Simon Harris’s much-hyped investment scheme is official, though there’s still some way to go before you can avail of it. But we’re not going to wait until next summer to analyse and scrutinise it.

Cian Carolan, managing director at DNG Financial Services, returns to the Money Talks studio to tease out the forthcoming Personal Investment Account and discuss what you need to know ahead of time.

“There’s a couple of things that tell me that they overcomplicated it, overthought it and probably missed out on the simplicity of it,” says Carolan.

“The biggest missed opportunity of all is the July start date. We’ve been waiting around all year. We’ve had a lot of clients ourselves who’ve been deferring starting investing in anticipation of this.

“They’ve missed out on a really good year so far, at least in terms of investment returns. That’s something that needs to be called out."

The negatives and the positives – because there are some of those, too – go under the microscope on this week's episode.

Host: Katie Byrne

Guest: Cian Carolan

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product.

See omnystudio.com/listener for privacy information.

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.