How do we get into a cage in the first place? We get into our cage with limited thinking, with beliefs that are doubtful, with BS rules ..read more

In our busy consumer and capitalist modern day lives, it’s easy to be coaxed into believing bigger is better. Business leaders set Big Hairy Audacious Goals (BHAG's) for their organisations. Motivational speakers preach “Aim for the stars, because if you miss at least you’ll land on the moon”, whilst talented athletes train for years with their hopes set on Olympic Gold. We're constantly striving for more; more money, more experiences, more accolades and attention. Whilst forgetting or unaware of how much is really enough. Often we buy into the misbelief that we’re less than others based o ..read more

Fourteen years ago I had the opportunity to share on stage my thoughts on what it takes to achieve success and how what I had leant and applied to fast track achieving my own financial freedom. In short, get in the pool and do the work! Success is simple. Not easy, but simple.  The formula is a follows: Know what you want. Do the work i.e., pay the price. Don't stop until your goal is your reality. However, we often let our egos get in the way of our own success by making our goals too big. Only then give up on achieving our goals all to soon, because of some negative experie ..read more

February 2023 I sold my financial planning business and retired, however this was not the first time I had retired. Back in the day, and before I knew what I wanted to do with my life, I was a swimmer. I loved swimming. I was good at it, passionate about it and at the time it gave me an identity amongst my friends, family and social circles. But then after graduating high school I had a decision to make. I could either continue swimming or move on like all my school friends, going to university or starting their careers. Ultimately the fear of being left behind, along with what I believed ..read more

Financial Independence Retire Early Recipe Recently I had a very enlightening conversation with a chef, and discovered why their cakes always win awards? Applied the same way I discovered a foolproof process for having your cake (achieving our own financial goals in life) Financial Independence Retire Early, and enjoy eating it too. Conversation with the Chef. Chef: What is the first thing you need to do when you make a cake? Me: Get the ingredients? Chef: No! Me: Get the recipe? Chef: No! Me: Um.... I don’t know, I give up. What do I need to do? Chef: Decide what type of c ..read more

Making better financial choices is the key to unlocking higher returns. So why is creating wealth counter intuitive? Simply because the more we touch our money, the less it grows. The following are five age old and proven ways to help you accelerate our wealth, keep it longer and enjoy it more.   Invest more of your time with your partner and those important to you.  These experiences don't have to require additional spending (think of a romantic walk together, creating a home cooked meal together, just jabbering like "two monkeys in a tree" conversations etc…).  Why do t ..read more

Whether you've just started out on your journey to achieving financial independence or you're well on your way, but feeling a bit lost. The following are some nuggets of gold I've discovered along the way that has helped and encouraged me too. 10 important things about money 1. Investing in yourself will be the most valuable and highest returning investment you will ever make. 2. Aligning your financial choices to your core values will help you not only make better decisions, you will also be able to make them faster, more confidently and give yourself a higher probability of success ..read more

Have you ever wondered how to get a better deal from your bank? In this blog we discover some simple and easy ways to both save bank fees and get a lower interest rate on your personal, home and investment loans. Today the national sport of bank bashing is at an all time high.  Crooks, bastards, banker-wanker's, fat-cats and worse is the language we like to use, see and hear across the various media outlets, at work, at home and our social gatherings to describe our experiences and opinions of banking institutions.  We love to blame them for the current housing affordability cr ..read more

It's common knowledge that debt and financial problems are the number one cause for stress and worry in our lives.  How to be debt free ASAP, a Frank and Ernest conversation. Recently I met with "Frank and Ernest" who had amassed combined total debts of $127,000 across their credit cards, home loan and personal loans.  Frank told me that they expected to be debt free in fifteen years (based on his mortgage etc).  "How does being debt free within the next five years sound?' I asked.   A Frank and Ernest Conversation   Frank: “You can't be debt free in 5 years ..read more

Making money is simple, but not easy. However if the process has slipped your mind, the following is a quick refresher. Save and invest first i.e. don’t spend then save. Invest and reinvest earnings in growth assets for the long term Keep fees and taxes to a minimum. Invest for the long term (life expectancy) Sadly many become so obsessed with making more and more money, they lose their “life” along the way. “Man. Because he sacrifices his health in order to make money.  Then he sacrifices money to recuperate his health. And then he is so anxious about the future tha ..read more