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Money Talks: Real Financial Independence Chats

Money Talks: Real Financial Independence Chats

Written by: Tracy Irwin
Listen for free

About this listen

Because your money story could change everything


Let's be honest – we all stress about money, but nobody actually talks about it. Until now.


I'm Tracy, and my passion for financial independence started young, watching my mum skip meals because she wasn't given enough money to feed herself as well as my brother and me.


That moment shaped everything and gave me a fierce determination to never need to rely on anyone for money.


This isn't your typical "look how successful I am" business podcast. These are real, honest conversations with real people about their messy, imperfect money journeys – the struggles, the breakthroughs, the setbacks, and what financial independence actually means to them.


What you'll get:
• Judgment-free conversations about money (revolutionary, I know!)
• Real stories from people still figuring it out AND those who've found their groove
• The messy bits alongside the victories (because that's real life)
• Proof that you're not failing – you're just human


Perfect for you if:
• You've ever stressed about money (haven't we all?!)
• You're tired of perfect success stories that don't feel real
• You want to feel less alone in your financial journey
• You believe everyone deserves financial dignity and choice


No flashy social media version of success here – just the real, practical kind that means never feeling powerless about money again.


From Tracy Irwin, Time Freedom Alchemist – helping you realise your money story matters, and you're definitely not alone in this.

© 2026 Money Talks: Real Financial Independence Chats
Economics Leadership Management & Leadership
Episodes
  • Money Talks: Financial Independence chats with Tracy Irwin - Episode Nine Angela Richardson
    Jan 21 2026

    Real talk about business, resilience, and what financial independence really means with telecoms and property entrepreneur Angela Richardson.

    This isn’t your typical “overnight success” story. It’s the honest, behind-the-scenes look at juggling business, family, and curveballs—where the wins are hard-fought, and the lessons are real.

    In this episode, you’ll discover:

    💚 How Angela built a thriving telecoms company from scratch, with zero business background
    💚 The reality of running a business through divorce, single parenting, and family illness
    💚 Why the right people (staff, partners, clients) make all the difference
    💚 The power of trusting your gut—even when it means starting over
    💚 How manifestation, mindset, and a little bit of luck can change everything
    💚 Practical ways to keep your business running (and your sanity intact) when life gets messy

    Perfect for you if:

    💚 You’ve ever felt like you’re spinning plates and dropping most of them
    💚 You want to hear the truth about what it takes to survive and thrive as a business owner
    💚 You’re looking for inspiration that doesn’t gloss over the tough stuff
    💚 You believe financial independence is about more than just money—it’s about freedom, choice, and living on your own terms

    Resources:

    💚 Angela’s website: rangecomms.co.uk
    💚 LinkedIn: Range Communications
    💚 Instagram: @rangecomms
    💚 Facebook: Range Communications
    ________________________________________

    🚀 About The Money Metrics Academy

    We’re not just another business course. We’re a movement to help every business owner understand their numbers, pay themselves properly, and achieve true financial independence.

    Join thousands of business owners who are:

    💚 Mastering their finances in under 1 hour per week
    💚 Finally paying themselves what they deserve
    💚 Creating businesses that work for them, not against them
    💚 Building real wealth and time freedom

    Perfect for:

    💚 Service-based business owners (£75k–£2.5M turnover)
    💚 Entrepreneurs tired of sacrificing income for passion
    💚 Business owners ready to understand their numbers
    💚 Anyone seeking genuine financial independence

    🔥 Ready to transform your business?

    Stop sacrificing your income for your passion. Join a community that transforms lives and celebrates each other’s wins.
    ________________________________________

    If you’re new to the Money Talks Podcast, I’m so glad you’re here—hit subscribe and stay for more real conversations!

    👇SUBSCRIBE HERE
    https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1

    𝐖𝐚𝐧𝐭 𝐭𝐨 𝐬𝐞𝐞 𝐦𝐨𝐫𝐞 𝐜𝐨𝐧𝐭𝐞𝐧𝐭 𝐥𝐢𝐤𝐞 𝐭𝐡𝐢𝐬...?

