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@roadtojericho What? It's not the millionaires who need to be convinced.

@christ_our_lord Point 2 is virtually insurmountable imo. And the most popular party in the country by a distance is promising every man, women, child, cat and dog a 3 bed semi with a nice garden.

@andyweb And most of that shaping was done by effectively a benevolent dictator who was in power for over 30 years.

@alhale You have to remember to live a little as well, go for a pint or get a takeaway or go on a trip or whatever. Don't make life miserable for yourself.

@alhale 18k a year isn't a massive amount so I'd be keeping that 20k in cash until you're finished the PhD really. If you can put some money aside every month for your pension then the best time to start is right now. I don't mean to be disrespectful but you're not really earning enough and imo...

@christ_our_lord I have not had the chance to watch the video but I will and it could change my mind, but two things on Singapore: Their housing isn't really any more affordable than Ireland using a median-multiple comparing incomes to cost of housing They have built masses of housing that...

@thesartist Nope, ETFs are not subject to CGT and you get no allowance. You are taxed on all your profits no matter when you see.

@garyn It is right. I'm currently over paying by 1k a month with PTSB.