Aussie FIRE | Financial Independence Retire Early

75. A Final Word on the Budget: How We're Thinking About it Now

The dust has (somewhat) settled on the Federal Budget, and Hayden and Dave are back to go beyond the initial reactions. This week they dig into the real numbers, the philosophical tensions behind the changes, and what investors should actually be doing differently (if anything). They cover: 👉 If and how our investing strategies will change 👉 How the CGT changes hit a sell-down strategy versus a dividend/income strategy differently 👉 Why the two-phase super strategy takes a bigger hit than most people realise 👉 The case for semi-retirement over full FIRE under the new rules 👉 Whether continuing to invest is still worth it when the rules keep shifting Plus, is the budget actually doing anything meaningful for housing supply? And what does the 30% floor really mean for someone trying to live off their portfolio? Free calculator here to work out your CGT with the new proposed changes. [https://budget-2026.pearler.com/] Follow us on Instagram [https://www.instagram.com/aussiefirepodcast/] Watch on Youtube [youtube.com/channel/UCawTJqVVTHz5tfHdmU-UNMA/] Ask a Question [https://airtable.com/appm1Qj814tgX3I0O/shr50DPEI7iKsbNrG] FI Case Study Request Form [https://airtable.com/appm1Qj814tgX3I0O/pagP8jSwwyeYskjRk/form] Pearler [https://pearler.com/] Strong Money Australia [https://strongmoneyaustralia.com/] Original Aussie FIRE e-book [https://pearler.com/explore/learn/blog/category/aussie-fire-ebook] Dave's books on Amazon [https://www.amazon.com.au/stores/author/B0BNL7WHM6] and Spotify [https://open.spotify.com/author/0XP2oVmixNv9sVfUd5riI6] Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide [https://pearler.com/financial-services-guide] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

74. The Budget: What it actually means for investors

The Australian federal budget just dropped and there is a lot to unpack. Hayden and Dave dig into the changes that matter most for everyday investors and the FIRE community, cutting through the political noise to focus on what actually affects your money. They cover: 👉 The switch from the 50% CGT discount to indexation 👉 The surprise 30% minimum tax floor on capital gains that nobody saw coming, and who it really hits 👉 Why the "death of debt recycling" narrative doing the rounds online misses the point entirely 👉 Negative gearing changes, what's grandfathered, what's not, and who actually benefits 👉 How growth vs. dividend investing strategies stack up under the new rules 👉 Whether super just became a lot more attractive overnight 👉 The six year exemption loophole that rentvesting fans will want to know about There are still plenty of details being worked out in Canberra, exemptions being carved out, and edge cases nobody has good answers to yet, but these are our thoughts so far. Free calculator here to work out your CGT with the new proposed changes. [https://budget-2026.pearler.com/] Follow us on Instagram [https://www.instagram.com/aussiefirepodcast/] Watch on Youtube [youtube.com/channel/UCawTJqVVTHz5tfHdmU-UNMA/] Ask a Question [https://airtable.com/appm1Qj814tgX3I0O/shr50DPEI7iKsbNrG] FI Case Study Request Form [https://airtable.com/appm1Qj814tgX3I0O/pagP8jSwwyeYskjRk/form] Pearler [https://pearler.com/] Strong Money Australia [https://strongmoneyaustralia.com/] Original Aussie FIRE e-book [https://pearler.com/explore/learn/blog/category/aussie-fire-ebook] Dave's books on Amazon [https://www.amazon.com.au/stores/author/B0BNL7WHM6] and Spotify [https://open.spotify.com/author/0XP2oVmixNv9sVfUd5riI6] Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide [https://pearler.com/financial-services-guide] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

