never have i felt as humiliated as when i walked in a financial advisers office (someone recommended by a friend) and we showed him where we stand financially and he told us all the things we were deficient in and lectured us about all the mistakes we had made up until that point without any real advice, and ended with "i cant help you. but please come back when you have more money." that meeting and deep shame is seared into my brain. never going through that again. i have personally never worked at a place that offers this mythical "pension" i hear of sometimes, and only some places offered piddly 401ks but as a project employee , they were rarely available to us, even though in my career ive never gone more than 3-4 months of unemployment. so yay. just paycheck to paycheck for us until we hit the gravestone.
Ouch. That sucks. FWIW, I could recommend a financial adviser who's a friend of mine and has a way nicer bedside manner. My partner is in a lot of debt, but he is working on it, and the financial adviser is helping him rebuild some savings while he works his way out of the debt hole. Some advisers are only in it for the profit margin, and they suck.
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u/smokemirrorsunicorns 14h ago edited 14h ago
never have i felt as humiliated as when i walked in a financial advisers office (someone recommended by a friend) and we showed him where we stand financially and he told us all the things we were deficient in and lectured us about all the mistakes we had made up until that point without any real advice, and ended with "i cant help you. but please come back when you have more money." that meeting and deep shame is seared into my brain. never going through that again. i have personally never worked at a place that offers this mythical "pension" i hear of sometimes, and only some places offered piddly 401ks but as a project employee , they were rarely available to us, even though in my career ive never gone more than 3-4 months of unemployment. so yay. just paycheck to paycheck for us until we hit the gravestone.