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As you get further along in your financial journey, the decisions you make have HUGE impacts.
Many turn to friends, family members, peers, etc for advice. The problem... it is not tailored to you.
It's what has worked well for them and they are telling you about it. This can be dangerous.
And it's a huge reason why having a planner who knows you, your goals, your values, your fears, and your situation is so valuable.