Financial independence, the warm way

Not retired.
Just working optionally.

GLOW is a warmer way to financial independence — Australia's take on the FIRE movement, built around your life, not instead of it.

Grow assets · Limit lifestyle inflation · Optimise your structure · Work optionally

Find My GLOW Number What is GLOW?
Enough, not maximumGlow steadily. Glow long.

Work is not the enemy. Forced work is.

Enough beats maximum, every single time.

Glow steadily. Glow long.

The philosophy

Four steps. One direction. Your GLOW.

G
Grow Assets
Build your GLOW number

ETFs, index funds, super, property, salary invested early. Not frantic — consistent. Time in the market beats timing it.

 L
Limit Lifestyle Inflation
The habit that builds GLOW

When income rises, most people spend more. GLOW people send every raise, bonus and windfall to assets first.

 O
Optimise Structure
Your nest egg, tax & structure

Optimise your nest egg assets — super, shares and property as your circumstances allow — plus the tax and structure around them. Small edges compound over decades.

 W
Work Optionally
The payoff for G, L and O

The goal isn't zero work. It's zero obligatory work — only what you'd choose to do for free. Not retired. Just in control.
FIRE, the warm way

What is FIRE? It's what we do — we just call it GLOW.

FIRE — Financial Independence, Retire Early — is the global movement built on one engine: save hard, invest in low-cost index funds, and stop needing a salary at 25× your annual spending. GLOW is the Australian FIRE method: the same maths, rebuilt around super, the Age Pension and a life you enjoy the whole way there. Aussie FIRE, without the burnout.

Aussie FIRE, explained — and why we call it GLOW
Read & learn

Start with the essentials

All G L O W
W Work · Cornerstone · 10 min read

Aussie FIRE: Financial Independence, Retire Early in Australia — and Why We Call It GLOW

The FIRE movement, translated for Australia: what changes when you add super, Medicare and the Age Pension — and why the warmest version of financial independence has its own name here.

Read the guide →
O 9 min

The Age Pension Assets Test and Income Test, Explained (Australia)
O 7 min

The Age Pension and Super: How They Work Together in Retirement
O 8 min

Preservation Age: When Can You Access Your Super in Australia?
W 12 min

How to Retire Early in Australia: The Complete Guide
G 6 min

The Beginner’s Guide to Index Funds in Australia (2026)
L 7 min

Lifestyle Inflation: The Silent Killer of Financial Independence in Australia
Browse all articles
The GLOW Number

What's your GLOW number? Not your maximum. Your enough.

The 25× rule, explained simply for Australians: multiply your annual work-optional expenses by 25 and you have the portfolio that could cover them — indefinitely. It's the same maths behind FIRE and early retirement — aimed at enough, not maximum.

Calculate My GLOW Number

Sometimes called Aussie FIRE — here's why we call it GLOW →

Your situation
$30k$200k
2060
$0$1.5m
$0$10k
Your GLOW Number
years to work optional
the age you reach it
Assumes a 7% average annual return, contributions invested monthly. An estimate for education — not financial advice.
Real Australians

Not aspirational. Just honest.

Sarah, 34

Dave, 41

Priya, 38