Dev Raga Personal Finance

We're continuing with part 2 of our superannuation mini-series and we cover a lot in this one so strap in! Dev talks about:👉 spousal contributions & splitting contributions👉🏼 what happens to super when you die & nominating a beneficiary👉🏽 how is superannuation taxed - accumulation / retirement phase👉🏾 changing super funds👉🏿 excess super contributions👉🏻 how is taxation/capital gains managed within super👉 the low income super offset👉🏼 super and the self employed👉🏽 what is the down sizer contributions scheme👉🏾 insurance within super👉🏿 fees in super👉🏻 superannuation guaranteeLearn more about Altus Financial here: https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Over the next few weeks we're deep diving into the world of superannuation. In part 1 of this mini series Dev covers the basics - what super is, how it works and more, like: 👉🏿 the types of contributions - mandatory vs voluntary👉🏻 concessional / non-concessional contributions👉 how much super you should aim for or have👉🏾 contributions tax👉🏼 carry forward rules👉🏽 bring forward rulesYou might also like:120 what is div 293? The sneaky tax!051 what is an SMSF? Worth it?018 what is opportunity cost?Learn more about Altus Financial here: https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

None of us are immune to bias! Dev unpacks 13 types of biases that you may or may not have heard about and how they can affect our personal finance & investing strategy. He also touches on:👉🏾 what is cognitive/psychological bias👉🏿 some fundamental areas where bias can affect you👉🏻 the difference between bias and failed logic👉 a question from Michael who asks if there are any financial products aimed at nursesLearn more about Altus Financial here: https://bit.ly/altusm3mRelated stuffHamish Douglass article067 what is behavioural finance?217 macro-economic vs micro-economic factors🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

There are so many stock brokers out there, which do you pick? Dev explains the basics of what a broker does and how to pick one that suits your needs. He covers:👉🏾 what is a brokerage firm?👉🏿 why do we need brokers?👉🏻 the difference between full service brokers vs discount/online brokers👉 roboadvisers👉🏼 how brokers make money (some common & less common ways)👉🏽 is free brokerage actually free?👉🏿 what is chess sponsorship👉🏻 the simple steps to follow when selecting a broker👉 plus Jonno from Melbourne gave some kind feedback!Learn more about Altus Financial here: https://bit.ly/altusm3mRelated episodes:217 macro-economic vs micro-economic factors🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Heads up, loads of geeky stuff in today's chat! Dev explains the ins and outs of modern portfolio theory (MPT) touching on these concepts: 👉🏼 diversification👉🏽 two main types of financial risk👉🏾 variance👉🏿 efficient frontier👉🏻 capital allocation line (CAL)👉 sharpe ratio👉🏾 post modern portfolio theory👉🏼 the pros and cons of each theory👉🏿 Dev also answers a listener question about the difference between ETFs and managed fundsBook a complimentary call with Altus Financial: https://bit.ly/altusm3mRelated content you may want to check out after listening to this episode 👇203 what is diworsification?043 40 year mortgages!! What is loss aversion?217 macro-economic vs micro-economic factors067 what is behavioural finance?124 growth vs value investing033 index funds vs ETFs: which is better?🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Tax season is here and so is our very first episode with a guest! Tax & Business Adviser, Andrew Haber from Altus Financial joins Dev to answer all your tax time questions to do with:👉🏾 property deductions👉🏿 debt recycling👉🏻 car expenses👉 work-related expenses👉🏼 CME entitlements - reimbursements👉🏻 Xero software👉🏽 trusts - Section 100A👉🏿 ATO data matching and debts👉🏾 company taxes👉 self education expenses and moreBook a complimentary chat with Altus Financial here: https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Whether you're single or in a relationship, the basic principles of good money management still apply. Dev shares the pros and cons of being single with money plus a tip for singles entering a long term relationship.Check out Altus Financial: https://bit.ly/altusm3mRelated episodes:221 couples and money116 savings rate vs investment returns!🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Dev shares his thoughts on electric vehicles and discusses the ins and outs of owning a Tesla Model 3 such as:👉🏾 purchase price👉🏿 cost of electricity & comparison with fuel costs👉🏻 Autopilot (Model 3 specific)👉 wear and tear / servicing costs👉🏼 annoying & brilliant bits about the car👉🏽 software and updates👉🏿 charging and infrastructure, is charging a pain?👉 Tesla service👉🏾 Victoria's EV road tax👉🏻 EV marker in Australia - the competitionLearn more about Altus Financial here: https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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:👉🏿 what is net asset value (NAV) and how does it relate to net worth?👉🏽 does NAV actually help with making investment decisions?👉 what are non-bank lenders?👉🏼 and the pros and cons of using non-bank lendersLearn more about Altus Financial here: https://bit.ly/altusm3mEpisodes mentioned:077 what is price to earnings ratio (P/E)?078 what is price to book ratio (P/B)?222 stock market myths + wrap accounts212 investing truths053 what are bonds? Are they good?🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Burnout is unfortunately very common in the workplace, especially amongst healthcare workers, and it can impact your finances in a variety of ways. Remember to chat with your GP if you are experiencing any issues in regards to your mental health or contact Beyond Blue on 1300 22 4636 or Lifeline on 13 11 14. In this episode Dev unpacks:👉🏾 what is burnout and what are some of the risk factors that can lead to it👉🏻 7 questions to ask yourself if suspect you might be burnt out👉🏿 what you can do to avoid and manage it👉 how it can affect your finances👉🏼 plus a listener question at the end of the episode around the pros and cons of investing in defence housingAltus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Dev unpacks 10 myths about the stock market:👉🏾 investing in the stock market is gambling👉🏿 the stock market is only for rich people👉🏻 buying a stock when it falls is always a good strategy👉 the more stocks you own, the better it is!👉🏼 gains and losses are considered equal👉🏽 more risk means more returns👉 a low stock price means it's undervalued👉🏿 everyone needs a financial adviser👉🏾 sequence of returns doesn't matter👉🏼 dividend yield investing is always good👉🏻 and a question from Nyasha who asks, "What is a wrap account?"🛑 Please read our disclaimer + warnings before listening to this episodeAltus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3mEpisodes mentioned:135 gambling vs speculation!056 what are derivatives (financial)?203 what is diworsification?076 what are corporate actions?077 what is price to earnings ratio (P/E)?078 what is price to book ratio (P/B)?028 what is sequence of returns risk?031 what is dividend investing?065 dividends vs distributions102 what is a dividend reinvestment plan (DRP)?061 what is a trust?📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

