My son recently had the opportunity to bake cakes at school for the very first time.
They were dreadful!
What would happen if you got to bake cakes and no one tasted of them? Year after year you keep baking cakes, but no one tastes them. You’ll probably imagine your cakes are fine. But what if they were not?
What a wasted experience if you don’t get feedback.
When you save for retirement, those who manage your money may not be impartial. They may say, you are doing fine because it’s good for them.
You need to find out, metaphorically speaking, that your ‘cakes’ really taste nice NOW..not in 10 years or 40 years. That requires someone else to do the tasting now and not those doing the baking!