Money Talks

Episodes

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  "If I have 50 clients, I have 50 incomes": How to think like an entrepreneur, with Karl Deeter 04.11.2026 36m

  As a young man, Karl Deeter tried it all – digging ditches, dog training, door-to-door insurance, bar work, paid music gigs, you name it.   A little over a year ago, Mr Deeter sold his business, Software Circle, for €9m.   He is still working over 60 hours a week.   It's fair to say he knows a thing or two about graft and entrepreneurial spirit, and so he's the latest guest in the Money Talks studio alongside host Katie Byrne.  "The funny thing is, if you love something enough and you work hard enough at it, the money finds you," Mr Deeter says.  "And I know that probably sounds like, 'Oh, that's so cliched' – it's not. It is actually how the world works.   "If you love something enough that you go for it in a way that no one else does and you're there earlier and you're there later and you're doing it with an intensity and you think about it and you read about it and you study it... the money will find you."  On this episode of Money Talks, Mr Deeter pulls back the curtain on the entrepreneur game as he details his experience, his advice and why he believes that he could make anyone a millionaire.   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.
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  Money Makeover: ‘I make €82,000 a year. It’s not enough.’  28.10.2026 31m

  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. ­ Each person we speak to for the purposes of a case study is offered an unfiltered and nonjudgmental money makeover. ­ 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. ­ Although she started her pension at the age of 23, she believes she "doesn't have a good relationship with money". ­ 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. ­ What advice do Katie and Cian have this time around? ­ 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.
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  How much money can you legally make without paying income tax? – more than you might think  21.10.2026 26m

  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.
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  Ireland’s new investment scheme: The positives and negatives  14.10.2026 30m

  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.
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  Dale Whelehan: If time is money, how do we make more of it? 07.10.2026 31m

  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.
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  Budget 2027: Winners, losers and your bank balance 06.10.2026 30m

  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.
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  Why is it ‘vulgar’ for a woman to want to be rich?   30.09.2026 33m

  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.
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  Money Makeover: 'We earn €80k combined and don’t know where the money goes’ 23.09.2026 26m

  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 productSee omnystudio.com/listener for privacy information.
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  Financial late bloomers: Getting started, emergency funds and the 'sleep-at-night' factor 16.09.2026 31m

  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/ourjournalismSee omnystudio.com/listener for privacy information.
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  Kel Galavan on the common money mistakes people make in their 30s 09.09.2026 31m

  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. ­ 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. ­ 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: Kel GalavanSee omnystudio.com/listener for privacy information.
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  Can you really build long-term wealth by investing €100 a month? 02.09.2026 28m

  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.
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  How to retire as a pension millionaire, with Nick Charalambous 26.08.2026 28m

  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. ­ 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. ­ 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: Nick CharalambousSee omnystudio.com/listener for privacy information.
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  Money Makeover: €160k income, six holidays... no pension? 19.08.2026 26m

  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. ­ Financial expert Cian Carolan joins Katie Byrne to apply the actionable advice from Money Talks to real-life circumstances faced by our listeners. ­ Today, he focuses on a couple with very different saving styles – and a looming time crisis on their pension pot. ­ 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: Cian CarolanSee omnystudio.com/listener for privacy information.
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  ‘We've one shot to get it right’ – Eoin McGee unpacks Simon Harris’s new investment scheme 12.08.2026 31m

  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 McGeeSee omnystudio.com/listener for privacy information.
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  Anne Sheeran on choosing a four-day week over luxury holidays 05.08.2026 23m

  ‘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? ­ 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. ­ Sheeran shares updates on her lifestyle and the challenges posed by her schedule on her TikTok and Instagram accounts. ­ She tells Katie why she'd choose a four-day work week over a luxury seven-day trip with her family. ­ 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.
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  The seven phone calls that could save you thousands 29.07.2026 25m

  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. ­ Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalismSee omnystudio.com/listener for privacy information.
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  Destination anywhere – Pól Ó Conghaile on making the most of your holiday budget 22.07.2026 22m

  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 at independent.ie/ourjournalismSee omnystudio.com/listener for privacy information.
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  Could shifting your money mindset unlock your earning power? 15.07.2026 26m

  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/ourjournalismSee omnystudio.com/listener for privacy information.
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  Robert Whelan on how to build your first €10k 08.07.2026 21m

  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)See omnystudio.com/listener for privacy information.
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  How a mid-year financial reset could save you thousands 01.07.2026 27m

  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 product Host: Katie Byrne | Guest: Michael Houghton (The Irish Fire Podcast)See omnystudio.com/listener for privacy information.