LED astray - Kerry volunteers rescue seabirds sent off-course at outset of migration by modern lights

Money Talks Money Makeover: 'I make €82,000 a year. It's not enough.' Every month on Money Talks, we step away from in-depth how-tos and entrepreneurial journeys to delve into the personal side of finance with host Katie Byrne, financial expert Cian Carolan and you, the audience. Each person we speak to for the purposes of a case study is offered an unfiltered and nonjudgmental money makeover. In this episode, Katie and Cian assess the balance sheet of a 36-year-old woman who is making €82,000 a year yet feels she isn't earning enough for her age. Although she started her pension at the age of 23, she believes she 'doesn't have a good relationship with money'. Her short-term goal is to buy a house in Dublin – the location is non-negotiable – while her medium- and long-term goals are emergency fund-focused. What advice do Katie and Cian have this time around? Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.