Strong Money Podcast

40 Episodes
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By: Dave Gow

Welcome to the Strong Money Podcast.Hosted by Dave from Strong Money Australia, this show dives into the principles, mindset, and decisions that turn financial independence into a reality.Tune in to learn how you can build a freedom-focused lifestyle—where work is optional, and enjoyment is mandatory.Whether you’re already on your journey or just starting out, you’ll gain practical insights and inspiration to help you build financial strength, break free from the grind, and create a life with more meaning and freedom.Website: Strong Money AustraliaBook available on AmazonAudiobook on Spotify and Audible Hosted on Acast. See ac...

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54. How to Never Run Out of Money in Retirement
54. How to Never Run Out of Money in Retirement episode artwork
Yesterday at 7:00 PM

In this episode, I explain why the biggest thing that everyone worries about - running out of money - is really quite overblown. I go through a whole bunch of ideas and strategies you can use to make sure that never happens, and it’s actually easier than you think.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible


🔗Resources & Links

My book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publi...


53. Why I Bought $100,000 of Bitcoin
53. Why I Bought $100,000 of Bitcoin episode artwork
10/16/2026

In this episode, I walk through how I came to the conclusion that it made sense to allocate $100,000 to Bitcoin. I’ll explain where my thinking has changed from before (as well as what's still the same), how I went about it, and why it aligns with my thinking in recent years.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible


🔗Resources & Links

My book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I p...


52. There’s No Such Thing As Fixed Expenses
52. There’s No Such Thing As Fixed Expenses episode artwork
10/02/2026

In this episode, I pull apart one of the most common finance assumptions out there - the idea of "fixed costs" - because I reckon it's a sneaky lie that ends up leading people to believe FI is harder than it really is.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible


🔗Resources & Links

My book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and...


51. Lessons From Being 'Retired' in My 30s (Part 3)
51. Lessons From Being 'Retired' in My 30s (Part 3) episode artwork
09/18/2026

In this episode, I share a few more lessons and reflections from having freedom in my 30s.  Hopefully it gives you a feel for what this kind of life is like - at least what it’s been like for me.  And importantly, the fact that these were all lessons and realisations for me points out you just can’t know what you’re going to learn on the other side until you do it.


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible



<...


50. The Power Of Deliberate Spending
50. The Power Of Deliberate Spending episode artwork
09/04/2026

In this episode, I talk about Deliberate Spending. It’s a strategy for using your money in such a way where you don’t worry about rules to follow. Instead, you become more intentional where every dollar goes so it lines up with what you really care about. I also settle an argument which the personal finance world has been debating forever.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible


🔗Resources & Links

My b...


49. How to Buy A Home Without Becoming A Mortgage Slave
49. How to Buy A Home Without Becoming A Mortgage Slave episode artwork
08/21/2026

In this episode, I'm pushing back on the doomer narrative that home ownership is basically impossible in Australia. I firmly believe it’s a game you can still win, but not by doing what everyone else does. 


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible




🔗Resources & Links

My book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every t...


48. Is Financial Independence Immoral?
48. Is Financial Independence Immoral? episode artwork
08/07/2026

Are we wrong to want freedom? Is the FIRE movement bad for society? Are we just being selfish? What about the bigger picture? That’s what we’ll unpack in today’s episode.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible



🔗Resources & Links

My book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every two weeksFinancial advice - An advisor I trust wh...


47. How to Get Through the ‘Boring’ Middle Part of the FI Journey
47. How to Get Through the ‘Boring’ Middle Part of the FI Journey episode artwork
07/24/2026

In this episode, we're tackling the boring middle part of the FI journey. That long stretch of time where you're doing everything right and just waiting for the finish line. I'll go through the four ways you can handle it, and the one I wish I'd paid more attention to.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible



🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I...


46. Relentless Saver Syndrome (And How to Overcome It)
46. Relentless Saver Syndrome (And How to Overcome It) episode artwork
07/10/2026

In this episode,I unpack a behaviour trap I see in the FI community. Being so good at saving you can’t turn it off. I discuss how it works, why it happens, and how to overcome it so you can enjoy the life you’ve always wanted.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible




🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & Audible...


45. How to Become Recession-Proof
45. How to Become Recession-Proof episode artwork
06/26/2026

In this episode, I share the story of getting fired when I was 19 and why I wasn't worried. I also talk about investing during the worst days of the COVID crash, and how to put yourself in the small group of people that not only handles a recession just fine, but actually benefits from it. 


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible



🔗Resources & Links

My best-selling book: Strong Money Aust...


