Dev Raga Personal Finance

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 Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insuranc...

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 dilution Dev Raga Personal Finance is proudly supported by Sphere Home Loa...

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 borrowing money to buy depreciating assets 👉 sticking to a budget 👉🏼 maintaining a proper emergency fund 👉🏽 paying yourself first to prioritise savings 👉🏿 exploring various investment options 👉...

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 regularly 👉🏿 rising early to make the most of the day 👉🏻 diversifying your income and investments 👉 setting long-term goals to guide your decisions 👉🏼 being frugal without being cheap...

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 👉🏻 financial independence retire early (F.I.R.E) principles 👉 debt and recycling 👉🏼 superannuation 👉🏽 children and financial independence 👉🏾 approach to investing 👉🏿 money wins We hate ema...

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...

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...

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...

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 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...

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...

In today’s episode Dev interviews Dr. George Eskander, touching on: 👉🏾 what does an executive do? 👉🏿 his journey and training into his role? 👉🏻 what other career options do executives have? 👉 how does your day look like? 👉🏼 junior doctors, pay and culture 👉🏽 his side hustle - PassGP 👉🏾 investing philosophy 👉🏿 money wins Dr. George Eskander george.eskander@doctors.org.uk PassGP.au &n...

In today’s episode Dev interviews Glen James, touching on: 👉🏾 why write a book? 👉🏿 how does your book differ from other investing books? 👉🏻 who is Nick Bradley? 👉 why are behaviours important? 👉🏼 tell us about your 40% loss of investments as an 18-year-old 👉🏽 contrarian views - go through each one We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuab...

In today’s episode Dev interviews Scott Taylor, touching on: 👉🏾 what is preservation age? 👉🏿 what are my options when I retire? 👉🏻 can I chop and change phases? 👉 what is Transition to Retire (TTR)? 👉🏼 how does tax work in the retirement phase? 👉🏽 how does an aged pension get affected? 👉🏾 what is a downsizer contribution? 👉🏿 what is the re-contribution strategy? 👉🏻 what is binding...

In today’s episode Dev interviews Scott Taylor, touching on: 👉🏾 why does super exist? 👉🏿 what are the type of contributions and their respective limits? 👉🏻 carry forward contributions vs bring forward contributions 👉 super for low income owners 👉🏼 what is the first home super savers scheme? 👉🏽 retail vs industry super fund 👉🏾 how do taxes work in super? 👉🏿 conditions of early releas...

In today’s episode Dev explains sequence of returns risk, touching on: 👉🏾 what is sequence of returns risk? 👉🏿 wealth accumulation vs retirement phase 👉🏻 does sequence of returns risk affect everyone? 👉 what asset classes are effected? 👉🏼 an example to highlight the principle - rising market vs falling market We hate email spam so we don’t create it! Sign up to our newsletter to get only...

In today’s episode Dev interviews Louise Biti of Aged Care Steps, touching on: 👉🏾 retirement living options 👉🏿 pros and cons of each type 👉🏻 financial costs of each option 👉 should a family doctor be involved? 👉🏼 how to access myaged care? 👉🏽 aged care specifics 👉🏾 what happens when you die? 👉🏿 what is RAD? 👉🏻 what is the function state trustee? 👉 Aged care vs Centrelink We hate...

In today’s episode Dev interviews Sarah King from Stockspot, touching on: 👉🏾 what is Stockspot? 👉🏿 summary of service 👉🏻 account types and flexibility: investing for individuals, trusts, and self-managed super funds 👉 what are the fees? 👉🏼 does it allow automation? 👉🏽 what sort of portfolio does Stockpot offer? 👉🏾 what happens if Stockpot goes bankrupt? 👉🏿 public vs private school...

In today’s episode Dev explains retirement withdrawal strategy, touching on: 👉🏾 what is a constant withdrawal strategy? 👉🏿 what is a constant percentage withdrawal strategy? 👉🏻 what is the Guyton Klinger principle? 👉 retirement withdrawal fundamentals Related episodes 🎧 👇 037 what is the 4% withdrawal rule? 028 what is sequence of returns risk? We hate email spam so we don’t create it! Si...

In today’s episode Dev interviews Dr, Moz, touching on: 👉🏾 his journey in medicine 👉🏿 what is your subspecialty/niche? 👉🏻 do you think that subspecialisation is essential in 2024? 👉 income opportunities in your area? 👉🏼 tell us about about market/podcasting 👉🏽 AI in your practice 👉🏾 investing philosophy 👉🏿 money wins We hate email spam so we don’t create it! Sign up to our newslette...

In today’s episode, Dev interviews Dr. Andrew, touching on: 👉🏾 training and specialties 👉🏿 a day in the life of a surgeon 👉🏻 Royal Australasian College of Surgeons.(RACS) training program 👉 streaming in healthcare 👉🏼 his thoughts on streaming 👉🏽 trainees and their suitability for the job 👉🏾 his investing philosophy 👉🏿 money wins We hate email spam so we don’t create it! Sign up to o...

In today’s episode Dev explains dollar cost averaging, touching on: 👉🏾 what is dollar cost averaging? 👉🏿 why it may be a good strategy? 👉🏻 the two main types of DCA 👉 pros and cons of DCA Related episodes 🎧 👇 016 dollar cost what? 252 DCA vs lump sum investing, careers outside of clinical work, ATO payment plans + more We hate email spam so we don’t create it! Sign up to our newsletter to...

In today’s episode Dev interviews Michael Poplawski, touching on: 👉🏾 who is Dr. Mike? 👉🏿 what does he do? 👉🏻 what are his side hustles? 👉 how was it transitioning into the healthcare system of Australia? 👉🏼 what are the current issues with general practitioners? 👉🏽 his youtube channel: gp on the move 👉🏾 philosophy on investing and savings 👉🏿 insurance 👉🏻 kids and F.I.R.E - financi...

In today’s episode Dev interviews, I-Scribe co-founder, Sudesh, touching on: 👉🏾 where is AI (artificial intelligence) going? 👉🏿 the role of AI in note-taking 👉🏻 software development 👉 F.I.R.E 👉🏼 property and shares 👉🏽 debt and concepts 👉🏾 superannuation and investing philosophy 👉🏿 IScribe (notetaking app) 👉🏻 risks and benefits 👉 personal safety 👉🏼 non-believers 👉🏽 money wins...

In today’s episode Dev interviews Joe Buckley, touching on: 👉🏾 what is BFA? 👉🏿 can it override family law acts? 👉🏻 what makes BFA valid or invalid? 👉 when does it make sense to have a BFA? 👉🏼 how to kids change BFA? 👉🏽 how much does it cost to create a BFA? 👉🏾 any tips on addressing BFA with partner? Joe Buckley joe@vistamediation.com.au We hate email spam so we don’t create it! Sign...

In today’s episode Dev interviews Joe; touching on: 👉🏾 how do you become a family law specialist? 👉🏿 what is divorce? 👉🏻 what is property settlement? 👉 what is parenting arrangement? 👉🏼 is there minimum separation period? 👉🏽 stats on divorce? 👉🏾 what is the divorce application process? 👉🏿 why is Western Australia (WA) different? 👉🏻how much do lawyer fees cost? 👉 difference betwee...