Feeling the financial pinch? Your money can do more for you! Maybe it's time to make your money work smarter. This week on Friends With Money, Michelle Baltazar chats with financial adviser and author of Insufficient Funds James Millard. Grow your wealth and learn the secrets to making your money work harder, not the other way around. The 4 Pillars of Financial Success  Understanding Concessional vs. Non-Concessional Contributions Why a Financial Advisor Can Be Your Best Friend #friendswithmoney #michellebaltazar #jamesmillard #financialadvice Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: [email protected] See omnystudio.com/listener for privacy information.