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PODCAST

Dev Raga Personal Finance

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.

business investing

All Episodes

1:03:16

404 an interview with Dr VJ (Renal Fellow)

Dev Raga Personal Finance ·

2024/02/06

In today’s episode Dev interviews renal fellow, Dr. VJ touching on:👉🏾 his income👉🏿 his savings rate👉🏻 locuming👉 his view on debt👉🏼 personal insurance👉🏽 kids and public vs private school👉🏾 retirement strategy👉🏿 and money winsWe 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

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24:13

403 redundancy insurance, sole traders & tax, income...

Dev Raga Personal Finance ·

2024/01/30

In this episode, Dev answers your questions:👉🏾 how do you balance ethical practice, making enough money, and pursuing your own passions?👉🏿 what is redundancy insurance?👉🏻 sole trader tips for managing money owed to the ATO👉 income protection inside super vs outside superWe 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

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58:29

402 an interview with Balaji Gopal from Vanguard...

Dev Raga Personal Finance ·

2024/01/23

In this episode Dev has a chat with Balaji Gopal from the Head of Distribution & Financial Adviser Services at Vanguard Australia. Dev and Balaji discuss:👉🏾 the Vanguard Personal Investor platform👉🏿 the cost of Australian funds vs US funds👉🏻 is Vanguard chess-sponsored and if not, why?👉 does it cost money to hold money in the cash account?👉🏼 the auto-invest feature👉🏽 why is there a lag between direct debt of money and landing into investments?👉🏾 is a parallel auto invest feature

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21:07

401 what is downside risk?

Dev Raga Personal Finance ·

2024/01/16

Welcome to a new season, and a new name! Long time listeners might find it familiar...😉 In this episode Dev unpacks the concept of downside risk, touching on:👉🏾 what is downside risk and the essential components👉🏿 how to measure it👉🏻 how to protect yourself against it👉 and the pros and cons of risk protectionRelated links:A good overview of downside riskA basic understanding and a calculation exampleSortino Ratio Calculator (advanced method)Related episodes 🎧240 what is hedging?056 what are

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40:44

top episode: money in your 40s & 50s

Dev Raga Personal Finance ·

2024/01/09

In todays episode replay, Dev shares some money moves to consider making in your 40s and 50s, including:👉🏾 managing debt👉🏿 reviewing your net worth to see if you are you on track👉🏻 preserving and protect your wealth👉 pumping that superannuation fund!👉🏼 determining how much you need in retirement👉🏽 work choices and children's needsRelated listening 🎧238 divorce vs separation, property settlement, parenting arrangements080 asset allocation strategies and rebalancing📝 Episode transcriptsWe

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48:40

top episode: money in your 30s

Dev Raga Personal Finance ·

2024/01/02

In today's top episode replay Dev shares 6 money milestones for those in their 30s, including:👉🏾 getting personal insurance, private health insurance and investing in yourself👉🏿 defining your goals and making a written financial / investing plan👉🏻 sorting your will and estate planning👉 avoiding lifestyle creep👉🏼 maximising your income - 3 A's to focus on👉🏽 buying productive assetsRelated episodes you may want to check out after listening to this episode 🎧007 debt paying strategies066

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43:46

top episode: money in your 20s

Dev Raga Personal Finance ·

2023/12/26

Happy holidays, we're bringing back a listener favourite! In today's episode replay Dev suggests 6 money tips to master in your 20s.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

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20:20

351 what is rightsizing?

Dev Raga Personal Finance ·

2023/12/19

In this episode Dev explains the concept of right sizing, including: 👉🏾 methods of rightsizing👉🏿 the steps involved👉🏻 the pros and cons📝 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

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22:40

350 what is downsizing in business?

Dev Raga Personal Finance ·

2023/12/12

In this episode Dev explains the concept of downsizing as it relates to businesses and companies, touching on:👉🏻 examples👉 reasons for downsizing👉🏼 types of mergers and acquisition👉🏽 pros & cons👉🏾 and downsizing strategies📝 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),

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39:55

349 an interview with RACGP President Dr Nicole...

