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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
๐
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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631 why do you fly economy when you don't have to?
45:03||Season 6In this episode Dev is joined by Gagan Gupta, airline points strategist and Founder of Turn Left For Less (TLFL) which helps business owners and entrepreneurs convert their everyday business and personal spending into Business and First Class travel for less than the retail fare. Gagan touches on:๐ why businesses accumulate points a lot faster and how to maximise them๐๐ฝ why your power bill might already be earning you more than you think๐๐ป how a family of 4 flew Singapore Airlines business class to India for $600 cash๐๐พ what's not worth spending your airlines points on๐๐ฟ how to points stackPay.com.au link as discussed in the podcast: https://pay.com.au/turnleftforlessWhere you can connect with Gagan:https://www.tiktok.com/@turnleftforless747https://www.youtube.com/@turnleftforlesslanding.turnleftforless.comDev 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.
630 invest or pay off debt - what is the F2 rule?
15:51||Season 6Is it better to pay off your mortgage or invest the money instead? In todayโs episode Dev explains:๐๐พ invest or pay off debt? the mathematical solution๐๐ฟ the F2 rule - feelings vs finance๐๐ป behavioural finance๐ the 6% rule๐๐ผ real life examples on decision makingDev 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.
629 what is the homo economicus theory?
12:27||Season 6In this episode Dev unpacks:๐๐พ what are the principles of homo economicus๐ real life examples of homo economicus playing out in modern society๐๐ฟ what is behavioural finance๐๐ป what is neuroeconomicsDev 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.
628 LICs vs ETFs
15:35||Season 6In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers:๐๐พ what is an LIC vs what is an ETF?๐๐ฟ what is NTA (net tangible assets) vs NAV (net asset value)๐๐ป the pros and cons of each investment structure๐ the similarities and differences๐๐ผ Dev's bottom line verdict of which investment structure suits youDev 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.
627 investing for kids
22:33||Season 6In this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on: ๐๐พ the role of parents and parenting๐๐ฟ learning about tax for minors๐๐ป investing using your offset account๐ trust structures๐๐ผ investment bonds๐๐ฝ and super accounts for kidsDev 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.
626 from the vault: money mistakes by doctors
34:15||Season 6In todayโs episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making.Related episodes ๐ง117 what is automation?409 money mistakes by doctors part 2Dev 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.
625 from the vault: what is debt recycling?
30:00||Season 6In this episode from season 4, Dev breaks down the concept of 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 considerDev 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.
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.