The Irish FIRE Podcast

Michael Houghton

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In their own words

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 FIRE Podcast offers actionable insights to help you achieve your financial goals.

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Episodes

  1. 1

    The Elephant in the Room

    The host shares listener statistics and reflects on the niche nature of the FIRE movement while discussing his ongoing journey toward financial independence.

    ·17m
  2. 2

    The Transition to Semi Retirement

    The host shares his family's progress toward financial independence, including portfolio growth, paying off a mortgage, and transitioning into semi-retirement.

    ·14m
  3. 3

    The €9 Cup Cakes that changed how we think about money

    The host discusses recent market crashes and opportunities to buy discounted shares while sharing his personal investment journey and financial independence philosophy.

    ·15m
  4. 4

    When FIRE Goes Horribly Wrong

    The host shares his family's progress toward financial independence, including a portfolio milestone and plans for semi-retirement, while also mentioning a past forestry investment co-op.

    ·18m
  5. 5

    The Money Flamingo Tribute

    The host discusses his disappointment over not being nominated for the Irish Podcast Awards and reflects on his current unmotivated phase in his financial independence journey, which has led to positive lifestyle changes.

    ·16m
  6. 6

    The Theory of FIRE

    The host shares his experience during a mini-retirement, discussing how his family's vacation budgeting led to insights about spending versus enjoyment.

    ·14m
  7. 7

    The Truth About Work

    The host discusses his excitement about nearing the halfway point of his financial independence journey and being featured in articles on moneyflamingo.com.

    ·13m
  8. 8

    Ways to Increase Your Income - Part 4

    The host shares personal travel experiences, including a trip to Legoland and a cancelled Ryanair flight, while reflecting on budgeting and insurance as part of a broader financial independence journey.

    ·14m
  9. 9

    Enough is Enough

    The host celebrates the five-year anniversary of the Irish Fire Podcast, reflecting on significant growth in his financial independence portfolio and podcast downloads while apologizing for infrequent episode releases and promoting his monthly newsletter.

    ·15m
  10. 10

    What FIRE is Really About

    The host shares a detailed day in his life as a financial independence enthusiast, illustrating how FIRE principles enable a balanced, intentional lifestyle beyond just early retirement.

    ·20m
  11. 11

    The Great Supermarket Ripoff

    This episode explores how supermarkets manipulate consumer spending and offers practical tips for saving money on groceries to support financial independence goals.

    ·14m
  12. 12

    The Mrs Smart Money Interview - Part 2

    In part two of the interview, Cal discusses the end of her no-spend year in 2019, highlighting how small, repeated savings patterns led to cutting €27,500 in costs while enjoying a better family life and a more affordable holiday.

    ·35m
  13. 13

    The Art of Money and Communication Interview

    This episode features an interview where the host discusses his extreme financial independence journey and the universal principles of the FIRE movement.

    ·32m
  14. 14

    From Bucket List to Best Self with Shane O'Brien

    The host announces a new sponsorship with Kenco Insurance, explaining his ethical approach to partnerships and how it supports the podcast's operational costs.

    ·35m
  15. 15

    Are We FI Yet?

    The host shares a personal update about successfully booking a family trip to New Zealand at a lower cost than expected by using a travel agent, while tying it to financial independence principles.

    ·15m
  16. 16

    FIRE is for Everyone - Interview with Joshua

    This episode features an interview with Joshua, a freelance opera singer from London, discussing his unique journey toward financial independence (FIRE) and how he manages income instability while pursuing financial freedom.

    ·31m
  17. 17

    Travel & FIRE, with Stephen

    This episode features an interview with Stephen, who discusses how he uses FIRE principles to work only a few months a year in the hospitality industry while traveling extensively.

    ·41m
  18. 18

    Become a Millionaire, with Sjoerd Bak

    Host Michael Houghton introduces financial advisor Stuart Buck, who offers coaching to help tech professionals achieve financial independence and become millionaires.

