Category Archives: Uncategorized

Financial New Years Resolutions

With the new year just around the corner now is the time that most people are starting to think about their resolutions for 2019.  Almost every year there are the reliable ones like eating better, working out more etc, but … Continue reading

Posted in Uncategorized | 15 Comments

The shockingly complex math behind early retirement

Almost everyone in the FIRE movement has heard of Mr Money Mustache.  He wasn’t the first person to talk about FIRE, but he was certainly one of the people to popularise it with his blog.  Perhaps his most famous post … Continue reading

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How long will it take to hit FIRE?

This is one of the big questions, once we start out on this journey how long will it take to actually being able to declare financial independence and never work again?  We’ve all had a play around with spreadsheets, whether … Continue reading

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Can we control when we hit FIRE?

As I’ve talked about a number of times previously returns aren’t smooth and so we have to worry about sequencing risk ie a big fall in the value of our investments at the wrong time derailing our plans for FIRE.  … Continue reading

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Why does everyone want to put out the FIRE?

There have been a number of articles in the mainstream media criticising the FIRE movement, some with valid points and others not so much.  I’m not sure why there has been so much attention recently, but I’ve tried to take … Continue reading

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Sequencing risk, the Trinity Study, and the 4% rule in Australia

I’ve written plenty of times previously about sequencing risk and the 4% rule aka the Trinity Study and they’re areas which the FIRE community are very much interested in.  For those who are new to the subject, the Trinity study … Continue reading

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FIRE Safety – FIRE Breaks

One of the major concerns for me with FIRE is the possibility of something going wrong with our plans which would affect myself and my family.  In particularly this is a concern once my wife and I have both retired … Continue reading

Posted in Uncategorized | 14 Comments

Sequencing risk on the road to FIRE – returns aren’t smooth and why it matters

Sequencing risk for those of you who haven’t heard of this enthralling topic previously is the risk that the order and timing of your investment returns is unfavourable and results in you having less money than you would if your … Continue reading

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What a Bear Market Feels Like

Depending on how you measure it we are right around the 10 year anniversary of the GFC which a lot of people classify as Lehman Brothers going under, although of course there are plenty of other significant events.  I had … Continue reading

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FIRE and Personal Insurance

The vast majority of FIRE posts I see are about areas such as investments strategies, investment structures, savings rates etc.  Insurance and in particular personal insurance rarely seems to get a mention and when it does often gets dismissed as … Continue reading

Posted in Uncategorized | 32 Comments