In this episode Dev is joined by Matthew Warren, specialist insurance adviser at Skye Wealth to unpack:

👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance

👉🏿 can insurers request your full medical history from your GP?

👉🏻 how does this legislation change impact you?

👉 what is TPD aka total and permanent disability cover?

👉🏼 3 types of ways to get insurance - retail, group & direct

👉🏽 the cost of getting insurance inside vs outside of super

👉🏾 the premium rise shock with super funds

👉🏾 how any vs own occupation affects your payout eligibility

👉🏿 how blue collar vs white collar ratings impact your premiums

👉🏻 Matt's personal money win

👉 who helps with getting claims paid out?

Interested in connecting with Matthew and the Skye Wealth team? Visit https://skye.com.au

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Dev chats with return guest and retired GP, Dr Ken McMahon to get his thoughts on:

👉🏾 investing for kids

👉🏿 selecting an accountant & financial adviser

👉🏻 preparing for a retirement lifestyle

👉insurances and self-insuring

👉🏼 lending money to family

👉🏽and if BFAs are worth it

Dev's first interview with Ken: 527 lessons from 50 years of investing (with a retired GP!)

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

Dev is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers:

👉🏾 the cost savings of his first Model 3

👉🏿 the numbers on his second Model 3

👉🏻 does it make sense to buy an EV in 2026?

👉 comparing costs to an ICE car

👉🏽 pros & cons of having an EV

👉🏼Dev's top tips for buying cars

Related episodes:

058 the economics of electric cars!

093 EV cost analysis: 12 months of driving a Tesla

123 EVs: 100,000km Tesla Model 3 update

225 EVs: 150,000km Tesla Model 3 update

324 EVs: 200,000km Tesla Model 3 update

428 economics of EVs: Tesla M3 265,000km - the end!

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

Having lots of money has it's advantages, but it can also come with added challenges. In today's episode Dev unpacks these, touching on:

👉🏾 trust and relationship issues

👉🏿 family issues

👉🏻 suspicion

👉 lack of privacy

👉🏼 rising stress

👉🏽 social isolation

👉🏾 judgement and pressure

👉🏿 personal risk

👉🏻 achievements become devalued

👉 morality

👉🏼 raising children

👉🏽 his final thoughts

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this episode Dev & Vince Scully, Portfolio Manager at Life Sherpa Invest dig into what most index fund podcasts don't tell you, that the index you pick matters just as much as the decision to invest in one. They touch on:

👉 the current interest rate environment

👉🏾 why index investing isn't truly passive

👉🏿 the ASX 200 is basically banks and miners, your "diversified" fund might not be

👉🏻 small cap and micro cap funds can massively outperform big indexes but fees are higher

👉🏽 why asset allocation is so important to your strategy

👉🏼 the market charts you see online don't include dividends

Connect with Vince or learn more about Life Sherpa Invest at: https://lifesherpa.com.au/invest

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoH

The 2026 federal budget landed with major changes for property investors and first home buyers. Rachelle Kroon from Sphere Home Loans joins Dev to unpack what it all means, touching on:

👉🏾 capital gains tax

👉🏿 negative gearing

👉🏻 how grandfathering will work

👉first home buyer schemes and grants

👉🏼 parental guarantee vs the Government guarantee risks & considerations

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

What does a fulfilling medical career look like beyond the income? Dev sits down with Dr Jono, an emergency physician, point-of-care ultrasound specialist and co-founder of Tambe Global to explore why giving back might be one of the most valuable investments you make as a clinician. They touch on:

👉🏾 career opportunities in emergency medicine

👉🏿 Jono's path into global health, starting the PEARLS program & establishing a charity organisation

👉🏻 pros & cons of charity work for doctors

👉 the practicalities of doing overseas charity work: getting the right visa, taking leave, indemnity insurance

👉🏼 what opportunities exist for doctors?

👉🏽 navigating the emotional impact of high stakes work

Learn more about Jono's work below:

https://www.tambeglobal.org/

www.youtube.com/@PEARLS_POCUS

www.twitter.com/PEARLS_POCUS

Research paper: https://onlinelibrary.wiley.com/doi/10.1002/ajum.70014

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this episode Dev explains how people approaching retirement can access their super while still working. He touches on:

👉🏾 what is a transition to retirement pension is and how to make use of it

👉🏿 what is preservation age and how is calculated

👉🏻 when can you use a TTR?

👉 why was it created?

👉🏼 how does tax work with a TTR

👉🏽 the pros and cons

Related episodes: 🎧 612 what is the super recontribution strategy

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In today’s episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on:

👉🏾 what is MLM and how does it work

👉🏼 how much do most MLM participants actually make

👉🏿 what is a Pyramid Scheme and why are they illegal

👉🏻 real examples of legitimate MLMs

👉 is joining an MLM actually worth it?

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? Head to https://skye.com.au

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In today's episode, Casey Going from Going Medical Group joins Dev to share about the ins and outs of buying and running his rural hometown GP practice. Casey touches on:

👉🏼 how the opportunity came up

👉🏽 operating a large practice

👉🏾 training & accreditation for registrars

👉🏿 key considerations for buying a practice

👉🏻 billing structure, profitability and operating costs

👉 what's included when you buy a practice

👉🏼 funding the purchase

👉🏽 recruiting and retaining GPs

👉🏾 incentives for rural practices

👉🏿 exit strategies for practice owners

Connect with Casey: [email protected]

RACGP Practice Ownership Conference: https://practiceownersconference.com.au/

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this episode Dev explains the concept of a family office. He covers:

👉🏽 what is net worth and how is it calculated

👉🏾 what is an ultra-high net worth individual?

👉🏿 what is a family office and how does one work?

👉🏻 types of family offices: single, multi and virtual

👉 responsibilities of a family office

👉🏼 pros & cons of having one

👉🏽 what is an embedded family office?

🎧 Listen: how does war & global conflict affect investment markets?

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? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.