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Recent Posts
- My feet tread the path – The journey to FIRE
- They let me pick, did I ever tell you that? – How to Decide
- This one is but flesh and faith, and is the more deluded – Typical mind fallacy
- The Mantle of Responsibility – Planning Ahead
- Digging up the Past – Thoughts on past performance and asset allocation
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- Frogdancer Jones on My feet tread the path – The journey to FIRE
- My feet tread the path – The journey to FIRE | Aussie HIFIRE on If they came to hear me beg – More heretical thoughts on cutting costs
Category Archives: Uncategorized
A Monument To All Your Sins – Actual vs Expected spending for the year so far
Back at the start of the year I wrote a post about your budget vs your actual spending, where I said that our budget was based on what we actually spend instead of what we think we spend. The reason … Continue reading
Firestarter – Playing with FIRE documentary
As you may be aware a documentary about FIRE has been made and is coming to the big(gish) screen and then presumably the small screen at some point in the future. In some exciting news it will be coming to … Continue reading
Posted in Uncategorized
4 Comments
They’ve Always Been Faster – why it’s hard to compare your savings rate to someone else’s
One of the more talked about issues in the FIRE movement is what your savings rate is. If you’re not familiar with the term savings rate, it’s usually worked out by taking the savings/investments you made this year, dividing it … Continue reading
Folks Need Heroes
Regular readers of this blog will no doubt have figured out that I’m a pretty numbers and data oriented guy. I like thinking about things like sequencing risk and safe withdrawal rates and budgets and the impact of various tax … Continue reading
Posted in Uncategorized
25 Comments
Why I don’t automate my finances and pay myself first
Two of the big rules of personal finance are to automate your finances and pay yourself first. They go hand in hand to a large extent, you figure out a budget and what your regular bills are and get direct debits … Continue reading
Posted in Uncategorized
25 Comments
How would the proposed Labor policy changes affect me?
I wrote in my last post about the changes that Labor is proposing to make to the tax system, assuming of course that they get elected and get all their “policies” legislated. Suffice it to say I wasn’t a fan … Continue reading
How the other proposed Labor tax changes would affect FIRE
Most of the articles that the FIRE blogging community has produced about the proposed Labor tax changes has focussed primarily on the removal of cash refunds for franking credits, presumably because there is a heavy focus on Australian shares and … Continue reading
Making a bigger safety net – how much longer does it take to get to a 3% withdrawal rate
There’s been a lot of work done recently on sequencing risk and safe withdrawal rates for Australian investors. Dan over at Ordinary Dollar has done some fantastic work with his series and I’d like to think that I’ve contributed something … Continue reading
The reality of tightening your belt – why there’s only so much you can cut your living costs
The question of what people would do if their income in retirement declined significantly comes up quite a bit, and the generic answer seems to be that everyone would just tighten their belt a bit ie cut their living costs. … Continue reading
The difference between theory and practice – Your budget vs your actual spending
If you’re interested in FIRE then you likely have a budget or at least know that it’s a good idea to have one. Maybe you use a spreadsheet, maybe you have an app or use the Moneysmart budget calculator, whatever … Continue reading