Dev Raga Personal Finance

In this episode special guest Maz joins us on the show. Maz is a physiotherapist who left her public position to work in a private practice setting. We discuss physiotherapy as a profession and how Maz goes about her personal finances including some of the money wins she's had.

The paradox of choice | Barry Schwartz (TED Talk): https://www.youtube.com/watch?v=VO6XEQIsCoM

🛑 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.

Continuing on from last week's Q&A, Dev answers more of your questions:

👉🏾 are medical financial advisers better than general advisers?

👉🏿 what are the new rules for family trusts?

👉🏻 tips for locum work

👉 transferring property to family e.g. kids

👉🏼 what is moldability and why you need it in your career

👉🏽 my portfolio has lost money, should I sell at a loss or wait for the market to bounce back?

👉🏻 Maxxia wallet - is it worth it or not?

Related listening 🎧

046 what is a financial alpha? Are financial advisers worth it?

220 practice ownership: things to consider!

227 tax time Q&A with an accountant

080 asset allocation strategies and rebalancing

064 what is capital gains and losses?

094 income and deductions!

216 active vs passive income

🛑 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.

Today's episode is packed with some great listener questions touching on:

👉🏾 how do ATO payment plans work?

👉🏿 dollar cost averaging vs lump sum investing

👉🏻 pursuing FI to have freedom of career choice rather than retirement

👉 career options outside of clinical work

👉🏼 single parent, divorced & practice owner, what should I do with my money?

👉🏽 tips for transitioning from Centrelink to salary

👉🏻 private health insurance, do you need it?

👉🏾 money mindset depending on whether you grew up poor vs privileged

ATO payment plan estimator

Episodes mentioned in the chat 🎧

120 what is div 293? The sneaky tax!

067 what is behavioural finance?

223 burnout, self care + defence housing

059 is private health insurance worth it?

249 & 250 an interview with Aussie Firebug

🛑 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.

When it comes to your car insurance, do you know the pitfalls to avoid and how to negotiate a better deal? Dev unpacks it all touching on:

👉 why car insurance is so important

👉🏼 CTP and how it differs by state

👉🏽 comprehensive car insurance

👉🏾 contaminated fuel - does insurance cover that too?

👉🏿 tips on reducing your premiums

👉 specifically check exclusions - what are they?

👉🏼 what about learner drivers

🛑 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.

On today's episode Dev and Aussie Firebug continue their interview touching on:

👉🏾 AFB's investing strategy 

👉🏿 achieving FIRE and the idea of retiring from work and losing purpose

👉🏻 insurances - personal, house, car and health insurance 

👉 Aussie healthcare

👉🏼 and AFB’s FIRE $ goal 

🛑 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 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.

Today on the show Dev interviews blogger and podcaster Aussie Firebug talking all things money, mindset, life and of course his FIRE journey. In part 1 they touch on:

👉🏾 The Simpsons! What does that have to do with money? Quite a lot actually

👉🏿 how AFB's mindset and investing strategy has evolved and changed from when he first began his FIRE journey

👉 factoring kids into FIRE

🛑 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 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.

You probably know about inflation but have you heard of stagflation? Dev explains the concept, touching on:

👉 what is stagflation, inflation and deflation

👉🏼 causes of stagflation

👉🏽 what can be done in response to stagflation

👉🏾 how investors can protect themselves

Related listening 🎧

217 macro-economic vs micro-economic factors

202 bond yields, inflation + interest rates

133: is inflation a problem?

027 what is inflation and why is it important?

240 what is hedging?

080 asset allocation strategies and rebalancing

🛑 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 chats with Harry who is an accountant about some of the small money wins he has had so far. They talk about saving, investing, and how the small things in the money world can make a big difference.

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

🏡 Join our facebook group for healthcare professionals

💸 Quick links - get $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.

Today's episode is the last of the life stages series focusing on a few core things to consider in your 60s and beyond. Dev touches on:

👉 asset allocation and decummulation strategies

👉🏼 private health insurance

👉🏽 superannuation - again!

👉🏾 revisiting will and estate planning

👉🏿 staying active, physically and mentally

👉🏻 not neglecting growth

Related listening 🎧

080 asset allocation strategies and rebalancing

125 what is de-accumulation phase?

🛑 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 talks about some money moves to consider making in your 40s and 50s, including:

👉🏾 managing debt

👉🏿 reviewing your net worth to see if you are you on track

👉🏻 preserving and protect your wealth

👉 pumping that superannuation fund!

👉🏼 determining how much you need in retirement

👉🏽 work choices and children's needs

Related listening 🎧

238 divorce vs separation, property settlement, parenting arrangements

080 asset allocation strategies and rebalancing

🛑 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.