How to Make It: The Money Habits Behind Financial Independence - with David Ferns

In this episode, Michael talks with David Ferns, author of the recently released financial independence book How to Make It. David is based in Dublin, and the conversation covers some of the practical habits and decisions that can make a big difference to your finances over time. We discuss tracking your expenses, automating your finances, gambling and its impact on money, the true cost of car ownership, teaching children about money, and having better financial conversations with your partner. It’s a wide-ranging conversation about building healthier habits around money and making financial independence feel more achievable. Show Notes: Buy the book at: Amazon Ireland (paper back): https://www.amazon.ie/How-Make-Simple-Financial-Independence/dp/B0H2YTJRPH/ Amazon UK (Kindle version): https://www.amazon.co.uk/How-Make-Simple-Financial-Independence-ebook/dp/B0GZGS5JBS/ Subscribe to the Irish FIRE Newsletter: https://www.firepodcast.ie/newsletter This episode has been sponsored by KennCo Insurance. KennCo Underwriting Ltd T/A KennCo Insurance is regulated by The Central Bank of Ireland. This episode has also been sponsored by Moneycube.  Moneycube is regulated by The Central Bank of Ireland.