I've been telling people to see a fee-only planner instead of an AUM advisor for years. Finally someone laid out the math.

Great point about 401k. I'd add that learn from your mistakes

I've now shared the early investor vs late investor compound interest table with four people this month. It lands every time.

Your tax-loss harvesting walkthrough with the VTI to SCHB substitution is the clearest practical example I've found.

The rent-to-own breakeven calculation with real local numbers is exactly how this decision should be made.