In this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start a new life and career in Australia and New Zealand. They dive into Carmen’s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not ju…

Let's talk about debt! Dev covers: 👉🏿 what is debt? 👉🏻 deductible vs non deductible debt 👉 what is debt recycling 👉🏼 the pros and cons of debt recycling We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check out our online courses, books, reso…

In today's episode Dev unpacks the concept of a doom loop, touching on: 👉🏿 what it is and how it works 👉🏻 what is a flywheel effect? 👉 the main causes 👉🏼 and how to break the doom loop We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check out…

In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for pri…

The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it falls short, and how you can tweak it for a more secure future. He dives into: 👉🏻 why the 4% rule was created and if it still works today 👉 how market downturns and fees can derail your retirement 👉🏼…

Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journey through private medical school, navigating doctor-friendly home loans, and the investing strategy that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touche…

Some investing strategies come and go, but the best ones stand the test of time. In today's episode Dev shares 5 timeless investing principles to help you build lasting wealth, including: 👉🏾 having a clear financial plan 👉🏿 why diversification is key 👉🏻 minimising your investment costs 👉 having a long-term perspective 👉🏼 and knowing when to stop pl…

Today's episode is a special one as Dev sits down with Sarah*, a GP who shares her deeply personal and inspiring journey with money. Sarah shares how an arranged marriage ended in divorce and how she rebuilt financial freedom for herself and her children. *Name has been changed for privacy. Sarah's story touches on: 👉🏾 her med school journey in the…

More income, more security...right? Not always. In this episode, Dev unpacks the "two-income trap," a concept made famous by Elizabeth Warren, and why earning more doesn’t always mean financial freedom. He touches on: 👉🏾 what the two-income trap is and why it matters 👉🏿 how rising fixed costs (housing, childcare) eat away at extra income 👉🏻 why dua…

One of the questions that commonly gets asked from doctors and other professionals is how to plan for retirement, as many struggle to settle into retirement after working for 30+ years. In today's episode, Dev chats with Joanne Earl, Professor of Psychology at Macquarie University. They touch on: 👉🏾 the 6 buckets to focus on in your transition to r…

In today's episode, Dev explains the concept called "paradox of thrift". He touches on: 👉🏾 what it is 👉🏿 real world examples such as a recession 👉🏻 the circular flow economic model 👉 Keynesian economics 👉🏼 it's flaws and criticism Related episodes: 🎧 070 recessions and depressions! 📝 Episode transcripts We hate email spam so we don’t create it! Sig…

In today's chat, wills and estates lawyer Marlee Viero from Nest Legal returns to chat with Dev about wills, estate planning, and how to protect your wealth for future generations. They break down common mistakes, digital assets, tax traps, and whether a testamentary trust could be right for you. The episode touches on: 👉🏾 why estate planning is mo…

In today's episode Dev chats with Cam and Trish from Family on Fire, a family proving that FIRE (Financial Independence, Retire Early) isn’t just for singles or couples without kids. They share their unique journey of smashing the mortgage, balancing family life, and building financial independence, all while raising three kids. The interview touch…

In light of America's political climate, let's talk about what tariffs are and why they matter. Dev covers: 👉🏻 how they work 👉 why tariffs are used 👉🏼 their pros and cons 👉🏽 and unintended consequences 📝 Episode transcripts We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info …

In today’s episode Dev explains dividends, touching on: 👉🏾 what are dividends? 👉🏿 cash vs shares 👉🏻 dividends vs distribution 👉 who pays for dividends? 👉🏼 dividend dates 👉🏽 why do companies pay dividends? 👉🏾 how does a dividend affect stock prices? 👉🏿 franking credits 👉🏻 dividends and taxes 👉 dividends and dilution We hate email spam so we don’t cr…

In today’s episode Dev explains essential financial habits and strategies, including setting up an emergency fund, budgeting, and exploring investment options, to help you achieve financial stability and long-term success. touching on: 👉🏿 set up an emergency fund 👉🏻 never borrow money to buy depreciating assets 👉 stick to a budget 👉🏼 maintain a pro…

