515 what is a doom loop?

Dev Raga Personal Finance

Dev Raga Personal Finance podcast artwork

Player FM - Internet Radio Done Right

140 subscribers

Personal Finances

הוסף לפני seven שנים

תוכן מסופק על ידי Dev Raga. כל תוכן הפודקאסטים כולל פרקים, גרפיקה ותיאורי פודקאסטים מועלים ומסופקים ישירות על ידי Dev Raga או שותף פלטפורמת הפודקאסט שלהם. אם אתה מאמין שמישהו משתמש ביצירה שלך המוגנת בזכויות יוצרים ללא רשותך, אתה יכול לעקוב אחר התהליך המתואר כאן https://he.player.fm/legal.

Lost Cultures: Living Legacies

1
Bermuda: The Crossroads of the Atlantic 51:57

לפני 23 ימים51:57

הפעל מאוחר יותר

רשימות

לייק

אהבתי

51:57

On the Season 2 debut of Lost Cultures: Living Legacies , we travel to Bermuda, an Atlantic island whose history spans centuries and continents. Once uninhabited, Bermuda became a vital stop in transatlantic trade, a maritime stronghold, and a cultural crossroads shaped by African, European, Caribbean, and Native American influences. Guests Dr. Kristy Warren and Dr. Edward Harris trace its transformation from an uninhabited island to a strategic outpost shaped by shipwrecks, colonization, the transatlantic slave trade, and the rise and fall of empires. Plus, former Director of Tourism Gary Phillips shares the story of the Gombey tradition, a vibrant performance art rooted in resistance, migration, and cultural fusion. Together, they reveal how Bermuda’s layered past continues to shape its people, culture, and identity today. You can also find us online at ⁠travelandleisure.com/lostcultures Learn more about your ad choices. Visit podcastchoices.com/adchoices…

לפני שנה 17:14

MP3•בית הפרקים

In today's episode Dev unpacks the concept of a doom loop, touching on:

👉🏿 what it is and how it works

👉🏻 what is a flywheel effect?

👉 the main causes

👉🏼 and how to break the doom loop

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.

328 פרקים

#Personal Finances #Lifestyle #Trading #Business #Podcasting Education #SYMO Interactive #Investing #Money #Dev Raga #Millennials Money #Glen James

Dev Raga Personal Finance

515 what is a doom loop?

Dev Raga Personal Finance

140 subscribers

published לפני שנה

שתפו

MP3•בית הפרקים

In today's episode Dev unpacks the concept of a doom loop, touching on:

👉🏿 what it is and how it works

👉🏻 what is a flywheel effect?

👉 the main causes

👉🏼 and how to break the doom loop

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.

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.

328 פרקים

#Personal Finances #Lifestyle #Trading #Business #Podcasting Education #SYMO Interactive #Investing #Money #Dev Raga #Millennials Money #Glen James

All episodes

Dev Raga Personal Finance

1
524 superannuation changes coming July 2025 30:58

לפני יומיים30:58

30:58

In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers: 👉🏾 carry forward contributions 👉🏿 minimum pension drawdown 👉🏻 superannuation guarantee increase to 12% 👉 transfer balance cap 👉🏼 defined benefit income caps Related episodes: 231 superannuation part 1 - Apple | Spotify 232 superannuation part 2 - Apple | Spotify 233 superannuation part 3 - Apple | Spotify 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.…

Dev Raga Personal Finance

1
523 tax tips to maximise EOFY savings 26:51

לפני 9 ימים26:51

26:51

In this episode Dev covers some basic last minute tax tips for individuals and businesses before financial year 2025 comes to a close! He touches on: 👉🏽 prepaying interest and expenses 👉🏼 offsetting capital gains with capital losses 👉🏿 personal super contributions 👉🏻 the $20k instant asset write-off for business owners 👉🏾 the $500 co-contribution scheme for low-mid income earners 👉🏼 claiming home office expenses 👉🏽 trust beneficiaries 👉🏿 excess contributions and the div 293 tax 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.…

