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this is work

Shelley Johnson

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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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this is investing

Vince Scully

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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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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 property

John Pidgeon & Rachelle Kroon

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Join John Pidgeon β€” property investor, coach, buyers’ advocate and author β€” 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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Feeling stuck in your career or not sure of your next step? Grab your notes app or a journal cause in this popular ep from 2025, Shell shares five game-changing questions that can unlock clarity and guide you toward epic career moves. Get ready to reflect, confront your fears and dream big as you explore: πŸ‘‰πŸΎ what you really want πŸ‘‰πŸΏ what’s stopping …
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ETFs, managed funds or LICs, which one should you actually choose? Vince breaks down the real differences between each structure, how tax and pricing work behind the scenes and why starting with what you want to invest in matters more than the wrapper you use. πŸ‘‰πŸΎ why ETF vs managed fund is the wrong starting point πŸ‘‰πŸΏ why most investors use pooled i…
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Some investing strategies come and go, but the best ones stand the test of time. Dev shares 5 timeless investing principles to help you build lasting wealth. 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 insurance…
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Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include: πŸ‘‰πŸΏ investment property choice: Sydney vs. regional? (clip from ep731) πŸ‘‰πŸ» claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740) πŸ‘‰ pay off my property …
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Got a tough boss? Struggling to get promoted? Feeling stuck in your job? Shell tackles your work dilemmas in this popular episode from 2025. Connect with Shell on LinkedIn: https://www.linkedin.com/in/shelley-johnson/ If you lead teams, check out Shelley’s business, Boldside: https://www.boldside.com.au/ Shell & Glen’s book 'Sort Your Career Out & …
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In this episode Vince Scully breaks down how market indexes were created, how they’re constructed and how to use them effectively as an investor. He covers: πŸ‘‰πŸΎ why indexes exist and what problem they solved πŸ‘‰πŸΏ how the s&p 500 actually works πŸ‘‰πŸ» the origins of major global indexes πŸ‘‰ price indexes vs accumulation indexes πŸ‘‰πŸΌ index funds and the rise of…
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In this episode it's time to reflect on the 10 things I have learned in 2025, and its not always about finance. Have a good Christmas and New Year period. 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? …
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In today's episode Rachelle interviews listener Chris* about his journey of buying his first home in 2020 to building a five-property portfolio in just a few years. He talks about: πŸ‘‰πŸ» buying with an investor mindset from day one πŸ‘‰ how picking locations he knew shaped his strategy πŸ‘‰πŸΌ how he managed serviceability as a single buyer and as the portfol…
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Talking about pay can feel awkward, emotional and high-stakes but avoiding it can quietly stall your career. In this episode, Shell is joined by compensation expert Matt McFarlane to unpack what’s really happening in the job market, how to talk about money earlier (not when resentment hits), and the non-salary levers that matter just as much as dol…
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In today's episode of the investing principles series, Vince Scully walks through how to actually choose funds for your investment portfolio that fit your goals, risk tolerance and life stage. He covers: πŸ‘‰πŸΎ actively managed vs index funds πŸ‘‰πŸΏ allocating across countries, sectors and company size πŸ‘‰πŸ» why global market weights don’t equal good portfoli…
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Investor activity is surging in regional New South Wales, and buyer’s agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about: πŸ‘‰πŸΎ how regional markets differ from capital cities πŸ‘‰ investor profiles that Marcus works with πŸ‘‰πŸ» areas that Marcus buys in and why πŸ‘‰πŸ½ Tamworth deep dive - blue chip a…
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In this episode Dev unpacks: πŸ‘‰πŸΎ what is a non concessional contribution πŸ‘‰πŸΏ the bring forward rule πŸ‘‰πŸ» what happens if you breach the $120k cap πŸ‘‰ pros and cons of making non concessional contributions πŸ‘‰πŸΌ downsizer contributions πŸ‘‰πŸ½ the Government co-contribution πŸ‘‰πŸΎ what Dev does Dev Raga Personal Finance is proudly supported by Sphere Home Loans and S…
