I started The Irish FIRE Podcast to share my own journey towards financial independence and to discuss personal finance, investing, property, careers and the broader idea of creating more freedom in our lives.
My hope is that the conversations and experiences shared here can help inform, educate and perhaps inspire you on your own journey.
There are, however, a few important things you should know.
I am not a financial adviser and I am not authorised to provide regulated investment advice.
The content published by The Irish FIRE Podcast — including podcast episodes, articles, newsletters, social media posts and other material — is provided for general information, education and entertainment purposes only.
Nothing I publish should be considered personal financial, investment, tax, legal or other professional advice, or a personal recommendation to buy, sell or hold any particular investment, security, financial product or property.
I do not know your individual financial circumstances, objectives, attitude to risk or investment timeframe. What may be appropriate for me, a guest on the podcast or another member of the community may not be appropriate for you.
Investing involves risk. Investments can fall as well as rise in value and you may get back less than you invest. Past performance is not a reliable indicator of future performance.
You should carry out your own research and, where appropriate, obtain advice from a suitably qualified and authorised professional before making financial or investment decisions.
Much of the content on The Irish FIRE Podcast is based on my own experiences, opinions and approach to money.
I may discuss investments, financial products, property, businesses or services that I personally use, own or have invested in. These discussions should not be interpreted as recommendations that you should do the same.
Information is provided in good faith and I make reasonable efforts to ensure it is accurate at the time of publication. However, financial rules, tax treatment, products, rates, legislation and other circumstances can change, and I cannot guarantee that all information will remain accurate or complete.
You remain responsible for any decisions you make based on information discussed on the podcast or elsewhere on this website.
The Irish FIRE Podcast regularly features guests.
The opinions, experiences and statements expressed by guests are their own and do not necessarily represent my views or those of The Irish FIRE Podcast.
The appearance of a guest should not be interpreted as an endorsement of that person, their business, products, services, investment strategy or opinions.
Listeners should independently assess any claims or information provided by guests before acting on them.
The Irish FIRE Podcast is commercially supported and may receive payment from companies or organisations that sponsor podcast episodes, advertise with the podcast or otherwise support its production.
Where an episode or piece of content contains paid sponsorship or advertising, I will aim to make that commercial relationship clear.
Sponsors may be mentioned in podcast episodes, show notes, newsletters, on this website and on other channels operated by The Irish FIRE Podcast.
The presence of a sponsor does not mean that I personally recommend that company's products or services for every listener. You should assess any product or service independently and determine whether it is suitable for your own circumstances.
Unless explicitly stated otherwise, sponsors do not determine the editorial content of The Irish FIRE Podcast or the opinions I express.
From time to time, a company that sponsors or advertises with The Irish FIRE Podcast may also provide a guest for an interview or be discussed elsewhere on the podcast. Where I believe a commercial relationship is relevant to that content, I will disclose it.
Some links on this website, in podcast show notes, newsletters or other content may be affiliate or referral links.
If you follow one of these links and subsequently sign up for or purchase a product or service, The Irish FIRE Podcast may receive a commission, referral fee or other benefit. Where applicable, I will endeavour to make this clear.
Using an affiliate link will not normally increase the price you pay.
The existence of an affiliate relationship does not change your responsibility to determine whether a particular product or service is appropriate for you.
I may also receive products, services, event invitations or other benefits from companies from time to time. Where such a relationship is relevant to content I publish, I will endeavour to disclose it clearly.
Any advertisement or sponsorship relating to a regulated financial product or financial services provider should be considered separately from the general editorial content of The Irish FIRE Podcast.
You should check that any financial services provider you are considering using is appropriately authorised and regulated and should review the provider's own terms, fees, risk warnings and regulatory information before making a decision.
The inclusion of a financial company as a sponsor does not mean that The Irish FIRE Podcast has assessed whether its products are suitable for your individual circumstances.
The website and podcast may link to websites and resources operated by third parties.
These links are provided for convenience and additional information. I do not control those websites and cannot accept responsibility for their content, availability, security or accuracy.
I believe transparency is particularly important when discussing money.
Where I have a material commercial or financial interest that I believe could reasonably influence how listeners interpret particular content, I will endeavour to disclose that relationship.
This may include sponsorship arrangements, affiliate relationships, ownership interests or investments relevant to the subject being discussed.
From time to time I may discuss or highlight An Dúlra Co-Op, which I co-founded in 2020.
I am a volunteer member of the Board and have a personal connection with the organisation, as well as a shareholding in it. I do not receive payment for promoting An Dúlra through The Irish FIRE Podcast.
Given my involvement with the organisation, any discussion of An Dúlra should be understood in that context. You should carry out your own research and make your own assessment before investing in, becoming a shareholder of, or otherwise supporting the organisation.
Ultimately, The Irish FIRE Podcast is about sharing ideas, experiences and conversations around money and financial independence.
Please treat what you hear or read as a starting point for your own research rather than a substitute for professional advice tailored to your circumstances.
If you have any questions regarding this disclaimer or a commercial relationship mentioned on The Irish FIRE Podcast, please email me at [email protected].
Michael Houghton
Last Updated: September 2026