In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers:

👉🏾 what is an LIC vs what is an ETF?

👉🏿 what is NTA (net tangible assets) vs NAV (net asset value)

👉🏻 the pros and cons of each investment structure

👉 the similarities and differences

👉🏼 Dev's bottom line verdict of which investment structure suits you

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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 this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on:

👉🏾 the role of parents and parenting

👉🏿 learning about tax for minors

👉🏻 investing using your offset account

👉 trust structures

👉🏼 investment bonds

👉🏽 and super accounts for kids

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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 from season 4, Dev explains 5 money mistakes he sees doctors commonly making.

Related episodes 🎧

117 what is automation?

409 money mistakes by doctors part 2

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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 this episode from season 4, Dev breaks down the concept of debt recycling, touching on:

👉🏾 debt

👉🏿 deductible vs non-deductible debt

👉🏻 debt recycling

👉 tax savings

👉🏼 advantages of debt recycling

👉🏽 disadvantages of debt recycling

👉🏾 final things to consider

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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 this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack:

👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance

👉🏿 can insurers request your full medical history from your GP?

👉🏻 how does this legislation change impact you?

👉 what is TPD aka total and permanent disability cover?

👉🏼 3 types of ways to get insurance - retail, group & direct

👉🏽 the cost of getting insurance inside vs outside of super

👉🏾 the premium rise shock with super funds

👉🏾 how any vs own occupation affects your payout eligibility

👉🏿 how blue collar vs white collar ratings impact your premiums

👉🏻 Matt's personal money win

👉 who helps with getting claims paid out?

Interested in connecting with Matt and the Skye Wealth team? Visit https://skye.com.au

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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 is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers:

👉🏾 the cost savings of his first Model 3

👉🏿 the numbers on his second Model 3

👉🏻 does it make sense to buy an EV in 2026?

👉 comparing costs to an ICE car

👉🏽 pros & cons of having an EV

👉🏼Dev's top tips for buying cars

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

428 economics of EVs: Tesla M3 265,000km - the end!

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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.

Having lots of money has it's advantages, but it can also come with added challenges. In today's episode Dev unpacks these, touching on:

👉🏾 trust and relationship issues

👉🏿 family issues

👉🏻 suspicion

👉 lack of privacy

👉🏼 rising stress

👉🏽 social isolation

👉🏾 judgement and pressure

👉🏿 personal risk

👉🏻 achievements become devalued

👉 morality

👉🏼 raising children

👉🏽 his final thoughts

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, 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. 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.