Cele mai bune Retire Early podcast-uri (2024)

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26. A deep dive into Hayden's finances 1:07:15

6d ago1:07:15

1:07:15

Send us a text 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 …

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25. Q&A: Dave's portfolio, debt recycling follow-ups, and a listener's success story 1:11:35

20d ago1:11:35

1:11:35

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 ab…

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24. House vs apartment: How to optimise your home price for FIRE 45:32

1M ago45:32

45:32

Send us a text 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 h…

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23. Investing mistakes we've made (and what we've learned) 53:32

2M ago53:32

53:32

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 – in fact, were it not for their investing mistakes, they wouldn’t ha…

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22. Singles vs couples: which is better for FI? 47:20

2M ago47:20

47:20

Send us a text 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 answe…

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21. Aussie FIRE Q&A: ETF strategy, FI case study, and investing for kids 47:34

3M ago47:34

47:34

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 …

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20. Debt recycling part 2: FAQs 59:49

3M ago59:49

59:49

Send us a text 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 …

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19. Debt recycling: What is it and who can benefit from it? 56:09

3M ago56:09

56:09

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 w…

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18. A deep dive into Dave’s finances 45:03

4M ago45:03

45:03

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…

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17. Aussie FIRE Q&A: Dividends, timing the market, and ethical investing 50:59

4M ago50:59

50:59

Send us a text Since 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 …

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16. How to calculate whether to rent or buy your home 43:56

5M ago43:56

43:56

Send us a text Housing 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 t…

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15. Is university worth the money? 49:58

5M ago49:58

49:58

Send us a text In 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…

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14. Mastering your mindset 53:54

6M ago53:54

53:54

Send us a text Previously 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 setbacks How effectively your can pl…

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13. Using super to buy a home quicker 46:14

6M ago46:14

46:14

Send us a text In 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. Bu…

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12. Achieving FI on a lower income 54:57

7M ago54:57

54:57

Send us a text When 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, …

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11. What we invest in & why 55:44

7M ago55:44

55:44

Send us a text This 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…

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10. Are shares the best path to FIRE? 49:52

8M ago49:52

49:52

Send us a text Within 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 thi…

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9. When does frugality go too far? 55:43

8M ago55:43

55:43

Send us a text For 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 bot…

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8. How important is housing to FIRE? 1:10:11

9M ago1:10:11

1:10:11

Send us a text You 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’…

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7. Has FIRE changed since Covid? 41:29

9M ago41:29

41:29

Send us a text You 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 …

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6. Passing on the lessons we’ve learned 1:02:54

10M ago1:02:54

1:02:54

Send us a text Knowledge is a lot like compound interest: the more you accrue, the faster it grows. How, then, can we ensure that others around us, and future generations, are growing their knowledge the right way? And, more importantly, how can we help them to avoid the mistakes we’ve made? In this session, Dave (Strong Money Australia) and Hayden…

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5. Choosing work for income vs enjoyment 42:52

10M ago42:52

42:52

Send us a text One of the greatest joys of FIRE are these two hyphenated words: “work-optional”. The freedom to choose whether to work, and what to work on, is a key motivator for many FIRE-seekers. In the meantime, though, there’s little that’s work-optional about the journey towards FIRE. For anyone who aims to reach Financial Independence, paid …

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4. Balancing future goals with current desires 48:02

10M ago48:02

48:02

Send us a text “I’m saving for a home deposit right now, but my friends just invited me to a bottomless brunch. I know that every dollar counts, but I don’t want to miss a morning with my friends. What should I do?” For many everyday Aussies, tradeoffs like this are not uncommon. But for anyone on a journey towards FIRE, they’re a regular part of l…

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3. How different mindsets affect your money habits 57:19

11M ago57:19

57:19

Send us a text In the realm of money psychology, different mindsets can affect the way we spend, save, and invest. Two of the most relevant mindsets for FIRE are scarcity and abundance. To strip them down to their scaffolding: a scarcity mindset can help you save, but make you worry. An abundance mindset leads you to look at the biggest expenses, a…

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2. How to deal with financial surprises and setbacks 39:38

11M ago39:38

39:38

Send us a text The road to FIRE is seldom a straight line. Between job losses, home repairs, medical issues, and other unwelcome surprises, our best laid FIRE plans can easily come derailed. Fortunately, as with most aspects of FIRE, it’s possible to prepare for financial hardship. In doing so, you can mitigate its impact on your FIRE progress. In …

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1. Questions on money, freedom, and a FIRE’d lifestyle 44:08

