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23.01.2022 If you have recently moved super funds, this is something to look out for. If you need a hand assessing your insurance needs and what products are available definitely feel free to reach out. A common myth regarding insurance is that you are limited to the covers offered by your existing superfund however you can actually get something that is called "retail" cover and still pay the premiums (or part thereof) from super but get access to policies from different insurers. https://www.moneymanagement.com.au//super-funds-charged-ex

21.01.2022 Here is a great article warning on the various scams and rorts popping up surrounding the early release of superannuation money due to COVID-19. These include: Serious and organised fraud targeting superannuation funds, cybercrime, use of malware and ransomware to target Australians and property crime and government program fraud, identity theft linked to COVID-19 stimulus schemes, suspicious COVID-19 international payments and money transfers, fraudulent websites providing misleading information and unlicensed financial advice about the JobKeeper stimulus program, and multiple fraudulent claims of COVID-19 small business support grants https://www.moneymanagement.com.au//asic-details-early-rel

20.01.2022 You can have your FI/RE and eat your super too! Yesterday @lifewithbess shared a post that said something along the lines of once you know better, you do better. And I love that. No matter where you are on your financial journey, you just do what is best with the knowledge you have. No shame. And when you learn more, you can get creative and change things up. My encouragement is that while you might not have the "perfect" strategy, if it works for you and achieves your goals ...then its doing what it needs to. If you look at my bio and you follow anything #debtfreecommunity you would be forgiven thinking I'm just throwing buzz terms around. But I genuinely believe all these little subsections of the community have something of value to contribute to a personalised strategy. As a financial planner, superannuation in Australia is gold. The tax free benefits after age 60 if you're retired is unrivaled anywhere. The #financiallyindependentretireearly movement appears to be at odds with super because they want to retire sooner, but there are tax effective strategies to get them from retirement age til age 60 and still use super in the long run. I preach Dave Ramsey but have my own budgeting course that expounds off his work and makes it even better again (not biased at all). And even other financial advisers who I follow who have different views to me on things like budgeting, still have loads of value to offer into the conversation. Long post, I'll get to my point. Point being we don't need to judge others by pigeon holing people into which subset they belong to. A hybrid approach can often be extremely wise and prudent. Its not one is better than the other necessarily, its a concept of once you know better you do better. A personalised financial strategy is just that ... personalised. Its not a copy/paste from the latest best seller. It takes into account who you and your family are, what you want to achieve, what things are not negotiable and how you want to live life on your terms. Long post but feel free to DM to chat further.

19.01.2022 IT'S GIVEAWAY TIME! For anyone who has donated time, resources or money towards the bush fire appeal, I want to say a huge thank you. Your generosity hasn't gone unnoticed and I am creating this giveaway just for you guys. The prize:... 3 x full access to "Regain Control Over Your Money" budgeting course That's right, for 3 lucky recipients, I'll be giving free and unrestricted access to my budgeting course. Currently valued at $199 and increasing to $299 on 15 January 2020. To enter, simply comment below with how you have donated or volunteered your time and tag 2 friends to do the same. There is no minimum donation so if you haven't donated yet, see this as your opportunity to do so and go into the draw to win access to the course. Proof will be required to receive your prize. I will be closing the giveaway this Friday at 5pm AEST, so get in quick. DM me if you would like a list of charities and fundraisers you can donate to. And seriously, thank you to everyone who has shown their support for rebuilding these fire hit communities.

19.01.2022 If you've followed my page for a while you may have heard me mention FIRE or the FIRE community a fair bit. FIRE stands for Financially Independent, Retire Early and is my preferred ethos when providing financial advice. The goal of beibg financially independent is universal, however if there is capacity to retire early, I'm definitely going to explore it with you. Happy Friday y'all haha. So, is FIRE possible during a pandemic? My answer is 100% yes. It may look differ...ent to what you imagined (no overseas holidays til airports reopen) but the opportunity maximise your wealth position has never been greater. What is required is to consistently apply sound wealth building principles rather than looking to capitalise on short term gains in the market. We start by eliminating all debt. This is why yesterday's post encouraged us all to not make short term debt decisions. If you have pereonal debt during this pandemic and have your emergency fund, bills float, bills buffer and a steady income then your number one priority is to eliminate that debt (and please do not press pause on your repayments unless you absolutely have to). This includes making additional repayments on your mortgage or storing excess savings into your offset account. If you are debt free on your home and have no personal loans, car loans or credit card debt then now is the time to focus on your investments. Start small. Identify the goal before you begin (ie retire early) and invest inlign with your goal and your risk profile. But please do not empty yoyr offset account or borrow extra money to invest in the stock market while it is so volatile. It may present as a perfect opportunity but beware of fools gold. It looks great but it's not what you want in your portfolio for the next 10-20 years. So whether is a pandemic or a bull market, it is always possible to FIRE if you stick to the sound principles of long term wealth building. See more

