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Welcome back to another episode of DIY Money.

DIY money.

What chicken, eh, Howard?

No quint for the third episode.

This is so nice. We can say whatever we want. It's party time. We can roast him. You will go back and listen and he'll be like, why were you all roasting me so hard? He loves to do that. The last time it was just the two of us, I don't remember what we roasted him for, but the first thing we rusted him for being bald, I think.

Yeah.

That was it.

I think he was like, why are you bringing that up? It was like joking with us. It was awesome. So, Quint, if you're listening, you are missed. That's exactly right. But next week, I'm out. So it's all fair. That's true. That's true. you're going to be out again. That's love. That's love right there.

Sad, sad days. No A. Howard

on the pod for a week. All right.

We're going to be out again. That's love right there. Sad, sad days. No A. Howard on the pod for a week. All right. We're going to get right into the housekeeping and into the question today. We have a really good one. Send those questions in. Podcast at DIYmoney.org. It's podcast at DIYmoney.org. And you'll get a $25 dollar Amazon gift card if we use it on the show. Check us out on the socials, DIY money podcast or just DIY money on some of them out there. Check us out on Instagram or on TikTok. We're sending out videos. We're talking about things that are going on in the world. So definitely check us out on those different platforms. And then the other thing was to take a quick break for our sponsors.

All right. We're going to get right into the episode today. Our episode is from,

you're not listening when I tell you the next. You're telling me them and then I start talking.

And I'm like, Zach, Zach, what do you know that?

D.I.

Hey, D.Y Money. This is Zach from San Diego.

I've been listening for a while and really enjoy the show. I would love to hear what Daniel's up to these days. My question is about financial planners or advisors. I believe a lot of personal finance can be accomplished DIY, but I was wondering when the breakover happens to getting professional help. Is it based on complexity, a number of assets,

or is it more milestone-based, like 10 years from retirement, five years from retirement,

to kind of how often you should see someone. I'm also curious what makes a good customer or

...