Just in case you haven’t had the experience, there is nothing quite like a conversation with a financial planner to remind you just how inadequate your financial habits are. If Americans retain a bit of ‘I dunno, I kinda hope so, everything’ll probably work out ok’ about retirement, who can blame us? I mean we don’t get all ‘apres moi, le deluge’ or anything like the French, but still.
Oh, and explaining to a financial planner that you don’t really want or need insurance, for instance, feels about the same as explaining to your dentist that flossing is for suckers. You may be able to assert yourself, you may be better off for taking your own advice, but you’re certainly going to feel like a moron.