19.01.2022 Creating a budget will help you identify "cash leaks" quickly, and in many cases, you may not even notice where a good portion of your money is going.

17.01.2022 https://www.moneymanagement.com.au//ngs-and-australian-cat

16.01.2022 In Australia we have a really nice provision that says you can never be taxed twice. We see this when companies pay dividends ... they may "frank" their dividends meaning that they have already paid some or all of the company tax already, so when you receive the money in your personal name you don't need to pay the full amount of tax. Technically this is called receiving franking credits (But that is not the subject of today's post). The better question is where do you stash ...your investments in the lead up to FI/RE and prepare for the long term impacts of structuring correctly. If you have seen any of my older posts you'd know I am a massive superannuation nerd. I love super. But that is not always the best vehicle if you want to retire early. Because, hey, you still need money between retirement age and age 60 at the bare minimum. But the caveat is that you don't want ALL of your investments outside super because super (when retired after age 60 and in pension phase) is tax free retirement money. And who doesn't want a piece of that? This also means your investments don't need to work as hard once you hit 60 years old! Pretty cool. Let's assume your FIRE number is $1m. To get that into super after you stopped working will take you 10 years between ages 50 and 60 because of contribution caps. And if you were relying on that money to prop up your FIRE number then you're going to start freaking out at around age 55 (if not sooner) when your asset pool doesn't bring in as many dividends anymore. Start with the end in mind. How much do you need in super in pension phase where you have literally no tax (up to $1.6m in assets). Start with this as your primary goal. This will provide your annual income stream from age 60 til you die. That's the big picture sorted. Then work out how much you need after tax to retire before age 60 (e.g. $40k pa for 10 years is $400k). This is then the MAX you need outside super to retire if completely uninvested. The reality is you will invest. So you need even less. Go in with the concept you could spend every cent and anything unused try and put into super just before age 60. This is broadly how I would structure basic FI/RE.

16.01.2022 Sound investment advice from Vanguard's CEO.

15.01.2022 There's a lot of chatter recently about what to invest in, loads of DMs asking what is best ... but these questions try to start the conversation too many steps down the path to investing. Step 1 is actually to know and understand yourself. Seems common sense when I spell it out like that, but many people want to deep dive in strategies and product choice long before they even consider what sort of investor they are. And then, they are prone to arguments with their partners a...nd friends who have a different risk profile to themselves and they feel that they "just don't listen or understand". So what is a risk profile? In the extreme case it is a different as a conservative investor who feels most comfortable with term deposits and the high growth investor who is willing to take a larger risk for the potential of higher returns. But it also has a higher chance of losing money too and that is why it is important to know yourself before you start. There are 5 major categories: conservative, moderate, balanced, growth, aggressive / high growth. And it is definitely more than okay if your profile is different to other people. In fact, it can be a great thing. Once you know your profile, you can invest your bit of money your way. Even if you invest with your partner, consider setting up two accounts so that you can feel comfortable with your money and they can feel comfortable with theirs. If you would like me to send you the risk profiling tool we use in our business, send me a DM and I will forward it to you.

15.01.2022 Human emotional reflexes are what destroy some of the best laid plans. It happens in investing and now it's happening with toilet paper being bought in bulk to survive a 10 year apocalypse. Well, judging by how few rolls are left on the shelves worldwide I'm assuming this must be what is happening. But seriously, was it in your budget to buy toilet paper in bulk this week when you probably had a normal amount at home? And if other people hadn't have bought up so big, would yo...u have? The mental framework of what happened here was media fueled FOMO. And lets call it for what it is. The media make us believe that if there is a pandemic declared that trade borders will close and we can't continue to have our toilet paper imported. It only needed to convince a few ppl in every state so that the shelves started to noticeably look bare. And then they let FOMO do the rest. Ever question how you will eat in a declared pandemic? Especially enough food to justify the amounts of toilet paper being purchased. Although we enjoy many Australian made products, there wont be enough to go around if we all panic buy. This mindset also reflected itself on the stock market. FOMO is real and people are buying and selling just because others are and they dont want to miss out. But we need to think past the next week, past the next month and past the next year. What are the rules you set for your budget and your investment plan? When we have a plan we remove emotion and we remove panic and reflex responses. And as my economics teacher at school used to say "those who fail to plan, plan to fail". Lets not let yhis happen to your budget or your investments. Whats the craziest panic buy you have seen recently?

