Dev Raga Personal Finance

In today's episode we're covering 12 money pitfalls to avoid before and during retirement! Related listening 🎧028 what is sequence of returns risk?231-233 superannuation218 budgeting strategies037 what is the 4% withdrawal rule?309 private health insurance🛑 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.

Today we're unpacking the concept of commodities and if they are something investors can make money on. We touch on:👉🏾 what actually is a commodity?👉🏿 what is basis grade?👉🏻 various types of commodities👉 how are commodities traded👉🏼 what is the commodity price cycle?👉🏽 what determines their price👉🏾 is health care a commodity?Related listening 🎧056 what are derivatives (financial)?240 what is hedging?027 what is inflation and why is it important?🛑 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.

Have you ever heard of the pareto principle or the 80/20 rule? In today's episode Dev talks about:👉🏾 some listener feedback on ATO payment plans👉🏿 the pareto principle explained and how it applies to our everyday lives👉🏻 pros and cons of following the principle👉 the pareto efficiency explained 👉🏼 what is the production possibility frontier?👉🏽 and alternatives to pareto efficiency🛑 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.

Today we're unpacking the various types of financial markets and two methods used by sophisticated investors to analyse these financial markets.Related listening 🎧084 what is liquidity?033 index funds vs ETFs: which is better?222 stock market myths + wrap accounts115: what are stock buy backs?079 the pitfalls of passive investing!019 how to invest during volatile times202 bond yields, inflation + interest rates053 what are bonds? Are they good?056 what are derivatives (financial)?108 & 109 currency trading217 macro-economic vs micro-economic factors🛑 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.

Today we're discussing some of the financial lessons that we can learn from some of the wealthiest and broke athletes in the world. We look at both the pitfalls to avoid and the gold we can glean.🛑 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.

Retiring can be a difficult lifestyle transition after years in the workforce so it's important to start planning before you retire. Today we're unpacking the stages of retirement, touching on:👉🏾 what is retirement? 👉🏿 factors that might influence when you decide to retire👉🏻 the psychological impact of retiring👉 pre-planning👉🏼 the actual day👉🏽 the honeymoon period👉🏿 the business side👉🏾 reorganising your life👉🏻 the final phase👉 statistics🛑 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.

In today's episode we're diving deep into the world of private health insurance with a comprehensive break down of what it is and how it works. Dev talks about:👉🏾 what is private health insurance and what is it's benefit👉🏿 how bulk billing works👉🏻 why is health care becoming more expensive in Australia👉 the stealth health care tax we don't know about👉🏼 private health product tiers👉🏿 out of pocket expenses👉🏻 coverage, rebates & premiums👉 lifetime health cover loading👉🏼 Medicare levy and surcharge👉🏽 age based discount👉🏿 Dev's thoughtsResources mentioned: https://www.privatehealth.gov.au/Ten Golden Rules of Private Health Insurance🛑 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.

We're back with another Q&A! In today's episode Dev unpacks questions about:👉🏾 accrued leave, time in lieu & paid overtime👉🏿 financial implications of various medical careers / specialties👉🏻 how to charge a higher rate👉 hedged vs non-hedged ETFs👉🏼 LICs and DSSPsRelated listening 🎧118 what is DSSP?102 what is a dividend reinvestment plan (DRP)?065 dividends vs distributions031 what is dividend investing?020 what are franked dividends?036 listed investment companies (LICS)🛑 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.

In today's money wins episode we interview Dr Nick (name changed for anonymity), a millennial doctor and investor with a multi-million net worth. Nick shares his approach to spending, saving, investing and debt as well as his encouragement for medical students.🛑 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.

Today on the show Dev breaks down the supply chain phenomenon called the bullwhip effect, touching on:👉🏾 how supply chain dynamics work👉🏿 the bullwhip effect and what it indicates👉🏻 how to minimise the risk of the bullwhip effect occurring👉 vertical integration🛑 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.