Podcasts · Business

Money Talks

Irish Independent

75 episodes

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.

More about the show

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.

Episodes page 1 of 2

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

    · 32 min

    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. ­…

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

    · 27 min

    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 –…

  3. Ireland’s new investment scheme: The positives and negatives

    · 31 min

    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,…

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

    · 31 min

    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…

  5. Budget 2027: Winners, losers and your bank balance

    · 31 min

    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,…

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

    · 33 min

    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…

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

    · 26 min

    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…

  8. Financial late bloomers: Getting started, emergency funds and the 'sleep-at-night' factor

    · 31 min

    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…

  9. Kel Galavan on the common money mistakes people make in their 30s

    · 32 min

    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…

  10. Can you really build long-term wealth by investing €100 a month?

    · 28 min

    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…

  11. How to retire as a pension millionaire, with Nick Charalambous

    · 28 min

    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…

  12. Money Makeover: €160k income, six holidays... no pension?

    · 27 min

    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. ­…

  13. ‘We've one shot to get it right’ – Eoin McGee unpacks Simon Harris’s new investment scheme

    · 32 min

    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…

  14. Anne Sheeran on choosing a four-day week over luxury holidays

    · 23 min

    ‘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…

  15. The seven phone calls that could save you thousands

    · 26 min

    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…

  16. Destination anywhere – Pól Ó Conghaile on making the most of your holiday budget

    · 22 min

    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…

  17. Could shifting your money mindset unlock your earning power?

    · 26 min

    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…

  18. Robert Whelan on how to build your first €10k

    · 22 min

    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…

  19. How a mid-year financial reset could save you thousands

    · 28 min

    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…

  20. €100, €200 or nothing at all – what wedding guests are gifting in 2026

    · 25 min

    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…

  21. How even savvy spenders lose money on cars

    · 27 min

    Whatever your preferences, and whether you like it or not, what you drive tells the world about who you are. ­ Maybe you value speed over comfort or require an SUV the size of a small school bus… Well, regardless of…

  22. Nine life-changing financial decisions hiding in plain sight

    · 31 min

    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…

  23. Financial abuse - how to spot the red flags

    · 24 min

    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…

  24. How the Puglia Paddys swapped a €3000 a month mortgage for an €86k home in Italy

    · 26 min

    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…

  25. How to build wealth on an average salary

    · 23 min

    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…

  26. I made AI my financial therapist. Is it saving me any money?

    · 25 min

    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…

  27. Tax tips that could save you thousands, with Alan Purcell of CloudAccount

    · 27 min

    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…

  28. The secret habits of financially successful couples

    · 29 min

    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…

  29. How Rosemary MacCabe and her husband are tackling $80k debt

    · 29 min

    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…

  30. How to pay off your mortgage ahead of schedule with personal finance blogger Ellie Kistnen

    · 22 min

    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…

  31. Robert Whelan on the seven silent wealth killers

    · 24 min

    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…

  32. Are Irish dodgy-box users about to get hit with fines? Plus, how to get better value from streaming services

    · 24 min

    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…

  33. Securing your child’s financial future: Money expert Cian Carolan shares his playbook

    · 26 min

    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…

  34. Mortgage rate spikes, airfare increases and soaring fuel prices – how the Iran war could hit your pocket

    · 20 min

    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…

  35. Escaping burnout: ‘I threw up on my way to work out of sheer stress and panic’

    · 23 min

    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…

  36. Andrew Lynch on Homely, the rent-to-buy startup designed to help ‘quirky’ mortgage cases

    · 28 min

    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…

  37. Heir Hunting: Maeve Mullin of Finders International Ireland on her unique and rewarding career

    · 25 min

    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,…

  38. ‘The art of the possible’ – Martina Hennessy on getting a mortgage over 40

    · 25 min

    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…

  39. “The forehead doesn’t age on its own”: Liz Dwyer on a holistic approach to Botox budgeting

    · 21 min

    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,…

  40. ‘The day we got back to zero was one of the best days of my life’ – Kel Galavan on climbing out of negative equity and learning to invest

    · 30 min

    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…

  41. “ Nothing grows in the comfort zone”: Dan Malone on making your savings work for you

    · 28 min

    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…

  42. ‘I start saving in February for next Christmas’: Irish Budgeting Mammy on her savings journey

    · 25 min

    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…

  43. “Forget loyalty”: How you could save thousands by switching your service providers

    · 36 min

    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…

  44. ‘If you can’t afford to buy it twice, you can’t afford to buy it’: Getting to grips with debt in 2026

    · 26 min

    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…

  45. “Get uncomfortable with it”: How to conquer your new year money resolutions

    · 28 min

    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…

  46. ‘Fairytale of New York’ and the commerce of Christmas songs – how much money do they make?

    · 20 min

    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…

  47. “There is a grief there”: Eoin McGee on how winning the Lotto changes lives forever

    · 31 min

    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…

  48. The biggest financial fights of Christmas - and how to avoid them

    · 21 min

    ’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…

  49. Fly In, Fly Out: ‘I made $141,000 in nine months - and had two months off at Christmas’

    · 33 min

    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…

  50. Crime World’s Nicola Tallant: ‘There’s no insurance policy – if a criminal is shot dead, their family is left with nothing'

    · 32 min

    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…

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