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Aussie FIRE | Financial Independence Retire Early

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

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Artwork for Aussie FIRE

Latest Episodes

When your landlord puts the property up for sale, the rent vs. buy question stops being theoretical. For Shyann and her husband, that moment became the push they needed to make a decision they'd been circling for a while.

In this case study episode,... more

Today Hayden & Dave are unpacking an email they received from a listener. He's 29, originally from the UK, drives trucks for a living and keeps moving on after a year or two because the passion just isn't there. He loves to travel, wants to build wea... more

In this episode, Hayden and Dave dig into one of the most overlooked parts of the FI journey: what to do with your investments as you get closer to pulling the trigger. Does your strategy need to change? And if so, when and how?

They cover:

👉 Whet... more

The episode was updated on the 30th of May to remove some comments around assumptions around tax losses in the new budget if an asset underperforms inflation, as well as removing some comments around tax deductions which were oversimplified.

The dus... 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; focuses on investing, FIRE, and property strategies.
Hayden Pearler
Co-host; provides Pearler perspective, with a focus on youth wealth-building and long-term investing.

Reviews

4.8 out of 5 stars from 333 ratings
  • Best and easy to understand

    I look forward to new episodes as I love the topics discussed on investments and how easy it is for me to understand. I’m a makeup artist so you can imagine that finance is not really my thing, and I didn’t even think of investing or FIRE until I saw Dave on tv once and thought it was amazing. Hayden has a very reassuring and smooth voice , easy on the ears . What a pleasure - thank you.

    Apple Podcasts
    5
    xiaoling78
    Australiaa month ago
  • Best podcast

    Absolutely love the podcast! Always informative, solid conversations and coverage over financial topics. Extremely relevant to people and really gets you thinking about heaps of different options and FI. Absolutely love it

    Apple Podcasts
    5
    OliverN04
    Australia2 months ago
  • 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
    Australia4 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
    Australia5 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
    Australia6 months ago

Listeners Say

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

Consistently helpful for understanding FIRE in real-world terms.
Relatable hosts, with solid math-backed takeaways.
Clear, practical money guidance tailored to Australians.

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: Rentvest vs. ETFs
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: US Tech Risk & Ethical Investing
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

Listeners, social reach, demographics and more for this podcast.

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Frequently Asked Questions About Aussie FIRE

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

This show consistently covers practical Australian personal finance with a FIRE tilt, focusing on real-world decision-making around property, shares, and tax policy. Episodes frequently compare buying versus renting, weigh investment strategies (ETFs, property, and superannuation), and unpack government incentives or changes that affect long-term planning. The hosts blend calculus, scenarios, and actionable takeaways, often using listener case studies to illustrate trade-offs in retirement timelines, portfolio diversification, and cash-flow management. A standout trait is the emphasis on transparent, back-and-forth reasoning between two seasoned hosts, with occasional guests who bring concrete real-world perspectives. This makes it especial... more

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How many listeners does Aussie FIRE get?

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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. Retire Right
3. Get Rich Slow Club
4. money money money
5. Australian Retirement Podcast

How many episodes of Aussie FIRE are there?

Aussie FIRE launched 3 years ago and published 108 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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