14.01.2022 What everyone forgets when goal setting (and it's not S.M.A.R.T. ... although that's important). What everyone forgets is that goals are destinations. They tell you where you'll finish. They aren't things like "I'll start" or "I'll stop" or "I won't" or "I will". It's all about the destination. Recently a client shared with me one of their goals which was to be mortgage and debt free by Christmas lunch next year (2020). This is a perfect goal. It is a destination. By Christma...s lunch to be debt free. And I just love the visualisation that goes along with it. I can see it, sitting down across from friends and family not owing a cent to anyone and enjoying the festivities. That's proper goal setting. But this doesn't mean you can't have non-destination goals, but we just need to call them something different. I call these waypoints and milestones. They are the achievements we celebrate on the way to achieving the bigger goal. For example, the goal may be to be get fit and feel confident in your body (picking non money goals for now) but the way points and milestones would relate to clothes sizes, receiving compliments and the number on your scales. But again note, we haven't said start doing this or stop doing that. Those things I call actions or your to do list. These are the little actions we do regularly that help us achieve our milestones and way points on the way to a much bigger goal. If you were to draw a time line, the very end of the line would be your goal ... it's what we're aiming for. Every so often along the line are your way points and milestones. And throughout are little markings which are the actions which will get us there. In light of this, what is one of your goals and two of your way points you'll celebrate along the journey?

14.01.2022 Now, I'm definitely not suggesting you go and gamble your money, the point is it's not terribly exciting because it's a slow process, but you need to stick with it with the end game in mind. To be honest, it can be exciting if you celebrate your small wins, and enjoy watching the debt go down and the savings grow. Being able to finally plan that family holiday, or buy a new car really is worth it.

14.01.2022 I really wish I had more voice so I could jump in on a LIVE to explain in more detail but this needs to be said before people become influenced by the thrill of short term investing. Quick context. Last week the share market took a dive off the back of the Coronavirus. Today it recovered a fair chunk. The actual details are irrelevant because anyone who trades when the market is super volatile like this is in fact gambling. They are gambling that they sell at the right time, ...they gamble that they can buy back in at the right time and then they gamble again when they do eventually sell. If you are investing for more than 9 years (e.g. superannuation money) then your strategy should be to align your investments to your risk profile, set and almost forget (just adjust each year back in line with your risk profile). It is a simple strategy that REMOVES emotion from the equation. Emotion is why gamblers lose. Emotion is what drives the media to polarise something as FEAR or EXCITEMENT. A fact of life is that stock markets do recover. We never know in what time frame they will recover but in time they will. Aa a general rule of thumb, if you heard it on the news or from a friend... don't do it. Don't buy it, don't sell it. Many people in the FIRE community are a little different, in a good way. They stockpiled cash for the purpose of buying stocks at discounted prices. This is very acceptable. It is planned, it is methodical and it is strategic. It is no different to waiting til Dyson vacuums are on sale before buying them. Okay, sure, Dyson vacuums don't appreciate in value (well, ours hasn't) but the concept of buying at a discount is very sound. Moral of the story: don't sell off the back of media hype. Don't buy into something because of FOMO. Do buy shares at discounted prices but only if you have been methodically planning this moment for months (and in some cases even years).

13.01.2022 The next prerequisite before you dip your toes in investing is to understand the financial risks you are currently exposed to. This doesn't mean you must have insurance before you start investing but what it does mean is that you have considered the impact and maybe even set cash aside which will forever remain uninvested as a form of "self insurance" In other words this is where you reach to if you ever need access to money without forcing a sale of your investments. This ne...eds to now be much larger than your emergency fund and in the early stages towards #financialindependenceretireearly you may need income protection, total and permanent disability insurance, trauma insurance and life insurance to plug these gaps in your finances. Once you are protected you are ready to start investing. If you have already started investing and don't have these protections in place you may need to unwind a few steps, rebuild the foundation and go again when you are more established. But buyer beware: most easily accessible insurances will most likely not be appropriate for your needs. Make sure you speak with a financial adviser (any adviser who specialises in insurance; it certainly doesn't just have to be me) to ensure you are accessing the right products for a competitive price. I am also happy to provide general advice in my DMs if you would like to find out more.

