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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 5In 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:๐๐ฝ what investment bonds are and how they work ๐๐ผ who investment bonds are most suited to ๐๐ฟ tax benefits compared to investing outside a bond ๐๐ป how asset protection and estate planning features work๐ fees, investment options, and how to withdraw fundsWe hate email spam so we donโt 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.
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517 why this American doctor left it all behind for Australia: Dr Carmen's story
01:06:22||Season 5In 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 Carmenโs 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:๐๐พ her med school journey๐๐ฟ why Carmen decided to leave the US๐๐ป key differences between the US and Aussie healthcare system๐ what loan forgiveness is in the US and who's eligible๐๐ผ pay, student loans & insurance differences๐๐ฝ 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 donโt 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:๐๐ฟ what is debt?๐๐ป deductible vs non deductible debt๐ what is debt recycling๐๐ผ the pros and cons of debt recyclingWe hate email spam so we donโt 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 5In today's episode Dev unpacks the concept of a doom loop, touching on:๐๐ฟ what it is and how it works๐๐ป what is a flywheel effect?๐ the main causes๐๐ผ and how to break the doom loopWe hate email spam so we donโt 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: Vanessaโs story
39:32||Season 5In 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 itโs really like to run a dental practice and how sheโs built long-term wealth along the way. *Name changed for privacy. Her journey includes:๐๐พ getting into dental school & early career challenges๐๐ฟ private vs public dentistry: work, income & opportunity๐๐ป practice ownership, staff management & overheads๐ profit margins, fee structures & how dentists actually get paid๐๐ผ buying her own premises & why it mattered๐๐ฝ learning the business side of dentistry๐๐พ how Vanessa invests๐๐ฟ decisions around insurances, SMSF & estate planningEpisode mentioned in the chat:Listen: ๐ง 506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)We hate email spam so we donโt 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 5The 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:๐๐ป why the 4% rule was created and if it still works today๐ how market downturns and fees can derail your retirement๐๐ผ the hidden power of paying off your mortgage before retiring๐๐ฝ asset allocation strategies to make your money last longer๐ Episode transcripts We hate email spam so we donโt 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 5Jeff* 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 thatโs setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on:๐๐พ the cost of private medical school & fee-help loans๐๐ฟ moving for work & how it shaped his career๐๐ป current income, outgoings & savings rate๐ using doctor-specific home loans to buy a property๐๐ผ his investment strategy & approach to FIRE๐๐ฝ money wins & lessons learned so farWe hate email spam so we donโt 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.