Money Talks

Every month on Money Talks, we step away from in-depth how-tos and entrepreneurial journeys to delve into the personal side of finance with host Katie Byrne, financial expert Cian Carolan and you, the audience.

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Each person we speak to for the purposes of a case study is offered an unfiltered and nonjudgmental money makeover.

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In this episode, Katie and Cian assess the balance sheet of a 36-year-old woman who is making €82,000 a year yet feels she isn’t earning enough for her age.

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Although she started her pension at the age of 23, she believes she "doesn't have a good relationship with money".

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Her short-term goal is to buy a house in Dublin – the location is non-negotiable – while her medium- and long-term goals are emergency fund-focused.

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What advice do Katie and Cian have this time around?

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Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product. 

See omnystudio.com/listener for privacy information.

From next year, it will be possible for a couple to take home almost €80,000 a year without paying any income tax. 

Sounds great on paper, but what about in practice?  

There are lucrative tax incentives on the table – and not just for couples – but the varying methodologies are likely to appeal to some more than others.  

Chartered accountant and tax adviser Alan Purcell of CloudAccounts returns to the Money Talks studio this week to map it all out and to answer the question: Is it worth working less to ultimately earn more?  

“It can be,” Purcell said. “It takes a bit of planning. It’ll take a bit of work. It wouldn’t be for absolutely everybody, but if you have the right infrastructure in place, it can pay to work less.  

“You could also have some knock-on effects of maybe not even having to pay for childcare, which is actually a huge saving, as we all know, in this day and age.” 

Host: Katie Byrne 

Guest: Alan Purcell 

Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism 

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Simon Harris’s much-hyped investment scheme is official, though there’s still some way to go before you can avail of it. But we’re not going to wait until next summer to analyse and scrutinise it.

Cian Carolan, managing director at DNG Financial Services, returns to the Money Talks studio to tease out the forthcoming Personal Investment Account and discuss what you need to know ahead of time.

“There’s a couple of things that tell me that they overcomplicated it, overthought it and probably missed out on the simplicity of it,” says Carolan.  

“The biggest missed opportunity of all is the July start date. We’ve been waiting around all year. We’ve had a lot of clients ourselves who’ve been deferring starting investing in anticipation of this.

“They’ve missed out on a really good year so far, at least in terms of investment returns. That’s something that needs to be called out."  

The negatives and the positives – because there are some of those, too – go under the microscope on this week's episode.  

Host: Katie Byrne 

Guest: Cian Carolan 

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product.    

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The saying goes that time is money and money is time, but how does it all add up - and indeed, subtract - when we apply it to our own specific situation?

This week on Money Talks, Katie Byrne is joined by Dale Whelehan, a behavioural scientist and assistant professor at Trinity College Dublin.

His research explores why modern life makes many of us feel like we never have enough time, while his latest project, House of Time, helps perpetually busy people find practical solutions.

How does the ‘time is money’ mindset apply to our finances?

Do we need to cut an entire day from the working week?

And would a ‘time audit’ save us, not just hours, but money as well?

Host: Katie Byrne

Guest: Dale Whelehan

Money Talksis part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

See omnystudio.com/listener for privacy information.

Budget 2027 is in the books, so it's time to do some calculations.

How much better – or worse – off are we?

Has the government done enough to ease Ireland's cost-of-living crisis?

On this episode of Money Talks, host Katie Byrne is joined by Charlie Weston, Saoirse Hanley and Sinead Ryan of the Irish Independent's business team to tot up the winners and losers of this year's major financial shake-up.

Money Talksis part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

See omnystudio.com/listener for privacy information.

Women’s wealth expert Laura Tynan is on a lifelong mission.

Having studied finance at University College Cork, she became a chartered accountant and travelled the world, working in the higher end of the financial industry.

But she wasn’t satisfied. Having developed a spiritual and strategic relationship with money, Tynan turned her attention to gender pay disparity, declaring that she doesn’t want to live in a world in which women find themselves on the wrong side of money statistics.

In conversation on the Money Talkspodcast, she raises a pertinent question: why should it be considered crude for a woman to want to make a lot of money?

“My mom stayed at home, my dad went out to work, so growing up I saw that dynamic,” she notes. “Nothing wrong with it, but it was just very evident that dad manages the money and mom stays home and takes care of the kids.

