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Artwork for Aussie FIRE

Aussie FIRE | Financial Independence Retire Early

Hayden Smith & Dave Gow
Financial Independence
Investing
Etfs
Investment Strategies
Personal Finance
Debt Recycling
Superannuation
Retirement Planning
Investment Properties
Real Estate
Passive Income
Property Investment
Shares
Home Loans
Investments
Australia
Mindset
Mortgage
Credit Card Hacking
Interest Rates

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 ... more

PublishesWeeklyEpisodes102Founded3 years ago
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Artwork for Aussie FIRE

Latest Episodes

Chris is it a crossroads and unsure which way to go. He's spent time in his career working in real estate, and now he's trying to decide whether to buy a family home, double down on investment properties, or pivoting entirely into a more aggressive s... more

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 yea... more

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:

👉 ... more

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 ... more

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Recent Guests

Natasha Etschmann
Content creator and investor known as Tash Invest
Tash Invest
Episode: 64. The mindset that made Tash start investing at just 18

Hosts

Dave Gow
Co-host with Strong Money Australia affiliation; long-running advocate for financial independence and pragmatic money strategies.
Hayden Pearler
Co-host representing Pearler; focuses on financial independence, investing education, and Australian FIRE perspectives.

Reviews

4.8 out of 5 stars from 323 ratings
  • Great FIRE Podcast

    One of the best podcast I’ve ever listened to. Very detailed and provide amazing ideas to reach financial independence.

    Thank you guys

    Apple Podcasts
    5
    Mo mo larsson
    Australia2 months ago
  • Great Aussie finance and investing pod

    What the title says! Love this podcast, breaks down so many different topics in easily understandable ways. I’ve learned so much.

    Apple Podcasts
    5
    mtil
    Australia4 months ago
  • Great information

    Great podcast, easy to understand and presented in a way that’s relatable for everyone at some part of their investing journey.

    Apple Podcasts
    5
    Donny diver22
    Australia4 months ago
  • Love the Podcast - my go-to!

    The best podcast about money - great easy listening. Good helpful advice with easy to understand language. Love the banter. Great podcast voices. Both Dave and Hayden are very knowledgeable about similar and different topics .

    Apple Podcasts
    5
    56
    Australia5 months ago
  • Great podcast

    I’ve always enjoyed listening to Dave - anyone who has achieved what he has, at his age, is worth paying attention to. Was sad when his previous podcast stopped so this was a welcome addition to the library. Hayden’s depth of knowledge across multiple topics, delivered clearly and sensibly, makes for a top weekly drop. I especially like the format - feels like you’re listening in to a couple of mates working through financial scenarios realtime.

    Apple Podcasts
    5
    Lofty Big Chopper
    Australia5 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Relatable hosts who balance theory with real-life scenarios.
Consistent, actionable tips across episodes; good guest variety.
Clear, practical Australian FIRE guidance with accessible explanations.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

72. Case Study: Doubling down on investment properties vs. shares
Q: What is your current saving and asset picture, and what are you weighing between buying a home, an investment property, or continuing to invest in shares?
Chris and his wife have an investment property, about $80k in an ETF-like portfolio, two supers around $50k each, and saving around 50% of income with total household income around $170k+. They're deciding whether to buy a home for themselves, acquire an investment property, or keep investing in shares, with a strong consideration of cash flow, stamp duty, and long-term retirement goals.
69. FI case study: Are first home buyer schemes worth it?
Q: What are the main options Steve is weighing for the VHF loan and his ETF portfolio?
Refinance to an 80% loan with another bank to avoid depleting ETF investments, or continue as-is with the government equity intact and use ETFs and cash for future plans, potentially renting a larger home later or rent-vesting.
66. Q&A: Ethical ETFs
Q: Should I invest in the US because it's more ESG heavy, and how should I think about ETFs like DZZF?
The hosts explain that ESG investing is a personal choice with trade-offs, noting that DZZF is a diversified ESG option but may underperform at times due to its screening and exclusion effects; they recommend aligning criteria with personal values and considering long-term costs and diversification.
61. Q&A: Debt recycling
Q: Can you debt recycle and still dollar-cost average with a debt recycled loan?
Yes, you can dollar-cost-average by redrawing and investing in regular intervals; however, the deductibility is tied to the portion actually invested, and there are tax considerations if the money isn't generating accessible income.
61. Q&A: Debt recycling
Q: What is the trade-off between waiting to meet the debt recycling threshold and investing now?
The hosts discuss opportunity cost versus tax deductibility, emphasizing that the long-term benefits of debt recycling often outweigh short-term missed market gains, and that strategic timing should consider personal circumstances, tax rules, and investment horizon.

Audience Metrics

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Frequently Asked Questions About Aussie FIRE

What is Aussie FIRE about and what kind of topics does it cover?

Australian-focused deep dives into personal finance, investing, and Financial Independence with a practical, no-nonsense approach. Episodes cover real-world trade-offs around property, ETFs, superannuation, and retirement timelines, often featuring listener case studies and calls for flexible planning. Notable strengths include a strong emphasis on actionable strategies for achieving financial independence in Australia, clear explanations of complex topics, and a conversational format that blends financial analysis with relatable anecdotes. This show is likely to appeal to listeners seeking pragmatic, long-horizon wealth-building guidance tailored to the Australian market, with occasional guest perspectives and a straightforward, skeptical ... more

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Which podcasts are similar to Aussie FIRE?

These podcasts share a similar audience with Aussie FIRE:

1. Australian Finance Podcast
2. money money money
3. Retire Right
4. Australian Investors Podcast
5. Get Rich Slow Club

How many episodes of Aussie FIRE are there?

Aussie FIRE launched 3 years ago and published 102 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Aussie FIRE?

Recent guests on Aussie FIRE include:

1. Natasha Etschmann

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