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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

39:32

514 dentistry, insights into practice ownership &...

Dev Raga Personal Finance ·

2025/04/01

In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for privacy. Her journey includes:👉🏾 getting into dental school & early career challenges👉🏿 private vs public dentistry: work, income &

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17:21

513 will the 4% rule actually work for your retirement?

Dev Raga Personal Finance ·

2025/03/25

The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it falls short, and how you can tweak it for a more secure future. He dives into:👉🏻 why the 4% rule was created and if it still works today👉 how market downturns and fees can derail your retirement👉🏼 the hidden power of paying off your mortgage before retiring👉🏽 asset allocation strategies to make your money last longer📝 Episode transcriptsWe

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48:52

512 lessons from a junior doctor: saving, investing &...

Dev Raga Personal Finance ·

2025/03/18

Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journey through private medical school, navigating doctor-friendly home loans, and the investing strategy that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on:👉🏾 the cost of private medical school & fee-help loans👉🏿 moving for work & how it shaped his career👉🏻 current income, outgoings &

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20:59

511 timeless principles of investing

Dev Raga Personal Finance ·

2025/03/11

Some investing strategies come and go, but the best ones stand the test of time. In today's episode Dev shares 5 timeless investing principles to help you build lasting wealth, including:👉🏾 having a clear financial plan👉🏿 why diversification is key👉🏻 minimising your investment costs👉 having a long-term perspective👉🏼 and knowing when to stop playing the game📝 Episode transcriptsWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and

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45:59

510 from divorce to financial freedom: Sarah’s story

Dev Raga Personal Finance ·

2025/03/04

Today's episode is a special one as Dev sits down with Sarah*, a GP who shares her deeply personal and inspiring journey with money. Sarah shares how an arranged marriage ended in divorce and how she rebuilt financial freedom for herself and her children. *Name has been changed for privacy. Sarah's story touches on:👉🏾 her med school journey in the UK👉🏿 growing up with a scarcity mindset in an immigrant family👉🏻 entering an abusive arranged marriage at a young age👉 how divorce impacted her

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16:04

509 the two income trap: why earning more isn’t...

Dev Raga Personal Finance ·

2025/02/25

More income, more security...right? Not always. In this episode, Dev unpacks the "two-income trap," a concept made famous by Elizabeth Warren, and why earning more doesn’t always mean financial freedom. He touches on:👉🏾 what the two-income trap is and why it matters👉🏿 how rising fixed costs (housing, childcare) eat away at extra income👉🏻 why dual-income households can still face financial stress👉 whether staying home with kids should be considered "paid work"👉🏼 practical ways to avoid

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45:14

508 the psychology of retirement (with Prof. Joanne...

Dev Raga Personal Finance ·

2025/02/18

One of the questions that commonly gets asked from doctors and other professionals is how to plan for retirement, as many struggle to settle into retirement after working for 30+ years.In today's episode, Dev chats with Joanne Earl, Professor of Psychology at Macquarie University. They touch on:👉🏾 the 6 buckets to focus on in your transition to retirement👉🏻 is working long term a bad idea?👉🏼 managing boredom in retirement👉🏽 navigating losing more loved ones in old age👉 how to practice

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12:08

507 the paradox of thrift

Dev Raga Personal Finance ·

2025/02/11

In today's episode, Dev explains the concept called "paradox of thrift". He touches on:👉🏾 what it is👉🏿 real world examples such as a recession👉🏻 the circular flow economic model👉 Keynesian economics👉🏼 it's flaws and criticismRelated episodes: 🎧 070 recessions and depressions!📝 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, books,

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46:28

506 protecting your wealth: wills, estate planning &...

Dev Raga Personal Finance ·

2025/02/04

In today's chat, wills and estates lawyer Marlee Viero from Nest Legal returns to chat with Dev about wills, estate planning, and how to protect your wealth for future generations. They break down common mistakes, digital assets, tax traps, and whether a testamentary trust could be right for you. The episode touches on:👉🏾 why estate planning is more than just a will👉🏻 common pitfalls people make with their assets👉🏼 how to protect wealth across generations👉 is there a death tax in

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1:00:05

505 is FIRE even possible with a family? I talk with...

Dev Raga Personal Finance ·

2025/01/28

In today's episode Dev chats with Cam and Trish from Family on Fire, a family proving that FIRE (Financial Independence, Retire Early) isn’t just for singles or couples without kids. They share their unique journey of smashing the mortgage, balancing family life, and building financial independence, all while raising three kids. The interview touches on:👉🏾 starting their FIRE journey later in life👉🏻 smashing their mortgage by living on one income👉 balancing private school fees,

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24:16

504 trade wars and taxes: making sense of tariffs

Dev Raga Personal Finance ·

2025/01/21

In light of America's political climate, let's talk about what tariffs are and why they matter. Dev covers:👉🏻 how they work👉 why tariffs are used👉🏼 their pros and cons👉🏽 and unintended consequences📝 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, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is

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18:53

503 demystifying dividends: how they work and why...

