Are you a FORO or a YOLO?

James Harris

Published on: 14/08/2026

Over the years I’ve spoken to thousands of people. Clients, friends, people I meet, business owners, retirees and families. And I’ve noticed something interesting. I think most people fall into one of two camps. FORO or YOLO. You might not

Financial Planning

The pattern I keep seeing with money (after a decade of watching people)

James Harris

Published on: 30/01/2026

Spenders, savers, scared, wealthy… the pattern always comes back to this. After years of working with money and people, I’ve realised something. I’ve seen everything. The big spenders...

Money Management

This one made me emotional.

James Harris

Published on: 20/06/2025

A client shared this, and it hit me harder than I expected. Here's why...

Money Management