What happens if the market crashes as soon as you hit FIRE? In this episode, Hayden and Dave get into one of the most practical and underrated challenges of early retirement: actually living off your portfolio when things get rocky.

They cover:

👉 The stage of retirement where you're most at risk from market volatility

👉 The psychological shift from receiving a paycheck to relying on a portfolio, and why it's harder than it sounds

👉 Why having a backup plan before you need one changes everything

👉 Cash buffers, flexible income and expense levers you can pull without selling assets at the wrong time

👉 How debt, home equity and diversification fit into a drawdown strategy

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Disclaimer

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

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70. Living off your portfolio during a market downturn

Aussie FIRE | Financial Independence Retire Early

70. Living off your portfolio during a market downturn