最佳Financial Independence Retire Early播客 (2024)

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10. Are shares the best path to FIRE? 49:52

7d ago49:52

49:52

Within the Australian Financial Independence community, shares have always been a popular asset. With a bit of research, it’s easy to understand why – they’re easy to manage, they don’t require debt, and most people can get started with minimal funds. This raises the question: is investing in shares the best way to reach FIRE? In this episode, Dave…

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9. When does frugality go too far? 55:43

21d ago55:43

55:43

For most people on a FIRE journey, frugality is a potent tool in their toolkit. Yes, investing plays a role – but frugality serves a range of key purposes beyond saving. For starters, it can help you unlock money you didn’t even know you were spending. And, perhaps more importantly, it can train you to better manage your finances both pre- and post…

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8. How important is housing to FIRE? 1:10:11

1M ago1:10:11

1:10:11

You MIGHT have noticed this, but people in Australia looooooove to talk about property. It’s a surefire conversation-starter if ever you’re struggling to make smalltalk, and the media won’t shut up about it. You’d be forgiven, then, for assuming that home ownership is a lynchpin of any half-decent FIRE strategy. In truth, though, it’s not the only …

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7. Has FIRE changed since Covid? 41:29

2M ago41:29

41:29

You don’t need us to tell you that Covid disrupted a LOT. From the lockdowns, to the obvious health-related dangers, there weren’t many people who were unaffected by its spread. But what has it done for our Financial Independence prospects? For people working towards FIRE before 2020, in what ways did it disrupt their plans? And for those who start…

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6. Passing on the lessons we’ve learned 1:02:54

2M ago1:02:54

1:02:54

Knowledge is a lot like compound interest: the more you accrue, the faster it grows. How, then, can we ensure that others around us, and future generations, are growing their knowledge the right way? And, more importantly, how can we help them to avoid the mistakes we’ve made? In this session, Dave (Strong Money Australia) and Hayden (co-founder of…

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5. Choosing work for income vs enjoyment 42:52

3M ago42:52

42:52

One of the greatest joys of FIRE are these two hyphenated words: “work-optional”. The freedom to choose whether to work, and what to work on, is a key motivator for many FIRE-seekers. In the meantime, though, there’s little that’s work-optional about the journey towards FIRE. For anyone who aims to reach Financial Independence, paid employment is a…

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4. Balancing future goals with current desires 48:02

3M ago48:02

48:02

“I’m saving for a home deposit right now, but my friends just invited me to a bottomless brunch. I know that every dollar counts, but I don’t want to miss a morning with my friends. What should I do?” For many everyday Aussies, tradeoffs like this are not uncommon. But for anyone on a journey towards FIRE, they’re a regular part of life. While it m…

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3. How different mindsets affect your money habits 57:19

3M ago57:19

57:19

In the realm of money psychology, different mindsets can affect the way we spend, save, and invest. Two of the most relevant mindsets for FIRE are scarcity and abundance. To strip them down to their scaffolding: a scarcity mindset can help you save, but make you worry. An abundance mindset leads you to look at the biggest expenses, and not worry so…

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2. How to deal with financial surprises and setbacks 39:38

4M ago39:38

39:38

The road to FIRE is seldom a straight line. Between job losses, home repairs, medical issues, and other unwelcome surprises, our best laid FIRE plans can easily come derailed. Fortunately, as with most aspects of FIRE, it’s possible to prepare for financial hardship. In doing so, you can mitigate its impact on your FIRE progress. In this session, D…

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1. Questions on money, freedom, and a FIRE’d lifestyle 44:08

4M ago44:08

44:08

The quest for FIRE (Financial Independence, Retire Early) requires planning, discipline, and structured money management. It’s no surprise, then, that most FIRE-craving people focus on these topics (or aspects of them). Even so, a sound FIRE strategy doesn’t begin and end with saving, budgeting and investing. Our goals once FIRE’d, and our sense of…

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0. Welcome to the Aussie FIRE podcast 29:49

5M ago29:49

29:49

Welcome to Aussie FIRE, the podcast designed to educate and inspire you towards a better future! This podcast evolved from an audiobook of the same name, and explores the path to FIRE – Financial Independence, Retire Early. If you want to level up your FIRE game without being overwhelmed by jargon, this is the show for you. In our introductory epis…

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The Aussie FIRE Audiobook | Conclusion 8:28

