Here’s how I typically answer this question. If you have a painful problem with your gums or teeth, would you try to fix it yourself? Or would you hire a professional/dentist to treat you?

Same with your money. If you are unsure of what to do, or you need a second opinion or guidance pay the money to get help. I have and it has made a world of difference. A few years ago, I found an old folder with advice from a financial planner. She had made a number of recommendations – term life insurance in addition to what my husband and I carried at work, disability insurance, stop being so conservative in our workplace retirement accounts, start those 529 plans, create a non-retirement investment account. We followed all the advice and I’m so grateful. We are doing very well because of her guidance. I would have never done that one my own in my 30s because I was too scared of risk. So, yes, pay the money for someone to look over your financial plan.