Aussie FIRE | Financial Independence Retire Early
Kanalaren Xehetasunak
Aussie FIRE | Financial Independence Retire Early
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 in...
Atal Berriak
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78. Case Study: Should we buy or keep renting on the path to FIRE?
When your landlord puts the property up for sale, the rent vs. buy question stops being theoretical. For Shyann and her husband, that moment became th...
77. FIRE Later vs. Living Now
Today Hayden & Dave are unpacking an email they received from a listener. He's 29, originally from the UK, drives trucks for a living and keeps moving...
76. Should your portfolio change as you approach FI?
In this episode, Hayden and Dave dig into one of the most overlooked parts of the FI journey: what to do with your investments as you get closer to pu...
75. A Final Word on the Budget: How We're Thinking About it Now
The episode was updated on the 30th of May to remove some comments around assumptions around tax losses in the new budget if an asset underperforms in...
74. The Budget: What it actually means for investors
The Australian federal budget just dropped and there is a lot to unpack. Hayden and Dave dig into the changes that matter most for everyday investors...
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 negati...
72. Case Study: Should Chris Buy a $1.5m House on $170k?
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 bu...
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...
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 challen...
69. FI case study: Exiting a government equity scheme
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 p...
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 pane...
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 fas...
66. Q&A: Ethical ETFs
In this episode, we answer two listener questions. One on ethical investing and ESG funds, and another on managing tech concentration in a portfolio....
65. Hayden's top 10 lessons from 10 years of renting
In this episode, Hayden reflects on 10 lessons from 10 years of renting — covering everything from bonds and inspections to negotiating rent and manag...
64. The mindset that made Tash start investing at just 18
This week on the pod we're chatting with Natasha Etschmann, or you may know her as 'Tash Invests' online. We wanted to know what life was like for Tas...
63. FI case study: Should I buy my first home with a 5% deposit, or wait until I have 20%?
Should you buy your first home with a 5% deposit, or wait until you have 20%? In this episode, Hayden and Dave sit down with listener Khaing to unpack...
62. Is the 4% rule for early retirement still relevant?
Is the 4% rule still relevant, or has the FIRE movement outgrown it? In this episode, Hayden and Dave break down where the 4% rule came from, why it’s...
61. Q&A: Debt recycling
Debt recycling can be powerful, but the details matter. In this listener Q&A episode, Hayden and Dave tackle common questions on debt recycling and in...
60. FI case study: Should Andy buy a 4th IP or diversify into ETFs?
Property has worked well for Andy so far. The question is whether it’s still the best path forward. In this case study episode, Dave and Hayden sit do...
59. FIRE Later, or Mini-Retirement Now?
Is taking a year off work a bold life move or a setback on the road to financial independence? In this episode, Hayden and Dave dig into mini-retireme...
58. Is your super working hard enough for you?
Is your super quietly doing its thing in the background? That might be fine, but there are a few details worth paying attention to. In today’s episode...
57. FI case study: Renee might be closer to financial independence than she thinks
Hayden and Dave are taking Aussie FIRE case studies up a notch by inviting a listener onto the podcast to walk through her real-life numbers and decis...
56. Q&A: ETF strategy, coast FIRE, dividends vs. growth + cash ETFs
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In this episode Hayden and Dave are opening their DM’s to answer s...
55. Financial advice we're not subscribing to - part 2
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Welcome to part two! In part two of this episode, Hayden and Dave...
54. Financial advice we're not subscribing to - part 1
If you’re a young person today, it can feel like you’re playing a new game while still being expected to follow old rules that no longer quite fit. In...
53. FI case studies: Retiring in Australia vs. overseas, planning for a partner and kids, and house price anxiety
In this episode, Dave and Hayden dive into a fresh round of FI case studies and the life-planning dilemmas that shape our money decisions. They start...
52. Q&A: Cashflow vs Growth: Monthly ETFs, Tax Tweaks, and Super Strategies
In this episode, Dave and Hayden tackle four FI dilemmas. They unpack the allure of monthly-income ETFs like HYLD and why payout timing shouldn’t trum...
51. Investing for growth vs income
Dave and Hayden unpack one of the biggest questions on the path to financial independence: should you focus on dividend income or capital growth?
50. FI case studies: Retiring in Your 50s and Investing vs Paying Off the Mortgage
In this episode Dave and Hayden explore two real-life case studies.
First, they discuss whether a couple in their fifties truly needs 25 times t...
49. Q&A: Market highs, geared super, investment bonds
This episode, Dave and Hayden tackle three big listener questions:
Dave and Hayden unpack the pros, cons, and myths...
48. Offsets vs Investing: What’s Really Best for Your Mortgage?
Should you pour extra cash into your offset account, stash it in savings, or invest it? In this episode, Dave and Hayden break down the numbers and tr...
47. Case studies: Escaping Mortgage Prison & Switching from Property to Shares
In this episode, Dave and Hayden tackle two listener case studies. They dive into the emotional and practical trade-offs of selling vs holding propert...
46. Q&A: Employee share schemes, LICs, and mental accounting
In this Q&A episode, Dave and Hayden unpack three listener questions:
Timecodes:
(00:00) Intro
(02:30) E...
45. From super to surcharges: tax strategies you should know about
In this episode, Dave and Hayden continue their discussion on tax, covering practical tips and personal experiences. They explore the First Home Super...
44. Tax strategies we actually use (and would consider)
Nobody loves paying tax – but how much time should you really spend trying to avoid it?
In this episode, Dave and Hayden share their personal ap...
43. FI case studies: Retiring now, investing with kids, and using SMSFs
Imagine being a sci-fi film buff in the year 1986.
In the prior several years, you would have been treated to the original Star Wars trilogy, a...
42. Q&A: “The gold boom, work/life balance, and will AI kill share investing?”
“These Aussie FIRE Q&As are, in my opinion, the single best resource on Earth for long-term investors.” - Warren Buffett
So it probably won’t su...
41. What to do when the market crashes
The phrase “market crash” has appeared in the media (both traditional and social) a lot this year. Those of you with iron stomachs and 20-year horizon...
40. FI case study: "How can we retire as soon as possible?"
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,...
39. Q&A: "Property vs shares, debt recycling, and the downsides of super"
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.