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Strong Money Podcast
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Strong Money Podcast

by Dave Gow

New55. The Sacrifice You Don’t Realise You're MakingNovember 13, 2026 · 14 min
Episodes
56
Released
every two weeks
Latest episode
Nov 13, 2026
WebsiteRSS feed

About the podcast

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 Australia

Book available on Amazon

Audiobook on Spotify and Audible

Hosted on Acast. See acast.com/privacy for more information.

Episodes 56

  1. 55. The Sacrifice You Don’t Realise You're Making

    14 min

    In this episode, I challenge the idea that reaching financial independence requires a lot of sacrifice. Sacrifice does not mean what most people think, and once you see it differently, everything gets easier. I …

    Show notes

    In this episode, I challenge the idea that reaching financial independence requires a lot of sacrifice. Sacrifice does not mean what most people think, and once you see it differently, everything gets easier. I also make the case that the person who thinks they’re avoiding sacrifice is actually making the biggest sacrifice of all - they just can't see 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


    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  2. 54. How to Never Run Out of Money in Retirement

    20 min

    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 …

    Show notes

    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


    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  3. 53. Why I Bought $100,000 of Bitcoin

    19 min

    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 …

    Show notes

    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


    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  4. 52. There’s No Such Thing As Fixed Expenses

    16 min

    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 …

    Show notes

    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


    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  5. 51. Lessons From Being 'Retired' in My 30s (Part 3)

    26 min

    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 …

    Show notes

    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



    🔗Resources & Links



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  6. 50. The Power Of Deliberate Spending

    16 min

    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 …

    Show notes

    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


    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  7. 49. How to Buy A Home Without Becoming A Mortgage Slave

    23 min

    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 …

    Show notes

    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




    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  8. 48. Is Financial Independence Immoral?

    21 min

    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 hereMy new book …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  9. 47. How to Get Through the ‘Boring’ Middle Part of the FI Journey

    16 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  10. 46. Relentless Saver Syndrome (And How to Overcome It)

    15 min

    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 …

    Show notes

    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




    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  11. 45. How to Become Recession-Proof

    16 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  12. 44. Equity Rich, Cashflow Poor

    16 min

    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 …

    Show notes

    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


    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  13. 43. How to Save Money on Car Ownership

    22 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  14. 42. How to Pivot Towards Freedom (Retirement Strategies)

    19 min

    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 …

    Show notes

    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


    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  15. 41. The Pareto Principle for Money, Life and FI

    14 min

    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 …

    Show notes

    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




    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  16. 40. How to Retire Mortgage Free (5 Strategies)

    17 min

    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 …

    Show notes

    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





    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  17. 39. How Will AI Affect Financial Independence?

    18 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  18. 38. The Power of Momentum on Your FI Journey (Beyond the Math)

    17 min

    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 …

    Show notes

    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




    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  19. 37. Saving or Investing - What Actually Makes You Rich?

    17 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  20. 36. Achievement vs Enjoyment After FI (how to have both)

    17 min

    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 …

    Show notes

    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




    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  21. 35. Semi-Retirement: Your Shortcut to Freedom

    14 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  22. 34. Business Principles For Your Personal Finances

    14 min

    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 …

    Show notes

    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



    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  23. 33. How to level up your finances and life in 2026

    17 min

    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 …

    Show notes

    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



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  24. 32. How to Actually Pull the Plug and Leave Work

    18 min

    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 …

    Show notes

    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.

    Strong Money Australia

    A simple, practical guide to financial independence for Aussies who want to fast-track their progress and build a strong foundation.




    🔗Resources & Links
    • Newsletter - I publish articles and thoughts on wealth, mindset and freedom every two weeks
    • Mortgage broker - My personal contact for all things home loans
    • Financial advice - An advisor I trust who can help with planning, retirement & strategy
    • Portfolio tracker - What I use to keep tabs on my dividends, franking, CGT and performance




    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  25. 31. The Lost Art of Moderation

    19 min

    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 …

    Show notes

    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


    P.S. I share practical thoughts on wealth and freedom every two weeks in my free newsletter. Join here if you’d like to get those.




    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  26. 30. Lessons from being 'retired' in my 30s (Part 2)

    27 min

    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 …

    Show notes

    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:



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




    🔗Resources & Links


    P.S. I share practical thoughts on wealth and freedom every two weeks in my free newsletter. Join here if you’d like to get those.




    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  27. 29. How to Guarantee You Beat Inflation and End Up Rich

    23 min

    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 …

    Show notes

    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


    P.S. I share practical thoughts on wealth and freedom every two weeks in my free newsletter. Join here if you’d like to get those.



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  28. 28. Why You Won't Be 'Priced Out' of the Housing Market

    19 min

    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 …

    Show notes

    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


    P.S. I share practical thoughts on wealth and freedom every two weeks in my free newsletter. Join here if you’d like to get those.




    🤝Connect with Dave

    Hosted on Acast. See acast.com/privacy for more information.

  29. 27. The Inconvenient Truth About ‘Cost of Living’

    24 min

    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 …

    Show notes

    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


    P.S. I share practical thoughts on wealth and freedom every two weeks in my free newsletter. Join here if you’d like to get those.



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

  30. 26. Making Big Money From Little Changes (Part 3)

    25 min

    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 …

    Show notes

    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


    P.S. I share practical thoughts on wealth and freedom every two weeks in my free newsletter. Join here if you’d like to get those.



    🤝Connect with Dave


    Hosted on Acast. See acast.com/privacy for more information.

These are the latest 40 of 56 episodes. You’ll find older episodes in the podcast’s feed.

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