Dev Raga Personal Finance

In this episode Dev interviews Hazel* about her life and career as an OBGYN specialist in Adelaide. They chat about:👉🏾 OBGYN as a career👉🏻 the training requirements👉🏿 sub-specialties within OBGYN👉 time spent on call👉🏼 indemnity insurance and litigation risk👉🏾 the costs of running a private practice & gender bias in Medicare rebates👉🏽 Hazel's income👉🏿 how Hazel invests👉🏻 support systems when bad outcomes happen👉 Hazel's money wins & advice for listeners interested in an OBGYN career*Name changed for privacyDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

In this episode Dev explains how private equity works, touching on:👉🏾 what is a private equity firm👉🏿 what is an accredited investor👉🏻 private equity specialities👉 how do you invest in private equity👉🏼 how does it compare to investing in index funds👉🏽 fees and transparency👉🏾 pros, cons and criticismsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

In this episode Dev explains what a J curve is, touching on:👉🏾 how does the J curve help venture capital and private equity investors👉🏿 the stages of a J curve👉🏻 what influences the J curveDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

In this episode Dev discusses the various wars and conflicts across the decades and how they've affected the markets. He also unpacks why this is the case, plus the concepts justice of war vs justice in war.Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

In this episode, Dev is joined by returning guest Phil Thompson, CEO and insurance adviser from Skye Wealth to break down the changes to Total and Permanent Disability (TPD) insurance and why it matters. They talk about:👉🏾 TPD vs trauma insurance👉🏿 why some insurers are making changes to TPD👉🏻 3 new TPD policies being offered by some insurers👉 will more insurers follow suit?👉🏽 how will this affect TPD within super?👉🏼 some of the things to watch out for if considering switchingDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

In this episode Dev is joined by returning guest Rachelle Kroon, founder of Sphere Home Loans for a mortgage and lending chat. They discuss:👉 interest rates in 2026👉🏾 why an annual mortgage review matters👉🏿 common mortgage traps medical professionals fall into👉🏽 why it's important to engage a mortgage broker who specialises in medical lending👉🏻 offset vs redraw and why use each👉 first home buyer schemes like the 5% guarantee vs shared equity👉🏼 how banks locum, sole trader or newly self-employed? how banks really assess income👉🏽 how construction loans work👉 using valuations and equity strategicallyDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.