Aussie FIRE | Financial Independence Retire Early

Pearler

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.comhttps://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.

  • 50 minutes 55 seconds
    28. How to find unlimited motivation on the FI journey

    Let’s be honest: Financial Independence can feel like a BIG task. The progress is incremental, the timelines are longer than we’d like, and the temptation to splurge can haunt us. Fortunately, there are a litany of hacks you can apply to remain perpetually motivated.


    From plugging into “reverse motivation”, to breaking your goals into smaller milestones, to surrounding yourself with like-minded people, the episode runs the gamut of inspirational tactics. Listen in and find the right motivational approach for you!


    Pearler

    Strong Money Australia

    Original Aussie FIRE e-book

    Strong Money Australia’s audiobook


    Disclaimer

    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


    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    20 December 2024, 7:00 pm
  • 46 minutes 17 seconds
    27. FI case study: semi retirement, island living & getting shares stolen

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    Because Financial Independence looks different for everyone, there’s seldom a one-size-fits-all approach to reaching it. That’s why the Aussie FIRE podcast loves to consider case studies from listeners. In doing so, we can all consider how different people, with different circumstances, could reach FIRE.


    This time around, Dave and Hayden assess a case study from a listener who has moved to an island with their family of five. While this already sounds like an FI dream, the family is still working towards early retirement. Tune in to hear Dave and Hayden’s thoughts on how the family could approach their FI quest – and how you could, too!


    Pearler

    Strong Money Australia

    Original Aussie FIRE e-book

    Strong Money Australia’s audiobook


    Disclaimer

    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


    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    6 December 2024, 7:00 pm
  • 1 hour 7 minutes
    26. A deep dive into Hayden's finances

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    In a previous episode, we conducted a deep dive into Dave’s finances. However, keen observers and long-time listeners may have noticed something: Dave is only one of TWO hosts on this podcast. What’s more, the other host is renowned for his novel, proactive, and sometimes wacky cost-cutting measures. We are, of course, talking about Hayden – co-founder of investing platform Pearler and man with a thousand savings hacks.

    Throughout this session, Hayden leaves no stone unturned in revealing every detail of his personal finances. We also hear of his savings and investing approach, and how he plans his financial future as a startup co-founder.

    Whether you’re a budgeter, an investor, or an entrepreneur, you’ll get a kick out of this episode.

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    22 November 2024, 7:00 pm
  • 1 hour 11 minutes
    25. Q&A: Dave's portfolio, debt recycling follow-ups, and a listener's success story

    Send us a text

    Dave and Hayden’s Q&As have become a regular thing on this podcast. Sure, audience feedback has been overwhelmingly positive, which is the key reason they’ve become part of the landscape. At a deeper level, though, Dave and Hayden see it as a golden opportunity to connect with the community.  That’s why they’re particularly excited about this session.

    During this episode, they answer a range of questions, from “What ETFs is Dave invested in?” to “Are financial magazines worth it?”. They cover a cornucopia of other queries, too, so you won’t want to miss it!

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    8 November 2024, 7:00 pm
  • 45 minutes 32 seconds
    24. House vs apartment: How to optimise your home price for FIRE

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    Dave and Hayden at Aussie FIRE recently received a thought-provoking question from a listener. While we’re paraphrasing slightly, its essence boiled down to:

    “As a long-term investor, are you better off buying a more expensive home, or buying a cheaper home and investing the difference?”

    Depending on your own preferences, you might have a clear idea of which approach makes the most sense. However, from an objective point of view, there are a range of factors to consider. So, in the spirit of open-mindedness, Dave and Hayden set out to compare the two.

    Join them as they measure the potential pros and cons of buying a more expensive home against a cheaper one. By popular demand, Hayden also unpacks his rent vs buy Excel spreadsheet calculations. Listen along, or check out the spreadsheet here.

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    25 October 2024, 7:00 pm
  • 53 minutes 32 seconds
    23. Investing mistakes we've made (and what we've learned)

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    There are countless ways to learn as an investor, from books, to podcasts (like this one), to quarterly earnings reports. Even so, some of the most memorable lessons are the ones we make through trial and error. Aussie FIRE co-hosts Dave and Hayden are no exception – in fact, were it not for their investing mistakes, they wouldn’t have made it this far.

