Welcome to Nerd Wallet's Smart Money Podcast, where you send us your money questions and we answer them with the help of our genius nerds. I'm Sean Piles. This episode, we are continuing our series where we give a listener a financial planning session in partnership with the NerdWallet Advisors platform. This time around will help a listener who has a million dollars in assets but is worried about whether they're doing the right thing

with their money. We're coming to you from a studio in Los Angeles, and we'll be talking in person

with our listener. But before we get to that, I'd like to bring back Magda Domini. She's a certified

financial planner from NerdWallet Advisors. One thing I want to be clear about is that

Magda and NerdWallet advisors are a distinct platform from NerdWallet.

Magda will give our listeners some specific advice to improve their finances, and that advice will be given on behalf of NerdWallet advisors, not NerdWallet.

Also, we want to mention that in exchange for participating in this series, our listener is getting a free membership for a year of

NerdWallet Advisors. Magda, welcome back to Smart Money. Thanks, Sean. So we've had you on before,

but for those who need a refresher, can you talk with us about what the NerdWallet Advisors

Platform is and what you do there? Yeah. So again, my name is Magda Domini, and I am a

advisor at the NerdWallet Advisors team. What we offer is affordable

financial planning memberships with access to a certified financial planner like myself

for a low monthly fee. With that membership, what we'll do is go over your finances and come up

with a financial plan and some action items that you can start to execute on really quickly.

And you'll get an unlimited access to myself or your advisor, which includes the ability to schedule a call or send us a message at any time.

Great. So Magda, you've worked with countless clients over your career.

Thinking about all the people that you've worked with, what makes the difference between someone who's able to accomplish their financial goals

and someone who maybe isn't? Is it pulling on those bootstraps really hard? Is it luck? Is it just

cash on hand? You know, it's really interesting about what you said is you talked about

meeting your financial goals. And sometimes what folks will think about as it

determines success is making a lot of money or being very wealthy, but it really does boil down to

meeting your goals. And so whatever those goals may be getting out of debt, accumulating wealth,

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