment bonds. They ...

517 why this American doctor left it all behind for Australia: Dr Carmen's story

22 Apr 2025

Contributed by Lukas

In this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start...

516 types of debt & what is debt recycling

15 Apr 2025

Contributed by Lukas

Let's talk about debt! Dev covers:👉🏿 what is debt?👉🏻 deductible vs non deductible debt👉 what is debt recycling👉🏼 the pros and con...

515 what is a doom loop?

08 Apr 2025

Contributed by Lukas

In today's episode Dev unpacks the concept of a doom loop, touching on:👉🏿 what it is and how it works👉🏻 what is a flywheel effect?👉 the...

514 dentistry, insights into practice ownership & building wealth: Vanessa’s story

01 Apr 2025

Contributed by Lukas

In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting ...

513 will the 4% rule actually work for your retirement?

25 Mar 2025

Contributed by Lukas

The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it...

512 lessons from a junior doctor: saving, investing & buying a home

18 Mar 2025

Contributed by Lukas

Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journe...

511 timeless principles of investing

11 Mar 2025

Contributed by Lukas

Some investing strategies come and go, but the best ones stand the test of time. In today's episode Dev shares 5 timeless investing principles to help...

510 from divorce to financial freedom: Sarah’s story

04 Mar 2025

Contributed by Lukas

Today's episode is a special one as Dev sits down with Sarah*, a GP who shares her deeply personal and inspiring journey with money. Sarah shares how ...

509 the two income trap: why earning more isn’t always better

25 Feb 2025

Contributed by Lukas

More income, more security...right? Not always. In this episode, Dev unpacks the "two-income trap," a concept made famous by Elizabeth Warren, and why...

508 the psychology of retirement (with Prof. Joanne Earl)

18 Feb 2025

Contributed by Lukas

One of the questions that commonly gets asked from doctors and other professionals is how to plan for retirement, as many struggle to settle into reti...

507 the paradox of thrift

11 Feb 2025

Contributed by Lukas

In today's episode, Dev explains the concept called "paradox of thrift". He touches on:👉🏾 what it is👉🏿 real world examples such as a reces...

506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)

04 Feb 2025

Contributed by Lukas

In today's chat, wills and estates lawyer Marlee Viero from Nest Legal returns to chat with Dev about wills, estate planning, and how to protect your ...

505 is FIRE even possible with a family? I talk with Cam & Trish

28 Jan 2025

Contributed by Lukas

In today's episode Dev chats with Cam and Trish from Family on Fire, a family proving that FIRE (Financial Independence, Retire Early) isn’t just fo...

504 trade wars and taxes: making sense of tariffs

21 Jan 2025

Contributed by Lukas

In light of America's political climate, let's talk about what tariffs are and why they matter. Dev covers:👉🏻 how they work👉 why tariffs are ...

503 demystifying dividends: how they work and why they matter

14 Jan 2025

Contributed by Lukas

In today’s episode Dev explains dividends, touching on:👉🏾 what are dividends?👉🏿 cash vs shares👉🏻 dividends vs distribution👉 who...

502 how to maximise pay day

07 Jan 2025

Contributed by Lukas

In today’s episode Dev unpacks the essential financial habits and strategies to help you achieve financial stability and long-term success. He touch...

501 becoming a multimillionaire: the habits that build wealth

31 Dec 2024

Contributed by Lukas

In today’s episode, Dev unpacks key habits that help to build wealth. He covers:👉🏿 protecting your downside risk👉🏻 avoiding unnecessary ...

best of 2024: achieving F.I.R.E at a young age (an interview with Dave Gow of Strong Money Australia)

24 Dec 2024

Contributed by Lukas

While we’re on a break, here’s a fan-favourite episode to keep you companyIn today’s episode Dev interviews Dave Gow of Strong Money Australia, ...

best of 2024: the experience of owning a Tesla ( an interview with an EV youtuber)

17 Dec 2024

Contributed by Lukas

While we’re on a break, here’s a fan-favourite episode to keep you company. We’re bringing back this gem from earlier in the year – enjoy.Dev ...

