Join leadership coach Shelley Johnson as she talks with you about all things work! Formerly my millennial career. Hosted on Acast. See acast.com/privacy for more information.
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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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this is investing is your weekly dose of realistic, no-hype investing encouragement. Hosted by Vince Scully, each short episode is designed to help you build long-term wealth by focusing on what actually matters: consistency, mindset, and simple strategy over noise and hype. Whether you're new to investing or looking to stay on track, this series will keep you grounded and growing. Hosted on Acast. See acast.com/privacy for more information.
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Join John Pidgeon — property investor, coach, buyers’ advocate and author — and Rachelle Kroon, mortgage broker, investor, and founder of Sphere Home Loans, as they dive into all things property. From buying your first home to building a portfolio, they share practical insights, expert advice, and real-world stories. With guests from every corner of the property space, John and Rachelle will help you take your next step with clarity and confidence. Formerly my millennial property. Hosted on ...
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Azaria Bell talks with you about your money! Hosted on Acast. See acast.com/privacy for more information.
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1101
745 understanding & embracing risk (investing principles 3/4)
22:36
22:36
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22:36In this episode, Vince unpacks one of the biggest misconceptions in investing - the difference between real risk and day to day volatility. He also breaks down concentration, leverage, investor behaviour and how to find the right level of risk so you can actually stay the course. Watch this is investing on Youtube: https://www.youtube.com/@thisisin…
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549 mental health in medicine: what doctors don’t talk about (with Dr Ava)
1:04:35
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1:04:35In 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…
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748 APRA’s lending cap, major NSW & VIC zoning changes & the 2% shared equity scheme
43:07
43:07
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43:07John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme. 👉🏾 what APRA’s DTI cap actually is and who it affects 👉🏿 what's causing prices to continue going upward 👉🏻 tips for investors amidst …
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748 the 15 things you need to hear in your career at least once
34:56
34:56
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34:56In today's episode Shell shares 15 thoughts, musings and career advice that she needs you to hear loud and clear which touch on: 👉🏼 mindset shifts 👉🏾 navigating fear, discomfort & embarrassment 👉🏽 what actually holds people back in their careers 👉 confidence & self-belief 👉🏿 leadership realities most people don’t talk about 👉🏽 practical ways to sho…
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744 the 5 B's to investing + why invest in gold (investing principles 2/4)
33:36
33:36
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33:36Vince breaks down the 5 Bs which make up the core building blocks of every investment portfolio: bills, bonds, bullion, bricks and businesses + 6 common factors of a winning stock. Learn to be a better investor with The Quick Start-Guide to Investing: https://www.moneypodcast.com.au/store Have a question or topic for the show? Post it in our Facebo…
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743 introducing a new host! + inflation, returns & your investing why (investing principles 1/4)
14:10
14:10
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14:10Vince Scully kicks off a new era of this is investing with a back to basics 4-part series. In this episode Vince looks at why we invest in the first place. He breaks down inflation, long-term returns and the mindset that makes investing decisions easier over time. Learn to be a better investor with The Quick Start-Guide to Investing: https://www.mo…
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548 unpacking the changes to div 296 with Vince Scully
43:35
43:35
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43:35In 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…
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747 using a parental guarantee to get a better investment property at 23
20:09
20:09
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20:09At 23, Dan* bought his first property as an investment with a combination of hard work, strategy and support from his parents. In today's episode Dan joins Rachelle to share the steps he took to do that, touching on: 👉 the early money habits he established after reading The Barefoot Investor at 15 👉🏼 his saving and investing journey and how he save…
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747 bringing personality to work, quitting without a plan, making mistakes & managing up
48:37
48:37
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48:37In today's Q&A Shell discusses your work questions with return guest, Steph Clarke. They chat about: 👉🏻 how do you show up with personality and still be seen as professional? 👉 is it okay to quit a job without a plan? 👉🏾 how to rebuild credibility and trust after making a mistake at work 👉🏿 how do you manage up when your boss isn’t great at communi…
