
616 MLMs vs Pyramid Schemes
In today’s episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on: 👉🏾 what is MLM and how...
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Dev Raga is a Melbourne (Australia) based podcaster who discusses common financial topics. This ranges from saving, investing, debt reduction, personal insurance and many more topics. He als...

In today’s episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on: 👉🏾 what is MLM and how...

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...

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 ultr...

In this episode Dev explains the basics of compounding and why it pays to invest as early as possible. He touches on: 👉🏾 what is compoundi...

In this episode Dev explains how the super recontribution strategy works for those in retirement, touching on: 👉🏾 super contributions 👉🏿...

In this episode we talk to Matt*, an Australian doctor who migrated from Canada about the similarities & differences of the Canadian vs Aust...

In today's episode Dev is joined by retirement adviser Martin McGrath again to unpack: 👉🏾 a high net worth couple with assets inside & out...

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...

In this episode Dev explains the concept of gearing in personal finance. He covers: 👉🏾 the difference between gearing and leverage 👉🏿 ho...

In this episode Dev interviews Hazel* about her life and career as an OBGYN specialist in Adelaide. They chat about: 👉🏾 OBGYN as a career...

In this episode Dev explains how private equity works, touching on: 👉🏾 what is a private equity firm 👉🏿 what is an accredited investor �...

In this episode Dev explains what a J curve is, touching on: 👉🏾 how does the J curve help venture capital and private equity investors 👉�...

In this episode Dev discusses the various wars and conflicts across the decades and how they've affected the markets. He also unpacks why th...

In this episode, Dev is joined by returning guest Phil Thompson, CEO and insurance adviser from Skye Wealth to break down the changes to Tot...

In this episode Dev is joined by returning guest Rachelle Kroon, founder of Sphere Home Loans for a mortgage and lending chat. They discuss:...

In this episode we cover some of the basic things I do every January to kick start the calendar year. 👉🏾 review budgets 👉🏿 protect my do...

In this episode Dev unpacks 8 essential habits and strategies to help you achieve financial stability and long-term success. Dev Raga Person...

Some investing strategies come and go, but the best ones stand the test of time. Dev shares 5 timeless investing principles to help you buil...

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 Ne...

In this episode Dev unpacks: 👉🏾 what is a non concessional contribution 👉🏿 the bring forward rule 👉🏻 what happens if you breach the $1...

In this episode Dev sits down with psychiatrist Dr Ava for an honest, unfiltered look at mental health in the medical profession. They unpac...

In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax, touching on: 👉🏻 cap or no caps 👉 CPI indexed...

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 ap...

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...

In this episode Dev unpacks 6 budget types and the pros & cons of each. He walks through: 👉🏾 the 50/30/20 budget 👉🏿 cash stuffing / enve...

Continuing on from last week's episode, Dev and Dr James* go deeper discussing boundaries in small communities, navigating burnout, and how...

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 path...

In today’s episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He cover...

In this episode, Dev chats with Dr Chris Sia about the journey of building Telecare - its early days, scaling operations, selling the busine...

In today's episode Dev unpacks private lending, touching on: 👉🏾 what it is and how it works 👉🏿 how big is the market? 👉🏻 reasons why s...

In the second half of this conversation, Kabhir* shares how he’s building a life and career in Australia as an international medical graduat...

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...

Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to kee...

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...

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 ed...

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 ru...

Today's episode is the second half of Dev's chat with Vince Scully from Life Sherpa (listen to last week's episode for part 1!), where Dev a...

In this 2 part chat, Dev is joined by Vince Scully from Life Sherpa to unpack your questions. In part 1 they touch on: 👉🏿 pay off mortgage...

Capital gains tax aka CGT - let's talk about it! Dev unpacks: 👉🏿 what is a capital gain + short vs long term gain 👉🏻 what is capital gai...

In this episode Dev explains the concept of opportunity cost, touching on: 👉🏾 what it is and how it differs from sunk cost 👉🏿 a formula...

There’s no shortage of investing advice out there, but some principles stand the test of time. In this episode, Dev breaks down 5 essential...

Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks: 👉🏾 what exactly happened in 1973 👉🏿 how the ter...

In this episode we pick the brain of Dr Ken who is a retired GP and part of the original FI movement. He has been a clinician and a patient...

Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive...

In today's episode Dev explains the concept of strategic asset allocation and touches on: 👉🏾 what it is 👉🏿 the 4 main asset classes 👉🏻...

In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers: 👉🏾 carry forward contribut...

In this episode Dev covers some basic last minute tax tips for individuals and businesses before financial year 2025 comes to a close! He to...

In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They un...

In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers: 👉🏿 how to figure out your personal ri...

Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 le...