Money Boot Camp

Money Boot Camp We specialise in helping people in the messy middle (25 to 55) navigate life’s biggest financial decisions with clear, actionable plans. Should I buy a house?

Go to www.moneybootcamp.com to learn more. Money Boot Camp provides Financial Planning and Financial Education for when it matters. When you are in your 20s and 30s you make 90% of the biggest financial decisions in your life, often without the knowledge needed. It feels like you take the test first, and get the lessons after. We live in a world where talking about money is a taboo and we send you

into the world unprepared and uneducated in the things that matter. Should I get a loan for this car? Is rent just dead money? How do I get out of debt? How can I afford to follow my dreams? How am I doing with money compared to my peers? How do you even get a mortgage? How long should it be? Is that a good rate? Can I even afford to have a child? Should I set up a pension? How can I get paid more? We help empower young professionals to take control of their personal and financial lives by giving a structured planning process which allows them to pursue their dreams and make the huge life decisions from a position of power. Pursuing advanced degrees, trying to get a pay raise or a promotion, buying homes, getting married, having kids, setting up a pension, investing, getting out of debt, and switching jobs. These are some of the huge decisions that you are expected to go through in your 20s and 30s without the knowledge, you just have to learn as you go. We believe this is the wrong approach. At Money Boot Camp we believe that your 20s and 30s are a pivotal time for following your goals and establishing yourself as a happy, wealthy person. By purposefully focussing on learning about money and planning how to meet your goals, you remove a major stress from your life by not worrying about money as much, you give yourself a secure and solid financial foundation, and you place yourself in a position of strength for the future. We focus on educating you in what you need to know and guiding you towards your goals by helping you navigate loans, saving, investing, selecting insurance and pension options, tax planning, and more. Are you looking for help with some major financial decisions? Do you want to sort your money and get organised and set actionable goals? We can help.

29/05/2026

Being able sleep at night (clip from interview with Michael Houghton from the Irish FIRE Podcast)

One of the best investing lessons from our expert call with Michael Houghton from the Irish FIRE Podcast: If your investments stop you sleeping at night, they may not be right for you.

It is easy to get distracted by hype around:
Gold and silver
Crypto
Alternative investments
“The next big opportunity”

But as Michael pointed out, when everyone is suddenly talking about an investment, it is often already too late.

The goal is not to chase excitement.
The goal is to build wealth in a way that lets you sleep peacefully.

Sometimes a slightly lower return with less stress is far better than chasing risky gains and worrying constantly.

This clip is from a longer interview inside our Financial Planning Group for the Messy Middle, where Michael gave an in-depth breakdown of his FIRE journey and lessons learned.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people take control of their money with practical, unbiased advice.

18/05/2026

Public Challenge of the Month!
Every month in my financial planning group we give information on a topic as well as challenges to get you taking action to improve your financial situation and achieve more of your goals. Here is a little taster in the public challenge from last month in the group.

Everyone has that one thing.
The thing you know you should do… but keep putting off.
The pension. The will. Changing jobs.
The savings account. Sorting debt. Making the appointment.
Sending the awkward email. Whatever it is; you know the thing.

This month’s challenge is simple:
Pick ONE thing you’ve avoided and take the first step.
Not the whole thing. Just the first step.

Make the call. Book the appointment. Send the email.
Start the form. Have the conversation. Done is better than perfect.

Most people don’t get stuck because they’re lazy.
They get stuck because life is busy, things feel uncomfortable, and “I’ll get around to it” quietly turns into years.
Your future life is built on small actions.

So this month: Kill one thing from the forever to-do list.
Comment below with the thing you’re finally going to tackle (or just say “done” once you’ve started).
If you want to follow along with the monthly challenges, expert interviews and practical financial planning for the messy middle (25-55), go to moneybootcamp.com

13/05/2026

Some career paths feel productive… but lead nowhere.

From our session with Paddy Jobsman:
Not all “progress” actually gets you closer to a raise or promotion.

You can be working towards something that:

Gets delayed
Gets cancelled
Was never fully in your control

“I’ll get a raise when this is done” sounds great… until the goalposts move.

The lesson:
Don’t rely on one outcome or one promise.

Have options.
Have alternatives.
Keep the conversation alive.

Best case, it works out.
Worst case, you’re not stuck waiting.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people improve their finances through practical, unbiased advice.

10/05/2026

G-check for minister of finance Simon Harris TD

Time to G-check Simon Harris TD

The Department of Finance has launched a search for Ireland’s new Financial Literacy Ambassador as part of the EU’s financial literacy strategy.
And to be fair, they seem to be taking the role very seriously.
They want someone:
• influential
• trusted
• relatable
• committed
• willing to travel to Brussels
• able to support the national rollout of financial literacy in Ireland
All very reasonable requirements for an important role.
There’s just one small detail. It’s unpaid.
Which raises an interesting question: What type of person can realistically take on a high-profile national financial literacy role… for free?
Because the pool becomes very specific very quickly.
Possibly:
1. Someone backed by a large institution or NGO that can effectively subsidise the role
2. Someone using the position to build influence, status, or future career opportunities
3. Someone with political or industry interests connected to the space
4. Or, in the worst case, someone open to influence from groups that do have money and agendas
That may sound cynical, but incentives matter. An unpaid role is not a neutral decision.
It shapes who can apply, who can afford to participate, and whose interests may ultimately be represented.
Financial literacy is important. Arguably too important to rely on unpaid labour from “exceptionally qualified” people.
Especially when the people most qualified to do this work professionally… already do it professionally.
Happy April Fool’s Day. Simon Harris – consider this a G-check!

