I’m looking for feedback on the following model:

C – I pay a financial advisor $89 per month
T – I should focus on saving 6 months of spending because they told me it’s a good idea, but I have other things I want to spend money on
F – embarrassed
A – avoid spending money on the things I know I want even though I’ve trusted my own money decisions in the past before having an advisor, forgot the reasons I hired a financial advisor (which was not solely to tell me how much money to save), question my choices, don’t have my own back, don’t use coaching tools or the model, believe that there is a right way to do things
R – I don’t spend money in a way that seems like a good idea to me