44. Equity Rich, Cashflow Poor
44. Equity Rich, Cashflow Poor episode artwork
06/12/2026

In this episode, I'm revisiting one of my most popular articles, updating the numbers for 2026. I’ll explain how I’ve lived this lesson out in real life and why the principle is more powerful now, eight years since I first wrote about it.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible


🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth...


43. How to Save Money on Car Ownership
43. How to Save Money on Car Ownership episode artwork
05/29/2026

In this episode, I break down the true cost of car ownership. I’ll introduce a concept I call the car mortgage that I think is certifiably insane, and walk through how to keep car costs in check without giving up the benefits.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible



🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealt...


42. How to Pivot Towards Freedom (Retirement Strategies)
42. How to Pivot Towards Freedom (Retirement Strategies) episode artwork
05/15/2026

In this episode, I map out all the different ways you can transition away from full-time work once you’re in a strong financial position. Plus a couple of useful ways to rethink your FI number that might mean you’re closer to freedom than you think.


Read the article version here


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible


🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and tho...


41. The Pareto Principle for Money, Life and FI
41. The Pareto Principle for Money, Life and FI episode artwork
05/01/2026

In this episode, I'm unpacking the Pareto Principle, also known as the 80/20 rule, and how it applies to money, but also to life more broadly. We’ll look at how focusing on a small number of factors can help you make faster progress with less effort - and what exactly you should focus on.


Read the article version here.


My new book 'You've Got Money, Now What?' is now available on Amazon. Audiobook on Spotify and Audible.




🔗Resources & Links

My best-selling book: Stron...


40. How to Retire Mortgage Free (5 Strategies)
40. How to Retire Mortgage Free (5 Strategies) episode artwork
04/17/2026

In this episode, I walk through five different ways to end up with a paid-off home by the time you’re ready to retire. I explain the cashflow tradeoffs between each option - including a weird middle ground most people don’t think about.


Read the article version here. And here's the Portfolio Update I mentioned.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.





🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publi...


39. How Will AI Affect Financial Independence?
39. How Will AI Affect Financial Independence? episode artwork
04/03/2026

In this episode, I share my thoughts on what impacts AI could have on the idea of financial independence. We'll discuss the changing job environment, living costs, and how different investments might perform in an AI-dominated world.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.



🔗Resources & Links

My best-selling book: Strong Money Australia | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every two weeksFinancial advice - An advisor I trust who can help with planning, retirement & strategyMortgage bro...


38. The Power of Momentum on Your FI Journey (Beyond the Math)
38. The Power of Momentum on Your FI Journey (Beyond the Math) episode artwork
03/20/2026

In this episode, I break down how momentum works outside the numbers, and why it’s so powerful on your FI journey. We’ll talk about identity, self-reinforcing loops, and creating behavioural shifts that propel you towards freedom.


Read the article version here. And the Mark Manson clip I mentioned is here.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.



🔗Resources & Links

My best-selling book 'Strong Money Australia' | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and free...


37. Saving or Investing - What Actually Makes You Rich?
37. Saving or Investing - What Actually Makes You Rich? episode artwork
03/06/2026

In this episode, I’m unpacking an often debated topic - is it more important to focus on saving or investing? More importantly, which one will actually move you towards freedom the fastest - and at which times is one more important than the other?


Read the article version here. And the reader interview I mentioned is here.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.




🔗Resources & Links

My best-selling book 'Strong Money Australia' | Audiobook on Spotify & AudibleNewsletter - I pu...


36. Achievement vs Enjoyment After FI (how to have both)
36. Achievement vs Enjoyment After FI (how to have both) episode artwork
02/20/2026

In this episode, I dig into the tension between achievement and enjoyment, why it’s hard to slow down after reaching a big goal like FI, and how to shift out of constant “goal mode” so you can actually enjoy the freedom you’ve built.


Read the article version here.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.



🔗Resources & Links

My best-selling book 'Strong Money Australia' | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every two we...


35. Semi-Retirement: Your Shortcut to Freedom
35. Semi-Retirement: Your Shortcut to Freedom episode artwork
02/06/2026

In this episode, I break down why semi-retirement can be an excellent alternative strategy for freedom. I explore a concept called the 50% rule, a framework for thinking about luxuries, and how to make sure you still reach full FI even if you semi-retire.


Read the article version here.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.



🔗Resources & Links

My best-selling book 'Strong Money Australia' | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every two wee...


34. Business Principles For Your Personal Finances
34. Business Principles For Your Personal Finances episode artwork
01/23/2026

In this episode, I share 7 business principles you can apply to your finances, so you can run your life like a well-managed company, and move towards financial independence with more ease and less stress.


Read the article version here.


**My new book is now available on Amazon. Audiobook on Spotify and Audible.



🔗Resources & Links

My best-selling book 'Strong Money Australia' | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every two weeksMortgage broker - My personal contact for all things hom...