“Now, I always knew that I wanted to be rich. And that even sounds vulgar to say, as a woman. But it’s not, right? You have every right to declare you want to be rich. There's nothing dirty about that word.

“I saw my mom not having access to her own funds. I saw her talking to my dad and having to negotiate to even just get money to go to the grocery store. And I thought, ‘I don’t want that for me. I want to have my money. I want to be able to make my own decisions.”

On this week’s episode of Money Talks, Tynan explains how she took up that journey, how she’s going about her goal to make her daughter a millionaire one day, why she dropped her Witch of Wall Street persona, and the inner work people can adopt to move towards a positive money mindset.

Host:Katie Byrne

Guest: Laura Tynan

Money Talks is part of the Trust Project. You can view our ethics policies at independent.ie/ourjournalism

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

See omnystudio.com/listener for privacy information.

Every month on Money Talks we step away from in-depth how-to guides and entrepreneurial journeys to delve into the personal side of personal finance by assessing a case study submitted by the audience.

This time around, we're looking at a young couple with three children, a combined income of €80,000 and major worries about long-term earnings.

"Money doesn't have to be a point of anxiety for households," says financial expert Cian Carolan as he and host Katie Byrne run the rule over how to go about reducing stress and the steps that can take the fear out of managing a household budget.

"If they were to sit down and honestly drill into the granular details of where their money goes, it would surprise them – but it's all fixable."

Money Talks is part of the Trust Project. You can view our ethics policies at independent.ie/ourjournalism

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product

See omnystudio.com/listener for privacy information.

Are you the type of person who breaks out into a cold sweat when the prospect of financial planning and management comes up in conversation?

Is the phrase 'Ah, I'll do it later' more likely to come out of your mouth than 'five-year plan'?

And have you indeed managed to go for years, perhaps even decades, without ever so much as glancing at your annual bank statement?

Well, this is the episode for you. This week on Money Talks, host Katie Byrne is joined by Karena Duane, founder of Money, Just For Her, to look at the extremely common and hopefully quite improvable world of the financial late bloomer.

"It is never too late," notes Duane as she sets about breaking down the barriers of coming late to managing your money, whether you're on a personal or a professional journey.

"I think everybody gets there in the end – it's just about what your priorities have been up until now, and now what your priorities are going forward."

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

Money Talks is part of The Trust Project. You can view our ethics policies atindependent.ie/ourjournalism

See omnystudio.com/listener for privacy information.

For some people, their 30s are a financially formative decade. But it’s also a decade where a lot of people are still figuring it out, and where some of their hardest lessons are learnt.

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Money Talks host Katie Byrne is joined by regular guest Kel Galavan (aka Mrs Smart Money) to discuss the most common money mistakes people make in their 30s and how to solve them – or even avoid them altogether.

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Host: Katie Byrne | Guest: Kel Galavan

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Budget 2027 is just around the corner. With that comes Simon Harris's long-awaited investment scheme. But what will it look like and who will it be aimed at?

Dan Malone of Honest.ie joins Katies Byrne to unpack what the new scheme means for you and your budget, and to answer one pressing question: can you really build long-term wealth by investing just €100 a month?

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

Host: Katie Byrne | Guest: Dan Malone (Honest.ie)

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There was a time that a one-million euro pension pot might have seemed like an awful lot of money to want to retire with. But with most of us living longer and healthier lives, plus the cost-of-living crisis, it's really not as ambitious as it once seemed.

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Nick Charalambous joins Katie Byrne on Money Talks to break down what you can do now to hit that goal - regardless of your starting age.

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Host: Katie Byrne | Guest: Nick Charalambous

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Regular listeners to Money Talks will know that the show has always focused on the personal side of personal finance. Now we’re really putting our money where our mouth is with our new Money Makeover series.

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Financial expert Cian Carolan joins Katie Byrne to apply the actionable advice from Money Talks to real-life circumstances faced by our listeners.

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Today, he focuses on a couple with very different saving styles – and a looming time crisis on their pension pot.

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Host:Katie Byrne | Guest:Cian Carolan

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In any given year, the prelude to the budget is dominated by familiar talking points: VAT rates, cigarettes and childcare. But conversations around Budget 2027 are bucking the trend, somewhat, as anticipation builds around a new scheme for Irish investors.

So will it be the gamechanger that Simon Harris is promising? How will it actually work? And, most importantly, what will it mean for your pocket?

