The Hard Shoulder The Hard Shoulder

How much is splitting the bill costing you?

Oct 12, 2026 · 14m

Summary

This episode discusses a new AIB survey revealing that Irish consumers lose an average of €150 annually due to the "politeness premium," where social awkwardness prevents them from settling shared bills. Hosts Ciara Kelly and Shane Coleman are joined by Irish Times journalist Conor Pope and psychologist Keelan O'Dwyer to explore the psychological roots of this avoidance, including the fear of conflict and the desire to appear generous.

Topics discussed

Intro: AIB survey on the 'politeness premium' Conor Pope explains the cost of social awkwardness Impact on friendships and resentment over small debts Keelan O'Dwyer on psychology: generosity vs. conflict Advice: Setting expectations before the meal Hosts debate the awkwardness of itemizing bills Context matters: Financial struggle vs. meanness Practical tips: How to ask for money back Long-term patterns: Making splitting bills normal Shane Coleman's view: Not worth the hassle Listener reactions and anecdotes about bills Outro: Summary and contact details
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