<prompt> Human: At the end of the day, you can say our family has poor self-control. We do spend more than we should on silly things like restaurants, which seems to be the norm, and the data in YNAB shows where we should make cuts but month after month we just ... dont. We feel a a fee-only financial planner would help us by offering the psychological equivalent of a kick in the butt - making us a bit more disciplined. Has anybody been through this experience?I guess what I expect is to allow herhim access to our YNAB numbers, 401k accounts, etc.. and she would set strict objectives for us, outline the dangers in the path were following, etc..Any feedback is appreciated. Thanks!  <response>: Its ridiculous to pay someone for something like this. Willpower cannot be bought anyways. 