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Creating Freedom Through Financial Independence

Australia’s ultimate free
resource to help you:

Reach financial independence and retire early

678Years of Freedom Created
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Take the right first steps on your journey with special content made for those just getting started.

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Who is Dave Gow?

After leaving work, I decided to share my thoughts on saving, investing, and the mindset that helped me reach financial independence.
From forklift driving to Financial Independence and freedom at 28.
Latest Articles
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November 1, 2025

Why You Won’t Be ‘Priced Out’ of the Housing Market

This article explains why being ‘priced out’ is mostly fear-driven hype – and how good financial habits give you the freedom to buy when it suits you (even if prices keep rising).

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October 4, 2025

My New Super Strategy (Why I Moved to Pearler Super)

I just made one of the biggest changes to my investing strategy in a long time. I expect it to make a seven-figure difference to my retirement balance.

saving vs investing
October 2, 2025

Making Big Money From Little Changes (Part 3)

Four simple strategies relating to housing, income, travel, and investing that could net you a million dollars over twenty years.

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September 20, 2025

How to Achieve Financial Independence with Kids (Part Two)

How to deal with the major costs of raising children while balancing your FIRE goals. This post looks at schooling, transport, entertainment, housing and more.

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August 9, 2025

A Perth Teen’s Path to A Million | Strong Money Stories #7

James shares his path to building a share portfolio and buying an investment property by 19. He also shares his FI plans, lessons learned + more.

July 12, 2025

Making Big Money From Little Changes (Part 2)

This article unpacks four simple strategies which have the potential to make you an extra $600,000 richer for singles, and over $1m for couples.

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June 28, 2025

Rent vs Buy: Complete Guide to Making the Best Choice

This detailed guide breaks down the true costs and long-term outcomes of both strategies. Includes calculations, personal experience, and decision-making framework.

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June 14, 2025

Rebuilding After Divorce to Reach FI at 59 | Strong Money Stories #6

After going through a difficult divorce, Ronald rebuilt his wealth in his 50s, focused on his future, and managed to retire at 59.

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Really excellent material and knowledge on FI & common sense investing from an ordinary person’s viewpoint. You also have an incredible knack of writing simply but effectively.

Dwayne
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You guys are great at deploying information in an interesting
and down to earth way which is easily relatable so thank you once again.

Tahir
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It’s helped me so much when it came to thinking about my future and how to achieve FIRE. It motivated me to get my portfolio started and it’s put me in a relatively good position for my age (26).

Sarah
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Thanks so much for all the time and effort you put in to creating interesting and thought provoking articles. I really love your clear way of explaining things whether they be simple or complex.

Deborah
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Thanks again for everything you do on this blog. I appreciate the significant amount of time that you invest into this. It’s been a pleasure to read.

Harry
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After stumbling on your blog and podcast, it has helped me take actionable steps towards FI; putting me in a much better financial position than I was beforehand.

Andrea

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10 Steps to Financial Independence
New Book

Strong Money Australia: How to Gain Financial Independence and Create a Life of Freedom

After 5 years and hundreds of articles and podcasts, I decided to distill everything down into an easy to follow book.

Designed as a complete roadmap to achieving financial independence and retiring early in Australia.

The crucial lessons, principles and the philosophies around creating wealth and living life on your own terms. Built on my personal experience and what I've learned along the way.

Feedback

Dave you should get the Order of Australia medal 5 times over. No-one ever teaches any of this through 12 years of useless schooling. Thank you for sharing your wisdom!!!
Michael
Thank you so much for the podcast, I feel really empowered and in charge of my financial future.
Bridget
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