    ·26m
  19. 19

    I Hate Bidding Wars

    The host shares his journey of becoming an accidental landlord in 2020 by refinancing his home to release equity instead of selling, which allowed him to buy a larger house while renting out his original property, leading to further investment property purchases.

    ·20m
  20. 20

    The Cat is Out of the Bag

    The host shares how he was approached by the Irish Independent to write about his financial independence journey, leading to a successful article and a recurring column opportunity.

    ·13m
  21. 21

    My 12 FIRE Rules - Part 2

    The host shares his personal experience with cutting back on extreme work hours as part of his financial independence journey, discussing the benefits of a more relaxed pace and unexpected emotional challenges.

    ·13m
  22. 22

    Ireland vs New Zealand: A Cost of Living Showdown

    The host compares the cost of living between Ireland and New Zealand based on his recent trip and money diary, focusing on personal finance insights.

    ·16m
  23. 23

    21 tiny habits that will help you build wealth in 2026

    The host shares personal anecdotes about a trip to New Zealand and a car breakdown while introducing a podcast focused on building wealth through small habits in 2026.

    ·22m
  24. 24

    Introducing the 20:20 Rule

    The host shares a personal story about a price increase at Aldi to introduce themes of frugality and conscious spending in financial independence.

    ·17m
  25. 25

    The Freedom Before FI Interview

    The host shares his experience of returning to work after a five-week break and republishes an interview about financial independence and freedom recorded during that time.

    ·51m
  26. 26

    5 Takeaways from ’Die With Zero’

    The host shares five key takeaways from the book 'Die With Zero', discussing its financial independence concepts while noting some repetitiveness in the content.

    ·13m
  27. 27

    6 Year Anniversary Special - The Community Strikes Back

    This special 6-year anniversary episode of the Irish Fire Podcast features host Michael Houghton discussing the Limerick FI community group that supports members in pursuing financial independence through open conversations about personal finance in an Irish context.

    ·17m
  28. 28

    Financial Independence VS Financial Freedom

    The host shares his personal journey of approaching financial independence, realizing he didn't want to fully retire but rather transition to semi-retirement where work becomes more enjoyable when not financially necessary.

    ·13m
  29. 29

    Life Options in a Post-FI World

    The host discusses his decision to hire a property manager for his investment property after realizing his conflict-avoidant personality makes tenant selection emotionally difficult.

    ·18m
  30. 30

    Stress Free FIRE - with Brian & Izabela

    This episode features an interview with Brian and Izabela, a married couple sharing their stress-free journey to financial independence (FIRE) as part of the Irish Fire Podcast.

    ·34m
  31. 31

    What Would Ramit Say?

    The host shares a personal update on achieving better work-life balance after completing an extra work project, discussing its impact on savings and the importance of intentional time management.

    ·14m
  32. 32

    The 7 Steps to FI

    The host shares his personal financial independence update, reaching a 600,000 euro portfolio milestone, and introduces his seven-step framework for achieving FI.

    ·21m
  33. 33

    The Power of FIRE

    This episode explores the FIRE (Financial Independence, Retire Early) movement, highlighting how achieving financial independence provides a 'superpower' that enhances not just personal life but also benefits friends and family through greater freedom and generosity.

    ·17m
  34. 34

    Da Simple Life

    The host discusses recent stock market volatility, advises sticking to investment plans during corrections, and shares personal updates about scaling back work and reduced monthly contributions on his financial independence journey.

    ·12m
  35. 35

    What Are You Grinding For?

    The host shares a story about meeting Anne at a meetup, where she was working excessively long hours, and discusses the importance of having a clear purpose behind hard work to avoid burnout, culminating in Anne's decision to leave her job after reflecting on her goals.

    ·15m
  36. 36

    Your Questions Answered 2023

    The host answers a listener's question about the best broker to use in Ireland for investing, recommending Degero for small accounts and warning about tax inefficiencies with ETFs.

    ·15m
  37. 37

    Good & Bad Money Spending Habits

    The host reflects on the selfish aspects of the FIRE movement and discusses how achieving financial independence can lead to opportunities for charitable giving and supporting organizations.

