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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SYMO Interactive Podcasts
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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Join John Pidgeon β property investor, coach, buyersβ 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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Azaria Bell talks with you about your money! Hosted on Acast. See acast.com/privacy for more information.
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best of 2025: the 5 questions that will transform your career
34:51
34:51
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34:51Feeling 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: ππΎ what you really want ππΏ whatβs stopping β¦
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801 choose your weapon: ETFs, LICs & managed funds (investing principles 6/11)
40:07
40:07
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40:07ETFs, 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. ππΎ why ETF vs managed fund is the wrong starting point ππΏ why most investors use pooled iβ¦
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best of 2025: timeless principles of investing
21:29
21:29
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21:29Some 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 insuranceβ¦
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this is property | property investing: location, equity & growth decisions
37:07
37:07
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37:07Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include: ππΏ investment property choice: Sydney vs. regional? (clip from ep731) ππ» claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740) π pay off my property β¦
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best of 2025: managing a toxic boss, getting promoted & feeling stuck at work
23:18
23:18
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23:18Got 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 Shelleyβs business, Boldside: https://www.boldside.com.au/ Shell & Glenβs book 'Sort Your Career Out & β¦
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747 what's an index and why should you care (investing principles 5/11)
34:40
34:40
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34:40In this episode Vince Scully breaks down how market indexes were created, how theyβre constructed and how to use them effectively as an investor. He covers: ππΎ why indexes exist and what problem they solved ππΏ how the s&p 500 actually works ππ» the origins of major global indexes π price indexes vs accumulation indexes ππΌ index funds and the rise ofβ¦
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551 the 10 lessons I've learned in 2025 - Merry Christmas and Happy New Year!
12:51
12:51
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12:51In 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? β¦
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750 from first home to five properties: Chris's investing journey
28:02
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28:02In 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: ππ» buying with an investor mindset from day one π how picking locations he knew shaped his strategy ππΌ how he managed serviceability as a single buyer and as the portfolβ¦
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750 how to talk about pay, benefits & your value at work (with Matt McFarlane)
51:27
51:27
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51:27Talking 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 whatβs 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 dolβ¦
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746 building the ideal portfolio (investing principles 4/11)
52:43
52:43
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52:43In 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: ππΎ actively managed vs index funds ππΏ allocating across countries, sectors and company size ππ» why global market weights donβt equal good portfoliβ¦
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749 investing in regional NSW: Tamworth, Orange & Dubbo
47:49
47:49
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47:49Investor activity is surging in regional New South Wales, and buyerβs agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about: ππΎ how regional markets differ from capital cities π investor profiles that Marcus works with ππ» areas that Marcus buys in and why ππ½ Tamworth deep dive - blue chip aβ¦
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550 are non concessional contributions worth it?
17:02
17:02
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17:02In this episode Dev unpacks: ππΎ what is a non concessional contribution ππΏ the bring forward rule ππ» what happens if you breach the $120k cap π pros and cons of making non concessional contributions ππΌ downsizer contributions ππ½ the Government co-contribution ππΎ what Dev does Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Sβ¦
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749 the 25 work & life lessons we learned in 2025 (with Dr Amantha Imber)
59:44
59:44
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59:44As 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: ππΌ energy, focus & what really drives performance ππΎ boundaries, rest & staying out of burnout π confidence, self-belief & playing bigger ππΏ navigating discomfort,β¦
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745 understanding & embracing risk (investing principles 3/11)
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/@thisisinβ¦
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549 mental health in medicine: what doctors donβt talk about (with Dr Ava)
1:04:35
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 arenβt 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: ππ½ wβ¦
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748 APRAβs 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: APRAβs new lending cap coming february 2026, NSW & VICβs town-centre zoning reforms and the national rollout of the 2% shared-equity scheme. ππΎ what APRAβs DTI cap actually is and who it affects ππΏ what's causing prices to continue going upward ππ» tips for investors amidst β¦
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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: ππΌ mindset shifts ππΎ navigating fear, discomfort & embarrassment ππ½ what actually holds people back in their careers π confidence & self-belief ππΏ leadership realities most people donβt talk about ππ½ practical ways to shoβ¦
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744 the 5 B's to investing + why invest in gold (investing principles 2/11)
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 Faceboβ¦
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743 introducing a new host! + inflation, returns & your investing why (investing principles 1/11)
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.moβ¦
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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: ππ» cap or no caps π CPI indexed amounts or not ππΌ 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 htβ¦
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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: π the early money habits he established after reading The Barefoot Investor at 15 ππΌ his saving and investing journey and how he saveβ¦
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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: ππ» how do you show up with personality and still be seen as professional? π is it okay to quit a job without a plan? ππΎ how to rebuild credibility and trust after making a mistake at work ππΏ how do you manage up when your boss isnβt great at communiβ¦
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746 is it too late to buy? BA red flags, Victoriaβs hot market + more
41:04
