Money Talks

Irish Independent
Irish Independent

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.

  1. 3d ago

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

    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.

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

  2. Oct 28

    Money Makeover: ‘I make €82,000 a year. It’s not enough.’ 

    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.

    Money Makeover: ‘I make €82,000 a year. It’s not enough.’ 

  3. Oct 21

    How much money can you legally make without paying income tax? – more than you might think 

    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.

    How much money can you legally make without paying income tax? – more than you might think 

  4. Oct 14

    Ireland’s new investment scheme: The positives and negatives 

    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.

    Ireland’s new investment scheme: The positives and negatives 

  5. Oct 7

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

    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.

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

  6. Oct 6

    Budget 2027: Winners, losers and your bank balance

    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.

    Budget 2027: Winners, losers and your bank balance

  7. Sep 30

    Why is it ‘vulgar’ for a woman to want to be rich?  

    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.

    Why is it ‘vulgar’ for a woman to want to be rich?  

  8. Sep 23

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

    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.

    Money Makeover: 'We earn €80k combined and don’t know where the money goes’
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About

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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