Dev Raga Personal Finance

ตอน

• 621 the downsides to being wealthy 02.06.2026 18นาที

  Having lots of money has it's advantages, but it can also come with added challenges. In today's episode Dev unpacks these, touching on:👉🏾 trust and relationship issues👉🏿 family issues👉🏻 suspicion👉 lack of privacy👉🏼 rising stress👉🏽 social isolation👉🏾 judgement and pressure👉🏿 personal risk👉🏻 achievements become devalued👉 morality👉🏼 raising children👉🏽 his final thoughtsDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 620 index funds with Vince Scully from Life Sherpa Invest 26.05.2026 47นาที

  In this episode Dev & Vince Scully, Portfolio Manager at Life Sherpa Invest dig into what most index fund podcasts don't tell you, that the index you pick matters just as much as the decision to invest in one. They touch on:👉 the current interest rate environment👉🏾 why index investing isn't truly passive👉🏿 the ASX 200 is basically banks and miners, your "diversified" fund might not be👉🏻 small cap and micro cap funds can massively outperform big indexes but fees are higher👉🏽 why asset allocation is so important to your strategy👉🏼 the market charts you see online don't include dividendsConnect with Vince or learn more about Life Sherpa Invest at: https://lifesherpa.com.au/investDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 619 CGT, negative gearing changes & first home buyers with Rach Kroon (this is property) 19.05.2026 44นาที

  Rachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoHThe 2026 federal budget landed with major changes for property investors and first home buyers. Rachelle Kroon from Sphere Home Loans joins Dev to unpack what it all means, touching on:👉🏾 capital gains tax👉🏿 negative gearing👉🏻 how grandfathering will work👉first home buyer schemes and grants👉🏼 parental guarantee vs the Government guarantee risks & considerationsDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 618 there's more to life than money: global health, charity work & why giving back matters 12.05.2026 38นาที

  What does a fulfilling medical career look like beyond the income? Dev sits down with Dr Jono, an emergency physician, point-of-care ultrasound specialist and co-founder of Tambe Global to explore why giving back might be one of the most valuable investments you make as a clinician. They touch on:👉🏾 career opportunities in emergency medicine👉🏿 Jono's path into global health, starting the PEARLS program & establishing a charity organisation👉🏻 pros & cons of charity work for doctors👉 the practicalities of doing overseas charity work: getting the right visa, taking leave, indemnity insurance👉🏼 what opportunities exist for doctors?👉🏽 navigating the emotional impact of high stakes workLearn more about Jono's work below:https://www.tambeglobal.org/www.youtube.com/@PEARLS_POCUSwww.twitter.com/PEARLS_POCUSResearch paper: https://onlinelibrary.wiley.com/doi/10.1002/ajum.70014Dev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 617 what is a Transition To Retirement income stream? (TTR) 05.05.2026 17นาที

  In this episode Dev explains how people approaching retirement can access their super while still working. He touches on:👉🏾 what is a transition to retirement pension is and how to make use of it👉🏿 what is preservation age and how is calculated👉🏻 when can you use a TTR?👉 why was it created?👉🏼 how does tax work with a TTR👉🏽 the pros and consRelated episodes: 🎧 612 what is the super recontribution 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 616 MLMs vs Pyramid Schemes 28.04.2026 11นาที

  In today’s episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on:👉🏾 what is MLM and how does it work👉🏼 how much do most MLM participants actually make👉🏿 what is a Pyramid Scheme and why are they illegal👉🏻 real examples of legitimate MLMs👉 is joining an MLM actually worth it?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.auAny 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 Hosted on Acast. See acast.com/privacy for more information.
• 615 the business mechanics of GP practice ownership 21.04.2026 1ชม. 12นาที

  In today's episode, Casey Going from Going Medical Group joins Dev to share about the ins and outs of buying and running his rural hometown GP practice. Casey touches on:👉🏼 how the opportunity came up👉🏽 operating a large practice👉🏾 training & accreditation for registrars👉🏿 key considerations for buying a practice👉🏻 billing structure, profitability and operating costs👉 what's included when you buy a practice👉🏼 funding the purchase👉🏽 recruiting and retaining GPs👉🏾 incentives for rural practices👉🏿 exit strategies for practice ownersConnect with Casey: casey.going@mbspro.com.auRACGP Practice Ownership Conference: https://practiceownersconference.com.au/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.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 Hosted on Acast. See acast.com/privacy for more information.
• 614 what is a family office? 14.04.2026 21นาที

