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Dev Raga Personal Finance
549 mental health in medicine: what doctors donโt talk about (with Dr Ava)
In 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 arenโt immune to burnout, depression or family violence, how stigma keeps people silent and the real financial fallout when your health crashes.ย The episode touches on:
๐๐ฝ why mental health issues show up so strongly in medicine
๐๐พ the signs colleagues should look out for
๐๐ฟ burnout, irritability, sick leave patterns & early intervention
๐๐ป APRA, impairment, and what actually triggers a notification
๐ how mental health impacts your income, shifts, and financial stability
๐๐ผ the reality of family violence among healthcare workers
๐๐ฝ financial abuse, safety planning & navigating the legal system
๐๐พ the role of GPs, EAP, and finding proper support
๐๐ฟ resources available for doctors and healthcare workers
Mental health and family violence support services: https://www.moneypodcast.com.au/s/Mental-health-support-services-for-health-professionals.pdf
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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best of 2025: how to maximise pay day
44:19||Season 6In this episode Dev unpacks 8 essential habits and strategies to help you achieve financial stability and long-term success.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.
best of 2025: timeless principles of investing
21:29||Season 5Some 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.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
551 the 10 lessons I've learned in 2025 - Merry Christmas and Happy New Year!
12:51||Season 5In 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.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
550 are non concessional contributions worth it?
17:02||Season 5In this episode Dev unpacks:๐๐พ what is a non concessional contribution๐๐ฟ the bring forward rule๐๐ป what happens if you breach the $120k cap๐ pros and cons of making non concessional contributions๐๐ผ downsizer contributions๐๐ฝ the Government co-contribution๐๐พ what Dev doesDev 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.
548 unpacking the changes to div 296 with Vince Scully
43:35||Season 5In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax, touching on:๐๐ป cap or no caps๐ CPI indexed amounts or not๐๐ผ and what marginal tax rates people will pay for balances higher than $2MDev 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.
547 how to pick an ETF
15:38||Season 5There'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:๐๐พ ETFs vs managed funds๐๐ฟ knowing your investor policy๐๐ป what is your performance objective?๐ what does the ETF hold?๐๐ผ ETF structure๐๐ฝ liquidity๐๐พ costs & fees๐๐ฟ who is ETF issuer?๐๐ป net asset value๐ currency hedgingDev 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.
546 what is an annuity?
56:12||Season 5In 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:๐๐พ what is an annuity and how can you buy one ?๐๐ฟ lifetime vs fixed annuities๐๐ฝ returns๐๐ป how does it affect the aged pension๐ pros and cons๐๐ผ how are annuities taxed๐๐ฝ what happens if the annuity providers go bankruptDev 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.
545 budgeting types explained
17:03||Season 5In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through:๐๐พ the 50/30/20 budgetย ๐๐ฟ cash stuffing / envelope system๐๐ป zero based budget๐ pay yourself first budget๐๐ผ the no budget budget๐๐ฝ and Dev's personal budget strategyDev 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.