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As 2025 comes to an end, Shell and Dr Amantha Imber reflect on the big (and little) learnings, mindset shifts and practical stuff that they'll be taking into the new year! They touch on: πŸ‘‰πŸΌ energy, focus & what really drives performance πŸ‘‰πŸΎ boundaries, rest & staying out of burnout πŸ‘‰ confidence, self-belief & playing bigger πŸ‘‰πŸΏ navigating discomfort,…
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In 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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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: πŸ‘‰πŸ½ w…
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John 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. πŸ‘‰πŸΎ what APRA’s DTI cap actually is and who it affects πŸ‘‰πŸΏ what's causing prices to continue going upward πŸ‘‰πŸ» tips for investors amidst …
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In today's episode Shell shares 15 thoughts, musings and career advice that she needs you to hear loud and clear which touch on: πŸ‘‰πŸΌ mindset shifts πŸ‘‰πŸΎ navigating fear, discomfort & embarrassment πŸ‘‰πŸ½ what actually holds people back in their careers πŸ‘‰ confidence & self-belief πŸ‘‰πŸΏ leadership realities most people don’t talk about πŸ‘‰πŸ½ practical ways to sho…
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Vince 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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Vince 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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In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax, touching on: πŸ‘‰πŸ» cap or no caps πŸ‘‰ CPI indexed amounts or not πŸ‘‰πŸΌ 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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At 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: πŸ‘‰ the early money habits he established after reading The Barefoot Investor at 15 πŸ‘‰πŸΌ his saving and investing journey and how he save…
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In today's Q&A Shell discusses your work questions with return guest, Steph Clarke. They chat about: πŸ‘‰πŸ» how do you show up with personality and still be seen as professional? πŸ‘‰ is it okay to quit a job without a plan? πŸ‘‰πŸΎ how to rebuild credibility and trust after making a mistake at work πŸ‘‰πŸΏ how do you manage up when your boss isn’t great at communi…
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John and Rachelle answer your questions! πŸ‘‰ renovate home or buy an investment first? πŸ‘‰πŸΌ what type of valuation should I get? πŸ‘‰πŸ½ what to ask a buyers agent before you commit πŸ‘‰πŸΎ is it a good idea to buy an investment property with cash? πŸ‘‰πŸΏ best structure to buy a working farm πŸ‘‰πŸ» have I missed the boat to buy my first IP? πŸ‘‰ what’s happening in Melbour…
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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: πŸ‘‰πŸΎ ETFs vs managed funds πŸ‘‰πŸΏ knowing your investor policy πŸ‘‰πŸ» what is your performance objective? πŸ‘‰ what does the ETF hold? πŸ‘‰πŸΌ ETF structure πŸ‘‰πŸ½ liquidit…
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Shell and Rohan Dredge riff on the big topics leaders tend to avoid: πŸ‘‰πŸΎ communicating with clarity πŸ‘‰πŸΏ managing distractions for you and your team πŸ‘‰πŸ» why discipline beats desire πŸ‘‰ the power of 1:1s πŸ‘‰πŸΌ managing talented jerks, energy vampires & personality hires πŸ‘‰πŸ½ the power of awkward honesty πŸ‘‰πŸΎ what does vulnerability mean Connect with Rohan on Lin…
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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: πŸ‘‰πŸΎ what is an annuity and how can you buy one ? πŸ‘‰πŸΏ lifetime vs fixed annuities πŸ‘‰πŸ½ returns πŸ‘‰πŸ» how does it affect the aged pension πŸ‘‰ pros and cons πŸ‘‰πŸΌ how are annuities taxed πŸ‘‰πŸ½ what happens if the an…
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John 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. πŸ‘‰πŸ» Macquarie bank pulls out of trust and company lending πŸ‘‰ Ubank offers 90% loans with no LMI πŸ‘‰πŸΌ discussing feedback o…
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Today 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 β€˜future-proof’ your career. πŸ‘‰πŸΎ why future-proofing your career is a myth + what to do instead πŸ‘‰πŸΏ spotting signals of…
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In 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: πŸ‘‰πŸΎ what Microburbs actually does & who it's for πŸ‘‰πŸ» the most influential data point for choosing a location πŸ‘‰πŸΌ 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: πŸ‘‰πŸΎ the 50/30/20 budget πŸ‘‰πŸΏ cash stuffing / envelope system πŸ‘‰πŸ» zero based budget πŸ‘‰ pay yourself first budget πŸ‘‰πŸΌ the no budget budget πŸ‘‰πŸ½ 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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Can 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. πŸ‘‰πŸΎ Steph’s interest in studying friendship and starting How to Friend πŸ‘‰πŸΏ can you be friends with the boss? πŸ‘‰πŸ» perceptio…
