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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

Ok, the title is an obvious dad joke, but as it happens it still fits in with my naming convention for posts so happy days!  On to more serious stuff. The most common proposed asset allocation for people pursuing FIRE … Continue reading → ...
Posted: Sep 09 2019 @ 7:23 AM
One of the first things that new members of the FIRE community get told is that they should have an emergency fund, also known as a rainy day fund.  Usually a figure of 3-6 months of living expenses gets used … Continue reading → ...
Posted: Aug 02 2019 @ 6:54 AM
Back at the start of the year I wrote a post about your budget vs your actual spending, where I said that our budget was based on what we actually spend instead of what we think we spend. The reason … Continue reading → ...
Posted: Jul 04 2019 @ 5:43 PM
As you may be aware a documentary about FIRE has been made and is coming to the big(gish) screen and then presumably the small screen at some point in the future.  In some exciting news it will be coming to … Continue reading → ...
Posted: Jun 20 2019 @ 7:22 AM
One of the more talked about issues in the FIRE movement is what your savings rate is.  If you’re not familiar with the term savings rate, it’s usually worked out by taking the savings/investments you made this year, dividing it … Continue reading → ...
Posted: Jun 07 2019 @ 4:36 PM
Regular readers of this blog will no doubt have figured out that I’m a pretty numbers and data oriented guy.  I like thinking about things like sequencing risk and safe withdrawal rates and budgets and the impact of various tax … Continue reading → ...
Posted: May 19 2019 @ 6:04 PM
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


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