41:04
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41:04John and Rachelle answer your questions! π renovate home or buy an investment first? ππΌ what type of valuation should I get? ππ½ what to ask a buyers agent before you commit ππΎ is it a good idea to buy an investment property with cash? ππΏ best structure to buy a working farm ππ» have I missed the boat to buy my first IP? π whatβs happening in Melbourβ¦
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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: ππΎ ETFs vs managed funds ππΏ knowing your investor policy ππ» what is your performance objective? π what does the ETF hold? ππΌ ETF structure ππ½ liquiditβ¦
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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: ππΎ communicating with clarity ππΏ managing distractions for you and your team ππ» why discipline beats desire π the power of 1:1s ππΌ managing talented jerks, energy vampires & personality hires ππ½ the power of awkward honesty ππΎ what does vulnerability mean Connect with Rohan on Linβ¦
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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: ππΎ what is an annuity and how can you buy one ? ππΏ lifetime vs fixed annuities ππ½ returns ππ» how does it affect the aged pension π pros and cons ππΌ how are annuities taxed ππ½ what happens if the anβ¦
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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, UBankβs 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. ππ» Macquarie bank pulls out of trust and company lending π Ubank offers 90% loans with no LMI ππΌ discussing feedback oβ¦
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745 how to prepare for the future of work with futurist Steph Clarke
45:14
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 βfuture-proofβ your career. ππΎ why future-proofing your career is a myth + what to do instead ππΏ spotting signals ofβ¦
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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: ππΎ what Microburbs actually does & who it's for ππ» the most influential data point for choosing a location ππΌ the post-covid shift to regions & satellite ciβ¦
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In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through: ππΎ the 50/30/20 budget ππΏ cash stuffing / envelope system ππ» zero based budget π pay yourself first budget ππΌ the no budget budget ππ½ and Dev's personal budget strategy Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need aβ¦
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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. ππΎ Stephβs interest in studying friendship and starting How to Friend ππΏ can you be friends with the boss? ππ» perceptioβ¦
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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: ππΎ assessing their risk profiles and money mindset β¦
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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: ππ» living and working in a tight-knit town π boundaries with neighbours and patients ππΌ isolation, guβ¦
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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: π facing stuckness and high anxiety in her career before starting Boldside ππΏ quitting her job with nothing to go to ππΌ saying yβ¦
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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, βMegβ 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: π buying her first place at 22 on the Gold Coast ππΌ leveraging equity to buy again in Perth and the Central Coast (instead of saving cash) ππΎ managing risk, buffers and β¦
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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: ππ½ why James chose rural over metro π the Deanβs Rural List & training pathway ππΎ what a βrural geneβ¦
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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: ππΌ high personal responsibility ππΎ harnessing ego without β¦
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In todayβs episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He covers: ππΎ what is income? ππΏ what is wealth & what does quiet wealth mean? ππ» habit 1 - building relationships π habit 2 - understanding the difference between income and wealth ππΌ habit 3 - playing the long game πβ¦
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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: ππ» their individual risk appetites π why they've chosen to keep things separate ππΌ getting a BFA (binding financial agreement) ππΏ the properties they have between them ππ½ how they navigate shared expenses ππΎ planning for rβ¦
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Shell and Em Bowen are back with more underrated career skills and this time they're talking about: ππ» emailing like you speak π being hard to offend ππΌ being able to communicate tough messages without being offensive ππ½ showing your working ππΏ and owning your strengths Connect with Em on LinkedIn: https://www.linkedin.com/in/emilybowen26 If you leβ¦
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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: π what makes a successful investor ππΏ invest inside or outside of retirement? ππΌ pay down mortgage or invest? ππ½ the biggest barrier stopping people investing ππΎ do you have to be smart to be good with money? ππΏ Simβs definition of succeβ¦
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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: ππΎ how Telecare began and the early challenges ππΌ how the pandemic accelerated growth and demand ππΏ what the business model looks like today π managing full-time work while runninβ¦
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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: ππΎ using redraw from your investment loan to buy ETFs ππΏ how to document and reset the 6-year CGT rule ππ» claiming travel, tools & repairs for interstate properties π repairs vs improvements - whatββ¦
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Itβs 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: ππ½ seeing beyond yourself and thinking like the team ππΎ asking great questions and getting curious ππ» knowing when 90% is good enough π building grit and graβ¦
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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: ππΎ competing with your work bestie for a role ππΏ going from being someone's coworker to their manager ππ» and avoiding perceptions of favouritism Win a seat at the People & Culture Unconference. Enter here: https://biβ¦
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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: ππΎ Nickβs $180k income target in Spain ππΌ hatβs truly passive vs whatβs really another job ππΏ options trading π fixing your life before chasing passive income ππ» dividends, REITs & business development companies explained ππΎ bitcoin yield ETFs Learn to be a better inβ¦
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539 Kabhirβs 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 heβs building a life and career in Australia as an international medical graduate (IMG), touching on: ππΎ integrating into Aussie culture and language π balancing ED shifts with general practice ππΏ the reality of GP income vs hospital perks ππ» navigating permanent residency and citizenship β¦
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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 buyerβs agent Kimberley Gelhar who specialises in regional Victoria. They discuss: ππ» a day in the life of a buyer's agent π why invest in regional VIC? ππΌ Geelong snapshot ππ½ VIC land tax ππΎ Shepparton snapshot & $420k buyer case study ππΏ Bendigo snapshot ππ» Bendβ¦
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