Dev Raga Personal Finance

By Dev Raga

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Category: Investing

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Subscribers: 59
Reviews: 2
Episodes: 342

Adrian
 Dec 2, 2021
excellent content explained in a way it can be understood by non finance people keep up the great podcasts


 Jan 1, 2021

Description

Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.


Formerly named my millennial money professional


Hosted on Acast. See acast.com/privacy for more information.


Episode Date
539 Kabhir’s IMG journey: settling in, GP life, buying a home + money tips (part 2)
Sep 30, 2025
538 Kabhir’s IMG journey: medical training in Pakistan & starting out in Australia (part 1)
Sep 23, 2025
537 what is lifestyle creep and how to manage it
Sep 16, 2025
536 JL Collins on market crashes, asset allocation & legacy wealth (part 2)
Sep 09, 2025
535 JL Collins on debt, housing myths & why simplicity wins (part 1)
Sep 02, 2025
534 what is depreciation?
Aug 26, 2025
533 concessional contributions are maxed, div 296 tax + how much do I need to retire with Vince Scully (part 2)
Aug 19, 2025
532 invest vs pay mortgage, borrowing for cars, pay off or leave HELP debt + more with Vince Scully (part 1)
Aug 12, 2025
531 what is capital gains tax?
Aug 05, 2025
530 what is opportunity cost?
Jul 29, 2025
529 the 5 fundamental rules every smart investor follows
Jul 15, 2025
528 Stockholm syndrome in investing
Jul 08, 2025
527 lessons from 50 years of investing (with a retired GP!)
Jul 01, 2025
526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more
Jun 24, 2025
525 what is strategic asset allocation (SAA)?
Jun 17, 2025
524 superannuation changes coming July 2025
Jun 10, 2025
523 tax tips to maximise EOFY savings
Jun 03, 2025
522 Stockspot super deep dive (with CEO Chris Brycki)
May 27, 2025
521 risk, return and volatility
May 20, 2025
520 what is the div 296 tax?
May 13, 2025
519 what is a listed investment company (LIC)?
May 06, 2025
518 investment bonds (with Generation Life CEO, Felipe Araujo)
Apr 29, 2025
517 why this American doctor left it all behind for Australia: Dr Carmen's story
Apr 22, 2025
516 types of debt & what is debt recycling
Apr 15, 2025
515 what is a doom loop?
Apr 08, 2025
514 dentistry, insights into practice ownership & building wealth: Vanessa’s story
Apr 01, 2025
513 will the 4% rule actually work for your retirement?
Mar 25, 2025
512 lessons from a junior doctor: saving, investing & buying a home
Mar 18, 2025
511 timeless principles of investing
Mar 11, 2025
510 from divorce to financial freedom: Sarah’s story
Mar 04, 2025
509 the two income trap: why earning more isn’t always better
Feb 25, 2025
508 the psychology of retirement (with Prof. Joanne Earl)
Feb 18, 2025
507 the paradox of thrift
Feb 11, 2025
506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)
Feb 04, 2025
505 is FIRE even possible with a family? I talk with Cam & Trish
Jan 28, 2025
504 trade wars and taxes: making sense of tariffs
Jan 21, 2025
503 demystifying dividends: how they work and why they matter
Jan 14, 2025
502 how to maximise pay day
Jan 07, 2025
501 becoming a multimillionaire: the habits that build wealth
Dec 31, 2024
best of 2024: achieving F.I.R.E at a young age (an interview with Dave Gow of Strong Money Australia)
Dec 24, 2024
best of 2024: the experience of owning a Tesla ( an interview with an EV youtuber)
Dec 17, 2024
448 how arbitrage works?
Dec 10, 2024
447 understanding SMSFs: how they work, the costs, risks, challenges + more
Dec 03, 2024
446 what is Benner's cycle?
Nov 26, 2024
445 invest smarter with automation, low fees, and the power of a financial community
Nov 19, 2024
444 money, leadership + medical exam tips with a hospital executive director
Nov 12, 2024
443 the quick start guide to investing with Glen James!
Nov 05, 2024
442 superannuation part 2 - retirement phase
Oct 29, 2024
441 superannuation part 1: accumulation phase
Oct 22, 2024
