Despite the name of this show, actually talking about money can be a bit of a headache.

For some of us, it's honestly the last thing we want to have a conversation about.

Household bills. Outstanding debts. Restaurant etiquette. Group holidays. It can get messy. But worry not – there are many different ways to defuse the situation.

This week on Money Talks, host Katie Byrne is joined by Irish Independent money writer Saoirse Hanley to have some of those tricky discussions.

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.

See omnystudio.com/listener for privacy information.

As a young man, Karl Deeter tried it all – digging ditches, dog training, door-to-door insurance, bar work, paid music gigs, you name it.

A little over a year ago, Mr Deeter sold his business, Software Circle, for €9m.

He is still working over 60 hours a week.

It's fair to say he knows a thing or two about graft and entrepreneurial spirit, and so he's the latest guest in the Money Talks studio alongside host Katie Byrne.

"The funny thing is, if you love something enough and you work hard enough at it, the money finds you," Mr Deeter says.

"And I know that probably sounds like, 'Oh, that's so cliched' – it's not. It is actually how the world works.

"If you love something enough that you go for it in a way that no one else does and you're there earlier and you're there later and you're doing it with an intensity and you think about it and you read about it and you study it... the money will find you."

On this episode of Money Talks, Mr Deeter pulls back the curtain on the entrepreneur game as he details his experience, his advice and why he believes that he could make anyone a millionaire.

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.

See omnystudio.com/listener for privacy information.

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.

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Each person we speak to for the purposes of a case study is offered an unfiltered and nonjudgmental money makeover.

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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.

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Although she started her pension at the age of 23, she believes she "doesn't have a good relationship with money".

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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.

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What advice do Katie and Cian have this time around?

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Money Talks is part of the Trust Project. You can see our ethics policies at independent.ie/ourjournalism

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The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product.

See omnystudio.com/listener for privacy information.