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PODCAST

The Irish FIRE Podcast

Michael Houghton

The Irish FIRE Podcast explores the journey to financial independence and early retirement from an Irish perspective. Hosted by Michael Houghton, the podcast covers practical strategies for saving, investing, and working towards financial independence. Each episode dives into topics like tax efficiency, property investment, pensions, and lifestyle optimization, all tailored to the unique challenges and opportunities in Ireland. Whether you’re just starting out or well on your FIRE journey, The Irish

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All Episodes

15:44

12 Inflation Busting Money Saving Tips

The Irish FIRE Podcast ·

2022/08/26

In this episode, Michael shares a list of 12 ideas to help reduce expenses. With inflation running at 40 year highs, reducing expenses can be a great way to tackle the impact on inflation. Be sure to subscribe to the Monthly Newsletter to keep up with Michael's latest portfolio updates: https://www.firepodcast.ie/newsletter Show Notes Article on upgrading to a more economic car: https://www.firepodcast.ie/march-2022-portfolio-update Article on Solar Panel

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15:36

Buying Property in 2022

The Irish FIRE Podcast ·

2022/06/10

In this episode, Michael shares his story of buying an investment property in 2022. He shares his high's and low's of activity looking for an investment property in Limerick - and explains what has changed in 2022 when buying a property. Show Notes Join The Irish FIRE Newsletter by visiting: https://www.firepodcast.ie/newsletter

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33:22

Flamingo FIRE - The Money Flamingo Interview

The Irish FIRE Podcast ·

2022/04/23

In this episode, Michael talks to the author of the Money Flamingo Blog. Tina is originally from Europe and is now living in Australia. She become "Flamingo FI" in 2020 and has been living a semi retired lifestyle since then. Tina tells her own story, and shares her wisdom of why she adopted Flamingo FI. As she mentions, "the real goal is the happiness that you can achieve along the path [to FI]". Show Notes: Check out Tina's blog at (and join her newsletter): https://www.moneyflamingo.com Coast

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13:20

Some Things Are More Important Than Money!

The Irish FIRE Podcast ·

2022/03/22

In this episode, Michael takes a moment to reflect on the Ukraine War. He mentions that it is hard to discuss personal finance when there is a war going on in Europe. He talks about luck and the impact that that has on one's FIRE journey. He mentions that it has become difficult to try to forecast investment returns over the next number of years and this makes planning for early retirement nearly impossible. He touches on interest rates and the impact this will have on housing, as well as

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12:41

The Three Phases of FI

The Irish FIRE Podcast ·

2022/02/14

In this episode Michael discusses the three phases for FI. Michael shares how he is currently at a full throttle FIRE stage, where he is looking to maximise his income potential. He mentions that working hard for a full months can be worth it, if it helps you move along quickly in your FI journey, or helps to secure another significant asset, such as an investment property. He mentions concept of the semi-retirement phase, where we look to cut back on making portfolio contributions and enjoy more

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35:12

Investment Trusts with Andrew Driver

The Irish FIRE Podcast ·

2021/06/05

In this special two year anniversary episode, Michael interviews Andrew Driver. Andrew has been investing for a number of years and is well on his way to FI. In the interview, we talk about Investment Trusts, which are a great way to get around the horrid Deemed Disposal tax that exists in Ireland. Invest Trusts are taxed at 33% and dividends are taxed at your Income Tax Rate - so they are a tax efficient way to invest in Ireland. Disclaimer: This interview is not financial advise - please take

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13:26

The Barista FIRE Approach

The Irish FIRE Podcast ·

2021/05/25

In this episode, Michael discusses The Barista FIRE Approach - the concept of building a small portfolio and letting compounding grow the portfolio while not withdrawing from the portfolio until when you retire. Barista FIRE is a great approach to FIRE in Ireland, as its an extremely tax efficient way to approach early retirement, and still allows for an early retirement age of 55. Subscribe to the newsletter to stay in touch with regular monthly updates: https://www.firepodcast.ie/members

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19:17

What Should I Be Investing In?

The Irish FIRE Podcast ·

2021/04/16

In this episode, Michael discusses the options around what he invests in 2021 and provides an update on how his investments has changed over the last 3 years. He answers questions such as: - Do I still invest in Peer to Peer Lending? - What is the best way to save for my children's college fund? - What is the most tax efficient way to invest as a sole trader? - Why do I say that Cryptocurrency looks like a better investment than ETFs in Ireland? To keep up to date with Michael's journey, subscribe

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11:21

Selling up and moving to the Canaries

The Irish FIRE Podcast ·

2021/03/24

In this episode, Michael answers a question from Sinead, who has recently sold up her property in Ireland and has moved to the Canaries. Michael works through the numbers, to see if it is possible for Sinead to be financially independent within 5 years. To keep up to date with Michael's journey, subscribe to the monthly newsletter at: https://www.firepodcast.ie/members

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31:16

The Irish Savers Action Group Interview

The Irish FIRE Podcast ·

2021/02/20

In this episode, Michael interviews Sean and Sinead from The Irish Savers Action Group (ISAG) Interview. They are on a mission to promote financial literacy and to push positive progressive changes in the Irish investment tax rates. You can learn more about ISAG at the following places: ISAG Website: https://isag.ie ISAG Facebook Page: https://www.facebook.com/groups/255087048882194 Join The Irish FIRE Monthly Newsletter at: https://www.firepodcast.ie/newsletter

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12:18

Passive Income - The Alternative Way to FIRE?

