Most people overcomplicate saving and investing, but building capital doesn’t need a spreadsheet, a formula, or a wall-sized chart.

In this episode, James breaks down a simple four-pot system that helps you stay prepared, stay flexible, and steadily build your wealth over time.

He explains how to structure your money into:

• Pot 1: Your emergency fund — the buffer that protects you from life’s surprises

• Pot 2: Short-term savings — for goals over the next few years that your monthly cashflow can’t cover

• Pot 3: The fun fund — guilt-free money for hobbies, spontaneity, and living your life

• Pot 4: Long-term investing — the pot that grows your future security and supports bigger goals

It’s simple, practical, and designed for real life. Four pots. One clear system for taking control of your money and building capital with purpose.

-

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.

info@aristotlefinancialplanning.co.uk