Working towards financial independence with a partner who spends more than you
How to work towards financial independence with a partner who spends more and/or earns less than you.
Irish Posts
How ETFs really compare to stocks
This post will compare a 20-year investment into stocks and ETFs in Ireland. I will show how ETFs really compare to stocks. On a high level, even though you pay more tax with an ETF, your real rate of return isn’t much lower than stocks as stocks have higher purchase costs. This results in a … Read more
How the pandemic has changed my investments
This post will go through my take on how the pandemic market volatility and uncertainty has changed my investment strategy and financial freedom plan. Firstly, before I get into a financial post, I want to acknowledge that people are losing their lives. Front line workers are exposing themselves every day to help fight this pandemic. … Read more
Things I’m glad I have during the lockdown
The lockdown has me thinking more and more about our journey to reduce waste and attempt to find reusable, non-toxic solutions for almost everything in our home. This approach has served us well in the lockdown and we are grateful we are not running out or needing to stock up on various items. Some of … Read more
Setting up a company in Ireland
There are a few options when looking to set up a company in Ireland. This post looks at the pros and cons, tax optimisations, costs and administration efforts of each. I’m open to correction on any of the below but this is what I have found so far. Options These are the options I will … Read more
How to invest in Ireland
A while back I did a post on all I’d learned to date on investing in Canada. This post will summarise how to invest in Ireland. Investing your hard earned money can be scary! I read up on investing extensively for 2 years before I took the plunge. I suffered from something called analysis paralysis. … Read more
Coffee with Amon and Christina of Our Rich Journey
When I was planning our mini-retirement in Portugal I thought I’d chance my arm and try to schedule a meetup with FIRE YouTube stars Amon and Christina from the “Our Rich Journey” channel. Luckily our schedules lined up and they graciously agreed to meet my sister and I for coffee. This post covers most of … Read more
Are pensions the best investment in Ireland?
A while ago I compared pensions to self directed investments. This post looks at how pensions stack up to an ETF portfolio over a 40 year withdrawal period. It also shows the impact management fees and performance can have on your pension over time. Ultimately I answer whether pensions are the best investment in Ireland. … Read more
What we learned from our mini-retirement
The main purpose of the mini-retirement was to recuperate from sleep deprivation more cheaply than at home. Unexpectedly, we actually realised a number of other things about our future early retirement goals. This post covers all the things we learned from our mini-retirement. Our early retirement plan We were leaning towards the option of reaching … Read more
Tax loopholes for Irish investors
This post goes into possible tax loopholes for Irish investors depending on residency and intention to live permanently in Ireland. A previous post highlighted why Ireland’s tax system gets too much flack. However, I am still on the hunt for any tax advantages I can get. I think I may have found some decent, legal … Read more