Helping people make better decisions today so they have more choices tomorrow.
I'm Scott Gallacher.
For almost thirty years, I've been helping people make some of the biggest financial decisions of their lives.
But over time I realised that the questions people struggled with most weren't really about money.
They were about time.
How much is enough?
When should I retire?
How do I make the most of the years ahead?
Those conversations eventually became 50 Today 100 Tomorrow and, later, 100 Tomorrow.
This website exists to help people think more clearly about money, time and living well—not to sell financial products.
Why I Created 100 Tomorrow
Most financial education focuses on building wealth.
Very little focuses on using it wisely.
Yet many of us could spend thirty, forty or even fifty years beyond full-time work.
That changes everything.
100 Tomorrow explores the decisions that shape those years—from money and work to health, purpose, family and relationships.
The aim isn't to tell you what to do.
It's to help you ask better questions.
"Better decisions today create more choices tomorrow."
A Little About Me
Financial Planner
Joined Rowley Turton in 1997 and advising clients since 2003. Chartered Financial Planner and Director.
Author
Author of 50 Today, 100 Tomorrow, with more books planned as part of the 100 Tomorrow collection.
Speaker & Writer
Regular media contributor and writer on money, retirement and living well.
Away from work you'll usually find me on a golf course trying to reduce my handicap, watching Leicester City, or spending time with family.
Like many of the people who read this site, I'm still trying to work out how to make the most of whatever tomorrow brings.
My Professional Background
I’m a Chartered Financial Planner and Director of Rowley Turton, an independent financial planning firm based in Leicester.
Many of the ideas behind 100 Tomorrow have grown out of conversations and experiences from my professional life. Even so, 100 Tomorrow is deliberately separate: it is an educational project, not a financial advice service or a route into Rowley Turton.
Its purpose is simply to share useful ideas and encourage better questions about the years ahead.
Books
50 Today, 100 Tomorrow
70 Today, 100 Tomorrow
The Purpose of Money
A Life Well Lived
If something on this website helps you make one better decision today, then it has done exactly what I hoped it would.