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