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Aussie FIRE | Financial Independence Retire Early
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Aussie FIRE | Financial Independence Retire Early

Author: Pearler

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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.


56 Episodes
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Send us a textIn 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 ...
Send us a textDave 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 ...
Send us a textDave 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 th...
Send us a textThere 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 t...
Send us a textIf 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 c...
Send us a textA 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!PearlerStro...
Send us a textLast 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 sh...
Send us a textYou 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 ...
Send us a textOne 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 ...
Send us a textSince launching back in 2023, the Aussie FIRE podcast has cultivated an incredible community of listeners. And, over the last few months, co-hosts Dave and Hayden have received a lot of thought-provoking questions from their audience. That’s why they were thrilled to run their very first audience Q&A.In this episode, they answer an array of listener queries on long-term investing – from “What are the cons of selling shares when they’re up, then re-buying when they’re down?”;...
Send us a textHousing plays a pivotal role in any FIRE (Financial Independence Retire Early) strategy. Whether you rent or buy, you’ll need to account for your shelter before you can comfortably retire early. That’s why, in a past episode, co-hosts Dave and Hayden explored the relationship between housing and FIRE. This time around, they roll up their sleeves and crunch the numbers.In this session, the Aussie FIRE duo run some calculations to determine whether moving or renting makes more fin...
Send us a textIn life, there are various ways to invest. And we’re not only talking about shares versus bonds, or ETFs versus property. In fact, education can offer as much of an investment as any asset.Many Australians seem to agree; according to the Australian Bureau of Statistics, around 32% of Australians hold a bachelors degree. But when you compare the fees to the earning potential, is a uni degree actually worth it?Full disclosure: Dave and Hayden aren’t the Cosmic Arbiters of What Is ...
Send us a textPreviously on this podcast, we’ve covered how different mindsets affect your money habits. This time around, Dave (Strong Money Australia) and Hayden (co-founder of Pearler) take it a step further. Beyond simply influencing your money habits, your mindset can determine:How you deal with financial setbacksHow effectively your can plan for your FIRE lifestyleIf and when you reach your FIRE goalsJoin Dave and Hayden as they discuss how to master your mindset for FIRE. They also exp...
Send us a textIn your Financial Independence Retire Early (FIRE) travels, you may have heard of the First Home Super Saver Scheme. To oversimplify, it’s a government plan which allows you to channel some of your superannuation towards your first home deposit.If you’ve been lamenting the costs of real estate lately, the FHSSS may appeal to you. But is it a worthwhile avenue for buying your first address?In this session, Dave (Strong Money Australia) and Hayden (co-founder of Pearler) will be m...
Send us a textWhen you listen to stories of FIRE (Financial Independence Retire Early), you’d be forgiven for assuming that a huge income is a prerequisite. However, while a hefty salary does help, it’s by no means essential. In fact, many people within the FIRE community have retired early without earning in the top tax bracket.In this episode, Dave (Strong Money Australia) and Hayden (co-founder of Pearler) explore how someone can reach FIRE on a lower income. They do this by crunching the ...
Send us a textThis session, Dave (Strong Money Australia) and Hayden (co-founder of Pearler) are doing something a little different. Instead of exploring some theoretical aspect of Financial Independence Retire Early (FIRE), they share specifically what it is they invest in. They also detail why they’ve chosen these particular investments, and how they tie into each host’s FIRE plans.Of course, the investments discussed in this episode won’t be to everyone’s liking. They also won’t align with...
Send us a textWithin the Australian Financial Independence community, shares have always been a popular asset. With a bit of research, it’s easy to understand why – they’re easy to manage, they don’t require debt, and most people can get started with minimal funds. This raises the question: is investing in shares the best way to reach FIRE?In this episode, Dave (Strong Money Australia) and Hayden (co-founder of Pearler) tackle this topic head on. They do so by exploring the strengths and draw...
Send us a textFor most people on a FIRE journey, frugality is a potent tool in their toolkit. Yes, investing plays a role – but frugality serves a range of key purposes beyond saving. For starters, it can help you unlock money you didn’t even know you were spending. And, perhaps more importantly, it can train you to better manage your finances both pre- and post-FIRE.However, does there come a point at which too much frugality can become a problem?In this session, Dave (Strong Money Australia...
Send us a textYou MIGHT have noticed this, but people in Australia looooooove to talk about property. It’s a surefire conversation-starter if ever you’re struggling to make smalltalk, and the media won’t shut up about it. You’d be forgiven, then, for assuming that home ownership is a lynchpin of any half-decent FIRE strategy.In truth, though, it’s not the only route to long-term wealth in Australia. Sure, anyone aiming for FIRE needs to account for a roof over their head. However, the concept...
Send us a textYou don’t need us to tell you that Covid disrupted a LOT. From the lockdowns, to the obvious health-related dangers, there weren’t many people who were unaffected by its spread. But what has it done for our Financial Independence prospects? For people working towards FIRE before 2020, in what ways did it disrupt their plans? And for those who started after 2021, did Covid change the way new FIRE-seekers need to reach their goals?In this episode, Dave (Strong Money Australia) and...
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