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Dev Raga Personal Finance
428 economics of EVs: Tesla M3 265,000km - the end!
Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode we focus on the economics of EVs, and whether it makes sense to purchase in EVs in the:
๐๐พ current climate of high costs of living
๐๐ฟ petrol/diesel prices
๐๐ป servicing costs
๐ all the features EV's offer
๐๐ผ the annoying bits of Model 3
And by the time this episode has aired, Dev has traded it in for a new Model 3 2024 model.
Related episodes ๐ง
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058 the economics of electric cars!
093 EV cost analysis: 12 months of driving a Tesla
123 EVs: 100,000km Tesla Model 3 update
225 EVs: 150,000km Tesla Model 3 update
324 EVs: 200,000km Tesla Model 3 update
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SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.
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
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624 personal insurance: DNA, dollars and the 40% premium shock!
50:05||Season 6In this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack:๐๐พ recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance๐๐ฟ can insurers request your full medical history from your GP?๐๐ป how does this legislation change impact you?๐ what is TPD aka total and permanent disability cover?๐๐ผ 3 types of ways to get insurance - retail, group & direct๐๐ฝ the cost of getting insurance inside vs outside of super๐๐พ the premium rise shock with super funds๐๐พ how any vs own occupation affects your payout eligibility๐๐ฟ how blue collar vs white collar ratings impact your premiums๐๐ป Matt's personal money win๐ who helps with getting claims paid out?Interested in connecting with Matt and the Skye Wealth team? Visit https://skye.com.auDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
623 investing for kids, choosing your accountant, family loans, retirement + more with Dr Ken
48:01||Season 6In this episode, Dev chats with return guest and retired GP, Dr Ken McMahon to get his thoughts on:๐๐พ investing for kids๐๐ฟ selecting an accountant & financial adviser๐๐ป preparing for a retirement lifestyle๐insurances and self-insuring๐๐ผ lending money to family๐๐ฝand if BFAs are worth itDev's first interview with Ken: 527 lessons from 50 years of investing (with a retired GP!)Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
622 economics of EVs: 350,000km in an EV - is it still worth it?
26:23||Season 6Dev is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers:๐๐พ the cost savings of his first Model 3๐๐ฟ the numbers on his second Model 3๐๐ป does it make sense to buy an EV in 2026?๐ comparing costs to an ICE car๐๐ฝ pros & cons of having an EV๐๐ผDev's top tips for buying carsRelated episodes:058 the economics of electric cars!093 EV cost analysis: 12 months of driving a Tesla123 EVs: 100,000km Tesla Model 3 update225 EVs: 150,000km Tesla Model 3 update324 EVs: 200,000km Tesla Model 3 update428 economics of EVs: Tesla M3 265,000km - the end!Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
621 the downsides to being wealthy
18:27||Season 6Having lots of money has it's advantages, but it can also come with added challenges. In today's episode Dev unpacks these, touching on:๐๐พ trust and relationship issues๐๐ฟ family issues๐๐ป suspicion๐ lack of privacy๐๐ผ rising stress๐๐ฝ social isolation๐๐พ judgement and pressure๐๐ฟ personal risk๐๐ป achievements become devalued๐ morality๐๐ผ raising children๐๐ฝ his final thoughtsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
620 index funds with Vince Scully from Life Sherpa Invest
47:04||Season 6In this episode Dev & Vince Scully, Portfolio Manager at Life Sherpa Invest dig into what most index fund podcasts don't tell you, that the index you pick matters just as much as the decision to invest in one. They touch on:๐ the current interest rate environment๐๐พ why index investing isn't truly passive๐๐ฟ the ASX 200 is basically banks and miners, your "diversified" fund might not be๐๐ป small cap and micro cap funds can massively outperform big indexes but fees are higher๐๐ฝ why asset allocation is so important to your strategy๐๐ผ the market charts you see online don't include dividendsConnect with Vince or learn more about Life Sherpa Invest at: https://lifesherpa.com.au/investDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
619 CGT, negative gearing changes & first home buyers with Rach Kroon (this is property)
44:04||Season 6Rachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoHThe 2026 federal budget landed with major changes for property investors and first home buyers. Rachelle Kroon from Sphere Home Loans joins Dev to unpack what it all means, touching on:๐๐พ capital gains tax๐๐ฟ negative gearing๐๐ป how grandfathering will work๐first home buyer schemes and grants๐๐ผ parental guarantee vs the Government guarantee risks & considerationsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
618 there's more to life than money: global health, charity work & why giving back matters
38:06||Season 6What does a fulfilling medical career look like beyond the income? Dev sits down with Dr Jono, an emergency physician, point-of-care ultrasound specialist and co-founder of Tambe Global to explore why giving back might be one of the most valuable investments you make as a clinician. They touch on:๐๐พ career opportunities in emergency medicine๐๐ฟ Jono's path into global health, starting the PEARLS program & establishing a charity organisation๐๐ป pros & cons of charity work for doctors๐ the practicalities of doing overseas charity work: getting the right visa, taking leave, indemnity insurance๐๐ผ what opportunities exist for doctors?๐๐ฝ navigating the emotional impact of high stakes workLearn more about Jono's work below:https://www.tambeglobal.org/www.youtube.com/@PEARLS_POCUSwww.twitter.com/PEARLS_POCUSResearch paper: https://onlinelibrary.wiley.com/doi/10.1002/ajum.70014Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
617 what is a Transition To Retirement income stream? (TTR)
17:59||Season 6In this episode Dev explains how people approaching retirement can access their super while still working. He touches on:๐๐พ what is a transition to retirement pension is and how to make use of it๐๐ฟ what is preservation age and how is calculated๐๐ป when can you use a TTR?๐ why was it created?๐๐ผ how does tax work with a TTR๐๐ฝ the pros and consRelated episodes: ๐ง 612 what is the super recontribution strategyDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.
616 MLMs vs Pyramid Schemes
11:29||Season 6In todayโs episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on:๐๐พ what is MLM and how does it work๐๐ผ how much do most MLM participants actually make๐๐ฟ what is a Pyramid Scheme and why are they illegal๐๐ป real examples of legitimate MLMs๐ is joining an MLM actually worth it?Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.au