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Creating Freedom Through Financial Independence

Australia’s ultimate free
resource to help you:

Reach financial independence and retire early

748Years 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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August 15, 2026

My Property to Shares Transition Strategy (Simplified)

How to turn your property equity into an income stream you can live off.  The different methods, my own personal approach, how much you need and more.

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August 1, 2026

There’s No Such Thing As Fixed Expenses

You have fixed needs, not fixed expenses. Why “fixed costs” is a myth that keeps people stuck, and convinces them financial independence is impossible.

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July 18, 2026

The Freedom to Stop Keeping Score

Financial independence means freedom from needing to work. But it also gives you freedom to stop measuring, comparing, proving, and keeping score.

July 4, 2026

Investment Update Mid 2026 (Another Property Sold!)

In this portfolio update, I share our latest property sale, current wealth breakdown, FY26 dividend income, future plans, and a few portfolio ideas I’m weighing up.

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June 20, 2026

How to Never Run Out of Money in Retirement

Running out of money is the single biggest fear in early retirement. It’s also far less likely than people realise. Here’s how to make your financial situation bulletproof.

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June 6, 2026

How to Retire Early and Travel the World | Strong Money Stories #8

Meet the Aussie couple who retired in their mid-40s to slow travel through Asia on $100 a day. Their full story, expenses, and what their lifestyle looks like.

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May 20, 2026

Federal Budget: Tax Changes, FIRE & Investing Strategy

How the budget will affect investors looking to live off their assets, and what you can do about it.

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May 9, 2026

The Freedom Dial: Choose Your Setting

I map out the options between fully working and fully retired (there are more than you think), to help you decide which one is right 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

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You've Got Money... Now What?

If you’ve been investing for a while, you’re probably much closer to freedom than you realise - whether that's semi-retirement or full financial independence.

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It's all about turning money into freedom - and freedom into fulfilment.

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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