To unpack all these questions and more, Katie Byrne is joined by Eoin McGee, who's spoken to international economists and the Tánaiste himself about how the framework could – and should – work.

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

Host: Katie Byrne | Guest: Eoin McGee

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‘Work/life balance’ is a phrase that gets thrown about a lot – but what does it really mean? And how far would you be willing to go to achieve that balance in reality?

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In this episode of Money Talks, Katie Byrne is joined by Anne Sheeran, a ‘de-influencer’ who put her money where her mouth is by taking a pay cut that allowed her to work a four-day week.

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Sheeran shares updates on her lifestyle and the challenges posed by her schedule on her TikTok and Instagram accounts.

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She tells Katie why she'd choose a four-day work week over a luxury seven-day trip with her family.

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

See omnystudio.com/listener for privacy information.

Do you ever wonder how much money you could save on your regular bills if you just invested a little time? The small incremental wins that mightn't seem like a lot, but really add up?

You might be surprised by how much you could save by picking up the phone. It's basically the modern-day version of finding change down the back of the couch.

Frank Conway, founder of Moneywhizz.org, joins Katie Byrne on Money Talks to explore the big savings that are just a little phone call away.

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Money Talks is part of the Trust Project. You can see our ethics policies atindependent.ie/ourjournalism

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In previous years, by the time we reached this point in the summer season, you'd probably have been jetting off on a holiday booked many months ago. But recent surveys suggest that 2026 holidaymakers are holding out for a bargain. 

Regardless of which school you fall into, Irish Independent travel editor Pól Ó Conghaile has plenty of suggestions for how you can make the most of your holiday budget.

From mini bars and boat tours to musical rickshaws in NYC, Pól tells Money Talks host Katie Byrne how to avoid some common travel rip-offs.

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product

Host: Katie Byrne | Guest: Pól Ó Conghaile

Money Talks is part of the Trust Project. You can see our ethics policies atindependent.ie/ourjournalism

See omnystudio.com/listener for privacy information.

Throughout our lives there’s one relationship that we invariably come back to time and again. It impacts our family life, our professional life and, very often, our romantic outlook.

Whatever angle you look at it from, how you feel about money could be one of the most defining relationships of your life.

Loretta Kennedy, an accredited Trauma of Money practitioner, joins Katie Byrne to unpack the many ways your money mindset can impact your finances.

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

Host: Katie Byrne | Guest: Loretta Kennedy

Money Talks is part of the Trust Project. You can view our ethics policies at independent.ie/ourjournalism

See omnystudio.com/listener for privacy information.

For many people, hearing about investment portfolios or wealth generators can seem all too hypothetical. 

It’d be a nice thing to have if I had the funds to do it. 

On this episode of Money Talks, Katie Byrne is joined again by Robert Whelan, managing director of Rockwell Financial, to share his expert advice on how to build your first €10k, including what the common mistakes are, the best ways to see a return and where to even begin.

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

Host: Katie Byrne | Guest: Robert Whelan (managing director, Rockwell Financial)

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You may not realise it, but this is the week when we officially pass the halfway point of the year. While your New Year's Eve resolutions might be a distant memory, it’s not too late to get things back on track with a mid-year financial reset. Katie Byrne is joined by Michael Houghton, host of The Irish Fire Podcast, to review the 11 steps you need to take to stay on track for the rest of the year.The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment productHost: Katie Byrne | Guest: Michael Houghton (The Irish Fire Podcast)

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We’re entering that time of year where many people are likely to have a wedding (or two) on the horizon. Whether you’re one half of the happy couple, planning a speech for the reception or just dusting off your dancing shoes as a guest, it's good to understand the costs involved.

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To discuss the financial aspects of hosting or attending a wedding in 2026, Katie Byrne is joined by Irish Independent features journalist Kirsty Blake Knox and One Fab Day head of content Ciara Elliott.

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The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product 

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Host: Katie Byrne | Guests: Kirsty Blake Knox and Ciara Elliott

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Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

See omnystudio.com/listener for privacy information.

Whatever your preferences, and whether you like it or not, what you drive tells the world about who you are.

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Maybe you value speed over comfort or require an SUV the size of a small school bus… Well, regardless of your needs, chances are you’ve made a few mistakes when purchasing your car.

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Katie Byrne is joined by Alpha Wealth’s Nick Charalambous to discuss why even smart people lose money on cars – and why focusing on getting “bang for your buck” should never mean driving a banger.