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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…
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746 is it too late to buy? BA red flags, Victoria’s hot market + more
41:04
41:04
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41:04John and Rachelle answer your questions! 👉 renovate home or buy an investment first? 👉🏼 what type of valuation should I get? 👉🏽 what to ask a buyers agent before you commit 👉🏾 is it a good idea to buy an investment property with cash? 👉🏿 best structure to buy a working farm 👉🏻 have I missed the boat to buy my first IP? 👉 what’s happening in Melbour…
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746 big conversations every leader needs to have (awkward chats, talented jerks + why 1:1s matter)
1:02:23
1:02:23
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1:02:23Shell and Rohan Dredge riff on the big topics leaders tend to avoid: 👉🏾 communicating with clarity 👉🏿 managing distractions for you and your team 👉🏻 why discipline beats desire 👉 the power of 1:1s 👉🏼 managing talented jerks, energy vampires & personality hires 👉🏽 the power of awkward honesty 👉🏾 what does vulnerability mean Connect with Rohan on Lin…
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745 backlash over boom bust episode, 90% no LMI lending, trust lending crackdown + more
46:30
46:30
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46:30John and Rachelle unpack the latest lender policy shifts, UBank’s new 90% no-LMI offering plus listener feedback they received on a recent episode that sparked backlash. Glen James also drops in for a discussion around rentvesting. 👉🏻 Macquarie bank pulls out of trust and company lending 👉 Ubank offers 90% loans with no LMI 👉🏼 discussing feedback o…
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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…
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745 how to prepare for the future of work with futurist Steph Clarke
45:14
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45:14Today Shell sits down with futurist Steph Clarke to unpack how to think about the future of work without spiralling. They chat about uncertainty, AI, imagining different possible futures, and how to stay flexible instead of trying to ‘future-proof’ your career. 👉🏾 why future-proofing your career is a myth + what to do instead 👉🏿 spotting signals of…
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744 buying in the right location for capital growth with Luke Metcalfe
35:29
35:29
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35:29In this episode John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about: 👉🏾 what Microburbs actually does & who it's for 👉🏻 the most influential data point for choosing a location 👉🏼 the post-covid shift to regions & satellite ci…
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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…
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744 how to friend at work: navigating workplace friendships with Steph Clarke
53:00
53:00
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53:00Can you be friends with the boss or the people that you lead? In this episode Shell chats with Steph Clarke who has a Substack called How To Friend, about the messy, beautiful, and sometimes awkward world of workplace friendships. 👉🏾 Steph’s interest in studying friendship and starting How to Friend 👉🏿 can you be friends with the boss? 👉🏻 perceptio…
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743 turning home equity into your first investment (clarity call with John Pidgeon)
37:50
37:50
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37:50In this live clarity call, John chats with long-time listeners Kristyn and Brenton, two teachers from the Central Coast, who are thinking of using equity from their home to invest in property. If you're a first time investor today's episode is packed with actionable tips! John talks to them about: 👉🏾 assessing their risk profiles and money mindset …
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544 is rural medicine worth it? community, burnout & money (part 2)
33:58
33:58
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33:58Continuing 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…
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743 the Boldside story: Shell's lessons in backing yourself and doing work your way
49:21
49:21
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49:21Shell gets vulnerable in this special episode as Rohan Dredge interviews her about her business origin story and how feeling boxed in at work sparked a complete reset in her career. Shell's journey and learnings touch on: 👉 facing stuckness and high anxiety in her career before starting Boldside 👉🏿 quitting her job with nothing to go to 👉🏼 saying y…
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742 how Meg built a 3-property portfolio worth $2.5M by 25
37:50
37:50
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37:50In this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about: 👉 buying her first place at 22 on the Gold Coast 👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash) 👉🏾 managing risk, buffers and …
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543 is rural medicine worth it? the journey, training & pros/cons (part 1)
