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

October 28, 2026 · 32 min

Show notes

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.

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Each person we speak to for the purposes of a case study is offered an unfiltered and nonjudgmental money makeover.

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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.

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Although she started her pension at the age of 23, she believes she "doesn't have a good relationship with money".

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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.

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What advice do Katie and Cian have this time around?

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Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

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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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