If you're in a relationship, how you decide to manage money with your significant other is very personal. Here are 3 ways that couples can share and split finances along with some of the big money traps to avoid and how to reduce your risk of falling into them. We also answer a question from Jason who asks, what are the big milestones in a career as a doctor and how should I financially prepare for them? The concepts discussed will be relevant to any profession that requires greater than 5 years of training.Mentioned in the chat:213 debt repayment strategies208 what is a prenuptial or binding financial agreement?2021 marriage and divorce statsMoneysmart websiteFinancial Rights Legal CentreAltus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Dev covers the ins and outs of owning your own health care practice and re-negotiating contracts. Thanks Campbell and Jo for your questions! Dev unpacks:👉🏾 the benefits, pros and cons👉🏿 what makes a good practice👉🏻 things to look out for when establishing or buying a practice👉 practice ownership structure👉🏼goodwill - who cares!👉🏽 partnerships and red flags👉🏿 what is profit sharing?👉🏻 shielding yourself behind a company structure👉🏾 contracts - negotiating for sole traders/employees👉 trade restraint clauses👉🏽 his overall views on practice ownershipAltus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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 we're discussing your questions. Make sure to be part of our facebook group for health care workers where you can ask a question for the show! In today's episode Dev discusses:👉🏼 what asset classes should be included in a well diversified portfolio?👉🏽 borrowing to invest / leverage like using the NAB equity builder👉🏾 what's the impact of HECS/HELP debt on getting a home loan?👉🏿 life insurance and income protection considerations for health care workers👉🏻 preparing for parental leave + financial planning with young children👉 investment strategy for retirement👉🏼 the basics of investing in sharesAltus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3mEpisodes mentioned:049 leverage vs margin!033 index funds vs ETFs: which is better?036 listed investment companies (LICS)116 savings rate vs investment returns!027 what is inflation and why is it important?133: is inflation a problem?🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

The best budgeting strategy is the one that works for you. In this episode Dev shares a few, including: 👉🏻 4 budgeting strategies to manage your personal finances (50/30/20, zero-based, values-based and the Dev Raga budget)👉 4 types of corporate budgets that can be used by businesses (incremental, activity-based, value proposition and zero-based)👉🏾 3 ways that managers can create a budget for their staff👉🏿 and a positive review - wow! Thanks🛑 Please read our disclaimer + warnings before listening to this episodeAltus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3m📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Dev breaks down some examples of macro-economic and micro-economic factors and ultimately how they affect us and the economy. He also explains how businesses can maximise their profits by focusing on 6 micro-economic factors and answers a listener question about burnout in the medical profession.Altus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Using active income to invest in assets which generate a passive income is a common strategy when working towards becoming financially independent. In this episode Dev unpacks:👉🏾 what is income👉🏿 assessable income vs taxable income (Check out episodes 094 to 099 on tax deductions)👉🏻active income and the pros and cons of it👉 types of passive income and the pros and cons👉🏼 maximising your income per unit time👉🏽 and a listener question: tips for reviewing and negotiating insurance policiesNote: The stock portfolio expense deduction used in the example was incorrect. It should be $1,250 not $12,500. You can check out the correct breakdown here.Altus Financial is for medical professionals who want to feel good about their finances. Visit https://bit.ly/altusm3m🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcript: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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.

