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§ Journey
Financial independence, properly. Maths, levers, no get-rich-quick.
Your FI number, savings rate, and time-to-freedom: the napkin maths behind retire-by-50, in Australian dollars.
Why Australian super beats almost every other vehicle, the caps you need to know, and when SMSF is worth it.
Why a 2-3 ETF portfolio beats most active funds, the AU/world split that works, and DCA discipline.
The Australian-context maths of financial independence. Your number. Your savings rate. Your time-to-FI. Why super beats almost everything for compound returns. The 2-3 ETF portfolio that wins. When property makes sense and when it doesn't. Trusts, debt recycling, and the structures that earn their complexity. The behavioural traps that derail most plans.