{"product_id":"insufficient-funds-make-the-right-money-decisions-to-bring-your-big-plans-to-life-9781394248896","title":"Insufficient Funds: Make the Right Money Decisions to Bring Your Big Plans to Life","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\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\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.\u003cbr\u003e\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":50919391789330,"sku":"9781394248896","price":15.99,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_56d2c9d1-a985-4df7-ba9a-0b89cfeb5248.jpg?v=1738892394","url":"https:\/\/surprise-castle.myshopify.com\/products\/insufficient-funds-make-the-right-money-decisions-to-bring-your-big-plans-to-life-9781394248896","provider":"Surprise Castle","version":"1.0","type":"link"}