Aussie FIRE | Financial Independence Retire Early

This podcast explores property investing in Australia, including planning and strategies, the rent vs buy debate, and factors to consider. It also shares a personal journey to financial independence through self-taught knowledge on investing and personal finance.

Send us a textFirst 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 leverage can sap our resources, they can, in some cases, propel our long-term investing. With this idea in mind, Victor from the Frugal Samurai uses this chapter to explore how leverage can serve our FIRE goals. He also assesses different leverage strategies for FIRE, and compares the pros and cons for each.  Would you prefer to read this content? Meander on over to our blog. DISCLAIMER: This chapter references general topics like debt and financial leverage, but nothing included should be interpreted as tax or credit advice. You should see a tax adviser if considering these topics.PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.

Discover why geographic diversification is crucial for Australian investors as local markets can be limiting. Learn how international equities enhance your portfolio with exposure to sectors like tech and healthcare. Explore different ways to invest abroad, including ETFs and managed funds. The discussion highlights the importance of understanding currency risks, tax implications, and how to navigate foreign investments. Ms. FieryIce recommends holding a significant portion of growth assets internationally, ensuring your portfolio is well-rounded and resilient.

Send us a textOften, 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 serve as a bulwark against disaster. In this chapter, Alex and Ellie from HisHerMoneyGuide cover the role super can play in your FIRE journey. They also explore how much super you need later in life, and discuss how to layer super in to your broader investing game. Listen to the chapter, or read it here. PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.

Send us a textAt 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 optimisation comes into play. In this chapter, Kurt from Pearler explores a Nobel Prize-winning form of portfolio optimisation called Modern Portfolio Theory. He also details how to put this theory into practice, and how to measure its impact on your portfolio. This one goes out to all the FIREstarters who want to get scientific about their investments!PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.

Send us a textHave 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 forgiven for thinking that FIRE is a young person's game. Fortunately, Shaun from Project Palm Tree is here to tell us that nothing could be further from the truth. In this chapter of Aussie FIRE, Shaun covers different FIRE strategies for older investors. He also details how embarking on your FIRE journey later in life can lead to some surprise benefits. Would you rather read over this chapter at your leisure? Head on over to our blog!PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.

Send us a textIf 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 hasn't already given it away, she's living proof that FIRE with a family is within your grasp. While it may require some extra planning, there's no reason you can't reach Financial Independence with children in tow. Tune into this chapter of Aussie FIRE to learn how you can retire early with tots! PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.

In this podcast, the concept of playing the long game in achieving financial independence is discussed. Topics include curating a balanced lifestyle, setting boundaries, celebrating milestones, choosing reliable sources for financial advice, and finding the right balance in your financial journey.

Send us a textIn 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 variety of wealth-building options available to you. These range from the common, such as bonds and high-interest savings accounts; to the more exotic, like precious metals. He also compares different investing strategies, so you can decide which assets (or which balance of assets) are right for you.  PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.

Send us a textThere 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 moths around a, er, flame. In this chapter, Ms. FieryIce from Two To FIRE explore why shares have historically been so popular amongst the FI community. She also details different shares investing strategies, and highlights the key fundamentals of investing with shares for FIRE. By the chapter's end, you'll have a clear idea of how shares investing can align with your long-term goals. PearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong 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-guideIf 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.