Best Dev Raga Podcasts (2025)

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541 Telecare: starting, scaling and selling a health tech company (with Dr Chris Sia) 1:04:52

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1d ago1:04:52

1:04:52

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…

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Buying own business premises (SMSF GP practice), with Annalyse Crane 48:58

8d ago48:58

48:58

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…

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540 what is private credit? 14:27

9d ago14:27

14:27

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539 Kabhir’s IMG journey: settling in, GP life, buying a home + money tips (part 2) 39:02

16d ago39:02

39:02

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 …

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From PE teacher to GP, with Annalyse Crane 45:31

24d ago45:31

45:31

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…

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538 Kabhir’s IMG journey: medical training in Pakistan & starting out in Australia (part 1) 56:46

25d ago56:46

56:46

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…

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537 what is lifestyle creep and how to manage it 11:40

1M ago11:40

11:40

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…

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Property development or not? with Scott Yip, Mortgage broker 55:08

1M ago55:08

55:08

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…

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536 JL Collins on market crashes, asset allocation & legacy wealth (part 2) 45:59

1M ago45:59

45:59

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…

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535 JL Collins on debt, housing myths & why simplicity wins (part 1) 54:53

2M ago54:53

54:53

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 …

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The downsides of property investing 17:12

2M ago17:12

17:12

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…

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534 what is depreciation? 15:36

2M ago15:36

15:36

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…

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533 concessional contributions are maxed, div 296 tax + how much do I need to retire with Vince Scully (part 2) 49:36

2M ago49:36

49:36

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…

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532 invest vs pay mortgage, borrowing for cars, pay off or leave HELP debt + more with Vince Scully (part 1) 37:35

2M ago37:35

37:35

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…

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531 what is capital gains tax? 26:38

2M ago26:38

26:38

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…

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Setting goals for new financial year 20:12

3M ago20:12

20:12

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…

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530 what is opportunity cost? 16:46

3M ago16:46

16:46

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…

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Dev Raga personal story (Frugality, surgery to GP, net worth target) 1:18:28

3M ago1:18:28

1:18:28

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…

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529 the 5 fundamental rules every smart investor follows 12:10

3M ago12:10

12:10

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? …

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528 Stockholm syndrome in investing 14:20

3M ago14:20

14:20

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…

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Dr Gihan- Happiness, personal growth, and Coach for lifestyle medicine 48:11

4M ago48:11

48:11

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…

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527 lessons from 50 years of investing (with a retired GP!) 56:47

4M ago56:47

56:47

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…

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526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more 40:49

4M ago40:49

40:49

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…

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6 properties in under 3 years (Johnson Lin) 48:08

4M ago48:08

48:08

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…

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525 what is strategic asset allocation (SAA)? 15:42

4M ago15:42

15:42

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…

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524 superannuation changes coming July 2025 30:58

4M ago30:58

30:58

In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers: 👉🏾 carry forward contributions 👉🏿 minimum pension drawdown 👉🏻 superannuation guarantee increase to 12% 👉 transfer balance cap 👉🏼 defined benefit income caps Related episodes: 231 superannuation part 1 - Apple | Spotify 232 superannuation …

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Both patient and doctor (leading to special interest in allergies), Dr Jason Yu 1:02:33

5M ago1:02:33

1:02:33

In this chat with Dr Jason Yu, we discuss money story, journey through junior doctor years, and becoming a GP with special interest in alleriges. •choosing a business partner •money backstory-humble beginnings, parents working a stall at Haymarket in Sydney •inefficiencies in the hospital system •own allergies health story •being a patient making y…

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523 tax tips to maximise EOFY savings 26:51

5M ago26:51

26:51

In this episode Dev covers some basic last minute tax tips for individuals and businesses before financial year 2025 comes to a close! He touches on: 👉🏽 prepaying interest and expenses 👉🏼 offsetting capital gains with capital losses 👉🏿 personal super contributions 👉🏻 the $20k instant asset write-off for business owners 👉🏾 the $500 co-contribution s…

