Starting with a Financial Advisor when I was 22. Luckily I was able to get educated and get out after 10 years (last year). I am torn because I don't think I would have saved really anything without some help, especially in the stock market, so I guess for me it's like a double edged sword. But Hey, cheers to getting on with it and taking full responsibility of all finances and making sure all the money you earn goes to you and very little goes to fees!