<prompt> Human: Just had a thought, people who are making absolute bank, like people making 500k a year, with no debt, would the steps in the wiki still apply to them? What would be different? At what point is it easier to higher someone to manage your finances?  <response>: With all the examples of sports stars and movie stars going broke once their fame ends, it is always important to set some sort of budget to make sure youve living within your means and planning for the future.When you might need to hire someone depends on a lot of factors. If most of your income is just a regular paycheck, theres not a whole lot anyone could do for you. If most of your income comes from owning assets like stocks and real estate, then it probably makes sense to hire an expert to make sure everything is set up in the most tax-efficient way. 