Aussie FIRE | Financial Independence Retire Early

Hayden Smith & Dave Gow
  • 4.6 (122)
  • INVESTING
  • UPDATED WEEKLY

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.

  1. 2 DAYS AGO

    73. CGT and Negative Gearing: What the Budget Could Change for Investors

    The federal budget is coming, and there's already noise around two policies that could shake up the investment landscape: capital gains tax and negative gearing. Hayden and Dave break down what's actually being floated, and what it could mean for your portfolio. They cover: 👉 How governments "soft launch" policy changes before they're official, and why it matters for investors right now 👉 The current CGT discount rules and the proposals that could change what you actually keep when you sell 👉 Whether indexation could be a better deal than a flat discount, depending on how long you've held an asset 👉 The grandfathering question that every existing property investor needs answered before panicking 👉 How capping negative gearing could reshape who benefits from it and what it means for property prices Plus, a timely reminder on building your investing strategy around any single tax settings. Ask a Question FI Case Study Request Form Pearler Strong Money Australia Original Aussie FIRE e-book Dave's books on Amazon and Spotify 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 Hosted on Acast. See acast.com/privacy for more information.

    50 min

  2. 1 MAY

    72. Case Study: Doubling down on investment properties vs. shares

    Chris is at a crossroads and unsure which way to go. He's spent time in his career working in real estate, and now he's trying to decide whether to buy a family home, double down on investment properties, or pivoting entirely into a more aggressive share portfolio. He's got a good case of analysis paralysis, and Hayden & Dave are here to help him work through some of the numbers and thinking behind it all. In this episode they cover: 👉 How much Chris saves & invests on a $170k household income 👉 His ultimate FIRE goal 👉 What Chris should do with an underperforming IP 👉 Chris' concerns about mortgage stress 👉 How Hayden & Dave would approach all of these things! Ask a Question FI Case Study Request Form Pearler Strong Money Australia Original Aussie FIRE e-book Dave's books on Amazon and Spotify 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 Hosted on Acast. See acast.com/privacy for more information.

    39 min

  3. 24 APR

    71. Q&A: Homebuyer’s regret + does flipping houses still work?

    Got a property and wondering if it's time to sell, rent it out, or just… hold on? In this episode, Dave and Hayden tackle two listener questions that a lot of people are quietly sitting with. First up is a listener who bought their first home two years ago is now craving more flexibility to make some big career moves, and wants to know whether to sell or become an accidental landlord. Then, they dig into the age-old question of house flipping and whether or not it still stacks up in today's market? They'll walk through the numbers you need to crunch and the situations where it might actually make sense. It's pearler's 5th birthday! Get 5 free trades here 🥳 Ask a Question FI Case Study Request Form Pearler Strong Money Australia Original Aussie FIRE e-book Dave's books on Amazon and Spotify 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 Hosted on Acast. See acast.com/privacy for more information.

    46 min

  4. 17 APR

    70. Living off your portfolio during a market downturn

    What happens if the market crashes as soon as you hit FIRE? In this episode, Hayden and Dave get into one of the most practical and underrated challenges of early retirement: actually living off your portfolio when things get rocky. They cover: 👉 The stage of retirement where you're most at risk from market volatility 👉 The psychological shift from receiving a paycheck to relying on a portfolio, and why it's harder than it sounds 👉 Why having a backup plan before you need one changes everything 👉 Cash buffers, flexible income and expense levers you can pull without selling assets at the wrong time 👉 How debt, home equity and diversification fit into a drawdown strategy It's pearler's 5th birthday! Get 5 free trades here 🥳 Ask a Question FI Case Study Request Form 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 Hosted on Acast. See acast.com/privacy for more information.

    56 min

  5. 10 APR

    69. FI case study: Rentvest vs. ETFs

    What happens when a government equity scheme starts to feel like a trap? In this episode, Hayden and Dave sit down with listener Steve to unpack his property situation and map out a path forward. Steve is a self-employed sports coach earning around $120,000–$130,000 a year, with a partner on $100,000. He owns an apartment worth roughly $570,000, holds a $200,000 ETF portfolio, and used the Victorian Homebuyer Fund to get into the market with a 25% government equity stake still sitting on his property. In this episode they cover: 👉 How the Victorian Homebuyer Fund works and why Steve is feeling stuck 👉 Whether refinancing could free him from the government equity stake without selling his ETFs 👉 The case for rent-vesting as a flexible alternative to upsizing 👉 How to weigh lifestyle preferences against pure FIRE optimisation 👉 Why financial flexibility can matter more than squeezing every dollar out of a strategy It's pearler's 5th birthday! Get 5 free trades here 🥳 Ask a Question FI Case Study Request Form 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 Hosted on Acast. See acast.com/privacy for more information.

    38 min

  6. 3 APR

    68. Q&A: Selling shares for solar panels, 5% deposit scheme & high-growth investing

    In this week's episode of Aussie FIRE, Hayden and Dave are unpacking some listener questions around: 👉🏼 Selling shares to invest in solar panels at home 👉🏼 The 5% deposit scheme for first home buyers 👉🏼 Vanguard ETFs 👉🏼 And investing for high growth with a 5-8 year timeline As always, they'll unpack it, share their thoughts, and come at it from a few different angles. Hope you enjoy it! Ask a Question FI Case Study Request Form 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 Hosted on Acast. See acast.com/privacy for more information.

    45 min

  7. 27 MAR

    67. How we would invest $1M

    What would you do if $1 million landed in your bank account tomorrow? In this episode, Hayden and Dave get hypothetical and things get interesting fast. From taking on a gelato giant to debating whether a swimming pool counts as a financial decision, this one's a little different. But buried in the fun are some genuinely useful ideas about how people at different stages of their FIRE journey think about sudden wealth. Ask a Question FI Case Study Request Form 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 Hosted on Acast. See acast.com/privacy for more information.

    49 min

  8. 20 MAR

    66. Q&A: US Tech Risk & Ethical Investing

    In this episode, we answer two listener questions. One on ethical investing and ESG funds, and another on managing tech concentration in a portfolio. We'll unpack: 👉 Whether aligning with ESG principles means reducing exposure to Australian equities 👉 Why assuming the US market will always outperform Australia might be 👉 What the ethical ETF DZZF is 👉 Why defining “ethical” companies is harder than it seems 👉 The trade-offs of ESG investing 👉 An alternative approach: investing broadly and donating the fee savings? 👉 Why adding more ETFs might not protect a portfolio from a major market crash 👉 How to think about tech concentration in your portfolio Ask a Question FI Case Study Request Form 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 Hosted on Acast. See acast.com/privacy for more information.

    40 min
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4.6
out of 5
122 Ratings

About

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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