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Australian Budget 2026 - Leave Things As They Are But Focus on Dividends Going Forward

In a previous post on the Australian Budget 2026, I spoke about how new tax laws that increase capital gains tax (CGT) will negatively affect growth stocks, so I was thinking of selling all growth stocks and putting the proceeds into dividend stocks. However, two months later, after some time to think about it, I have decided against this. My plan now is to leave the growth assets as is but…

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#Australianbudget2026 #BHP #budget2026 #cashflow #CGT #dividend irrelevant hypothesis #dividends #epistemichumility #FMG #frankingcredits #IHD #margin loan #NAB EB #NDQ #negativegearing #SYI #taxlossharvesting #YMAX

Australian Federal Budget 2026 - Why Living Off (Franked) Dividends is Now the Best Option

The Australian Federal Budget 2026 was announced a few days ago. It was quite shocking. There were rumours that there would be big changes but I didn’t expect they would be this big. For those who don’t follow the news and want a quick summary, see the YouTube video below: One of the major changes concerns negative gearing. You will no longer be able to negatively gear a property like you used…

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#1 July 2027 #Albo #budget #CGT #crypto #dividends #federal budget #franking credits #housing unaffordability #HYLD #IHD #Jim Chalmers #minimum 30% CGT #negative gearing #PPOR maxing #property #superannuation #SYI #VHY

The Real AI Threat Isn’t Killer Robots – It’s Making Us Redundant

I’ve watched a video by Retire and Go about the threat of AI and its ability to replace jobs. According to Retire and Go, because of how quickly AI is replacing jobs, there is renewed urgency to live off dividends. I’ve heard many say that AI is a bubble that will soon pop, but from what I have seen, AI seems to be slowly integrating into many parts of our lives. Even something as basic as a…

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#AI #AI intimacy #dividends #ETFs #minimalism #Pattaya #retireandgo #thailand #UBI #workshop

What to Consider Before Booking a One-Way Ticket to Thailand

During my travels, one of my favourite places is definitely Chiang Mai, Thailand. I love how peaceful it is there. It is very different compared to huge cities like Bangkok. I also admired the traditional Lanna culture. This includes the temples there. The cost of living in Chiang Mai is also very cheap. I found I was able to find hotels to stay there ranging from A$30 to A$50 per night. Other…

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#Chiang Mai #children #cost of living #ETFs #flexibility #frugality #hyperautonomy #low obligations #mid-twentieth century model #minimalism #mobility #nomadism #precarity #settling down #thailand #walk-about Wayne #YouTube

The Investment Connoisseur

Something I have noticed in my forties is that investing has become a routine. I suspect that happens to many people over time. Once they have a routine happening, they stick to it. In my 2021 post Returning to Living Off Dividends, I spoke about how, approximately in 2019, I almost lost faith in dividend investing thanks to poor results, and instead I pivoted to growth-oriented strategies such…

#connoisseur #consumerism #core-satellite #crypto #ETFs #food #forced savings #IHD #SYI #Travel #UMAX

Japan's Economy and Lessons for Future Generations

I am in my early forties now and, with a net worth approaching A$3 million, I feel I am ready to retire. I also mostly live a minimalist life. I have no house, no mortgage, and no family. Based on travel, I feel that it is possible to live in hotels in Southeast Asia for about A$36,000 per year, so even if I were to live off dividends in Southeast Asian hotels, I would be spending about 2% of my…

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#cubicles #dividers #high dividend ETFs #HJPN #house hacking #housing unaffordability #informaldensity #Japan #Japanification #living off dividends #minimalism #Nikkei #nimbyism #satori #solo travel #tang ping #temporal extraction #Travel #Vietnam

Lessons Learned from Dividend Investing with HVST

Back in 2017, I recall being bullish on the Betashares Australian Dividend Harvester Fund (HVST), so much so that I had amassed a little over $100,000 in the ETF. One of the major attractions of this ETF was its high monthly distributions, paying every month and providing a distribution yield of about 8 per cent annually. My bullishness on this ETF really highlighted how serious I was back then…

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#betashares #crypto #debt #dividends #EBND #ETFs #GDX #HVST #IHD #NAB EB #PMGOLD #SYI #UMAX #YMAX

Retire and Go: The Geoarbitraging Minimalist Southeast Asia Slow Travel Lifestyle

I’d like to highlight a YouTube channel that I have discovered and have been watching recently called Retire and Go. Retire and Go is a YouTube channel created by an American named Chris. In the videos he describes how he has retired and lives off dividends in Southeast Asia. Below is a great video where Chris discusses how he was offered a job in the US paying $70,000 USD. After taxes,…

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Christmas 2025 and How You Can Use the Body Mass Index (BMI) to Measure Financial Success

