Informed Decisions Financial Planning & Money Podcast

  Today, we’re diving into the real-life(ish) story of Fran – a regular guy who built a €2 million+ pension pot and retired at 55. No big lotto win. No magic investment hacks. Just smart use of Ireland’s pension system, discipline, and a few skipped car upgrades! Fran started young, contributed consistently, and maximised every bit of tax relief and employer matching he could get his hands on. He invested for growth, kept his cool through market crashes, and stuck to the plan. Over 30 years, a €350,000 net contribution turned into a €2 million pension pot. We walk through: • Exactly how Fran built that pot • How he drew income tax-efficiently from 55 onwards • How he used the ARF to stay flexible and keep control • And how he left a legacy worth millions – without giving half of it to Revenue If you're working in Ireland and want financial independence on your own terms, Fran’s journey is a blueprint worth paying attention to. No fluff, no jargon – just a straight-talking guide to building your future wealth