Aussie FIRE | Financial Independence Retire Early

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, Hayden and Dave discuss all things superannuation and walk through the decisions and investing strategies behind their own portfolios.

In this episode they cover:

👉 How their super strategies evolved from default options to more intentional investing
👉 When and why they moved toward high-growth and indexed portfolios
👉 The role of international diversification inside super
👉 Tax considerations that influenced their investment decisions
👉 Hands-on vs hands-off super strategies
👉 Their current super portfolios, including the increasing use of geared ETFs
👉 They also touch on Pearler Super

Dave has also written a new book called 'You've Got Money.. Now What?' 📚

Sign up to Pearler in January and get one free trade per month for 12 months!

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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.

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 decisions.

They’re joined by Renee, an Aussie Fire listener who shares her full financial picture and asks the big question: what should we focus on next?

In this episode they cover:

👉 Renee’s financial position, including income, super, ETFs, and property
👉 Whether to prioritise ETFs, another investment property, or staying the course
👉 How close Renee already is to financial independence
👉 Semi-retirement, and buying back family time
👉 The trade-offs between property debt and lifestyle flexibility
👉 Why compounding (not contributions) is doing most of the work now

Sign up to Pearler in January and get one free trade per month for 12 months!

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

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.

Sign up to Pearler in January and get one free trade per month for 12 months!

In this episode Hayden and Dave are opening their DM’s to answer some listener questions.

In this episode they cover:
👉 ETF strategy: all-in-one funds vs splitting across ETFs
👉 Coast FIRE and slowing down on the path to FI
👉 Dividends vs growth portfolios near retirement
👉 Cash ETFs and when (if ever) they make sense

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

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.

Sign up to Pearler in January and get one free trade per month for 12 months!

Welcome to part two! In part two of this episode, Hayden and Dave are unpacking:

👉 The pressure to get on the ‘property ladder’
👉 Renting vs buying and your long-term goals
👉 The idea that rent money is dead money
👉 Investing in every asset class to be diversified
👉 Maxing out your super

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

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.

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 this episode, Hayden and Dave unpack:

👉 If insurance is actually worth it (plus simple calculations you can use to decide if it’s right for you)
👉 Bucket systems and if they can help you manage your money, spending, and savings
👉 Finding work–life balance while still chasing your goals and dreams
👉 How young people can get ahead in today’s tougher economic environment
👉 Should I work harder when I'm younger, or have fun and spend my money?
👉 Whether you should take a more cautious approach to investing as you get older

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.