Anthony Nguyen spent around a decade building towards financial independence. But when he got close to his target, he did something many people struggle to imagine: he stopped early.After years in commercial banking, Anthony took a career break, stepped away from the corporate world, and discovered that financial independence wasn't really about doing nothing. It was about creating the freedom to do more meaningful work, build stronger relationships and design life on his own terms.In this episode we'll discuss:💸 How Anthony went from feeling the Sunday scaries in commercial banking to Googling "how do I not work forever?" and discovering the FIRE movement💸 Why he moved away from individual shares and towards ETFs after learning some painful early investing lessons💸 Why property investing never appealed to him, despite growing up in Sydney surrounded by the belief that property should be the default path💸 Renting forever by choice: how minimalism, travel and geographic freedom shaped Anthony's view of housing💸 The 50% savings rate he adopted early in his career, and how salary increases went straight into investments instead of lifestyle upgrades💸 Why Anthony didn't wait until reaching 25 times his annual expenses before stepping away from work💸 The impact of Die With Zero, and why good health, time and financial stability pushed him to bring his plans forward💸 Why the first year of freedom wasn't simply endless travel, cycling and hobbies — and how boredom and isolation forced him to rethink what a good life actually looked like💸 Anthony's version of a perfect day: meaningful work, meaningful relationships and some form of physical activity💸 Why FIRE didn't remove work from his life — it helped him discover work he actually wanted to do💸 Going from full-time banking to no work, then part-time work, freelancing and eventually creating content and building a cycling community💸 The loneliness nobody talks about after leaving a 9-to-5, and why Anthony had to deliberately rebuild social connection and routine💸 His current portfolio approach, with most of his net worth in ETFs and smaller allocations to individual shares and crypto💸 Why he no longer treats the 4% rule as a hard target, and how even modest income from meaningful work can change the maths dramatically💸 The psychological shift that comes from earning your first dollar outside a salary — and why Anthony believes people often underestimate their ability to earn again after leaving corporate life💸 Why he's now giving himself permission to spend more, rather than automatically investing every spare dollar💸 Anthony's question for keeping lifestyle creep in check: "What is my enough?"💸 His practical suggestion for anyone getting close to FI but unsure about quitting: check whether your employer offers a career break and test the lifestyle before making the leap permanentThe thread through all of it: financial independence can solve the money problem, but it doesn't automatically solve questions around purpose, identity, relationships or how to spend your time.For Anthony, stepping away from corporate life wasn't the end goal. It gave him the space to work out what he actually wanted his life to look like.Questions, disagreements or your own scenario: [email protected] or reach out on socials at Strong Money Australia and Pearler.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimer:Any 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-guide Hosted on Acast. See acast.com/privacy for more information.

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