@iamzayade: 4 accounts. that's all it takes to feel in control of your financial life. 1 pension. if your employer matches and you're not taking it, you're saying no to free money. i know. i didn't get it either for way too long. 2 a high yield savings account. not your current account earning 0.01%. somewhere your emergency fund actually grows and the DIRT gets sorted for you so it's one less thing to think about. 3 an investment account. this is the long game, the boring one that quietly does the heavy lifting while you live your life. 4 and this is the one nobody talks about. a soft life account. the trip, the hair, the dinner with your girls. you don't earn this by depriving yourself, you build the other three so this one feels like a choice instead of guilt. the gap was never that you spend too much. does this resonate? save it for when you're ready to set these up properly. want the irish-specific walkthrough? comment INVEST and i'll send you my free 5 day guide to your first investment. general info, not financial advice #irishmoney #irishfinance #ireland #PersonalFinance