Published by Dev Raga
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.
Listen on Apple Podcasts15 min
Is it better to pay off your mortgage or invest the money instead? In today’s episode Dev explains: 👉🏾 invest or pay off debt? the mathematical solution 👉🏿 the F2 rule - feelings vs finance 👉🏻 behavioural finance 👉 the 6% rule 👉🏼 real life examples on decision making 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.
12 min
In this episode Dev unpacks: 👉🏾 what are the principles of homo economicus 👉 real life examples of homo economicus playing out in modern society 👉🏿 what is behavioural finance 👉🏻 what is neuroeconomics 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.
15 min
In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers: 👉🏾 what is an LIC vs what is an ETF? 👉🏿 what is NTA (net tangible assets) vs NAV (net asset value) 👉🏻 the pros and cons of each investment structure 👉 the similarities and differences 👉🏼 Dev's bottom line verdict of which investment structure suits you 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.
22 min
In this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on: 👉🏾 the role of parents and parenting 👉🏿 learning about tax for minors 👉🏻 investing using your offset account 👉 trust structures 👉🏼 investment bonds 👉🏽 and super accounts for kids 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.
34 min
In today’s episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making. Related episodes 🎧 117 what is automation? 409 money mistakes by doctors part 2 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.
30 min
In this episode from season 4, Dev breaks down the concept of debt recycling, touching on: 👉🏾 debt 👉🏿 deductible vs non-deductible debt 👉🏻 debt recycling 👉 tax savings 👉🏼 advantages of debt recycling 👉🏽 disadvantages of debt recycling 👉🏾 final things to consider 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.
50 min
In this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack: 👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance 👉🏿 can insurers request your full medical history from your GP? 👉🏻 how does this legislation change impact you? 👉 what is TPD aka total and permanent disability cover? 👉🏼 3 types of ways to get insurance - retail, group & direct 👉🏽 the cost of getting insurance inside vs outside of super 👉🏾 the premium rise shock with super funds 👉🏾 how any vs own occupation affects your payout eligibility 👉🏿 how blue collar vs white collar ratings impact your premiums 👉🏻 Matt's personal money win 👉 who helps with getting claims paid out? Interested in connecting with Matt and the Skye Wealth team? Visit https://skye.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.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.
48 min
In this episode, Dev chats with return guest and retired GP, Dr Ken McMahon to get his thoughts on: 👉🏾 investing for kids 👉🏿 selecting an accountant & financial adviser 👉🏻 preparing for a retirement lifestyle 👉insurances and self-insuring 👉🏼 lending money to family 👉🏽and if BFAs are worth it Dev's first interview with Ken: 527 lessons from 50 years of investing (with a retired GP!) 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.
26 min
Dev is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers: 👉🏾 the cost savings of his first Model 3 👉🏿 the numbers on his second Model 3 👉🏻 does it make sense to buy an EV in 2026? 👉 comparing costs to an ICE car 👉🏽 pros & cons of having an EV 👉🏼Dev's top tips for buying cars Related episodes: 058 the economics of electric cars! 093 EV cost analysis: 12 months of driving a Tesla 123 EVs: 100,000km Tesla Model 3 update 225 EVs: 150,000km Tesla Model 3 update 324 EVs: 200,000km Tesla Model 3 update 428 economics of EVs: Tesla M3 265,000km - t he end! 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.
18 min
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 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.
47 min
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 dividends Connect with Vince or learn more about Life Sherpa Invest at: https://lifesherpa.com.au/invest 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.
44 min
Rachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoH The 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 & considerations 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.
38 min
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 work Learn more about Jono's work below: https://www.tambeglobal.org/ www.youtube.com/@PEARLS_POCUS www.twitter.com/PEARLS_POCUS Research paper: https://onlinelibrary.wiley.com/doi/10.1002/ajum.70014 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.
17 min
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 cons Related episodes: 🎧 612 what is the super recontribution 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.
11 min
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.au Need to review your personal insurances? Head to https://skye.com.au 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.
1 hr 12 min
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 owners Connect with Casey: casey.going@mbspro.com.au RACGP 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.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.
21 min
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.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.
14 min
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 examples 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.
20 min
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 strategy Related episodes 🎧 550 are non concessional contributions worth it? 609 super in retirement with Martin McGrath from Retire Right 610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire Right 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.
55 min
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 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.