RomzGad - Romulae Jr Gadaoni

Happy Father's Day to the dads who taught us that living well isn't about having more — it's about needing less. Whether it was a lesson in patience, discipline, or just knowing the difference between a want and a need, thank you for the wisdom that still shapes how we live today. 💙 RomzGad - Romulae Jr Gadaoni

Father’s Day (Australua) lunch. ❤️

A little reminder that life doesn’t need to be expensive to be meaningful. Good food, simple moments and time with family—sometimes, this is what real wealth looks like.

Less pressure. Less debt. More presence.

Happy Father’s Day! ✌️

AUSTRALIA IS WEALTHY—BUT DO WE FEEL RICH? 🇦🇺🤔

Australia has the world’s third-highest median wealth per adult.

Yet many of us still feel financially stretched—and that feeling is real.

Our wealth may be tied up in our home or super, while everyday income goes towards the mortgage, groceries and bills.

This isn’t about blaming anyone. It’s simply a reminder to pause and appreciate what we already have.

Perhaps wealth isn’t always about a bigger house, a newer car or earning more.

Maybe it’s owing less.
Needing less.
Having enough.
And enjoying an ordinary life with the people we love.

We may not feel rich every day—but a simpler life can remind us that we already have so much.

Less pressure. Less comparison. More gratitude.

That is Living Without.❤️

Today, we’re having coffee in front of the beach at Juliette’s.

Nothing fancy.
No big plans.
Just coffee, the ocean and a little time to slow down.

It’s a reminder that a good life doesn’t always need more.

Sometimes wealth is simply having the time to sit, enjoy the view, and appreciate what’s already in front of you.

Less rushing. Less wanting. Less pressure.
More time. More presence. More gratitude.

That’s the beauty of a less is more lifestyle.

Maybe simple living isn’t about going without.

Maybe it’s about realising how little we actually need to feel rich. ❤️

Week 35… Why I’m Adding Woodside to my Portfolio?

Today, our From Zero Together portfolio is adding 25 units of Woodside Energy (ASX: WDS).

Not because energy shares are fashionable—but because the world still needs reliable energy while it transitions to a cleaner future.

1. Global energy demand continues to grow

Electricity demand is being pushed higher by population growth, developing economies, data centres and electrification. Among fossil fuels, natural gas recorded stronger demand growth than coal and oil in 2025. Gas-fired electricity generation is also forecast to keep growing globally through 2030.

2. A diversified global business

Woodside is no longer dependent on just one Australian project. Its portfolio includes oil and gas operations and growth projects across Australia, the Gulf of Mexico, Senegal, Trinidad and Tobago, and the United States.

Different assets, customers and markets can provide more diversified sources of revenue and cash flow.

3. A manageable—but growing—debt position

One important update: Woodside’s gearing is no longer 17%. At 30 June 2026, net debt, including lease liabilities, was approximately US$9.3 billion, with gearing around 20.6%.

That remains a manageable level, but it deserves monitoring as Woodside funds major developments.⁠

4. Healthy, fully franked dividends

Woodside declared a US57-cent fully franked interim dividend for the first half of 2026—an 80% payout ratio of underlying profit.

Its trailing dividend yield is currently around 5%, excluding the additional benefit of franking credits, although the actual yield changes with the share price. Woodside’s dividend policy targets a payout ratio of 50% to 80% of underlying profit.

👉The Living Without view

Investing does not need to be exciting or complicated.

We aren’t trying to predict tomorrow’s energy price. We are slowly building a diversified portfolio of businesses and ETFs that may produce income and grow over time.

Twenty-five units today for our week 35. Another small step towards tomorrow’s freedom.

👉Less hype. Less timing. More patience.
From Zero Together.

Impt…. This is my investing journey, not personal financial advice. Woodside carries commodity-price, project, debt, regulatory and transition risks.😊✌️

Romulae Jr R Gadaoni❤️
Licensed Financial Adviser
Accountant/Tax Agent

ONE STEP AT A TIME FOR MENTAL HEALTH 💙

One in five Australians experiences mental illness each year. Behind that number is someone’s family member, friend, colleague—or perhaps someone quietly struggling alone.

This October, Living Without will take part in One Foot Forward, walking to raise funds for the Black Dog Institute and support vital mental health research, treatment, education and digital services.

At Living Without, we believe a meaningful life isn’t measured by how much we have, but by how much kindness and hope we can share.

If you’re in a position to donate, no amount is too small. If donating isn’t possible, sharing this post is another meaningful way to help.

You can also walk alongside us. Comment “JOIN” below, and we’ll send you the details.

Together, one small step at a time, we can help create better mental health for all Australians. 💙

Less pressure. More compassion. No one walking alone.