Financial planner Eoin McGee joins Terry and Fergus to talk money, ageing, and the moment a lifetime of saving turns into a lifetime of spending. From inheritance tax thresholds and the €3,000 gift exemption, to the risks of equity release loans and the hidden signs of elder financial abuse, Eoin brings 27 years of frontline experience to one of the most avoided conversations in Irish family life: what happens to the pot once you stop filling it.