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Dev Raga Personal Finance - 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.

Investing Education Money Business
Update frequency
every 7 days
Average duration
34 minutes
Episodes
338
Years Active
2018 - 2025
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515 what is a doom loop?

515 what is a doom loop?

In today's episode Dev unpacks the concept of a doom loop, touching on:


👉🏿 what it is and how it works

👉🏻 what is a flywheel effect?

👉 the main causes

👉🏼 and how to break the doom loop


Dev Raga Personal F…

00:17:14  |   Tue 08 Apr 2025
514 dentistry, insights into practice ownership & building wealth: Vanessa’s story

514 dentistry, insights into practice ownership & building wealth: Vanessa’s story

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…

00:39:32  |   Tue 01 Apr 2025
513 will the 4% rule actually work for your retirement?

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

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…

00:17:21  |   Tue 25 Mar 2025
512 lessons from a junior doctor: saving, investing & buying a home

512 lessons from a junior doctor: saving, investing & buying a home

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 doct…

00:48:52  |   Tue 18 Mar 2025
511 timeless principles of investing

511 timeless principles of investing

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 …

00:20:59  |   Tue 11 Mar 2025
510 from divorce to financial freedom: Sarah’s story

510 from divorce to financial freedom: Sarah’s story

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…

00:45:59  |   Tue 04 Mar 2025
509 the two income trap: why earning more isn’t always better

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

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 freed…

00:16:04  |   Tue 25 Feb 2025
508 the psychology of retirement (with Prof. Joanne Earl)

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

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 ep…

00:45:14  |   Tue 18 Feb 2025
507 the paradox of thrift

507 the paradox of thrift

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

👉…

00:12:08  |   Tue 11 Feb 2025
506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)

506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)

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 co…

00:46:28  |   Tue 04 Feb 2025
505 is FIRE even possible with a family? I talk with Cam & Trish

505 is FIRE even possible with a family? I talk with Cam & Trish

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…

01:00:05  |   Tue 28 Jan 2025
504 trade wars and taxes: making sense of tariffs

504 trade wars and taxes: making sense of tariffs

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


De…

00:24:16  |   Tue 21 Jan 2025
503 demystifying dividends: how they work and why they matter

503 demystifying dividends: how they work and why they matter

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?

👉…

00:18:53  |   Tue 14 Jan 2025
502 how to maximise pay day

502 how to maximise pay day

In today’s episode Dev unpacks the essential financial habits and strategies to help you achieve financial stability and long-term success. He touches on:


👉🏿 setting up an emergency fund

👉🏻 not borrowi…

00:43:58  |   Tue 07 Jan 2025
501 becoming a multimillionaire: the habits that build wealth

501 becoming a multimillionaire: the habits that build wealth

In today’s episode, Dev unpacks key habits that help to build wealth. He covers:


👉🏿 protecting your downside risk

👉🏻 avoiding unnecessary debt

👉 driving an average car

👉🏼 living modestly

👉🏽 exercising reg…

00:23:12  |   Tue 31 Dec 2024
best of 2024:  achieving F.I.R.E at a young age (an interview with Dave Gow of Strong Money Australia)

best of 2024: achieving F.I.R.E at a young age (an interview with Dave Gow of Strong Money Australia)

While we’re on a break, here’s a fan-favourite episode to keep you company


In today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on:


👉🏾 savings rate?

👉🏿 property vs shares

👉🏻 fin…

00:56:18  |   Tue 24 Dec 2024
best of 2024:  the experience of owning a Tesla ( an interview with an EV youtuber)

best of 2024: the experience of owning a Tesla ( an interview with an EV youtuber)

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…

01:03:01  |   Tue 17 Dec 2024
448 how arbitrage works?

448 how arbitrage works?

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 spec…

00:20:02  |   Tue 10 Dec 2024
447 understanding SMSFs: how they work, the costs, risks, challenges + more

447 understanding SMSFs: how they work, the costs, risks, challenges + more

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 …

00:45:02  |   Tue 03 Dec 2024
446 what is Benner's cycle?

446 what is Benner's cycle?

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 predictions


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00:14:10  |   Tue 26 Nov 2024
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