448 how arbitrage works?

10 Dec 2024

Contributed by Lukas

In today’s episode Dev explains arbitrage, touching on:👉🏾 what is arbitrage?👉🏿 what is an efficient market hypothesis?👉🏻 what is a...

447 understanding SMSFs: how they work, the costs, risks, challenges + more

03 Dec 2024

Contributed by Lukas

In today’s episode Dev interviews Alex Luck of Everest Wealth, touching on:👉🏾 what is an SMSF?👉🏿 what can I do with SMSF that I can't do...

446 what is Benner's cycle?

26 Nov 2024

Contributed by Lukas

In today’s episode Dev explains Benner's Cycle touching on:👉🏾 what is Benner's cycle?👉🏿 what is a market cycle?👉🏻 stages of a mark...

445 invest smarter with automation, low fees, and the power of a financial community

19 Nov 2024

Contributed by Lukas

In today’s episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on:👉🏾 how long has Pearler been around?👉🏿 what invest...

444 money, leadership + medical exam tips with a hospital executive director

12 Nov 2024

Contributed by Lukas

In today’s episode Dev interviews Dr. George Eskander, touching on:👉🏾 what does an executive do?👉🏿 his journey and training into his rol...

443 the quick start guide to investing with Glen James!

05 Nov 2024

Contributed by Lukas

In today’s episode Dev interviews Glen James, touching on:👉🏾 why write a book?👉🏿 how does your book differ from other investing books? 👉...

442 superannuation part 2 - retirement phase

29 Oct 2024

Contributed by Lukas

In today’s episode Dev interviews Scott Taylor, touching on:👉🏾 what is preservation age?👉🏿 what are my options when I retire?👉🏻 ca...

441 superannuation part 1: accumulation phase

22 Oct 2024

Contributed by Lukas

In today’s episode Dev interviews Scott Taylor, touching on:👉🏾 why does super exist?👉🏿 what are the type of contributions and their res...

440 sequence of returns risk & how it affects your retirement

15 Oct 2024

Contributed by Lukas

In today’s episode Dev explains sequence of returns risk, touching on:👉🏾 what is sequence of returns risk?👉🏿 wealth accumulation vs reti...

439 retirement living options, preparing for aged care + preparing financially

08 Oct 2024

Contributed by Lukas

In today’s episode Dev interviews Louise Biti of Aged Care Steps, touching on:👉🏾 retirement living options 👉🏿 pros and cons of each type...

438 what is Stockspot and how can it automate your investing?

01 Oct 2024

Contributed by Lukas

In today’s episode Dev interviews Sarah King from Stockspot, touching on:👉🏾 what is Stockspot?👉🏿 summary of service👉🏻 account type...

437 retirement withdrawal strategy and the Guyton Klinger principle

24 Sep 2024

Contributed by Lukas

In today’s episode Dev explains retirement withdrawal strategy, touching on:👉🏾 what is a constant withdrawal strategy?👉🏿 what is a const...

436 GP balancing act: patients, procedures and money

17 Sep 2024

Contributed by Lukas

In today’s episode Dev interviews Dr, Moz, touching on:👉🏾 his journey in medicine👉🏿 what is your subspecialty/niche?👉🏻 do you thin...

435 what it takes to be a surgeon + navigating money

10 Sep 2024

Contributed by Lukas

In today’s episode, Dev interviews Dr. Andrew, touching on:👉🏾 training and specialties👉🏿 a day in the life of a surgeon👉🏻 Royal Au...

434 dollar cost averaging 101

03 Sep 2024

Contributed by Lukas

In today’s episode Dev explains dollar cost averaging, touching on:👉🏾 what is dollar cost averaging?👉🏿 why it may be a good strategy?👉...