Dev Raga Personal Finance

1
522 Stockspot super deep dive (with CEO Chris Brycki) 50:01

לפני 16 ימים50:01

50:01

In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They unpack how it compares to traditional super funds, why it's built around ETFs, and how it handles fees, risk, insurance, and tax efficiency. The chat touches on: 👉🏾 why Stockspot launched a super product 👉🏿 how Stockspot Super differs from other super funds 👉🏻 what investments are included in the portfolio 👉 a breakdown of fees and who they go to 👉🏽 how Stockspot manages risk across life stages 👉🏾 how rebalancing works using super contributions 👉🏿 pooled vs member-directed funds explained 👉 how Stockspot Super is designed to be tax effective 👉🏼 Chris’s personal money win and investing philosophy Learn more at https://www.stockspot.com.au/super/ Connect with Chris on Linkedin here: https://www.linkedin.com/in/brycki/ 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.…

Dev Raga Personal Finance

1
521 risk, return and volatility 16:00

לפני 23 ימים16:00

16:00

In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers: 👉🏿 how to figure out your personal risk tolerance 👉🏻 why chasing high returns usually means more risk 👉 what volatility actually means (and why it’s normal) 👉🏼 what is the efficient frontier 👉🏽 how diversification helps manage risk 👉🏾 the impact of inflation on long-term returns 👉🏻 modern portfolio theory 👉🏿 why past performance isn’t a reliable guide 👉 the importance of aligning your strategy with your goals Related episodes 🎧 228 what is modern portfolio theory? Listen on Apple | Listen on Spotify 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.…

Dev Raga Personal Finance

1
520 what is the div 296 tax? 25:38

לפני 4 weeks25:38

25:38

Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation which will impact super balances of $3 million and above. He touches on: 👉🏾 superannuation concepts 👉🏿 the function of super 👉🏻 what is the div 296 tax? 👉 who will it impact 👉🏼 any exceptions or special rules You can read more about the legislation here: https://ministers.treasury.gov.au/sites/ministers.treasury.gov.au/files/2023-03/better-targeted-superannuation-concessions-factsheet_0.pdf 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.…

Dev Raga Personal Finance

1
519 what is a listed investment company (LIC)? 16:38

לפני 5 weeks16:38

16:38

In today's episode Dev explains what a listed investment company is and how it works. He covers: 👉🏾 the investment options 👉🏿 management and fees 👉🏻 the difference between LICs and LITs 👉 examples of LICs 👉🏼 and their pros and cons 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.…

Dev Raga Personal Finance

1
518 investment bonds (with Generation Life CEO, Felipe Araujo) 50:50

לפני 6 weeks50:50

50:50

In today's episode, Dev sits down with Felipe Araujo, CEO of Generation Life, to unpack everything you need to know about investment bonds. They cover: 👉🏽 what investment bonds are and how they work 👉🏼 who investment bonds are most suited to 👉🏿 tax benefits compared to investing outside a bond 👉🏻 how asset protection and estate planning features work 👉 fees, investment options, and how to withdraw funds 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.…

Dev Raga Personal Finance

1
517 why this American doctor left it all behind for Australia: Dr Carmen's story 1:06:22

לפני 7 weeks1:06:22

1:06:22

In this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start a new life and career in Australia and New Zealand. They dive into Carmen’s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not just better working conditions, but a new lease on life. Carmen also shares how she built her consulting business Expat MD to help other doctors do the same. Her story touches on: 👉🏾 her med school journey 👉🏿 why Carmen decided to leave the US 👉🏻 key differences between the US and Aussie healthcare system 👉 what loan forgiveness is in the US and who's eligible 👉🏼 pay, student loans & insurance differences 👉🏽 how Expat MD helps US doctors make the move to Australia & New Zealand Click here to learn more about Expat MD: https://www.expatmd.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.…

