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Aussie FIRE | Financial Independence Retire Early

Aussie FIRE | Financial Independence Retire Early

By: Hayden Smith & Dave Gow
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About this listen

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.

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Economics Personal Finance
Episodes
  • 59. FIRE Later, or Mini-Retirement Now?
    Jan 30 2026

    Is taking a year off work a bold life move or a setback on the road to financial independence? In this episode, Hayden and Dave dig into mini-retirements and gap years, sparked by a listener question about whether stepping away from work is really worth it.


    They break down the upside, the risks, and the real trade-offs of pressing pause on work while pursuing FIRE.


    In this episode they cover:

    👉 What a mini-retirement actually is

    👉 The benefits of a proper break from work

    👉 Why going back to work can be harder than expected

    👉 The financial cost of time off

    👉 When gap years make sense and when they don’t

    👉 The risks of poor structure and lost momentum

    👉 When a mini-retirement might be worth it for them


    Ask a Question


    FI Case Study Request Form


    Pearler

    Strong Money Australia

    Original Aussie FIRE e-book

    Strong Money Australia’s audiobook


    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


    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

    Hosted on Acast. See acast.com/privacy for more information.

    Show More Show Less
    52 mins
  • 58. Is your super working hard enough for you?
    Jan 23 2026

    Is your super quietly doing its thing in the background? That might be fine, but there are a few details worth paying attention to. In today’s episode, Hayden and Dave discuss all things superannuation and walk through the decisions and investing strategies behind their own portfolios.


    In this episode they cover:


    👉 How their super strategies evolved from default options to more intentional investing

    👉 When and why they moved toward high-growth and indexed portfolios

    👉 The role of international diversification inside super

    👉 Tax considerations that influenced their investment decisions

    👉 Hands-on vs hands-off super strategies

    👉 Their current super portfolios, including the increasing use of geared ETFs

    👉 They also touch on Pearler Super


    Dave has also written a new book called 'You've Got Money.. Now What?' 📚


    Sign up to Pearler in January and get one free trade per month for 12 months!


    Ask a Question


    FI Case Study Request Form


    Pearler

    Strong Money Australia

    Original Aussie FIRE e-book

    Strong Money Australia’s audiobook


    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


    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

    Hosted on Acast. See acast.com/privacy for more information.

    Show More Show Less
    1 hr and 12 mins
  • 57. FI case study: Renee might be closer to financial independence than she thinks
    Jan 16 2026

    Hayden and Dave are taking Aussie FIRE case studies up a notch by inviting a listener onto the podcast to walk through her real-life numbers and decisions.


    They’re joined by Renee, an Aussie Fire listener who shares her full financial picture and asks the big question: what should we focus on next?


    In this episode they cover:


    👉 Renee’s financial position, including income, super, ETFs, and property

    👉 Whether to prioritise ETFs, another investment property, or staying the course

    👉 How close Renee already is to financial independence

    👉 Semi-retirement, and buying back family time

    👉 The trade-offs between property debt and lifestyle flexibility

    👉 Why compounding (not contributions) is doing most of the work now


    Sign up to Pearler in January and get one free trade per month for 12 months!


    Ask a Question


    FI Case Study Request Form


    Pearler

    Strong Money Australia

    Original Aussie FIRE e-book

    Strong Money Australia’s audiobook


    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


    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

    Hosted on Acast. See acast.com/privacy for more information.

    Show More Show Less
    41 mins
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