44:49
44:49
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44:49In 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…
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742 leading high-performing executive teams with Rohan Dredge
57:47
57:47
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57:47If you lead or are part of a senior leadership team, this episode is for you. Shell sits down with leadership expert Rohan Dredge to unpack what a high-performing executive team actually looks like and how to navigate the unique challenges that come with leading at the top. They talk about: 👉🏼 high personal responsibility 👉🏾 harnessing ego without …
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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 👉…
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741 partners who invest & manage money separately (David & Louise's story)
38:46
38:46
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38:46In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about: 👉🏻 their individual risk appetites 👉 why they've chosen to keep things separate 👉🏼 getting a BFA (binding financial agreement) 👉🏿 the properties they have between them 👉🏽 how they navigate shared expenses 👉🏾 planning for r…
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Shell and Em Bowen are back with more underrated career skills and this time they're talking about: 👉🏻 emailing like you speak 👉 being hard to offend 👉🏼 being able to communicate tough messages without being offensive 👉🏽 showing your working 👉🏿 and owning your strengths Connect with Em on LinkedIn: https://www.linkedin.com/in/emilybowen26 If you le…
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742 the 10 questions with Sim Kaur from Friends That Invest
13:50
13:50
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13:50Glen puts Simran Kaur from Friends That Invest in the hot seat with his signature 10 questions. They chat about: 👉 what makes a successful investor 👉🏿 invest inside or outside of retirement? 👉🏼 pay down mortgage or invest? 👉🏽 the biggest barrier stopping people investing 👉🏾 do you have to be smart to be good with money? 👉🏿 Sim’s definition of succe…
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740 using redraw to invest, 6-year CGT rule, repairs vs depreciation + more (Q&A with an accountant)
39:39
39:39
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39:39In this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions: 👉🏾 using redraw from your investment loan to buy ETFs 👉🏿 how to document and reset the 6-year CGT rule 👉🏻 claiming travel, tools & repairs for interstate properties 👉 repairs vs improvements - what’…
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541 Telecare: starting, scaling and selling a health tech company (with Dr Chris Sia)
1:04:52
1:04:52
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1:04:52In 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…
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It’s not always the big moves but the underrated skills that make you stand out at work. Shell is joined again by Emily Bowen, COO of Rarekind to unpack some of the key skills to have at work: 👉🏽 seeing beyond yourself and thinking like the team 👉🏾 asking great questions and getting curious 👉🏻 knowing when 90% is good enough 👉 building grit and gra…
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739 the boom bust property cycle explained + where are we now?
52:41
52:41
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739 competing with a work bestie for a role, from mate to manager + favouritism at work
1:01:47
1:01:47
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1:01:47In this episode Shell and Em Bowen unpack what to do when you're faced with some tricky maybe even awkward workplace situations like: 👉🏾 competing with your work bestie for a role 👉🏿 going from being someone's coworker to their manager 👉🏻 and avoiding perceptions of favouritism Win a seat at the People & Culture Unconference. Enter here: https://bi…
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741 passive income and life on your own terms
20:50
20:50
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20:50In this episode, Glen and Nick Bradley get real about passive income, touching on: 👉🏾 Nick’s $180k income target in Spain 👉🏼 hat’s truly passive vs what’s really another job 👉🏿 options trading 👉 fixing your life before chasing passive income 👉🏻 dividends, REITs & business development companies explained 👉🏾 bitcoin yield ETFs Learn to be a better in…
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539 Kabhir’s IMG journey: settling in, GP life, buying a home + money tips (part 2)
39:02
39:02
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39:02In 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 …
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738 investing in regional VIC: Geelong, Bendigo & Shepparton
28:30
28:30
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28:30Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss: 👉🏻 a day in the life of a buyer's agent 👉 why invest in regional VIC? 👉🏼 Geelong snapshot 👉🏽 VIC land tax 👉🏾 Shepparton snapshot & $420k buyer case study 👉🏿 Bendigo snapshot 👉🏻 Bend…
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bonus from FinCon: US vs Aussie property, 30 year fixed rates, rent to buy, taxes + more
24:31
24:31
