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.
- Update frequency
- every 7 days
- Average duration
- 34 minutes
- Episodes
- 339
- Years Active
- 2018 - 2025
217 macro-economic vs micro-economic factors
Dev breaks down some examples of macro-economic and micro-economic factors and ultimately how they affect us and the economy. He also explains how businesses can maximise their profits by focusing on…
00:42:14 |
Tue 05 Apr 2022
216 active vs passive income
Using active income to invest in assets which generate a passive income is a common strategy when working towards becoming financially independent. In this episode Dev unpacks:
👉🏾 what is income
👉🏿 ass…
00:36:31 |
Tue 29 Mar 2022
215 Q&A: investment property costs, burnout, ethics + more
Some great questions and topics from the my millennial money medical community. Today Dev discusses:
👉🏾 deductible vs non-deductible debt
👉🏿 offset vs redraw facility
👉🏼 a breakdown of investment proper…
00:53:04 |
Tue 22 Mar 2022
214 what is the bid-ask spread?
In this episode Dev chats about:
👉🏾 Thopian's question: How long can I rent out a property without paying capital gains tax on its sale
👉🏿 what is the bid ask price
👉 what is liquidity? For an in-depth …
00:22:47 |
Tue 15 Mar 2022
213 debt repayment strategies
The best method to pay down debt is the one that works for you! In this episode Dev shares:
👉🏾 what is consumer debt
👉🏿 revolving vs non-revolving debt
👉🏻 the pros and cons
👉 the debt avalanche method
👉🏼 …
00:30:39 |
Tue 08 Mar 2022
212 investing truths
In this episode Dev covers these 13 investing truths:
👉🏾 asset allocation
👉🏿 diversification
👉🏻 the market is uncertain
👉 understanding and managing risk
👉🏼 time in the market, not timing the market
👉🏽 no …
00:49:35 |
Tue 01 Mar 2022
211 property covenants, zonings, overlays
This episode covers some of the restrictions you might encounter when buying property or considering a knock down rebuild. Dev shares:
👉🏾 a listener's experience - K has a bad surprise at the time of …
00:34:10 |
Tue 22 Feb 2022
210 what is a margin of safety?
Today's episode is all about what a margin of safety is in accounting, business, investing and personal finance. Plus Dev speaks a little on deep value investing vs growth at a reasonable rate. We go…
00:27:38 |
Tue 15 Feb 2022
209 what is a financial bubble?
In this episode, Dev unpacks:
👉🏾a question from anon who has sold their investment property and has 500K in proceeds, what should they do?
👉🏻what is a financial bubble?
👉the stages of a bubble
👉🏿examples…
00:38:10 |
Tue 08 Feb 2022
208 what is a prenuptial or binding financial agreement?
Today's episode is inspired by this listener question: Is a prenup something I should consider before getting married? How long before marriage should I start thinking about it and what are the pros …
00:27:14 |
Wed 02 Feb 2022
207 invest or pay off debt
Should you put your spare cash in paying down debt or invest it? Dev explores this common question, touching on:
👉🏻invest or pay off debt - is this a simple analysis of this question?
👉deductible vs no…
00:30:46 |
Tue 25 Jan 2022
206 what is tax efficiency part 3
Dev discusses more strategies that can help to reduce tax, such as:
👉🏾investment bonds
👉super spousal contributions
👉🏻property deductions
Episode transcripts: https:/…
00:32:58 |
Tue 18 Jan 2022
205 what is tax efficiency part 2
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 deductions
Listen to p…
00:37:40 |
Tue 11 Jan 2022
204 what is tax efficiency part 1
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 contributions
Episode transcri…
00:26:08 |
Tue 04 Jan 2022
203 what is diworsification?
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 diwors…
00:22:37 |
Tue 28 Dec 2021
202 bond yields, inflation + interest rates
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?
…
00:21:47 |
Tue 21 Dec 2021
201 pay yourself first
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 portfolio
Episo…
00:17:07 |
Tue 14 Dec 2021
welcome to my millennial money medical
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/…
00:01:13 |
Mon 13 Dec 2021
136 important announcement!
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 …
00:19:42 |
Wed 08 Dec 2021
135 gambling vs speculation!
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. …
00:33:00 |
Wed 17 Nov 2021
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