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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

15:36

534 what is depreciation?

Dev Raga Personal Finance ·

2025/08/26

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 business. He covers:👉🏾 what is depreciation?👉🏿 types of depreciating assets👉🏻 why it's so important👉 concepts within depreciation👉🏼 the two methods - prime cost & diminishing value👉🏽 and practical examples using these methodsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out

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49:36

533 concessional contributions are maxed, div 296 tax...

Dev Raga Personal Finance ·

2025/08/19

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 discuss:👉🏻 should you make non concessional contributions or invest outside super?👉 the div 296 tax👉🏼 how much do you need in retirementCheck out Dev's episode on Div 296 here: Apple Podcast | SpotifyDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out

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37:35

532 invest vs pay mortgage, borrowing for cars, pay...

Dev Raga Personal Finance ·

2025/08/12

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 invest vs super👉🏻 using debt recycling👉 buying a car with cash or a car loan👉🏼 should you pay off or leave your HECS/HELP debtArticle - Should you buy a car with cash or car loan: https://lifesherpa.com.au/articles/why-paying-cash-for-your-car-is-wrongDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage

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26:38

531 what is capital gains tax?

Dev Raga Personal Finance ·

2025/08/05

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 tax👉 exemptions👉🏼 what are personal use items?👉🏾 how does joint ownership affect CGT👉🏽 what is cost base👉🏻 examples of CGT calculationsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to

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16:46

530 what is opportunity cost?

Dev Raga Personal Finance ·

2025/07/29

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 working out opportunity cost👉🏻 where you can apply the concept of opportunity cost beyond financesDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we don’t create it

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12:10

529 the 5 fundamental rules every smart investor follows

Dev Raga Personal Finance ·

2025/07/15

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 that smart investors live by. Simple, powerful habits to help you build real wealth over time.Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we don’t create it

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14:20

528 Stockholm syndrome in investing

Dev Raga Personal Finance ·

2025/07/08

Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks:👉🏾 what exactly happened in 1973👉🏿 how the term Stockholm Syndrome came about👉🏻 how this is relevant to investing👉 and a worked exampleWe 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

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56:47

527 lessons from 50 years of investing (with a...

Dev Raga Personal Finance ·

2025/07/01

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 over 50 years and has built a large portfolio. We discuss his medical and financial journey, and touch on some valuable lessons along the way. I also ask him about the controversial Div 296 tax and have his take on it, as he will be affected by that tax. This one should not be missed.Ken's recommended reads:About investing for life goals - The

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40:49

526 lending for medical professionals: pre-approvals,...

Dev Raga Personal Finance ·

2025/06/24

Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into:👉 the pre-approval process👉🏽 how to navigate lending with variable income 👉🏼 what to know before taking parental leave or a fellowship 👉🏿 special lending benefits for healthcare professionals 👉🏻 why cross-collateralisation can limit flexibility 👉🏾 how interest rate cuts impact borrowing capacityLearn more about Sphere Home Loans here:

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15:42

525 what is strategic asset allocation (SAA)?

Dev Raga Personal Finance ·

2025/06/17

In today's episode Dev explains the concept of strategic asset allocation and touches on:👉🏾 what it is 👉🏿 the 4 main asset classes👉🏻 target allocation factors👉 risk tolerance👉🏼 investment horizon👉🏽 return objectives and expectationsRelated episodes 🎧 440 sequence of returns risk & how it affects your retirement: Apple | SpotifyWe 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

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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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357 results

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