Is financial analysis and consolidating debt really worth it?

My boyfriend and I just had a financial analysis done but haven%26#039;t gotten the results on our options yet. Is it really worth it to go through with this? Has anyone had experience on it? I mean we have debt but not so much we can%26#039;t handle. On the other hand we are both mid-twenties and have no retirement savings started and we are not able to put much, if any, in our savings accounts. We will have the option to consolidate debt, start retirement accounts, have money to put in savings, and get better life insurance. Is this just a ploy for the financial company to prey on young people or is this real? Please help!

Is financial analysis and consolidating debt really worth it?
Honestly, debt consolidation does not get rid of your debt - it just moves it around. If you have to pay these people to do this, don%26#039;t. You can do this on your own. There is a great (and free!) plan to get out of debt, save for retirement, grow savings and retire a millionaire (it%26#039;s just a matter of taking charge of your money and putting yourself on a budget). (like the guy before me who said it helped him - several times...well apparently he didn%26#039;t get it right the first time if he needed to do it several times).





www.daveramsey.com Dave Ramsey has helped thousands of families get out of debt and give them financial peace using a very logical and simple method.


Good luck!
Reply:It%26#039;s real baby - it saved my butt from frustration several times - I mean I really got out of a hole. (several times)


These days my life is so free and easy - perfect credit - don%26#039;t owe anybody but it%26#039;s been a tough row to hoe.


(to save money just don%26#039;t spend it) sit back and watch it grow.
Reply:I am glad you and your boyfriend did about financial analysis. It ia about time you start learning about retirement in early age. You are in the right move and you will be happy 5 years from now.
Reply:never heard of financial analysis. you being charged for it?





sounds like a scam to me.





don%26#039;t pay people to do something you can do yourself..