『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
無料で聴く

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
エピソード
  • 86. The $500k Tax Mistake Aussie Expats Don't See Coming w/ Brett Evans

    86. The $500k Tax Mistake Aussie Expats Don't See Coming w/ Brett Evans
    2026/08/07
    Last episode Dave and Hayden covered the general idea of geographic arbitrage: take your Aussie wealth, live somewhere cheaper, retire sooner. This episode is the technical follow-up, and it's a sobering one. Brett Evans from Atlas Wealth has spent nearly three decades advising Australian expats across 65 countries, and he joins the boys to walk through everything that changes the moment you step on that plane. Fair warning: Hayden reckons it's the most information-dense episode they've published.In this episode we'll discuss:💸 The main residence trap: why selling the family home while you're a non-resident can mean capital gains tax all the way back to the purchase date, and the six and seven figure bills Brett has seen because of it💸 Deemed disposal on shares, ETFs and crypto: the one-time election at departure that stops you accruing CGT overseas, why plenty of accountants don't know about it, and the client sitting on a seven-figure bill who found out too late💸 How Australian tax residency actually works: the resides test, the domicile test, the 183-day test, and why "resident of nowhere" defaults you straight back to being an Australian tax resident💸 The proposed new residency rules: a hard 183-day line, a 45-day count, and a four-factor test where holding an Aussie passport already counts as one strike against you💸 What non-residents lose: no tax-free threshold, 30% from the first dollar of rental income, no 50% CGT discount since 2012, and why positive cash flow property becomes a problem💸 Withholding tax on dividends at 15% or 30% depending on where you land, and how franking credits can offset it💸 Why SMSFs are brutal for expats, including a case study where a client ignored the advice, got audited, and lost 45% of his balance💸 The brokerage headache nobody warns you about: platforms freezing accounts, CHESS holdings converted to issuer-sponsored, and share registry mail going to a country with no postal delivery💸 Getting your money home: the deemed acquisition rules, why to start planning 12 months out, and the $10,000 transfer myth that makes you look like a money launderer💸 Why Brett tells clients to stop asking ChatGPT, and why good advice for expats is simple and flexible rather than clever and structuredAround 70 to 80% of expats eventually come home, so the decisions you make before you leave matter more than most people realise. Nothing here is personal advice, and Brett's own point is that if your situation is simple you probably don't need someone like him. But if you're carrying property, a share portfolio, an SMSF or a trust, this is an hour and a bit well spent before you book the flight.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimerAny 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.
    続きを読む 一部表示
    1 時間 19 分
  • 85. Can You Really Afford to Leave Australia?

    85. Can You Really Afford to Leave Australia?
    2026/07/31
    After the recent tax proposals, plenty of people were half joking about packing up and taking their money overseas. Enough of them were half serious that Dave and Hayden decided to make an episode out of it. This one is the broad overview of geoarbitrage (or "geo-FIRE"): why people do it, who it actually suits, where they tend to go, and what it does to your FI number. The technical side, tax residency, visas, and how to structure it properly, is coming in the next episode with a guest who does this for a living.In this episode we'll discuss:💸 The $800 a month apartment in Chiang Mai, modern build, lagoon pool, walking distance to shops, that would cost roughly $800 a week in Australia (one of Dave's readers is testing it right now)💸 Purchasing power vs exchange rates: why "the exchange rate is great over there" means nothing, and what the Big Mac index actually tells you💸 The real numbers: singles living well on $15k to $25k a year in Southeast Asia, a recently retired couple budgeting $100 a day, and what that does when you multiply it by 25💸 What a decade off looks like: a 15 year FI journey turning into 7, or half a million to a million dollars less in the portfolio you need💸 The bit nobody budgets for: consumer guarantees, the ombudsman, banks that have to make it right, police body cams (Hayden on why it all feels academic until the day it isn't)💸 Never quite being a local: the guy born in Japan, fluent, schooled there, who says he is "from Japan" but not Japanese, and why two white kids from regional Australia have never had to think about belonging💸 Selling the Sydney house: a million in cash, invested, could fund a very good life overseas forever, so why do the alarm bells go off, and is the fear of not being able to buy back in a reasonable one?💸 What actually moves the needle: housing, childcare and schooling, not $4 Grab rides and $6 chicken skewers (a fun novelty, not a financial plan)💸 Why you have to live somewhere, not holiday there: three months of grocery runs, bank accounts and boring admin beats a year of nice trips, plus visiting in the bad season before you commit💸 Your portfolio probably needs to change: if you won't be spending Aussie dollars, a big home bias stops making sense💸 Geoarbitrage as a backup plan rather than a goal: why the people it works best for are somewhere in the middle, not the ones who can already comfortably buy a house hereWe're not pro or anti this idea. If you come away googling what life is actually like somewhere you'd never considered, that's a win.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimerAny 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.
    続きを読む 一部表示
    57 分
  • 84. The ETF Tax Trap Costing Aussie Investors Thousands (ft. Navexa Founder)

    84. The ETF Tax Trap Costing Aussie Investors Thousands (ft. Navexa Founder)
    2026/07/24
    To kick off our FY27 tax-time series, Dave and Hayden are joined by Navarre Trousselot, founder of Navexa — an investment tracking and tax reporting platform (if you've heard of Sharesight, it plays in the same space). Because here's the thing: most of us agonise over what to buy, then put zero thought into how we sell — and selling is the part where you actually get your money back. As Navarre puts it, too many investors are "selling in the dark" and handing the ATO far more than they need to.In this episode we'll discuss:💸 How the exact same sale can be a $30 loss or a $20 gain: why choosing which parcels you sell (not just what you sell) can save you thousands in capital gains tax💸 The ETF tax trap most investors have never heard of: AMIT cost base adjustments, and why ten years of dollar cost averaging leaves you 120 parcels to adjust every single year (get it wrong and you've either overpaid tax or filed incorrectly — hello, audit risk)💸 FIFO, LIFO, minimise gain, maximise gain and minimise CGT explained — including why everyone's a FIFO milk drinker, but nobody's a LIFO milk drinker💸 When realising a bigger gain is the smart move: using a maximise gain strategy in a low-income year (career break, slow year for the business) to land in a lower tax bracket💸 The NAB shares Navarre almost sold as a dud — until he added up the dividends and realised he'd made roughly 40% (why annualised total return beats staring at the share price)💸 Why ChatGPT can't do your capital gains tax: LLMs still only score around 70% on maths benchmarks, and "ChatGPT said so" won't cut it with the ATO💸 Record-keeping 101 for new investors: keep every contract note and AMMA statement, don't assume your old broker sends your trade history to your new one, and remember foreign dividends (Apple, Tesla and friends) don't prefill with the ATONavexa is offering Aussie FIRE listeners 20% off their first year, plus a two-week free trial — head to navexa.com/aussiefire to check it out.Happy EOFY from pearler! Sign up in July using the code AUSSIEFIRE for 12 months worth of free trades 💸And for existing customers, sign up to a new pearler product and you'll get 12 months worth of free trades too! 💸Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimerAny 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.
    続きを読む 一部表示
    57 分
adbl_web_anon_alc_button_suppression_t1
まだレビューはありません