    ·15m
  38. 38

    Mortgages with Laura Mansbridge

    This episode features an interview with mortgage broker Laura Mansbridge, discussing how to use equity from existing properties to purchase buy-to-let investments in Ireland.

    ·30m
  39. 39

    I Don't Really Want to Retire Early - Interview with Tom - Part 2

    In this interview, Tom discusses his unconventional perspective on the FIRE movement, explaining that while he values financial independence, he doesn't want to retire early because he genuinely loves his job and finds purpose in his work.

    ·21m
  40. 40

    Realisations on 100 Episodes

    The host celebrates the 100th episode by reflecting on his family's seven-year financial independence journey, sharing portfolio milestones and rental property cash flow insights.

    ·18m
  41. 41

    The Gen Z FIRE Blueprint - Interview with Tom - Part 1

    This episode features an interview with Tom, a Gen Z member from Ireland, discussing his approach to the FIRE (Financial Independence, Retire Early) movement and personal background.

    ·22m
  42. 42

    How to Get Started in Buying Investment Property

    This episode introduces listeners to the basics of starting in investment property while emphasizing the importance of developing multiple income streams for financial freedom.

    ·15m
  43. 43

    Are Solar Panels a Good Investment?

    This episode provides a real-life user review of solar panels as an investment, focusing on long-term property ownership and optimal panel orientation.

    ·11m
  44. 44

    My 12 FIRE Rules - Part 1

    The host shares personal updates on reducing work hours and introduces the first part of his 12 FIRE rules to help listeners achieve financial independence, especially in high-tax countries like Ireland.

    ·14m
  45. 45

    The Element of Luck

    The host discusses the role of luck in achieving financial independence and early retirement, while providing a personal update on his rental property investments.

    ·13m
  46. 46

    The Mrs Smart Money Interview - Part 1

    This episode introduces an interview with Cal (Mrs.

    ·31m
  47. 47

    Property VS Stocks, With Andrew

    This episode of the Irish Fire Podcast features host Michael Houghton and returning guest Andrew discussing the comparative merits of investing in property versus stocks.

    ·26m
  48. 48

    FIRE VS Financial Advisors - an Interview with Robert Whelan

    Michael Houghton introduces the Irish FIRE Podcast, discussing the FIRE movement and the role of financial advisors in achieving financial independence.

    Apr 14, 2026·52m
  49. 49

    8 Years Later: The FIRE Mistakes That Shaped My Journey

    Host Michael Houghton introduces the podcast and shares his journey to financial independence, including a recent interview covering early FIRE mistakes.

    Mar 30, 2026·42m
  50. 50

    Planning for Withdraws in Early Retirement

    Host Michael Houghton shares a personal update on his financial independence journey, detailing how intense overtime work helped double his portfolio to 400,000 euros but led to burnout and family sacrifices, with plans to transition to more sustainable work from May.

    Mar 10, 2023·21m·2 clips
  51. 51

    Is the Traditional FIRE Movement Dead?

    Host Michael Houghton explores whether the traditional FIRE movement is fading, sharing his personal financial journey including portfolio growth and property investment strategies.

    Feb 24, 2023·14m·1 clip
  52. 52

    Coast FI with Anders, The Coast FI Guy

    This episode of The Irish FIRE Podcast features host Michael Houghton interviewing Anders, known as The Coast FI Guy, to explore the concept of Coast FI as an alternative to traditional financial independence.

    Feb 10, 2023·45m·4 clips
  53. 53

    Why I Buy Property

    Host Michael Houghton discusses why he remains bullish on property investment in Ireland despite a trend of landlords selling up due to taxes, regulation, and profitability concerns.

    Jan 27, 2023·15m
  54. 54

    The Great FIRE Myth

    Host Michael Houghton discusses the myth of early retirement in the FIRE community and the challenges of calculating a FIRE number.

    Jan 13, 2023·17m
  55. 55

    Money Principles with Jesse Borst

    Host Michael Houghton interviews portfolio manager Jessa Borst about long-term investing strategies and asset allocation.

