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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. ­ 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 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.

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 Charalambous See omnystudio.com/listener for privacy information.

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 Carolan See omnystudio.com/listener for privacy information.

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 McGee See omnystudio.com/listener for privacy information.

‘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.

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/ourjournalism See omnystudio.com/listener for privacy information.

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/ourjournalism See omnystudio.com/listener for privacy information.

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/ourjournalism See omnystudio.com/listener for privacy information.

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.