<p>If you go to a financial planner that charges by the hour and they give you poor advice, then you are stuck. If you take the advice, the adviser may also get paid by the financial company or into a product that is limited in scope and size. I pay my dentist and doctor by the hour and procedure (thru my insurance and deductibles), some of the procedures and recommendations have been faulty and unnecessary besides being downright wrong. Do you really think any entity either financial, medical, or educational does it without also thinking for itself? </p>
<p>Housing, is an Expense, not an asset!</p>