Rules of thumb aren’t perfect, but they can make your financial life a whole lot simpler.

In this episode, James breaks down the most useful principles to guide your decisions, from building a solid emergency fund to using the 50/30/20 rule as a starting point for budgeting. He explores the 1-month and 5-year rules for smarter spending, the power of matching your pension contributions, and how the Rule of 72 and the Rule of 300 can help you think about long-term wealth and financial independence.

James keeps it grounded and realistic, reminding you that these principles are helpful frameworks, not one-size-fits-all solutions. Use them as a guide, then tailor them to your life, your income, and your goals.

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This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice.

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