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The Indo Daily is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

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We make financial decisions day in, day out. The items we buy, the money we save, the goals we set...

It can be easy to forget, however, that some of the biggest life-changing money decisions might be hiding in plain sight. But what are they? And how do you make clear-eyed choices while listening to your head and your heart?

Kel Galavan joins host Katie Byrne to unpack all this and more.

Host: Katie Byrne | Guest: Kel Galavan (Author and expert)

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product 

See omnystudio.com/listener for privacy information.

Over the last few years, awareness of financial abuse has grown, particularly when it concerns a romantic partner. But are you aware of the red flags that might indicate you or someone you know are being abused? And do you know who to speak to if things go awry?

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Katie Byrne is joined by expert Melissa Boyle for a discussion about the various forms financial abuse can take – and the sometimes subtle signs to look out for.

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Host: Katie Byrne | Guest: Melissa Boyle

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The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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We want to earn your trust and are members of the Trust Project. See our ethics policies at independent.ie/ourjournalism

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With every summer holiday, there’s an almost inevitable routine of boarding a plane to a sun-drenched destination and then wondering: could I just stay? This week’s Money Talks guest has done just that. As one-half of the Puglia Paddys, John Nolan and his partner have swapped life in Nurney, Co Kildare, for Osteria in Italy.

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Host: Katie Byrne | Guest: John Nolan (Puglia Paddys)

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The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

See omnystudio.com/listener for privacy information.

In today’s economy, it can sometimes feel like the gap between those earning enough to save and invest for the future and those who are just earning enough to get by is growing ever bigger. But the key to building wealth isn’t just earning more. Katie Byrne chats to investment adviser Sjoerd Bak to uncover the money habits that can help you build wealth on an average salary. Host: Katie Byrne | Guest: Sjoerd Bak The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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In a short time, more and more people have become very comfortable handing over the (various) reins of their lives to AI. Perhaps they use it for a work pitch, a fitness regime or even a wedding speech. But what about their money? Indo Money journalist Saoirse Hanley tells host Katie Byrne about using AI as a financial therapist. 

Host: Katie Byrne | Guest: Saoirse Hanley

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product 

See omnystudio.com/listener for privacy information.

Recent figures from Revenue show that the average refund issued this year was €1,000, yet thousands of workers still aren’t claiming the money that they’re owed. Katie Byrne is joined by Alan Purcell of CloudAccounts to give you a sense of what you might be entitled to, just how easy it is to claim, and what you might have missed.   Host: Katie Byrne | Guest: Alan Purcell (CloudAccounts)   

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Being in a relationship has many financial advantages, but only if a couple are on the same page. Some quietly build wealth together while others hide spending from one another. Leah McMahon, senior financial planner with Fairstone Limerick, joins Katie Byrne to explore the habits that set some couples apart while keeping them together. 

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Host: Katie Byrne | Guest: Leah McMahon (senior financial planner with Fairstone Limerick)

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The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

See omnystudio.com/listener for privacy information.

How many of us have said “we really need to look at the household budget” or are guilty of claiming they’ll get to it “some day”? It’s a scenario that has played out countless times for journalist and podcaster Rosemary MacCabe. But when she and her husband Brandon finally sat down to look through the household accounts in their home in Fort Wayne, Indiana, they were in for a rude awakening. So how long will their debt journey take? Why are American attitudes to debt so different? And what goes first: the skincare or the nappies?

Host: Katie Byrne | Guest: Rosemary MacCabe (instagram.com/rosemarymaccabe)

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Ellie Kistnen's story is one many listeners would likely aspire to. Realising some years ago that her debt was no longer feasible, she set out to get on top of it. She has since turned her situation around – and offers great advice to others on paying off a mortgage early, switching providers, or even just managing the day-to-day budgeting that makes a big difference overall.

Host: Katie Byrne | Guest:Ellie Kistnen (instagram.com/planningandfinances)

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If you’re hoping to improve your finances, but aren’t having any luck, might you be focusing on the wrong things? Are there certain expenses or habits that subtly cripple your efforts? Robert Whelan of Rockwell Financial argues that, sometimes, small incremental changes yield the biggest results. In this episode, he lays out the seven behaviours that might be holding you back, from drift and financial nostalgia to the age-risk gap.

