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Dev Raga Personal Finance

Money concepts made simple for busy professionals

Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.Formerly named my millennial money professional

Latest episode

  • 518 investment bonds (with Generation Life CEO, Felipe Araujo)

    50:50||Season 5
    In today's episode, Dev sits down with Felipe Araujo, CEO of Generation Life, to unpack everything you need to know about investment bonds. They cover:๐Ÿ‘‰๐Ÿฝ what investment bonds are and how they work ๐Ÿ‘‰๐Ÿผ who investment bonds are most suited to ๐Ÿ‘‰๐Ÿฟ tax benefits compared to investing outside a bond ๐Ÿ‘‰๐Ÿป how asset protection and estate planning features work๐Ÿ‘‰ fees, investment options, and how to withdraw fundsWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.

More episodes

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  • 517 why this American doctor left it all behind for Australia: Dr Carmen's story

    01:06:22||Season 5
    In this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start a new life and career in Australia and New Zealand. They dive into Carmenโ€™s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not just better working conditions, but a new lease on life. Carmen also shares how she built her consulting business Expat MD to help other doctors do the same. Her story touches on:๐Ÿ‘‰๐Ÿพ her med school journey๐Ÿ‘‰๐Ÿฟ why Carmen decided to leave the US๐Ÿ‘‰๐Ÿป key differences between the US and Aussie healthcare system๐Ÿ‘‰ what loan forgiveness is in the US and who's eligible๐Ÿ‘‰๐Ÿผ pay, student loans & insurance differences๐Ÿ‘‰๐Ÿฝ how Expat MD helps US doctors make the move to Australia & New ZealandClick here to learn more about Expat MD: https://www.expatmd.com/We hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.
  • 516 types of debt & what is debt recycling

    24:42|
    Let's talk about debt! Dev covers:๐Ÿ‘‰๐Ÿฟ what is debt?๐Ÿ‘‰๐Ÿป deductible vs non deductible debt๐Ÿ‘‰ what is debt recycling๐Ÿ‘‰๐Ÿผ the pros and cons of debt recyclingWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.
  • 515 what is a doom loop?

    17:14||Season 5
    In today's episode Dev unpacks the concept of a doom loop, touching on:๐Ÿ‘‰๐Ÿฟ what it is and how it works๐Ÿ‘‰๐Ÿป what is a flywheel effect?๐Ÿ‘‰ the main causes๐Ÿ‘‰๐Ÿผ and how to break the doom loopWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.
  • 514 dentistry, insights into practice ownership & building wealth: Vanessaโ€™s story

    39:32||Season 5
    In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what itโ€™s really like to run a dental practice and how sheโ€™s built long-term wealth along the way. *Name changed for privacy. Her journey includes:๐Ÿ‘‰๐Ÿพ getting into dental school & early career challenges๐Ÿ‘‰๐Ÿฟ private vs public dentistry: work, income & opportunity๐Ÿ‘‰๐Ÿป practice ownership, staff management & overheads๐Ÿ‘‰ profit margins, fee structures & how dentists actually get paid๐Ÿ‘‰๐Ÿผ buying her own premises & why it mattered๐Ÿ‘‰๐Ÿฝ learning the business side of dentistry๐Ÿ‘‰๐Ÿพ how Vanessa invests๐Ÿ‘‰๐Ÿฟ decisions around insurances, SMSF & estate planningEpisode mentioned in the chat:Listen: ๐ŸŽง 506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)We hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.
  • 513 will the 4% rule actually work for your retirement?

    17:21||Season 5
    The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it falls short, and how you can tweak it for a more secure future. He dives into:๐Ÿ‘‰๐Ÿป why the 4% rule was created and if it still works today๐Ÿ‘‰ how market downturns and fees can derail your retirement๐Ÿ‘‰๐Ÿผ the hidden power of paying off your mortgage before retiring๐Ÿ‘‰๐Ÿฝ asset allocation strategies to make your money last longer๐Ÿ“ Episode transcripts We hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.
  • 512 lessons from a junior doctor: saving, investing & buying a home

    48:52||Season 5
    Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journey through private medical school, navigating doctor-friendly home loans, and the investing strategy thatโ€™s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on:๐Ÿ‘‰๐Ÿพ the cost of private medical school & fee-help loans๐Ÿ‘‰๐Ÿฟ moving for work & how it shaped his career๐Ÿ‘‰๐Ÿป current income, outgoings & savings rate๐Ÿ‘‰ using doctor-specific home loans to buy a property๐Ÿ‘‰๐Ÿผ his investment strategy & approach to FIRE๐Ÿ‘‰๐Ÿฝ money wins & lessons learned so farWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.