In today’s episode, Dev explains habits and principles that can lead to financial success and stability, touching on: 👉🏿 protect your downside risk 👉🏻 avoid unnecessary debt 👉 drive an average car 👉🏼 live modestly 👉🏽 exercise regularly 👉🏿 rise early to make the most of the day 👉🏻 diversify your income and investments 👉 set long-term goals to guide …

While we’re on a break, here’s a fan-favourite episode to keep you company In today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on: 👉🏾 savings rate? 👉🏿 property vs shares 👉🏻 financial independence retire early (F.I.R.E) principles 👉 debt and recycling 👉🏼 superannuation 👉🏽 children and financial independence 👉🏾 approach to …

While we’re on a break, here’s a fan-favourite episode to keep you company. We’re bringing back this gem from earlier in the year – enjoy. Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode he focuses on the economics of EVs, and whether it makes sense to purchase…

In today’s episode Dev explains arbitrage, touching on: 👉🏾 what is arbitrage? 👉🏿 what is an efficient market hypothesis? 👉🏻 what is arbitrage pricing theory? 👉 the various types of arbitrage? 👉🏼 some specifics of arbitrage? Related episodes 🎧 👇 026 what is arbitrage? We hate email spam so we don’t create it! Sign up to our newsletter to get only th…

In today’s episode Dev interviews Alex Luck of Everest Wealth, touching on: 👉🏾 what is an SMSF? 👉🏿 what can I do with SMSF that I can't do with normal industry super/retail funds 👉🏻 fees associated 👉 at what value is an SMSF cost effective? 👉🏼 what about rules and taxes? 👉🏽 what happens if some people in accumulation phase, and others in retirement…

In today’s episode Dev explains Benner's Cycle touching on: 👉🏾 what is Benner's cycle? 👉🏿 what is a market cycle? 👉🏻 stages of a market cycle? 👉 examples of a Benner's cycle predictions We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check ou…

In today’s episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on: 👉🏾 how long has Pearler been around? 👉🏿 what investments are available? 👉🏻 what is HIN (holder identification number)? 👉 what is the fee structure? 👉🏼 understanding their automation 👉🏽 support - tech and non-tech 👉🏾 what happens when Pearler goes bankrupt? https:…

In today’s episode Dev interviews Dr. George Eskander, touching on: 👉🏾 what does an executive do? 👉🏿 his journey and training into his role? 👉🏻 what other career options do executives have? 👉 how does your day look like? 👉🏼 junior doctors, pay and culture 👉🏽 his side hustle - PassGP 👉🏾 investing philosophy 👉🏿 money wins Dr. George Eskander george.e…

In today’s episode Dev interviews Glen James, touching on: 👉🏾 why write a book? 👉🏿 how does your book differ from other investing books? 👉🏻 who is Nick Bradley? 👉 why are behaviours important? 👉🏼 tell us about your 40% loss of investments as an 18-year-old 👉🏽 contrarian views - go through each one We hate email spam so we don’t create it! Sign up t…

In today’s episode Dev interviews Scott Taylor, touching on: 👉🏾 what is preservation age? 👉🏿 what are my options when I retire? 👉🏻 can I chop and change phases? 👉 what is Transition to Retire (TTR)? 👉🏼 how does tax work in the retirement phase? 👉🏽 how does an aged pension get affected? 👉🏾 what is a downsizer contribution? 👉🏿 what is the re-contribu…

In today’s episode Dev interviews Scott Taylor, touching on: 👉🏾 why does super exist? 👉🏿 what are the type of contributions and their respective limits? 👉🏻 carry forward contributions vs bring forward contributions 👉 super for low income owners 👉🏼 what is the first home super savers scheme? 👉🏽 retail vs industry super fund 👉🏾 how do taxes work in s…

In today’s episode Dev explains sequence of returns risk, touching on: 👉🏾 what is sequence of returns risk? 👉🏿 wealth accumulation vs retirement phase 👉🏻 does sequence of returns risk affect everyone? 👉 what asset classes are effected? 👉🏼 an example to highlight the principle - rising market vs falling market We hate email spam so we don’t create i…

