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
Just saying that out loud, I hear my brain goes into overdrive.
I'm like, well, what about inflation, market returns, time to retirement, how long do you live for?
You've got all these variables which are going to kind of undermine the simplicity of that, just knowing your expenses and applying 4%.
The next step, therefore, is actually to get a robust financial plan in place.
And that's where using a professional who can help you run your data through a statistical tool, some kind of planning tool, is going to really give you the peace of mind that the future looks after and allow you to really build a plan that's going to help you execute on that for the future.
It's such a good point.
And I think I mentioned it previously on the podcast.
We're often telling our clients to spend more.
rather than to save more.
Because by virtue of setting up a time with a financial advisor, you're probably on the more risk-averse side from the outset.
I think the way to think about it is we want to live life throughout our life, not just for the future.
And this is quite philosophical and take it from whence it comes.
But think through that scenario where we've often seen this with clients where one spouse dies sooner than expected.
And they're ultimately unable to live the future they had planned to live.
And they wish they had lived more along the way.
So what we like to propose to people is really even it out.
So you're living as good a life today as you will in the future.
What you don't want to do is create an imbalance where you're living too much today at the expense of the future.
Okay, that's going to leave you, Sean, in your friend's case, with absolutely nothing in the future to live off of, which is going to mean they have to go work in a grocery store until they die because they've got to fill in the gap.
Equally, you don't want to be on the other side, which is imbalanced to the not living at all today in the hope of living someday in the future that might never actually happen.
Showing 161–180 of 199 · page 9 of 10
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