The Irish FIRE Podcast ·

2021/01/28

In this episode, Michael explores an alternative way to becoming financially independent - by building passive income streams. Michael defines passive income as any income that isn't generated directly to your time (e.g. selling your time for money). Michael compares some recent passive income that he has started to generate for himself against a traditional FIRE portfolio, to show how passive income can play a vital part towards your FI journey. Show Notes: Things mentioned on the

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22:37

Should I set up a company for my investments?

The Irish FIRE Podcast ·

2021/01/16

In the first episode of 2021, Michael announces that the format of the show for 2021 will change slightly. Michael will answer questions he gets on financial independence from listeners this year - typically answering two or three questions per episode. Michael gives a quick update on his own financial journey, before answering the following questions in this episode: 1. Should I set up a company to use as a vehicle for my investments? 2. Should I fear market crashes? 3. When it comes to

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12:51

Saying No to 50% Tax

The Irish FIRE Podcast ·

2020/12/07

In this episode, Michael discusses the strategies he has adopted to reduce his tax bill. He explains how he is able to reduce his actual effective personal tax rate to less than 9% living in Ireland (a high tax country). He also gives an update on his investment portfolio as at December 2020. Show Notes: Learn more at: https://www.firepodcast.ie

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41:02

Financial Independence with Dave G

The Irish FIRE Podcast ·

2020/11/06

Michael interviews Dave G, a co-host of the Limerick FI meet up group. Dave is based in Newcastle West, in Co. Limerick. Dave is originally from the UK and is a PAYE earner. He has a unique FIRE journey is looking to become FI through real estate investing. During the interview, we talk mindset, investing and how Dave keeps motivated on this FIRE journey. Show Notes: Check out Dave's website at: https://www.firedave.com Limerick FI Meet Up

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17:04

Embracing Frugality

The Irish FIRE Podcast ·

2020/10/22

In this episode, Michael mentions how his family embraced frugality and how they were able to reduce their expenses by a significant amount. He gives specific examples and leaves the episode with a challenge for you to take with you on how you can start embracing frugality. Show Notes: Pete Adeney (Mr. Money Mustache) - Full Talk at WDS 2016 https://www.youtube.com/watch?v=8BDWih309wc Become an Irish FIRE Podcast member at: https://www.firepodcast.ie/register

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13:52

Name Your Sacrifice

The Irish FIRE Podcast ·

2020/09/07

In this episode, Michael discusses the sacrifices one needs to make when pursuing financial independence. He relates it back to his own decision and mentions why he realised that his time freedom movement was taking him away from his ultimate goal of becoming FI. Show Notes Fire HQ - Online FIRE Event: https://www.firehq.ie Mad Fientist - FI Laboratory https://lab.madfientist.com Savings Calculator https://calculator.me/savings Become an Irish FIRE Podcast member

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45:50

Talking Financial Independence with Ken, from the...

The Irish FIRE Podcast ·

2020/08/17

In this episode, Michael talks with Ken, who runs the blog "The Humble Penny". Ken is based in the UK and become financially independence at aged 34. Topics covered in the interview include: 1. How Ken and his family were able to become financially independence within 10 years, through investments, multiple cashflow streams and businesses. 2. How can you use two hours per day to create a dream life. 3. How do you keep your get up and go and learn from your mistakes? 4. How do you deal with fame

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15:06

Buying an Investment Property with No Deposit

The Irish FIRE Podcast ·

2020/08/04

In this episode, Michael provides specific details about how he was able to put a deal together to use equity from his home to purchase an investment property in Ireland. Show Notes: The Mortgage Broker: Hugh Mulcahy - https://www.fcfs.ie/team/hugh-mulcahy/ Become an Irish FIRE Podcast member at: https://www.firepodcast.ie/register

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48:25

Talking Property with Gavin J Gallagher

The Irish FIRE Podcast ·

2020/07/27

In this episode, Michael talks with Gavin J Gallagher about property. Gavin owns and operates the East Point Business Park in Dublin, but has also worked on hundreds of property deals over the last 25 years. Quotes from the Episode: "If you go into it blind, you can lose your shirt in this [property] business"... "I wouldn't rush into this with your eyes closed." "Be the Dealmaker." "This [property] is a team business." "The first deal is the best you will do, because of the tight learning

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08:07

The Realities of Dealing with Bad Investments

The Irish FIRE Podcast ·

2020/07/14

In this episode, Michael shares his recent experiences (in story telling format) of some of his failed investments and ventures and the outcomes and downsides from dealing with the consequences. He explains how he over-engineered financial independence and how while he initially freed up time by working part time, that free time was quickly taken away by over committing to too many ventures. The episode provides some good advise - hopefully you can learn from his mistakes!

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