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gwern comments on Financial Effectiveness Repository - Less Wrong
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Self-selection is the default explanation; the onus is on financial planners to show that they are helpful.
You could... I don't know, select some people, offer half of them $1k to go to a financial planner and the others $1k in exchange for reporting on financial health, then see if the experimental group is better off a year later? This is not harder than doing things like deworming studies in Africa.