rickschlosser (writes)
I doubt this lady 'loathes' to spend money.
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Perhaps this lady has been a little too passive about her investments and believes that because she pays someone a fee, all will be well. Well, as we all know it does not always work out that way.
Getting a second or even a third opinion re investments at this level is something to consider.
As an adviser wrote, she does not really know what her financial position is. That is the case with many people. Do that, then you will know where you stand,  and then you will sleep much better. You will also spend much better.
The fog of spending.
Few people are in her excellent financial position.