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522 Stockspot super deep dive (with CEO Chris Brycki) 50:01

5M ago50:01

50:01

In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They unpack how it compares to traditional super funds, why it's built around ETFs, and how it handles fees, risk, insurance, and tax efficiency. The chat touches on: 👉🏾 why Stockspot launched a super product 👉🏿 how S…

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Secrets to weight loss (Low carb clinic, Dr Avi Charlton) 1:09:21

5M ago1:09:21

1:09:21

Today we have a special Guest- Dr Avi Charlton, GP and founder of Melbourne Low Carb Clinic. Graduated From Melbourne Uni 2000, GP since 2003. She has done extensive education with Low Carb Down Under and Nutrition Network. She has done additional training with The Australasian College of Nutrition and Environmental Medicine (ACNEM). Also recently …

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521 risk, return and volatility 16:00

5M ago16:00

16:00

In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers: 👉🏿 how to figure out your personal risk tolerance 👉🏻 why chasing high returns usually means more risk 👉 what volatility actually means (and why it’s normal) 👉🏼 what is the efficient frontier 👉🏽 how diversification helps manage risk 👉🏾 the impact of …

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520 what is the div 296 tax? 25:38

5M ago25:38

25:38

Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation which will impact super balances of $3 million and above. He touches on: 👉🏾 superannuation concepts 👉🏿 the function of super 👉🏻 what is the div 296 tax? 👉 who will it impact 👉🏼 any exceptions or speci…

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How to get into medical school Australia (with Dr Jason Yu) 59:15

5M ago59:15

59:15

Today we interview Dr Jason Yu, GP and Co-Founder of MissionMed, which provides UCAT and medicine interview training. •why chose medicine (and personal story) •undergraduate vs graduate medicine •medicine entry getting more competitive •journey into med school, his UMAT/UCAT score, how failed first time interview •what is working as a doctor really…

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519 what is a listed investment company (LIC)? 16:38

6M ago16:38

16:38

In today's episode Dev explains what a listed investment company is and how it works. He covers: 👉🏾 the investment options 👉🏿 management and fees 👉🏻 the difference between LICs and LITs 👉 examples of LICs 👉🏼 and their pros and cons Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out…

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518 investment bonds (with Generation Life CEO, Felipe Araujo) 50:50

6M ago50:50

50:50

In today's episode, Dev sits down with Felipe Araujo, CEO of Generation Life, to unpack everything you need to know about investment bonds. They cover: 👉🏽 what investment bonds are and how they work 👉🏼 who investment bonds are most suited to 👉🏿 tax benefits compared to investing outside a bond 👉🏻 how asset protection and estate planning features wo…

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How a couple built a 40 property portfolio in Australia 1:32:41

6M ago1:32:41

1:32:41

Han and AIlinh, from running optometry business to now buyers agents. Humble beginnings, working locum jobs, and growing to 40+ property portfolio. •day-to-day juggling tasks, getting great deals •growing up in South Western Sydney, saving way to first deposit •how mentor helped avoid Off the plan disaster •riding the 2004-2007 Perth wave, doubling…

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517 why this American doctor left it all behind for Australia: Dr Carmen's story 1:06:22

6M ago1:06:22

1:06:22

In this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start a new life and career in Australia and New Zealand. They dive into Carmen’s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not ju…

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516 types of debt & what is debt recycling 24:42

6M ago24:42

24:42

Let's talk about debt! Dev covers: 👉🏿 what is debt? 👉🏻 deductible vs non deductible debt 👉 what is debt recycling 👉🏼 the pros and cons of debt recycling 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? He…

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How Doctors can pass exams and interviews (Gail Carmody, RN and Coach) 1:04:37

6M ago1:04:37

1:04:37

Gail Carmody helps doctors and healthcare workers pass high stake exams and job interviews. From early days working as a nurse at St Vincent's in Sydney, to Director of Nursing, CEO and then Business Development Manager roles in the private healthcare sector in multiple countries- New Zealand, Singapore, Malaysia, Indonesia, UAE. What are the diffe…

