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 and Vince discuss:

👉🏻 should you make non concessional contributions or invest outside super?

👉 the div 296 tax

👉🏼 how much do you need in retirement

Check out Dev's episode on Div 296 here: 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

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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 vs invest vs super

👉🏻 using debt recycling

👉 buying a car with cash or a car loan

👉🏼 should you pay off or leave your HECS/HELP debt

Article - Should you buy a car with cash or car loan: https://lifesherpa.com.au/articles/why-paying-cash-for-your-car-is-wrong

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.

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 gains tax

👉 exemptions

👉🏼 what are personal use items?

👉🏾 how does joint ownership affect CGT

👉🏽 what is cost base

👉🏻 examples of CGT calculations

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.