    👍 Like the video (it helps a ton!)
    💬 Comment below to share your thoughts
    🔗 Share the episode with someone who needs it
    📧 For business enquiries: tracy@tracyirwin.co.uk

    📱 Stay connected:
    » LinkedIn
    » Instagram
    » Facebook
    📞 Book a discovery call: Book here

    🟢 Join the complimentary community for peer support: Join here

    🎬 Suggested Videos
    ▶️ Recharge Your Brain: How Time Off Can Transform Your Business
    https://youtu.be/yaljSzF8FOc

    ▶️ Friday Finker – Your Easter Weekend Challenge for Time Freedom & Success
    https://youtu.be/MBd4LjyVa00

    Stop Guessing: The 6 Numbers That Will Make or BREAK Your Business!

    #businessgrowth #financialfreedom #businessmetrics #timemanagement #profitfirst #businesssuccess #smallbusinesstips #entrepreneurmindset #knowyournumbers #timefreedom #worksmarternotharder #financialfreedom #scaleyourbusiness #onlinebusinesscoach #moneymetrics #businesscoaching #profitnotvanity #sixfigurebusiness #burnouttofreedom

    💚 Thanks for watching! 💚

    Show More Show Less
    48 mins
  • Money Talks: Financial Independence chats with Tracy Irwin - Episode Eight Marie-Louise O'Neill
    Jan 7 2026

    Real talk about juggling business, family, curveballs and the honest pursuit of financial independence with branding and Canva expert, Marie-Louise O’Neill.

    This isn’t a highlight reel. It’s the messy, uplifting truth about building a business while caring for loved ones, navigating health challenges, and finding your version of success—one step at a time.

    In this episode, you’ll hear:

    💚 How Marie-Louise built her creative business after being shut out of flexible employment
    💚 The reality of running a business through maternity leave, family health crises and school holidays
    💚 Why recurring income (like a membership) is a lifeline, but not always the magic bullet
    💚 Real strategies for staying motivated through tough times and why “just get on with it” isn’t always the answer
    💚 The power of community, honest conversations and asking for help, especially when you’re the one holding it all together
    💚 The truth about financial independence as a journey, not a destination

    Perfect for you if:

    💚 You’re balancing business with caring responsibilities or family life
    💚 You want honest, practical advice about money, mindset and motivation
    💚 You’re tired of “overnight success” stories and want to hear what it’s really like
    💚 You need a reminder that it’s okay to take things one day at a time

    Resources:

    💚 Marie-Louise’s membership: Lovely Canva Club
    💚 Free app: Build Your Brand with Canva
    💚 LinkedIn: Marie-Louise O’Neill
    💚 Instagram: @lovelyevolutiondesign
    ________________________________________

    🚀 About The Money Metrics Academy

    We’re not just another business course. We’re building a movement to help every business owner understand their numbers, pay themselves properly, and achieve true financial independence.

    📈 Join thousands of business owners who are:

    💚 Mastering their business finances in under 1 hour per week
    💚 Finally paying themselves what they deserve
    💚Creating businesses that work FOR them, not against them
    💚 Building real wealth and time freedom

    🎯 Perfect for:

    💚 Service-based business owners (£75k–£2.5M turnover)
    💚 Entrepreneurs tired of sacrificing income for passion
    💚 Business owners ready to understand their numbers
    💚 Anyone seeking genuine financial independence

    🔥 Ready to transform your business? Stop sacrificing your income for your passion. Join a community that genuinely transforms lives and celebrates each other’s wins.

    If you’re new to the Money Talks Podcast, thank you for clicking on my video! I hope this episode inspires you to stick around.

