Dev Raga Personal Finance

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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.

  1. −6 D

    614 what is a family office?

    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 conflict affect investment markets? 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.

    21 min

  2. 7 APR.

    613 the 8-4-3 rule of compounding

    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 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.

    15 min

  3. 31 MARS

    612 what is the super recontribution strategy

    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 super in retirement with Martin McGrath from Retire Right 610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire Right 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.

    20 min

  4. 24 MARS

    611 from Canada to Australia: a doctor’s career and money journey

    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 in Canada *Name changed for privacy 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.

    56 min

  5. 17 MARS

    610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire Right

    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 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.

    32 min

  6. 10 MARS

    609 super in retirement with Martin McGrath from Retire Right

    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 and how does it work For more on retirement check out Retire Right on Youtube or wherever you listen to podcasts. 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.

    38 min

  7. 3 MARS

    608 what is gearing?

    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 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.

    13 min

  8. 24 FEB.

    607 from broke to $800k per annum in 5 years

    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 happen 👉 Hazel's money wins & advice for listeners interested in an OBGYN career *Name changed for privacy 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. 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.

    50 min
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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.

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