『Aussie FIRE | Financial Independence Retire Early』のカバーアート

Aussie FIRE | Financial Independence Retire Early

Aussie FIRE | Financial Independence Retire Early

著者： Hayden Smith & Dave Gow
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10月19日まで。※適用条件あり

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 investing community; and Dave Gow, the brains behind Strong Money Australia. Each episode explores a different aspect of Financial Independence, so stay tuned for new releases!


https://pearler.com


https://strongmoneyaustralia.com/


DISCLAIMER: We’re big fans of sharing experiences and talking about money. However, please note that any advice is general, and does not consider your financial situation, needs, or objectives.


Consider whether it's appropriate for you, and if in doubt, speak to a licensed financial adviser.

Hosted on Acast. See acast.com/privacy for more information.

17756e50-5090-11f0-bea4-e5b729f34c19 個人ファイナンス 経済学
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  • 92. How your upbringing shapes your relationship with money

    92. How your upbringing shapes your relationship with money
    2026/09/18
    How much of your relationship with money was shaped before you were old enough to earn any?In this episode, Dave and Hayden look back at their own childhoods and unpack how financial stress, family circumstances and the people around us can shape our beliefs about money. They explore everything from frugality and risk-taking to ambition, scarcity and the feeling that there is never quite enough.This is a more personal episode of Aussie FIRE. It is not about finding the perfect investment strategy. Instead, it is about understanding where some of our money habits might come from.In this episode:🏠 How growing up in lower-income households shaped Dave and Hayden’s early views of money, security and wealth💰 Why financial hardship can build strong saving habits, while sometimes making it harder to feel comfortable taking risks🛟 How having a family financial safety net can change the risks someone feels able to take with careers, businesses and investing🧠 Why money stress can stick around even after your financial position improves🐛 Hayden’s “money worm”, the voice that keeps asking what could go wrong, even when things are going well📈 How different childhood experiences influenced when Dave and Hayden became interested in investing and building wealth💼 Why Hayden chose to reduce some of the risk of starting a business by working extremely hard elsewhere at the same time🍔 How financial stress can make short-term comfort more appealing, even when it costs more over the long run👨‍👩‍👧 Why people raised in the same household can develop completely different attitudes towards spending, saving and risk🎯 When financial motivation can turn into compulsion, including the FIRE community’s familiar “one more year” problemThe big takeaway? Your upbringing can influence how you think about money, but it does not write the whole story. Personality, experience and the people around you matter too. Understanding where your habits come from can help you decide which ones still serve you, and which ones might be worth questioning.Questions, disagreements or your own scenario: hello@aussiefirepod.com or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer: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.
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    44 分
  • 91. Work optional at 34 with Anthony Nguyen

