Dev Raga Personal Finance

In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax.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.

There'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:👉🏾 ETFs vs managed funds👉🏿 knowing your investor policy👉🏻 what is your performance objective?👉 what does the ETF hold?👉🏼 ETF structure👉🏽 liquidity👉🏾 costs & fees👉🏿 who is ETF issuer?👉🏻 net asset value👉 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.

In 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:👉🏾 what is an annuity and how can you buy one ?👉🏿 lifetime vs fixed annuities👉🏽 returns👉🏻 how does it affect the aged pension👉 pros and cons👉🏼 how are annuities taxed👉🏽 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.

In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through:👉🏾 the 50/30/20 budget 👉🏿 cash stuffing / envelope system👉🏻 zero based budget👉 pay yourself first budget👉🏼 the no budget budget👉🏽 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.

Continuing on from last week's episode, Dev and Dr James* go deeper discussing boundaries in small communities, navigating burnout, and how rural doctors approach money, cost of living and investing while working in isolated areas. They chat about:👉🏻 living and working in a tight-knit town👉 boundaries with neighbours and patients👉🏼 isolation, guilt and burnout risks👉🏾 cost of living & lifestyle differences👉🏽 workforce incentives and income realities👉🏿 how James invests and builds wealth long-term*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.

In today's episode Dev chats with rural GP Dr James* about why he chose to build his career outside the city. They explore the training pathway, the realities of rural medicine and the unique pros and cons of life as a country doctor. They touch on:👉🏽 why James chose rural over metro👉 the Dean’s Rural List & training pathway👉🏾 what a “rural generalist” actually is👉🏿 biggest clinical challenges in remote settings👉🏻 why patients can be more appreciative👉🏼 pros, cons and common misconceptions*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.

In today’s episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He covers:👉🏾 what is income? 👉🏿 what is wealth & what does quiet wealth mean?👉🏻 habit 1 - building relationships👉 habit 2 - understanding the difference between income and wealth👉🏼 habit 3 - playing the long game👉🏽 habit 4 - avoiding lifestyle creep👉🏾 habit 5 - consuming quality information👉🏿 habit 6 - valuing boring and repetitive👉🏻 habit 7 - understanding risk & rewardDev 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 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 running a startup👉🏻 how they scaled and built a strong team👉🏾 what it took to sell the business👉🏿 what’s next for Dr Chris Sia and the Telecare teamDev 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 today's episode Dev unpacks private lending, touching on:👉🏾 what it is and how it works👉🏿 how big is the market?👉🏻 reasons why someone might borrow using private credit👉 it's benefits👉🏼 it's risks👉🏽 different types of private credit👉🏾 and how people can get access to itDev 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.