Dev Raga Personal Finance

Hosted by Dev Raga

Business Education

Website RSS feed

Episodes

398

Latest episode

Oct 2026

Language

About the show

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.

Listen to episodes

60 recent

October 20, 202625 min

641 I got an intern job for 2027, now what?

In this episode we work through some of the practical tips and tricks to get your internship started. In fact, you can use these same principles when you are starting a new role as a HMO, RMO, registrar or even a consultant. This shows that money and finances is all about principles and concepts, and also about behaviour. 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

October 13, 202619 min

640 maximising parental leave schemes for doctors

In today’s episode Dev unpacks the current paid parental leave entitlements, touching on: 👉🏾 what is the paid parental leave scheme 👉🏿 how does it compare for Commonwealth vs employer based schemes 👉🏻 some of the pitfalls to avoid 👉 strategies to maximise your parental leave 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

October 6, 202618 min

639 how automation leads to wealth

In today’s episode Dev unpacks how automating your investing can fast track your wealth-building journey touching on: 👉🏾 automating vs doing everything manually 👉🏿 real life examples and $$ difference 👉🏻 6 practical ways to setup automation in your everyday life 👉 how it can lead to less stress in your financial life 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

September 29, 202626 min

638 is super my money?

Superannuation reform has been making headlines recently, so let's talk about the arguments for and against accessing super early. Dev touches on: 👉🏾 it's my money, why can't I access it? 👉🏿 the tax advantages 👉🏻 what happens if early access is allowed? 👉 the power of compounding 👉🏼 what if I can invest it better? 👉🏽 the COVID experiment - what happened when people were allowed early access? 👉🏾 why not just give me 12% more salary? 👉🏿 why not make super optional? 👉🏻 the argument for choice 👉 Dev's final thoughts 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

September 22, 202631 min

637 lending niches in the current market with Rachelle Kroon

In today's episode Dev is joined by Rachelle Kroon from Sphere Home Loans for an update on the current lending landscape. They touch on: 👉🏾 how the May budget impacted investors 👉🏿 the changes to SMSF lending 👉🏻 banks offering new lending policies like 40 year loan terms 👉 will the property market crash as bad as the media reports? 👉🏼 the opportunity for first home buyers & upsizers 👉🏾 how can people prepare in a rising rate environment? The Quick-Start Guide to Your First Property by Glen James & Rachelle Kroon is available now: https://amzn.to/4svhyoH Interested in chatting with a mortgage broker? Check out https://www.spherehomeloans.com.au Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need to review your personal insurances? Head to https://skye.com.au To chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

September 15, 202615 min

636 what are the pillars of retirement?

In today’s episode Dev explains the World Bank's Pillars of Retirement, touching on: 👉🏾 why the framework was created 👉🏿 what are the 5 pillars 👉🏻 how does Australia compare? 👉 what we can take away from the framework for our own retirement planning 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

September 8, 202616 min

635 what is recursive self improvement?

In today’s episode Dev explains the concept of recursive self improvement and how it relates to the use of AI and your personal finances. He also touches on: 👉🏾 how people can partner with AI in their finances 👉🏿 the pros of this 👉🏻 the risks involved 👉Dev's take on using AI in personal finance 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

September 7, 202613 min

what's happening around the world right now?

In this bonus episode Dev discusses the bond market and why everyone is so panicked, and does it really matter. We will link how it's related to government debt, interest rates, stock markets, and yield rates. 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

September 1, 202632 min

634 Div 296 tax is now law!

In this episode Dev unpacks the tax law that is now in effect impacting individuals with higher superannuation earnings. He covers: 👉🏾 what is Div 296 and why was it created 👉🏿 how does the legislation differ from the initial 2023 proposal 👉🏻 how are indexation and unrealised capital gains treated 👉 worked examples of $3M, $7M and $15M super balances 👉🏼 pros and cons of the legislation 👉🏽 Dev's take on Div 296 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

August 25, 202623 min

633 what is the Gini coefficient?

In this episode Dev unpacks how the Gini coefficient is used to measure economic inequality. He explains how it works plus: 👉🏾 income inequality vs wealth inequality 👉🏿 what is the Lorenz curve 👉🏻 what is Pigou-Dalton principle 👉 limitations of the Gini coefficient 👉🏼 where does Australia sit relative to the OECD countries 👉🏽 his top takeaways 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 chat with a professional and get help about your situation, click here . Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.

Is this your show?

Claim this listing to keep it up to date, reach guests who want to pitch you, and manage bookings with Guestify.

Claim this listing

More Business podcasts

The Bottom Line

Alexander Spencer

BusinessInterviews guests