Dev Raga Personal Finance

In today's money wins episode Dev chats with Dr Ted, a junior doctor from Victoria. Ted and Dev discuss:👉🏾 tips for junior doctors & interns👉🏻 career pathways in medicine👉🏾 debt👉🏿 investing👉🏻 money tips👉 and more!🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join the mmm facebook group💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.

In today's episode we're continuing with part 2 of the interview with Captain FI chatting about:👉🏾 his investment strategy and income streams👉🏿 net worth and how he calculated his FI number👉🏽 his thoughts on "retiring early" 👉 + top tips from his personal finance journey🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join the mmm facebook group💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.

In today's episode, retired pilot Captain FI joins us for a special interview about his journey to reaching FIRE at the age of 30. In part 1 Captain FI shares about:👉🏿 his childhood and the lessons he learned about money👉🏻 his training and costs to become a pilot👉 airline perks👉🏽 are frequent flyer programs worth it?👉🏾 achieving an 80% savings rate and if it was worth it👉🏻 the negatives of being a pilot (some of these will surprise you!)Stay tuned for part 2 next week!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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 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 Hosted on Acast. See acast.com/privacy for more information.

In today's episode Dev explains how we experience accumulative advantage in everyday life and investing, also touching on the Matthew Effect and the concept of "winner takes all".📝 Episode transcriptsWe 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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 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 Hosted on Acast. See acast.com/privacy for more information.

Let's explore the fundamentals of what an index fund is, how they work and what to consider when choosing one. In this episode we cover:👉🏾 what is an index fund?👉🏿 what does the data say about active vs passive investing?👉🏻 your investment thesis👉🏼 are you a broad market or narrow market investor?👉🏽 local vs international👉 fund selection👉🏻 monitoring the fund investment👉 risks and pitfalls👉🏼 the index fund bubble - is it a risk?👉🏽 Dev's personal view on index funds📝 Episode transcriptsWe 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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 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 Hosted on Acast. See acast.com/privacy for more information.

It's that time of year again, the annual EV update. Today's episode gets into the ins and outs of owning a Tesla Model 3 touching on:👉🏾 purchase price👉🏿 cost of electricity vs fuel👉 wear and tear👉🏻 autopilot👉🏽 tyre change & servicing costs👉🏿 the annoying & brilliant bits of the car👉 EV road tax👉🏼 charging infrastructure👉🏽 thoughts on going back to an ICE car👉🏾 EV discounts with respect to FBT👉🏿 comparing the cost breakdownDr CY's EV novated lease calculator (Make a copy to use)Related episodes 🎧058 the economics of electric cars!095 what are vehicle related expenses?093 EV cost analysis: 12 months of driving a Tesla123 EVs: 100,000km Tesla Model 3 update225 EVs: 150,000km Tesla Model 3 update🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join the mmm facebook group💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.

Today's episode is part 2 of our chat with Jason and Matt from MissionMed about getting into medical school. Make sure to listen to last week's episode to catch the first part if you missed it! In this episode we talk about:👉🏾 do Jason and Matt invest?👉 are there any scholarships for med school?👉🏼 HECS/ HELP debt👉🏽 private school vs public school vs selective school👉🏾 when should students start preparing for med school👉🏿 getting into med school later in life with a post grad pathway👉🏻 and advice for aspiring students who want to become a doctorLearn more about MissionMed: https://missionmed.com.au/The book mentioned in the chat can no longer be bought separately but below are some other resources you might find helpful.JCU Application Guide: https://missionmed.com.au/learn/jcu-written-application-guide/UNSW Application Guide: https://missionmed.com.au/learn/unsw-written-application-guide/UNSW Medicine ATAR + UCAT Requirements: https://missionmed.com.au/learn/unsw-medicine-atar-ucat-requirements-2023/🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join the mmm facebook group💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.

Due to plenty of interest in this topic we are taking a break from money to chat about getting into med school in this two-part discussion with Jason and Matthew from MissionMed. In this episode we touch on:👉🏻 the entrance process for undergrad and postgrad pathways👉 good skills to have and develop👉🏼 what are the UCAT and UMAT and how do they work👉🏽 what to expect and how to succeed in medical interviews👉🏿 Jason and Matthew's tips and learnings👉🏾 what MissionMed does🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join the mmm facebook group💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.

If you've heard the term intrinsic value mentioned by investors like Warren Buffet but not known what it meant, today we're breaking down the concept. In this episode we cover:👉🏻 quantitative analysis👉 qualitative analysis👉🏼 discounted cash flow analysis👉🏽 weighted avg cost of capital (WACC)👉🏾 a worked example of DCF analysis👉🏿 and of course what is intrinsic valueRelated listening 🎧077 what is price to earnings ratio (P/E)?078 what is price to book ratio (P/B)?🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.

Dev recently took a holiday and had a great experience with private tour company ForeverVacation so he invited co-founder and CEO Ben Dolgoff onto the show as a guest. In this chat Dev and Ben touch on:👉🏾 Ben's story and background prior to starting the company👉🏿 Dev's experience👉🏻 Forever Vacation's unique tour style👉 their money back guarantee policy👉🏼 what to consider if you're planning a tour and looking for a company + moreLearn more about ForeverVacation: https://forevervacation.com/🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join our facebook group for healthcare professionals💸 Quick links to our resources and $20 off The Glen James Spending Planmy millennial money professional is produced by SYMO interactive, home of my millennial money.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 Hosted on Acast. See acast.com/privacy for more information.