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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

48:55

322 getting into medical school part 1

Dev Raga Personal Finance ·

2023/05/30

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

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23:46

321 what is intrinsic value?

Dev Raga Personal Finance ·

2023/05/23

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

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56:44

320 an interview with Ben from Forever Vacation

Dev Raga Personal Finance ·

2023/05/16

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:

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22:21

319 home and contents insurance

Dev Raga Personal Finance ·

2023/05/09

Do you have home and/or contents insurance? In this episode we're covering:👉 the difference between home insurance and contents insurance👉🏼 different types of coverage and policies👉🏽 how to calculate how much your home is worth👉🏾 common exclusions👉🏿 common reasons a claim is rejected👉🏻 insuring a home pre-settlement👉🏼 what is public liability insurance👉🏽 how can you reduce your premiums👉 accidental damage👉🏿 things to consider when selecting an insurance company🛑 Please read our

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33:28

318 side hustle ideas, money tips for junior...

Dev Raga Personal Finance ·

2023/05/02

In today's Q&A Dev touches on:👉🏾 burn out in health care👉🏻 is additional income worth it if it's heavily taxed?👉🏿 super balance for retirement and the aged pension👉🏻 buying cars👉 the temptation of keeping up with the Joneses👉🏽 side hustle ideasRelated listening 🎧223 burnout, self care + defence housing255 + 255b an interview with Ryan about locuming🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts🏡 Join our facebook group for healthcare

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24:25

317 what is an inverted yield curve?

Dev Raga Personal Finance ·

2023/04/25

Today we're digging into yield curves and more specifically the inverted yield curve. In this episode Dev talks about:👉 what is yield?👉🏼 dividends vs distributions👉🏽 various types of yields👉🏾 what are yield curves👉🏿 3 types of curves👉🏻 what is an inverted yield curve👉 why is it important and how it affects investorsRelated listening 🎧301 calculating returns202 bond yields, inflation + interest rates053 what are bonds? Are they good?302 recessions, depressions, causes, protections🛑

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56:56

316 money wins: an interview with Luke

Dev Raga Personal Finance ·

2023/04/18

Luke is a commercial electrician in his early 30s who is killing it with his money journey! In this inspiring chat Dev and Luke discuss:👉🏻 his lucrative career path👉🏾 how he budgets👉🏿 advice for young electricians and apprentices👉🏻 Luke's perspective on debt👉 how he invests and how that has evolved over the years👉🏼 Luke's net worth and impressive breakdown of assets👉🏽 and of course Luke's money wins and tips!🛑 Please read our disclaimer + warnings before listening to this episode🏡

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40:51

315 retirement money mistakes

Dev Raga Personal Finance ·

2023/04/11

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

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16:02

314 what is a commodity?

Dev Raga Personal Finance ·

2023/04/04

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

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20:48

313 what is the pareto principle?

Dev Raga Personal Finance ·

2023/03/28

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

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18:34

312 fundamental vs technical analysis of shares

Dev Raga Personal Finance ·

2023/03/21

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

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22:05

311 financial lessons from athletes

Dev Raga Personal Finance ·

2023/03/14

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

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18:08

310 the stages of retirement

Dev Raga Personal Finance ·

2023/03/07

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

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51:35

309 private health insurance

Dev Raga Personal Finance ·

2023/02/28

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

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39:01

308 accrued leave vs overtime, charging what you’re...

Dev Raga Personal Finance ·

2023/02/21

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

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40:33

307 money wins: an interview with Dr Nick

Dev Raga Personal Finance ·

2023/02/14

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

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15:14

306 what is the bullwhip effect?

Dev Raga Personal Finance ·

2023/02/07

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

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24:13

305 types of economic recoveries

Dev Raga Personal Finance ·

2023/01/31

Recessions are normally followed by an economic recovery, do you know the different types? Dev explains:👉 what an economic recovery is👉🏼 the signs of one👉🏽 how fiscal and monetary policies relate to economic recoveries👉🏾 the different recovery 'shapes' and which are the most commonRelated listening 🎧248 what is stagflation🛑 Please read our disclaimer + warnings before listening to this episode📝 Episode transcripts💸 Quick links to our resources and $20 off The Glen James Spending Planmy

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45:56

304 buying a home or investment property

Dev Raga Personal Finance ·

2023/01/24

In today's episode Dev chats about:👉🏾 is buying a home worth it?👉🏿 buying your own home vs investing in property👉🏻 what gets noted in a building and pest inspection👉🏽 7 steps of the buying process👉 pros and cons of investing in property👉🏼 the risks and how to manage them Related listening 🎧049 leverage vs margin!011 buy a home with your head, not your heart!235 Q&A: working rurally, property vs shares, BAS, GST & sole trader income🛑 Please read our disclaimer + warnings before

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28:52

303 can money buy happiness?

Dev Raga Personal Finance ·

2023/01/17

Can money buy happiness? Dev thinks it's the wrong question to be asking. Let's talk about it. Today's episode touches on the science behind happiness and what the data says about the relationship between money and happiness.Here's the study Dev mentions in the episode: https://www.hbs.edu/ris/Publication%20Files/FinancialScarcity_SPPS_accepted_November1_2021_06f87dd3-4474-4c92-88d1-a5c6b63a2eaa.pdf📢 PSA: Dev doesn't endorse any specific financial products so beware of scammers using his name📢 PSA

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