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PODCAST

Dev Raga Personal Finance

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.

business investing

All Episodes

30:58

524 superannuation changes coming July 2025

Dev Raga Personal Finance ·

2025/06/10

In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers:👉🏾 carry forward contributions👉🏿 minimum pension drawdown👉🏻 superannuation guarantee increase to 12%👉 transfer balance cap👉🏼 defined benefit income capsRelated episodes:231 superannuation part 1 - Apple | Spotify232 superannuation part 2 - Apple | Spotify233 superannuation part 3 - Apple | SpotifyWe hate email spam so we don’t create it! Sign up to our newsletter to get only the

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26:51

523 tax tips to maximise EOFY savings

Dev Raga Personal Finance ·

2025/06/03

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:👉🏽 prepaying interest and expenses👉🏼 offsetting capital gains with capital losses👉🏿 personal super contributions👉🏻 the $20k instant asset write-off for business owners👉🏾 the $500 co-contribution scheme for low-mid income earners👉🏼 claiming home office expenses👉🏽 trust beneficiaries👉🏿 excess contributions and the div 293 taxWe hate email

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50:01

522 Stockspot super deep dive (with CEO Chris Brycki)

Dev Raga Personal Finance ·

2025/05/27

In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They unpack how it compares to traditional super funds, why it's built around ETFs, and how it handles fees, risk, insurance, and tax efficiency. The chat touches on:👉🏾 why Stockspot launched a super product👉🏿 how Stockspot Super differs from other super funds👉🏻 what investments are included in the portfolio👉 a breakdown of fees and who they go to👉🏽 how

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16:00

521 risk, return and volatility

Dev Raga Personal Finance ·

2025/05/20

In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers:👉🏿 how to figure out your personal risk tolerance👉🏻 why chasing high returns usually means more risk👉 what volatility actually means (and why it’s normal)👉🏼 what is the efficient frontier 👉🏽 how diversification helps manage risk👉🏾 the impact of inflation on long-term returns👉🏻 modern portfolio theory👉🏿 why past performance isn’t a reliable guide👉 the importance of aligning your

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25:38

520 what is the div 296 tax?

Dev Raga Personal Finance ·

2025/05/13

Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation which will impact super balances of $3 million and above. He touches on:👉🏾 superannuation concepts👉🏿 the function of super👉🏻 what is the div 296 tax?👉 who will it impact👉🏼 any exceptions or special rulesYou can read more about the legislation here:

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16:38

519 what is a listed investment company (LIC)?

Dev Raga Personal Finance ·

2025/05/06

In today's episode Dev explains what a listed investment company is and how it works. He covers:👉🏾 the investment options👉🏿 management and fees👉🏻 the difference between LICs and LITs👉 examples of LICs👉🏼 and their pros and consWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any

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50:50

518 investment bonds (with Generation Life CEO,...

Dev Raga Personal Finance ·

2025/04/29

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 cover:👉🏽 what investment bonds are and how they work 👉🏼 who investment bonds are most suited to 👉🏿 tax benefits compared to investing outside a bond 👉🏻 how asset protection and estate planning features work👉 fees, investment options, and how to withdraw fundsWe hate email spam so we don’t create it! Sign up to our newsletter to get only the

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1:06:22

517 why this American doctor left it all behind for...

Dev Raga Personal Finance ·

2025/04/22

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 a new life and career in Australia and New Zealand. They dive into Carmen’s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not just better working conditions, but a new lease on life. Carmen also shares how she built her consulting business Expat MD to help other doctors do the

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24:42

516 types of debt & what is debt recycling

Dev Raga Personal Finance ·

2025/04/15

Let's talk about debt! Dev covers:👉🏿 what is debt?👉🏻 deductible vs non deductible debt👉 what is debt recycling👉🏼 the pros and cons of debt recyclingWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your

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17:14

515 what is a doom loop?