In today’s episode Dev interviews Louise Biti of Aged Care Steps, touching on: 👉🏾 retirement living options 👉🏿 pros and cons of each type 👉🏻 financial costs of each option 👉 should a family doctor be involved? 👉🏼 how to access myaged care? 👉🏽 aged care specifics 👉🏾 what happens when you die? 👉🏿 what is RAD? 👉🏻 what is the function state trustee? 👉 …

In today’s episode Dev interviews Sarah King from Stockspot, touching on: 👉🏾 what is Stockspot? 👉🏿 summary of service 👉🏻 account types and flexibility: investing for individuals, trusts, and self-managed super funds 👉 what are the fees? 👉🏼 does it allow automation? 👉🏽 what sort of portfolio does Stockpot offer? 👉🏾 what happens if Stockpot goes bank…

In today’s episode Dev explains retirement withdrawal strategy, touching on: 👉🏾 what is a constant withdrawal strategy? 👉🏿 what is a constant percentage withdrawal strategy? 👉🏻 what is the Guyton Klinger principle? 👉 retirement withdrawal fundamentals Related episodes 🎧 👇 037 what is the 4% withdrawal rule? 028 what is sequence of returns risk? We …

In today’s episode Dev interviews Dr, Moz, touching on: 👉🏾 his journey in medicine 👉🏿 what is your subspecialty/niche? 👉🏻 do you think that subspecialisation is essential in 2024? 👉 income opportunities in your area? 👉🏼 tell us about about market/podcasting 👉🏽 AI in your practice 👉🏾 investing philosophy 👉🏿 money wins We hate email spam so we don’t …

In today’s episode, Dev interviews Dr. Andrew, touching on: 👉🏾 training and specialties 👉🏿 a day in the life of a surgeon 👉🏻 Royal Australasian College of Surgeons.(RACS) training program 👉 streaming in healthcare 👉🏼 his thoughts on streaming 👉🏽 trainees and their suitability for the job 👉🏾 his investing philosophy 👉🏿 money wins We hate email spam …

In today’s episode Dev explains dollar cost averaging, touching on: 👉🏾 what is dollar cost averaging? 👉🏿 why it may be a good strategy? 👉🏻 the two main types of DCA 👉 pros and cons of DCA Related episodes 🎧 👇 016 dollar cost what? 252 DCA vs lump sum investing, careers outside of clinical work, ATO payment plans + more We hate email spam so we don’…

In today’s episode Dev interviews Michael Poplawski, touching on: 👉🏾 who is Dr. Mike? 👉🏿 what does he do? 👉🏻 what are his side hustles? 👉 how was it transitioning into the healthcare system of Australia? 👉🏼 what are the current issues with general practitioners? 👉🏽 his youtube channel: gp on the move 👉🏾 philosophy on investing and savings 👉🏿 insura…

In today’s episode Dev interviews, I-Scribe co-founder, Sudesh, touching on: 👉🏾 where is AI (artificial intelligence) going? 👉🏿 the role of AI in note-taking 👉🏻 software development 👉 F.I.R.E 👉🏼 property and shares 👉🏽 debt and concepts 👉🏾 superannuation and investing philosophy 👉🏿 IScribe (notetaking app) 👉🏻 risks and benefits 👉 personal safety 👉🏼 …

In today’s episode Dev interviews Joe Buckley, touching on: 👉🏾 what is BFA? 👉🏿 can it override family law acts? 👉🏻 what makes BFA valid or invalid? 👉 when does it make sense to have a BFA? 👉🏼 how to kids change BFA? 👉🏽 how much does it cost to create a BFA? 👉🏾 any tips on addressing BFA with partner? Joe Buckley [email protected] We hate em…

In today’s episode Dev interviews Joe; touching on: 👉🏾 how do you become a family law specialist? 👉🏿 what is divorce? 👉🏻 what is property settlement? 👉 what is parenting arrangement? 👉🏼 is there minimum separation period? 👉🏽 stats on divorce? 👉🏾 what is the divorce application process? 👉🏿 why is Western Australia (WA) different? 👉🏻how much do lawye…

