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

Whether 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.

So 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! Insufficient Funds 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.

Inside, you’ll find:

  • The 5 Ds: a proven framework to help you Define, Declutter, Develop, Defend, and Deliver when it comes to your money goals
  • Strategies to overcome money stress and money mess
  • Targeted guidance for the different scenarios, events, and stages that life might throw at you

Insufficient Funds is the no-nonsense guide you need to build a better money mindset and a strategic financial plan. 

As seen in


James Millard

Financial adviser James Millard cuts through the jargon and shares a simple framework for making better money decisions and achieving your goals.

Insufficient Funds is a comprehensive guide to personal finance that recognises the realities and challenges of balancing your life with your spending.


Glen james

This is Money

"James has cracked the code in making financial advice relatable, approachable and insanely valuable for young people. Read the book, follow the 5x Ds and achieve your version of ‘sufficient funds’."

Victoria Devine

She's on the Money

"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!"

What if planning ahead was exciting?!

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.