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Dev Raga Personal Finance
236 Q&A: wealth building strategies, money in super or offset, tax deductions + more
Dev answers more listener questions:
๐ what's the difference between ETFs and managed funds?
๐๐ผ should I put more money into my super or my offset account?
๐๐ฝ dealing with award rates and the union in your profession
๐๐พ tips for turbo charging your income
๐๐ป and some little known tax deductions
Learn more about Altus Financial here: https://bit.ly/altusm3m
๐ Please read our disclaimer + warnings before listening to this episode
๐ง Related listening
229 how to pick a stock broker
033 index funds vs ETFs: which is better?
052 cash flow, profit, line of credit!
125 what is de-accumulation phase?
Tax deductions - check out episodes 94-99, 107, 204-206 and 227!
064 what is capital gains and losses?
๐ Episode transcript: https://bit.ly/m3meptranscripts
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411 will and estate planning (Q&A with a lawyer) part 1
56:57In todayโs episode Dev interviews special guest Marlee Viero who is a lawyer who does wills and estate planning. They chat about:๐๐พ what happens when you don't have a will?๐๐ฟ do it yourself will kits๐๐ป what is an executor?๐ what is a beneficiary?๐๐ผ what is a guardian?๐๐ฝ what about kids under 18?๐๐พ distribution of assets, special items, etc.๐๐ฟ what is a testamentary trust?Marlee Viero: www.nestlegal.com.au https://nestlegal.as.me/marleevieroWe 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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.410 an interview with AG (alternative investments, day trading + more)
59:51In todayโs episode Dev interviews special guest AG who day trades, touching on AG's experience with crypto and his personal investing philosophy. They chat about:๐๐พ what is cryptocurrency and how do you make money from it?๐๐ฟ costs of trading๐๐ป net worth and income๐ what is day trading and how one can compete with with "big people"๐๐ผ is time included in return calculations๐๐ฝ mainstream/traditional investments๐๐พ superannuation - where does it fit in?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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.409 money mistakes by doctors - part 2
24:04In todayโs episode Dev explains money mistakes doctors make, touching on:๐๐พ not prioritizing relationships,๐๐ฟ not doing a will and estate plan,๐๐ป training for far too long, waiting to become a consultant๐ poor soft skills,๐๐ผ complicating their financial lifeRelated episodes ๐ง208 what is a prenuptial or binding financial agreement?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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.408 money mistakes by doctors - part 1
34:15In todayโs episode Dev explains money mistakes doctors make, touching on:๐๐พ not having a budget or financial plans๐๐ฟ debt๐๐ป lifestyle creep๐ under insuring themselvesRelated episodes ๐ง117 what is automation?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, 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 this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.407 buying commercial property
16:31In todayโs episode Dev explains buying commercial property, touching on:๐๐ฟ types of commercial property๐๐ป things to look for when buying a commercial real estate๐ the pros & consWe 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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.406 what is a share buy back?
25:18ย In todayโs episode Dev explains the concept of a share buy back, touching on:๐๐ฟ shares outstanding๐๐ป why a company buys their own shares๐ how a company would buy back their own shares๐๐ผ earnings per share๐๐ฝ price to earnings ratio๐๐พ advantages of share buy backs๐๐ฟ buy backs vs share dividends๐๐ป share buy backs vs arbitrage๐ his personal views on share buy backsRelated episodes ๐ง026 what is arbitrage?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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.405 what is debt recycling?
30:00In todayโs episode Dev explains debt recycling, touching on:๐๐พ debt๐๐ฟ deductible vs non-deductible debt๐๐ป debt recycling๐ tax savings๐๐ผ advantages of debt recycling๐๐ฝ disadvantages of debt recycling๐๐พ final things to considerWe 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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.404 an interview with Dr VJ (Renal Fellow)
01:03:16In todayโs episode Dev interviews renal fellow, Dr. VJ touching on:๐๐พ his income๐๐ฟ his savings rate๐๐ป locuming๐ his view on debt๐๐ผ personal insurance๐๐ฝ kids and public vs private school๐๐พ retirement strategy๐๐ฟ and money winsWe 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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.403 redundancy insurance, sole traders & tax, income protection inside vs outside super + more
24:13In this episode, Dev answers your questions:๐๐พ how do you balance ethical practice, making enough money, and pursuing your own passions?๐๐ฟ what is redundancy insurance?๐๐ป sole trader tips for managing money owed to the ATO๐ income protection inside super vs outside superWe 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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.