In this episode, we do a thought experiment.  What if we woke up as 18 year old's and had to start our wealth-building journeys all over again? What first steps would we take?  What would we do differently?  Discussion points... Intro chat  (01:10)Would we study or start work immediately?  (05:32)Would we try to earn extra income?  (13:36)Buying vs renting for us starting now  (18:50)Our expected living expenses, savings rate and timeframe to FI  (26:02)Would we be more frugal than we are now?  (36:24)Semi-retirement or full FI?  (41:12)How would we invest?  (45:48)Would we put extra into super?  (52:32)What if we started at age 40 instead?  (55:20)What if we were single?  (1:05:46)Overall, would it be easier or harder?  (1:09:37) Resources and stuff mentioned... How we track our investments:  SharesightLow cost share investing platform:  PearlerHistory of interest rates in AustraliaEarly Retirement CalculatorDHHF & VDHG: Is One Fund All You Need?Why Financial Independence is Getting EasierThe Future of Financial Independence More from us... Pat's blog:  Life Long ShuffleDave's blog:  Strong Money AustraliaContact us with questions and feedback:  [email protected]