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Michael Houghton returns to the Informed Decisions Podcast seven years after his first appearance to discuss how his views on money, work, and investing have changed. Michael is a personal finance writer, Irish Independent columnist, FIRE advocate, and active property investor who now sees financial independence less as quitting work and more as gaining freedom and choice. In this episode, Paddy and Michael explore the reality of early retirement, the importance of purpose and connection in later life, and why Michael has become a strong believer in property as a wealth building tool in Ireland. They also cover rental yields, refinancing, leverage, tax, bank lending, and the risks that come with building a property portfolio. https://www.informeddecisions.ie/post... Disclaimer: The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you. The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share