    👇 SUBSCRIBE HERE
    https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1
    Want to see more content like this?
    ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
    👍 Like the video (it helps a ton!)
    💬 Comment below to share your experience or thoughts
    🔗 Share the video with anyone who might benefit
    ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
    📧 For Business Enquiries: tracy@tracyirwin.co.uk
    📱 Stay Tuned On Social Media:
    LinkedIn – https://www.linkedin.com/in/tracyalaineirwin/
    Instagram – https://www.instagram.com/tracyirwinfd/
    Facebook – https://www.facebook.com/tracyirwintfa

    📞 Book a discovery call: https://calendly.com/tracy-successbynumbers/discovery-call
    🟢 Join the Complimentary community for peer support: https://moneymetrics.scoreapp.com/

    🎬 SUGGESTED VIDEOS
    Don’t forget to check out my other videos:
    ▶️ Recharge Your Brain: How Time Off Can Transform Your Business
    https://youtu.be/yaljSzF8FOc
    ▶️ Friday Finker – Your Easter Weekend Challenge for Time Freedom & Success https://youtu.be/MBd4LjyVa00

    Stop Guessing: The 6 Numbers That Will Make or BREAK Your Business!

    Show More Show Less
    52 mins
  • Money Talks: Financial Independence chats with Tracy Irwin - Episode Seven Andrew Mccardle
    Dec 24 2025

    The Real Truth About Financial Independence: Andy McArdle’s Story

    Forget the shiny success stories. This episode is a real, honest chat with Edinburgh’s Andy McArdle – postie, family man, and side-hustle mentor – about what financial independence actually means when you’re juggling a full-time job, family, and a business.

    You’ll hear:

    • Why financial independence is about choices, not just money
    • How Andy built a business around his job (and why he never wants to swap one full-time job for another)
    • The reality of time management – what happens when you overbook yourself, and how to reclaim your evenings for family
    • Andy’s mindset shifts: from working overtime for a payslip, to building residual income for freedom
    • Practical tips on journaling, goal setting, and planning your life
    • How networking and the right people can change everything
    • The joy of small wins – like funding your child’s passion or never missing family time again


    Perfect for you if:

    💚 You’re working long hours but still feel stuck
    💚 You want the unfiltered truth about balancing work, business, and family
    💚 You’re looking for real steps to start your own journey to financial independence
    💚 You need proof you don’t have to sacrifice everything for success

    Connect with Andy:

    LinkedIn: Andrew McArdle

    Facebook: Andy McArdle

    🚀 About The Money Metrics Academy

    We’re not just another business course. Our mission is simple: help every business owner understand their numbers, pay themselves properly, and achieve true financial independence.

    Join business owners who are:

    • Mastering their finances in under 1 hour a week

    • Finally paying themselves what they deserve

    • Creating businesses that work for them

    • Building real wealth and time freedom

    🎯 Perfect for:

    Service-based business owners (£75k–£2.5M turnover)

    Entrepreneurs tired of sacrificing income for passion

    Anyone ready to understand their numbers

    Anyone seeking genuine financial independence

    🔥 Ready to transform your business?

    Stop sacrificing your income for your passion. Join a community that genuinely celebrates each other’s success.

    If you’re new to the Money Talks Podcast, welcome!

    Don’t forget to subscribe for more honest conversations about business, money, and living life on your terms.

    👇 Subscribe here

    https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1

    Want more content like this?

    👍 Like the video

    💬 Comment below

    🔗 Share with someone who’ll benefit

    Business enquiries: tracy@tracyirwin.co.uk

    Stay connected:

    LinkedIn: tracyalaineirwin

    Instagram: tracyirwinfd

    Facebook: tracyirwintfa

    Book a call: Discovery Call

    Join the community: Peer Support

    🎬 Suggested videos:

    Recharge Your Brain: How Time Off Can Transform Your Business

    https://youtu.be/yaljSzF8FOc

    Friday Finker – Your Easter Weekend Challenge for Time Freedom & Success

    https://youtu.be/MBd4LjyVa00

    #scaleyourbusiness #onlinebusinesscoach #moneymetrics #businesscoaching

    💖Thanks for listening!💖

    Show More Show Less
    46 mins
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