Dev Raga Personal Finance ·

2025/01/14

In today’s episode Dev explains dividends, touching on:👉🏾 what are dividends?👉🏿 cash vs shares👉🏻 dividends vs distribution👉 who pays for dividends?👉🏼 dividend dates👉🏽 why do companies pay dividends?👉🏾 how does a dividend affect stock prices?👉🏿 franking credits👉🏻 dividends and taxes👉 dividends and dilutionWe 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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43:58

502 how to maximise pay day

Dev Raga Personal Finance ·

2025/01/07

In today’s episode Dev explains essential financial habits and strategies, including setting up an emergency fund, budgeting, and exploring investment options, to help you achieve financial stability and long-term success. touching on:👉🏿 set up an emergency fund👉🏻 never borrow money to buy depreciating assets👉 stick to a budget👉🏼 maintain a proper emergency fund👉🏽 pay yourself first to prioritize savings👉🏿 explore various investment options👉🏻 automate your financial processes👉 learn

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23:12

501 becoming a multimillionaire: the habits that...

Dev Raga Personal Finance ·

2024/12/31

In today’s episode, Dev explains habits and principles that can lead to financial success and stability, touching on:👉🏿 protect your downside risk👉🏻 avoid unnecessary debt👉 drive an average car👉🏼 live modestly👉🏽 exercise regularly👉🏿 rise early to make the most of the day👉🏻 diversify your income and investments👉 set long-term goals to guide your decisions👉🏼 be frugal without being cheap👉🏽 develop an appetite for learning and seek mentorshipRelated episodes 🎧👇413 life, TPD, trauma

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56:18

best of 2024: achieving F.I.R.E at a young age (an...

Dev Raga Personal Finance ·

2024/12/24

While we’re on a break, here’s a fan-favourite episode to keep you companyIn today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on:👉🏾 savings rate?👉🏿 property vs shares👉🏻 financial independence retire early (F.I.R.E) principles👉 debt and recycling👉🏼 superannuation👉🏽 children and financial independence👉🏾 approach to investing👉🏿 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

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1:03:01

best of 2024: the experience of owning a Tesla ( an...

Dev Raga Personal Finance ·

2024/12/17

While we’re on a break, here’s a fan-favourite episode to keep you company. We’re bringing back this gem from earlier in the year – enjoy.Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode he focuses on the economics of EVs, and whether it makes sense to purchase EVs in a high cost of living climate. He touches on:👉🏿 petrol/diesel prices👉🏻 servicing costs👉 all the features EV's offer👉🏼 the annoying bits of

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20:02

448 how arbitrage works?

Dev Raga Personal Finance ·

2024/12/10

In today’s episode Dev explains arbitrage, touching on:👉🏾 what is arbitrage?👉🏿 what is an efficient market hypothesis?👉🏻 what is arbitrage pricing theory?👉 the various types of arbitrage?👉🏼 some specifics of arbitrage?Related episodes 🎧👇026 what is arbitrage?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, books, resources and downloads (+ our disclaimers

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45:02

447 understanding SMSFs: how they work, the costs,...

Dev Raga Personal Finance ·

2024/12/03

In today’s episode Dev interviews Alex Luck of Everest Wealth, touching on:👉🏾 what is an SMSF?👉🏿 what can I do with SMSF that I can't do with normal industry super/retail funds👉🏻 fees associated👉 at what value is an SMSF cost effective?👉🏼 what about rules and taxes?👉🏽 what happens if some people in accumulation phase, and others in retirement phase?👉🏾 do all members have to be invested in same asset class?👉🏿 what about insurance?👉🏻 who is responsible for investment decisions?👉 what

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14:10

446 what is Benner's cycle?

Dev Raga Personal Finance ·

2024/11/26

In today’s episode Dev explains Benner's Cycle touching on:👉🏾 what is Benner's cycle?👉🏿 what is a market cycle?👉🏻 stages of a market cycle?👉 examples of a Benner's cycle predictionsWe 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, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does

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47:52

445 invest smarter with automation, low fees, and the...

Dev Raga Personal Finance ·

2024/11/19

In today’s episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on:👉🏾 how long has Pearler been around?👉🏿 what investments are available?👉🏻 what is HIN (holder identification number)?👉 what is the fee structure?👉🏼 understanding their automation👉🏽 support - tech and non-tech👉🏾 what happens when Pearler goes bankrupt?https://pearler.com/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

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