• 47. What If We Had to Start From Zero Today?

  • Mar 7 2022
  • Length: 1 hr and 16 mins
  • Podcast

47. What If We Had to Start From Zero Today? By cover art

47. What If We Had to Start From Zero Today?

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  • Summary

  • In this episode, we do a thought experiment.  What if we woke up as 18 year old's and had to start our wealth-building journeys all over again?

    What first steps would we take?  What would we do differently? 


    Discussion points...

    • Intro chat  (01:10)
    • Would we study or start work immediately?  (05:32)
    • Would we try to earn extra income?  (13:36)
    • Buying vs renting for us starting now  (18:50)
    • Our expected living expenses, savings rate and timeframe to FI  (26:02)
    • Would we be more frugal than we are now?  (36:24)
    • Semi-retirement or full FI?  (41:12)
    • How would we invest?  (45:48)
    • Would we put extra into super?  (52:32)
    • What if we started at age 40 instead?  (55:20)
    • What if we were single?  (1:05:46)
    • Overall, would it be easier or harder?  (1:09:37)



    Resources and stuff mentioned...

    • How we track our investments:  Sharesight
    • Low cost share investing platform:  Pearler
    • History of interest rates in Australia
    • Early Retirement Calculator
    • DHHF & VDHG: Is One Fund All You Need?
    • Why Financial Independence is Getting Easier
    • The Future of Financial Independence



    More from us...

    • Pat's blog:  Life Long Shuffle
    • Dave's blog:  Strong Money Australia
    • Contact us with questions and feedback:  fireandchillpod@gmail.com
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