Ian Richards is a chartered financial planner and founder of Work to Live Financial Planning. Ian focuses on giving you certainty over what to do with your money by producing a tailored plan to achieve your goals. He specialises in independent financial advice, financial planning, lifestyle planning, investments and pensions.

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(00:00) Introduction
(03:47) Ian Richards background
(05:52) How much of financial planning is mindset?
(07:46) Is it better to save or spend all of your money?
(09:45) How do you find your financial 'why'? 
(15:55) What do you consider when building a financial plan?
(19:05) Scarcity mindset and lack of financial clarity   
(21:43) The fear of lifestyle inflation 
(24:23) How do you manage your income as it increases?
(27:14) How do you structure your income on a monthly basis? 
(29:53) What do you do if there is a financial market crash?   
(32:58) Feeling the pain at the bottom of the market 
(36:50) How should you invest a large sum of capital?
(40:43) What is income protection insurance?
(43:41) How important is accountability & ownership?   
(49:00) Where can people find you?

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