In this special end-of-year episode of Beyond Money, Nick Charalambous, David Looney and Clíona O’Donoghue look back on the financial year just gone.From market movements and interest rates to pensions, property and everyday money habits, the team reflect on the biggest lessons of the year, what surprised them most, and the financial decisions that mattered. They also share practical takeaways for listeners heading into the year ahead, including what they’d do differently and what they’d carry forward.An honest, thoughtful review of the year in money, designed to help you reflect, reset and plan with confidence for what comes next