
The Irish FIRE Podcast
Michael Houghton
138 episodes listed below
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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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
The Mrs Smart Money Interview - Part 1
This episode introduces an interview with Cal (Mrs.
·31m - 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
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
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
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
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
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
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
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
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
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
A FIRE Conversation with Alva Damon
Dec 2, 2022·41m - 58
My Top 10 FIRE Regrets
Nov 18, 2022·17m - 59
All Roads Lead to Semi Retirement
Nov 5, 2022·13m - 60
Dealing with the Daily Grind
Sep 21, 2022·12m - 61
12 Inflation Busting Money Saving Tips
Aug 26, 2022·16m - 62
Buying Property in 2022
Jun 10, 2022·16m - 63
Flamingo FIRE - The Money Flamingo Interview
Apr 23, 2022·33m - 64
Some Things Are More Important Than Money!
Mar 22, 2022·13m - 65
The Three Phases of FI
Feb 14, 2022·13m - 66
Back in Business!
Feb 7, 2022·9m - 67
In it for the Long Haul
Jul 28, 2021·11m - 68
Investment Trusts with Andrew
Jun 5, 2021·35m - 69
The Barista FIRE Approach
May 25, 2021·13m - 70
What Should I Be Investing In?
Apr 16, 2021·19m - 71
Selling up and moving to the Canaries
Mar 24, 2021·11m - 72
The Irish Savers Action Group Interview
Feb 20, 2021·31m - 73
Passive Income - The Alternative Way to FIRE?
Jan 28, 2021·12m - 74
Should I set up a company for my investments?
Jan 16, 2021·23m - 75
Saying No to 50% Tax
Dec 7, 2020·13m - 76
Financial Independence with Dave G
Nov 6, 2020·41m - 77
Embracing Frugality
Oct 22, 2020·17m - 78
Name Your Sacrifice
Sep 7, 2020·14m - 79
Talking Financial Independence with Ken, from the Humble Penny
Aug 17, 2020·46m - 80
Buying an Investment Property with No Deposit
Aug 4, 2020·15m - 81
Talking Property with Gavin J Gallagher
Jul 27, 2020·48m - 82
The Realities of Dealing with Bad Investments
Jul 14, 2020·8m - 83
The Four Pillars of Success
Jun 23, 2020·13m - 84
Talking Financial Independence with Alan Donegan
Jun 5, 2020·38m - 85
Realisations of 2020
May 25, 2020·12m - 86
Talking Bitcoin with Andy Edstrom
May 11, 2020·38m - 87
Life After Rugby - The Jamie Heaslip Interview
Apr 28, 2020·40m - 88
Investing During a Downturn
Apr 14, 2020·18m - 89
What is Money Anyway?
Mar 31, 2020·14m - 90
What’s your Edge
Mar 17, 2020·11m - 91
Investing & Money Saving Tips with Alvar Damon
Mar 5, 2020·26m - 92
Money doesn’t grow on trees, or does it?
Feb 17, 2020·15m - 93
Bye Bye Envestio
Feb 3, 2020·13m - 94
The Day I lost €6,000
Jan 20, 2020·14m - 95
Time VS Energy
Jan 6, 2020·12m - 96
Becoming the Mexican Fisherman
Nov 25, 2019·12m - 97
The Opportunist Butterfly
Nov 12, 2019·10m - 98
How Not to Start a Business
Nov 8, 2019·11m - 99
How I became Financially Independent with Robert White
Nov 5, 2019·42m - 100
Robert Kiyosaki VS Financial Independence
Nov 1, 2019·13m - 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
What I learnt from the Madrid FIRE 2019 Conference
Oct 25, 2019·13m - 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
The 3 paths to financial independence
Oct 18, 2019·11m - 105
Peer to Peer Lending, with David Jelly from Property Bridges
Oct 15, 2019·23m - 106
Happiness VS Financial Independence
Oct 11, 2019·14m - 107
Should you cruise your way to financial independence
Oct 8, 2019·17m - 108
How to get started on your financial independence journey
Oct 1, 2019·14m - 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
Ep 29: Why my investment portfolio is so unconventional
Sep 23, 2019·0m - 111
Ep 28: Multiple Income Potentials
Sep 20, 2019·0m - 112
How we use credit cards to manage our cash flow
Sep 18, 2019·10m - 113
Ep 26: All you need to know about active and passive FOREX trading
Sep 16, 2019·0m - 114
Talking Pensions with Ralph Benson from Moneycube
Sep 11, 2019·34m - 115
Pay off debt or invest... how about both!
Sep 6, 2019·13m - 116
Financial Independence with Guy Davis
Sep 4, 2019·42m - 117
The Financial Independence Trap
Aug 30, 2019·13m - 118
Talking Financial Independence with Alvar Damen
Aug 28, 2019·47m - 119
How to build scalable businesses with Stephen Somers
Aug 26, 2019·48m - 120
Legal tax deducations when you own a company
Aug 19, 2019·19m - 121
Is financial independence a journey or a destination?
Aug 16, 2019·11m - 122
Talking Financial Independence with Rob of the Green
Aug 14, 2019·48m - 123
Welcome to the information age
Aug 9, 2019·12m - 124
The August ’19 Update
Aug 7, 2019·13m - 125
Ways to increase your income - part 3
Aug 5, 2019·17m - 126
Ways to increase your income - part 2
Aug 2, 2019·14m - 127
Ways to increase your income - part 1
Jul 31, 2019·11m - 128
Ep 11: Why you should invest in the sharemarket
Jul 29, 2019·0m - 129
Financial Indepdence with Vince Doherty
Jul 27, 2019·31m - 130
Ep 9: What we teach out kids about financial independence
Jul 10, 2019·0m - 131
Let the good times roll
Jul 2, 2019·15m - 132
Ep 7: How long would it take to be financially independent saving €3000 per month
Jul 1, 2019·0m - 133
Ep 5: Persistence, the difference between success and failure
Jun 25, 2019·0m - 134
Ep 6: How to get started in peer to peer lending
Jun 25, 2019·0m - 135
Ep 3: Why your house isn't an asset
Jun 18, 2019·0m - 136
Ep 4: How to become financially independent as a PAYE earner
Jun 18, 2019·0m - 137
Ep 2: How to take control of your money
Jun 11, 2019·0m - 138
Introduction into financial freedom
Jun 5, 2019·13m