6M ago8:28

8:28

Congratulations! You've made it to the final chapter of our original Aussie FIRE audiobook. In each chapter, we've covered a different step in the journey towards Financial Independence. Now that we've reached the end of the book, we wanted to reflect on everything we've covered. That way, you can extract the key points from Aussie FIRE in one easy…

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Chapter 24: Wealth beyond money 19:46

6M ago19:46

19:46

From budgeting to ETFs, this audiobook has covered a range of routes to reach FIRE. However, beyond earning, saving, and investing, there are non-monetary tools that can propel you closer to your goal. And in this chapter, we're going to explore what they are, and how they can help you. Join Michelle from Frugality & Freedom as she details the non-…

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Chapter 23: Build financial resilience 19:03

6M ago19:03

19:03

For many, reaching FIRE (Financial Independence Retire Early) is a best case scenario. However, it's even more important to prepare for WORST case scenarios. Investments can crash, interest rates can change, disaster can strike – and without a capacity to adapt, your FIRE could be extinguished. Luckily, that's what this chapter is all about. Join S…

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Chapter 22: Life Once FIRE’d 13:45

6M ago13:45

13:45

In the last chapter, we covered how to choose your FIREstyle. By "FIREstyle", we mean the type of life you'd like to live once you've retired early. This time, we're forging further into our FIRE futures to assess what life will look like on a day-to-day basis. In this chapter, Dave Gow from Strong Money Australia gives you a glimpse into your life…

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Chapter 21: Find your FIREstyle 17:33

7M ago17:33

17:33

Much of this audiobook has focused on the path to FIRE (Financial Independence, Retire Early). So far, though, there's a crucial question we haven't asked: "What will you do once you reach it?" To many listeners, this might seem like a textbook definition of a champagne problem. But by asking yourself this question now, you'll arm yourself with a p…

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Chapter 20: Property investing meets FIRE 23:58

7M ago23:58

23:58

There's an old joke that's been kicking around for the past decade or so: "If you're struggling to make conversation with an adult Aussie, ask them for their thoughts on the housing market." Real estate can be a fraught topic in Australia - not least of all because it's so expensive. In fact, there's been a growing assumption that the only people w…

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Chapter 19: Fuel for the FIRE - Leverage 20:45

7M ago20:45

20:45

First 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 …

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Chapter 18: International investing for Aussies 17:20

7M ago17:20

17:20

We Aussies love to travel abroad. More than half of us have passports, which makes us one of the world's more globe-trotting nations. If you're investing, though, you shouldn't confine that global outlook to the airport. Your portfolio could also benefit from some international love. In this chapter, Ms. FieryIce from Two to FIRE delves into the be…

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Chapter 17: Superannuation and FIRE 19:20

7M ago19:20

19:20

Often, 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 bulw…

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Chapter 16: Optimise your portfolio 23:32

8M ago23:32

23:32

At 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 c…

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Chapter 15: FIRE for late starters 25:22

8M ago25:22

25:22

Have 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 thin…

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Chapter 14: FIRE with a family 24:28

8M ago24:28

24:28

If 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 …

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Chapter 13: Learn to play the long game 15:14

8M ago15:14

15:14

The Financial Independence Retire Early movement benefits from a long-term mindset. For many investors, this equates to concepts like time in the market, dollar-cost averaging, and militant budgeting. And, yes, there's a time and place for all three of these strategies. However, by only focusing on the numbers, we skip a crucial truth: we're only h…

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Chapter 12b: Diversifying with other assets 30:21

9M ago30:21

30:21

In 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 weal…

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Chapter 12a: Why FI loves shares 17:41

9M ago17:41

17:41

There 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,…

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Chapter 11: Why you should invest ASAP 24:39

9M ago24:39

24:39

Within the long-term investing community, the phrase "time in the market beats timing the market" is something of a motto. In this chapter, you'll find out why. Join Kate Campbell from Rask as she explores the benefits of getting started early with investing. These include the magic of compound interest, the power of making mistakes (sooner rather …

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Chapter 10: Prepare for emergencies 28:04

9M ago28:04

28:04

Sometimes, despite our best efforts, life can get in the way of our FIRE plans. Unwelcome surprises can place demands on our finances, and if we aren't prepared, our investments can take a hit. That's why, in any Financial Independence journey, it pays to be ready for emergencies. In this chapter, Latestarterfire helps you determine the amount you'…

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Chapter 9: Get the most BFYB 27:10

