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 months

Recordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.

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NerdWallet's Smart Money Podcast · Are You Too Late for the Gold Rush? Plus: A Retirement Rule That Might Be Broken · 29 Jan 2026 podcast

Financial independence is about giving you the choice to do with your time what you want to do.

And if that means taking a lower paying job that you really love, maybe recording podcasts, which is a pretty cool job, then you're able to do that and do it on your own time and your own schedule, maybe not as same intensity as it was pre-retirement.

So there's some risk management there, which is really important.

And that is, we have this as well with a lot of clients, specifically higher earning clients.

Let's take the AI situation that we're currently seeing with the risk of employment as a really good example of this.

You've got a lot of tech employees who have earned a lot of money for the last 15 years.

We've been through this crazy mega tap tech boom.

Okay, think of the Googles, Amazons, Facebooks, like these massive companies that have created so much wealth for people.

They might be assuming that they're going to keep earning at that rate in perpetuity.

So great, I'm now 40 years old.

I've been nailing it for 15 years in this job.

I'm going to continue to nail this until I'm 85.

I'm just going to earn the same and spend what I'm spending now, not save anything until I'm 85, at which point Social Security will look after the difference.

There's a massive issue there, and that is what happens if you get made redundant?

And the risk of AI is showing that all to us in real time.

And that is in the tech sector, we're seeing this massive redundancy being created by AI taking people's jobs.

So you're assuming if you're not saving anything today because you're going to work in perpetuity, that the opportunity to work in perpetuity is going to exist.

And that's a risk that you're now taking.

And that's where saving is actually a risk management tool as well as a life enabler down the line.

So it's both sides, which is really important to look at.

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