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24:31Rach and John are coming to you from FinCon in Portland, Oregon. After three days surrounded by finance content creators, they swap notes on how the American property scene stacks up against Australia’s, touching on: 👉🏻 how 30-year 2% fixed loans affect how Americans buy, sell & move 👉 cost of living & attitudes towards home ownership 👉🏼 rent to bu…
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738 career crossroads, Dallas Cowboy Cheerleaders wisdom, narcissistic bosses + more
23:46
23:46
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23:46Feeling stuck in your job but not sure what’s next? In today's episode Shell unpacks: 👉 finding your 'golden thread' for career clarity 👉🏿 spotting which parts of your work energise vs drains you 👉🏻 why following the fear leads to growth 👉🏽 key advice from the Dallas Cowboys Cheerleaders coach 👉🏼 her thoughts on narcissistic bosses 👉🏾 an underrated…
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740 the 10 questions with Jenny from @worththehappiness
17:15
17:15
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17:15While at FinCon 2025 in Portland, Oregon, Glen James caught up with finance coach and educator, Jenny from @worththehappiness. Glen asked Jenny: 👉🏾 what makes a successful investor? 👉🏿 retirement investing or non retirement investing? 👉🏻 mortgage or invest? 👉 what's the biggest barrier to investing? 👉🏼 do you have to be smart to be good with money?…
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737 funding renovations, using equity to buy a 2nd IP, split loans, valuations + more
36:41
36:41
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36:41Rach and John dig into some listener questions about: 👉🏾 funding renovations - cash, equity or future-value valuations 👉🏻 what if investors with 2+ properties had to sell 👉 converting non-tax deductible debt into tax deductible & loan splits 👉🏼 using equity to buy another investment property 👉🏽 debt recycling & selling a property that has split loa…
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538 Kabhir’s IMG journey: medical training in Pakistan & starting out in Australia (part 1)
56:46
56:46
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56:46In 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…
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737 threatened bosses, serial interrupters & managing up
52:09
52:09
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52:09In this episode Shell is joined by Tahnee McWhirter from HumanX to tackle your work problems! They chat about: 👉🏾 dealing with a boss who feels threatened by you 👉🏼 I don't like my boss 👉 how do I give my boss feedback? 👉🏿 how to respond to being constantly interrupted 👉🏻 return to office - yay or nay? 👉🏽 setting clear expectations as a leader Conn…
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739 should I move from Raiz Invest to Betashares Direct?
20:00
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20:00Should anon move their $8k share portfolio from Raiz Invest to DHHF on the BetaShares Direct platform? Glen shares his thoughts, touching on: 👉 anon's scenario 👉🏾 investing strategy 👉🏿 fee comparison: Raiz vs BetaShares Direct 👉🏻 diversification concerns 👉🏽 alternative options e.g. extra mortgage repayments or robo-investing Watch this episode on Y…
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736 public school catchments, property premiums & if they’re worth it
38:27
38:27
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38:27In this episode John and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors. 👉🏾 s…
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537 what is lifestyle creep and how to manage it
11:40
11:40
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11:40Lifestyle 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…
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736 is extroversion hot or not, building influence & selling without being salesy
54:28
54:28
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54:28In this episode, Shell is joined by Chad Lawson from u&u Recruitment Partners to unpack extroversion and introversion in the workplace, why influence matters for everyone, and how to sell your ideas without feeling pushy. They discuss: 👉🏽 extroversion & introversion at work 👉 why influencing skills are critical for your career 👉🏿 how to sell your i…
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738 investing in silver & other precious metals
16:33
16:33
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16:33Silver’s been having a moment lately, but is it really worth the hype? Glen dives into what’s driving the buzz and what it could mean for your investing. Learn to be a better investor with The Quick Start-Guide to Investing: https://www.moneypodcast.com.au/store Nick Bradley is now over on Youtube! Subscribe to his show, 15 Minute Money: https://yo…
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735 First Home Guarantee fast-tracked, FOMO traps & buyer’s agent risks
32:41
32:41
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32:41The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on: 👉🏾 First Home Guarantee…
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536 JL Collins on market crashes, asset allocation & legacy wealth (part 2)
45:59
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45:59In 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…
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