Dev Raga Personal Finance

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.

In this episode we cover some of the basic things I do every January to kick start the calendar year.👉🏾 review budgets👉🏿 protect my downside risk👉🏻 review debts, interest rates, terms and condition👉 keep investing👉🏼 review all insurances👉🏽 practice giving👉🏾 make goals for the yearPast episodes on budgets:545 budgeting types explained218 budgeting strategiesDev 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 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.

Some 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.

In 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.

In this episode Dev unpacks:👉🏾 what is a non concessional contribution👉🏿 the bring forward rule👉🏻 what happens if you breach the $120k cap👉 pros and cons of making non concessional contributions👉🏼 downsizer contributions👉🏽 the Government co-contribution👉🏾 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.

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 aren’t immune to burnout, depression or family violence, how stigma keeps people silent and the real financial fallout when your health crashes. The episode touches on:👉🏽 why mental health issues show up so strongly in medicine👉🏾 the signs colleagues should look out for👉🏿 burnout, irritability, sick leave patterns & early intervention👉🏻 APRA, impairment, and what actually triggers a notification👉 how mental health impacts your income, shifts, and financial stability👉🏼 the reality of family violence among healthcare workers👉🏽 financial abuse, safety planning & navigating the legal system👉🏾 the role of GPs, EAP, and finding proper support👉🏿 resources available for doctors and healthcare workersMental health and family violence support services: https://www.moneypodcast.com.au/s/Mental-health-support-services-for-health-professionals.pdfDev 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 discuss the newly announced changes to the div 296 tax, touching on:👉🏻 cap or no caps👉 CPI indexed amounts or not👉🏼 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.

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.