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#484: Kristen\u2019s financial advisor charges a 1.3 percent fee on her investments. They also sold her term life, whole life, and long-term disability insurance. Do they have her best interests at heart?\nCasey has $290,000 in student loan debt. He committed 10 years to one employer for a chance at public service loan forgiveness. But five years in, Casey questions what he\u2019s missing out on.\nSara feels like it\u2019s time to move to a more conservative asset allocation but she\u2019s torn between buying bonds from Vanguard or Treasury Direct. What\u2019s the difference anyway?\nFormer financial planner Joe Saul-Sehy and I tackle these three questions in today\u2019s episode.\nEnjoy!\nP.S. Got a question? Leave it at https://affordanything.com/voicemail\nFor more information, visit the show notes at https://affordanything.com/episode484\nLearn more about your ad choices. Visit podcastchoices.com/adchoices