Insufficient Funds

A money book without the BS

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. 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.

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
• A balanced approach to building wealth while still enjoying your everyday life
• Real-world stories and relatable experiences that help show the way

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

"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, founder of Australia's #1 finance podcast, She's on the Money

"James has cracked the code in making financial advice relatable, approachable and insanely valuable. Read the book, follow the 5x Ds and achieve your version of ‘sufficient funds’.” — Glen James, author and founder of the this is money podcast

About the Author

James Millard is a financial adviser and director of award-winning firm Sufficient Funds, and stands as a trailblazer in Australian financial services. With 10 000+ hours one-on-one with clients, he delivers approachable and relatable financial advice to those with lots of living left before retirement.