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515 what is a doom loop? 17:14

6M ago17:14

17:14

In today's episode Dev unpacks the concept of a doom loop, touching on: 👉🏿 what it is and how it works 👉🏻 what is a flywheel effect? 👉 the main causes 👉🏼 and how to break the doom loop 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 rev…

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514 dentistry, insights into practice ownership & building wealth: Vanessa’s story 39:32

7M ago39:32

39:32

In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for pri…

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Doctors pay too much tax? (remember the big picture, with Munzural Khan) 38:22

7M ago38:22

38:22

Munzural Khan, accountant, and founder of KHI Partners, sits down in a behind-the scenes interview. He shares his philosophy of service in his business, also property journey to a sizeable portfolio, and finishes with a case study on a high-earning doctor who felt was paying too much tax! •helping new doctors, all the way to multi-centre clinic own…

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513 will the 4% rule actually work for your retirement? 17:21

7M ago17:21

17:21

The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it falls short, and how you can tweak it for a more secure future. He dives into: 👉🏻 why the 4% rule was created and if it still works today 👉 how market downturns and fees can derail your retirement 👉🏼…

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512 lessons from a junior doctor: saving, investing & buying a home 48:52

7M ago48:52

48:52

Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journey through private medical school, navigating doctor-friendly home loans, and the investing strategy that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touche…

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Doctor Salary Australia | Which specialty earns the most? 17:59

7M ago17:59

17:59

We revisit this hot topic-How much do doctors in Australia actually make? And is there a pay gap between the states? (NSW, Queensland, Victoria, South Australia, ACT, NT, Western Australia, Tasmania) Which are the high paying specialties? Finally, we explore the pathways for IMG doctors to work in Australia. Resources/links: MABEL study on GP and s…

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511 timeless principles of investing 20:59

7M ago20:59

20:59

Some investing strategies come and go, but the best ones stand the test of time. In today's episode Dev shares 5 timeless investing principles to help you build lasting wealth, including: 👉🏾 having a clear financial plan 👉🏿 why diversification is key 👉🏻 minimising your investment costs 👉 having a long-term perspective 👉🏼 and knowing when to stop pl…

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510 from divorce to financial freedom: Sarah’s story 45:59

8M ago45:59

45:59

Today's episode is a special one as Dev sits down with Sarah*, a GP who shares her deeply personal and inspiring journey with money. Sarah shares how an arranged marriage ended in divorce and how she rebuilt financial freedom for herself and her children. *Name has been changed for privacy. Sarah's story touches on: 👉🏾 her med school journey in the…

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GP to Weight loss entrepreneur (Dr Angela, Enlighten Me) 47:13

8M ago47:13

47:13

In this episode, we have a behind the scenes chat with Dr Angela Kwong- GP and founder of Enlighten Me-a doctor designed meal replacement shake for weight loss. Not only do we discuss the weight loss industry in Australia, but also Angela's journey in medicine and also investing. Migrant background, working hard, investing with her first paycheck, …

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509 the two income trap: why earning more isn’t always better 16:04

8M ago16:04

16:04

More income, more security...right? Not always. In this episode, Dev unpacks the "two-income trap," a concept made famous by Elizabeth Warren, and why earning more doesn’t always mean financial freedom. He touches on: 👉🏾 what the two-income trap is and why it matters 👉🏿 how rising fixed costs (housing, childcare) eat away at extra income 👉🏻 why dua…

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508 the psychology of retirement (with Prof. Joanne Earl) 45:14

8M ago45:14

45:14

One of the questions that commonly gets asked from doctors and other professionals is how to plan for retirement, as many struggle to settle into retirement after working for 30+ years. In today's episode, Dev chats with Joanne Earl, Professor of Psychology at Macquarie University. They touch on: 👉🏾 the 6 buckets to focus on in your transition to r…