If you're a single salary earner, no kid, have a mortgage, want to invest into index funds, no plan to have kids, already have a personal budget, would a financial advisor add any value?

The article discusses the dilemma of whether individuals with simpler financial situations should hire a financial advisor. A Reddit user, sharing their straightforward financial setup—single, a mortgage, passive index fund investment, and a budget—questions the necessity of professional financial guidance. Commenters suggest that while financial advisors have merit as situations grow complex, individuals with simple finances can often manage well on their own, potentially saving thousands in fees by following basic financial practices.

One Redditor suggested they could save the original poster $5,000 in financial advisor fees with a quick list of items to do, like checking insurance.

Financial advisors have their place, especially as finances become more complicated; however, a simple personal budget may render them unnecessary for some.

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