In this episode Dev sits down with psychiatrist Dr Ava for an honest, unfiltered look at mental health in the medical profession. They unpack why doctors and healthcare workers aren’t immune to burnout, depression or family violence, how stigma keeps people silent and the real financial fallout when your health crashes. The episode touches on: 👉🏽 w…

In this episode, I discuss property predictions for 2026! SQM boom and bust report 2026 discusses what growth to be expected for different cities next year. It was bit suprising to me still expecting strong growth for Adelaide, Perth, Brisbane (surely near the peak?...or not) I also discuss some of the markets I have been purchasing in also. Let me…

In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax, touching on: 👉🏻 cap or no caps 👉 CPI indexed amounts or not 👉🏼 and what marginal tax rates people will pay for balances higher than $2M Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out ht…

There's so many ETFs on the market to choose from, how do you decide which one(s) to invest in? In this episode Dev shares a system based approach to selecting an ETF that's right for you. He covers: 👉🏾 ETFs vs managed funds 👉🏿 knowing your investor policy 👉🏻 what is your performance objective? 👉 what does the ETF hold? 👉🏼 ETF structure 👉🏽 liquidit…

Amazing to hear people able break through barriers- I was astounded when heard uni student was able to purchase 3 properties (I had zero myself as a medical student). Listen to this episode to see how Leon Polychronopoulos was able to do so. How first home buyer grants may not be the best choice (opportunity cost of buying in Geelong at the wrong t…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

In this episode Dev and Vince Scully from Life Sherpa unpack what an annuity is and how it can be used as a retirement income strategy. They talk about: 👉🏾 what is an annuity and how can you buy one ? 👉🏿 lifetime vs fixed annuities 👉🏽 returns 👉🏻 how does it affect the aged pension 👉 pros and cons 👉🏼 how are annuities taxed 👉🏽 what happens if the an…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through: 👉🏾 the 50/30/20 budget 👉🏿 cash stuffing / envelope system 👉🏻 zero based budget 👉 pay yourself first budget 👉🏼 the no budget budget 👉🏽 and Dev's personal budget strategy Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a…

In this episode, we discuss how GPs can still bill compliantly whilst doing great patient care, reduce administration tasks, Dr Casey himself has noticed increase billings per hour of 14%. We discuss med school, investing in shares property and now business. From buying a thriving GP practice and growing it from 21 to 30 doctors. And more recently,…

Continuing on from last week's episode, Dev and Dr James* go deeper discussing boundaries in small communities, navigating burnout, and how rural doctors approach money, cost of living and investing while working in isolated areas. They chat about: 👉🏻 living and working in a tight-knit town 👉 boundaries with neighbours and patients 👉🏼 isolation, gu…

In today's episode Dev chats with rural GP Dr James* about why he chose to build his career outside the city. They explore the training pathway, the realities of rural medicine and the unique pros and cons of life as a country doctor. They touch on: 👉🏽 why James chose rural over metro 👉 the Dean’s Rural List & training pathway 👉🏾 what a “rural gene…

Send us a text --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Break Facebook Page: https://www.facebook.com/ABCsofAnaesthesia Facebook Private Group: https://www.faceb…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

Send us a text Please check out Dr Dev Raga Personal Finance on all podcasting platforms https://podcasts.apple.com/au/podcast/dev-raga-personal-finance/id1527271964 https://open.spotify.com/show/4i7qGU4QdWzUAW7r1eikTr?si=a91a76afb9da4589 --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcso…

In this episode, we chat with buyers agent Richard Bharata, we discuss pros and cons of purchasing property in Melbourne. He shares some case studies and how navigating land tax and compliance (minimum standards) is part and parcel of the investing game. He also updates us of his impressive portfolio- 14million dollars in 4 years! ➢tips on sourcing…

In today’s episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He covers: 👉🏾 what is income? 👉🏿 what is wealth & what does quiet wealth mean? 👉🏻 habit 1 - building relationships 👉 habit 2 - understanding the difference between income and wealth 👉🏼 habit 3 - playing the long game 👉…

