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Letting an advisor—or your parents—invest for you. There's only one way to learn, and it's by making mistakes, as Roth did. If you enjoy checking up on your accounts regularly and plugging numbers into spreadsheets, you can probably manage your own money. Some people prefer to rely on professionals, and that's fine too, as long as you still play an active role. Most good advisors recommend understanding exactly where you're putting your money and not just trusting someone to make the right decisions for you.
This article is adapted with permission from Kimberly Palmer's new book Generation Earn: The Young Professional's Guide to Spending, Investing, and Giving Back (Ten Speed Press).