440 sequence of returns risk & how it affects your retirement
Oct 15, 2024
439 retirement living options, preparing for aged care + preparing financially
Oct 08, 2024
438 what is Stockspot and how can it automate your investing?
Oct 01, 2024
437 retirement withdrawal strategy and the Guyton Klinger principle
Sep 24, 2024
436 GP balancing act: patients, procedures and money
Sep 17, 2024
435 what it takes to be a surgeon + navigating money
Sep 10, 2024
434 dollar cost averaging 101
Sep 03, 2024
433 the side hustling GP + transitioning as an international medical graduate in WA
Aug 27, 2024
432 using AI in the medical industry
Aug 20, 2024
431 binding financial agreements (a deep dive with a family lawyer + mediator part 2)
Aug 13, 2024
430 divorce; kids and separation (deep dive with family lawyer + mediator)
Aug 06, 2024
429 achieving F.I.R.E. at a young age (an interview with Dave Gow of Strong Money Australia)
Jul 30, 2024
428 economics of EVs: Tesla M3 265,000km - the end!
Jul 23, 2024
427 Vanguard Super deep dive
Jul 16, 2024
426 full-time locuming, choosing a subspecialty, side hustling + more (a chat with Dr Chris)
Jul 09, 2024
425 passive income as a doctor, reaching financial literacy, locuming + more (a chat with Dr Dan)
Jul 02, 2024
424 what are REITs
Jun 25, 2024
423 the experience of owning a Telsa (interview with an EV YouTuber)
Jun 18, 2024
422 money & investing as a doctor in the US
Jun 11, 2024
421 drawing down on your portfolio in retirement (Q&A with Vince Scully) part 2
Jun 04, 2024
420 what a financial adviser does and the cost + tools for portfolio building (Q&A with Vince Scully) part 1
May 28, 2024
419 buyer’s agent Q&A: residential & commercial property with John Pidgeon from this is property
May 21, 2024
418 what is a 360 review?
May 14, 2024
417 how does an airline vlogger make money and invest?
May 07, 2024
416 fixed vs variable, redraw vs offset, commercial loans, preparing to meet a broker + more (Q&A with a mortgage broker)
Apr 30, 2024
415 Q&A: overtime, burn out, property v shares, productive assets and more
Apr 23, 2024
414 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 2
Apr 16, 2024
413 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 1
Apr 09, 2024
412 will and estate planning (Q&A with a lawyer) part 2
Apr 02, 2024
411 will and estate planning (Q&A with a lawyer) part 1
Mar 26, 2024
410 an interview with AG (alternative investments, day trading + more)
Mar 19, 2024
409 money mistakes by doctors - part 2
Mar 12, 2024
408 money mistakes by doctors - part 1
Mar 05, 2024
407 buying commercial property
Feb 27, 2024
406 what is a share buy back?
Feb 20, 2024
405 what is debt recycling?
Feb 13, 2024
404 an interview with Dr VJ (Renal Fellow)
Feb 06, 2024
403 redundancy insurance, sole traders & tax, income protection inside vs outside super + more
Jan 30, 2024
402 an interview with Balaji Gopal from Vanguard Australia
Jan 23, 2024
401 what is downside risk?
Jan 16, 2024
top episode: money in your 40s & 50s
Jan 09, 2024
top episode: money in your 30s
Jan 02, 2024
top episode: money in your 20s
Dec 26, 2023
351 what is rightsizing?
Dec 19, 2023
350 what is downsizing in business?
Dec 12, 2023
349 an interview with RACGP President Dr Nicole Higgins (cost of health care, workforce challenges + more)
Dec 05, 2023
348 income per unit time vs income per unit effort
Nov 28, 2023
347 credit ratings and agencies
Nov 21, 2023
346 bond basics
Nov 14, 2023
345 an interview with Dr Tony Chen part 2 (travel philosophy, tips & hacks)
Nov 07, 2023
344 an interview with Dr Tony Chen part 1 (radiology, childhood, why he doesn't invest in super + more)
Oct 31, 2023
343 what is the Dunning-Kruger effect?
Oct 24, 2023
342 teaching kids about money, defined benefit scheme & what is income protection
Oct 17, 2023
341 is debt consolidation a good idea?
Oct 10, 2023
340 what is the three bucket strategy?
Oct 03, 2023
339 ten rules for investors
Sep 26, 2023
338 the impact of investment fees
Sep 19, 2023