It is another Christmas again and it is a reflective time of the year. In the lead up to Christmas, I was invited to some Christmas gatherings and engaged in small talk with various people. It’s interesting to hear about people in different life situations: some were going through divorce, some living with parents to save up, others juggling various expenses and responsibilities. Everyone has…

#Ben Felix #bitcoin #BMI #body mass index #christmas #crypto #financial independence #liquidity #millionaire #multimillionaire #net worth #net worth to annual expenses ratio #NWAE #xmas

Covered Call ETFs as Defensive Assets

Back in May 2023, I spoke about three new covered call ETFs released on the ASX by Global X (AYLD, UYLD, and QYLD). In my opinion, as someone gets older, their should transition their portfolio towards income-producing assets, and high dividend ETFs are a great way to easily gain exposure to high dividend ETFs. One type of high dividend ETF that tends to generate very high income yield is covered…

#betashares #covered call ETFs #EBND #ETFs #IHD #Nasdaq 100 #NDQ #passive income #PMGOLD #QMAX #QYLD #S&P500 #safe havens #SYI #TBIL

I am a Multimillionaire Again

I use Google Sheets to track my net worth in real time. This means that at any moment I am able to see what my net worth is. Google Sheets has a GOOGLEFINANCE function that allows you to track the prices of certain assets such as ETFs, shares or crypto. The net worth update is not perfectly accurate because I need to manually update my margin loan debt as well as how much I have in certain bank…

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#anchoring bias #anchoring effect #covered call ETFs #crypto #Die a Millionaire #Die With Zero #ETFs #freedom #geoarbitrage #Google Sheets #IHD #multimillionaire #net worth #SYI #Travel #UMAX

My New Year's Resolutions for 2024

It’s almost the end of 2023 and I am thinking about the year that has passed and what awaits for 2024. Financially, 2023 has been a good year thanks to a rebound in the stock and crypto markets. My net worth (including superannuation) at the start of the year was $1.47 million and today it is $1.73 million, which is a net worth increase of $260k for the year. Note that at the start of 2022 my…

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#bad neighbourhoods #covered call ETFs #doomscrolling #net worth #new year #one more year syndrome #peter wessel zapffe #reverse dollar cost averaging #slow travel #Travel

How to Resist Black Friday

I am starting to get many e-mails about Black Friday. There are many discounts on products on offer. Many people have been asking me if I have gone shopping to get discounts and generally I haven’t purchased anything because of Black Friday. I have written about this many times before but I believe that someone is much more likely to spend less if, instead of focusing on discounts, they instead…

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#barriers to spending #Black Friday #discounts #frugality #lipstick effect #razor and blades #shopping

Covered Call ETFs on the ASX

Global X has recently issued three covered call ETFs on the ASX: S&P/ASX 200 Covered Call ETF (AYLD) S&P 500 Covered Call ETF (UYLD) Nasdaq 100 Covered Call ETF (QYLD) The US has for a long time been spoilt with choice when it comes to ETFs and especially income-focused ETFs. To appreciate how much choice Americans have on covered call ETFs, you only need to look at the Global X US website to…

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#AYLD #betashares #covered call #covered call ETFs #Global X #QMAX #QYLD #qyldgang #UMAX #UYLD #XYLD #YMAX

Is Now the Time to Buy Crypto?

To be fully transparent, my crypto portfolio is down 83% from all time highs. My overall net worth is down 40% from all time highs. However, I started seriously investing in crypto in 2018 and my crypto portfolio is up about 700% from then. Now that 2022 is coming to an end, I have found that this year is the first year when my net worth has declined. In fact, from the start of this year to…

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#anchoring #BCH #betashares #bitcoin #CAKE #CRYP #crypto #dogecoin #ethereum #FTX #gold #Ledger #Mt Gox #PancakeSwap #PMGOLD #proof of stake #proof of work #roger ver #Russia #self-custody #staking #Ukraine

Are Discounts and Sales Worth It?

During the Christmas and New Year holiday period, there would be many retailers offering discounts, and on the surface it makes sense to buy something when it is discounted. However, there are many times when I go into the shop with the intention to buy something and end up buying something else as well because it is discounted. Discounts create a sense of urgency and exploit FOMO. This is…

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#christmas #consumerism #deliberate ignorance #discounts #FOMO #frugality #holidays #new year #overconsumption #sales #xmas

The Formula for Working Out if You Should Buy an Electric Car

I have created what I think is a formula for working out if it makes economic sense to buy an electric vehicle. You can find it below: I shared this formula on Reddit and mixed reviews. Some people raised very good points that I have missed in the formula, but I think overall the formula above is useful to know whether it makes sense financially to purchase an EV or not. Explanation of the…

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#DHHF #environment #EV #MG #Reddit #Tesla #VDHG

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