Episodes
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The phrase âmarket crashâ has appeared in the media (both traditional and social) a lot this year. Those of you with iron stomachs and 20-year horizons may have just shrugged and put your phones away. But for many, the constant turmoil has been a reason to start glancing towards the exit. Itâs an understandable reaction â but not one you need to live with.
If youâve found that recent market crashes have stolen your peace of mind, this episode is for you. Join Dave and Hayden as they cast an historical reality check on market crashes, and highlight what NOT to do. They also highlight some potential benefits to seize during a downturn, and discuss market crash strategies for people nearing retirement.
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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With a name like âAussie FIREâ, youâd expect that this podcast would be all about retiring early.
And, to be fair, it sort of is.
However, the world of Financial Independence, Retire Early is crammed with concepts that can sometimes feel far removed from the goal of early retirement. Thatâs why this episodeâs case study is particularly refreshing.
The case study itself is jam-packed with facts, figures, and proposed investing schedules. For the sake of the episode description, weâve whittled it down to the following:
âWeâve recently started on our FIRE journey. How can we reach early retirement as soon as possible?â
As always, the answer to this question will differ depending on a range of factors. Even so, by listening to Dave and Hayden do the maths around this case study, you may well find some ideas for your own FIRE goal.
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Missing episodes?
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You want to know the best thing about the Q&A format? It delivers what it promises. People ask questions, other people give answers, bing bang boom.
Now, do you want to know the best thing about the Aussie FIRE Q&A format? The answers are almost always awesome.
In this qanda to end all qandas, Aussie FIRE hosts Dave and Hayden field queries on some of this podcastâs most popular topics. Shares vs super? Youâd better believe it. Debt recycling? Thereâs enough here to impress Tony Soprano and Captain Planet (experts on debt and recycling, respectively). The downsides of super? No investment vehicle is all upsides, and Dave and Hayden will prove it on the super front.
Every question has an answer â and this episode sure does provide some of them!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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In the past, this podcast has delved into the practicalities and potential perils of using leverage to invest in shares. And in our completely unbiased opinion, it was a brilliant delving. However, the episode in question focused on using home equity. In doing so, left an unanswered question: how can renters or those who donât like the home equity method, use leverage to invest?
In this session, Dave and Hayden explore non-home equity channels for leverage in investing. From geared ETFs to margin loans and everything in between, the FIRE-namic duo share their thoughts. So, pour yourself a beverage and hear about leverage!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Who doesnât like a good Aussie FIRE case study?
That wasnât a rhetorical question, and weâre going to give you an answer.
Monsters, thatâs who.
âŠokay, so maybe thatâs a bit harsh â weâre sure there are upstanding citizens out there who donât like Aussie FIRE case studies â but we have a feeling that YOUâll like this one.
In this session, Dave and Hayden field a question from a listener whose experience mirrors Daveâs. As per usual, weâve oversimplified the question below so it fits into this episode description:
âMy partner and I own our home, and weâre thinking of living overseas for a few years. Before we go, should we focus on saving up cash, buying an investment property, or debt recycling into shares?â
While thereâs no universally right answer, Dave and Hayden weigh up the potential pros and cons of each choice. After the case study, they also delve into a presently trending topic: is there any value in using ChatGPT for investing?
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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You may well have heard the (correct) adage that investing carries risk. And if youâve ever missed a mortgage, credit card, or BNPL repayment, youâll be familiar with the risks of leverage. So, if theyâre both risky, are there any circumstances in which it would make sense to combine them?
In this Aussie FIRE episode, Dave and Hayden discuss this exact topic. Join them as they cover leveraging strategy, debt options, and key points to consider. While using leverage for shares investing isnât for everyone, this session may help you decide whether itâs right for you.
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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What do Aussie FIREâs Q&As and Ben & Jerryâs ice cream have in common?
Two things:
They both feature ampersandsTheyâre both very goodâŠokay, so that wasnât some of our best work, BUT you should definitely check this episode out.
Co-hosts Dave and Hayden have opened the mailbag to answer some of the communityâs most asked questions. From âWhen is it okay to splurge during a FIRE journey?â to âInvestment loans: yay or nay?â, this session answers a panoply of dicey questions.
How many of these questions have YOU asked?
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Dave loves ETFs. Hayden co-founded a platform which focuses on ETFs. So, when it comes to Financial Independence, these two must have been committed to ETFs from Day One, right?
âŠyeah, nah. In fact, as the title suggests, Dave has accrued 15 years of experience in property investing. And over that timeframe, heâs learned some truths which he wished heâd known before he started.
Now, none of this is to suggest that property is a flawed route to FIRE. Indeed, it played a key role in Daveâs work optional status. But by hearing Daveâs experiences, you may be able to lighten your own load on your property journey.
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Folks, itâs time for another FI case study â and this one explores a topic that will hit close to home. Keep reading, and youâll find out why that was such a hilarious pun.
