Irish Financial Independence Podcast
Welcome! I’m Michael Houghton, and I write and podcast about our family’s FIRE journey.
In 2018, I began my journey toward financial independence. I was tired of trading time for money and inspired by the idea that, through intentional living and the power of compounding, I could build a different kind of life - one where work became optional and I could live on my own terms.
For me, the most important thing my money can buy is freedom for myself and my family.
I record podcast episodes and provide monthly updates on my FI progress. Join me as I discuss my journey towards financial independence and hear about the challenges and successes I have along the way.
You can also sign up to my monthly newsletter and receive regular updates from me to your inbox!
Latest Podcast Episodes
The Freedom Before FI Interview
Thursday, 28th August 2025
In this episode, Michael republishes his interview on the Freedom Before FI podcast which covers his journey to financial independence and what life looks like along the way. He shares his story of moving from New Zealand to Limerick, raising a family of five, and how he’s built up a €700k+ investment portfolio split between property and stocks. Michael also talks about lifestyle design, seasonal and part-time work, and how keeping a 75% savings rate was possible while still enjoying life.
Listen NowLife Options in a Post-FI World
Friday, 25th July 2025
In this episode, Michael shares what life really looks like after reaching Financial Independence. Spoiler: it's not all hammocks and golf rounds.
Listen Now6 Year Anniversary Special - The Community Strikes Back
Thursday, 5th June 2025
In this anniversary episode, Michael invites you into the heart of the Limerick FI community, sharing real stories from local members on their own FIRE journeys. You’ll hear how the Limerick WhatsApp and Meetup groups have helped people from all walks of life openly talk about money, investing, and intentional living - free from judgment or taboos.
Listen NowLatest Progress Updates
July 2025 Portfolio Update
Monday, 4th August 2025
What happens if you decide not to leave your 9-5? We hit a technical FI state at the end of 2024, yet I have continued to work full time. I am working a lot less, and as at the time of writing, this is my fourth week without working, but I am still technically working full time. And here is the thing - as much as I have been preparing to give up my full time job, I am starting to see so many positive benefits by continuing to work full time.
Read MoreJune 2025 Portfolio Update
Friday, 4th July 2025
This is going to sound silly, but these days I often have a sense of guilt. Life is good, we are living a blessed life. Full of fun and laughter and being able to do things on our own terms and at our own pace. I have started getting better at saying no to opportunities, especially if that opportunity results in me needing to travel or be somewhere not on my own schedule.
Read MoreMay 2025 Portfolio Update
Wednesday, 4th June 2025
I always wondered why so many FIRE influencers never actually took the plunge and retired once they hit their FI number. It was a question that eluded me for many years as I pursued my own FIRE journey. I wanted to be different. I wanted to hit the number, and be done - leaving the 9-5 and maybe just moonlighting the odd hour or ten in the evenings. It wasn’t until we found a way to generate €40,000 a year from our portfolio, and hit a stage where we technically could retire if we wanted to, that I realised why no one really retires early.
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