12.01.2022 For all my doomsday preppers out there who had their fully stocked emergency funds and bills buffers ... (firstly well done!) you may be looking at your bank account right about now and not like what you see. What used to be your big pile of savings has now become your tangible lifeline through the once in a hundred year pandemic! This is a good thing, although it hurts watching that number go down instead of up. Regardless of how much is left in your account, I want yo...u to start to become happy with your bank balance. I want you to own it and free yourself from any deals you've made with yourself. You know the ones, like "I'll never let it get below $X" or "if it gets below $X, we will get rid of Netflix" etc. The important part of this season (financially) is to survive until regular money can flow again. We need to be patient with ourselves, our friends and family and with our own bank account balance. The first step to recovery is in getting happy with where we are. See more

11.01.2022 Hey guys, I'm back. What did I miss? Nah, I have still be lurking in the shadows but finding enough hours in the day to produce content has been difficult. But one thing that I have been itching to jump on here during this time has been to always prioritise your goals. And by goals I mean things uniquely important to you and that if you asked your neighbour what is uniquely important to them they would say something different. Right? ... So paying down a mortgage for those in the #debtfreecommunity may seem like a common goal but for many others a home loan is seen as just something you have that will eventually pay itself off. For others regular holidays are incredibly important. To be really honest it can even get as detailed as wanting to always be able to afford organic vegetables. It's unique to you and that's the point. Many times we look at our peers for guidance on what to do with our money. But unless you have the same goals what works for them may not work for you, regardless of the numbers at play in the background. So before leaping into a new finance book, course or even updating the annual budget, take a good few days to a week to work out what your unique goals are. I'll provide more training on this in the coming days.

10.01.2022 Seriously, you have to do this ... ASAP. We all have one. The pesky "everyday" account that our pays goes into and random expenses come out of. We're possibly really diligent with our other buckets/accounts but this one is the danger zone. From this point forward, you need to make me a promise, okay? This account will be allocated whenever money lands in the account. Like, instantly. Please. HAHA. You definitely need to keep the account open as this account is usually the one... with the EFTPOS card attached. But when you're at the checkout or about to buy something online, that's when you move money in (exact amounts and/or slight rounding) and that's how you pay for stuff. The result? Your buckets get used properly for what they're designed for. And secondly (and possibly even more important) if your card details are ever compromised, there's no money in the account for identity thieves to steal. Because remember, there's only ever money in the account when you transfer it there in order to spend in that minute. In short, we're cutting off the blood supply to the everyday account! #letsdothis #debtfree #debtfreecommunity #livingdebtfree #debtfreemindset #frugality #frugal #mindfulness #intentionalspending #financialplanning #jakewilkins #ozdebtfree #ozdebtfreecommunity #daveramsey #scottpape #barefoot #barefootinvestor

10.01.2022 We often start a new year with good intentions, plans and goals, but without someone to lead or guide you, they often fall by the wayside. Just like a personal trainer can help you stick to your weight loss or body building plan, so can I assist with your financial goals. Give me a call now to chat about your situation.

10.01.2022 As part of increasing the education standards and professionalism of the financial planning industry, we are all required to sit and pass an exam that tests our knowledge across the new code of ethics, corporations act, privacy act, anti-money laundering counter terrorism finance act, tax legislation and stacks more... and it wasn't easy. My exam (which was meant to be resources-provided) had an error in the loading screen (online exam) and the reference materials only became... available right near the end of the exam when I was about to submit my answers. Craziness aside ... the results are in ... and I've passed!!! My wife (@lifewithbess) and I audibly cheered when we saw the result turn up on the screen. This was a crazily difficult exam but I am incredibly thankful for the process and the advancements it means for our industry as we journey to become a recognised profession.

