46. Q&A: Employee share schemes, LICs, and mental account...

What this episode covers

In this Q&A episode, Dave and Hayden unpack three listener questions:Should you hold or sell employee share scheme stock?Are LICs still a smart choice, or have ETFs taken over?How mental accounting tricks us into bad money decisions.Timecodes:(00:00) Intro(02:30) Employee Share Schemes(07:06) Tax & Concentration Risk(09:37) The “Would You Invest Cash?” Test(13:09) FOMO & Mental Accounting(18:10) LICs vs ETFs(34:07) Mental Accounting & Debt Recycling(42:40) Everyday Money Mind Games(48:27) Hayden’s Investing Slip-Up(54:48) Wrap-UpFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong Money Australia’s audiobookDisclaimerAny 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-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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Frequently Asked Questions

How long is this episode of Aussie FIRE | Financial Independence Retire Early?

This episode is 57 minutes long.

When was this Aussie FIRE | Financial Independence Retire Early episode published?

This episode was published on August 29, 2025.

What is this episode about?

In this Q&A episode, Dave and Hayden unpack three listener questions:Should you hold or sell employee share scheme stock?Are LICs still a smart choice, or have ETFs taken over?How mental accounting tricks us into bad money...

Can I download this Aussie FIRE | Financial Independence Retire Early episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.