The Hard Shoulder Financial planning advice for your thirties and forties
Aug 12, 2025
Sinead Ryan, a Consumer Journalist with the Irish Independent and Presenter of the Home Show on Newstalk, shares valuable financial insights tailored for those in their thirties and forties. She emphasizes the need for detailed budgeting to navigate life’s complexities, especially for parents. Listeners learn about the difference between superficial wealth and genuine financial security. Sinead also discusses common misconceptions about wealth, the importance of monitoring finances, and the potential benefits of involving financial advisors for better planning.
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The Juggling Years Require Organisation
- Your thirties to mid-forties are the 'juggling years' with highest expenses and many financial claims on income.
- Sinead Ryan says discipline and organisation become crucial because few income sources must cover many outgoings.
Do Two Financial Checkups A Year
- Do two focused sessions a year to organise your finances and set up accounts so money flows correctly.
- Sinead Ryan compares it to setting up online groceries once and then just tweaking thereafter.
Write A Personal Balance Sheet
- Do a full balance-sheet exercise: list what you own and what you owe to know your net position.
- Sinead Ryan says this clarifies whether you're servicing debts and gives a clear financial picture.