Dev Raga Personal Finance

In this episode Dev is joined by Gagan Gupta, airline points strategist and Founder of Turn Left For Less (TLFL) which helps business owners and entrepreneurs convert their everyday business and personal spending into Business and First Class travel for less than the retail fare. Gagan touches on:

👉 why businesses accumulate points a lot faster and how to maximise them
👉🏽 why your power bill might already be earning you more than you think
👉🏻 how a family of 4 flew Singapore Airlines business class to India for $600 cash
👉🏾 what's not worth spending your airlines points on
👉🏿 how to points stack

Pay.com.au link as discussed in the podcast: https://pay.com.au/turnleftforless

Where you can connect with Gagan:
https://www.tiktok.com/@turnleftforless747
https://www.youtube.com/@turnleftforless
landing.turnleftforless.com

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.

Is it better to pay off your mortgage or invest the money instead? In today’s episode Dev explains:

👉🏾 invest or pay off debt? the mathematical solution
👉🏿 the F2 rule - feelings vs finance
👉🏻 behavioural finance
👉 the 6% rule
👉🏼 real life examples on decision making

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 unpacks:

👉🏾 what are the principles of homo economicus
👉 real life examples of homo economicus playing out in modern society
👉🏿 what is behavioural finance
👉🏻 what is neuroeconomics

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 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.