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

An episode of [Money Talks](https://invisiblenetwork.ai/podcast/1820954199), 23 Sep 2026, 26 min.

Audio: https://traffic.omny.fm/d/clips/fdd7ab40-270d-4a1e-a257-acd200da1324/c5369c14-7a94-4490-bd59-b2fe00e1cf47/fbf88aa3-46a4-404d-9b32-b4cc00e9d2cb/audio.mp3?utm_source=Podcast&in_playlist=2c6f8c62-637e-42fc-890c-b2fe00e1d71f

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.

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