Money Talks: 'The day we got back to zero was one of the best days of my life' - Kel Galavan on climbing out of negative equity and learning to invest

"Having climbed out of negative equity and saved over €27,000 during a no-spend year, Ms Galavan is living proof that we can overcome even the most trying financial situations. She also knows a thing or two about investing and the rookie mistakes that beginner investors tend to make. "I trusted myself, but I did not understand economies," she said. "I did not understand dips. I did not understand the vulnerability that can come from things that are entirely outside your control.""

""The day we actually got back up to zero, the day we were worth nothing, that was one of the best days of my life," she told host Katie Byrne on the latest episode of Money Talks. Money Talks is available wherever you get your podcasts, with new episodes landing on Wednesdays. The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product."

A money coach recovered from negative equity and restored net worth to zero, then saved over €27,000 during a no‑spend year. The coach gained investing experience and identified common rookie mistakes, including misunderstanding economies, market dips, and external vulnerabilities beyond individual control. With over 20 years of experience, the coach focuses on encouraging Irish people to start investing while emphasizing the need to build a solid financial foundation before investing. The coach highlights three essential questions for rookie investors and notes podcast availability and that the content is informational, not investment advice or a recommendation of any investment product.

Read at Irish Independent