Dev Raga Personal Finance

this is money

Money concepts made simple for busy professionals

  • 24 minutes 16 seconds
    504 trade wars and taxes: making sense of tariffs

    In light of America's political climate, let's talk about what tariffs are and why they matter. Dev covers:


    👉🏻 how they work

    👉 why tariffs are used

    👉🏼 their pros and cons

    👉🏽 and unintended consequences


    📝 Episode transcripts 


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    21 January 2025, 6:10 pm
  • 18 minutes 53 seconds
    503 demystifying dividends: how they work and why they matter

    In today’s episode Dev explains dividends, touching on:


    👉🏾 what are dividends?

    👉🏿 cash vs shares

    👉🏻 dividends vs distribution

    👉 who pays for dividends?

    👉🏼 dividend dates

    👉🏽 why do companies pay dividends?

    👉🏾 how does a dividend affect stock prices?

    👉🏿 franking credits

    👉🏻 dividends and taxes

    👉 dividends and dilution



    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    14 January 2025, 6:10 pm
  • 43 minutes 58 seconds
    502 how to maximise pay day

    In today’s episode Dev explains essential financial habits and strategies, including setting up an emergency fund, budgeting, and exploring investment options, to help you achieve financial stability and long-term success. touching on:


    👉🏿 set up an emergency fund

    👉🏻 never borrow money to buy depreciating assets

    👉 stick to a budget

    👉🏼 maintain a proper emergency fund

    👉🏽 pay yourself first to prioritize savings

    👉🏿 explore various investment options

    👉🏻 automate your financial processes

    👉 learn about MPS


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289


    Hosted on Acast. See acast.com/privacy for more information.

    7 January 2025, 6:10 pm
  • 23 minutes 12 seconds
    501 becoming a multimillionaire: the habits that build wealth

    In today’s episode, Dev explains habits and principles that can lead to financial success and stability, touching on:


    👉🏿 protect your downside risk

    👉🏻 avoid unnecessary debt

    👉 drive an average car

    👉🏼 live modestly

    👉🏽 exercise regularly

    👉🏿 rise early to make the most of the day

    👉🏻 diversify your income and investments

    👉 set long-term goals to guide your decisions

    👉🏼 be frugal without being cheap

    👉🏽 develop an appetite for learning and seek mentorship


    Related episodes 🎧

    👇

    413 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 1

    414 life, TPD, trauma & income insurance (the basics, self-insuring, using an adviser or DIY + more) part 2

    024 emergency funds, good debt v bad debt


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    31 December 2024, 6:10 pm
  • 56 minutes 18 seconds
    best of 2024: achieving F.I.R.E at a young age (an interview with Dave Gow of Strong Money Australia)

    While we’re on a break, here’s a fan-favourite episode to keep you company


    In today’s episode Dev interviews Dave Gow of Strong Money Australia, touching on:


    👉🏾 savings rate?

    👉🏿 property vs shares

    👉🏻 financial independence retire early (F.I.R.E) principles

    👉 debt and recycling

    👉🏼 superannuation

    👉🏽 children and financial independence

    👉🏾 approach to investing

    👉🏿 money wins



    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    24 December 2024, 6:10 pm
  • 1 hour 3 minutes
    best of 2024: the experience of owning a Tesla ( an interview with an EV youtuber)

    While we’re on a break, here’s a fan-favourite episode to keep you company. We’re bringing back this gem from earlier in the year – enjoy.


    Dev Raga continues his tradition of comparing his Tesla Model 3 SR+ which he purchased in 2019 with his previous Diesel. In this episode he focuses on the economics of EVs, and whether it makes sense to purchase EVs in a high cost of living climate. He touches on:


    👉🏿 petrol/diesel prices

    👉🏻 servicing costs

    👉 all the features EV's offer

    👉🏼 the annoying bits of Model 3


    And by the time this episode has aired, Dev has traded it in for a new Model 3 2024 model.


    Related episodes 🎧

    👇

    058 the economics of electric cars!

    093 EV cost analysis: 12 months of driving a Tesla

    123 EVs: 100,000km Tesla Model 3 update

    225 EVs: 150,000km Tesla Model 3 update

    324 EVs: 200,000km Tesla Model 3 update


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    17 December 2024, 6:10 pm
  • 20 minutes 2 seconds
    448 how arbitrage works?

    In today’s episode Dev explains arbitrage, touching on:


    👉🏾 what is arbitrage?

    👉🏿 what is an efficient market hypothesis?

    👉🏻 what is arbitrage pricing theory?

    👉 the various types of arbitrage?

    👉🏼 some specifics of arbitrage?


    Related episodes 🎧

    👇

    026 what is arbitrage?


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    10 December 2024, 6:10 pm
  • 45 minutes 2 seconds
    447 understanding SMSFs: how they work, the costs, risks, challenges + more

    In today’s episode Dev interviews Alex Luck of Everest Wealth, touching on:


    👉🏾 what is an SMSF?

    👉🏿 what can I do with SMSF that I can't do with normal industry super/retail funds

    👉🏻 fees associated

    👉 at what value is an SMSF cost effective?

    👉🏼 what about rules and taxes?

    👉🏽 what happens if some people in accumulation phase, and others in retirement phase?

    👉🏾 do all members have to be invested in same asset class?

    👉🏿 what about insurance?

    👉🏻 who is responsible for investment decisions?

    👉 what happens in marriage breakdown or death of a member?

    👉🏼 how do you wind it down?

    👉🏽 what happens if you breach the strict super laws since you are on your own?



    Alex Luck

    Everest Wealth (everestwealthgroup.com.au)

    Instagram (@everestwealth)


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    3 December 2024, 6:10 pm
  • 14 minutes 10 seconds
    446 what is Benner's cycle?

    In today’s episode Dev explains Benner's Cycle touching on:


    👉🏾 what is Benner's cycle?

    👉🏿 what is a market cycle?

    👉🏻 stages of a market cycle?

    👉 examples of a Benner's cycle predictions


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.




    Hosted on Acast. See acast.com/privacy for more information.

    26 November 2024, 6:10 pm
  • 47 minutes 52 seconds
    445 invest smarter with automation, low fees, and the power of a financial community

    In today’s episode, Dev interviews Nick Nicolaides co-founder of Pearler, touching on:


    👉🏾 how long has Pearler been around?

    👉🏿 what investments are available?

    👉🏻 what is HIN (holder identification number)?

    👉 what is the fee structure?

    👉🏼 understanding their automation

    👉🏽 support - tech and non-tech

    👉🏾 what happens when Pearler goes bankrupt?


    https://pearler.com/


    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.


    Hosted on Acast. See acast.com/privacy for more information.

    19 November 2024, 6:10 pm
  • 1 hour 8 minutes
    444 money, leadership + medical exam tips with a hospital executive director

    In today’s episode Dev interviews Dr. George Eskander, touching on:


    👉🏾 what does an executive do?

    👉🏿 his journey and training into his role?

    👉🏻 what other career options do executives have?

    👉 how does your day look like?

    👉🏼 junior doctors, pay and culture

    👉🏽 his side hustle - PassGP

    👉🏾 investing philosophy

    👉🏿 money wins


    Dr. George Eskander

    [email protected]

    PassGP.au 

    https://www.passgp.au/dev-raga-personal-finance



    We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.


    To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), 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.


    SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.



    Hosted on Acast. See acast.com/privacy for more information.

    12 November 2024, 6:10 pm
  • More Episodes? Get the App
© MoonFM 2025. All rights reserved.