Sean Pyles

That's our job.

What I'm trying to manage in my personal friend group is a lot of people who see or imagine this incoming AI job apocalypse and think, why bother saving at all?

Because we're not going to be working anyway.

It'll be like the science fiction story, The Time Machine, where we're all just living in caves.

You don't have that with your friends?

And in the meantime, you can't still really rely on these chatbots to give you accurate information.

So I think we're okay for the time being.

At least in the short term.

Yeah.

So say what you can.

And it's better to hedge in that direction versus not be prepared at all.

Yeah.

So James, what we're really getting at in this conversation around the rules is that planning for retirement, saving for retirement is really an individual project and a rule that might be right for one person, might not be right for another.

And then, you know, maybe some of these rules actually aren't great at all.

So for those of us hoping to get a somewhat sensible grip on how much they might be spending in retirement and then therefore how much to save, can you just talk us through kind of simply what you think is a good place to start and how you do it personally?

But hey, at the same time, you know that you're saving plenty for retirement, Elizabeth.

And James, you said the word balance.

And I think that that's so key when it comes to so many aspects of financial planning and even just...

managing your budget or getting the right insurance for you.

You want to make sure that you have that right balance of spending in the right places for the right value product, but not overstraining yourself, not restricting yourself too much or indulging too much.