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Dev Raga Personal Finance: Daily Summaries Delivered
by Dev Raga
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. Formerly named my millennial money professional
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- 4 days ago12 min
629 what is the homo economicus theory?
In this episode Dev unpacks:👉🏾 what are the principles of homo economicus👉 real life examples of homo economicus playing out in modern society👉🏿 what is behavioural finance👉🏻 what is neuroeconomicsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- 1 weeks ago15 min
628 LICs vs ETFs
In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers:👉🏾 what is an LIC vs what is an ETF?👉🏿 what is NTA (net tangible assets) vs NAV (net asset value)👉🏻 the pros and cons of each investment structure👉 the similarities and differences👉🏼 Dev's bottom line verdict of which investment structure suits youDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- 2 weeks ago22 min
627 investing for kids
In this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on: 👉🏾 the role of parents and parenting👉🏿 learning about tax for minors👉🏻 investing using your offset account👉 trust structures👉🏼 investment bonds👉🏽 and super accounts for kidsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- 3 weeks ago34 min
626 from the vault: money mistakes by doctors
In today’s episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making.Related episodes 🎧117 what is automation?409 money mistakes by doctors part 2Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- Jun 30, 202630 min
625 from the vault: what is debt recycling?
In this episode from season 4, Dev breaks down the concept of debt recycling, touching on:👉🏾 debt👉🏿 deductible vs non-deductible debt👉🏻 debt recycling👉 tax savings👉🏼 advantages of debt recycling👉🏽 disadvantages of debt recycling👉🏾 final things to considerDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- Jun 23, 202650 min
624 personal insurance: DNA, dollars and the 40% premium shock!
In this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack:👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance👉🏿 can insurers request your full medical history from your GP?👉🏻 how does this legislation change impact you?👉 what is TPD aka total and permanent disability cover?👉🏼 3 types of ways to get insurance - retail, group & direct👉🏽 the cost of getting insurance inside vs outside of super👉🏾 the premium rise shock with super funds👉🏾 how any vs own occupation affects your payout eligibility👉🏿 how blue collar vs white collar ratings impact your premiums👉🏻 Matt's personal money win👉 who helps with getting claims paid out?Interested in connecting with Matt and the Skye Wealth team? Visit https://skye.com.auDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- Jun 16, 202648 min
623 investing for kids, choosing your accountant, family loans, retirement + more with Dr Ken
In this episode, Dev chats with return guest and retired GP, Dr Ken McMahon to get his thoughts on:👉🏾 investing for kids👉🏿 selecting an accountant & financial adviser👉🏻 preparing for a retirement lifestyle👉insurances and self-insuring👉🏼 lending money to family👉🏽and if BFAs are worth itDev's first interview with Ken: 527 lessons from 50 years of investing (with a retired GP!)Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
- Jun 9, 202626 min
622 economics of EVs: 350,000km in an EV - is it still worth it?
Dev is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers:👉🏾 the cost savings of his first Model 3👉🏿 the numbers on his second Model 3👉🏻 does it make sense to buy an EV in 2026?👉 comparing costs to an ICE car👉🏽 pros & cons of having an EV👉🏼Dev's top tips for buying carsRelated episodes:058 the economics of electric cars!093 EV cost analysis: 12 months of driving a Tesla123 EVs: 100,000km Tesla Model 3 update225 EVs: 150,000km Tesla Model 3 update324 EVs: 200,000km Tesla Model 3 update428 economics of EVs: Tesla M3 265,000km - the end!Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
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