Dev Raga Personal Finance

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 worth it

Dev's first interview with Ken: 527 lessons from 50 years of investing (with a retired GP!)

Dev Raga Personal Finance is pr...

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 to an ICE car

👉🏽 pros & cons of having an EV

👉🏼Dev's top tips for buying cars

Related episodes:

058 the economics of electric ...

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

👉🏿 personal risk

👉🏻 achievements become devalued

👉 morality

👉🏼 raising children

👉🏽 his final thoughts

Dev Raga Personal Finance is proudl...

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 truly passive

👉🏿 the ASX 200 is basically banks and miners, your "diversified" fund might not be

👉🏻 small cap and micro cap funds ...

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:

👉🏾 capital gains tax

👉🏿 negative gearing

👉🏻 how grandfathering will work

👉first home buyer schemes and grants

👉🏼 parental guarantee v...

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 on:

👉🏾 career opportunities in emergency medicine

👉🏿 Jono's path into global health, starting the PEARLS program & establishing a ...

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 created?

👉🏼 how does tax work with a TTR

👉🏽 the pros and cons

Related episodes: 🎧 612 what is the super recontribution strategy

Dev ...

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 MLMs

👉 is joining an MLM actually worth it?

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

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 considerations for buying a practice

👉🏻 billing structure, profitability and operating costs

👉 what's included when you buy a practice

👉🏼 f...

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 of a family office

👉🏼 pros & cons of having one

👉🏽 what is an embedded family office?

🎧 Listen: how does war & global conflic...

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 proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to ...

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 strategy might suit

👉🏼 considerations before using the strategy

Related episodes 🎧

550 are non concessional contributions worth it?

609 sup...

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 medical skills between countries

👉 working rurally, any benefits?

👉🏼 Matt's money journey and tips for listeners

👉🏻 the retirement system i...

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 mistakes Martin sees as an adviser

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mort...

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

👉 what is a transition to retirement (TTR) and how does it work

👉🏾 the transfer balance cap explained

👉🏼 div 296 - who does it affect and a...

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 supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your per...

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 a private practice & gender bias in Medicare rebates

👉🏽 Hazel's income

👉🏿 how Hazel invests

👉🏻 support systems when bad outcomes hap...

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

👉🏾 pros, cons and criticisms

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? C...

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 mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To c...