2. because the financial planning for children will run into needing to save for retirement more dramatically if you have children later (think: kids going to college when you're 50) I'm not sure he's right about the whole more degrees and more expensive thing.

Agreed that 3 4 6 come from a position of entitlement - being born in an era where those things existed (possibly at the expense of future generations prosperity).

If you have the knowledge to judge financial advisers, you don't need one. If you don't have that ability, you won't be able to tell whether they're any good until XX years down the track, upon which point you'll probably judge them on your returns. And even then, there's a good chance you'll just make a judgement based on random chance/survivorship bias.

Love this.