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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.

Already on your FI journey?

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
The government is passing stage 3 tax cuts in 2024
February 23, 2024

Stage 3 Tax Cuts Explained (Taxes and FIRE)

The new tax cuts and how it affects different income levels.  What impact does it have on FIRE?  What about franking credits and living off your portfolio?  Plus thoughts on future tax changes.

February 5, 2024

Strong Money Household Spending in 2023

A full breakdown how and where we spent our money in 2023, including lots of pictures from throughout the year.  See what changed (and why) and read about our spending plans for 2024.

January 25, 2024

80/20 Rule: The Pareto Principle for Financial Independence

How to harness the 80/20 rule across your income, spending, investing, and life in general, to make more progress with less frustration.

January 6, 2024

How to Level Up Your Life & Finances In 2024

My best advice for having a great year.  Improving your mindset.  Spending more consciously.  Boosting your income.  Perfecting your investment portfolio.  And living a healthier life.

December 20, 2023

What If Everyone Pursued Financial Independence?

If people spent less, wouldn’t the economy collapse? What happens when everyone saves and invests? If lots of people retire, who does the important jobs? And how do we generate enough tax revenue?

December 3, 2023

Should You Pay Off Your Home, Invest, or Debt Recycle at Higher Interest Rates?

Should you pay down your mortgage or invest when interest rates are high? What about debt recycling? Let’s discuss the benefits of each and figure out which is the best option.

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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.


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


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).


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.


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.


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.


Download the Free Guide

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.


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!!!
Thank you so much for the podcast, I feel really empowered and in charge of my financial future.
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