10.01.2022 If you haven't noticed, I have been very quiet on this app lately. And its for good reason. It just wasn't the right time to talk about anything useful. When fear grips a country (and to be honest, the whole world) financial markets go into a state of high volatility. This means big highs and big lows and the only way to parallel this is to gambling: some see opportunity, some see losses. And it makes for some crazy swings and dips. For most people, this is unnerving. A...nd the only advice I can give to this group of people is to hang in and stay the course. But aside from the investments side of things, it just wasn't the right time to talk about the impact of families who have lost jobs, applied for JobSeeker, getting JobKeeper or working for reduced pay. I needed to wait and allow the financial impact hit home before I can counsel toward the way forward. What is encouraging is seeing families take this as an opportunity to really focus on their finances. When income reduces, we are forced to check in on our spending habits, reinforce our debt free journey and the importance of emergency funds and build those bills buffers of 20% when the income does return. My main message is to say everything is recoverable. We just needed time to let the dust settle first and now we can actually see where we need to be going. See more

09.01.2022 Book Recommendation for Self Isolation! One of my biggest a-ha moments came when reading The Four Tendencies by @gretchenrubin - her simple yet detailed approached literally made me more productive overnight. I identify with the Rebel. No matter how much I know a job needs to be done or how much someone pressures me to get a job done, the job only gets accomplished when it becomes something I feel like doing. For years that looked like laziness. But once I learnt all I needed... to do was reposition and reframe the task to something I wanted to do (or delgate it to someone who does enjoy it) the job actually gets done. And as someone who is self employed this means I can work a lot faster and a lot more efficiently while ensuring clients feel cared for throughout the process. My wife is an obliger. If someone external puts pressure on her, she will stay up til midnight to finish it. But if its something she wants to do, there's no guarantee it will get done. The questioner is the exacf opposite. And the upholder is the super human who can do whatever others ask of them and whatever they want to do for themselves. See the next slide. The cool part about this book is that it isnt an IQ test or a personality test but depicts your accountability tendencies. I reference this material in my budgeting course and highlight how each accountability style integrates with your relationship with money and achieving your goals. Hands up if you've read this book? Which tendency are you? @ Financial Planning Brisbane - Jake Wilkins

08.01.2022 Many things actually drive our expenditure. We choose to spend our money on things we value, need, prefer or consciously choose. For some it is clothes, for others it might be something as simple as taking that yearly vacation. Whether you are making financial decisions for yourself or your household, you might have to make some serious choices and adjustments regarding your financial freedom and situation.

08.01.2022 Do you ever feel that you do not have enough cash at the end of the month to pay bills and buy the necessities of life? Are you barely making a dent in your credit card debt balance, no matter how hard you try? My new course will get you on track. Let me know if you have any questions, or grab my course here --->>> https://jakewilkins.mykajabi.com/

07.01.2022 Life is full of decisions. This or that. Now or later. Add to cart! Often we trust our feelings, gut or instincts. What feels right must be right. Right? However our emotions are deceptively wicked. If we're walking down the confectionery isle while we are hungry we could easily purchase the entirety of isle 4 without batting an eyelid. Instead we need a system that helps us with the decision making process. We don't need a spending coach to follow us around and guilt us out ...of spending ... who wants that?! Instead we need a simple framework that we use to determine whether we can afford something. The most proven system that I've encountered (and teach) is the bucket budgeting method. Money lives in a variety of buckets (ie separate bank accounts) for their named and intended purpose. Let's pick on the food and fuel account. Its job is ... believe it or not ... to pay for food and fuel. But we cannot steal from the bills account or the emergency fund to buy groceries; that would be counter intuitive. So if there's not enough money in food and fuel then we put things back on the shelf at the store and only spend the money we planned to spend. Sounds super basic. And that's because it is! Haha. But now instead of looking at all our money and just buying all the feels, we walk into the shop knowing our upper limit .... pretending we don't have any other money in our world ... empowering you to make your own trade-off discussions. Basically, the question becomes what's more important this week and what can wait till next week? Bucket budgeting is the first step to making your money (and your life) much simpler. Believe me, it's a game changer. #ozdebtfreecommunity #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #intentionalliving #budgeting #budgettips #budgetingtips #jakewilkins #scottpape #barefootinvestor #daveramsey

07.01.2022 Many people just don't know how to gain control back. It takes a change in habits, but you generally need someone to teach you and guide you, so if you need some direction, please get in touch or check out my course at https://jakewilkins.mykajabi.com/

05.01.2022 Budgeting is not just about restricting spending and living a cheapskate life. It is about insights, wisdom, informed decisions, action and sustained discipline when it comes to your household financials.

