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Creating Freedom Through Financial Independence

Australia’s ultimate free
resource to help you:

Reach financial independence and retire early

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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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Not a beginner? Start browsing through the content library and see what sparks your interest.


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
November 5, 2022

Reader Interview: A Real-Life Millionaire Next Door

I chat with a local Perth reader about his journey to financial independence and his new life of freedom, after building considerable wealth though decades of saving, investing and business ownership.

October 6, 2022

The Incredible Power of Momentum

Financial independence can seem complex, but is easily broken down into simple actions. In this article, I explain how to beat procrastination and take your first steps, building momentum, and how surprisingly powerful it is.

September 26, 2022

Why Our Idea of Sacrifice Is Wrong

Everything we do comes with benefits and drawbacks.  When we ‘sacrifice’ one thing for another, we’re choosing a better set of benefits and drawbacks.  And if that’s the case, then it’s not really sacrifice at all.

August 30, 2022

Your Flex Rate: The Crucial Factor Behind A Successful Early Retirement

I break down the concept of your ‘flex rate’, and how it can help you retire sooner and with greater peace of mind.  This can create years of extra freedom and squash the fear of not having enough money.

August 1, 2022

Why We’re Not Paying Off Our Mortgage

Our debt recycling situation, beefing up our share portfolio after selling an investment property, investing a lump sum, simplifying our accounts & going ‘all-in’ on shares.

July 13, 2022

What My Life is Like 5 Years After Retiring Early

I retired from my full-time job 5 years ago. Here’s how the experience is going, how I spend my time, and my advice for you.

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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

FIRE & Chill

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Join thousands of Aussies tuning in to our podcasts, where we discuss the ideas and strategies that have helped us on our financial journeys.

Over 200+ 5 Star Reviews!

UPDATE: Due to ASIC's guidelines for financial content creators, we have decided to stop producing the podcast. You can continue to listen to all previous episodes on this site.

Thanks for your understanding, we appreciate your support over the years.

Latest Episode

EP 50. ASIC's New Guidance and the Future of FIRE & Chill

47:27 | Apr 19, 2022
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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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