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Host: Katie Byrne |Guest: Robert Whelan (Rockwell Financial)

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Last week, the High Court issued a landmark judgement in favour of Sky, allowing them to pursue end users of ‘dodgy boxes’ instead of just the providers. So what does this mean for the approximately 400,000 users of this illegal service, what are the legitimate offerings favoured by the rest of us and where can you find the best value for digital entertainment subscriptions? Host: Katie Byrne | Guests: Adrian Weckler and Dave Hanratty The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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For most parents, securing their child’s future isn’t just emotional, it’s financial. From childcare and education to saving, investing and long-term planning, the decisions made when they’re small can shape the opportunities open to them decades down the line.

But with rising living costs and ongoing economic uncertainty, how do you balance providing for today with preparing for tomorrow? Which financial choices actually make a difference? And how can you help your children make good decisions in future?

Host: Katie Byrne | Guest: Cian Carolan, managing director of DNG Financial Services

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

See omnystudio.com/listener for privacy information.

Have you been noticing price hikes at the petrol pump? Or perhaps you’re second guessing your travel plans? No matter what your lifestyle is, it seems likely that the ongoing conflict in Iran will impact your household budget.

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In this episode of Money Talks, Katie Byrne chats with Saoirse Hanley about the many ways – some obvious, others surprising – that events in the Middle East will have a financial ripple effect across the world.

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Host:Katie Byrne | Guest:Saoirse Hanley, Money writer and columnist at the Irish Independent

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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A lot of people dream of packing in their corporate job and starting an off-the-grid business adventure, but Rosanna Irwin actually did it, trading in an ultra-demanding tech gig for Samsú, a cabin-based digital detox space in the heart of Irish nature. On this episode of Money Talks, Ms Irwin explains how burnout led to her carving out her own path, how she managed to bootstrap the project, and what she misses from her previous day-to-day job. Host: Katie Byrne Guest: Rosanna Irwin The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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When Andrew Lynch moved back to Ireland after a number of years living abroad, coming home and buying a home should have been relatively straightforward.

Instead, he found himself among those whose personal circumstances mean they have little hope of buying a home in Ireland today. So began Homely, a company geared towards people who find themselves locked out of buying.

Host: Katie Byrne | Guest: Andrew Lynch

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The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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Have you ever needed to track down a long-lost relative for inheritance purposes? If you have, you’ll know that it’s not the easiest job in the world. Thankfully, for people like you, it’s one that Maeve Mullin, Director of Finders International Ireland, has mastered.

In this episode of Money Talks, Katie Byrne chats with Mullin about her unusual line of work and asks: how does one become an heir hunter, what does an average week look like and how do people react when they learn that they might be entitled to a surprise windfall?

Host: Katie Byrne | Guest: Maeve Mullin, Director of Finders International Ireland

The content of this podcast is for information purposes and does not constitute

investment advice or a recommendation of any investment product

See omnystudio.com/listener for privacy information.

With people embarking on major life events that little bit later, the idea of taking out a mortgage in your 40s is becoming increasingly common. In fact, Martina Hennessy of Doddl.ie has worked with clients who are a decade older than that. But what are the potential pitfalls, long-term implications and difficulties involved in securing a mortgage in your 40s and beyond?

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Host:Katie Byrne | Guest:Martina Hennessy (Doddl.ie)

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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Liz Dwyer is a familiar face to those interested in Ireland’s aesthetic economy, and hers is also a face that’s no stranger to a needle, a nip or tweakment.  It’s all in pursuit of knowledge for the Future Beauty Show, an annual event co-founded by Dwyer and her sister Nikki. Their goal? To educate Irish consumers on the cost and effectiveness of treatments offered by Ireland’s ever-growing cosmetic industry.  Host: Katie Byrne | Guest: Liz Dwyer of the Future Beauty Show  The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product.  

