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time vs money
I don't have enough money to make it worth hiring a financial adviser. I manage my 401k and my small portfolio myself and have made a decent return.
I do use an accountant. I am an engineer so it wouldn't be hard to do my taxes myself, especially with turbo tax. However, I own a rental condo and have some other extra things to consider. It would take me a lot of time to make sure I get the best refund. I have a two-year old and a job so it is worth it for me to pay someone. The time it would take is worth more to me than the $300 fee.
Also, every year the accountant has managed to save me more money than I pay him by pointing out things that I didn't know about or forgot about. I might have found those things on my own, but it would have taken a lot of my time.
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