In today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on: 👉🏾 savings rate? 👉🏿 property vs shares 👉🏻 financial independence retire early (F.I.R.E) principles 👉 debt and recycling 👉🏼 superannuation 👉🏽 children and financial independence 👉🏾 approach to investing 👉🏿 money wins We hate email spam so we don’t create it! Sign up t…

Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode we focus on the economics of EVs, and whether it makes sense to purchase in EVs in the: 👉🏾 current climate of high costs of living 👉🏿 petrol/diesel prices 👉🏻 servicing costs 👉 all the features EV's offer 👉🏼 the an…

In today’s episode Dev interviews Renee from Vanguard, touching on: 👉🏾 about VG Super 👉🏿 the fees 👉🏻 is it different to Super structures offered elsewhere? 👉 who owns the assets? 👉🏼 who is the back-up? 👉🏽 tell us about the auto-adjust 👉🏾 what are the products VG offers 👉🏿 what about capital gains? 👉🏻 can I switch without taxes? Related episodes 🎧 👇…

In today’s episode, Dev interviews Dr. Chris, touching on: 👉🏾 what is his savings rate? 👉🏿 getting the perspective of a doctor for locuming 👉🏻 his side hustle 👉 views on debt 👉🏼 his medical training and subspecialty 👉🏽 does he maximize his superannuation? 👉🏾 views on children and FI 👉🏿 his investing philosophy 👉🏻 money wins Related episodes 🎧 👇 307…

In today’s episode Dev interviews Dr. Dan, touching on: 👉🏾 what is his savings rate? 👉🏿 what is his locum/side hustle? 👉🏻 his story of how he got into med 👉 reaching financial literacy 👉🏼 his views on debt 👉🏽 his views on children and GI 👉🏾 private or public schools 👉🏿 will & estate planning Related episodes 🎧 👇 307 money wins: an interview with Dr…

In today’s episode Dev explains REITs, touching on: 👉🏾 what is a trust? 👉🏿 what is a REIT? 👉🏻 various types of REITs 👉 things to consider with REITs 👉🏼 non-existent REITs 👉🏽 open-ended and close-ended Related episodes 🎧 👇 045 what are REITs? We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers …

In today’s episode Dev interviews Tom of Ludicrous Feed, touching on: 👉🏾 why did he buy an EV? 👉🏿 batteries and charging 👉🏻 the driving experience 👉 manufacturing myths 👉🏼 his personal experience 👉🏽 is China a threat? 👉🏾 his investing journey YouTube channel: youtube.com/ludicrousfeed and also my website: ludicrousfeed.com We hate email spam so we …

In today’s episode Dev interviews Dr. Jim Dahle of the White Coat Investor, touching on: 👉🏾 American health system 👉🏿 student loans 👉🏻 how Dr. Jim invests his money? 👉 what is training like in the US? Dr. Jim Dahle, White Coat Investor www.whitecoatinvestor.com. We hate email spam so we don’t create it! Sign up to our newsletter to get only the val…

In today’s episode Dev interviews Vince Scully, touching on: 👉🏾 questions about portfolio drawdown? 👉🏿 preparing for retirement 👉🏻 wealth protection? 👉 case scenarios We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check out our online course…

In today’s episode Dev interviews Vince Scully, touching on: 👉🏾 what is Life Sherpa 👉🏿 why is financial advice expensive in Australia? 👉🏻 why are people skeptical about financial advisers in general? 👉 how is Life Sherpa different from traditional financial advice? 👉🏼 questions about portfolio construction 👉🏽 is there a one-size-fits-all all portfo…

In today’s episode Dev interviews John Pidgeon of this is property, touching on: 👉🏾 what is a buyer's agent and what do they do? 👉🏿 how do they get paid? 👉🏻 how to select a buyer's agent? 👉 how much does it cost? 👉🏼 what about off-market sales? 👉🏽 what happens when I have a bad experience with a buyer's agent? 👉🏾 how does the negotiation process wo…

In today’s episode Dev explains the concept of a 360 review, touching on: 👉🏾 how does a 360 review work? 👉🏿 goals of review 👉🏻 what is a traditional review? 👉 pros and cons 👉🏼 how do you give a 360 review? 👉🏽 the problems with F2F feedback We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers an…