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.

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Strong Money Australia

Original Aussie FIRE e-book

Dave's books on Amazon and Spotify

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

Hosted on Acast. See acast.com/privacy for more information.

What happens if the market crashes as soon as you hit FIRE? In this episode, Hayden and Dave get into one of the most practical and underrated challenges of early retirement: actually living off your portfolio when things get rocky.

They cover:

👉 The stage of retirement where you're most at risk from market volatility

👉 The psychological shift from receiving a paycheck to relying on a portfolio, and why it's harder than it sounds

👉 Why having a backup plan before you need one changes everything

👉 Cash buffers, flexible income and expense levers you can pull without selling assets at the wrong time

👉 How debt, home equity and diversification fit into a drawdown strategy

It's pearler's 5th birthday! Get 5 free trades here 🥳

Ask a Question

FI Case Study Request Form

Pearler

Strong Money Australia

Original Aussie FIRE e-book

Strong Money Australia’s audiobook

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

Hosted on Acast. See acast.com/privacy for more information.

What happens when a government equity scheme starts to feel like a trap? In this episode, Hayden and Dave sit down with listener Steve to unpack his property situation and map out a path forward.

Steve is a self-employed sports coach earning around $120,000–$130,000 a year, with a partner on $100,000. He owns an apartment worth roughly $570,000, holds a $200,000 ETF portfolio, and used the Victorian Homebuyer Fund to get into the market with a 25% government equity stake still sitting on his property.

In this episode they cover:

👉 How the Victorian Homebuyer Fund works and why Steve is feeling stuck

👉 Whether refinancing could free him from the government equity stake without selling his ETFs

👉 The case for rent-vesting as a flexible alternative to upsizing

👉 How to weigh lifestyle preferences against pure FIRE optimisation

👉 Why financial flexibility can matter more than squeezing every dollar out of a strategy

It's pearler's 5th birthday! Get 5 free trades here 🥳

Ask a Question

FI Case Study Request Form

Pearler

Strong Money Australia

Original Aussie FIRE e-book

Strong Money Australia’s audiobook

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

Hosted on Acast. See acast.com/privacy for more information.