  In this episode Dev explains the concept of a family office. He covers:👉🏽 what is net worth and how is it calculated👉🏾 what is an ultra-high net worth individual?👉🏿 what is a family office and how does one work?👉🏻 types of family offices: single, multi and virtual👉 responsibilities of a family office👉🏼 pros & cons of having one👉🏽 what is an embedded family office?🎧 Listen: how does war & global conflict affect investment markets?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.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 Hosted on Acast. See acast.com/privacy for more information.
• 613 the 8-4-3 rule of compounding 07.04.2026 14นาที

  In this episode Dev explains the basics of compounding and why it pays to invest as early as possible. He touches on:👉🏾 what is compounding and compound interest vs simple interest👉🏿 what is 8-4-3 rule?👉 why waiting to invest is a risk👉🏻 practical examplesDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 612 what is the super recontribution strategy 31.03.2026 20นาที

  In this episode Dev explains how the super recontribution strategy works for those in retirement, touching on:👉🏾 super contributions 👉🏿 what happens to your super after death and who gets taxed👉🏻 taxed vs untaxed components in super👉 how to prevent death taxes in super👉🏽 who the strategy might suit👉🏼 considerations before using the strategyRelated episodes 🎧550 are non concessional contributions worth it?609 super in retirement with Martin McGrath from Retire Right610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire RightDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 611 from Canada to Australia: a doctor’s career and money journey 24.03.2026 55นาที

  In this episode we talk to Matt*, an Australian doctor who migrated from Canada about the similarities & differences of the Canadian vs Australian health care system. We discuss:👉 training requirements👉🏻 income👉🏼 private vs public health care system👉🏾 indemnity👉🏿 transferring medical skills between countries👉 working rurally, any benefits?👉🏼 Matt's money journey and tips for listeners👉🏻 the retirement system in Canada*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.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 Hosted on Acast. See acast.com/privacy for more information.
• 610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire Right 17.03.2026 32นาที

  In today's episode Dev is joined by retirement adviser Martin McGrath again to unpack:👉🏾 a high net worth couple with assets inside & outside of super retirement case study👉🏿 maxing out concessional contributions vs investing outside of super during accumulation👉🏻 common retirement mistakes Martin sees as an adviserDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 609 super in retirement with Martin McGrath from Retire Right 10.03.2026 38นาที

  In today's episode Dev is joined by retirement adviser and host of Retire Right, Martin McGrath to unpack how super works in retirement. He covers:👉🏾 what is pension phase and how does it work?👉🏿 when can you access your super👉🏻 tax in super - money in accumulation vs pension phase👉 what is a transition to retirement (TTR) and how does it work👉🏾 the transfer balance cap explained👉🏼 div 296 - who does it affect and and how does it workFor more on retirement check out Retire Right on Youtube or wherever you listen to podcasts. 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 608 what is gearing? 03.03.2026 13นาที

  In this episode Dev explains the concept of gearing in personal finance. He covers:👉🏾 the difference between gearing and leverage👉🏿 how gearing plays into credit worthiness👉🏻 debt to equity ratio and what it means👉 worked examples of gearingDev 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.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 Hosted on Acast. See acast.com/privacy for more information.
• 607 from broke to $800k per annum in 5 years 24.02.2026 50นาที

  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.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 Hosted on Acast. See acast.com/privacy for more information.
• 606 what is private equity? 17.02.2026 15นาที

  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.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 Hosted on Acast. See acast.com/privacy for more information.
• 605 what is the J curve? 10.02.2026 9นาที

  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.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 Hosted on Acast. See acast.com/privacy for more information.
• 604 how does war & global conflict affect investment markets? 03.02.2026 18นาที

  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.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 Hosted on Acast. See acast.com/privacy for more information.
• 603 TPD insurance is changing: what you need to know with Phil Thompson 27.01.2026 46นาที

  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.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 Hosted on Acast. See acast.com/privacy for more information.
• 602 mortgage check-ins, medical lending, building pitfalls, offset vs redraw + more 20.01.2026 45นาที

  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.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 Hosted on Acast. See acast.com/privacy for more information.