Dev Raga Personal Finance

In today’s episode Dev unpacks how automating your investing can fast track your wealth-building journey touching on:

👉🏾 automating vs doing everything manually

👉🏿 real life examples and $$ difference

👉🏻 6 practical ways to setup automation in your everyday life

👉 how it can lead to less stress in your financial life

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.

Superannuation reform has been making headlines recently, so let's talk about the arguments for and against accessing super early. Dev touches on:

👉🏾 it's my money, why can't I access it?

👉🏿 the tax advantages

👉🏻 what happens if early access is allowed?

👉 the power of compounding

👉🏼 what if I can invest it better?

👉🏽 the COVID experiment - what happened when people were allowed early access?

👉🏾 why not just give me 12% more salary?

👉🏿 why not make super optional?

👉🏻 the argument for choice

👉 Dev's final thoughts

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 is joined by Rachelle Kroon from Sphere Home Loans for an update on the current lending landscape. They touch on:

👉🏾 how the May budget impacted investors

👉🏿 the changes to SMSF lending

👉🏻 banks offering new lending policies like 40 year loan terms

👉 will the property market crash as bad as the media reports?

👉🏼 the opportunity for first home buyers & upsizers

👉🏾 how can people prepare in a rising rate environment?

The Quick-Start Guide to Your First Property by Glen James & Rachelle Kroon is available now: https://amzn.to/4svhyoH

Interested in chatting with a mortgage broker? Check out https://www.spherehomeloans.com.au

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

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 the World Bank's Pillars of Retirement, touching on:

👉🏾 why the framework was created

👉🏿 what are the 5 pillars

👉🏻 how does Australia compare?

👉 what we can take away from the framework for our own retirement planning

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 the concept of recursive self improvement and how it relates to the use of AI and your personal finances. He also touches on:

👉🏾 how people can partner with AI in their finances

👉🏿 the pros of this

👉🏻 the risks involved

👉Dev's take on using AI in personal finance

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 bonus episode Dev discusses the bond market and why everyone is so panicked, and does it really matter. We will link how it's related to government debt, interest rates, stock markets, and yield rates.

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 the tax law that is now in effect impacting individuals with higher superannuation earnings. He covers:

👉🏾 what is Div 296 and why was it created

👉🏿 how does the legislation differ from the initial 2023 proposal

👉🏻 how are indexation and unrealised capital gains treated

👉 worked examples of $3M, $7M and $15M super balances

👉🏼 pros and cons of the legislation

👉🏽 Dev's take on Div 296

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 how the Gini coefficient is used to measure economic inequality. He explains how it works plus:

👉🏾 income inequality vs wealth inequality

👉🏿 what is the Lorenz curve

👉🏻 what is Pigou-Dalton principle

👉 limitations of the Gini coefficient

👉🏼 where does Australia sit relative to the OECD countries

👉🏽 his top takeaways

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 dividend investing, touching on:

👉🏾 the difference between a dividend vs distribution

👉🏿 what is dividend yield?

👉🏻 tax on dividends and how franking credits works

👉the pros and cons of dividend investing

👉🏼Dev's thoughts on dividend investing

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 is joined by Gagan Gupta, airline points strategist and Founder of Turn Left For Less (TLFL) which helps business owners and entrepreneurs convert their everyday business and personal spending into Business and First Class travel for less than the retail fare. Gagan touches on:

👉 why businesses accumulate points a lot faster and how to maximise them

👉🏽 why your power bill might already be earning you more than you think

👉🏻 how a family of 4 flew Singapore Airlines business class to India for $600 cash

👉🏾 what's not worth spending your airlines points on

👉🏿 how to points stack

Pay.com.au link as discussed in the podcast: https://pay.com.au/turnleftforless

Where you can connect with Gagan:

https://www.tiktok.com/@turnleftforless747

https://www.youtube.com/@turnleftforless

landing.turnleftforless.com

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.