Every €1,000 a Month You Spend Adds €300,000 to Your Freedom Number
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.
Too Much Company Stock? You Need a Rule, Not the Right Day
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.
Why Inheritance Tax Might Be the Fairest Tax Ireland Has
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.
A Client Asked Me to Remove His Testimonial: How I Handle Trust and Consent
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.
The Money Conversation Most Couples Avoid
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.
The Tuesday Nobody Films: What Financial Freedom Really Looks Like
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.
Who Is in Your Corner When the Market Falls?
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.
My Pension Hit €600,000: Why I May Never Contribute Again
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: How Irish Tech Workers Keep More of Their Redundancy Tax-Free
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.