During his school and college days, Dev was a competitive athlete, representing his teams in basketball at the national level four times. That discipline and drive carried over into his professional life.

Dev believes that two forces shape every financial decision more than anything else — behaviour and macroeconomics. The best-laid financial plan can fall apart if it ignores how people actually think about money, or if it fails to account for the broader economic environment they operate in.

He is also a strong advocate for looking at personal finance holistically. Investments, liabilities, insurance, taxation, and cash flows are not independent pillars. They interact with and influence each other constantly. A home loan decision affects retirement planning. A tax-saving investment changes the risk profile of a portfolio. Dev’s approach is to connect these dots rather than treat them in isolation, because that is how financial decisions play out in real life.