Start Here
Join the Newsletter
Close Menu
Creating Freedom Through Financial Independence
Join the Newsletter
Start Here

Australia’s ultimate free
resource to help you:

Reach financial independence and retire early

New to this? Start Here

Take the right first steps on your journey with special content made for those just getting started.

Already on your FI journey?

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

As Featured on

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.
Read Dave’s FI Journey
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.

Read More Articles
uotation-marks

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
uotation-marks

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
uotation-marks

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
uotation-marks

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
uotation-marks

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
uotation-marks

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

Download my Free Ebook

The Aussie Guide to Financial Independence

FIRE & Chill

Show All Episodes

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
Show All Episodes

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
Show All Resources

Resources

Show All Resources

I’ve been using Sharesight for years to record all our share purchases and dividend payments easily in one place.

It tracks performance, plus you can generate quick tax reports for income and capital gains, which makes tax season so much easier.

And it’s completely free if you have 10 holdings or less!

Read More Read More

My personal mortgage broker. I’ve worked with Deanna and her team for almost 10 years, and they’ve been fantastic.

If you’d like help with anything home loan related, like getting a better rate or finding the right lender and setup for your situation, get in touch and they’ll look after you.

Read More Read More

In 2020, our slow internet was wearing on my patience, so I finally got the NBN.  We chose to sign up with Aussie Broadband after reading the excellent customer reviews and seeing very reasonable prices.

And we’ve been very happy with the experience so far.  If you’re looking to switch providers, get $50 free credit when you sign up using my refer-a-friend link.

Read More Read More

There are some insanely good deals on pre-paid phone plans these days.  Catch Connect is one of them, which I switched to recently.

We went for the 365-day plans, which are the best value in my view.  Catch Connect has a 365-day plan, with plenty of data, for just $120 – that’s ten bucks a month!

Powered by Optus, and you can keep your current number.  An absolute no brainer!

Read More Read More