A very warm welcome to the early retirement show, the show dedicated to helping you navigate

the nuances of an early retirement, a non-traditional retirement. Now let's get right into the

episode so we can learn how to retire early. Welcome back to the early retirement podcast. I hope

you have been enjoying it and that it is not only

educational, but of course fun, because if it's not fun to talk about retirement planning and dreaming

and what we want our life to look like, then we are missing the whole point here. So I hope you've

been enjoying the podcast so far. I love getting to record it and getting to hear your feedback.

All of you who have been submitting questions on my website, early retirement podcast.com slash submit your question. It is so

fun to see those responses, so please do continue to do so. I'm going to start today's episode

with a little bit of a controversial topic, which I don't think it should be,

but it just happens to be, which is that all financial advisors often think that a financial

advisor can be helpful. And I'm not disagreeing with that. A financial advisor can certainly

be helpful, but I do not believe that everyone needs a financial advisor. And yes, I'm going to say that again.

I do not believe that every person needs a financial advisor.

I think it can often make sense.

I think it can often add value.

But the first thing that I look at when you think about, hey, does it make sense or does it

not make sense?

Or what about my individual situation is don't pay for anything, including a financial advisor,

if the fee that's being charged isn't greatly being outweighed by the value you are receiving.

So let's hop into today's episode and right before we do a reminder that if you haven't left

a review on iTunes, please go ahead and do so. It helps more people find

...