Some great questions and topics from the my millennial money medical community. Today Dev discusses:👉🏾 deductible vs non-deductible debt👉🏿 offset vs redraw facility👉🏼 a breakdown of investment property costs👉🏽 burnout in health care👉🏻 the ethics of private billing in health care👉 salary packaging - listen to episode 204👉🏼 saving on an allied health salary (or any salary!)👉🏿 the stigma around profiting from health care🛑 Please read our disclaimer + warnings before listening to this episode📝 Download a transcript of this episode: https://bit.ly/m3meptranscripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money medical is produced by SYMO interactive, home of my millennial money.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 chats about:👉🏾 Thopian's question: How long can I rent out a property without paying capital gains tax on its sale👉🏿 what is the bid ask price👉 what is liquidity? For an in-depth explanation on liquidity listen to episode 084👉🏼 the bid ask spread👉🏽 what are market makersEpisode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.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.

The best method to pay down debt is the one that works for you! In this episode Dev shares:👉🏾 what is consumer debt👉🏿 revolving vs non-revolving debt👉🏻 the pros and cons👉 the debt avalanche method👉🏼 the debt snowball method👉🏽 the debt consolidation method👉🏾 balance transfer method👉🏻 checking your recurring paymentsYou might also enjoy 030 what is debt consolidationEpisode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.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 covers these 13 investing truths:👉🏾 asset allocation👉🏿 diversification👉🏻 the market is uncertain👉 understanding and managing risk👉🏼 time in the market, not timing the market👉🏽 no perfect investment strategy👉🏾 money doesn't have emotions👉🏿 market crashes can be good👉🏻 investing is not a get rich quick scheme👉 buy the haystack, be boring👉🏼 fees matter👉🏽 investing is behavioural👉🏾 start early, do it forever👉🏿 and answers a question from Lee who asks how to wind down an SMSF. We discuss the 6 steps involvedBelow are the episodes that were mentioned in the chat.051 what is an SMSF? Worth it?075 what is financial risk?043 40 year mortgages!! What is loss aversion?067 what is behavioural finance?Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

This episode covers some of the restrictions you might encounter when buying property or considering a knock down rebuild. Dev shares:👉🏾 a listener's experience - K has a bad surprise at the time of building their home👉🏻 what are covenants, zones and overlays👉 the process of removing a covenant👉🏿 burdened land vs benefited landCheck with your local state and council regulations before buying any property. In large parts of Melbourne, there are significant landscape overlays - beware!If you're in Victoria you can head to https://mapshare.vic.gov.au/ to check the zonings on a property.Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

Today's episode is all about what a margin of safety is in accounting, business, investing and personal finance. Plus Dev speaks a little on deep value investing vs growth at a reasonable rate. We go full on geek mode!Listen to ep 75 for more on financial risk here.Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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:👉🏾a question from anon who has sold their investment property and has 500K in proceeds, what should they do?👉🏻what is a financial bubble?👉the stages of a bubble👉🏿examples of bubbles in history👉🏾Poseidon NL - does anyone remember the name?Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

Today's episode is inspired by this listener question: Is a prenup something I should consider before getting married? How long before marriage should I start thinking about it and what are the pros and cons? My income will likely be significantly higher than my partner's and I'm wondering how to have the conversation. Dev unpacks what a binding financial agreement aka prenup, entails including:👉what happens without a prenup?👉🏼the pros and cons👉🏾conditions of prenup👉🏿when is a prenup useful?👉🏻can a judge throw out a prenup?The sections of the Family Law legislation mentioned in the chat were Section 90B - 90KA relating to marriage and Section 90UA - 90UN relating to de facto relationships. You can read these on the Australian Govt website here: https://www.legislation.gov.au/Details/C2019C00101/Html/Volume_2Episode transcripts: https://bit.ly/m3meptranscriptsmy millennial money medical is hosted by Dev Raga.🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

Should you put your spare cash in paying down debt or invest it? Dev explores this common question, touching on:👉🏻invest or pay off debt - is this a simple analysis of this question?👉deductible vs non-deductible debt👉🏽what about interest free debts?👉🏿risk tolerance vs tax optimisation👉🏼what about debt consolidation?Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer at mymillennial.money before listening to this episode.Need help with budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community!Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

Dev discusses more strategies that can help to reduce tax, such as:👉🏾investment bonds👉super spousal contributions👉🏻property deductionsHere's 087 what are investment bonds?Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Need help budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20:Are you a healthcare professional? Join our Facebook community! Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