337 saving vs investing
Sep 12, 2023
336b an interview with Dr Dean part 2
Sep 06, 2023
336 an interview with Dr Dean part 1
Sep 05, 2023
335 salary packaging & HECS, rising health care costs, elective egg freezing + more
Aug 29, 2023
334 investment bonds, investing via a trust, tips for graduates + more
Aug 22, 2023
333 an interview with Owen Rask part 2 (value investing, index fund bubble + more)
Aug 15, 2023
332 an interview with Owen Rask part 1
Aug 08, 2023
331 an interview with Kate Campbell
Aug 01, 2023
330 game theory and investments
Jul 25, 2023
329 money wins: an interview with Dr Ted
Jul 18, 2023
328 an interview with Captain FI part 2
Jul 11, 2023
327 an interview with Captain FI part 1
Jul 04, 2023
326 what is accumulative advantage?
Jun 27, 2023
325 how to choose an index fund
Jun 20, 2023
324 EVs: 200,000km Tesla Model 3 update
Jun 13, 2023
323 getting into medical school part 2
Jun 06, 2023
322 getting into medical school part 1
May 30, 2023
321 what is intrinsic value?
May 23, 2023
320 an interview with Ben from Forever Vacation
May 16, 2023
319 home and contents insurance
May 09, 2023
318 side hustle ideas, money tips for junior professionals, retirement super balance + more
May 02, 2023
317 what is an inverted yield curve?
Apr 25, 2023
316 money wins: an interview with Luke
Apr 18, 2023
315 retirement money mistakes
Apr 11, 2023
314 what is a commodity?
Apr 04, 2023
313 what is the pareto principle?
Mar 28, 2023
312 fundamental vs technical analysis of shares
Mar 21, 2023
311 financial lessons from athletes
Mar 14, 2023
310 the stages of retirement
Mar 07, 2023
309 private health insurance
Feb 28, 2023
308 accrued leave vs overtime, charging what you’re worth, hedging, LICs + more
Feb 21, 2023
307 money wins: an interview with Dr Nick
Feb 14, 2023
306 what is the bullwhip effect?
Feb 07, 2023
305 types of economic recoveries
Jan 31, 2023
304 buying a home or investment property
Jan 24, 2023
303 can money buy happiness?
Jan 17, 2023
302 recessions, depressions, causes, protections
Jan 10, 2023
301 calculating returns
Jan 03, 2023
255b an interview with Ryan about locuming pt 2 (rates, locum overseas, non doctor locuming + more)
Dec 28, 2022
255 an interview with Ryan about locuming pt 1 (working with agencies, onboarding, travel allowance + more)
Dec 27, 2022
254 money wins: an interview with Maz
Dec 20, 2022
253 locum work, transferring property to family, my portfolio has lost money, salary packaging + more
Dec 13, 2022
252 DCA vs lump sum investing, careers outside of clinical work, ATO payment plans + more
Dec 06, 2022
251 car insurance tips
Nov 29, 2022
250 an interview with Aussie Firebug part 2
Nov 22, 2022
249 an interview with Aussie Firebug part 1
Nov 15, 2022
248 what is stagflation?
Nov 08, 2022
247 money wins: an interview with Harry
Nov 01, 2022
246 money in your 60s and beyond
Oct 25, 2022
245 money in your 40s and 50s
Oct 18, 2022
244 money in yours 30s
Oct 11, 2022
243 money in yours 20s
Oct 04, 2022
242 an interview with Dr Tyron March
Sep 27, 2022
241 what is an annuity
Sep 20, 2022
240 what is hedging?
Sep 13, 2022
239 what is due diligence?
Sep 06, 2022
238 divorce vs separation, property settlement, parenting arrangements
Aug 30, 2022
237 what are reverse mortgages?
Aug 23, 2022
236 Q&A: wealth building strategies, money in super or offset, tax deductions + more
Aug 16, 2022
235 Q&A: working rurally, property vs shares, BAS, GST & sole trader income
Aug 09, 2022
234 an interview with JL Collins
Aug 02, 2022
233 superannuation part 3
Jul 26, 2022
232 superannuation part 2
Jul 19, 2022
231 superannuation part 1
Jul 12, 2022
230 what are biases & how do they affect your investing?
Jul 05, 2022
229 how to pick a stock broker
Jun 28, 2022
228 what is modern portfolio theory?
Jun 21, 2022
227 tax time Q&A with an accountant
Jun 14, 2022
226 singles and money
Jun 07, 2022
225 EVs: 150,000km Tesla Model 3 update
May 31, 2022
224 what is net asset value (nav) + using a non-bank lender