33. How to level up your finances and life in 2026
33. How to level up your finances and life in 2026 episode artwork
01/09/2026

In this episode, I walk you through a simple but powerful reset to start the year. How to upgrade your mindset, your money, and your lifestyle in such a way that you don't fall off after 3 weeks.


You can read the original article version here.


**My new book is now available on Amazon. Audiobook on Spotify.



🔗Resources & Links

My best-selling book 'Strong Money Australia' on Amazon | Audiobook on Spotify & AudibleNewsletter - I publish articles and thoughts on wealth, mindset and freedom every two weeksMortgage broker - My...


32. How to Actually Pull the Plug and Leave Work
32. How to Actually Pull the Plug and Leave Work episode artwork
12/26/2025

In this episode, I break down some of the common fears around leaving work, and I give you some practical guidelines to follow so you can confidently (and safely) step into freedom.


You can read the original article version here.



📚 My books


You’ve Got Money… Now What?

For those who’ve built a solid financial base and are wondering whether they can work less, semi-retire, and design a life with more freedom and meaning.

👉 Paperback & ebook on Amazon 👉 Audiobook on Spotify | Apple | Audible...


31. The Lost Art of Moderation
31. The Lost Art of Moderation episode artwork
12/12/2025

In this episode, I unpack the underrated power of moderation - and why it might be the single most valuable skill for building wealth and freedom.


You can read the original article version here.



**My new book is now available on Amazon. Audiobook on Spotify**




🔗Resources & Links

My best-selling book 'Strong Money Australia' on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loansFinancial advice - An advisor I trust who can help with planning, retirement & str...


30. Lessons from being 'retired' in my 30s (Part 2)
30. Lessons from being 'retired' in my 30s (Part 2) episode artwork
11/28/2025

In this episode, I share a few more lessons and reflections from having freedom in my 30s. 


Not everyone gets this type of experience, and it has led to some interesting observations. I hope it gives you an idea of what to expect as you work towards your own version of a freedom-based lifestyle.


This podcast was adapted from the following articles:

Looking Back on Two Years of FreedomReflections on Three Years of Freedom



**My new book is now available on Amazon. Audiobook on Spotify**


...


29. How to Guarantee You Beat Inflation and End Up Rich
29. How to Guarantee You Beat Inflation and End Up Rich episode artwork
11/14/2025

In this episode, I break down how to guarantee you beat inflation and 5 different strategies to position yourself to ensure you always come out ahead.


You can also read the original article that inspired this podcast here.



🔗Resources & Links

My book on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loans.Financial advice - An advisor I trust who can help with planning, retirement & strategy


P.S. I share practical thoughts on wealth and freedom every two weeks in my fre...


28. Why You Won't Be 'Priced Out' of the Housing Market
28. Why You Won't Be 'Priced Out' of the Housing Market episode artwork
10/31/2025

In this episode, I explain why as long as you’re half decent with money, you are NOT going to be priced out of the housing market - despite what the media is telling you.


And yes, even if you rent for a long time, and even if property prices keep going up.


You can also read the article version here.



🔗Resources & Links

My book on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loans.Financial advice - An advisor I trust...


27. The Inconvenient Truth About ‘Cost of Living’
27. The Inconvenient Truth About ‘Cost of Living’ episode artwork
10/17/2025

In this episode, I'm sharing a viewpoint that might make you uncomfortable.


Despite all the talk about cost of living, Australians today have roughly double the purchasing power we had 60 years ago. So if that's true, why is everyone struggling to get ahead?


You can read the article version here.



🔗Resources & Links

My book on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loans.Financial advice - An advisor I trust who can help with planning, retirement & strategy


P...


26. Making Big Money From Little Changes (Part 3)
26. Making Big Money From Little Changes (Part 3) episode artwork
10/03/2025

In this episode, we're covering four more strategies that could be worth roughly $1 million dollars over 20 years.


Some of these go against conventional wisdom, and they're all surprisingly simple to implement.


You can read the article version here.



🔗Resources & Links

My book on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loans.Financial advice - An advisor I trust who can help with planning, retirement & strategy


P.S. I share practical thoughts on wealth and freedom every two...


25. Earning More vs Spending Less
25. Earning More vs Spending Less episode artwork
09/19/2025

In this episode, I'm diving into one of the biggest debates in personal finance: should you focus on earning more money or spending less? Both sides have compelling arguments, so I'll walk you through the merits of both strategies, what we can learn from each, and explain how I think about it.


You can read the article version of this podcast here.



🔗Resources & Links

My book on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loans.Financial advice - An advisor I trust who can...


