On the latest episode of Money Talks, she explains to Katie Byrne why this €140 monthly payment is one of the most misunderstood parts of family finances. For some households, it’s essential income. For others, it becomes a missed opportunity simply because life with children is expensive, chaotic and full of surprises.

But for parents who can put even part of it aside, Ryan outlines how time, consistency and compound growth can turn a modest monthly amount into a substantial 18-year fund. She explores everything from deposit accounts to unit-linked investment products, the pros and cons of risk, and why choosing a bank other than the one you use daily might be the smartest move of all.

She also breaks down the practical questions parents should ask early, long before CAO forms, textbook

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