In this episode, Dave and Hayden take a question from a listener which has crossed countless minds. The listener does an excellent job of providing their financial details, so the Aussie FIRE duo can really dive in. In essence, though, the question boils down to:
âShould my partner and I max out our borrowing capacity and buy our dream home now? Or should we keep investing and hope we can afford it in the future?â
As always, the listenerâs circumstances are unique, and may not apply to you. Having said that, you may find some food for thought for your own property journey. Beyond this listenerâs question, Dave and Hayden also share their thoughts on bonds, and buying the dip.
Enjoy!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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At a glance, credit cards might seem at odds with Financial Independence. After all, credit cards accrue âbadâ debt, which many people consider anathema to FIRE goals. Even so, for those who manage their budgets well, credit cards can play a role in a frugal lifestyle. And while Dave Gow doesnât have experience in this realm, Hayden does!
Join the duo this session as they explore credit card hacking â the art of maximising points, cashback, travel perks, and other rewards. The goal of credit card hacking is to get âfree moneyâ from signup bonuses or rewards from your everyday spending. And while itâs not for every risk appetite, it can align with some FI outlooks.
Tune in to find out how your credit cards could work for you!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Much like the Chupacabra or Berkshire Hathawayâs founding story, Aussie FIREâs FI case studies have become the stuff of legend. This time âround, Dave and Hayden answer a question from a listener which may well have crossed your mind:
âDo I have enough in savings, investments, and super to retire early?â
Of course, this personâs portfolio, income, and living circumstances are specific to them. Even so, by listening to Dave and Hayden crunch the numbers with this listener, you can form some ideas which can help shape your FIRE journey. The Frugal Fraternity (a nickname weâre trialling for them) also discuss a classic long-term investing topic: ETFs or managed funds?
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Both are often touted as effective vehicles for long-term investing. But for those working towards FIRE, there are some key differences to consider between ETFs and super. On one hand, super is purpose-built for retirement, and offers a number of unique potential tax benefits. On the other, ETFs are more liquid, and may better suit the âearlyâ in âretire earlyâ.
So, whatâs the right balance? Should you focus on one, the other, or a mixture of both? Well, Dave and Hayden canât tell you what to do. Even so, they can discuss a range of different hypotheticals that help you find YOUR most suitable outcome. Enjoy!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Thatâs right â itâs time for another one of our much-ballyhooed FI case studies! This time, Dave and Hayden hear from a thirtysomething couple who would like to be work-optional by their 40s. Theyâve earned, scrimped, saved, and invested⊠and theyâre wondering whether theyâve made any mistakes in the process.
Whilst Dave and Hayden arenât the Arbiters on All Things FI, theyâre happy to share their thoughts. By the end of this episode, youâll ideally have some fuel for your own FIRE journey!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Letâs be honest: Financial Independence can feel like a BIG task. The progress is incremental, the timelines are longer than weâd 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 âreverse motivationâ, 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!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Send us a text
Because Financial Independence looks different for everyone, thereâs seldom a one-size-fits-all approach to reaching it. Thatâs 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 Haydenâs thoughts on how the family could approach their FI quest â and how you could, too!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Send us a text
In a previous episode, we conducted a deep dive into Daveâs finances. However, keen observers and long-time listeners may have noticed something: Dave is only one of TWO hosts on this podcast. Whatâs more, the other host is renowned for his novel, proactive, and sometimes wacky cost-cutting measures. We are, of course, talking about Hayden â 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 youâre a budgeter, an investor, or an entrepreneur, youâll get a kick out of this episode.
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Send us a text
Dave and Haydenâs Q&As have become a regular thing on this podcast. Sure, audience feedback has been overwhelmingly positive, which is the key reason theyâve become part of the landscape. At a deeper level, though, Dave and Hayden see it as a golden opportunity to connect with the community. Thatâs why theyâre particularly excited about this session.
During this episode, they answer a range of questions, from âWhat ETFs is Dave invested in?â to âAre financial magazines worth it?â. They cover a cornucopia of other queries, too, so you wonât want to miss it!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Send us a text
Dave and Hayden at Aussie FIRE recently received a thought-provoking question from a listener. While weâre paraphrasing slightly, its essence boiled down to:
âAs a long-term investor, are you better off buying a more expensive home, or buying a cheaper home and investing the difference?â
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.
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Send us a text
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 â in fact, were it not for their investing mistakes, they wouldnât have made it this far.
In this session, they cover the key lessons theyâve learned from their investing mistakes over the years. These include:
Trying to pick stocks without really knowing what they were doingOvercomplicating the investing process Putting too much stock in predictions Watching price movements too muchAnd many more. Have you made any of these mistakes? If so, great â itâs all part of the investorâs learning experience!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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Send us a text
If youâre 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, youâll 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!
FI Case Study Request Form
Pearler
Strong Money Australia
Original Aussie FIRE e-book
Strong Money Australiaâs audiobook
Disclaimer
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether itâs 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 issuerâs website before deciding.
Hosted on Acast. See acast.com/privacy for more information.
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