Unlock your financial potential with ‘Insufficient Funds: Make the Right Money Decisions to Bring Your Big Plans to Life.’ This essential money guide from financial advisor James Millard cuts through jargon to offer a clear, no-BS framework for achieving your dreams. Whether you seek homeownership, career growth, or family security, learn to define what ‘sufficient’ means to YOU. Discover practical strategies to balance spending with life’s realities, overcome money stress, and build wealth without sacrificing enjoyment. ‘Insufficient Funds’ provides lifelong strategies, the proven 5 Ds framework (Define, Declutter, Develop, Defend, Deliver), and real-world insights to help you align your money with your aspirations, boosting clarity, confidence, and momentum for a happier future.