I unpack an often debated topic – is it more important to focus on saving or investing?
More importantly, I explore which one will actually move you towards freedom the fastest – and at which times is one more important than the other?
Read the article version here. And the reader interview I mentioned is here.
**My new book is now available on Amazon. Audiobook on Spotify and Audible.
Tune in on Spotify or Apple, or find it in your favourite podcast app.
🤝Financial advice
An advisor I trust who can help with planning, retirement, or optimising your strategy. Learn more.
🏠Mortgage broker
My trusted contact for all things home loans, including debt recycling. Check them out.
📊 Sharesight
What I use to track my portfolio, dividends and capital gains. Try it here.
📘Strong Money Australia book
The complete guide to financial independence for Aussies. Grab it on Amazon, Audible and Spotify.
Some links may benefit this blog at no extra cost to you. I only recommend what I use and trust — thanks if you choose to check them out.
Thanks for tuning in! You can check out my other audio content on the podcast page.
!If you got value from the show, the best way to support it is by sharing it or leaving a quick rating or review. It helps more people discover the podcast!
Have something to add to this discussion? Share your thoughts in the comments below.
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.
You have fixed needs, not fixed expenses. Why “fixed costs” is a myth that keeps people stuck, and convinces them financial independence is impossible.
Money, freedom, and a better life - delivered to your inbox
Practical insights to help you build wealth & actually enjoy it.
You mentioned a few listeners who retired in their 30s. I’m curious: did they mostly follow a simple index strategy like VAS + VGS, or were there other elements that made a big difference?
And one more thing — for someone in the top tax bracket, with a child in day care and receiving CCS, how do you think about VAS? The high franked dividends get taxed heavily and also reduce CCS, so would a lower‑yield global ETF be more efficient in that situation?
They don’t always explain their story – sometimes it’s just a simple email to let me know and say thanks for helping/inspiring them. But quite often they simply earned strong incomes, didn’t spend that much and there have been mixed examples of property, shares, or both being used, so it really varies quite a lot (some are single, family, etc)
And yes, a lower yield higher growth option would generally be more efficient in that type of scenario.