Mission Statement

The Flawed Consumer is an Australian Personal Finance Blog focused on achieving Financial Independence and happiness through four key principles: Finance, Knowledge, Kindness and Health. 


TFC believes that Financial Independence isn’t just about money, it’s about the freedom that it affords and the ability to live your best life as a result.



To provide Informative and helpful Australian Personal Finance and Financial Independence content that you can use in your everyday life, to help you achieve financial freedom and happiness.


We endeavour to provide this content in a user-friendly and easy to read format, with a touch of humour on the side.


What makes The Flawed Consumer different to any other Australian Personal Finance or Financial Independence Blog?

I believe in keeping it real. I am merely an everyday Australian who has realised that living a life that society has prescribed (i.e. working 5 days a week for 40+ years) is not for me.


I want to choose the kind of life I lead; and I believe that achieving Financial Independence, so that I don’t have to work a 9-5 (and can spend more time with those that mean the most to me), will afford the option to do just that.


As the point of achieving Financial Independence for me is to live the life I want rather the life I have to… I believe in pursuing Financial Independence in a holistic way, not just focused on maximising personal finance, but also on maximising knowledge, kindness and good health.


Who is The Flawed Consumer?

I am a flawed Gen Y consumer in my early 30’s that had a financial epiphany around my 30th birthday. When I turned 30, I realised that my wife and I were trapped in a dangerous consumer led debt-cycle. 


Upon further reflection, I realised that this kind of life did not gel with either of our personalities and I couldn’t understand why we had become the “Keeping up with the Jones’” types. 


It was upon deep reflection that I realised that we were just doing what most other people our age were, without truly thinking about what actually made us happy. This was an unacceptable realisation, so we decided to take swift action to change our lives for the better in order to achieve Financial independence and freedom.


Soon after, I started this blog to share our Financial Independence journey in an attempt to help others along the way. However, over time I realised the importance of a holistic approach to financial independence as financial wealth alone does not lead to happiness. 


It is my view that Financial Independence should be achieved through the maximisation of four overarching principles:

  • Finance – Frugal living, earning, saving and investing in order to achieve Financial Independence and freedom.
  • Knowledge – Learning and growing to become your best self and to live your best life.
  • Kindness – Charitable actions to help leave the world in a better place and put a smile on your face.
  • Health – Good health enables you to achieve all of the other principles!


These four principles combined = happiness; and form the foundations of this blog.