Personal finance is full of numbers, but most of them don’t actually matter. In this episode, James cuts through the noise and explains the only four figures you really need to understand, track, and build your plan around.

He breaks down:

• Your current financial security number — what it takes to live your life now while still saving for the future

• Your pure financial freedom number — the liquid capital required to rely on no one but yourself

• Your future financial independence number — the realistic target that accounts for lifestyle changes, income shifts, big one-off costs, and the safety margin you’ll actually need

• Your family security number — the amount that protects the people you love if life takes an unexpected turn

James explains how these numbers work together, why they matter, and how to use them as anchors for better decisions. Four numbers. One clear roadmap to financial clarity.

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This show is intended to be for guidance and information purposes only and should not be considered personalised financial advice.

Aristotle Financial Planning Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. You can find Aristotle Financial Planning Ltd on the FCA register under reference 922089. Registered in England & Wales. Company number: 10916254. Registered Office: Unit 4 Darley Abbey Stables, Abbey Yard, Darley Abbey, Derby, DE22 1DS.

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