Host Tim Elliott sits down with James Thomas, an independent financial consultant, on Mira Business FM's Morning Drive for a deep dive into Financial Planning Fundamentals. They discuss the essential components of building a strong financial future, including budgeting, saving, and investing, and how to systematically approach your personal finances. James offers practical advice on risk management and stresses the critical importance of getting started, emphasizing that it's never too late to begin your financial journey. This segment is essential viewing for anyone looking to achieve their financial goals, regardless of their current situation.