Dev Raga Personal Finance

Dev discusses more strategies that can help to reduce tax, such as:👉🏾investment bonds👉super spousal contributions👉🏻property deductionsHere's 087 what are investment bonds?Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Need help budgeting? Check out The Glen James Spending Plan and use coupon code "m3m" to save $20:Are you a healthcare professional? Join our Facebook community! Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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 more tax efficiency tips! In this episode Dev discusses:👉dividends vs capital gains👉🏼trust structures👉🏽charitable donations👉🏿work related deductions👉🏻car related deductionsListen to part 1 of this series here.For more on tax deductions, go back and listen to episodes 94-99. Here's episode 94.Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3m" to save $20.Are you a healthcare professional? Join our Facebook community! Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

This is part 1 of a 3 part series on strategies to minimise tax. In this first episode Dev talks about:👉🏻salary packaging👉superannuation and maximising your concessional contributionsEpisode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a healthcare professional? Join our Facebook community!my millennial money medical is hosted by Dev Raga.For podcast resources, links to our stuff, disclaimer & warnings about this episode + more check out: https://www.mymillennial.money/m3m-shownotesWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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 an effort to diversify your assets, it's possible to end up 'diworsifying'. Dev unpacks exactly what this means, touching on:👉🏾diworsification vs diversification👉🏼how do you know if you are diworsifying?👉and how to minimise your risk of diworsifyingDev discusses efficient frontiers here: https://player.whooshkaa.com/episode?id=930845Check out eps 050 and 080 on asset allocation!Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a health care professional? Join our online community: https://www.facebook.com/groups/2261439930740208my millennial money medical is hosted by Dev Raga.Check out https://www.mymillennial.money/m3m-shownotes for our stuff, disclaimer, warnings about this episode, podcast resources + moreWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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 this episode, Dev talks about:👉🏽a Q from anon about super concessional contributions👉what is a bond?👉🏿what's inflation?👉🏻what are interest rates?👉🏾how are all these concepts related to each other?👉🏼examples to highlight these concepts!👉the inverted bond yield curve👉🏾fractional reserve banking!Episode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a healthcare professional? Join our Facebook community!Check out https://www.mymillennial.money/m3m-shownotes for our stuff, disclaimer, warnings about this episode, podcast resources + moreWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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 this episode, Dev unpacks:👉🏾what is pay yourself first?👉🏿a practical example👉🏻the power of automation👉does super count towards pay yourself money?👉🏼a simple way to build a long term portfolioEpisode transcripts: https://bit.ly/m3meptranscripts🛑 Please read the disclaimer on mymillennial.money or at the link below before listening to this episode.Are you a healthcare professional? Join our Facebook community!Check out https://www.mymillennial.money/m3m-shownotes for our stuff, disclaimer, warnings about this episode, podcast resources + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.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.

Hosted by Dev Raga and talking all things financial health and personal finance for healthcare professionals. Chat with us in the my millennial money medical Facebook group: https://www.facebook.com/groups/2261439930740208Any 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 this episode I share important news about the future of Dev Raga Personal Finance! The survey mentioned in this chat has now closed. Thanks to all who participated.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 this episode we answer a question about choice in investing and how to systematically approach it. Then we focus on the core concepts of speculation vs gambling, the similarities and differences. Well done Melbourne for coming out of lockdown!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 this episode we answer Dr Yud's question about constitutionally protected funds. We also talk about buyers agents, the pros and cons and what to consider when engaging one.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.