    In this session, they cover the key lessons they’ve learned from their investing mistakes over the years. These include:

    • Trying to pick stocks without really knowing what they were doing
    • Overcomplicating the investing process 
    • Putting too much stock in predictions 
    • Watching price movements too much 

    And many more. Have you made any of these mistakes? If so, great – it’s all part of the investor’s learning experience!

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    11 October 2024, 7:00 pm
  • 47 minutes 20 seconds
    22. Singles vs couples: which is better for FI?

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    If you’re working towards Financial Independence Retire Early (FIRE), a question may have crossed your mind: is it easier to reach FIRE as a single person, or as a couple? Unsurprisingly, people within the FIRE community have been debating this one for a long time. And depending on who you ask, you’ll likely receive a different answer.

    At the end of the day, both singles and couples are equally capable of reaching FIRE. But as a thought exercise, Dave and Hayden have set out to compare the two categories. They do this by measuring both groups across income, spending, investing, and practical/psychological considerations. They also offer some ideas for how both groups can succeed, and share their own personal experiences.

    Enjoy, and as always, feel free to share any questions!

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    27 September 2024, 8:00 pm
  • 47 minutes 34 seconds
    21. Aussie FIRE Q&A: ETF strategy, FI case study, and investing for kids

    Send us a text

    A few sessions ago, Dave and Hayden hosted their first Aussie FIRE audience Q&A. Well, the community seemed to enjoy it… so they’re doing it again.

    This time around, they answer a slew of new FIRE queries – from “What are your thoughts on US tech stocks?”; to “How would you invest $500 per month as part of an ETF strategy?”, to “How is investing for your kids different to investing for yourself?”.

    Come for the answers, and hopefully you’ll leave with more questions!

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    13 September 2024, 8:00 pm
  • 59 minutes 49 seconds
    20. Debt recycling part 2: FAQs

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    Last episode, Aussie FIRE co-hosts Dave and Hayden discussed debt recycling, and who can benefit from it. As it turns out, people in our community have a lot of questions about this subject. For this reason, Dave and Hayden decided to run a debt recycling FAQ.

    Join the Aussie FIRE duo as they answer some of the most common questions around debt recycling. These include:

    • Is debt recycling even legal? 
    • What type of loans do I need to debt recycle? 
    • How do I know whether I should debt recycle? 
    • What are the ideal interest rates for debt recycling? 
    • And many more. 

    Tune in, and they’ll give you answers – or, at the very least, the questions you should be asking yourself before you try debt recycling.

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    30 August 2024, 8:00 pm
  • 56 minutes 9 seconds
    19. Debt recycling: What is it and who can benefit from it?

    Send us a text

    You may have suspected just from its name, but debt recycling can be a polarising topic in investing circles. Some hail it as an effective way to scale your investments. Others deride it as a source of needless complexity. But regardless of where you stand on the matter, one thing is certain: to use debt recycling, you need to know what you’re doing.

    In this episode, Dave and Hayden explore the subject of debt recycling in depth. They do this by discussing how it works, why it’s popular with some investors, and what you need to understand before you consider it. If you’ve been looking for a launchpad to understanding debt recycling, this session has you covered.

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    16 August 2024, 8:00 pm
  • 45 minutes 3 seconds
    18. A deep dive into Dave’s finances

    Send us a text

    One of our hosts became renowned across Australia for reaching FIRE by age 28. We are, of course, referring to Dave Gow, the mastermind behind Strong Money Australia.

    Because Dave didn’t achieve FIRE through an investment banking job or a lofty inheritance, his journey often inspires other FIRE-seekers. In fact, many of our listeners have asked Dave to provide a detailed breakdown of his finances.

    In this session, we do exactly that – from “What are your annual expenses?” to “How did forming a relationship change your FIRE habits?”. Anyone who has ever wanted a deep insight into a life once FIRE’d won’t want to skip this ep.

    Pearler
    Strong Money Australia
    Original Aussie FIRE e-book
    Strong Money Australia’s audiobook

    Disclaimer

    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

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.


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

    2 August 2024, 8:00 pm
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