What options do you have in retirement and how do you access your super? Dev talks all about this in the third and final part of the super mini-series. Make sure to check out part 1 and 2! This episode touches on:

👉🏾 early release of super
👉🏿 withdrawing super to pay off debt (Check out 052 cash flow, profit, line of credit!)
👉🏻 transition to retirement scheme (TTR)
👉 consolidating super accounts
👉🏼 when can you access your super
👉🏽 super and retirement
👉🏻 retirement income study - the stats!
👉🏾 3 main options when you retire

Learn more about Altus Financial here: https://bit.ly/altusm3m

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

We're continuing with part 2 of our superannuation mini-series and we cover a lot in this one so strap in! Dev talks about:

👉 spousal contributions & splitting contributions
👉🏼 what happens to super when you die & nominating a beneficiary
👉🏽 how is superannuation taxed - accumulation / retirement phase
👉🏾 changing super funds
👉🏿 excess super contributions
👉🏻 how is taxation/capital gains managed within super
👉 the low income super offset
👉🏼 super and the self employed
👉🏽 what is the down sizer contributions scheme
👉🏾 insurance within super
👉🏿 fees in super
👉🏻 superannuation guarantee

Learn more about Altus Financial here: https://bit.ly/altusm3m

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

Over the next few weeks we're deep diving into the world of superannuation. In part 1 of this mini series Dev covers the basics - what super is, how it works and more, like:

👉🏿 the types of contributions - mandatory vs voluntary
👉🏻 concessional / non-concessional contributions
👉 how much super you should aim for or have
👉🏾 contributions tax
👉🏼 carry forward rules
👉🏽 bring forward rules

You might also like:
120 what is div 293? The sneaky tax!
051 what is an SMSF? Worth it?
018 what is opportunity cost?

Learn more about Altus Financial here: https://bit.ly/altusm3m

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

None of us are immune to bias! Dev unpacks 13 types of biases that you may or may not have heard about and how they can affect our personal finance & investing strategy. He also touches on:

👉🏾 what is cognitive/psychological bias
👉🏿 some fundamental areas where bias can affect you
👉🏻 the difference between bias and failed logic
👉 a question from Michael who asks if there are any financial products aimed at nurses

Learn more about Altus Financial here: https://bit.ly/altusm3m

Related stuff
Hamish Douglass article
067 what is behavioural finance?
217 macro-economic vs micro-economic factors

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

There are so many stock brokers out there, which do you pick? Dev explains the basics of what a broker does and how to pick one that suits your needs. He covers:

👉🏾 what is a brokerage firm?
👉🏿 why do we need brokers?
👉🏻 the difference between full service brokers vs discount/online brokers
👉 roboadvisers
👉🏼 how brokers make money (some common & less common ways)
👉🏽 is free brokerage actually free?
👉🏿 what is chess sponsorship
👉🏻 the simple steps to follow when selecting a broker
👉 plus Jonno from Melbourne gave some kind feedback!

Learn more about Altus Financial here: https://bit.ly/altusm3m

Related episodes:
217 macro-economic vs micro-economic factors

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

Heads up, loads of geeky stuff in today's chat! Dev explains the ins and outs of modern portfolio theory (MPT) touching on these concepts:

👉🏼 diversification
👉🏽 two main types of financial risk
👉🏾 variance
👉🏿 efficient frontier
👉🏻 capital allocation line (CAL)
👉 sharpe ratio
👉🏾 post modern portfolio theory
👉🏼 the pros and cons of each theory
👉🏿 Dev also answers a listener question about the difference between ETFs and managed funds

Book a complimentary call with Altus Financial: https://bit.ly/altusm3m

Related content you may want to check out after listening to this episode 👇
203 what is diworsification?
043 40 year mortgages!! What is loss aversion?
217 macro-economic vs micro-economic factors
067 what is behavioural finance?
124 growth vs value investing
033 index funds vs ETFs: which is better?

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

Tax season is here and so is our very first episode with a guest! Tax & Business Adviser, Andrew Haber from Altus Financial joins Dev to answer all your tax time questions to do with:

👉🏾 property deductions
👉🏿 debt recycling
👉🏻 car expenses
👉 work-related expenses
👉🏼 CME entitlements - reimbursements
👉🏻 Xero software
👉🏽 trusts - Section 100A
👉🏿 ATO data matching and debts
👉🏾 company taxes
👉 self education expenses and more

Book a complimentary chat with Altus Financial here: https://bit.ly/altusm3m

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

Whether you're single or in a relationship, the basic principles of good money management still apply. Dev shares the pros and cons of being single with money plus a tip for singles entering a long term relationship.

Check out Altus Financial: https://bit.ly/altusm3m

Related episodes:
221 couples and money
116 savings rate vs investment returns!

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

Dev shares his thoughts on electric vehicles and discusses the ins and outs of owning a Tesla Model 3 such as:

👉🏾 purchase price
👉🏿 cost of electricity & comparison with fuel costs
👉🏻 Autopilot (Model 3 specific)
👉 wear and tear / servicing costs
👉🏼 annoying & brilliant bits about the car
👉🏽 software and updates
👉🏿 charging and infrastructure, is charging a pain?
👉 Tesla service
👉🏾 Victoria's EV road tax
👉🏻 EV marker in Australia - the competition

Learn more about Altus Financial here: https://bit.ly/altusm3m

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.

In today's episode Dev explains:

👉🏿 what is net asset value (NAV) and how does it relate to net worth?
👉🏽 does NAV actually help with making investment decisions?
👉 what are non-bank lenders?
👉🏼 and the pros and cons of using non-bank lenders

Learn more about Altus Financial here: https://bit.ly/altusm3m
Episodes mentioned:
077 what is price to earnings ratio (P/E)?
078 what is price to book ratio (P/B)?
222 stock market myths + wrap accounts
212 investing truths
053 what are bonds? Are they good?

🛑 Please read our disclaimer + warnings before listening to this episode

📝 Episode transcript: https://bit.ly/m3meptranscripts
🏡 Join our facebook group for healthcare professionals
💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money medical is produced by SYMO interactive, home of my millennial money.

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.