433 the side hustling GP + transitioning as an international medical graduate in WA

27 Aug 2024

Contributed by Lukas

In today’s episode Dev interviews Michael Poplawski, touching on:👉🏾 who is Dr. Mike?👉🏿 what does he do?👉🏻 what are his side hustle...

432 using AI in the medical industry

20 Aug 2024

Contributed by Lukas

In today’s episode Dev interviews, I-Scribe co-founder, Sudesh, touching on:👉🏾 where is AI (artificial intelligence) going?👉🏿 the role o...

431 binding financial agreements (a deep dive with a family lawyer + mediator part 2)

13 Aug 2024

Contributed by Lukas

In today’s episode Dev interviews Joe Buckley, touching on:👉🏾 what is BFA?👉🏿 can it override family law acts?👉🏻 what makes BFA val...

430 divorce; kids and separation (deep dive with family lawyer + mediator)

06 Aug 2024

Contributed by Lukas

In today’s episode Dev interviews Joe; touching on:👉🏾 how do you become a family law specialist?👉🏿 what is divorce?👉🏻 what is prop...

429 achieving F.I.R.E. at a young age (an interview with Dave Gow of Strong Money Australia)

30 Jul 2024

Contributed by Lukas

In today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on:👉🏾 savings rate?👉🏿 property vs shares👉🏻 financia...

428 economics of EVs: Tesla M3 265,000km - the end!

23 Jul 2024

Contributed by Lukas

Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode we focus on t...

427 Vanguard Super deep dive

16 Jul 2024

Contributed by Lukas

In today’s episode Dev interviews Renee from Vanguard, touching on:👉🏾 about VG Super👉🏿 the fees👉🏻 is it different to Super structu...

426 full-time locuming, choosing a subspecialty, side hustling + more (a chat with Dr Chris)

09 Jul 2024

Contributed by Lukas

In today’s episode, Dev interviews Dr. Chris, touching on:👉🏾 what is his savings rate?👉🏿 getting the perspective of a doctor for locumin...

425 passive income as a doctor, reaching financial literacy, locuming + more (a chat with Dr Dan)

02 Jul 2024

Contributed by Lukas

In today’s episode Dev interviews Dr. Dan, touching on:👉🏾 what is his savings rate?👉🏿 what is his locum/side hustle?👉🏻 his story o...

424 what are REITs

25 Jun 2024

Contributed by Lukas

In today’s episode Dev explains REITs, touching on:👉🏾 what is a trust?👉🏿 what is a REIT?👉🏻 various types of REITs👉 things to co...

423 the experience of owning a Telsa (interview with an EV YouTuber)

18 Jun 2024

Contributed by Lukas

In today’s episode Dev interviews Tom of Ludicrous Feed, touching on:👉🏾 why did he buy an EV?👉🏿 batteries and charging👉🏻 the drivi...

422 money & investing as a doctor in the US

11 Jun 2024

Contributed by Lukas

In today’s episode Dev interviews Dr. Jim Dahle of the White Coat Investor, touching on:👉🏾 American health system👉🏿 student loans👉🏻...

421 drawing down on your portfolio in retirement (Q&A with Vince Scully) part 2

04 Jun 2024

Contributed by Lukas

In today’s episode Dev interviews Vince Scully, touching on:👉🏾 questions about portfolio drawdown?👉🏿 preparing for retirement👉🏻 we...

420 what a financial adviser does and the cost + tools for portfolio building (Q&A with Vince Scully) part 1

28 May 2024

Contributed by Lukas

In today’s episode Dev interviews Vince Scully, touching on:👉🏾 what is Life Sherpa👉🏿 why is financial advice expensive in Australia?👉...

419 buyer’s agent Q&A: residential & commercial property with John Pidgeon from this is property

21 May 2024

Contributed by Lukas

In today’s episode Dev interviews John Pidgeon of this is property, touching on:👉🏾 what is a buyer's agent and what do they do?👉🏿 how do...

418 what is a 360 review?

14 May 2024

Contributed by Lukas

In today’s episode Dev explains the concept of a 360 review, touching on:👉🏾 how does a 360 review work?👉🏿 goals of review👉🏻 what i...