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Today, Kel Galavan is a popular money coach and author, but 10 years ago, her financial situation was far from perfect. Having climbed out of negative equity and saved over €27,000 during a no-spend year, Ms Galavan is living proof we can overcome even the most trying financial situations. She also knows a thing or two about investing and the rookie mistakes that beginner investors tend to make. But what is it about our own specific Irish nature that affects our relationship with investing? Host: Katie Byrne | Guest: Kel Galavan, aka Mrs Smart Money The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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Interest rates in Irish legacy banks aren't particularly enticing for savers, so are there other avenues that will get you more bang for your buck? Dan Malone is a regular contributor to Indo Money, a qualified financial adviser and accountant and he has just launched Honest.ie. He’s here to tell us how and why we need to pay attention to financial literacy. His goal is to offer unbiased advice on savings and investments in Ireland and to improve on the generally poor levels of financial literacy he sees here. Host: Katie Byrne | Guest: Dan Malone of Honest.ie The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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We’re into the January crunch now, and chances are you’re counting the days, hours and minutes until payday. It’s a familiar problem, but does it always have to be like this? When it comes to hard times, Ann-Marie Gaynor walked the walk before she talked the talk. You may recognise her by her online “Irish Budgeting Mammy” handle, where she teaches others how to take control of their finances. On this episode, she takes us through her savings journey.

Host: Katie Byrne Guest: Ann-Marie Gaynor

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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We often hear that switching to a different service provider can save you hundreds, if not thousands. And yet, many people are reluctant to make the move. Is it the effort? The research required? The mere thought of it? Or are we just stubbornly set in our ways? On this episode of Money Talks, we look at how to go about making the big switch. 

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Host: Katie Byrne. Guests: Charlie Weston and Sinéad Ryan

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The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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As the new year gets underway, how do we get our heads together and manage our money, particularly if we find ourselves in a state of difficult debt? Not to mention all the natural anxieties that accompany it. On this episode, we look at one person’s tricky experience with debt and examine how it speaks to universal issues, learning curves and the argument that if you can’t afford to buy it twice, you can’t afford it at all. Host: Katie Byrne Guest: Eoin McGee The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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It’s that time of year again, in that it’s time for a brand-new year and all the guaranteed positive life changes that will definitely come with it. Even if you don’t believe in the concept of calendar-bound resolutions, it’s human nature to try and get our house in order. So, what does that mean for your bank balance? When is the best time to start properly looking at your finances? And are fewer takeaway coffees really the answer? Host: Katie Byrne Guest: Cian Carolan The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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Merry Xmas Everybody, Fairytale of New York, and of course Mariah Carey’s All I Want for Christmas is You - genuinely iconic Christmas songs, all, but how much cash do they rake in, who gets the money and why have we not had any newly profitable festive smashes in recent years? Host: Katie Byrne Guest: John Meagher

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product

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Congratulations, you've won the Lotto. Now, what exactly do you do next? One of the most important things a new winner will do is sit down and speak with a financial planner to guide them through the process – after all, the life they knew is forever changed. One such planner is Eoin McGee, founder of Prosperous Financial Services, who visits the Money Talks studio this week to pull back the curtain on the admin of cashing in a golden ticket, and the perhaps unexpected existential pressures that come with it. Host: Katie Byrne Guest: Eoin McGee

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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’Tis the season for giving, goodwill and some gruelling financial headaches that can lead to heated arguments. There is rarely a good time for a row, but surely we all want Christmas to be full of joy and free of stress.

So what are the biggest money-related fights of the festive season? And how can you avoid them altogether?

Host: Katie Byrne Guest: Maxine Walsh

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Fly In, Fly Out – or ‘FIFO’ for short – is all about taking up temporary employment in a remote location where the demands are extremely intense, but the rewards are hugely lucrative. It’s not for everyone and valid questions have been raised about safety. For Irishman occasionally abroad Cal McIlwaine, FIFO has become a way of life. On this episode of Money Talks, he breaks down his FIFO journey, the hard hours and the big-money payoffs.

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Host: Katie Byrne Guest: Cal McIlwaine

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SundayWorld.com is getting a new look by rebranding to CrimeWorld.com - your inside track on Ireland’s criminal underworld. To mark the occasion, acclaimed journalist and broadcaster Nicola Tallant visits the Money Talksstudio to talk through her relationship with money while also shining the spotlight on the high-wire finances of crime – from lavish spends to deep regrets to incredible danger.

Host: Katie Byrne Guest: Nicola Tallant

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Do you consider yourself wealthy or affluent? Do you know the differences between the two? Does it all come down to human nature? On this episode of Money Talks, host Katie Byrne is joined by Irish Independent personal finance columnist Sinéad Ryan to examine the financial divide between the people who look like they have it and those who actually do.