24. What If Everyone Pursued Financial Independence?
24. What If Everyone Pursued Financial Independence? episode artwork
09/05/2025

In this episode, I'm tackling one of the biggest objections to the FIRE movement: what if everyone did this? What if everyone became frugal, retired early, and stopped working? Wouldn't the whole system collapse? Let's dive into why this concern, while understandable, isn't something we need to worry about.


You can read the article version of this podcast here.



🔗Resources & Links

My book on AmazonAudiobook on Spotify & AudibleMortgage broker - My personal contact for all things home loans.Financial advice - An advisor I trust who can help with pla...


23. How I'd Reach Financial Independence Starting Today
23. How I'd Reach Financial Independence Starting Today episode artwork
08/22/2025

In this episode, I'm answering one of the more common questions I get: could I actually repeat what I've done if I started from scratch right now?  So we’ll run the numbers, and I’ll share what I’d do if I woke up tomorrow with no savings, and had to build financial independence all over again.


Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast - cheers!


You can read the article...


22. Getting Your Spouse On Board with FIRE
22. Getting Your Spouse On Board with FIRE episode artwork
08/08/2025

In this episode, we're tackling what might be the trickiest part of pursuing FIRE - getting your spouse on board when they don’t seem interested. We'll cover what works, what definitely doesn't work, and how to find middle ground without destroying your relationship or your finances


Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast - cheers!


You can read an article version of this podcast here.



...


21. Rent vs Buy - Your Complete Guide to Making the Best Choice
21. Rent vs Buy - Your Complete Guide to Making the Best Choice episode artwork
07/25/2025

In this episode, I look at renting vs buying through the lens of financial independence. I break down the true costs and long term outcomes of both strategies, and offer a framework for helping you figure out which one is the best choice for you.


Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast - cheers!


You can read an article version of this podcast here.




<...


20. Making Big Money From Little Changes (Part 2)
20. Making Big Money From Little Changes (Part 2) episode artwork
07/11/2025

In this episode, we’re diving into some simple but powerful ways you can make big strides toward financial independence… all by making some relatively small tweaks in your finances and your lifestyle.


Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast - cheers!


You can read an article version of this podcast here.



🔗Resources & Links

My book on Amazon Audiobook on Spotify & AudibleMortgage broker - My pers...


19. The FIRE Mindset: A Life-Changing Philosophy
19. The FIRE Mindset: A Life-Changing Philosophy episode artwork
06/27/2025

In this episode, we unpack what I call the FIRE mindset. 


I break down the key differences between how most people think about money and how the FIRE community thinks — plus, I flip an old saying on its head, which has the power to completely change how you view your finances.


Read the article version of this episode here.


Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast — cheers!



18. Turn Your Income into Effortless Wealth
18. Turn Your Income into Effortless Wealth episode artwork
06/13/2025

In this episode, we break down how to make saving, investing, and even paying off your mortgage effortless.


We’ll explore five powerful automation strategies—plus, if you prefer full control over your money, we’ll cover key concepts you should still be applying.


💬 Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast — cheers!




🔗 Resources & Links

✍️ Article version of this podcast📚 My book on Amazon — the full...


17. Die With Zero: Key Takeaways for the FIRE Community
17. Die With Zero: Key Takeaways for the FIRE Community episode artwork
05/30/2025

In this episode, I share my takeaways from the book Die With Zero — one of the most talked-about finance books of the last decade.


We’ll go through the key concepts from the book and explore how they apply (or don’t apply) to those of us on the FIRE path.


💬 Enjoying the show? The best way to support it is by sharing it with others or leaving a quick rating or review. It helps more people discover the podcast — cheers!



🔗 Resources & Links

✍️ Original article version📚 My book on Amazon — t...


16. How Consumerism Turned Us Into Money-Spending Slaves
16. How Consumerism Turned Us Into Money-Spending Slaves episode artwork
05/16/2025

In this episode, we break down the evolution of consumerism, and how it’s changed and adapted over time. 


I’ll explain why it keeps people stuck, constantly searching for satisfaction and happiness in the wrong places, and I’ll share how to break free from this cycle so you can fast-track your path to wealth and freedom.


💬 If you enjoy the show, the best way to support it is by sharing it or leaving a quick rating or review. It helps more people discover the podcast!


🔗 Resources & Links

✍️...


15. How to Become Rich and Happy (In One Podcast)
15. How to Become Rich and Happy (In One Podcast) episode artwork
05/02/2025

In this episode, we explore how to achieve both wealth and happiness. I’ll discuss why they’re interconnected, and how focusing on one can actually help you achieve the other. It’s all about creating a life where you have both, rather than maximising just one.


Resources:

Article version of this podcast here

Website: Strong Money Australia

Join the free Financial Independence newsletter

My book on Amazon

Audiobook on Spotify and Audible


Connect with Dave:

Facebook

Instagram

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