Anonymous caller: At what point do I know it's time to work with a CFP or financial advisor? She says she wants to retire early, hopefully in her 40s. "I'm at the point where I don't know if I can continue doing this on my own and just keep doing what I'm doing," anonymous caller says. Paula Navarrette: In honor of Ida Tarbell, we're going to refer to that person as Ida.

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