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Host: Katie Byrne Guest: Sinéad Ryan

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Child benefit is one of Ireland’s few universal payments, but how you use that €140 a month could change your child’s future. Financial expert Sinead Ryan joins Katie Byrne to break down the smartest approaches to saving or investing it, from deposit accounts to managed funds and compound growth. Whether you’re starting on day one or your child’s already in secondary school, it’s not too late to build a meaningful nest egg.

Host: Katie Byrne Guest: Sinead Ryan

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Warned at a young age that the art world was unlikely to yield much fortune, Helen Steele nonetheless committed to her dream and adopted a fearless approach that led to success and acclaim. On this episode of Money Talks, she paints a picture of a most vivid life; from dazzling career highs to personal and professional lows, including her struggles with ADHD and marriage separation.

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Host: Katie Byrne Guest: Helen Steele

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Renovating a house can be a massive undertaking when it comes to your time, your energy and, of course, your money. So, how do you keep costs down and get things done in an efficient and enjoyable manner? Quantity surveyor Shay Lally of Houses to Restore joins us for a quickfire guide to home renovation, with red flags, hidden costs, available grants, the DIY approach and plenty more on the to-do list. Host: Katie Byrne Guest: Shay Lally. The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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In 2019, Rory King started a Facebook page to inspire people to travel more often and save money in the process. It was never meant to explode into a substantial business with 250,000 customers, but here we are. Mr King doesn’t intend to stop there. So, how does he convince so many people to sign up? And what do they get for their money? Host: Katie Byrne Guest: Rory King The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Have you ever thought about overpaying your mortgage? It’s not for everyone, but it could rapidly shave years off your mortgage term and ultimately boost your bank balance. Martina Hennessy, CEO of online mortgage broker Doddl.ie, takes us through the dos, the don’ts, and the staggering amount of money you could save on interest. Host: Katie Byrne Guest: Martina Hennessy The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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The ‘FIRE’ movement - ‘Financial Independence, Retire Early’ - dates back to the 1990s and is very much in fashion today among people who want to build a nest egg that allows them to walk away from their career in their 50s, 40s, or even their 30s. Michael Houghton, a major proponent of the movement, explains his journey so far, the key ways to save, and how he built a family portfolio of €700,000 in seven years. Host: Katie Byrne Guest: Michael Houghton The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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It’s that time of year again – the budget has landed. What does it mean for you and your bank balance? With last year’s ‘giveaway’ budget firmly consigned to the history books, it’s time to tighten our belts. On this episode of Money Talks, the Irish Independent business team breaks down the winners, the losers and the main headlines from this year’s balance sheet.

Host: Katie Byrne Guests: Charlie Weston and Sinéad Ryan

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At the height of the Celtic Tiger, artist Kevin Sharkey was living a champagne lifestyle, having made almost €5 million from selling his art. When the 2008 economic crash hit Ireland, his fortunes took a sudden turn for the worse. On this episode he talks about his harrowing upbringing, his creative comeback and why he’s still determined to live every day like his last.

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Host: Katie Byrne. Guest: Kevin Sharkey

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As a former financial adviser turned professional matchmaker, Mairead Loughman has the inside track on how money matters can impact romantic relationships. On this episode, she talks about financial red flags, how she manages her clients’ money expectations, and why she thinks the biggest financial decision you will ever make is who you decide to have a relationship with.

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Host: Katie Byrne. Guest: Mairead Loughman

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Having opened his first restaurant during the 2008 global economic crash, JP McMahon knows a thing or two about resilience. Very much a staple of the west of Ireland’s food scene, he also knows both the taste and the cost of fine dining. On this episode, he lifts the lid on his career to date, the demands of the industry, tipping culture, expensive meals and his creative exploits away from the kitchen. Host: Katie Byrne. Guest: JP McMahon The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Caz Mooney didn’t set out to become a budgeting guru with a huge following on social media, but life is funny sometimes. Having embarked on a strict and strategic “low-spend year” with her family, she cleared her debt and saved €15,000. On this episode of Money Talks, she takes us through the challenges, the successes and how to go about it. Host: Katie Byrne Guest: Caz Mooney The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Dublin-born but London-based Sara Stokes switched out a rock star lifestyle, touring with the likes of U2, to become an entrepreneur with a unique focus. She heads up Skn To Skn - a purpose-built beauty brand aimed at pregnant women. On this episode of Money Talks, she discusses when she spotted a gap in the market, how she bootstrapped the venture, and what the music industry taught her about management. 

