Podcast
Dev Raga Personal Finance
Hosted by Dev Raga · EN
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.
39episodes
Episodes
Newest firstAll episodes
628 LICs vs ETFs
4d ago00:15:35Tap to summarizeIn 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 youDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →627 investing for kids
2w ago00:22:33Tap to summarizeIn 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 kidsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →626 from the vault: money mistakes by doctors
3w ago00:34:15Tap to summarizeIn 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 2Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →625 from the vault: what is debt recycling?
4w ago00:30:00Tap to summarizeIn 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 considerDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →624 personal insurance: DNA, dollars and the 40% premium shock!
Jun 2300:50:05Tap to summarizeIn 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.auDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →623 investing for kids, choosing your accountant, family loans, retirement + more with Dr Ken
Jun 1600:48:01Tap to summarizeIn 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 itDev'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.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →622 economics of EVs: 350,000km in an EV - is it still worth it?
Jun 900:26:23Tap to summarizeDev 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 carsRelated episodes:058 the economics of electric cars!093 EV cost analysis: 12 months of driving a Tesla123 EVs: 100,000km Tesla Model 3 update225 EVs: 150,000km Tesla Model 3 update324 EVs: 200,000km Tesla Model 3 update428 economics of EVs: Tesla M3 265,000km - the 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.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →621 the downsides to being wealthy
Jun 200:18:27Tap to summarizeHaving 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 thoughtsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →620 index funds with Vince Scully from Life Sherpa Invest
May 2600:47:04Tap to summarizeIn 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 dividendsConnect with Vince or learn more about Life Sherpa Invest at: https://lifesherpa.com.au/investDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
Transcribe →619 CGT, negative gearing changes & first home buyers with Rach Kroon (this is property)
May 1900:44:04Tap to summarizeRachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoHThe 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 & considerationsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo 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.
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