    Dec 30, 2022·27m
  56. 56

    My Property Strategy

    Host Michael Houghton discusses how to acquire buy-to-let properties in Ireland as a path to financial independence and semi-retirement.

    Dec 16, 2022·18m
  57. 57

    A FIRE Conversation with Alva Damon

    Dec 2, 2022·41m
  58. 58

    My Top 10 FIRE Regrets

    Nov 18, 2022·17m
  59. 59

    All Roads Lead to Semi Retirement

    Nov 5, 2022·13m
  60. 60

    Dealing with the Daily Grind

    Sep 21, 2022·12m
  61. 61

    12 Inflation Busting Money Saving Tips

    Aug 26, 2022·16m
  62. 62

    Buying Property in 2022

    Jun 10, 2022·16m
  63. 63

    Flamingo FIRE - The Money Flamingo Interview

    Apr 23, 2022·33m
  64. 64

    Some Things Are More Important Than Money!

    Mar 22, 2022·13m
  65. 65

    The Three Phases of FI

    Feb 14, 2022·13m
  66. 66

    Back in Business!

    Feb 7, 2022·9m
  67. 67

    In it for the Long Haul

    Jul 28, 2021·11m
  68. 68

    Investment Trusts with Andrew

    Jun 5, 2021·35m
  69. 69

    The Barista FIRE Approach

    May 25, 2021·13m
  70. 70

    What Should I Be Investing In?

    Apr 16, 2021·19m
  71. 71

    Selling up and moving to the Canaries

    Mar 24, 2021·11m
  72. 72

    The Irish Savers Action Group Interview

    Feb 20, 2021·31m
  73. 73

    Passive Income - The Alternative Way to FIRE?

    Jan 28, 2021·12m
  74. 74

    Should I set up a company for my investments?

    Jan 16, 2021·23m
  75. 75

    Saying No to 50% Tax

    Dec 7, 2020·13m
  76. 76

    Financial Independence with Dave G

    Nov 6, 2020·41m
  77. 77

    Embracing Frugality

    Oct 22, 2020·17m
  78. 78

    Name Your Sacrifice

    Sep 7, 2020·14m
  79. 79

    Talking Financial Independence with Ken, from the Humble Penny

    Aug 17, 2020·46m
  80. 80

    Buying an Investment Property with No Deposit

    Aug 4, 2020·15m
  81. 81

    Talking Property with Gavin J Gallagher

    Jul 27, 2020·48m
  82. 82

    The Realities of Dealing with Bad Investments

    Jul 14, 2020·8m
  83. 83

    The Four Pillars of Success

    Jun 23, 2020·13m
  84. 84

    Talking Financial Independence with Alan Donegan

    Jun 5, 2020·38m
  85. 85

    Realisations of 2020

    May 25, 2020·12m
  86. 86

    Talking Bitcoin with Andy Edstrom

    May 11, 2020·38m
  87. 87

    Life After Rugby - The Jamie Heaslip Interview

    Apr 28, 2020·40m
  88. 88

    Investing During a Downturn

    Apr 14, 2020·18m
  89. 89

    What is Money Anyway?

    Mar 31, 2020·14m
  90. 90

    What’s your Edge

    Mar 17, 2020·11m
  91. 91

    Investing & Money Saving Tips with Alvar Damon

    Mar 5, 2020·26m
  92. 92

    Money doesn’t grow on trees, or does it?

    Feb 17, 2020·15m
  93. 93

    Bye Bye Envestio

    Feb 3, 2020·13m
  94. 94

    The Day I lost €6,000

    Jan 20, 2020·14m
  95. 95

    Time VS Energy

    Jan 6, 2020·12m
  96. 96

    Becoming the Mexican Fisherman

    Nov 25, 2019·12m
  97. 97

    The Opportunist Butterfly

    Nov 12, 2019·10m
  98. 98

    How Not to Start a Business

    Nov 8, 2019·11m
  99. 99

    How I became Financially Independent with Robert White

    Nov 5, 2019·42m
  100. 100

    Robert Kiyosaki VS Financial Independence

    Nov 1, 2019·13m
  101. 101

    Financial Independence with Mrs Money Hacker

    Host Michael Houghton interviews Megan (Miss Money Hacker) about her journey to financial independence, balancing FIRE with motherhood and environmentalism, and building a contracting business.