May 24, 2022
223 burnout, self care + defence housing
May 17, 2022
222 stock market myths + wrap accounts
May 10, 2022
221 couples and money
May 03, 2022
220 practice ownership: things to consider!
Apr 26, 2022
219 Q&A: risk profiles, borrowing to invest, life insurance, parental leave, planning for kids + more
Apr 19, 2022
218 budgeting strategies
Apr 12, 2022
217 macro-economic vs micro-economic factors
Apr 05, 2022
216 active vs passive income
Mar 29, 2022
215 Q&A: investment property costs, burnout, ethics + more
Mar 22, 2022
214 what is the bid-ask spread?
Mar 15, 2022
213 debt repayment strategies
Mar 08, 2022
212 investing truths
Mar 01, 2022
211 property covenants, zonings, overlays
Feb 22, 2022
210 what is a margin of safety?
Feb 15, 2022
209 what is a financial bubble?
Feb 08, 2022
208 what is a prenuptial or binding financial agreement?
Feb 02, 2022
207 invest or pay off debt
Jan 25, 2022
206 what is tax efficiency part 3
Jan 18, 2022
205 what is tax efficiency part 2
Jan 11, 2022
204 what is tax efficiency part 1
Jan 04, 2022
203 what is diworsification?
Dec 28, 2021
202 bond yields, inflation + interest rates
Dec 21, 2021
201 pay yourself first
Dec 14, 2021
welcome to my millennial money medical
Dec 13, 2021
136 important announcement!
Dec 08, 2021
135 gambling vs speculation!
Nov 17, 2021
134 what are CP funds? What is a buyers agent?
Nov 07, 2021
133: is inflation a problem?
Oct 21, 2021
132 what is the rule of 72?
Oct 10, 2021
bonus: Evergrande crisis explained!
Sep 29, 2021
131 shares vs property!
Sep 28, 2021
130 what is asset protection?
Sep 15, 2021
129 Q&A session!
Sep 04, 2021
128 other options to bankruptcy?
Aug 29, 2021
127 what is bankruptcy?
Aug 19, 2021
126 what is asset liability matching?
Aug 12, 2021
125 what is de-accumulation phase?
Jul 28, 2021
124 growth vs value investing
Jul 08, 2021
123 EVs: 100,000km Tesla Model 3 update
Jun 30, 2021
122 what is Kelly criterion? Late starters?
Jun 20, 2021
121 what is pet insurance?
Jun 15, 2021
120 what is div 293? The sneaky tax!
Jun 08, 2021
119 getting a pet, the cost breakdown!
Jun 01, 2021
118 what is DSSP?
May 21, 2021
117 what is automation?
May 03, 2021
116 savings rate vs investment returns!
Apr 17, 2021
115: what are stock buy backs?
Apr 13, 2021
114 investing for kids!
Apr 07, 2021
113 types of fraud part 2/2?
Mar 26, 2021
112 types of fraud part 1/2!
Mar 19, 2021
111 what are rent to own home schemes?
Mar 06, 2021
110 what is rentvesting?
Mar 03, 2021
109 currency trading part 2/2
Feb 19, 2021
108 currency trading part 1/2
Feb 12, 2021
107 investment property deductions!
Feb 05, 2021
106 Gamestop, my thoughts!
Jan 29, 2021
Q&A: 10 common questions!
Jan 23, 2021
105 what is salary packaging?
Jan 21, 2021
104 how are indexes weighted?
Jan 12, 2021
bonus: money lessons from 2020!
Dec 31, 2020
103 points, percentages, basis points!
Dec 22, 2020
102 what is a dividend reinvestment plan (DRP)?
Dec 15, 2020
101 what are market cycles?
Dec 08, 2020
100 back to basics! My story!
Dec 01, 2020
099 little known deductions!
Nov 17, 2020
098 what are self education expenses, tools/equipment?
Nov 10, 2020
097 what are home office deductions (Covid 19 period inclusive)?
Nov 04, 2020
bonus: markets and presidential elections
Oct 30, 2020
096 work related clothing expenses
Oct 27, 2020
095 what are vehicle related expenses?
Oct 20, 2020
094 income and deductions!
Oct 13, 2020
093 EV cost analysis: 12 months of driving a Tesla
Oct 06, 2020
092 angel investing vs venture capital
Sep 16, 2020
091 investing in bull and bear markets!
Sep 08, 2020
090 having a written financial plan
Sep 01, 2020
bonus: Dr David Keir (Dental Head Start) interview with Dev Raga (3.8.2020)
Aug 27, 2020
089 prospect theory and disposition effect?
Aug 25, 2020
088 what is utility theory?
Aug 18, 2020
087 what are investment bonds?
Aug 11, 2020
086 what is Bitcoin?
Jul 28, 2020
085 what is blockchain?
Jul 21, 2020
084 what is liquidity?
Jul 16, 2020
083 what is an IPO?