Dev Raga Personal Finance ·

2025/04/08

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 main causes👉🏼 and how to break the doom loopWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does

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39:32

514 dentistry, insights into practice ownership &...

Dev Raga Personal Finance ·

2025/04/01

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 into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for privacy. Her journey includes:👉🏾 getting into dental school & early career challenges👉🏿 private vs public dentistry: work, income &

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17:21

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

Dev Raga Personal Finance ·

2025/03/25

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 falls short, and how you can tweak it for a more secure future. He dives into:👉🏻 why the 4% rule was created and if it still works today👉 how market downturns and fees can derail your retirement👉🏼 the hidden power of paying off your mortgage before retiring👉🏽 asset allocation strategies to make your money last longer📝 Episode transcriptsWe

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48:52

512 lessons from a junior doctor: saving, investing &...

Dev Raga Personal Finance ·

2025/03/18

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 journey through private medical school, navigating doctor-friendly home loans, and the investing strategy that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on:👉🏾 the cost of private medical school & fee-help loans👉🏿 moving for work & how it shaped his career👉🏻 current income, outgoings &

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20:59

511 timeless principles of investing

Dev Raga Personal Finance ·

2025/03/11

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 you build lasting wealth, including:👉🏾 having a clear financial plan👉🏿 why diversification is key👉🏻 minimising your investment costs👉 having a long-term perspective👉🏼 and knowing when to stop playing the game📝 Episode transcriptsWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and

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45:59

510 from divorce to financial freedom: Sarah’s story

Dev Raga Personal Finance ·

2025/03/04

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 an arranged marriage ended in divorce and how she rebuilt financial freedom for herself and her children. *Name has been changed for privacy. Sarah's story touches on:👉🏾 her med school journey in the UK👉🏿 growing up with a scarcity mindset in an immigrant family👉🏻 entering an abusive arranged marriage at a young age👉 how divorce impacted her

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16:04

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

Dev Raga Personal Finance ·

2025/02/25

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 earning more doesn’t always mean financial freedom. He touches on:👉🏾 what the two-income trap is and why it matters👉🏿 how rising fixed costs (housing, childcare) eat away at extra income👉🏻 why dual-income households can still face financial stress👉 whether staying home with kids should be considered "paid work"👉🏼 practical ways to avoid

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45:14

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

Dev Raga Personal Finance ·

2025/02/18

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 retirement after working for 30+ years.In today's episode, Dev chats with Joanne Earl, Professor of Psychology at Macquarie University. They touch on:👉🏾 the 6 buckets to focus on in your transition to retirement👉🏻 is working long term a bad idea?👉🏼 managing boredom in retirement👉🏽 navigating losing more loved ones in old age👉 how to practice

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12:08

507 the paradox of thrift

Dev Raga Personal Finance ·

2025/02/11

In today's episode, Dev explains the concept called "paradox of thrift". He touches on:👉🏾 what it is👉🏿 real world examples such as a recession👉🏻 the circular flow economic model👉 Keynesian economics👉🏼 it's flaws and criticismRelated episodes: 🎧 070 recessions and depressions!📝 Episode transcriptsWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books,

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46:28

506 protecting your wealth: wills, estate planning &...

Dev Raga Personal Finance ·

2025/02/04

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 wealth for future generations. They break down common mistakes, digital assets, tax traps, and whether a testamentary trust could be right for you. The episode touches on:👉🏾 why estate planning is more than just a will👉🏻 common pitfalls people make with their assets👉🏼 how to protect wealth across generations👉 is there a death tax in

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1:00:05

505 is FIRE even possible with a family? I talk with...

Dev Raga Personal Finance ·

2025/01/28

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 for singles or couples without kids. They share their unique journey of smashing the mortgage, balancing family life, and building financial independence, all while raising three kids. The interview touches on:👉🏾 starting their FIRE journey later in life👉🏻 smashing their mortgage by living on one income👉 balancing private school fees,

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347 results

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