Dev Raga Personal Finance

In today’s episode, Dev explains habits and principles that can lead to financial success and stability, touching on:👉🏿 protect your downside risk👉🏻 avoid unnecessary debt👉 drive an average car👉🏼 live modestly👉🏽 exercise regularly👉🏿 rise early to make the most of the day👉🏻 diversify your income and investments👉 set long-term goals to guide your decisions👉🏼 be frugal without being cheap👉🏽 develop an appetite for learning and seek mentorshipRelated episodes 🎧👇413 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 1414 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 2024 emergency funds, good debt v bad debtWe hate email spam so we don’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.

While we’re on a break, here’s a fan-favourite episode to keep you companyIn today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on:👉🏾 savings rate?👉🏿 property vs shares👉🏻 financial independence retire early (F.I.R.E) principles👉 debt and recycling👉🏼 superannuation👉🏽 children and financial independence👉🏾 approach to investing👉🏿 money winsWe hate email spam so we don’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.

While we’re on a break, here’s a fan-favourite episode to keep you company. We’re bringing back this gem from earlier in the year – enjoy.Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode he focuses on the economics of EVs, and whether it makes sense to purchase EVs in a high cost of living climate. He touches on:👉🏿 petrol/diesel prices👉🏻 servicing costs👉 all the features EV's offer👉🏼 the annoying bits of Model 3And by the time this episode has aired, Dev has traded it in for a new Model 3 2024 model.Related 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 updateWe hate email spam so we don’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.

In today’s episode Dev explains arbitrage, touching on:👉🏾 what is arbitrage?👉🏿 what is an efficient market hypothesis?👉🏻 what is arbitrage pricing theory?👉 the various types of arbitrage?👉🏼 some specifics of arbitrage?Related episodes 🎧👇026 what is arbitrage?We hate email spam so we don’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.

In today’s episode Dev interviews Alex Luck of Everest Wealth, touching on:👉🏾 what is an SMSF?👉🏿 what can I do with SMSF that I can't do with normal industry super/retail funds👉🏻 fees associated👉 at what value is an SMSF cost effective?👉🏼 what about rules and taxes?👉🏽 what happens if some people in accumulation phase, and others in retirement phase?👉🏾 do all members have to be invested in same asset class?👉🏿 what about insurance?👉🏻 who is responsible for investment decisions?👉 what happens in marriage breakdown or death of a member?👉🏼 how do you wind it down?👉🏽 what happens if you breach the strict super laws since you are on your own?Alex LuckEverest Wealth (everestwealthgroup.com.au)Instagram (@everestwealth)We hate email spam so we don’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.

In today’s episode Dev explains Benner's Cycle touching on:👉🏾 what is Benner's cycle?👉🏿 what is a market cycle?👉🏻 stages of a market cycle?👉 examples of a Benner's cycle predictionsWe hate email spam so we don’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.

In today’s episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on:👉🏾 how long has Pearler been around?👉🏿 what investments are available?👉🏻 what is HIN (holder identification number)?👉 what is the fee structure?👉🏼 understanding their automation👉🏽 support - tech and non-tech👉🏾 what happens when Pearler goes bankrupt?https://pearler.com/We hate email spam so we don’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.

In today’s episode Dev interviews Dr. George Eskander, touching on:👉🏾 what does an executive do?👉🏿 his journey and training into his role?👉🏻 what other career options do executives have?👉 how does your day look like?👉🏼 junior doctors, pay and culture👉🏽 his side hustle - PassGP👉🏾 investing philosophy👉🏿 money winsDr. George Eskandergeorge.eskander@doctors.org.ukPassGP.au https://www.passgp.au/dev-raga-personal-financeWe hate email spam so we don’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.

In today’s episode Dev interviews Glen James, touching on:👉🏾 why write a book?👉🏿 how does your book differ from other investing books? 👉🏻 who is Nick Bradley?👉 why are behaviours important?👉🏼 tell us about your 40% loss of investments as an 18-year-old 👉🏽 contrarian views - go through each oneWe hate email spam so we don’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.