Host: Katie Byrne Guest: Sara Stokes

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What’s it like to become a millionaire in your early 20s? For Dublin-based games developer Dáire Bohan, the aim was to keep life as normal as possible. And so, he chose to keep his wealth quiet for as long as he could. Now, the secret is out. “It still feels a bit surreal to say the ‘M’ word,” he says, but he’s getting used to it. On this episode, he explains how his love of video games paid off, and the unique challenges of making big money at a very young age. Host: Katie Byrne Guest: Dáire Bohan The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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At just 23 years old, Lauren Whelan is one of the biggest Irish names on TikTok, boasting a following of almost two million. The social media influencing space is big business, and Whelan has the long term in mind, with a pension and a financial adviser as important to her portfolio as tapping into the latest online trends.    Host: Katie Byrne Guest: Lauren Whelan   The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.     

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Tired of the Dublin rat race, Paul Lawford quit his job, sold his material goods, and set about downsizing – literally. Having built himself a tiny house, Paul now runs Small Change, “a radical, sustainable and affordable approach to traditional housing”. Does it work? How much does it cost? And how much money could you save? Host: Katie Byrne Guest: Paul Lawford

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At the peak of his tennis career, Conor Niland was ranked 129th in the world. Today, he’s an award-winning author and works in commercial property. On this episode of Money Talks, he brings us behind the scenes of the extremely competitive – and lucrative – sport of tennis, and the challenges that came with adapting to a more conventional nine-to-five. Host: Katie Byrne Guest: Conor Niland

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Fashion icon, business leader and social entrepreneur Sonya Lennon is the latest guest to grace the Money Talks studio. On this episode, she discusses the difficulties of making it in business, the cultural awkwardness of talking about money with friends, and her love of the simple things in life. Host: Katie Byrne Guest: Sonya Lennon The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Chupi Sweetman, founder of bespoke jewellery brand Chupi, sits down in the Money Talksstudio to discuss how childhood shaped her view of wealth, the importance of promoting women in business, how her entrepreneurial streak kicked in at a young age, and why success isn’t always what it seems.

Host: Katie Byrne Guest: Chupi Sweetman

The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Broadcaster, podcaster, journalist, and all-round online content creator – Fionnuala Jones is regularly booked and busy in today’s media landscape. On this episode of Money Talks, she takes us through her off-the-cuff guide to second-hand shopping, the precarious nature of the influencer industry, and the joys – and challenges – of getting on the property market at a young age.

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Host: Katie Byrne  Guest: Fionnuala Jones

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Celebrated writer, broadcaster and stand-up comedian Colm O’Regan goes under the monetary microscope as he discusses the strangest job he’s ever had, some of the unique payments he’s received in comedy over the years, and what it’s really like out there for a best-selling author. Host: Katie Byrne. Guest: Colm O’Regan The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Formerly of runaway success It Galz, Jenny Claffey now hosts Red Room, a true crime podcast that digs deep into strange, unsolved mysteries. On this episode, Claffey  explains how redundancy led her to become a self-made entrepreneur in the digital space, the highs and lows of podcasting revenue, her spending obsessions and apprehensions, how to build an online community, and the financial advice that still pays off today.

Host: Katie Byrne

Guest: Jenny Claffey

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Known for his intense approach to fitness, Rob Lipsett has been building not just his body, but also a dedicated personal and professional brand. On this episode of Money Talks, he discusses early jobs, committing to YouTube, the business benefits of appearing on Love Island, and the cost of “Villa Lipsett” in Marbella. Host: Katie Byrne Guest: Rob Lipsett The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

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Welcome to the debut episode of Money Talks, a new lifestyle show from the Irish Independent where our relationship with money goes under the spotlight. First up, broadcaster and entrepreneur Lorraine Keane joins host Katie Byrne to talk about buying her first home in Foxrock at 20 and why she’s happy to be a spender rather than a saver. Host: Katie Byrne Guest: Lorraine Keane

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This is Money Talks - a podcast from the Irish Independent hosted by Katie Byrne, focused on our relationship with money - from the first time we discovered it right up to how we spend it today. Each week, you’ll hear anecdotes, advice, and eyebrow-raising admissions from Katie's guests as they delve into their finances and how it impacts their lives – the good, the bad, and the ugly. So, if that sounds like a show worth investing in, you can follow Money Talks wherever you get your podcasts... new episodes land on Wednesdays.

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