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 

See omnystudio.com/listener for privacy information.

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.    

See omnystudio.com/listener for privacy information.

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 Talks is 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 Talks is 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 Talks podcast, 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 at independent.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

See omnystudio.com/listener for privacy information.

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)

See omnystudio.com/listener for privacy information.