When your landlord puts the property up for sale, the rent vs. buy question stops being theoretical. For Shyann and her husband, that moment became the push they needed to make a decision they'd been circling for a while.

In this case study episode, Shyann walks through how she and her husband approached one of the biggest financial decisions a FIRE-chasing couple can make, and what it actually looked like once they got the keys.

They cover:

👉 Why security and long-term control tipped the scales toward buying over rentvesting

👉 How they funded the purchase on a strong combined income while keeping their investment strategy intact

👉 The trade-offs in choosing a home that fit the life they were planning, not just the budget they had

👉 Managing mortgage anxiety when one income might shrink after starting a family

👉 What actually happens when you move into a renovated home and the plumbing has other ideas

Is buying always the right move for someone on the path to FIRE? And how do you keep building toward financial independence when a mortgage is suddenly in the mix?

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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.

Today Hayden & Dave are unpacking an email they received from a listener. He's 29, originally from the UK, drives trucks for a living and keeps moving on after a year or two because the passion just isn't there. He loves to travel, wants to build wealth, but struggles to commit to investing when the next adventure feels a lot more appealing to him. He also lost his brother 13 years ago, which has really changed his outlook on things.

They cover:

👉 Why losing a loved one can make the "now vs. later" question so much harder to answer

👉 The problem with expecting your job to be a source of passion (and what to expect instead)

👉 A simple mental framework for deciding whether spending & living today is actually worth it

👉 How to stop thinking about life choices as all-or-nothing trade-offs

👉 Whether the rise of AI is a reason to bunker down financially, or something else entirely

If you've ever felt the pull between building for the future and not wanting to miss the present, this one's worth a listen.

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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.

In this episode, Hayden and Dave dig into one of the most overlooked parts of the FI journey: what to do with your investments as you get closer to pulling the trigger. Does your strategy need to change? And if so, when and how?

They cover:

👉 Whether you actually need to de-risk your portfolio before retiring, or whether it's just a psychological thing

👉 The difference between accumulation and drawdown, and why the same portfolio can feel very different depending on which phase you're in

👉 Cash buffers, offset accounts and other ways to protect yourself from selling at the wrong time

👉 How paying off debt fits into a pre-retirement strategy and what it does for your cash flow certainty

👉 Growth ETFs vs. income ETFs: does the distinction actually matter when you're drawing down?

👉 What Dave is doing with his own portfolio

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

Follow us on Instagram

Watch on Youtube

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.