Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.
Formerly named my millennial money professional
Hosted on Acast. See acast.com/privacy for more information.
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.
Formerly named my millennial money professional
Hosted on Acast. See acast.com/privacy for more information.
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.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
Hosted on Acast. See acast.com/privacy for more information.
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.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
Hosted on Acast. See acast.com/privacy for more information.
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.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
Hosted on Acast. See acast.com/privacy for more information.
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 does
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
Hosted on Acast. See acast.com/privacy for more information.
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 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
Hosted on Acast. See acast.com/privacy for more information.
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.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
Hosted on Acast. See acast.com/privacy for more information.
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 hedging
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
Hosted on Acast. See acast.com/privacy for more information.
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 bankrupt
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
Hosted on Acast. See acast.com/privacy for more information.
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 strategy
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
Hosted on Acast. See acast.com/privacy for more information.
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 privacy
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
Hosted on Acast. See acast.com/privacy for more information.
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 privacy
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
Hosted on Acast. See acast.com/privacy for more information.
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 & reward
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
Hosted on Acast. See acast.com/privacy for more information.
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 team
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
Hosted on Acast. See acast.com/privacy for more information.
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 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.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
Hosted on Acast. See acast.com/privacy for more information.
In the second half of this conversation, Kabhir* shares how he’s building a life and career in Australia as an international medical graduate (IMG), touching on:
👉🏾 integrating into Aussie culture and language
👉 balancing ED shifts with general practice
👉🏿 the reality of GP income vs hospital perks
👉🏻 navigating permanent residency and citizenship
👉🏼 buying a first home and smart money tips for IMGs
*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
Hosted on Acast. See acast.com/privacy for more information.
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
Hosted on Acast. See acast.com/privacy for more information.
Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to keep it under control, touching on:
👉🏾 what is lifestyle creep?
👉🏿 what age group does lifestyle creep usually affect more
👉🏻 why is it dangerous?
👉 ways to reduce the risk of lifestyle creep
Related episodes 🎧 530 what is opportunity cost? Apple Podcast | Spotify
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
Hosted on Acast. See acast.com/privacy for more information.
In part 2 of this special 2-part series, Dev continues the conversation with JL Collins - author of The Simple Path to Wealth - digging into the mindset and mechanics of building financial independence that lasts a lifetime. They discuss:
👉🏻 stock series vs the book - which one should you read first?
👉🏽 why market crashes are a gift when you’re building wealth
👉🏿 dividends, buybacks & what makes an asset truly productive
👉 asset allocation, bonds & sequence risk in retirement
👉🏻 ETFs vs mutual funds, does it really matter?
👉🏼 JL’s story of receiving an email from Vanguard founder, Jack Bogle
👉🏽 thoughts on legacy wealth & passing money to the next generation
👉🏿 the famous “F U money” clip & what it really means
Get JL's book, The Simple Path to Wealth (Revised & Expanded 2025 Edition): https://amzn.to/4mB3JlI
JL's website: https://jlcollinsnh.com
JL's famous stock series: https://jlcollinsnh.com/stock-series/
JL's famous google talk: https://www.youtube.com/watch?v=T71ibcZAX3I
JL in the "Playing with Fire" documentary: https://www.youtube.com/watch?v=GTqGEh1IQew
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
Hosted on Acast. See acast.com/privacy for more information.
In this first half of a 2-part conversation, Dev sits down with JL Collins the author of The Simple Path to Wealth to explore his updated edition and the timeless principles of financial independence. JL shares his journey from selling fly swatters at age 8 to shaping one of the most influential voices in FIRE. They talk about:
👉🏾 why living below your means is harder than it looks
👉🏼 the cultural obsession with housing and why your home isn’t an “investment”
👉🏿 JL’s strong views on debt and the dangers of leverage
👉🏻 why index funds outperform active investing for most people
👉 dollar cost averaging - why JL challenges the usual advice
Get JL's book, The Simple Path to Wealth (Revised & Expanded 2025 Edition): https://amzn.to/4mB3JlI
JL's website: https://jlcollinsnh.com
JL's famous stock series: https://jlcollinsnh.com/stock-series/
JL's famous google talk: https://www.youtube.com/watch?v=T71ibcZAX3I
JL in the "Playing with Fire" documentary: https://www.youtube.com/watch?v=GTqGEh1IQew
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
Hosted on Acast. See acast.com/privacy for more information.
In today's episode, Dev explains what depreciation is, how it works and how it can save you on tax, particularly if you own a property or run a business. He covers:
👉🏾 what is depreciation?
👉🏿 types of depreciating assets
👉🏻 why it's so important
👉 concepts within depreciation
👉🏼 the two methods - prime cost & diminishing value
👉🏽 and practical examples using these methods
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
Hosted on Acast. See acast.com/privacy for more information.