10M ago27:10

27:10

"Work smart, not hard" is a philosophy that's applicable to countless areas of life. Perhaps nowhere is this truer than in the quest for FIRE. Don't believe us? Ask Aussie Firebug - a man so FIRE-y he has "fire" in his name. And you'd better believe he brings the FIRE to this chapter...because he does. In this next instalment of Aussie FIRE, the ma…

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Chapter 8: Beyond the easy wins 18:33

10M ago18:33

18:33

In the last chapter, we covered the easy wins to be found on the journey towards FIRE. However, to really progress towards our goals, we need to assess our spending behaviour, budgeting habits, and relationship with money. The good news is: it's not as painful as it sounds. In this chapter, Kara from The Flawed Consumer explores how you can make me…

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Chapter 7: Bag the easy wins 16:01

10M ago16:01

16:01

There's no hack, secret formula, or "one weird trick" that can propel any of us to financial freedom. Even so, many well-meaning resources out there have a habit of overcomplicating FIRE. While achieving FIRE does require structure and discipline, there are also easy wins to be had along the way. That's why Miss Balance from All About Balance has s…

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Chapter 6: Focus on savings before earnings 15:39

10M ago15:39

15:39

There are an array of factors that contribute to a solid FIRE strategy. Arguably, though, none are more important than saving. Sure, increasing your salary can give you more money to work with. However, if you don't form savings habits, your earnings may not bring you closer to your FIRE goal. In this chapter, Aussie Firebug explores some of the mo…

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Chapter 5: Get perspective - A tale of two spenders 16:56

10M ago16:56

16:56

What happens when you spend an extra $27.50 a day? You lose $10,000 a year in savings. That's what Mrs Hack from Sustainable Living has set out to explore in this chapter. Join us as we follow the lives of two people - one who spends, and one who saves. On the surface, their circumstances and daily routines don't look all that different. But thanks…

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Chapter 4: Dealing with debt emergencies 16:12

11M ago16:12

16:12

When left unchecked, debt can pose a real problem to Financial Independence. Poor credit scores, insecurity, and even debt collectors can become a reality before you know it. Even so, debt emergencies don't need to spell the end of your FIRE dreams. With a structured approach and some budgeting know-how, you can extinguish your debt fire and focus …

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Chapter 3: The Debt Dilemma. Pay it off or invest? 18:55

11M ago18:55

18:55

In a perfect world, you’d have enough money to pay off your debt and invest at the same time. However, the world is rarely perfect - especially where our finances are concerned. Sometimes, we need to make tough decisions about what to prioritise in our personal budgets. In this chapter, Ms FireMum from A Family on FIRE breaks down the different typ…

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Chapter 2: Debt. The Good, The Bad and The Tolerable 20:33

11M ago20:33

20:33

If left unchecked, debt can pose one of the greatest obstacles to Financial Independence. However, not all debt is created equal. Some debt will erode your finances, whilst others can (when used correctly) be a tool in your quest towards FIRE. In this chapter, Aussie Doc Freedom helps you distinguish between different debt types. She also details t…

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Chapter 1: Find your why and type of FI 19:26

11M ago19:26

19:26

Learning how to attain FIRE is one thing. But it's just as important to recognise why you want to reach it in the first place. Finding your "why" isn't just a powerful motivator - it will also help you choose the type of FIRE you want to reach. In this chapter, Kurt from Pearler covers why it's so important to find your "why". He also highlights th…

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An Introduction to Aussie FIRE by Kurt from Pearler 5:18

11M ago5:18

5:18

First, let's get one thing straight: FIRE (Financial Independence, Retire Early) isn't only attainable for billionaires or people with finance degrees. In fact, with the right approach, just about anyone can work towards a goal of FIRE. In this introduction, Kurt from Pearler sets the scene so that you can reap the most from this audiobook. He also…

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The Aussie FIRE Audiobook | Foreword by Dave Gow from Strong Money Australia 5:21

11M ago5:21

5:21

In case you missed it, "FIRE" stands "Financial Independence, Retire Early" - and who better to introduce the concept than Dave Gow from Strong Money Australia? Using many of the approaches you'll learn of in this audiobook, Dave was able to retire by 28. Now, he's excited to be part of a movement that can support you on your own journey towards FI…

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Retiring Early As A Couple - With Greg and Maggie 59:00

12M ago59:00

59:00

I talk to Greg and Maggie about their recent early retirement. Sponsor: Magic Mind Go to https://www.magicmind.co/inspiretofire And get up to 56% off your subscription for the next 10 days with my code INSPIRETOFIRE. Please Subscribe & Leave A Review More Resources Friends On FIRE Podcast Track Your Expenses With Personal Capital Save Money On Your…

