James Bashall
speaker
199 appearances
1 recordings
1 series
first heard Jan 2026
last heard 29 Jan
James Bashall’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.
Appearances
Yeah, maybe I should bump my travel budget up a bit.
And then there are other costs that come down.
As we said, commuting to work suddenly is not a factor.
You know, someone who is commuting in from the suburbs in a train every day is spending $30 a day on transport.
That cost is gone.
So there's a give and a take, and I think it's not equal.
And so it's really important to have a more grounded view of what the difference is going to be.
I would own the side of too little because I really want to encourage my clients to live life.
And you don't want to feel like, okay, cool, I'm retired.
Now I've got to go into my shell and not do anything.
you've worked really hard to get there.
You want to be able to enjoy your retirement.
So when you get that 80% cap, in many ways, you're immediately starting from a more restrained base and that's less aspirational.
And often when we have these conversations with people, we're looking forward and we want retirement to be something aspirational.
So expanding that budget a bit means there's more work to be done today, but it means there's also more to look forward to in the future, which makes that work today worth doing.
I think the inverse is often more useful.
And I'm sure we're going to go into one or two of those rules of thumbs, where it's kind of a what about 4% rule in reverse.
So when you look at your time and spending, a lot of our planning actually plans through multiple iterations of what your spending could be.
And there are different ways of planning.
So if you plug it into planning software, they give you options of...
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