With a name like “Aussie FIRE”, you’d 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. That’s why this episode’s 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, we’ve whittled it down to the following:

“We’ve recently started on our FIRE journey. How can we reach early retirement as soon as possible?”

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 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.

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 podcast’s most popular topics. Shares vs super? You’d better believe it. Debt recycling? There’s 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 – 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 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.

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 don’t 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 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.

Who doesn’t like a good Aussie FIRE case study?

That wasn’t a rhetorical question, and we’re going to give you an answer.

Monsters, that’s who.

…okay, so maybe that’s a bit harsh – we’re sure there are upstanding citizens out there who don’t like Aussie FIRE case studies – but we have a feeling that YOU’ll like this one.

In this session, Dave and Hayden field a question from a listener whose experience mirrors Dave’s. As per usual, we’ve oversimplified the question below so it fits into this episode description:

“My partner and I own our home, and we’re 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?”

While there’s 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 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.

You may well have heard the (correct) adage that investing carries risk. And if you’ve ever missed a mortgage, credit card, or BNPL repayment, you’ll be familiar with the risks of leverage. So, if they’re 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 isn’t for everyone, this session may help you decide whether it’s right for you.

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

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.

What do Aussie FIRE’s Q&As and Ben & Jerry’s ice cream have in common?

Two things:

1. They both feature ampersands
2. They’re both very good

…okay, so that wasn’t 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 community’s most asked questions. From “When is it okay to splurge during a FIRE journey?” to “Investment loans: yay or nay?”, 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 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.

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?

…yeah, nah. In fact, as the title suggests, Dave has accrued 15 years of experience in property investing. And over that timeframe, he’s learned some truths which he wished he’d 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 Dave’s work optional status. But by hearing Dave’s 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 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.

Folks, it’s time for another FI case study – and this one explores a topic that will hit close to home. Keep reading, and you’ll 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:

“Should 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?”

As always, the listener’s 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 listener’s 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 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.