    Oct 30, 2019·36m
  102. 102

    What I learnt from the Madrid FIRE 2019 Conference

    Oct 25, 2019·13m
  103. 103

    Financial Independence as an employee, with Alvar Damen

    Michael Houghton interviews Alva Damond about pursuing financial independence as a full-time employee in the UK.

    Oct 22, 2019·31m
  104. 104

    The 3 paths to financial independence

    Oct 18, 2019·11m
  105. 105

    Peer to Peer Lending, with David Jelly from Property Bridges

    Oct 15, 2019·23m
  106. 106

    Happiness VS Financial Independence

    Oct 11, 2019·14m
  107. 107

    Should you cruise your way to financial independence

    Oct 8, 2019·17m
  108. 108

    How to get started on your financial independence journey

    Oct 1, 2019·14m
  109. 109

    Talking money with Aoife Gaffney

    Host Michael Houghton interviews money coach Aoife Gaffney about behavioral money coaching and personal finance strategies for achieving financial independence in Ireland.

    Sep 26, 2019·32m
  110. 110

    Ep 29: Why my investment portfolio is so unconventional

    Sep 23, 2019·0m
  111. 111

    Ep 28: Multiple Income Potentials

    Sep 20, 2019·0m
  112. 112

    How we use credit cards to manage our cash flow

    Sep 18, 2019·10m
  113. 113

    Ep 26: All you need to know about active and passive FOREX trading

    Sep 16, 2019·0m
  114. 114

    Talking Pensions with Ralph Benson from Moneycube

    Sep 11, 2019·34m
  115. 115

    Pay off debt or invest... how about both!

    Sep 6, 2019·13m
  116. 116

    Financial Independence with Guy Davis

    Sep 4, 2019·42m
  117. 117

    The Financial Independence Trap

    Aug 30, 2019·13m
  118. 118

    Talking Financial Independence with Alvar Damen

    Aug 28, 2019·47m
  119. 119

    How to build scalable businesses with Stephen Somers

    Aug 26, 2019·48m
  120. 120

    Legal tax deducations when you own a company

    Aug 19, 2019·19m
  121. 121

    Is financial independence a journey or a destination?

    Aug 16, 2019·11m
  122. 122

    Talking Financial Independence with Rob of the Green

    Aug 14, 2019·48m
  123. 123

    Welcome to the information age

    Aug 9, 2019·12m
  124. 124

    The August ’19 Update

    Aug 7, 2019·13m
  125. 125

    Ways to increase your income - part 3

    Aug 5, 2019·17m
  126. 126

    Ways to increase your income - part 2

    Aug 2, 2019·14m
  127. 127

    Ways to increase your income - part 1

    Jul 31, 2019·11m
  128. 128

    Ep 11: Why you should invest in the sharemarket

    Jul 29, 2019·0m
  129. 129

    Financial Indepdence with Vince Doherty

    Jul 27, 2019·31m
  130. 130

    Ep 9: What we teach out kids about financial independence

    Jul 10, 2019·0m
  131. 131

    Let the good times roll

    Jul 2, 2019·15m
  132. 132

    Ep 7: How long would it take to be financially independent saving €3000 per month

    Jul 1, 2019·0m
  133. 133

    Ep 5: Persistence, the difference between success and failure

    Jun 25, 2019·0m
  134. 134

    Ep 6: How to get started in peer to peer lending

    Jun 25, 2019·0m
  135. 135

    Ep 3: Why your house isn't an asset

    Jun 18, 2019·0m
  136. 136

    Ep 4: How to become financially independent as a PAYE earner

    Jun 18, 2019·0m
  137. 137

    Ep 2: How to take control of your money

    Jun 11, 2019·0m
  138. 138

    Introduction into financial freedom

    Jun 5, 2019·13m