05.01.2022 I was recently interviewed on XY Adviser, speaking to other advisers about cash flow and budgeting. Budgeting is an area that as an advice profession we are still growing in however these simple concepts are starting to gain real traction among professional advice givers. Here's the podcast here: http://co.xyadviser.com/xyyoutube195 ... Also as a reminder, the online budgeting course that I refer to is available for $47 at www.fpbrisbane.com.au/courses/

04.01.2022 Hope is far from lost. Your bank balance may be less than you had hoped for, but if you still have food, shelter and internet ... life is still worth the living. As with all things, we are going to need a plan to get from A to B. Take stock on where you are right now and realistically think about where you want to be when COVID finally goes away and we're all back at work and/or earning our full wage. Think around what your biggest concerns have been during this season ...and what actionable steps are required to better prepare yourself for next time. And finally, take a deep breath and find time for the things that matter the most to you. Hope is far from lost if you know where to look. See more

03.01.2022 Looking forward to joining the other panelists tonight as we present specifically towards Dentists and how they can best prepare financially with everything that's going on.

03.01.2022 It's weeks and months like these that I'm so thankful for technology. I have been really unwell and fluey lately but (when I have had enough voice) I have been keeping up by switching to Zoom meetings. No this isnt a plug but more to showcase how good online meetings are. I'm not sharing my germs with anyone. I'm not travelling to many people's homes (I have been to a few though I'll confess) and I'm able to still be somewhat productive. Yay for self employed life where the s...how must always go on! But on that note, this means I'm noy restricted to just Brisbane clients but clients can be anywhere. I have a few in Sydney, a couple in Perth, a few in regional Victoria, one in Tassie and a couple in regional QLD. So if you have been following me for a while but didnt know if i could help you if you were outside Bris, know that I can ... through Zoom meetings (Just select the correct time zone, i had a few mixups when daylight savings started where we confused the start time ... But that doesnt happen anymore). See more

02.01.2022 It is an extremely difficult world for financial advisers right now. So much so that stacks of advisers are leaving the industry altogether. Our regulator (ASIC) has started to make some moves in the right direction to allow financial advice to be a lot more affordable and personalised towards client goals and objectives ... Hallelujah! Here's a short quote from the article: "ASIC wants Australian consumers to have access affordable, quality personal financial advice that meets their needs. In light of this, ASIC is currently undertaking a project that is looking at unmet advice needs and how to address them https://www.moneymanagement.com.au//asic-hires-experts-hel

01.01.2022 I'll let you in on a little secret ... If you want to retire earlier than 60, you're going to need more than just your super to do so. And you're going to need a lot more than $1,000 per month of savings. To retire early, you need investments. And I mean shares, managed funds, ETFs, LICs, investment properties, etc. To rely purely on savings would imply you earn far too much for your standard of living. And, I don't know about you, but this is rarely the case (even without li...festyle creep). But investing is a confusing game. How much do you need to start? How do you know what to invest in? I'll give you this tip, if it's written in a book ... don't buy it. Seriously. Who is set to profit from a recommendation written down ... the author of course. So unless the investment strategy is uniquely tailored to your risk profile, your money goals and your investment timeframe then it's not worth doing at all. It's actually not a case of something is better than nothing because when you invest you can actually lose some or all of your money. Hello Mr Doom and Gloom! Haha. Before you invest you need a plan. You need a set of rules predetermined before you jump in. Because your strongest opponent is actually yourself. Your fears, your personal experience and let's be honest, your greed can influence your investing decisions if you don't control it by way of rules and procedure. Investing should be boring. Repetitive. Just following the bouncing ball to out-work the plan. Investing can still be fun. But when it turns into gambling, you know you've broken the rules and you are putting your retirement plans at risk for a cheap thrill. It's crazy how our minds can play tricks on us. We know the long term gain of staying the course, but we also love the stimulation of picking a winner and tracking our progress. Do you invest? What age are you "planning" on retiring? Have you even thought that far yet? Does your partner have different views to you? Let me know, below. #fire #firecommunity #fatfire #retire #debtfreecommunity #ozdebtfreecommunity #ozdebtfree #debtfree #debtfreejourney #ozdebtfreejourney #investing #property #lics #etfs #managedfunds #financialplan