Dev Raga Personal Finance

1
516 types of debt & what is debt recycling 24:42

לפני 8 weeks24:42

24:42

Let's talk about debt! Dev covers: 👉🏿 what is debt? 👉🏻 deductible vs non deductible debt 👉 what is debt recycling 👉🏼 the pros and cons of debt recycling 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.…

Dev Raga Personal Finance

1
515 what is a doom loop? 17:14

לפני 9 weeks17:14

17:14

In today's episode Dev unpacks the concept of a doom loop, touching on: 👉🏿 what it is and how it works 👉🏻 what is a flywheel effect? 👉 the main causes 👉🏼 and how to break the doom loop 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.…

Dev Raga Personal Finance

1
514 dentistry, insights into practice ownership & building wealth: Vanessa’s story 39:32

לפני 10 weeks39:32

39:32

In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for privacy. Her journey includes: 👉🏾 getting into dental school & early career challenges 👉🏿 private vs public dentistry: work, income & opportunity 👉🏻 practice ownership, staff management & overheads 👉 profit margins, fee structures & how dentists actually get paid 👉🏼 buying her own premises & why it mattered 👉🏽 learning the business side of dentistry 👉🏾 how Vanessa invests 👉🏿 decisions around insurances, SMSF & estate planning Episode mentioned in the chat: Listen: 🎧 506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer) 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.…

Dev Raga Personal Finance

1
513 will the 4% rule actually work for your retirement? 17:21

לפני 11 weeks17:21

17:21

The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it falls short, and how you can tweak it for a more secure future. He dives into: 👉🏻 why the 4% rule was created and if it still works today 👉 how market downturns and fees can derail your retirement 👉🏼 the hidden power of paying off your mortgage before retiring 👉🏽 asset allocation strategies to make your money last longer 📝 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.…

Dev Raga Personal Finance

1
512 lessons from a junior doctor: saving, investing & buying a home 48:52

לפני 12 weeks48:52

48:52

Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journey through private medical school, navigating doctor-friendly home loans, and the investing strategy that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on: 👉🏾 the cost of private medical school & fee-help loans 👉🏿 moving for work & how it shaped his career 👉🏻 current income, outgoings & savings rate 👉 using doctor-specific home loans to buy a property 👉🏼 his investment strategy & approach to FIRE 👉🏽 money wins & lessons learned so far 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.…

Dev Raga Personal Finance

1
511 timeless principles of investing 20:59

לפני 13 weeks20:59

20:59

Some investing strategies come and go, but the best ones stand the test of time. In today's episode Dev shares 5 timeless investing principles to help you build lasting wealth, including: 👉🏾 having a clear financial plan 👉🏿 why diversification is key 👉🏻 minimising your investment costs 👉 having a long-term perspective 👉🏼 and knowing when to stop playing the game 📝 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.…

Dev Raga Personal Finance

1
510 from divorce to financial freedom: Sarah’s story 45:59

לפני 14 weeks45:59

45:59

Today's episode is a special one as Dev sits down with Sarah*, a GP who shares her deeply personal and inspiring journey with money. Sarah shares how an arranged marriage ended in divorce and how she rebuilt financial freedom for herself and her children. *Name has been changed for privacy. Sarah's story touches on: 👉🏾 her med school journey in the UK 👉🏿 growing up with a scarcity mindset in an immigrant family 👉🏻 entering an abusive arranged marriage at a young age 👉 how divorce impacted her finances and career 👉🏼 plus how she rebuilt both as a single parent 👉🏽 using property and super to build long-term wealth 👉🏾 why she prioritised her will and estate planning, post-divorce If you or someone you know is experiencing domestic or financial abuse, there is help at https://1800respect.org.au 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.…

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Player FM סורק את האינטרנט עבור פודקאסטים באיכות גבוהה בשבילכם כדי שתהנו מהם כרגע. זה יישום הפודקאסט הטוב ביותר והוא עובד על אנדרואיד, iPhone ואינטרנט. הירשמו לסנכרון מנויים במכשירים שונים.