Not everyone needs to work with a financial planner, but for those that do, it might be tough to figure out when the "right time" is and even who should you actually hire. Ryan takes a deep dive into the who, what and when is the right time (and type!) of financial planner to help you navigate your financial goals.

If you still don't have a financial plan, spend the $25 and build your own plan by buying Taylor and Ryan's book on creating your financial plan without the long hours and sleepless nights. www.financialresidency.com/book