Couverture de Aussie FIRE | Financial Independence Retire Early

Aussie FIRE | Financial Independence Retire Early

Aussie FIRE | Financial Independence Retire Early

De : Hayden Smith & Dave Gow
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Offres de saison | 0,99 € par mois pendant les 3 premiers mois

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The Aussie FIRE podcast is the ultimate guide to Financial Independence for Australians. Having started life as an e-book, then an audiobook, it's now reached its final form: a podcast that will keep on giving.


The Aussie FIRE audiobook is brought to you by Pearler, Australia's favourite long-term investing community; and Dave Gow, the brains behind Strong Money Australia. Each episode explores a different aspect of Financial Independence, so stay tuned for new releases!


https://pearler.com


https://strongmoneyaustralia.com/


DISCLAIMER: We’re big fans of sharing experiences and talking about money. However, please note that any advice is general, and does not consider your financial situation, needs, or objectives.


Consider whether it's appropriate for you, and if in doubt, speak to a licensed financial adviser.

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

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Épisodes
  • 96. Q&A: Super, ETFs and planning for retirement

    96. Q&A: Super, ETFs and planning for retirement
    Oct 16 2026
    Where should a retirement cash buffer live when most of your wealth is already in super? If you're aiming to retire in ten years, is it better to build your outside portfolio first or split your investing between ETFs and super now? And once you're already retired, does it make sense to sell a large share portfolio just to get more money into super before pension phase?In this listener Q&A, Dave and Hayden work through three super case studies that show how quickly contribution caps, access to your money and tax can complicate what looks like a fairly simple decision.In this episode we'll discuss:💰 Where a one to two year downturn buffer might sit when you're 56, plan to stop work at 59, and most of your investments are already inside super.⏳ Why the gap between stopping work and being able to access super can matter more than fine-tuning where your cash earns interest.🏦 What changes once concessional contribution caps are used, and the choice becomes keeping accessible cash outside super versus holding it inside a super cash option.🔥 How a 39-year-old couple investing $7,000 a month could run into contribution caps if they leave their extra super contributions until later.⚖️ Why building an ETF portfolio outside super first can look mathematically neat, but splitting contributions earlier may be simpler when contribution limits enter the picture.📈 Why this couple's current savings and investing rate could leave them with substantially more than their estimated FIRE target, potentially changing the retirement timeline altogether.🧾 What to consider when a retired investor with $500,000 outside super is advised to sell around $400,000 of investments and contribute the proceeds to super before starting pension phase.💸 Why the cost base and embedded capital gains in an ETF portfolio can completely change the tax maths of moving that money into super.🔍 Why a relatively small tax optimisation may matter less than being comfortable with how your retirement wealth is actually invested, structured and accessed.The thread through all three questions is that super optimisation can look precise on a spreadsheet, but access, contribution caps, CGT and how the money is invested can matter just as much as the headline tax rate. Sometimes the difference between two sensible options is much smaller than it first appears.Questions, disagreements or your own scenario: hello@aussiefirepod.com or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer:Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide Hosted on Acast. See acast.com/privacy for more information.
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    31 min
  • 95. How to travel without killing your savings

    95. How to travel without killing your savings
    Oct 9 2026
    Travel is supposed to be one of the things money gives you more freedom to enjoy. But when a holiday can cost $15,000 instead of $5,000, how do you keep seeing the world without feeling like every trip is sending your finances backwards?In this episode, Dave and Hayden compare the simple principles and slightly more extreme hacks they use to keep travel costs down, from letting flight deals influence the destination to shared bathrooms, camping, house sitting and even taking annual leave to stay home.In this episode we'll discuss:✈️ Why Hayden thinks a typical one-to-three-week trip can be roughly one-third flights, one-third accommodation and one-third everything else, and why that puts the biggest savings opportunities in two obvious places.💸 How spending $5,000 instead of $15,000 on a trip can change what remains available to invest, and why delaying the most expensive destinations can be different from giving them up altogether.⚡ Why the best low-cost airline deals can disappear within hours, and why flexible travellers may get better value by letting the deal influence the destination instead of starting with a fixed itinerary.🏨 What paying an extra $50 for your own bathroom reveals about how quickly comfort upgrades can become automatic, even when you barely use the room.🏕️ How hostels, pods, campsites and house sitting can make expensive destinations more accessible without turning every holiday into a bare-bones endurance test.🧠 Why "travel inflation" can work a lot like lifestyle inflation, and how gradually expanding your comfort zone can change what feels acceptable to spend.🏡 Why Dave sees taking annual leave and staying home as a legitimate travel hack, especially if holidays are becoming the only escape from a working year you do not enjoy.📅 Why booking flexible accommodation early, checking prices again later and travelling outside peak periods can sometimes matter more than obsessing over small daily purchases.🔥 How financial independence, semi-retirement and flexible work can create another kind of travel advantage: the ability to jump on cheap dates and inconvenient times other people cannot use.The thread through all of it is not that cheap travel is automatically better. It is that travel spending is another lifestyle choice where flexibility, timing and knowing what you actually value can matter just as much as the headline price. The more deliberately you make those trade-offs, the easier it can be to keep travel in the plan without quietly turning it into another form of lifestyle inflation.Questions, disagreements or your own scenario: hello@aussiefirepod.com or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer:Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide Hosted on Acast. See acast.com/privacy for more information.
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    43 min
  • 94. Can you just live off high yield?

    94. Can you just live off high yield?
    Oct 2 2026
    If the goal is to live off your portfolio one day, why bother selling investments at all? Could you simply build a portfolio that throws off enough income to cover your spending, ignore the 4% rule and leave the assets themselves alone? It sounds neat. But once you look past the appeal of regular cash flow, the trade-offs get more interesting.Dave and Hayden explore what a higher-yield FIRE portfolio could actually look like, why income investing can feel so psychologically appealing, and where chasing yield can start creating problems.In this episode we'll discuss:💰 Whether living purely off investment income could offer an alternative to regularly selling assets under a more traditional FIRE withdrawal strategy.📈 Why total return still matters, even when a portfolio's dividend or distribution yield looks attractive on its own.🧠 Why receiving regular investment income can feel easier than selling shares, especially once your portfolio becomes your main source of spending money.🇦🇺 Why Australian shares have traditionally offered more income than US shares, and how that can shape the way local investors think about retirement portfolios.🏠 How rental property, commercial property, peer-to-peer lending, savings accounts, shares and ETFs could all play different roles in a higher-yield portfolio.🧾 Why tax settings can influence the appeal of income versus capital growth, while also making it risky to build an entire investing approach around today's rules.📊 Why a 6% portfolio yield is not the same thing as a free extra 2% compared with a 4% withdrawal rate, particularly if higher income comes with lower long-term growth.🏢 How listed investment companies can smooth income differently from index funds, and why the way they generate distributions can vary considerably.⚠️ Why high-yield assets can bring their own risks, from loan defaults and property cycles to debt-heavy REITs cutting or freezing distributions.🔄 Why Dave has moved away from a strong yield bias towards a more balanced mix of growth and income, while Hayden is reconsidering where income might fit in his own approach.The broader tension is simple: reliable income can make a portfolio easier to live with, but yield is only one part of the return you receive. For long-term investors, the interesting question is not whether income or growth is universally better. It is how the trade-off fits the life the portfolio is meant to fund.Questions, disagreements or your own scenario: hello@aussiefirepod.com or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer:Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide Hosted on Acast. See acast.com/privacy for more information.
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    36 min
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