James Millard

Insufficient Funds

Make the Right Money Decisions to Bring Your Big Plans to Life

• Broschiertes Buch

Produktbeschreibung

A MONEY BOOK WITHOUT THE BS Do you ever look at your bank balance and think 'I earn too much to have so little'? Do you have big plans and dreams, but get stuck trying to make the money part happen? Are you making money decisions without understanding their true impact on future you? Insufficient Funds is your simple, no BS guide to everything you've ever dreamed of: buying a home, having wild adventures, growing your family and funding your ultimate lifestyle. Inside, financial adviser James Millard shows how you can balance your spending, and reveals the way forward to financial security and freedom. James cuts through the jargon, busts the myths, and delivers a simple framework for making better money decisions and aligning your money with your ideal life. Inside you'll find: * strategies to overcome money stress and money mess * targeted guidance for the different scenarios, events and stages that life might throw at you * a balanced approach to building wealth while still enjoying your everyday life * real-world stories and relatable experiences that help show the way * easy-to-follow steps toward a financially-free future you. Your dreams are only limited by your decisions. Insufficient Funds will help you make the right decisions for your goals and give you the path to a happier, more fulfilling life.

Produktdetails

• Verlag: John Wiley & Sons Australia Ltd
• Seitenzahl: 224
• Erscheinungstermin: 26. Juni 2024
• Englisch
• Abmessung: 229mm x 153mm x 16mm
• Gewicht: 334g
• ISBN-13: 9781394248896
• ISBN-10: 139424889X
• Artikelnr.: 69187592

Autorenporträt

JAMES MILLARD is a financial adviser and director of award-winning firm Sufficient Funds, and stands as a trailblazer in Australian financial services. With 10 000+ hours one-on-one with clients, he delivers approachable and relatable financial advice to those with lots of living left before retirement.

Inhaltsangabe

Introduction xi The True Meaning of Sufficient Funds xii The ATM slip and one all
time road trip xiv Our journey to Sufficient Funds xviii How this book works and why it's important to you xxi Fuck F.I.R.E.
why retirement is NOT the goal xxiv 1 Define
the missing step 1 The power of positive thinking for financial wellbeing 2 How to spend a billion dollars: find your purpose and stay on it 6 Three steps to setting bigger adventures (and how we get there with our clients) 11 Experiences or things
why can't I have both? 19 It's not meant to be easy
be prepared to work 22 2 Declutter
clearing the path 31 Clarity: attitude and focus 32 Build your financial launchpad 37 Dealing with debt 38 Debt disruption strategies: creative ways to pay off debt 40 Cruise Control: Your Spending Plan 46 FAQs 62 3 Develop
big plans, growth and mad momentum 67 The 'mad stacks' strategy: introducing the four stacks of Sufficient Funds 69 Goal
focused investment for the win! 80 Debunking the tax myth 83 Tax effectiveness
before you invest you need this 86 Investment
your third stack of Sufficient Funds 90 Superannuation
the fourth stack of Sufficient Funds 115 4 Defend
through life's ups and downs 123 Using your emergency fund
remember it's not your money! 125 Adding kids, not zeros 127 Drop everything 148 Pandemics 150 Protection 151 Did somebody say intergenerational wealth transfer? 158 5 Deliver
let it flow 161 Stay the course 162 Stay authentic 163 Find a Sufficient cause and make a difference that counts 166 Set up a regular donations plan 172 Keep motivated 173 Redefine Sufficient 176 Isn't financial advice just for old people who already have mad stacks? 182 Think bigger: Beyond Sufficient 187 Got stuck? Reach out 191 Notes 193