12M ago44:08

44:08

Send us a text The quest for FIRE (Financial Independence, Retire Early) requires planning, discipline, and structured money management. It’s no surprise, then, that most FIRE-craving people focus on these topics (or aspects of them). Even so, a sound FIRE strategy doesn’t begin and end with saving, budgeting and investing. Our goals once FIRE’d, a…

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0. Welcome to the Aussie FIRE podcast 29:49

1y ago29:49

29:49

Send us a text Welcome to Aussie FIRE, the podcast designed to educate and inspire you towards a better future! This podcast evolved from an audiobook of the same name, and explores the path to FIRE – Financial Independence, Retire Early. If you want to level up your FIRE game without being overwhelmed by jargon, this is the show for you. In our in…

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The Aussie FIRE Audiobook | Conclusion 8:28

1y ago8:28

8:28

Send us a text Congratulations! You've made it to the final chapter of our original Aussie FIRE audiobook. In each chapter, we've covered a different step in the journey towards Financial Independence. Now that we've reached the end of the book, we wanted to reflect on everything we've covered. That way, you can extract the key points from Aussie F…

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Chapter 24: Wealth beyond money 19:46

1y ago19:46

19:46

Send us a text From budgeting to ETFs, this audiobook has covered a range of routes to reach FIRE. However, beyond earning, saving, and investing, there are non-monetary tools that can propel you closer to your goal. And in this chapter, we're going to explore what they are, and how they can help you. Join Michelle from Frugality & Freedom as she d…

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Chapter 23: Build financial resilience 19:03

1y ago19:03

19:03

Send us a text For many, reaching FIRE (Financial Independence Retire Early) is a best case scenario. However, it's even more important to prepare for WORST case scenarios. Investments can crash, interest rates can change, disaster can strike – and without a capacity to adapt, your FIRE could be extinguished. Luckily, that's what this chapter is al…

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Chapter 22: Life Once FIRE’d 13:45

1y ago13:45

13:45

Send us a text In the last chapter, we covered how to choose your FIREstyle. By "FIREstyle", we mean the type of life you'd like to live once you've retired early. This time, we're forging further into our FIRE futures to assess what life will look like on a day-to-day basis. In this chapter, Dave Gow from Strong Money Australia gives you a glimpse…

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Chapter 21: Find your FIREstyle 17:33

1y ago17:33

17:33

Send us a text Much of this audiobook has focused on the path to FIRE (Financial Independence, Retire Early). So far, though, there's a crucial question we haven't asked: "What will you do once you reach it?" To many listeners, this might seem like a textbook definition of a champagne problem. But by asking yourself this question now, you'll arm yo…

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Chapter 20: Property investing meets FIRE 23:58

1y ago23:58

23:58

Send us a text There's an old joke that's been kicking around for the past decade or so: "If you're struggling to make conversation with an adult Aussie, ask them for their thoughts on the housing market." Real estate can be a fraught topic in Australia - not least of all because it's so expensive. In fact, there's been a growing assumption that th…

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Chapter 19: Fuel for the FIRE - Leverage 20:45

1y ago20:45

20:45

Send us a text First off, we want to make something clear: debt and leverage can be a slippery slope. Many people in our community either avoid debt like the plague, or see it as a demon to slay. In fact, badly managed debt can scuttle even the surest of FIRE plans. However, as we've said before, not all debt is created equal. While debt and levera…

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Chapter 18: International investing for Aussies 17:20

1y ago17:20

17:20

Send us a text We Aussies love to travel abroad. More than half of us have passports, which makes us one of the world's more globe-trotting nations. If you're investing, though, you shouldn't confine that global outlook to the airport. Your portfolio could also benefit from some international love. In this chapter, Ms. FieryIce from Two to FIRE del…

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Chapter 17: Superannuation and FIRE 19:20

1y ago19:20

19:20

Send us a text Often, the FIRE community focuses on the more eye-catching routes to early retirement - shares, ETFs, real estate, budgeting. However, superannuation can also play a pivotal role in lighting your FIRE. Sure, it may not factor much into the "Early" part of "Financial Independence Retire Early". But as part of nuanced strategy, it can …

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Chapter 16: Optimise your portfolio 23:32

1y ago23:32

23:32

Send us a text At Aussie FIRE, we believe that investing regularly in low-cost ETFs will trump endless research. Forget an encyclopaedic market knowledge, or a deep grasp of macroeconomics; the secret ingredient is consistency. Even so, there are some investors who may want to ensure their assets run as a well-oiled machine. This is where portfolio…

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Chapter 15: FIRE for late starters 25:22

1+ y ago25:22

25:22

Send us a text Have you read many early retirement success stories lately? Chances are, most of them featured investors who were too young to have used a cassette tape non-ironically. And don't get us wrong – anyone who can retire before their joints start to creak has our undying respect. However, given the tenor of these case studies, you'd be fo…