Jun 30, 2020
082 aim for $1.6million in retirement!
Jun 23, 2020
081 is this a bull trap?
Jun 16, 2020
080 asset allocation strategies and rebalancing
Jun 09, 2020
079 the pitfalls of passive investing!
Jun 02, 2020
078 what is price to book ratio (P/B)?
May 26, 2020
077 what is price to earnings ratio (P/E)?
May 19, 2020
076 what are corporate actions?
May 12, 2020
075 what is financial risk?
May 05, 2020
074 what is SRI and ethical investing?
May 03, 2020
073 how to measure your financial security?
Apr 28, 2020
072 what is short selling?
Apr 21, 2020
071 what is quantitative easing? Tesla update!
Apr 17, 2020
070 recessions and depressions!
Apr 08, 2020
069 what are annuities?
Mar 26, 2020
068 markets and pandemics!
Mar 10, 2020
067 what is behavioural finance?
Feb 20, 2020
066 income protection changes may come!!
Feb 06, 2020
065 dividends vs distributions
Jan 23, 2020
064 what is capital gains and losses?
Jan 02, 2020
063 fees, fees, fees part 2!
Dec 19, 2019
062 what is PSI?
Dec 05, 2019
061 what is a trust?
Nov 21, 2019
060 choosing a real estate agent
Nov 14, 2019
059 is private health insurance worth it?
Nov 07, 2019
058 the economics of electric cars!
Oct 24, 2019
057 what is a credit report and a credit score?
Oct 17, 2019
056 what are derivatives (financial)?
Oct 10, 2019
055 there is a recession coming!
Sep 12, 2019
054 is gold a good investment?
Sep 02, 2019
053 what are bonds? Are they good?
Aug 29, 2019
052 cash flow, profit, line of credit!
Aug 22, 2019
051 what is an SMSF? Worth it?
Aug 16, 2019
050 the importance of asset allocation
Aug 08, 2019
049 leverage vs margin!
Aug 01, 2019
048 risk vs volatility!
Jul 25, 2019
047 it's been 1 year already!!!
Jul 18, 2019
046 what is a financial alpha? Are financial advisers worth it?
Jul 08, 2019
045 what are REITs?
Jul 04, 2019
044 happy new financial year!
Jun 30, 2019
043 40 year mortgages!! What is loss aversion?
Jun 28, 2019
042 what is land to asset ratio? Is it important?
Jun 24, 2019
041 factor investing, it's all the rage!
Jun 16, 2019
040 what is the 28/36 rule?
Jun 10, 2019
039 what is a robo-advisory service?
Jun 06, 2019
038 what is an economic moat?
May 27, 2019
037 what is the 4% withdrawal rule?
May 24, 2019
036 listed investment companies (LICS)
May 13, 2019
035 travel and finance
May 07, 2019
034 revisit wills, investment properties
Apr 26, 2019
033 index funds vs ETFs: which is better?
Apr 06, 2019
032 what is lifestyle creep?
Apr 04, 2019
031 what is dividend investing?
Apr 02, 2019
030 what is debt consolidation? Is it dangerous?
Mar 28, 2019
029 buying a car? Some basic things to consider!
Mar 21, 2019
028 what is sequence of returns risk?
Mar 10, 2019
027 what is inflation and why is it important?
Mar 05, 2019
026 what is arbitrage?
Feb 26, 2019
025 behavioural finance, buy v rent, Royal Commission findings
Feb 18, 2019
024 emergency funds, good debt v bad debt
Feb 11, 2019
023 kids and money!
Feb 04, 2019
022 successful habits and no spend challenges
Jan 29, 2019
021 what is FIRE? What is debt recycling?
Jan 21, 2019
020 what are franked dividends?
Jan 01, 2019
019 how to invest during volatile times
Dec 11, 2018
018 what is opportunity cost?
Nov 29, 2018
017 property market doom and gloom!
Nov 16, 2018
016 dollar cost what?
Nov 03, 2018
015 common investing mistakes
Nov 03, 2018
014 do you have a will?
Sep 06, 2018
013 superannuation tips and tricks!!
Aug 23, 2018
012 invest or pay off debt?
Aug 15, 2018
011 buy a home with your head, not your heart!
Aug 11, 2018
010 retiring wealthy? But how?
Aug 07, 2018
009 active vs passive investing
Jul 31, 2018
008 budgeting strategies explained
Jul 29, 2018
007 debt paying strategies
Jul 27, 2018
006 fees, fees, fees!!
Jul 26, 2018
005 protect yourself: let's talk personal insurance
Jul 24, 2018
004 I've paid myself 20%, then what?
Jul 21, 2018
003 who I listen to
Jul 21, 2018
002 mortgage tips and tricks
Jul 21, 2018
001 power of automatic savings and compounding
Jul 21, 2018