{"product_id":"insufficient-funds-isbn-9781394248896","title":"Insufficient Funds","description":"\u003cp\u003e\u003cb\u003eA money book without the BS\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhether you dream of security and home ownership, you’re building your career, or you want to grow your family… it’s time to figure out what you want from your money. And then make it happen. Financial adviser James Millard cuts through the jargon and shares a simple framework for making better money decisions and achieving your goals. \u003ci\u003eInsufficient Funds\u003c\/i\u003e is a comprehensive guide to personal finance that recognises the realities and challenges of balancing your life with your spending.\u003c\/p\u003e \u003cp\u003eSo where do you start? To plan your future and find financial freedom, you need to define what 'sufficient’ means to you. And it’s not about settling for less! \u003ci\u003eInsufficient Funds\u003c\/i\u003e will show you how to make the most of what you earn — and enjoy it more too. You’ll get lifelong strategies to help you achieve your personal goals and live your dreams.\u003c\/p\u003e \u003cp\u003eInside, you’ll find:\u003c\/p\u003e \u003cul\u003e \u003cli\u003eThe 5 Ds: a proven framework to help you Define, Declutter, Develop, Defend, and Deliver when it comes to your money goals\u003c\/li\u003e \u003cli\u003eStrategies to overcome money stress and money mess\u003c\/li\u003e \u003cli\u003eTargeted guidance for the different scenarios, events, and stages that life might throw at you\u003c\/li\u003e \u003cli\u003eA balanced approach to building wealth while still enjoying your everyday life\u003c\/li\u003e \u003cli\u003eReal-world stories and relatable experiences that help show the way\u003c\/li\u003e \u003c\/ul\u003e \u003cbr\u003e\u003ci\u003eInsufficient Funds\u003c\/i\u003e is the no-nonsense guide you need to build a better money mindset and a strategic financial plan. The more you align your money decisions with the outcomes you truly want, the more you’ll gain clarity, confidence, and momentum — for a happier, more fulfilling life, today and tomorrow.\u003cbr\u003e \u003cp\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003e\"James and his team support my community with financial advice to live their best lives. He is a genius in this space and this book gives away all his best secrets!” — Victoria Devine, founder of Australia's #1 finance podcast, \u003ci\u003eShe's on the Money\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003e\"James has cracked the code in making financial advice relatable, approachable and insanely valuable. Read the book, follow the 5x Ds and achieve your version of ‘sufficient funds’.” — Glen James, author and founder of the \u003ci\u003emoney money money\u003c\/i\u003e podcast\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroduction xi\u003c\/p\u003e \u003cp\u003eThe True Meaning of Sufficient Funds xii\u003c\/p\u003e \u003cp\u003eThe ATM slip and one all-time road trip xiv\u003c\/p\u003e \u003cp\u003eOur journey to Sufficient Funds xviii\u003c\/p\u003e \u003cp\u003eHow this book works and why it’s important to you xxi\u003c\/p\u003e \u003cp\u003eFuck F.I.R.E. — why retirement is NOT the goal xxiv\u003c\/p\u003e \u003cp\u003e\u003cb\u003e1 Define — the missing step 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe power of positive thinking for financial wellbeing 2\u003c\/p\u003e \u003cp\u003eHow to spend a billion dollars: find your purpose and stay on it 6\u003c\/p\u003e \u003cp\u003eThree steps to setting bigger adventures (and how we get there with our clients) 11\u003c\/p\u003e \u003cp\u003eExperiences or things — why can’t I have both? 19\u003c\/p\u003e \u003cp\u003eIt’s not meant to be easy — be prepared to work 22\u003c\/p\u003e \u003cp\u003e\u003cb\u003e2 Declutter — clearing the path 31\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eClarity: attitude and focus 32\u003c\/p\u003e \u003cp\u003eBuild your financial launchpad 37\u003c\/p\u003e \u003cp\u003eDealing with debt 38\u003c\/p\u003e \u003cp\u003eDebt disruption strategies: