Dev Raga Personal Finance

By Dev RagaBusiness Education Investing

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Dev Raga Personal Finance episodes

August 02, 2022 234 an interview with JL Collins
Today on the show we are stoked to talk with a special guest who joins us all the way from the States, JL Collins. JL is a financial independence blogger and the author of The Simple Path to Wealth. In this chat Dev talks with JL about:

👉🏾 JL's investing philosophy
👉🏿 why you should avoid debt
👉🏻 "a stock market crash is a gift"
👉 having a 50% savings rate, is that too aggressive?
👉🏼 dollar cost averaging, is JL not a fan?
👉🏽 his journey from active investor turned index fund investor
👉🏿 what is "FU money"
👉🏻 your house being a terrible investment
👉 why Vanguard and the Jack Bogle experience

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

The Simple Path to Wealth (book)
JL's website
Time Machine and the future returns for stocks (blog post)
Mr Bogle and me (blog post)
The Gambler - F You (original movie clip)
FU Money by J L Collins (edit of the clip from The Gambler)
J L Collins Google talk

🛑 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.
1 hr 5 min
July 26, 2022 233 superannuation part 3
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.
42 min
July 19, 2022 232 superannuation part 2
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.
40 min
July 12, 2022 231 superannuation part 1
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.
44 min
July 05, 2022 230 what are biases & how do they affect your investing?
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.
49 min
June 28, 2022 229 how to pick a stock broker
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.
43 min
June 21, 2022 228 what is modern portfolio theory?
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.
29 min
June 14, 2022 227 tax time Q&A with an accountant
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.
1 hr 16 min
June 07, 2022 226 singles and money
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.
29 min
May 31, 2022 225 EVs: 150,000km Tesla Model 3 update
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.
1 hr 13 min