73. CGT and Negative Gearing: What the Budget Could Change for Investors

The federal budget is coming, and there's already noise around two policies that could shake up the investment landscape: capital gains tax and negative gearing. Hayden and Dave break down what's actually being floated, and what it could mean for your portfolio. They cover: 👉 How governments "soft launch" policy changes before they're official, and why it matters for investors right now 👉 The current CGT discount rules and the proposals that could change what you actually keep when you sell 👉 Whether indexation could be a better deal than a flat discount, depending on how long you've held an asset 👉 The grandfathering question that every existing property investor needs answered before panicking 👉 How capping negative gearing could reshape who benefits from it and what it means for property prices Plus, a timely reminder on building your investing strategy around any single tax settings. Ask a Question [https://airtable.com/appm1Qj814tgX3I0O/shr50DPEI7iKsbNrG] FI Case Study Request Form [https://airtable.com/appm1Qj814tgX3I0O/pagP8jSwwyeYskjRk/form] Pearler [https://pearler.com/] Strong Money Australia [https://strongmoneyaustralia.com/] Original Aussie FIRE e-book [https://pearler.com/explore/learn/blog/category/aussie-fire-ebook] Dave's books on Amazon [https://www.amazon.com.au/stores/author/B0BNL7WHM6] and Spotify [https://open.spotify.com/author/0XP2oVmixNv9sVfUd5riI6] Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide [https://pearler.com/financial-services-guide] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

72. Case Study: Doubling down on investment properties vs. shares

Chris is at a crossroads and unsure which way to go. He's spent time in his career working in real estate, and now he's trying to decide whether to buy a family home, double down on investment properties, or pivoting entirely into a more aggressive share portfolio. He's got a good case of analysis paralysis, and Hayden & Dave are here to help him work through some of the numbers and thinking behind it all. In this episode they cover: 👉 How much Chris saves & invests on a $170k household income 👉 His ultimate FIRE goal 👉 What Chris should do with an underperforming IP 👉 Chris' concerns about mortgage stress 👉 How Hayden & Dave would approach all of these things! Ask a Question [https://airtable.com/appm1Qj814tgX3I0O/shr50DPEI7iKsbNrG] FI Case Study Request Form [https://airtable.com/appm1Qj814tgX3I0O/pagP8jSwwyeYskjRk/form] Pearler [https://pearler.com/] Strong Money Australia [https://strongmoneyaustralia.com/] Original Aussie FIRE e-book [https://pearler.com/explore/learn/blog/category/aussie-fire-ebook] Dave's books on Amazon [https://www.amazon.com.au/stores/author/B0BNL7WHM6] and Spotify [https://open.spotify.com/author/0XP2oVmixNv9sVfUd5riI6] Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide [https://pearler.com/financial-services-guide] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

71. Q&A: Homebuyer’s regret + does flipping houses still work?

Got a property and wondering if it's time to sell, rent it out, or just… hold on? In this episode, Dave and Hayden tackle two listener questions that a lot of people are quietly sitting with. First up is a listener who bought their first home two years ago is now craving more flexibility to make some big career moves, and wants to know whether to sell or become an accidental landlord. Then, they dig into the age-old question of house flipping and whether or not it still stacks up in today's market? They'll walk through the numbers you need to crunch and the situations where it might actually make sense. It's pearler's 5th birthday! Get 5 free trades here 🥳 [https://pearler.com/lp/5thbirthday] Ask a Question [https://airtable.com/appm1Qj814tgX3I0O/shr50DPEI7iKsbNrG] FI Case Study Request Form [https://airtable.com/appm1Qj814tgX3I0O/pagP8jSwwyeYskjRk/form] Pearler [https://pearler.com/] Strong Money Australia [https://strongmoneyaustralia.com/] Original Aussie FIRE e-book [https://pearler.com/explore/learn/blog/category/aussie-fire-ebook] Dave's books on Amazon [https://www.amazon.com.au/stores/author/B0BNL7WHM6] and Spotify [https://open.spotify.com/author/0XP2oVmixNv9sVfUd5riI6] Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide [https://pearler.com/financial-services-guide] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.