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Chapter 14: FIRE with a family 24:28

1+ y ago24:28

24:28

Send us a text If you search online for FIRE resources, you'll likely find a slew of articles targeted at singles or couples. In contrast, the idea of reaching FIRE with children seldom rates a mention. Is it because kids simply cost too much to fit into a FIRE framework? In this chapter, we hear from Ms. FireMum on that very question. If her name …

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Chapter 13: Learn to play the long game 15:14

1+ y ago15:14

15:14

Send us a text The Financial Independence Retire Early movement benefits from a long-term mindset. For many investors, this equates to concepts like time in the market, dollar-cost averaging, and militant budgeting. And, yes, there's a time and place for all three of these strategies. However, by only focusing on the numbers, we skip a crucial trut…

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Chapter 12b: Diversifying with other assets 30:21

1+ y ago30:21

30:21

Send us a text In our last chapter, we detailed why shares and index-tracking funds have historically been so popular with the FIRE community. However, there's more than one way to start FIRE. By learning about the full spectrum of assets, you can make the right FIRE choices for your goals. That's why Captain FI spends this chapter diving into the …

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Chapter 12a: Why FI loves shares 17:41

1+ y ago17:41

17:41

Send us a text There are a slew of different ways to reach Financial Independence and Retire Early. However, there's one method that stands tall above the others in terms of FIRE popularity. And that method is shares investing. While other assets classes have always enjoyed FI representation, FIREbugs have historically clustered around shares like …

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Chapter 11: Why you should invest ASAP 24:39

1+ y ago24:39

24:39

Send us a text Within the long-term investing community, the phrase "time in the market beats timing the market" is something of a motto. In this chapter, you'll find out why. Join Kate Campbell from Rask as she explores the benefits of getting started early with investing. These include the magic of compound interest, the power of making mistakes …

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Chapter 10: Prepare for emergencies 28:04

1+ y ago28:04

28:04

Send us a text Sometimes, despite our best efforts, life can get in the way of our FIRE plans. Unwelcome surprises can place demands on our finances, and if we aren't prepared, our investments can take a hit. That's why, in any Financial Independence journey, it pays to be ready for emergencies. In this chapter, Latestarterfire helps you determine …

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Chapter 9: Get the most BFYB 27:10

1+ y ago27:10

27:10

Send us a text "Work smart, not hard" is a philosophy that's applicable to countless areas of life. Perhaps nowhere is this truer than in the quest for FIRE. Don't believe us? Ask Aussie Firebug - a man so FIRE-y he has "fire" in his name. And you'd better believe he brings the FIRE to this chapter...because he does. In this next instalment of Auss…

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Chapter 8: Beyond the easy wins 18:33

1+ y ago18:33

18:33

Send us a text In the last chapter, we covered the easy wins to be found on the journey towards FIRE. However, to really progress towards our goals, we need to assess our spending behaviour, budgeting habits, and relationship with money. The good news is: it's not as painful as it sounds. In this chapter, Kara from The Flawed Consumer explores how …

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Chapter 7: Bag the easy wins 16:01

1+ y ago16:01

16:01

Send us a text There's no hack, secret formula, or "one weird trick" that can propel any of us to financial freedom. Even so, many well-meaning resources out there have a habit of overcomplicating FIRE. While achieving FIRE does require structure and discipline, there are also easy wins to be had along the way. That's why Miss Balance from All Abou…

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Chapter 6: Focus on savings before earnings 15:39

1+ y ago15:39

15:39

Send us a text There are an array of factors that contribute to a solid FIRE strategy. Arguably, though, none are more important than saving. Sure, increasing your salary can give you more money to work with. However, if you don't form savings habits, your earnings may not bring you closer to your FIRE goal. In this chapter, Aussie Firebug explores…

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Chapter 5: Get perspective - A tale of two spenders 16:56

1+ y ago16:56

16:56

Send us a text What happens when you spend an extra $27.50 a day? You lose $10,000 a year in savings. That's what Mrs Hack from Sustainable Living has set out to explore in this chapter. Join us as we follow the lives of two people - one who spends, and one who saves. On the surface, their circumstances and daily routines don't look all that differ…

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Chapter 4: Dealing with debt emergencies 16:12

1+ y ago16:12

16:12

Send us a text When left unchecked, debt can pose a real problem to Financial Independence. Poor credit scores, insecurity, and even debt collectors can become a reality before you know it. Even so, debt emergencies don't need to spell the end of your FIRE dreams. With a structured approach and some budgeting know-how, you can extinguish your debt …

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