James (Host - Lighthouse Financial Advisor)

speaker

2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

Appearances

newest first · ▶ plays the moment

Cheques and Balances · Building an Emergency Fund in a Cost of Living Crisis | Episode 522 · 11 Aug 2026 podcast

Now, people say to us, like, what's a good structure to have in place? voice-verified

Um, it really does depend. voice-verified

If you are a single mom versus living at home, your fixed expenses differ a lot. voice-verified

One rule that a lot of people do look at is the 50-30-20 rule, which is essentially going 50% goes towards essential expenses. voice-verified

Yeah. voice-verified

So housing, food, utilities, transport, 30 30% goes towards lifestyle. voice-verified

Good luck of 30% of your income keeping up with your lifestyle, my guy. voice-verified

And 20% goes towards savings and investments. voice-verified

So if you can stick to this core principle, that means that 20%. voice-verified

can go towards building that thousand dollars as an emergency fund. voice-verified

I think the main thing, right, is if you are in that situation where you don't have an emergency fund, you're you're finding life tough. voice-verified

Um, you have to start by getting into the weeds and understanding the expenses. voice-verified

And there's probably two initial steps. voice-verified

The first one is to historically look at what's happened, maybe over the last three months. voice-verified

There's a couple of really good ways you can do that at a starting point using a tool like um uh PocketSmith or even just dumping your uh voice-verified

Bank account statements into a like cord or some sort of AI tool to get like a summary of going like what's going on. voice-verified

Or some sort of AI tool to get voice-verified

Uh the thing I would say is if you do that, you are going to be depressed, you are going to be surprised where your money is going. voice-verified

It's just part of the journey. voice-verified

Showing 861–880 of 2,966 · page 44 of 149