time to call him
Nobody told me that I was going to have to choose the investments in my 401K and decide how to balance it. Silly me for thinking that it was something simple, like shares in one mutual fund. After doing some research and playing with risk tolerance estimators, I realize that I’ll have to actually do some research, get down with some prospectuses(… prospecti?… prospectus’s? LOL!), investigate fees, and take my decision seriously. And I already know that even then, I’ll want some reassurance that I’m doing the smart thing and my choices appropriately address my goals.
So I think it’s time to call that financial planner whose contact information I’ve been holding on to for such a time as this. I’ve been putting this off because I didn’t want to spend time or money on service that I can provide for myself. I have always been a do-it-yourself-er, when the task is something I can do to my own satisfaction. It wasn’t hard to figure out that I need to reduce my high interest debt as quickly as possible, start saving regularly, and reduce my expenses. I didn’t need a financial planner for that. But properly balancing my 401K is another level of finance. I’m ready to learn how to do it on my own - I’ve already started learning. But I’m not so cocky about my ability to learn that I’m going to make my choice based on my unprofessional, inexperienced judgment alone.
Now I just have to find his number…
