Dev Raga Personal Finance

In this episode, Dev chats with Dr Chris Sia about the journey of building Telecare - its early days, scaling operations, selling the business, and what now. They unpack:👉🏾 how Telecare began and the early challenges👉🏼 how the pandemic accelerated growth and demand👉🏿 what the business model looks like today👉 managing full-time work while running a startup👉🏻 how they scaled and built a strong team👉🏾 what it took to sell the business👉🏿 what’s next for Dr Chris Sia and the Telecare teamDev 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.auTo 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.

In today's episode Dev unpacks private lending, touching on:👉🏾 what it is and how it works👉🏿 how big is the market?👉🏻 reasons why someone might borrow using private credit👉 it's benefits👉🏼 it's risks👉🏽 different types of private credit👉🏾 and how people can get access to itDev 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.auTo 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.

In the second half of this conversation, Kabhir* shares how he’s building a life and career in Australia as an international medical graduate (IMG), touching on:👉🏾 integrating into Aussie culture and language👉 balancing ED shifts with general practice👉🏿 the reality of GP income vs hospital perks👉🏻 navigating permanent residency and citizenship👉🏼 buying a first home and smart money tips for IMGs*Name changed for privacyHealth Workforce Locator: https://www.health.gov.au/resources/apps-and-tools/health-workforce-locator/appDev 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.auTo 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.

In this first half of a two-part chat, Dev speaks with Kabhir* a doctor who migrated from Pakistan to Australia as an international medical graduate (IMG). Kabhir shares how he:👉🏾 trained and specialised in neurosurgery in Pakistan👉🏽 prepared for and passed the AMC exams👉🏿 navigated visas, registration and job offers👉🏻 compared working hours, pay and lifestyle between Pakistan and Australia👉 managed the “downgrade” from registrar at home to starting over here*Name changed for privacyHealth Workforce Locator: https://www.health.gov.au/resources/apps-and-tools/health-workforce-locator/appDev 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.auTo 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.

Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to keep it under control, touching on:👉🏾 what is lifestyle creep?👉🏿 what age group does lifestyle creep usually affect more👉🏻 why is it dangerous?👉 ways to reduce the risk of lifestyle creepRelated episodes 🎧 530 what is opportunity cost? Apple Podcast | SpotifyDev 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.auTo 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.

In part 2 of this special 2-part series, Dev continues the conversation with JL Collins - author of The Simple Path to Wealth - digging into the mindset and mechanics of building financial independence that lasts a lifetime. They discuss:👉🏻 stock series vs the book - which one should you read first?👉🏽 why market crashes are a gift when you’re building wealth👉🏿 dividends, buybacks & what makes an asset truly productive👉 asset allocation, bonds & sequence risk in retirement👉🏻 ETFs vs mutual funds, does it really matter?👉🏼 JL’s story of receiving an email from Vanguard founder, Jack Bogle👉🏽 thoughts on legacy wealth & passing money to the next generation 👉🏿 the famous “F U money” clip & what it really meansGet JL's book, The Simple Path to Wealth (Revised & Expanded 2025 Edition): https://amzn.to/4mB3JlIJL's website: https://jlcollinsnh.comJL's famous stock series: https://jlcollinsnh.com/stock-series/JL's famous google talk: https://www.youtube.com/watch?v=T71ibcZAX3IJL in the "Playing with Fire" documentary: https://www.youtube.com/watch?v=GTqGEh1IQewDev 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.auTo 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.

In a compelling conversation, JL Collins, author of 'The Simple Path to Wealth' and a key figure in the FIRE movement, shares his journey from childhood entrepreneur to financial expert. He discusses the complexities of debt, arguing against the conventional wisdom of homeownership as an investment. JL champions the benefits of index funds and explains why simplicity is essential in investing. He also challenges common views on dollar cost averaging, advocating for a disciplined approach to wealth building that fits individual financial goals.

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 https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.

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 https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.

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 broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.