417 how does an airline vlogger make money and invest?

07 May 2024

Contributed by Lukas

In today’s episode Dev interviews Youtube's most watched flight reviewer, Josh Cahill, touching on:👉🏾 paid reviews👉🏿 controversies👉🏻...

416 fixed vs variable, redraw vs offset, commercial loans, preparing to meet a broker + more (Q&A with a mortgage broker)

30 Apr 2024

Contributed by Lukas

In today’s episode Dev interviews Rachelle Kroon, a mortgage broker, touching on:👉🏾 qualifications of a mortgage broker👉🏿 how to prepare...

415 Q&A: overtime, burn out, property v shares, productive assets and more

23 Apr 2024

Contributed by Lukas

 In today’s episode Dev answers some of your questions, touching on:👉🏾 overtime and sustainability?👉🏿 ways to pay back credit cards...

414 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 2

16 Apr 2024

Contributed by Lukas

In today’s episode Dev continues his interview with Phil Thompson - an insurance expert, going in-depth on:👉🏽 income protection and life insur...

413 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 1

09 Apr 2024

Contributed by Lukas

 In today’s episode Dev interviews Phil Thompson - an insurance expert, touching on:👉🏾 the basics of insurance👉🏿 difference of a fi...

412 will and estate planning (Q&A with a lawyer) part 2

02 Apr 2024

Contributed by Lukas

In today’s episode, Dev continues his interview with special guest Marlee Viero who is a wills lawyer from Nest Legal. In the 2nd part of this chat ...

411 will and estate planning (Q&A with a lawyer) part 1

26 Mar 2024

Contributed by Lukas

In today’s episode Dev interviews special guest Marlee Viero who is a lawyer specialising in wills and estate planning. They chat about:👉🏾 wha...

410 an interview with AG (alternative investments, day trading + more)

19 Mar 2024

Contributed by Lukas

In today’s episode Dev interviews special guest AG who day trades, touching on AG's experience with crypto and his personal investing philosophy. Th...

409 money mistakes by doctors - part 2

12 Mar 2024

Contributed by Lukas

In today’s episode Dev explains money mistakes doctors make, touching on:👉🏾 not prioritizing relationships,👉🏿 not doing a will and estat...

408 money mistakes by doctors - part 1

05 Mar 2024

Contributed by Lukas

In today’s episode Dev explains money mistakes doctors make, touching on:👉🏾 not having a budget or financial plans👉🏿 debt👉🏻 lifest...

407 buying commercial property

27 Feb 2024

Contributed by Lukas

In today’s episode Dev explains buying commercial property, touching on:👉🏿 types of commercial property👉🏻 things to look for when buying...

406 what is a share buy back?

20 Feb 2024

Contributed by Lukas

 In today’s episode Dev explains the concept of a share buy back, touching on:👉🏿 shares outstanding👉🏻 why a company buys their own ...

405 what is debt recycling?

13 Feb 2024

Contributed by Lukas

In today’s episode Dev explains debt recycling, touching on:👉🏾 debt👉🏿 deductible vs non-deductible debt👉🏻 debt recycling👉 tax s...

404 an interview with Dr VJ (Renal Fellow)

06 Feb 2024

Contributed by Lukas

In today’s episode Dev interviews renal fellow, Dr. VJ touching on:👉🏾 his income👉🏿 his savings rate👉🏻 locuming👉 his view on deb...

403 redundancy insurance, sole traders & tax, income protection inside vs outside super + more

30 Jan 2024

Contributed by Lukas

In this episode, Dev answers your questions:👉🏾 how do you balance ethical practice, making enough money, and pursuing your own passions?👉🏿...

402 an interview with Balaji Gopal from Vanguard Australia

23 Jan 2024

Contributed by Lukas

In this episode Dev has a chat with Balaji Gopal from the Head of Distribution & Financial Adviser Services at Vanguard Australia. Dev and Balaji ...