Personal finance is full of numbers, but most of them don’t actually matter. In this episode, James cuts through the noise and explains the only four figures you really need to understand, track, and build your plan around. He breaks down: Your current financial security number — what it takes to live your life now while still saving for the future Your pure financial freedom number — the liquid capital required to rely on no one but yourself Your future financial independence number — the realistic target that accounts for lifestyle changes, income shifts, big one-off costs, and the safety margin you’ll actually need Your family security number — the amount that protects the people you love if life takes an unexpected turn James explains how these numbers work together, why they matter, and how to use them as anchors for better decisions. Four numbers. One clear roadmap to financial clarity. - This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk

Most people overcomplicate saving and investing, but building capital doesn’t need a spreadsheet, a formula, or a wall-sized chart. In this episode, James breaks down a simple four-pot system that helps you stay prepared, stay flexible, and steadily build your wealth over time. He explains how to structure your money into: Pot 1: Your emergency fund — the buffer that protects you from life’s surprises Pot 2: Short-term savings — for goals over the next few years that your monthly cashflow can’t cover Pot 3: The fun fund — guilt-free money for hobbies, spontaneity, and living your life Pot 4: Long-term investing — the pot that grows your future security and supports bigger goals It’s simple, practical, and designed for real life. Four pots. One clear system for taking control of your money and building capital with purpose. - This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk

With apps constantly pinging us, it’s easy to feel like you should monitor your finances every day. But you don’t need to. In this episode, James breaks down a clear, simple routine for keeping your money on track without letting it take over your life. He explains what to check weekly, monthly, bi-annually, and annually. From day-to-day spending and cash levels to your direct debits, investments, pensions, and long-term plans. You’ll learn how to keep things running smoothly with minimal effort, and when you actually need to take a closer look based on life changes. James then turns to growth. The two real ways to speed up your financial progress. He explores how to increase what’s coming in through purposeful contributions, pay rises, bonuses, and side income, and how to grow your wealth faster by investing more intentionally and taking the right level of risk for your goals. Simple steps. Clear structure. A smarter way to stay in control and build momentum. - This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk

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. - This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk

Running your own business isn’t just about freedom; it’s about opportunity. In this episode, James breaks down the unique financial advantages that come with being a business owner, from greater flexibility and control to smarter tax planning and long-term wealth building. He shares how to think strategically about both your business and personal finances, so they work together, not against each other. Whether you’re just starting out or already established, this episode will help you see your business as the most powerful financial tool you own. - This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk

James cuts through the noise and gets real about one of the biggest barriers to financial success: getting started. It’s easy to put money management off for “next month” or “when life’s less busy,” but as James explains, the earlier you take control, the easier it becomes. In this episode, you hear simple, practical steps to help you get organised, shift your mindset, and start building a stronger financial foundation, without feeling overwhelmed. If you’ve ever felt stuck, guilty, or unsure where to begin, this episode is your nudge to take action.

Forget complicated budgets and fancy formulas. In this episode, James strips wealth-building back to the basics. The timeless principles that actually work. He explains how to take control of your spending without guilt, grow your income with intent, and build habits that set you up for life. This isn’t about quick wins or chasing trends, it’s about simple moves that create lasting results. Practical, grounded, and refreshingly real.   This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk

There are lots of universal things that people can do, which make up a large proportion of the recipe for financial success, that are much simpler than you think. Rather than keep them to myself and share them only with my clients, I want to share them with you to help educate, encourage and give you the confidence to take action.  Welcome to James Talks Finance, the show where we aim to simplify the world of personal finance and financial planning to enable you to get control and take action to a more successful financial future. Presented by James Wallis, a Chartered Financial Planner and financial planning business owner with more than a decade of experience helping people with their finances. The world of finance can be complicated, filled with jargon and acronyms and generally difficult to get your head around. But it doesn’t have to be that way! There are also lots of opinions and resources out there, often from people without any practical experience or knowledge beyond what they have picked up, and with no accountability for being incorrect. With the commitment that I will try my absolute best to avoid any jargon, acronyms or complicated industry lingo you won’t understand! Over the series, we will go through lots of the universal basics everyone should be working on with their finances, and delve deeper into certain areas.   --- This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice. Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS. info@aristotlefinancialplanning.co.uk 01332 310940