FI Blueprint
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FI Blueprint
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Vanguard ran this month
$360/fn auto-invest into VGS confirmed
$720
Offset grew
Balance higher than last month
$81k
Lifestyle spend on target
Discretionary at or under $4,000
≤$4k
This month's numbers
optional
Net Worth
960,688
—
Outside Portfolio
4,688
—
Offset Balance
81,000
—
Discretionary Spend
4,000
—
Plan · the full reference
Open gaps to close
01
School fees unmodelled. Private school = $1,200–2,500/mo for 13 years inside the FI window. Decide government vs private, then model the number.
02
Wills unsigned. BDNs confirmed, but guardianship + testamentary trust still outstanding. Hard deadline needed.
03
Retirement budget reverse-engineered. The $128k/yr figure needs building from 12 line items, not derived from constrained spending.
04
Salary-sacrifice cap risk. At the $230k raise, reduce SS to $3,550/yr same week or breach the $30k cap.
Position today
▶
Net worth$960,688
Your super$240,000
Wife super$133,000
Outside portfolio$4,688
Mortgage$891,489
Offset$81,000
Interest rate6.04%
The timeline
▶
You exit employment57 · family office
Wife exits employment52 · overlap kept
Your super opensage 60
Both supers openage 67
Critical window59–60
Contributions & strategy
▶
Vanguard (now)$720/mo · $360/fn
Vanguard (post-raise)$1,000/mo target
VGS until$10k then split
Super salary sacrifice15% confirmed
Wife Deakin SGC17% (worth ~$180k)
Cover & protection
▶
Death cover$2.0M each ✓
TPD$2.0M each ✓
Income protection$15k/mo to 65 ✓
Binding nominationsBoth accounts ✓
WillsOutstanding
$300k windfall · tested
▶
Monte Carlo across 10,000 runs. Recommended split:
To offset$250,000
To VGS$50,000
Median @ 55$974k
Chance below $700k1.3%
Rate-dependent — revisit if mortgage falls toward 5%.
Cashflow phases
▶
Your take-home$9,934/mo
Wife take-home (part-time)$4,640/mo
Combined$14,574/mo
Mortgage P&I$6,500/mo
Phase 2 surplus−$2,395/mo
Offset absorbs the Phase 2 deficit during wife's part-time years. Salary raise to $230k closes it.
Spend audit · monthly
▶
Groceries~$1,700
Dining (target $500)$610
Alcohol (recurring)$112 ✓
Clothing (recurring)$188 ✓
Giving (variable)$500–700
Adjusted discretionary~$3,850 ✓
One-offs removed: Secure Shutters, Harvey Norman, Dan Murphy's bulk buys. Under $4k target on a recurring basis.
Advisory council · key calls
▶
Write the "Why" — three sentences on what freedom at 57 looks like. Highest return on effort.
Carry-forward super — check MyGov before deploying any windfall. Potential $12–28k tax saving.
Family trust — trigger at investment income >$20k/yr, not portfolio >$300k.
Year 10 trigger — if portfolio below $360k at age 52, extend exit to 57 or cut spend to $110k.
Deakin 17% SGC — never leave without modelling the ~$180k lifetime super cost.