Retire Early. Live Fully. Take Control of Your Financial Future.
The Retire Early Plan – Your Path to Financial Freedom
Imagine waking each morning with the freedom to choose how you spend your day—free from financial pressure, workplace obligations, or uncertainty about the future. Early retirement isn’t a fantasy reserved for the ultra-wealthy—it’s a strategic, achievable plan. And with the right guidance, you can make it your reality.
At Bullet Proof Wealth, we partner with ambitious Australians who are ready to take control of their financial trajectory. Our Retire Early Plan is built on tested principles: eliminate debt, accelerate wealth creation, and establish sustainable income streams. Whether you're in your 30s, 40s, or 50s, this is your roadmap to financial independence—on your terms.
Designing a Life of Freedom, Not Just an Exit from Work
Step One: Eliminate Debt, Create Momentum
Financial freedom begins by removing the anchor of debt. Our structured Debt-Free Strategy shows you how to break free from the cycle of repayments and interest accumulation—redirecting your income toward your own future, not the banks.
- Pay off your mortgage years ahead of schedule and save tens of thousands in interest
- Eliminate credit card and personal loan debt that drains monthly cash flow
- Restructure your finances to maximise surplus and reclaim control
Step Two: Accelerate Wealth Through Smart Investing
Retiring early doesn’t mean depriving yourself today—it means being intentional about how you grow and protect your wealth. We help you understand how much capital you’ll need and guide you in building an investment strategy designed to get you there faster.
Whether it’s through shares, property, or a combination of asset classes, our focus is always on tax-efficiency, sustainable returns, and long-term resilience. You’ll learn how to balance risk and opportunity to grow wealth steadily and reliably.
Step Three: Create Reliable, Passive Income Streams
Leaving employment doesn’t mean stopping income—it means shifting from active work to passive revenue. Our clients build income streams that continue long after they’ve left the workforce, providing security and flexibility throughout retirement.
We work with you to explore strategies such as:
- Dividend-focused investment portfolios for recurring income
- Positive cash flow property portfolios for stable monthly returns
- Secondary ventures or investment vehicles that provide hands-off income
Step Four: Structure Superannuation to Support Your Timeline
While superannuation is a valuable retirement asset, early retirees must carefully plan for the “gap years” before preservation age. We help you make the most of your super now—while ensuring you have strategies in place to bridge the interim period.
This includes optimising contributions, exploring early-access provisions where applicable, and complementing super with outside investments that ensure continuity of income and lifestyle.
Step Five: Streamline Spending, Maximise Efficiency
True financial independence isn’t just about what you earn—it’s also about how efficiently you live. Our spending strategies help you optimise without compromise, ensuring your wealth supports your desired lifestyle well into the future.
- Reduce unnecessary spending while preserving quality of life
- Consider downsizing or relocating to optimise cash flow
- Implement tax strategies and government incentives to boost long-term savings
Retiring Early Is Not Just Possible—It’s Within Reach
Thousands of Australians have already used our system to escape financial stress and retire with clarity, confidence, and purpose. Now, it's your turn to experience a life built on freedom and choice, not financial limits.
Curious how soon you could retire? Book your complimentary consultation today.
Retirement isn't defined by age—it’s defined by freedom. Let’s build your Retire Early Plan today.
Ready to Build Wealth That Lasts?
Start your journey toward lifestyle, time, and financial freedom with Dave Parry's proven Four Pillars strategy. Book your consultation today.
Our Services
Eliminate debt faster with a proven debt-free strategy designed to reach real freedom.
Explore Debt-Free Strategy
Create a roadmap to retire earlier with our expert-backed retire early strategy.
Retire Years Sooner
Grow your income and impact through personalised business coaching with Dave Parry.
Vision-to-Impact Coaching
"Dave has always been there for a chat over the years. He is always patient and never dismissive, even before I was in a position to buy. He is an excellent sounding board, being a great listener and providing great advice. I would highly recommend Dave to anyone whether they think they are ready to invest or not."
Angela Park
Former Nurse and Newly Graduated MD
Frequently Asked Questions
Some of the best retirement strategies in Australia include transitioning to pension phase for tax-free earnings, diversifying assets, downsizing to free up capital, and ensuring you're eligible for the Age Pension. It's essential to avoid the biggest retirement planning mistakes like underestimating inflation or relying solely on superannuation.
With modest spending and access to the Age Pension, $500,000 can last 20 years or more in retirement. It depends on investment returns, inflation, and lifestyle. Many draw inspiration from the best retirement advice from retirees in Australia—to live simply and plan thoroughly.
The 7% rule is a more aggressive alternative to the 4% rule, suggesting retirees can withdraw up to 7% annually—but only if they have shorter retirement horizons or higher-risk portfolios. This must be balanced carefully within retirement strategies Australia recommends.
$300,000 could last 10–15 years depending on your annual expenses, whether you qualify for the Age Pension, and your investment returns. Following ATO retirement rules around tax and super can also help stretch your funds.
Yes, many Australians retire at 65 with $500,000 by combining superannuation withdrawals with Age Pension eligibility. The key is budgeting and planning withdrawals efficiently. It’s wise to seek retirement advice for 60-year olds to avoid outliving your savings.
$800,000 can potentially last over 25 years in retirement with a balanced investment approach and moderate spending. If invested wisely and supplemented by government support, this amount offers a relatively secure retirement.
According to ASFA, a comfortable retirement for a couple requires around $70,000 annually, and $50,000 for singles. This assumes you own your home and enjoy modest travel and lifestyle options.
Retiring at 55 with $500,000 is possible, but you'll need to stretch your money for potentially 35 years or more. This usually requires lower expenses, disciplined investment, and possibly part-time work until super can be accessed.
It depends on your balance, withdrawal rate, returns, and whether you qualify for government support. Use retirement calculators and speak to an advisor to model your scenario. Knowing the lifespan of your nest egg is vital for long-term peace of mind.
Let Dave Parry personally guide you to true freedom—financially, emotionally, and with your time and lifestyle.
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Discover The Fastest Way to Pay Off Your Home Loan, Double Your Retirement Figure, Build A Bullet Proof Mindset ...and the Secrets to Paying Less Tax!
Who has ever taken the time to show You how to Master
Your Money, and live the abundant life You Want?
After coaching and training hundreds of people to save thousands of dollars, reduce debts more quickly, and maximize returns on taxes, the most common comment I hear is, “Why weren’t we taught this at school?”
Hi I'm Dave Parry
As a husband, business owner and father I completely understand the struggles and stress of having a home loan, paying off credit cards, car loans and trying to provide a great life for the family and kids.
Let me show you how to eliminate the stress, turn your money world around and join the growing number of everyday people who are day by day growing their money and creating a life of freedom and incredible choice for themselves and their family.
There is a simple answer! And it’s called Bullet Proof Wealth. I have helped hundreds of Australians from all walks of life save thousands and thousands of dollars, and I’m 100% sure I can help you too!
Becoming debt free, paying less tax, becoming wealthy is not nearly as hard as you may think – you just need to be shown the way!
I’ve dedicated years of my life to serving people, and passing on all my vast knowledge for years of study, learning from the masters, some trial and error, and have developed a unique strategy that is simple, systematic and can be tailored exactly for you – no matter where you are in your journey, or what your dreams and desires are.
Join me at one of my high value training workshops instantly to see just how much money is slipping through your fingers…and how you can start to build Bullet Proof Wealth!