In this episode Dave and Hayden explore two real-life case studies.First, they discuss whether a couple in their fifties truly needs 25 times their expenses to retire, unpacking how time horizon, risk and the Age Pension reshape the “magic number.”Then, they dive into a pay down the mortgage or invest in ETFs dilemma, weighing certainty versus growth, and the benefits of debt recycling.All round, this episode is a chat about tailoring financial independence to your stage of life, goals and mindset.FI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong Money Australia’s audiobookDisclaimerAny 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-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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