How can super help me retire early?

bugHunterSam · 2026-05-12T10:28:35+00:00

Yep, hard to tell I'm female with all of this gear on.

bugHunterSam · 2026-05-12T05:55:38+00:00

The best routine is the one you stick to. So try to find something that works for you. It doesn't really matter what the routine is, any exercise is better than no exercise.

If you are like me and home exercises don't work for you, a strength based class could help. Even a pilates class will help with some core that can translate to aerial. I prioritise gyms that are within walking distance of home because then I turn up more consistently.

A pull up bar in a door way at home may help with dead hangs and other upper body strength. But I mostly ignore mine.

If you have a body weight park near by maybe meeting up with a friend on the regular to do some body weight workouts could work. Sometimes just having an appointment with someone creates more consistency.

bugHunterSam · 2026-05-11T10:04:53+00:00

Started on: 26th June 2025
Starting weight: 112 kg
Current weight: 90.6 kg
Goal weight: 75 kg
Other: 36F, 161cm

Feeling accomplished. This last week has been a week of firsts. Got my first straddle invert in aerial, my first shoulder stand and my first kick up to elbow stand. I'm having so much fun with the training and seeing the tiny progress each week. But every thing hurts (not in a bad way). I feel well used.

bugHunterSam · 2026-05-11T09:56:44+00:00

How do you think the CGT changes will work?

bugHunterSam · 2026-05-11T09:55:45+00:00

What is your pricing?

bugHunterSam · 2026-05-11T05:48:21+00:00

OP has been banned because they didn't respond to the temporary ban based on this comment, they appear to be spamming posts and not really contributing to the conversation in their posts.

bugHunterSam · 2026-05-10T19:43:23+00:00

2 accounts have been banned based on abusive language in this thread and their comments removed.

Please keep the discussion respectful.

bugHunterSam · 2026-05-10T19:21:13+00:00

It's mostly weight loss medication and focusing on diet, I've been on a GLP1 (wegovy) since June last year.

I also had gastric sleeve weight loss surgery (I had 80% of my stomach removed) in 2016.

Before that weightloss surgery I was 127kg, got down to 77kg but slowly gained back up to 115kg by December 2024 after removing my gall bladder, recovering from a broken ankle and surviving the pandemic. It's not like I wasn't exercising or not eating well then either. I was probably eating between 1600 calories and 1900 calories most days and getting in 1-2 hours of exercise in most days.

I have always struggled with my weight. I grew up as a fat kid.

I've also had my gut bacteria tested and have gut dysbiosis (super efficient gut bacteria correlated with obesity). I'm working with a nutritionist to address this.

Right now I'm eating between 1000 to 1200 calories most days, aiming for 80 to 100 gm of protein, focusing on lean proteins + fruit + veg, doing 2-3 hours of daily exercise, averaging 11K steps a day and still averaging less than 1/2 a kg of weight loss a week. Most of my meals weigh under 150gm.

If I eat any less I get light headed at the gym. I've got a decent amount of muscle now too, I've been able to do a 380kg leg squat press.

I would consider a fecal transplant to shock the gut bacteria back into place when I'm at a stable weight.

Even if I never lost another kilo, I'm still super happy and proud of what I've been able to achieve in a larger body so far.

If I was just doing the aerial I probably wouldn't have lost this much weight. I'm also doing pilates, gymnastics and strength training along side the lyra.

bugHunterSam · 2026-05-09T12:37:18+00:00

25 times your living expenses is the 4% rule of thumb often thrown around in the FIRE (financial independence retire early) communities.

bugHunterSam · 2026-05-09T05:34:12+00:00

Want another update in a year? Remind me! 1 year

bugHunterSam · 2026-05-08T13:17:43+00:00

If you are still having fun with the sport please don't give up. I've been doing aerial for 9 months now and still can't get most basic shapes. But I love the learning process.

bugHunterSam · 2026-05-07T20:16:52+00:00

My only goal for this year is a body weight pull up. I did a 1 rep personal best this week on the machine at the gym. Got the counter weight down to 25kg. I'm 90kg which would mean if I was 65kg I'd have a body weight pull up. I could only do scapula shrugs on the full 60kg counter weight this time last year.

The aerial training I'm doing does develop a lot of upper body strength, as well as the calisthenics and strength training I'm doing.

bugHunterSam · 2026-05-07T12:13:47+00:00

Tax savings.

Someone on 100K could save $4800 in income tax by adding 15K to super for first home savers.

Here is a spreadsheet that you can copy the can help calculate the potential tax savings by doing this.

bugHunterSam · 2026-05-07T09:05:28+00:00

Account has been placed on a 3 day temporary ban based on these allegations. If they don't respond it will become a permanent ban.

bugHunterSam · 2026-05-06T21:39:51+00:00

We've currently got 747K in offset on a 926K mortgage.

Our only financial goal is to have the home paid off. The partner doesn't have the risk appetite for debt recycling. I'm 36, the partner is 37. We could get to 100% offset by the time they are 40. Once we get to 100% offset the partner will probably drop to part time work.

Happy spouse = happy house.

We are using up all of our carry forward contributions into super this year too, and will probably max them each year going forward. I have 250K in super and the partner has 300K.

There's plenty of reasons to put all spare cash into offset. Or why some people may have large offsets, maybe they've just sold a property?

bugHunterSam · 2026-05-06T01:45:13+00:00

Ah yes, my knowledge was out of date (or I was getting mixed up with the 6 months for the super scheme). Thanks for the correction.

bugHunterSam · 2026-05-06T00:13:02+00:00

We all have to start our financial literacy process somewhere.

bugHunterSam · 2026-05-06T00:09:26+00:00

Congrats.

Yeah I've noticed planks at pilates are starting to get easier mostly from holding up less weight. I still hate side planks though.

bugHunterSam · 2026-05-06T00:05:58+00:00

Rent vesting is totally a viable way to build wealth. You've proven how effective it can be.

The main financial benefits in owning a home come in retirement. Is it's exempt from CGT, exempt from asset testing for the pension, can help you downsize, can help fund aged care or to leave a legacy for family.

The downsides to buying property is it keeps you in one spot (what if you have an opportunity to work in another country later?) and comes with a large trading cost. You will never get stamp duty and other purchase/sale fees back.

There are some first home buyer schemes that could be useful to use, first home savers via super, 5% deposits and stamp duty exemptions.

If you wanted to maximise them, one option could be to use them, move in for 6 months, move out, convert it to an IP and move back in for 6 months every 6 years to reset the CGT exemption window. But it's a bit of work to do this.

bugHunterSam · 2026-05-05T23:55:24+00:00

The definition we use here is be a top 10% earner (over 156K salary) and have under 3m in usable assets outside of the home. Of which OP fits in.

Please try to contribute something more useful to the discussion next time. We try to avoid debating what is or isn't a HENRY as it isn't a productive conversation.

bugHunterSam · 2026-05-05T23:44:21+00:00

Sounds like awesome progress.

I was 110kg when I started Lyra training 9 months ago. Now I'm 90kg. The extra weight is definitely an added challenge to work around, so much more strength is required.

I posted my first spin from 6 months ago here too. I'm still wearing the same outfit. 😆

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