Greg, my counter punch is that you can't take your knowledge for granted. What is instinct for you at this point is foreign to others. Many high wage earners are not great with personal finance just like the less wealthy. They need someone to look them in the eye and say, hey, you need to wake up and smell the coffee and here's how you get there.
Me, I'll read a book, experiment, put together a budget, spreadsheet, scheme and plot. Not everybody is that driven. That's why financial advisors exist. I have two good buddies in the business.
Then there is asset protection from tax and death and the list goes on. To me they are a piece of the puzzle that makes it all click.
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Todd
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