Send us a text For more great content, check out our foundations course! https://anaesthesia.thinkific.com/courses/foundations --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia …

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

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 runnin…

Send us a text Check our the full viva in the Final Exam Course https://anaesthesia.thinkific.com/courses/FinalExam --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Brea…

In this episode part 2 of chat with Dr Annalyse Crane, we explore challenges involved with practice ownership, including negotiating purchase of the business premises. ➢being your own landlord ➢painful lesson about property purchasing and contracts- how to avoid paying double stamp duty! ➢why tenant doctor will generate more revenue than allied hea…

Send us a text For more great content, check out our foundations course! https://anaesthesia.thinkific.com/courses/foundations --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia …

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 …

In this chat with Dr Annalyse Crane, we explore journey from PE teacher to studying medicine. Work ethic, taking calculated investment risks, juggling work with kids is just a typical day for her! Topics discussed include: ➢first job $5/hr ➢what sparked change from teacher to study medicine ➢buying first property at 21 years old ➢having a spouse wh…

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, p…

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 creep Related episodes 🎧 53…

Today we chat with Scott Yip, banker turned mortage broker. With 15 years experience with lending, he shares how lending has changed over the years. ➢funny story how he accidentally fell into banking career. ➢different between active and passive property investing ➢self-development- property courses ➢property development site for townhouses- issues…

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 bui…

In this first half of a 2-part conversation, Dev sits down with JL Collins the author of The Simple Path to Wealth to explore his updated edition and the timeless principles of financial independence. JL shares his journey from selling fly swatters at age 8 to shaping one of the most influential voices in FIRE. They talk about: 👉🏾 why living below …

Can you actually lose with property investing in Australia? seems everyone talks about the positives and the big wins, but often downsides are not talked about. In this episode, I'm going to shed some light- so you make an informed decision. Some disadvantages include: 1.large lumpsum to get started 2.property is illiquid 3.maintenance! 4.bad prope…

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 exa…

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 retirement Check out Dev's episode on Div 296 here: Apple Podcast | Spot…

Send us a text --------- Find us at Instagram: https://www.instagram.com/abcsofanaesthesia/ Twitter: https://twitter.com/abcsofa Website: http://www.anaesthesiacollective.com Podcast: ABCs of Anaesthesia Primary Exam Podcast: Anaesthesia Coffee Break Facebook Page: https://www.facebook.com/ABCsofAnaesthesia Facebook Private Group: https://www.faceb…

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 debt Article - Should you buy a car with cash or car loan: https://lifesherpa.com.a…

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 calculations Dev Raga Personal Finance is proudly supported by Sphere Home Loans an…

How do I as an early 30s GP in Australia, set goals. In this episode, we talk about financial, professional and personal goals. SMART goals. We talk about 50/30/20 rule for high income earners. Avoiding lifestyle creep- easier said than done often. Other things to consider: super contributions, review personal insurances, setting a budget. Other ep…

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 finances Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? C…

In this episode, we go behind the scenes with another doctor podcaster- Dev Raga. Long episode, where Dev shares some real gems, taking us behind the scenes- from a particular moment in David Jones as a kid, to medical school, to mastering the 3A's as a surgical trainee, to then GP. He also reveals how much he earns in a year, and also net worth ta…

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? …

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 example Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out htt…

In this chat with Dr Gihan "Dr G", we explore his backstory in medicine, investing in yourself, as well as what process was like becoming an author of "Do Happy", and now business coach for lifestyle medicine practitioners looking to widen their impact. We discuss what lifestyle medicine entails for Dr G, and what inspired him to do long consultati…

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 hav…

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 cro…

Inspiring chat with Johnson, optometrist and buyers agent. At just 27 years old, he has gone from zero to 6 properties in under 3 years! Inspirational seeing young healthcare professionals achieving great things. Another large portfolio story: How a couple built a 40 property portfolio in Australia find out more about Johnson: About — Prime Vantage…

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 expectations Related episodes 🎧 440 sequence of returns risk & how it affects your retirement: Apple | Spotify Dev Raga Perso…