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Trailer 0:22

12M ago0:22

0:22

Welcome to the Aussie FIRE audiobook - the ultimate guide to Financial Independence for Australians. Featuring 20 of Australia's top Financial Independence bloggers, Aussie FIRE gives you the tools you need to retire early. The Aussie FIRE audiobook is brought to you by Pearler, Australia's favourite long term investing community. Each chapter expl…

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Top Money Saving Tips for 2023 To Help You Reach FIRE! 26:10

1y ago26:10

26:10

In this episode, I discuss my top money-saving tips that can significantly impact your monthly expenses. Sponsor: Magic Mind Go to https://www.magicmind.co/inspiretofire And get up to 56% off your subscription for the next 10 days with my code INSPIRETOFIRE. Please Subscribe & Leave A Review More Resources Track Your Expenses With Personal Capital …

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The 4 Types Of Wealth & How To Achieve Them All 24:15

1y ago24:15

24:15

In this episode, I discuss the 4 types of wealth that have a huge impact on all of us and what we can do to achieve them. Sponsor: Magic Mind Go to https://www.magicmind.co/inspiretofire And get up to 56% off your subscription for the next 10 days with my code INSPIRETOFIRE. We Also Discuss SlowFI My Recent Investment In Real Estate Please Subscrib…

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Spending $600K In 2 Years & The Problem With Dave Ramsey With The Price Of Avocado Toast 55:36

1+ y ago55:36

55:36

Justin and Haley from The Price Of Avocado Toast join the show to talk about their millennial FI journey. They want to normalize conversations about money and learn from others on the path toward financial freedom. Are You Looking For An Easy Way To Budget? Use the free tools at Personal Capital. I use Personal Capital to track my expenses and my n…

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Taking Control Of Your Money & Fighting Lifestyle Inflation With Terri From The Financial Gym 1:02:50

1+ y ago1:02:50

1:02:50

Terri from the Financial Gym talks to us about how she uses tools like automation, reverse budgeting, and mindset shifts to motivate you to reach your FIRE goals. Are You Looking For An Easy Way To Budget? Use the free tools at Personal Capital. I use Personal Capital to track my expenses and my net worth for free. (Get a $20 Amazon Gift Card with …

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Why SlowFI Could Be The Key To A Happy FIRE Journey With The Fioneers 52:34

2y ago52:34

52:34

Jessica from The Fioneers joins the show to discuss SlowFI and the key to happiness on your path to financial independence. Wondering If You Are At Coast FI? Use the free tools at Personal Capital to find out! I use Personal Capital to track my expenses and my net worth for free. (Get a $20 Amazon Gift Card with this link when you add at least one …

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Building A Passive Income Machine and Cash Flow FI With Jannese Torres Rodriguez 49:08

2y ago49:08

49:08

Jannese Torres-Rodriguez (Yo Quiero Dinero) joins the show to discuss her money story, how she built a blog that now makes her over 100k a year in passive income, and cash flow FI. Wondering If You Are At Cash Flow FI? Use the free cash flow tool at Personal Capital to find out! I use Personal Capital to track my expenses and my net worth for free.…

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From Zero To Millionaire In 10 Years With Kids With Justin From Root Of Good 57:02

2y ago57:02

57:02

Justin from Root Of Good joins the show to discuss his FIRE journey and how FIRE is achievable even with kids. For a limited time, you can try Audible Premium Plus for 30 days free! (Use this link for 1 free credit that you can use toward any premium selection titles you like—yours to keep!) Using this hack you can enjoy any new book for free. We D…

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Rental Real Estate and Finding Purpose Post FI With Go Bucket Yourself 56:50

2y ago56:50

56:50

Deb and Chris from Go Bucket Yourself join the show to discuss how they reached FIRE using rental real estate and how they are finding purpose post FI. For a limited time, you can try Audible Premium Plus for 30 days free! (Use this link for 1 free credit that you can use toward any premium selection titles you like—yours to keep!) Using this hack …

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457 and The 7 Pillars Of FI With The Millionaire Educator 48:45

2y ago48:45

48:45

Gerry from the Millionaire Educator joins the show to discuss how he reached financial independence with a teacher's salary and magic money. We discuss the powerful 457b plan and the 7 pillars of FI. Reaching FI requires tracking your expenses and net worth. I use Personal Capital to do this for free! (Get a $20 Amazon Gift Card with this link when…

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