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    New to financial planning, I wasted 8 years of my 401K employment matching only 3%. Is it too late for me (30 F)?

    @shanewp1988 Definitely not! Mainly, live below your means, stay out of consumer debt (aside from mortgage), invest as much as you reasonably can as often as you can. https://www.etf.com/docs/IfYouCan.pdf https://www.bogleheads.org/wiki/Prioritizing_investments...
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    Are wealth managers valuable to Gen Z and Millennial DIY’ers

    @mark45 This is not necessarily a generational thing yet a willingness to learn about basics. Some people don't care to learn nor the time and it's worth it to them for AUMs. The value a fiduciary brings, IMHO, is when one has more complexities than the average investor. For example, if...
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