As I became better at handling money, I started to observe a recurring theme. Because the theme happened every so often, it could not be ignored any longer. And the theme is that much of the advice given by ‘financial experts’ are incorrect.

Discounting the scammers and the charlatans (which exists in every industry), people are losing money because of poor financial advice that came from people who are in the financial industries themselves: unit trust consultants, insurance agents, real est...