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

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Investing Business Money Education

Update frequency: every 7 days
Average duration: 34 minutes
Episodes: 339
Years Active: 2018 - 2025

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059 is private health insurance worth it?

in this episode we discuss the power of focusing on 1 action to achieve goals. We also dwelve into the world of health care in Australia, and the world of private health insurance.

Any advice is gener…

00:49:22 | Thu 07 Nov 2019

058 the economics of electric cars!

In this episode I discuss my personal story of converting to an EV from a previous ICE car.

Any advice is general financial advice only which does not take into account your objectives, financial situ…

00:43:09 | Thu 24 Oct 2019

057 what is a credit report and a credit score?

In this episode we discuss in depth about credit reports and credit scores.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. …

00:33:20 | Thu 17 Oct 2019

056 what are derivatives (financial)?

It's my first episode back from holidays and I am refreshed. Let's talk financial derivatives, pros and cons and risks. There are 4 main types of financial derivatives we discuss in this episode.

Any …

00:39:19 | Thu 10 Oct 2019

055 there is a recession coming!

In this episode we discuss lessons from the past gfc1.0. We discuss strategies to prevent your personal finances to take a hit from the next recessions. Recessions are inevitable but you can take ste…

00:38:31 | Thu 12 Sep 2019

054 is gold a good investment?

In this episode we discuss the concept of planning for your holidays and how it's important to correlate this with retirement - the biggest holiday of your life. The main topic is gold, how it's rela…

00:34:44 | Mon 02 Sep 2019

053 what are bonds? Are they good?

In this episode we discuss about bonds, it's components and how the interest rate situation changes a bond price. Meanwhile I briefly discuss how to handle gross income for sole traders.

Any advice is…

00:40:27 | Thu 29 Aug 2019

052 cash flow, profit, line of credit!

In this episode we will revisit some basic budgeting strategies. The main topic is cash flow followed by profit and line of credit.

Any advice is general financial advice only which does not take into…

00:35:10 | Thu 22 Aug 2019

051 what is an SMSF? Worth it?

In this episode we discuss about SMSFs and see the pros and cons. We also revisit debt repayment strategies.

Any advice is general financial advice only which does not take into account your objective…

00:34:49 | Fri 16 Aug 2019

050 the importance of asset allocation

In this episode we discuss asset allocation, diversification and rebalancing. All of these are vital concepts to master.

Any advice is general financial advice only which does not take into account yo…

00:28:27 | Thu 08 Aug 2019

049 leverage vs margin!

In this episode we discuss the financial concepts of leverage and margin and how they differ. We also discuss why it's not a good idea to just have large amounts of cash in the bank.

Any advice is gen…

00:31:32 | Thu 01 Aug 2019

048 risk vs volatility!

In this episode we discuss the main differences between risk and volatility. We also discuss why volatility can be your friend and how best to take advantage of it in the long-term.

Any advice is gene…

00:31:00 | Thu 25 Jul 2019

047 it's been 1 year already!!!

It's been a year since I started podcasting about personal finance principles and concepts. Thanks for the support. Let's summarise what we have learnt so far!

Any advice is general financial advice o…

00:34:38 | Thu 18 Jul 2019

046 what is a financial alpha? Are financial advisers worth it?

In this episode we discuss the concept of financial alpha. we also deep dive into the financial advisory service.

Any advice is general financial advice only which does not take into account your obje…

00:31:37 | Mon 08 Jul 2019

045 what are REITs?

In this episode we discuss REITs, how they are advantageous and what are some of the factors that impact a good REIT.

Any advice is general financial advice only which does not take into account your …

00:25:33 | Thu 04 Jul 2019

044 happy new financial year!

In this episode, we discuss some of the new changes for the 2020 financial year.

Any advice is general financial advice only which does not take into account your objectives, financial situation or ne…

00:15:55 | Sun 30 Jun 2019

043 40 year mortgages!! What is loss aversion?

In this episode we discuss if a 40 year mortgage is a good thing or too risky. We also delve deep into financial theories such as loss aversion, prospect theory and status quo basis.

Any advice is gen…

00:21:57 | Fri 28 Jun 2019

042 what is land to asset ratio? Is it important?

In this episode we discuss investment properties and the concept of land to asset ratio. Is it important and if so what is the optimal ratio?

Any advice is general financial advice only which does not…

00:21:32 | Mon 24 Jun 2019

041 factor investing, it's all the rage!

In this episode we discuss the concept of factor investing. Is it a free lunch in investing?

Any advice is general financial advice only which does not take into account your objectives, financial sit…

00:16:26 | Sun 16 Jun 2019

040 what is the 28/36 rule?

In this episode we discuss some basic rules about how to calculate house affordability and borrowing capacity. We also discuss my personal budgeting rule of thumb.

Any advice is general financial advi…

00:26:13 | Mon 10 Jun 2019

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