Think Twice About Financial Advice

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Learn how you can more effectively decipher the advice that you receive…

Whether you are receiving credit advice, financial advice or real estate advice there are certain things that you must always have at the forefront of your mind if you are to achieve at your highest level.  

Whether you receive advice that you go after or advice while in a casual or formal conversation from someone you love or respect, there are certain times in your life when you must be able to discern if that advice is sound and right for you.

When you’re getting a new job, getting married, having a child, or buying your first home you want to do it to the best of your ability and it all starts with receiving sound advice.   


Solid advice is often well-intentioned (but sometimes the advice may not be so solid).

How do you really know if the advice that you receive (whether written or spoken) is the advice that you should act on?

If you are about to get a new job, get married, have a child, or buy your first home, your credit, finances and home-buying approach must be analyzed by you if you desire to obtain optimal results.


It must not come as a surprise that when you pull your credit report you see results that you were unaware of.


Whether it’s your job hunting (possible credit and financial ramifications), your upcoming marriage (credit and financial ramifications), or home buying advice (credit and financial ramifications), you must be able to discern good advice that is provided to you whether written (this article, other articles on websites, blogs, books, magazines and newspapers etc.) or spoken to you by a financial advisor(s) or anyone else who is providing you advice.

You must be able to separate the bad and then use the good in a way that makes the most sense for your and your family’s situation, and future.


Here’s how to more effectively choose a financial advisor and avoid bad credit, finance and real estate advice regardless of who it may come from.


Know whether the source is reputable…

Who is the advice coming from? Is it from someone who has worked with credit in their past and have gotten proven results? 

Is it from someone who has worked with finance in their past and have gotten proven results? 

If purchasing a home, is it from a licensed and experienced real estate agent who serves the market that you are interested in and has a track record of success?


If so the odds are good that the advice will be solid.  If it’s secondhand from anyone else, it may not be as valuable. Keep in mind that on some occasions the secondhand advice may be accurate—however the odds are against it.




Ask yourself, is the advice coming from someone who has dealt with credit issues in their past? Are they familiar with the credit lingo and the credit factors on credit reports? Are they skilled in some or all aspects of getting credit reports cleaned up?




Ask yourself, is the advice coming from someone who has broad financial knowledge or the type of financial knowledge that you are seeking? Are they skilled in their area of specialization and are they licensed or have the right credentials in their area of specialization?




Ask yourself, is the advice coming from someone who has bought a house? Are they familiar with the neighborhoods you’re looking at? Are they skilled in some aspect of home buying or home building?  Are they licensed and familiar with the home buying process in great detail?


Don’t be afraid to look deeper or seek other sources  to ensure that you have clear understanding and confirm that what you received from one source can be corroborated by another source.


In the end always realize that it is your decision on how or whether to use the advice…  

The sound advice that you may think you are receiving can quickly becomes bad advice if it’s used in the wrong way and at the wrong time.

Once you determine that the advice is useful and really beneficial for you, you need to figure out how and when to apply the advice to get the maximum results.

You must always take a step back and compare your and your family’s unique situation with the advice provided, so that you can achieve at your highest level.

If the advice that you are getting does not make sense to you or you feel uneasy or uncomfortable about the advice, that is usually a signal to do more investigation or pass on the advice.


Always realize that you are not required to follow anyone’s advice.   Don’t make the wrong moves at the wrong times as there is the potential to set back your goals for years if the advice is acted upon in the wrong manner.




In the end it is your decision on whether to allow your mind to receive and act on the advice that your mind receives.  

If what you hear sounds good but does not sit well within your mind and heart don’t be afraid to pass on that advice or do further research.

Always realize that it is ok to change your mind or do further research prior to acting. 

The best time to act on your credit, finances and home buying education is prior to the time that you have to make a decision.  

Do your research and analysis on the front end to protect your and your family’s future interests. 

By doing so you will put yourself well ahead of those who take advice in a haphazard or kneejerk manner.  

All the best…  

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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