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.

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

So where do you start?







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

“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
She's On The 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’."



GLEN JAMES
This is Money

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.

The Money Team You can Trust


We want to help you – sometimes that’s helping you 
think smaller so you can live the bigger pictureMicro-money decisions, investments, tactics and trade-offs; all delivered simply and honestly in ways that will deeply impact your future.

As seen in

No BS - we're award winning