    91. Work optional at 34 with Anthony Nguyen
    2026/09/11
    Anthony Nguyen spent around a decade building towards financial independence. But when he got close to his target, he did something many people struggle to imagine: he stopped early.After years in commercial banking, Anthony took a career break, stepped away from the corporate world, and discovered that financial independence wasn't really about doing nothing. It was about creating the freedom to do more meaningful work, build stronger relationships and design life on his own terms.In this episode we'll discuss:💸 How Anthony went from feeling the Sunday scaries in commercial banking to Googling "how do I not work forever?" and discovering the FIRE movement💸 Why he moved away from individual shares and towards ETFs after learning some painful early investing lessons💸 Why property investing never appealed to him, despite growing up in Sydney surrounded by the belief that property should be the default path💸 Renting forever by choice: how minimalism, travel and geographic freedom shaped Anthony's view of housing💸 The 50% savings rate he adopted early in his career, and how salary increases went straight into investments instead of lifestyle upgrades💸 Why Anthony didn't wait until reaching 25 times his annual expenses before stepping away from work💸 The impact of Die With Zero, and why good health, time and financial stability pushed him to bring his plans forward💸 Why the first year of freedom wasn't simply endless travel, cycling and hobbies — and how boredom and isolation forced him to rethink what a good life actually looked like💸 Anthony's version of a perfect day: meaningful work, meaningful relationships and some form of physical activity💸 Why FIRE didn't remove work from his life — it helped him discover work he actually wanted to do💸 Going from full-time banking to no work, then part-time work, freelancing and eventually creating content and building a cycling community💸 The loneliness nobody talks about after leaving a 9-to-5, and why Anthony had to deliberately rebuild social connection and routine💸 His current portfolio approach, with most of his net worth in ETFs and smaller allocations to individual shares and crypto💸 Why he no longer treats the 4% rule as a hard target, and how even modest income from meaningful work can change the maths dramatically💸 The psychological shift that comes from earning your first dollar outside a salary — and why Anthony believes people often underestimate their ability to earn again after leaving corporate life💸 Why he's now giving himself permission to spend more, rather than automatically investing every spare dollar💸 Anthony's question for keeping lifestyle creep in check: "What is my enough?"💸 His practical suggestion for anyone getting close to FI but unsure about quitting: check whether your employer offers a career break and test the lifestyle before making the leap permanentThe thread through all of it: financial independence can solve the money problem, but it doesn't automatically solve questions around purpose, identity, relationships or how to spend your time.For Anthony, stepping away from corporate life wasn't the end goal. It gave him the space to work out what he actually wanted his life to look like.Questions, disagreements or your own scenario: hello@aussiefirepod.com or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer: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.
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    48 分
  • 90. VAS disappoints, avoiding a crash, US tech forever?

    90. VAS disappoints, avoiding a crash, US tech forever?
    2026/09/04
    Is the Aussie share market still worth it? Should a new investor wait for the next crash? And how much tech exposure is too much?Dave and Hayden open the listener mailbag and tackle three questions that all circle the same problem: it's very easy to make long-term decisions based on what has worked lately.In this episode we'll discuss:💸 Whether broad Australian shares still make sense for long-term income, especially after a weaker dividend period had one listener questioning their strategy💸 Why a high-yield Australian share ETF has beaten the broader Aussie market over the past five and ten years — and why that doesn't mean it will keep doing so💸 Recency bias in action: the temptation to look at the last decade's winner and assume you've found the best investment for the next decade too💸 Why comparing cash with shares over a single year doesn't tell you much, especially when shares have both an income and a growth component💸 The hidden risks inside REITs: leverage, management decisions and concentration in areas like offices or retail can make a high yield less simple than it first appears💸 Why "normal" share market returns can suddenly look disappointing after a decade of extraordinary US tech performance💸 A question from an 18-year-old worried about an approaching market crash — and Dave's argument that a bad market early in your investing journey can actually help long-term accumulators💸 Why nobody knows when the next crash is coming, and why spending years waiting for one can sometimes hurt more than the crash itself💸 Hayden's way of thinking about US market risk: look past the headlines and consider what the biggest companies actually own, earn and do💸 Why starting slowly can make sense if you're nervous, rather than waiting on the sidelines for the "perfect" entry point💸 A listener planning to invest $1,000 a fortnight for 40 years, with 70% in a US index and 30% in a concentrated mega-cap tech ETF💸 The concentration problem hiding inside that portfolio: many of those same giant tech companies already make up a large part of the broader US index💸 Why doubling down on a theme can work brilliantly — but also leaves you more exposed if that part of the market goes through a long stretch of poor returns💸 The trade-off at the heart of diversification: you might miss some spectacular winners, but you also reduce the chance of landing near the worst possible outcomeThe thread through all of it: nobody knows which market, sector or strategy will lead over the next decade. Recent winners can keep winning, or the whole picture can change. Diversification won't make your portfolio the most exciting one in the room, but it can make long-term investing much easier to stick with.Questions, disagreements or your own scenario: hello@aussiefirepod.com or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer: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.
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    42 分
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