Dev Raga Personal Finance

In today's Q&A Dev touches on:

👉🏾 burn out in health care

👉🏻 is additional income worth it if it's heavily taxed?

👉🏿 super balance for retirement and the aged pension

👉🏻 buying cars

👉 the temptation of keeping up with the Joneses

👉🏽 side hustle ideas

Related listening 🎧

223 burnout, self care + defence housing

255 + 255b an interview with Ryan about locuming

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Today we're digging into yield curves and more specifically the inverted yield curve. In this episode Dev talks about:

👉 what is yield?

👉🏼 dividends vs distributions

👉🏽 various types of yields

👉🏾 what are yield curves

👉🏿 3 types of curves

👉🏻 what is an inverted yield curve

👉 why is it important and how it affects investors

Related listening 🎧

301 calculating returns

202 bond yields, inflation + interest rates

053 what are bonds? Are they good?

302 recessions, depressions, causes, protections

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Luke is a commercial electrician in his early 30s who is killing it with his money journey! In this inspiring chat Dev and Luke discuss:

👉🏻 his lucrative career path

👉🏾 how he budgets

👉🏿 advice for young electricians and apprentices

👉🏻 Luke's perspective on debt

👉 how he invests and how that has evolved over the years

👉🏼 Luke's net worth and impressive breakdown of assets

👉🏽 and of course Luke's money wins and tips!

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

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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 we're covering 12 money pitfalls to avoid before and during retirement!

Related listening 🎧

028 what is sequence of returns risk?

231-233 superannuation

218 budgeting strategies

037 what is the 4% withdrawal rule?

309 private health insurance

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Today we're unpacking the concept of commodities and if they are something investors can make money on. We touch on:

👉🏾 what actually is a commodity?

👉🏿 what is basis grade?

👉🏻 various types of commodities

👉 how are commodities traded

👉🏼 what is the commodity price cycle?

👉🏽 what determines their price

👉🏾 is health care a commodity?

Related listening 🎧

056 what are derivatives (financial)?

240 what is hedging?

027 what is inflation and why is it important?

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Have you ever heard of the pareto principle or the 80/20 rule? In today's episode Dev talks about:

👉🏾 some listener feedback on ATO payment plans

👉🏿 the pareto principle explained and how it applies to our everyday lives

👉🏻 pros and cons of following the principle

👉 the pareto efficiency explained

👉🏼 what is the production possibility frontier?

👉🏽 and alternatives to pareto efficiency

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Today we're unpacking the various types of financial markets and two methods used by sophisticated investors to analyse these financial markets.

Related listening 🎧

084 what is liquidity?

033 index funds vs ETFs: which is better?

222 stock market myths + wrap accounts

115: what are stock buy backs?

079 the pitfalls of passive investing!

019 how to invest during volatile times

202 bond yields, inflation + interest rates

053 what are bonds? Are they good?

056 what are derivatives (financial)?

108 & 109 currency trading

217 macro-economic vs micro-economic factors

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Today we're discussing some of the financial lessons that we can learn from some of the wealthiest and broke athletes in the world. We look at both the pitfalls to avoid and the gold we can glean.

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.

Retiring can be a difficult lifestyle transition after years in the workforce so it's important to start planning before you retire. Today we're unpacking the stages of retirement, touching on:

👉🏾 what is retirement?

👉🏿 factors that might influence when you decide to retire

👉🏻 the psychological impact of retiring

👉 pre-planning

👉🏼 the actual day

👉🏽 the honeymoon period

👉🏿 the business side

👉🏾 reorganising your life

👉🏻 the final phase

👉 statistics

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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 we're diving deep into the world of private health insurance with a comprehensive break down of what it is and how it works. Dev talks about:

👉🏾 what is private health insurance and what is it's benefit

👉🏿 how bulk billing works

👉🏻 why is health care becoming more expensive in Australia

👉 the stealth health care tax we don't know about

👉🏼 private health product tiers

👉🏿 out of pocket expenses

👉🏻 coverage, rebates & premiums

👉 lifetime health cover loading

👉🏼 Medicare levy and surcharge

👉🏽 age based discount

👉🏿 Dev's thoughts

Resources mentioned:

https://www.privatehealth.gov.au/

Ten Golden Rules of Private Health Insurance

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

📝 Episode transcripts

🏡 Join our facebook group for healthcare professionals

💸 Quick links to our resources and $20 off The Glen James Spending Plan

my millennial money professional 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.