Aussie FIRE | Financial Independence Retire Early

Got a property and wondering if it's time to sell, rent it out, or just… hold on? In this episode, Dave and Hayden tackle two listener questions that a lot of people are quietly sitting with. First up is a listener who bought their first home two years ago is now craving more flexibility to make some big career moves, and wants to know whether to sell or become an accidental landlord.

Then, they dig into the age-old question of house flipping and whether or not it still stacks up in today's market? They'll walk through the numbers you need to crunch and the situations where it might actually make sense.

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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.

What happens if the market crashes as soon as you hit FIRE? In this episode, Hayden and Dave get into one of the most practical and underrated challenges of early retirement: actually living off your portfolio when things get rocky.

They cover:
👉 The stage of retirement where you're most at risk from market volatility
👉 The psychological shift from receiving a paycheck to relying on a portfolio, and why it's harder than it sounds
👉 Why having a backup plan before you need one changes everything
👉 Cash buffers, flexible income and expense levers you can pull without selling assets at the wrong time
👉 How debt, home equity and diversification fit into a drawdown strategy

It's pearler's 5th birthday! Get 5 free trades here 🥳

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

What happens when a government equity scheme starts to feel like a trap? In this episode, Hayden and Dave sit down with listener Steve to unpack his property situation and map out a path forward.

Steve is a self-employed sports coach earning around $120,000–$130,000 a year, with a partner on $100,000. He owns an apartment worth roughly $570,000, holds a $200,000 ETF portfolio, and used the Victorian Homebuyer Fund to get into the market with a 25% government equity stake still sitting on his property.

In this episode they cover:
👉 How the Victorian Homebuyer Fund works and why Steve is feeling stuck
👉 Whether refinancing could free him from the government equity stake without selling his ETFs
👉 The case for rent-vesting as a flexible alternative to upsizing
👉 How to weigh lifestyle preferences against pure FIRE optimisation
👉 Why financial flexibility can matter more than squeezing every dollar out of a strategy

It's pearler's 5th birthday! Get 5 free trades here 🥳

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

In this week's episode of Aussie FIRE, Hayden and Dave are unpacking some listener questions around:

👉🏼 Selling shares to invest in solar panels at home
👉🏼 The 5% deposit scheme for first home buyers
👉🏼 Vanguard ETFs
👉🏼 And investing for high growth with a 5-8 year timeline

As always, they'll unpack it, share their thoughts, and come at it from a few different angles. Hope you enjoy it!

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

What would you do if $1 million landed in your bank account tomorrow? In this episode, Hayden and Dave get hypothetical and things get interesting fast. From taking on a gelato giant to debating whether a swimming pool counts as a financial decision, this one's a little different. But buried in the fun are some genuinely useful ideas about how people at different stages of their FIRE journey think about sudden wealth.

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