Aussie FIRE | Financial Independence Retire Early

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 and the FIRE community, cutting through the political noise to focus on what actually affects your money.

They cover:
👉 The switch from the 50% CGT discount to indexation
👉 The surprise 30% minimum tax floor on capital gains that nobody saw coming, and who it really hits
👉 Why the "death of debt recycling" narrative doing the rounds online misses the point entirely
👉 Negative gearing changes, what's grandfathered, what's not, and who actually benefits
👉 How growth vs. dividend investing strategies stack up under the new rules
👉 Whether super just became a lot more attractive overnight
👉 The six year exemption loophole that rentvesting fans will want to know about

There are still plenty of details being worked out in Canberra, exemptions being carved out, and edge cases nobody has good answers to yet, but these are our thoughts so far.

Free calculator here to work out your CGT with the new proposed changes.

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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.

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.

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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.

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.

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.

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.