After 20 years advising Australians, here's what I actually believe about money.
Build enough that work becomes a choice — and live well the whole way there. That's GLOW.
For more than two decades I sat across the table from Australians planning their money. Doctors, teachers, tradies, executives. And I noticed something the industry rarely admits: the number on the spreadsheet was almost never the thing that made people feel free. What changed lives was reaching the point where work became a choice.
That's the whole idea behind GLOW. Accumulate enough that work becomes a choice, not a survival mechanism — and build it in a way that lets you live well the entire way there. No deprivation, no white-knuckling toward a far-off finish line.
It comes down to four things, done consistently over time: grow your assets, limit lifestyle inflation, optimise your tax and super structure, and — eventually — work only on your own terms.
If you've arrived here from the FIRE movement, you'll recognise the engine — the savings rate, the index funds, the 25× target. GLOW keeps the maths and changes the fuel.
A glow is warm, steady, and lasts a lifetime — and that's exactly how good money should feel. This is the version of financial independence I actually believe in, and after 20 years, the one I've watched work.
"You don't have to hate your job to want GLOW. You just have to want the choice."
Four pillars. One warm direction.
Five things we hold to be true
We want every Australian to reach work optional — long before they feel they have to retire.
Ready to find your enough?
Start with your GLOW number, then join The Weekly Glow for one strategy, one story, one number every week.