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Dev Raga Personal Finance
538 Kabhir’s IMG journey: medical training in Pakistan & starting out in Australia (part 1)
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, pay and lifestyle between Pakistan and Australia
👉 managed the “downgrade” from registrar at home to starting over here
*Name changed for privacy
Health Workforce Locator: https://www.health.gov.au/resources/apps-and-tools/health-workforce-locator/app
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
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632 what is dividend investing?
22:24||Season 6In today’s episode Dev explains dividend investing, touching on:👉🏾 the difference between a dividend vs distribution👉🏿 what is dividend yield?👉🏻 tax on dividends and how franking credits works👉the pros and cons of dividend investing👉🏼Dev's thoughts on dividend investingDev 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.
631 why do you fly economy when you don't have to?
45:03||Season 6In this episode Dev is joined by Gagan Gupta, airline points strategist and Founder of Turn Left For Less (TLFL) which helps business owners and entrepreneurs convert their everyday business and personal spending into Business and First Class travel for less than the retail fare. Gagan touches on:👉 why businesses accumulate points a lot faster and how to maximise them👉🏽 why your power bill might already be earning you more than you think👉🏻 how a family of 4 flew Singapore Airlines business class to India for $600 cash👉🏾 what's not worth spending your airlines points on👉🏿 how to points stackPay.com.au link as discussed in the podcast: https://pay.com.au/turnleftforlessWhere you can connect with Gagan:https://www.tiktok.com/@turnleftforless747https://www.youtube.com/@turnleftforlesslanding.turnleftforless.comDev 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.
630 invest or pay off debt - what is the F2 rule?
15:51||Season 6Is it better to pay off your mortgage or invest the money instead? In today’s episode Dev explains:👉🏾 invest or pay off debt? the mathematical solution👉🏿 the F2 rule - feelings vs finance👉🏻 behavioural finance👉 the 6% rule👉🏼 real life examples on decision makingDev 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.
629 what is the homo economicus theory?
12:27||Season 6In this episode Dev unpacks:👉🏾 what are the principles of homo economicus👉 real life examples of homo economicus playing out in modern society👉🏿 what is behavioural finance👉🏻 what is neuroeconomicsDev 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.
628 LICs vs ETFs
15:35||Season 6In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers:👉🏾 what is an LIC vs what is an ETF?👉🏿 what is NTA (net tangible assets) vs NAV (net asset value)👉🏻 the pros and cons of each investment structure👉 the similarities and differences👉🏼 Dev's bottom line verdict of which investment structure suits youDev 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.
627 investing for kids
22:33||Season 6In this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on: 👉🏾 the role of parents and parenting👉🏿 learning about tax for minors👉🏻 investing using your offset account👉 trust structures👉🏼 investment bonds👉🏽 and super accounts for kidsDev 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.
626 from the vault: money mistakes by doctors
34:15||Season 6In today’s episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making.Related episodes 🎧117 what is automation?409 money mistakes by doctors part 2Dev 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.
625 from the vault: what is debt recycling?
30:00||Season 6In this episode from season 4, Dev breaks down the concept of debt recycling, touching on:👉🏾 debt👉🏿 deductible vs non-deductible debt👉🏻 debt recycling👉 tax savings👉🏼 advantages of debt recycling👉🏽 disadvantages of debt recycling👉🏾 final things to considerDev 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.
624 personal insurance: DNA, dollars and the 40% premium shock!
50:05||Season 6In this episode Dev is joined by Matt 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 Matt and the Skye Wealth team? Visit https://skye.com.auDev 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.