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Early Retirement
FIRE, Financial Independence, Sequencing Risk, Family Finances
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Victoria, Australia
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

Two of the big rules of personal finance are to automate your finances and pay yourself first.  They go hand in hand to a large extent, you figure out a budget and what your regular bills are and get direct debits … Continue reading → ...
Posted: May 04 2019 @ 7:18 AM
I wrote in my last post about the changes that Labor is proposing to make to the tax system, assuming of course that they get elected and get all their “policies” legislated.  Suffice it to say I wasn’t a fan … Continue reading → ...
Posted: Apr 03 2019 @ 6:31 AM
Most of the articles that the FIRE blogging community has produced about the proposed Labor tax changes has focussed primarily on the removal of cash refunds for franking credits, presumably because there is a heavy focus on Australian shares and … Continue reading → ...
Posted: Feb 28 2019 @ 4:37 PM
There’s been a lot of work done recently on sequencing risk and safe withdrawal rates for Australian investors.  Dan over at Ordinary Dollar has done some fantastic work with his series and I’d like to think that I’ve contributed something … Continue reading → ...
Posted: Jan 31 2019 @ 4:57 PM
The question of what people would do if their income in retirement declined significantly comes up quite a bit, and the generic answer seems to be that everyone would just tighten their belt a bit ie cut their living costs.  … Continue reading → ...
Posted: Jan 22 2019 @ 5:39 AM
If you’re interested in FIRE then you likely have a budget or at least know that it’s a good idea to have one.  Maybe you use a spreadsheet, maybe you have an app or use the Moneysmart budget calculator, whatever … Continue reading → ...
Posted: Jan 03 2019 @ 4:11 PM
With the new year just around the corner now is the time that most people are starting to think about their resolutions for 2019.  Almost every year there are the reliable ones like eating better, working out more etc, but … Continue reading → ...
Posted: Dec 31 2018 @ 3:33 PM
Almost everyone in the FIRE movement has heard of Mr Money Mustache.  He wasn’t the first person to talk about FIRE, but he was certainly one of the people to popularise it with his blog.  Perhaps his most famous post … Continue reading → ...
Posted: Dec 26 2018 @ 7:03 PM
This is one of the big questions, once we start out on this journey how long will it take to actually being able to declare financial independence and never work again?  We’ve all had a play around with spreadsheets, whether … Continue reading → ...
Posted: Dec 17 2018 @ 6:47 AM
As I’ve talked about a number of times previously returns aren’t smooth and so we have to worry about sequencing risk ie a big fall in the value of our investments at the wrong time derailing our plans for FIRE.  … Continue reading → ...
Posted: Dec 07 2018 @ 6:41 AM


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