Dev Raga Personal Finance ·

2023/12/05

In this episode Dev chats with Dr Nicole Higgins, President of the Royal Australian College of General Practitioners (RACGP). They touch on:👉🏾 a bit about Dr Higgins and what the RACGP does👉🏻 general practice as a speciality👉 workforce challenges👉🏼 rebates and bulk billing👉🏿 the cost of health care👉🏽 capitation, and more!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

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19:19

348 income per unit time vs income per unit effort

Dev Raga Personal Finance ·

2023/11/28

In today’s episode Dev explains his concept of income per unit time and income per unit effort, touching on:👉🏾 what is income per unit time👉🏿 why is IPUT (income per unit time) important👉🏻 businesses vs revenue per unit sales👉 what is income per unit effort👉🏼 pros and cons of both concepts📝 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

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23:23

347 credit ratings and agencies

Dev Raga Personal Finance ·

2023/11/21

In today’s episode Dev discusses credit ratings and credit agencies, covering the following topics:👉🏾 what is a rating?👉🏿 the big 3👉🏻 ratings agencies and history👉 Fitch vs Moody vs SP Global👉🏼 the role of credit rating agencies👉🏽 benefits vs problems👉🏾 what happened in 2008 vs rating agencies👉🏿 factors affecting credit ratings📝 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

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26:38

346 bond basics

Dev Raga Personal Finance ·

2023/11/14

In today's episode we're going over the basics of bonds! Dev unpacks:👉🏼 what is a bond?👉🏽 terminology👉🏾 bond ratings and callability👉🏿 risks👉🏻 corporate bonds👉 bond ETFs👉🏼 debentures vs bonds👉🏽 fixed vs floating rate bondsRelated episodes 🎧202 bond yields, inflation + interest rates053 what are bonds? Are they good?214 what is the bid-ask spread?317 what is an inverted yield curve?080 asset allocation strategies and rebalancing📝 Episode transcriptsWe hate email spam so we don’t

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59:16

345 an interview with Dr Tony Chen part 2 (travel...

Dev Raga Personal Finance ·

2023/11/07

In this episode we're continuing our conversation with Dr Tony Chen who shares his unique travel philosophy including:👉🏾 why he moves house every year👉🏿 his hacks for saving money on flights and hotels👉🏻 resources to learn more about point hacking👉 his best hotel experience👉🏼 and thoughts on the age old debate of private vs public educationTake a listen to last week's episode for part 1 of this chat! Tony runs the Facebook group Frequent Flying DoctorsWe hate email spam so we don’t create

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1:00:22

344 an interview with Dr Tony Chen part 1 (radiology,...

Dev Raga Personal Finance ·

2023/10/31

In this 2-part interview Dev chats with Dr Tony Chen who some of you may know from the Frequent Flying Doctors Facebook group! In this episode Tony shares about:👉🏾 his journey to becoming a radiologist👉🏻 radiology as a career, private vs public & income👉🏼 childhood experience of growing up as a first generation immigrant👉 his investing philosophy👉🏿 and why he doesn’t invest in superannuationStay tuned for part 2 next week where we get into travel tips and hacks!We hate email spam so we

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19:29

343 what is the Dunning-Kruger effect?

Dev Raga Personal Finance ·

2023/10/24

In today's episode Dev explains the Dunning-Kruger effect and how it can affect your investing or career, plus how you can avoid it.📝 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,

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30:14

342 teaching kids about money, defined benefit scheme...

Dev Raga Personal Finance ·

2023/10/17

In today's Q&A Dev discusses: 👉🏻 how to teach money skills to your kids👉 what is a defined benefit scheme within super👉🏾 and what is income protection insurance📝 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

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20:27

341 is debt consolidation a good idea?

Dev Raga Personal Finance ·

2023/10/10

Is it a good idea to consolidate your debt? Dev explains how debt consolidation works, the pros & cons to consider and how it differs from refinancing.Related episodes 🎧 067 what is behavioural finance?213 debt repayment strategies📝 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),

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22:59

340 what is the three bucket strategy?

Dev Raga Personal Finance ·

2023/10/03

In today's episode Dev unpacks the three bucket retirement strategy, touching on:👉🏾 emergency savings and liquid assets👉🏿 medium term holdings👉🏻 longer term holdings with a bit more risk👉 2 key factors to watch for👉🏼 rebalance rules👉🏽 and the pros & cons📝 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 (+

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20:49

339 ten rules for investors

Dev Raga Personal Finance ·

2023/09/26

On today's show Dev explains the ten rules every investor should keep in mind:👉🏾 reversion to the mean👉🏿 the markets always overcorrect👉🏻 excesses are a red flag! 🚩👉 bear markets have 3 stages👉🏼 invest regularly👉🏽 keep your emotions in check👉🏾 time in the market, not timing the market👉🏿 risk vs volatility👉🏻 experts are usually wrong👉 diversify!Related episodes 🎧091 investing in bull and bear markets!048 risk vs volatility!📝 Episode transcriptsWe hate email spam so we don’t

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