creative ways to pay off debt 40\u003c\/p\u003e \u003cp\u003eCruise Control: Your Spending Plan 46\u003c\/p\u003e \u003cp\u003eFAQs 62\u003c\/p\u003e \u003cp\u003e\u003cb\u003e3 Develop — big plans, growth and mad momentum 67\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe ‘mad stacks’ strategy: introducing the four stacks of Sufficient Funds 69\u003c\/p\u003e \u003cp\u003eGoal- focused investment for the win! 80\u003c\/p\u003e \u003cp\u003eDebunking the tax myth 83\u003c\/p\u003e \u003cp\u003eTax effectiveness — before you invest you need this  86\u003c\/p\u003e \u003cp\u003eInvestment — your third stack of Sufficient Funds 90\u003c\/p\u003e \u003cp\u003eSuperannuation — the fourth stack of Sufficient Funds 115\u003c\/p\u003e \u003cp\u003e\u003cb\u003e4 Defend — through life’s ups and downs 123\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUsing your emergency fund — remember it’s not your money! 125\u003c\/p\u003e \u003cp\u003eAdding kids, not zeros 127\u003c\/p\u003e \u003cp\u003eDrop everything 148\u003c\/p\u003e \u003cp\u003ePandemics 150\u003c\/p\u003e \u003cp\u003eProtection 151\u003c\/p\u003e \u003cp\u003eDid somebody say intergenerational wealth transfer? 158\u003c\/p\u003e \u003cp\u003e\u003cb\u003e5 Deliver — let it flow 161\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStay the course 162\u003c\/p\u003e \u003cp\u003eStay authentic 163\u003c\/p\u003e \u003cp\u003eFind a Sufficient cause and make a difference that counts 166\u003c\/p\u003e \u003cp\u003eSet up a regular donations plan 172\u003c\/p\u003e \u003cp\u003eKeep motivated 173\u003c\/p\u003e \u003cp\u003eRedefine Sufficient 176\u003c\/p\u003e \u003cp\u003eIsn’t financial advice just for old people who already have mad stacks? 182\u003c\/p\u003e \u003cp\u003eThink bigger: Beyond Sufficient 187\u003c\/p\u003e \u003cp\u003eGot stuck? Reach out 191\u003c\/p\u003e \u003cp\u003eNotes 193\u003c\/p\u003e  \u003cp\u003e \u003cb\u003eJAMES MILLARD \u003c\/b\u003e 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.  \u003c\/p\u003e\u003cp\u003e\u003cb\u003eA MONEY BOOK WITHOUT THE BS\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDo 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?\u003c\/p\u003e \u003cp\u003e\u003ci\u003eInsufficient Funds \u003c\/i\u003eis 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.\u003c\/p\u003e \u003cp\u003eInside you’ll find:\u003c\/p\u003e \u003cul\u003e \u003cli\u003estrategies to overcome money stress and money mess\u003c\/li\u003e \u003cli\u003etargeted guidance for the different scenarios, events and stages that life might throw at you\u003c\/li\u003e \u003cli\u003ea balanced approach to building wealth while still enjoying your everyday life\u003c\/li\u003e \u003cli\u003ereal-world stories and relatable experiences that help show the way\u003c\/li\u003e \u003cli\u003eeasy-to-follow steps toward a financially-free future you.\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eYour dreams are only limited by your decisions. \u003ci\u003eInsufficient Funds \u003c\/i\u003ewill help you make the right decisions for your goals and give you the path to a happier, more fulfilling life.\u003c\/p\u003e \"James and his team support my community with financial advice to live their best lives. He is a genius in this space and this book gives away all his best secrets!” ― \u003ci\u003eVictoria Devine, founder of Australia's #1 finance podcast, \u003c\/i\u003eShe's on the Money\u003cbr\u003e\u003cbr\u003e\"James has cracked the code in making financial advice relatable, approachable and insanely valuable. Read the book, follow the 5x Ds and achieve your version of ‘sufficient funds’.” ― \u003ci\u003eGlen James, author and founder of the\u003c\/i\u003e money money money\u003ci\u003e podcast\u003c\/i\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989434515685,"sku":"NP9781394248896","price":21.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781394248896.jpg?v=1761784087","url":"https:\/\/k12savings.com\/products\/insufficient-funds-isbn-9781394248896","provider":"K12savings","version":"1.0","type":"link"}