10/05/2026

Time to G-check Simon Harris Simon Harris TD

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The Department of Finance has launched a search for Ireland’s new Financial Literacy Ambassador as part of the EU’s financial literacy strategy.
And to be fair, they seem to be taking the role very seriously.
They want someone:
• influential
• trusted
• relatable
• committed
• willing to travel to Brussels
• able to support the national rollout of financial literacy in Ireland
All very reasonable requirements for an important role.
There’s just one small detail. It’s unpaid.
Which raises an interesting question: What type of person can realistically take on a high-profile national financial literacy role… for free?
Because the pool becomes very specific very quickly.
Possibly:
1. Someone backed by a large institution or NGO that can effectively subsidise the role
2. Someone using the position to build influence, status, or future career opportunities
3. Someone with political or industry interests connected to the space
4. Or, in the worst case, someone open to influence from groups that do have money and agendas
That may sound cynical, but incentives matter. An unpaid role is not a neutral decision.
It shapes who can apply, who can afford to participate, and whose interests may ultimately be represented.
Financial literacy is important. Arguably too important to rely on unpaid labour from “exceptionally qualified” people.
Especially when the people most qualified to do this work professionally… already do it professionally.
Happy April Fool’s Day. Simon Harris – consider this a G-check!

07/05/2026

One of the most important lessons from FIRE is to enjoy the journey.

There is no point making yourself miserable trying to achieve a goal that is meant to improve your life.

Done properly, FIRE is not just about the end result. It teaches valuable skills along the way:

How to control expenses
How to improve your earnings
How to save and invest
How to build real financial resilience

Even building just 1–2 years of expenses can completely change your life. It gives you options, confidence, and the ability to make decisions from a position of strength rather than fear.

Another huge benefit is the FIRE community itself. People openly share their wins, mistakes, bad investments, and lessons learned, allowing others to learn without making every mistake themselves.

Whether you fully pursue FIRE or not, most people gain a lot simply from following the journey.

This is a short clip from a longer breakdown on the FIRE movement.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people take control of their money with practical, unbiased advice.

06/05/2026

Internal or market recruiters (clip from interview with Paddy Jobsman)

Most people wait too long to talk about money at work.

From our session with Paddy Jobsman: Be clear on what you want and say it early.

If you want a raise or promotion:
Ask what’s required
Set a plan
See if it’s realistic

Best case, you get a clear path.
Worst case, you realise it’s not happening and can act.

Either way, you’re no longer guessing.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people improve their finances through practical, unbiased advice.

04/05/2026

Risks (clip from interview with Michael Houghton from the Irish FIRE Podcast)

One of the biggest lessons from our expert call with Michael Houghton from the Irish FIRE Podcast: Financial peace often starts long before financial independence.

Michael spoke about how reducing money stress was not about becoming wealthy overnight.

It started with simple progress:
No longer living paycheck to paycheck
Building a savings buffer
Having money available for unexpected costs
Removing constant financial pressure from day-to-day life

As he explained, even having enough set aside to cover something like a broken fridge can dramatically reduce stress and improve relationships.

You do not need to be rich to feel financial freedom.
Sometimes the biggest improvement comes from just getting slightly ahead.

This clip is from a longer interview inside our Financial Planning Group for the Messy Middle, where Michael gave an in-depth breakdown of his FIRE journey and lessons learned.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people take control of their money with practical, unbiased advice.

30/04/2026

What you think vs what the market values you at? (clip from interview with Paddy Jobsman)

Most people have no idea what they’re actually worth in the market.

That gap between what you think you’re worth and what companies will actually pay can be massive.

In our session with Paddy Jobsman, one simple idea stood out: You need regular “price discovery” for your career.

That means:
Speaking to recruiters once or twice a year
Exploring roles (even if you’re not planning to move)
Talking to peers in your industry
Checking real job offers, not just online estimates

Because if you’re not actively testing the market, you’re guessing your value.

And guessing often leads to being underpaid.

The people who understand their value are the ones who:
Negotiate better
Move at the right time
Increase their income faster

This clip is from a longer session inside our Financial Planning Group for the messy middle (25–55), where we focus on the decisions that have the biggest financial impact.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people improve their finances through practical, unbiased advice.

28/04/2026

Working on career earnings (clip from interview with Paddy Jobsman)

One of the biggest financial mistakes people make: They never think seriously about their earning potential.

In our recent session with Paddy Jobsman, he shared a simple but powerful example:
Two people start on the same salary.
One accepts what they are offered.
The other negotiates every time they move.

Over a full career?
The difference can be hundreds of thousands of euro.
Not from working harder.
Not from being smarter.

Just from:
Negotiating
Understanding their value
Being proactive about income

The uncomfortable truth is this: Avoiding conversations about money can cost you more than any bad investment.

If you are not asking the question, you are probably leaving money on the table.

This clip is from a longer session inside our Financial Planning Group for the messy middle (25–55), where we focus on the decisions that have the biggest impact on your finances.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people improve their finances through practical, unbiased advice.

27/04/2026

Simplicity (clip from interview with Michael Houghton from the Irish FIRE Podcast)

One of the most important lessons from our expert call with Michael Houghton from the Irish FIRE Podcast was this: Focus on what you can control.

After losing a significant portion of his early savings through poor investments and scams, Michael realised something powerful:

Building wealth is not about finding the perfect investment.
It is about:

Spending less than you earn
Saving consistently
Keeping investing simple
Avoiding unnecessary mistakes

Many people overcomplicate investing and chase high returns when the real key is controlling your behaviour and staying consistent over time.

As Michael put it: Control the controllables.

This clip is from a longer interview inside our Financial Planning Group for the Messy Middle, where Michael gave an in-depth breakdown of his FIRE journey and lessons learned.

Money Boot Camp is a fee-only financial planning company in Ireland, helping people take control of their money with practical, unbiased advice.

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