I’m answering one of the more common questions I get: could I actually repeat what I’ve done if I started from scratch right now?
So we’ll run the numbers, and I’ll share what I’d do if I woke up tomorrow with no savings, and had to build financial independence all over again.
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Have something to add to this discussion? Share your thoughts in the comments below.
My thoughts on risk and investing after FI. How I define ‘enough’ and follow-up questions on my geared super strategy.
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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Super as part of your retirement mix can make the journey shorter. Even if it’s just the first 100k you save in your 20s. Like an investment property there are access rules with positives and negatives.
For example. What if you were offered a 20/30 year term deposit at 8% with 19% contribution matching ($63 out of pocket = $85 into super) and tax free withdrawals. Most would sensibly throw some cash at it.
It can, but it depends how much you’re relying on it and the timeframe between living off your non-super portfolio. Given there is sequence of returns risk, and making some of a portfolio last 15-20 years is a lot different than making the whole portfolio last 30-50+ years. Many people choose to ignore the practicalities of this because they’re so enamoured by the tax savings. I spoke about this in the following podcast: https://open.spotify.com/episode/2JABymucMWpO1pKFLmJS1Q