Dev Raga Personal Finance

In 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 Carmen’s 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:👉🏾 her med school journey👉🏿 why Carmen decided to leave the US👉🏻 key differences between the US and Aussie healthcare system👉 what loan forgiveness is in the US and who's eligible👉🏼 pay, student loans & insurance differences👉🏽 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 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.

Let's talk about debt! Dev covers:👉🏿 what is debt?👉🏻 deductible vs non deductible debt👉 what is debt recycling👉🏼 the pros and cons of debt recyclingWe 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 unpacks the concept of a doom loop, touching on:👉🏿 what it is and how it works👉🏻 what is a flywheel effect?👉 the main causes👉🏼 and how to break the doom loopWe 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 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 it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for privacy. Her journey includes:👉🏾 getting into dental school & early career challenges👉🏿 private vs public dentistry: work, income & opportunity👉🏻 practice ownership, staff management & overheads👉 profit margins, fee structures & how dentists actually get paid👉🏼 buying her own premises & why it mattered👉🏽 learning the business side of dentistry👉🏾 how Vanessa invests👉🏿 decisions around insurances, SMSF & estate planningEpisode mentioned in the chat:Listen: 🎧 506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)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.

The 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:👉🏻 why the 4% rule was created and if it still works today👉 how market downturns and fees can derail your retirement👉🏼 the hidden power of paying off your mortgage before retiring👉🏽 asset allocation strategies to make your money last longer📝 Episode transcripts 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.

Jeff* 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 that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on:👉🏾 the cost of private medical school & fee-help loans👉🏿 moving for work & how it shaped his career👉🏻 current income, outgoings & savings rate👉 using doctor-specific home loans to buy a property👉🏼 his investment strategy & approach to FIRE👉🏽 money wins & lessons learned so farWe 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.

Some investing strategies come and go, but the best ones stand the test of time. In today's episode Dev shares 5 timeless investing principles to help you build lasting wealth, including:👉🏾 having a clear financial plan👉🏿 why diversification is key👉🏻 minimising your investment costs👉 having a long-term perspective👉🏼 and knowing when to stop playing the game📝 Episode transcripts 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.

Today's episode is a special one as Dev sits down with Sarah*, a GP who shares her deeply personal and inspiring journey with money. Sarah shares how an arranged marriage ended in divorce and how she rebuilt financial freedom for herself and her children. *Name has been changed for privacy. Sarah's story touches on:👉🏾 her med school journey in the UK👉🏿 growing up with a scarcity mindset in an immigrant family👉🏻 entering an abusive arranged marriage at a young age👉 how divorce impacted her finances and career👉🏼 plus how she rebuilt both as a single parent👉🏽 using property and super to build long-term wealth👉🏾 why she prioritised her will and estate planning, post-divorceIf you or someone you know is experiencing domestic or financial abuse, there is help at https://1800respect.org.auWe 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.

More income, more security...right? Not always. In this episode, Dev unpacks the "two-income trap," a concept made famous by Elizabeth Warren, and why earning more doesn’t always mean financial freedom. He touches on:👉🏾 what the two-income trap is and why it matters👉🏿 how rising fixed costs (housing, childcare) eat away at extra income👉🏻 why dual-income households can still face financial stress👉 whether staying home with kids should be considered "paid work"👉🏼 practical ways to avoid falling into the two-income trap👉🏽 plus, is it okay to borrow money to buy Christmas presents?📝 Episode transcripts 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.