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Reply to "Is it ok not to have a financial plan?"
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[quote=Anonymous]I AM a financial planner, and I think you're doing pretty well. To be honest, if you are saving enough for retirement and aren't generally making poor financial decisions (credit card debt, etc.) then there isn't much a plan can do for you. Like a PP said, it's probably just a confirmation that you're on track for your goals. You may be "missing out" on opportunity though if you have a lot of cash laying around that you aren't putting to work for you. If you are just saving it in a bank, you're not losing it but it could be growing. Not sure if that's your situation or not. Again, you don't really need a full financial planner to tell you that - it's something you can do the research on and get set up pretty easily. Just take some time to actually DO IT. That is where most people fail. [/quote]
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