We're back with more tax efficiency tips! In this episode Dev discusses:👉dividends vs capital gains👉🏼trust structures👉🏽charitable donations👉🏿work related deductions👉🏻car related deductionsListen to part 1 of this series here.For more on tax deductions, go back and listen to episodes 94-99. Here's episode 94.Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community! Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

This is part 1 of a 3 part series on strategies to minimise tax. In this first episode Dev talks about:👉🏻salary packaging👉superannuation and maximising your concessional contributionsEpisode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a healthcare professional? Join our Facebook community!my millennial money medical is hosted by Dev Raga.For podcast resources, links to our stuff, disclaimer & warnings about this episode + more check out: https://www.mymillennial.money/m3m-shownotesWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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 an effort to diversify your assets, it's possible to end up 'diworsifying'. Dev unpacks exactly what this means, touching on:👉🏾diworsification vs diversification👉🏼how do you know if you are diworsifying?👉and how to minimise your risk of diworsifyingDev discusses efficient frontiers here: https://player.whooshkaa.com/episode?id=930845Check out eps 050 and 080 on asset allocation!Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a health care professional? Join our online community: https://www.facebook.com/groups/2261439930740208my millennial money medical is hosted by Dev Raga.Check out https://www.mymillennial.money/m3m-shownotes for our stuff, disclaimer, warnings about this episode, podcast resources + moreWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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 talks about:👉🏽a Q from anon about super concessional contributions👉what is a bond?👉🏿what's inflation?👉🏻what are interest rates?👉🏾how are all these concepts related to each other?👉🏼examples to highlight these concepts!👉the inverted bond yield curve👉🏾fractional reserve banking!Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a healthcare professional? Join our Facebook community!Check out https://www.mymillennial.money/m3m-shownotes for our stuff, disclaimer, warnings about this episode, podcast resources + moreWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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:👉🏾what is pay yourself first?👉🏿a practical example👉🏻the power of automation👉does super count towards pay yourself money?👉🏼a simple way to build a long term portfolioEpisode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a healthcare professional? Join our Facebook community!Check out https://www.mymillennial.money/m3m-shownotes for our stuff, disclaimer, warnings about this episode, podcast resources + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

Hosted by Dev Raga and talking all things financial health and personal finance for healthcare professionals. Chat with us in the my millennial money medical Facebook group: https://www.facebook.com/groups/2261439930740208Any 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 I share important news about the future of Dev Raga Personal Finance! The survey mentioned in this chat has now closed. Thanks to all who participated.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 we answer a question about choice in investing and how to systematically approach it. Then we focus on the core concepts of speculation vs gambling, the similarities and differences. Well done Melbourne for coming out of lockdown!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 we answer Dr Yud's question about constitutionally protected funds. We also talk about buyers agents, the pros and cons and what to consider when engaging one.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 we answer a question from Andrew about whether it’s important to have income protection if they are a dual income family. Then we break down the concept of inflation, and see how it’s calculated, and how it may affect you.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 I warn our listeners about checking their super and investment statements for “advice fees”. I also discuss a simple concept called the rule of 72. What is it? How it can be applied in your personal finances.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 I take a look at the Evergrande crisis, explain the issue and discuss the over arching lessons from it all.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 we discuss the pros and cons of shares vs property, look at the long term performance numbers, and what I prefer moving forward. We also answer Branco's question on how to sell ETFs or index funds partially!!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 we discuss Sepun's question about costs of being a landlord. We then discuss the main topic of asset protection. What is it? What Are some of the ways you can protect your hard earned wealth.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, I answer the most common questions that are asked to me. Lots of interesting questions. Stay tuned!!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 we discuss crypto staking, a question from Stefan. We also discuss the other options to bankruptcy: 1/ temporary debt protection, 2/ debt agreements, 3/ personal insolvency agreements.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, we discuss Dr Z situation of contracting for a gp practice. We also discuss about the concept of bankruptcy, what is it, the implications, the consequences, the challenges and why it’s “not a get out of jail card”.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 we answer Dylan’s question about carry forward contributions for your super. The main topic is part 2 of decummulation strategy, and we discuss the concept of asset liability matching!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 we discuss the concept of de accumulation, and go into how dollar cost avging may not work in your retirement phase. This is part 1 of 2 episodes about de accumulation.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 we answer M’s question about how dividends are taxed. We also discuss the concepts of growth vs value investing. We also go into geeky concepts about risk adjusted returns.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 we discuss the concepts of offset accounts, redraw facilities. The main topic is about cost comparison between own an EV and an ICE car!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 we tackle the issue of late starters to saving and investing. Then we go deep into the concept of Kelly criterion.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, we discuss Jesse’s question about HIN and Chess sponsorship when it comes to broker. Our main topic for this episode is about pet insurance, and some factors to consider.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.