#120 How Can We Balance Wealth and Wellbeing
In this episode of "Garry Talks," host Garry sits down with Niall Leyden, managing director of Atlantic Wealth Management. They explore Niall’s journey from his Sligo upbringing to his career in finance, discussing the values of hard work, gratitude, and health. Niall shares personal stories, lessons from setbacks, and the importance of supportive peers. He outlines common financial mistakes and stresses balancing ambition with well-being. The episode offers practical advice and inspiration for building wealth, achieving personal growth, and living a fulfilling life.
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2008 Financial Crisis Reflections (00:00:00)
Niall recalls the catastrophic impact of the 2008 financial crash on his life and career.
Introducing Niall Leyden & Podcast Overview (00:00:06)
Garry introduces Niall, his background, and the episode’s focus on wealth, life, and personal growth.
Podcast Achievements & Listener Appreciation (00:00:56)
Garry thanks listeners for their support and shares the podcast’s recent milestones.
Creators Network & Studio Introduction (00:02:07)
Brief mention of the podcast’s production network and invitation to join.
How Garry and Niall Met (00:02:19)
The story of their first meeting in a sauna and the start of their friendship.
Upbringing in Sligo & Family Values (00:03:19)
Niall discusses his childhood in Sligo, his parents’ influence, and family values.
Parental Influence & Work Ethic (00:08:09)
Niall describes his parents’ work ethic, family business, and the importance of health and gratitude.
School Days & The “Genius” Story (00:11:36)
A humorous story about Niall’s school days and a memorable exam mishap.
College Life & Sliding Doors Moment (00:14:50)
Niall’s journey to university, a pivotal moment with exam rechecks, and moving to Galway.
Early Career in Finance (00:17:52)
Niall’s early fascination with finance, summer jobs, and lessons from his father.
Ireland’s Economic Transformation in the 90s (00:19:58)
Discussion of Ireland’s economic boom, national pride, and the changing financial landscape.
Learning About Wealth & Financial Planning (00:22:43)
Niall’s experiences in banking, the importance of investing, and early career milestones.
Celtic Tiger Years & Ulster Bank (00:26:41)
Niall’s move to Ulster Bank, working with high-net-worth clients, and the pre-2008 wealth surge.
The 2008 Crash & Its Aftermath (00:28:03)
Detailed account of the financial crash’s impact on clients, property, and personal lessons.
Cycles of the Economy & Investment Mindset (00:30:48)
Reflections on economic cycles, market volatility, and the importance of steady investing.
Delayed Gratification & Teaching Kids About Money (00:33:13)
Niall shares lessons on investing versus spending, using analogies for his children.
Generational Shifts in Financial Attitudes (00:38:02)
Observations on younger generations’ approach to health, learning, and humility.
Defining Real Wealth & Life Purpose (00:39:15)
Discussion on what truly matters in life—freedom, lifestyle, and meaningful financial planning.
Charlie Gannon’s Story & Life Perspective (00:40:45)
Niall shares the inspiring story of Charlie Gannon, highlighting resilience and perspective.
First Major Accident in 2019 (00:42:55)
Niall recounts his serious car accident, the aftermath, and psychological impact.
Second Accident & Recovery (00:46:37)
A cycling accident during COVID, its emotional toll, and the role of the Atlantic Ocean in recovery.
Turning Point & Birth of Atlantic Wealth Management (00:51:28)
A pivotal conversation with his son leads Niall to start his own business.
Third Accident & Health Realizations (00:54:00)
A third accident, further injuries, and the importance of prioritizing health.
Atlantic Wealth Management’s Mission & Approach (00:55:31)
Niall explains his business philosophy: purpose, planning, and holistic financial advice.
Five Biggest Lessons in Wealth & Life (01:01:41)
Niall shares his top five lessons: clarity, planning, income vs. wealth, purpose, and health.
Final Reflections on Time & Priorities (01:07:25)
Niall emphasises the value of time, relationships, and living life to the fullest.
Episode Wrap-Up & Future Plans (01:08:40)
Garry thanks Niall, previews future episodes, and wishes him luck on his charity cycle.
Ireland