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In 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: πŸ‘‰πŸΎ assessing their risk profiles and money mindset …
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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: πŸ‘‰πŸ» living and working in a tight-knit town πŸ‘‰ boundaries with neighbours and patients πŸ‘‰πŸΌ isolation, gu…
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Shell 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: πŸ‘‰ facing stuckness and high anxiety in her career before starting Boldside πŸ‘‰πŸΏ quitting her job with nothing to go to πŸ‘‰πŸΌ saying y…
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In this anonymous listener story, β€œMeg” 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: πŸ‘‰ buying her first place at 22 on the Gold Coast πŸ‘‰πŸΌ leveraging equity to buy again in Perth and the Central Coast (instead of saving cash) πŸ‘‰πŸΎ managing risk, buffers and …
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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: πŸ‘‰πŸ½ why James chose rural over metro πŸ‘‰ the Dean’s Rural List & training pathway πŸ‘‰πŸΎ what a β€œrural gene…
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If 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: πŸ‘‰πŸΌ high personal responsibility πŸ‘‰πŸΎ 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: πŸ‘‰πŸΎ what is income? πŸ‘‰πŸΏ what is wealth & what does quiet wealth mean? πŸ‘‰πŸ» habit 1 - building relationships πŸ‘‰ habit 2 - understanding the difference between income and wealth πŸ‘‰πŸΌ habit 3 - playing the long game πŸ‘‰β€¦
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In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about: πŸ‘‰πŸ» their individual risk appetites πŸ‘‰ why they've chosen to keep things separate πŸ‘‰πŸΌ getting a BFA (binding financial agreement) πŸ‘‰πŸΏ the properties they have between them πŸ‘‰πŸ½ how they navigate shared expenses πŸ‘‰πŸΎ 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: πŸ‘‰πŸ» emailing like you speak πŸ‘‰ being hard to offend πŸ‘‰πŸΌ being able to communicate tough messages without being offensive πŸ‘‰πŸ½ showing your working πŸ‘‰πŸΏ and owning your strengths Connect with Em on LinkedIn: https://www.linkedin.com/in/emilybowen26 If you le…
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Glen puts Simran Kaur from Friends That Invest in the hot seat with his signature 10 questions. They chat about: πŸ‘‰ what makes a successful investor πŸ‘‰πŸΏ invest inside or outside of retirement? πŸ‘‰πŸΌ pay down mortgage or invest? πŸ‘‰πŸ½ the biggest barrier stopping people investing πŸ‘‰πŸΎ do you have to be smart to be good with money? πŸ‘‰πŸΏ Sim’s definition of succe…
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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: πŸ‘‰πŸΎ how Telecare began and the early challenges πŸ‘‰πŸΌ how the pandemic accelerated growth and demand πŸ‘‰πŸΏ what the business model looks like today πŸ‘‰ managing full-time work while runnin…
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In this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions: πŸ‘‰πŸΎ using redraw from your investment loan to buy ETFs πŸ‘‰πŸΏ how to document and reset the 6-year CGT rule πŸ‘‰πŸ» claiming travel, tools & repairs for interstate properties πŸ‘‰ repairs vs improvements - what’…
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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: πŸ‘‰πŸ½ seeing beyond yourself and thinking like the team πŸ‘‰πŸΎ asking great questions and getting curious πŸ‘‰πŸ» knowing when 90% is good enough πŸ‘‰ building grit and gra…
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In this episode Shell and Em Bowen unpack what to do when you're faced with some tricky maybe even awkward workplace situations like: πŸ‘‰πŸΎ competing with your work bestie for a role πŸ‘‰πŸΏ going from being someone's coworker to their manager πŸ‘‰πŸ» and avoiding perceptions of favouritism Win a seat at the People & Culture Unconference. Enter here: https://bi…
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In this episode, Glen and Nick Bradley get real about passive income, touching on: πŸ‘‰πŸΎ Nick’s $180k income target in Spain πŸ‘‰πŸΌ hat’s truly passive vs what’s really another job πŸ‘‰πŸΏ options trading πŸ‘‰ fixing your life before chasing passive income πŸ‘‰πŸ» dividends, REITs & business development companies explained πŸ‘‰πŸΎ bitcoin yield ETFs Learn to be a better in…
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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: πŸ‘‰πŸΎ integrating into Aussie culture and language πŸ‘‰ balancing ED shifts with general practice πŸ‘‰πŸΏ the reality of GP income vs hospital perks πŸ‘‰πŸ» navigating permanent residency and citizenship …
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Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss: πŸ‘‰πŸ» a day in the life of a buyer's agent πŸ‘‰ why invest in regional VIC? πŸ‘‰πŸΌ Geelong snapshot πŸ‘‰πŸ½ VIC land tax πŸ‘‰πŸΎ Shepparton snapshot & $420k buyer case study πŸ‘‰πŸΏ Bendigo snapshot πŸ‘‰πŸ» Bend…
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