Save or DIY?

You can DIY your money... just like you can take care of your own teeth.
You should brush, floss, and even whiten.
But should not pull out your own teeth?

You still need someone to inspect and professionally clean them.
You still need someone to remove cavities, install fillings, ect.
Most importantly, you need expert advice on your overall oral health.

“Just say no to fees!”
That’s what a lot of financial influencers love to say.

And hey, I get it.
Some firms charge way too much and don’t offer much in return.

But thinking all financial advice is a waste?
That’s like saying:

• Skip the dentist—clean your own teeth

• Diagnose yourself instead of going to the doctor

• Cut your own hair and hope for the best

• Handle your own legal docs with a Google search

Sure, you’ll save money, at first.
But what will it cost you?
It will cost you time, money, energy, mind space, and the opportunities your missed.
But it might cost even more because mistakes can compound even faster than investments.

Here’s the truth:
If your “advisor” just rolls over your accounts and puts you in a model portfolio- then you should question that 1% to 2% fee, and look for hidden fees. That is probably an "investment advisor" in the same was someone who sells you tires is a mechanic. They are just a financial product vendor, a salesperson, even if they have a financial advisor or planner title.

But that’s not real planning, and that is not professional expert services.

Real financial planning looks like this:

• Helping you make smart investment about all your money, not just investments

• Thoughtfully mitigate against all of your taxes, federal, state, local, etc..

• Preparing your wealth for you family, and you family for your wealth.

• Asset Protection

• Charitable Investments

• Longevity consulting

• Helping your business value grow

• Retirement life planning

• Total investment portfolio planning

• Estate planning

• Debt management

• Making smart moves with everything that has a dollar sign
  

And here’s the kicker...

I do all of that.
I’m a business advisor, financial planner, tax planner, exit strategist—you name it.

But I still talk to other professionals. I still pay other professionals.
Because even with all my experience, I’m not the best person to advise myself.

Why?
Because I’m not objective about my own situation.
Because wise people ask for help when the stakes are high

"The first principle is that you must not fool yourself and you are the easiest person to fool." Richard P. Feynman

That’s what financial advice is really about.
It’s not just numbers. It’s about getting perspective, avoiding blind spots, and making better decisions.

So what do you think... surgery at home? Or bring in someone who knows what they’re doing?