23 months of business revenue, month by month, and the cushion that let my current account fall to €7,350 without any panic. The same steps work whether you want a business, a career break or just a quieter inbox.

He had read the books and listened to the podcasts. He had still never run a single number of his own. Why starting beats learning, and the three lines the whole plan fits into.

Jack Bogle hoped to raise $150 million for the first index fund. He raised $11 million and called it an abject failure. Fifty years on, the idea Wall Street laughed at holds more money than every stock picker combined.

Two years ago I handed back my Salesforce badge. It looked like courage from the outside. From where I stood, it was a checklist.

I have fifteen letters after my name and I had to look two of them up. Here is what QFA, APA, CFP and CFA actually tell you about an adviser, and the four questions the alphabet cannot answer.

A client saving 71% of his income could not answer one question: what number are you aiming at? Here is the ten-second calculation, and why every €1,000 a month of spending adds €300,000 to it.

He had €760,000 in company shares, a 682% gain and complete paralysis. Here is the risk he was really carrying, why the Irish tax bill is smaller than he thinks, and the rule that replaces picking the right day.

We tax the salary you got up for at 7am, and we barely tax the money that lands in your lap. Here is why I think Ireland has inheritance tax pointed the wrong way, and what I would do instead.

This week a client asked me to remove his testimonial from my website. I took it down straight away. Here is exactly how I handle client words, consent, and the reputation I will not trade.

In almost every couple, one person carries the money. Here are four gentle questions to make sure your plan does not live or die with just one of you.

I thought the prize for leaving tech would be the highlight reel. It wasn’t. It was the ordinary morning nobody films. Here is what financial freedom actually looks like, almost two years on.

My portfolio dropped €72,083 in one month this year. Here is why the person in your corner matters more than your stock picks when the market falls.

This week my pension passed €600,000. I have not contributed in two years, and the maths says it can grow into Ireland’s biggest legal pension on its own. Here is why.

SCSB decides how much of your Irish redundancy you keep tax free. Here’s the formula, two worked examples, and the pension move that protects even more.