Aussie FIRE | Financial Independence Retire Early 53. FI case studies: Retiring in Australia vs. overseas, planning for a partner and kids, and house price anxiety
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Dec 5, 2025 Dave and Hayden explore compelling case studies, tackling the financial dilemmas of planning for family versus staying single. They delve into the challenges of living in Australia versus potential retirement in Colombia, analyzing factors like cost of living and emotional impacts. The duo emphasizes how household structures affect savings and risk capacity. They also discuss the complexity of managing finances when finding a partner or raising kids, offering valuable insights into future wealth strategies and the importance of maintaining financial flexibility.
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Parallel Futures Change Your FI Number
- With $100k start and $3k monthly at 5% real return, you can reach ~A$1.1m in 16 years and $1.5m including super growth.
- Geographic choices (Australia vs Colombia) change spending power and access to super, so model both futures.
Stop Comparing Super Balances
- Avoid comparing your super to lifelong residents because migrants start compounding later and circumstances differ.
- Focus on what you can control: savings rate and investment plan, not peers' balances.
Partnerships Help; Kids Add Uncertainty
- Partners often create economies of scale and can improve individual wealth by 10–30% if aligned on goals.
- Children add variable, often sudden costs that complicate FI timing and planning.