In this episode, we look at strategies for dealing with debt and mortgages when you goal is financial independence.  Should we focus on investing, or should we aim to be debt-free?  Which will help us become financially independent faster?  We discuss the ins and outs, and our thoughts on the various options to help you decide. Discussion points... The worst form of debt  (02:31)Our thoughts on credit cards  (06:05)HECS/HELP debt  (08:51)Mortgage debt and calculating the benefit ...

It's question time again!  We open up the mailbag and answer some of the best listener questions we've received in the last few weeks.Discussion points...Which home loan option Pat decided to go with  (02:01)Getting past the fear of never having enough...

In this episode we explore the idea of semi-retirement, or semi-FI.  This can give you a lot of the benefits of FIRE in a shorter amount of time.We think semi-retirement is a hugely underappreciated approach.  Here, we discuss the benefits and the...

A special episode today, as we discuss Pat's recent move to buy a house.  I grill Pat for all the details and we chat about how this affects Pat's financial independence plans.Discussion points...A quick run-down of what's happening  (01:55)Why Pat...

In this episode, we discuss why we need to tune out the financial noise in our lives.  We explain how it creates FOMO and distracts us from our current plans.  Most importantly, we share practical advice for staying focused on your Financial...

Today we're going to share how to nail down the big categories of spending, to ramp up your savings rate and reach FI much faster!  These are ideas we've implemented in our own lives so we wanted to pass them on to our listeners :)Discussion...

You know our thoughts on the main asset classes - shares and property.   So, on this week's show we discuss the following investment options...Bitcoin and crypto.  Gold and commodities.  Fractional property investing.  Peer-to-peer lending.  Real estate...

Welcome to our first Q&A episode, where we answer a bunch of questions sent in by listeners.We've got a great diverse set of topics to discuss to kick things off.  As always, you can send us a question -  [email protected] - and we'll...

In our first episode of 2021, we discuss the mindset and thought process inside the FIRE movement.  Our philosophy, values, and beliefs are often very different from the rest of society.  So we're opening up this can of worms and sharing our personal...

In this episode, we break down exactly how much you need to retire early.  We explore the famous 4% rule, where it came from, and whether it's still a reliable rule of thumb.We also explain how to live off your assets in practice, other considerations...

In today's episode, we discuss how to approach asset allocation in Australia for those who want to retire early.How much do we invest in Australia vs international assets?  What about other things like home ownership, investment property, cash, bonds,...

In this episode, we share the areas of our lives where we've spent MORE money than we otherwise could have.  These things are some of our favourite purchases (past and current) that have really brought value to our lives.Remember, pursuing financial...

How do you approach super when your goal is Financial Independence?  Do you include it in your plans?   How should we invest it?   We cover this and more in today's episode!Discussion points:What exactly is superannuation and where did it come from? ...

In today's episode, we're talking about the relationship between time and money.  Understanding the many ways in which these two things are related is key for building a strong financial future. Discussion points:Figuring out how much things really...

This week we're exploring the topic of index funds.  They get recommended a lot in the Financial Independence community as one of the best ways to invest for FI.  But why?  What's so special about index funds?  That's what we unpack today...Discussion...

In this episode, we discuss why you should pay close attention to the fees you're paying in your financial life.  Mastering this area will save you tens of thousands of dollars and boost your progress to financial independence.Discussion points from the...

In this show, we chat about the misconceptions we see people making about the FIRE movement.  Both newbies starting out and outsiders unfamiliar with the concept seem to miss some important key points.  We'll clear those up today, so we can all move...

In this episode we jump into the always fascinating topic of recessions and market downturns.  How should we deal with these disruptions on our FIRE journey?  What should we do with our investments?(note: some details regarding the coronavirus have...

In this episode, we dive deep into how spending, happiness and FIRE are all inter-related (and not in the way you might think).  When we understand the connection between these three things, lifestyle changes are easier, saving becomes effortless, and...

In this episode, we discuss the ins and outs of emergency funds and other short-term savings goals like house deposits etc.  How much you need, where to keep it, balancing risk vs reward and more! During the show, we cover:What is an emergency fund and...

In this podcast, we take a deep dive into the two major asset classes that people turn to for long term returns: property and shares.These investments are best suited to deliver the income and growth we need to sustain our Financial Independence.During...

In this episode, we talk discuss how inflation affects our retirement, the overarching purpose behind building a portfolio of assets, and the most sensible investment strategies to fund 50+ years of financial independence!During the show, we...

In this episode, we cover why your savings rate is more important than any other factor when it comes to retiring early.  If there's one thing to focus on, this is it!During the show, we discuss:How spending less affects your FIRE number (2:45)Emergency...

Today we're talking about the elephant in the room - Aussie housing!Specifically, how do we deal with our biggest lifestyle cost without ruining our plans for Financial Independence?In the show, we discuss:Renting versus buyingThe huge freedom and...

In this episode, we share the financial lessons that have been game-changers and helped us on the road to Financial Independence and building better lives.More specifically, we discuss:The wealth illusion, debt and 'misleading millionaires'What really...