In this episode Dave and Hayden explore two real-life case studies.

First, they discuss whether a couple in their fifties truly needs 25 times their expenses to retire, unpacking how time horizon, risk and the Age Pension reshape the “magic number.”

Then, they dive into a pay down the mortgage or invest in ETFs dilemma, weighing certainty versus growth, and the benefits of debt recycling.

All round, this episode is a chat about tailoring financial independence to your stage of life, goals and mindset.

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.

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

This episode, Dave and Hayden tackle three big listener questions:

1. Should you invest a lump sum when markets are at all-time highs?
2. Is gearing inside super worth the risk?
3. Are investment bonds really as tax-friendly as they sound?

Dave and Hayden unpack the pros, cons, and myths to help you think clearer about your long-term investing strategy.

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.

Should you pour extra cash into your offset account, stash it in savings, or invest it? In this episode, Dave and Hayden break down the numbers and trade-offs that every homeowner faces.

We cover:

• Why offsets slash long-term interest but don’t help your monthly cashflow
• The cases where savings accounts can compete
• How investing stacks up against offsets, and the risks involved
• The role of interest rates and how debt recycling can tip the balance

Whether you're mortgage-stressed or just looking for smarter ways to grow wealth, this episode will help you see offsets, savings, and investing in new ways.

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.