In this episode, we explore the question of when it actually makes sense to work with a financial advisor. Sometimes you already know what needs to be done—you just need accountability or a new perspective to make it happen. Other times, big changes in income, unexpected windfalls, or simple uncertainty about “am I doing okay?” make professional guidance valuable. The conversation emphasizes that not everyone needs an advisor, but if you feel stuck, overwhelmed, or uninterested in managing the details yourself, reaching out could be the right next step.

Key Takeaways:

1. Try it yourself first: pick one financial goal, give yourself a three-month deadline, and see if you can make progress without help. If so, great! If not, that’s a good sign you’d benefit from an advisor.
2. A financial advisor can add value when your circumstances improve, such as a higher income, inheritance, or sudden windfall, and you want to make smart decisions.
3. Sometimes the biggest need is perspective—a second opinion to answer “am I doing okay?” and provide clarity on savings, debt, or priorities.
4. Investment management isn’t for everyone—some people love doing it themselves—but if you find it overwhelming or uninteresting, having a professional handle it may be worthwhile.
5. There’s no right or wrong choice when it comes to deciding if you should work with an advisor. Just like DIY home projects, some people enjoy managing money themselves while others prefer to look for outside help. The key is choosing what works best for you.

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