31. FI case study: "Do I have enough to retire early?" Plus ETFs vs managed funds

This Aussie FIRE podcast episode analyzes a listener's early retirement plan, focusing on whether their $1.15 million in assets (superannuation and ETFs, plus a paid-off home) are sufficient for full retirement at age 45. The hosts discuss the listener's financial situation, considering expenses, portfolio performance, and the "one more year syndrome." They use a financial calculator to assess the feasibility of the plan, concluding that early retirement is likely achievable with a 99% success rate based on a $50,000 annual spending assumption and flexibility in expenses or part-time work. The podcast also addresses listener questions about ETFs versus managed funds and the viability of high-performing managed funds. The hosts emphasize the importance of understanding personal financial numbers and addressing psychological barriers to retirement.