Press & Media
Commentary on retirement, money and living longer
Scott Gallacher is a Chartered Financial Planner, author of 50 Today, 100 Tomorrow and founder of the 100 Tomorrow project.
Drawing on almost 30 years helping people with their financial planning, Scott writes and speaks about a question that traditional financial planning can sometimes overlook:
What is all the money actually for?
His work explores the intersection between money, time, health, family and purpose — and how people can make better decisions about the second half of their lives.
Scott is available for press comment, interviews, radio, podcasts and television.
Journalists working to a deadline are welcome to get in touch directly.
Areas of commentary
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Scott can comment on the financial and personal implications of living longer, including:
preparing financially for a retirement that could last 30 years or more
why retirement planning should go beyond pensions and investments
the relationship between lifespan, healthspan and financial planning
deciding when you can afford to retire
what people are actually retiring to
the changing meaning of retirement
why your 50s can be one of the most important decades for making life decisions
maintaining purpose and identity after work
the particular challenges facing business owners after selling or leaving their business
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Much of Scott's work concerns people who have spent decades accumulating wealth and eventually face a different problem: knowing when they have enough.
Topics include:
how much money is enough?
financial independence
why some financially secure people still struggle to spend
moving from accumulation to decumulation
balancing spending today against providing for tomorrow
the psychology of money
why childhood experiences can influence financial behaviour decades later
lifestyle financial planning
using money when it can have the greatest impact on your life
the difference between being wealthy and feeling financially secure
Scott often jokes that he spends half his working life encouraging people to save and the other half encouraging them to spend
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The biggest inheritance issues aren't always about the biggest assets.
Scott can comment on:
inheritance and intergenerational wealth
giving money during your lifetime
balancing your own financial security with helping children and grandchildren
sentimental possessions and family disagreements
informal promises about possessions
conversations families should have before somebody dies
the practical and emotional side of leaving a legacy
why an inheritance plan should consider more than tax
100 Tomorrow has also created practical resources designed to help families start some of these conversations, including the Promised Gifts Log.
Scott Gallacher — at a glance
SINCE 1997: Financial planning
CHARTERED: Financial Planner
AUTHOR: 50 Today 100 Tomorrow
FOUNDER: 100 Tomorrow
The Book
50 Today, 100 Tomorrow
Planning Your Money and Life for the Next 50 Years
What if retirement planning isn't really about retirement?
50 Today, 100 Tomorrow explores how to prepare financially for a longer life — while making better use of your money, time and health along the way.
How much is enough?
When should you stop saving and start spending?
What are you actually retiring to?
And what are you saving your best years for?
100 Tomorrow in the media
Scott and the 100 Tomorrow project are beginning to attract media interest around the ideas explored in the Journal and 50 Today, 100 Tomorrow.
Daily Mirror · August 2026
When family promises become inheritance problems
Scott contributed to a Daily Mirror article examining how informal promises about possessions can create misunderstandings between family members.
The article followed 100 Tomorrow's work on promised gifts and its free Promised Gifts Log, designed to help families record these conversations before memories differ.
Biography for journalists
Copy-ready biographies for editorial, broadcast and event use.
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Scott Gallacher is a Chartered Financial Planner, author of 50 Today 100 Tomorrow and founder of the 100 Tomorrow project. He has worked in financial planning since 1997, helping people make better decisions about retirement, financial independence and the purpose of their money. He is also a Director of Chartered Financial Planning firm Rowley Turton.
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Scott Gallacher is a Chartered Financial Planner, author and financial commentator who has worked in financial planning since 1997.
He is a Director of Rowley Turton, a Chartered Financial Planning firm, and the author of 50 Today 100 Tomorrow: Planning Your Money and Life for the Next 50 Years.
Scott founded 100 Tomorrow to explore a question that increasingly emerged from his work with clients: once you have accumulated enough money, how do you make the best use of it?
His writing and commentary explore retirement, financial independence, longevity, inheritance and the psychology of spending and saving, with particular emphasis on how money fits alongside time, health, family and purpose.
Scott was also Technical Editor of Personal Finance For Dummies and regularly contributes commentary to the UK national and financial press.
Media resources
Images and downloads
The following material is available for editorial use in connection with coverage of Scott Gallacher, 50 Today 100 Tomorrow or the 100 Tomorrow project.
Scott Gallacher — high-resolution portrait
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50 Today 100 Tomorrow — book cover
High-resolution cover artwork.
100 Tomorrow logo
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Please get in touch, and we'll provide it where available.
Working to a deadline?
Scott is available for press comment, interviews, radio, television and podcasts.