Clare Byrne

Now, how difficult or complicated is it to get yourself on a long term and firm financial footing?

Well, let's find out with MD of D&G Financial Services, Cian Carroll.

Good morning, Cian.

Morning, Clare.

Thank you for coming in.

So before we think about building wealth, which sounds like a big mountain to climb, I know for many people, are there things that we need to sort out, a foundation that we need to put in place?

Well, let's imagine that we have those things done, that the expensive debt is dealt with and that there's a buffer there.

So then what do we do to try and slowly build this money for the future?

I suppose you have to have capacity to do all of this planning and saving you know even by you know if you want to increase your pension contribution by that small amount that you mentioned there 2% of your income you have to have that sitting there and you have to be you know have money left at the end of the month to be able

able to do that.

And what is an accessible way to assess your monthly or weekly outgoings?

How do you do it?

Should it be a percentage then of your income every month?

Yeah.

So going back to building wealth slowly, I mean, these years pass quickly, don't they?

AI, of course, infiltrating every part of Irish life.

People using it to address their financial problems, Cian?

OK, Cian, thank you very much for coming in.

Cian Carroll in there, MD of DNG Financial Services.

And we all need to sit down and do an audit, don't we, of what we're spending.