> For the complete documentation index, see [llms.txt](https://book.moneyblind.net/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://book.moneyblind.net/the-book/4/4.2.md).

# 4.2: (Almost) All Financial Advisers are Crooks or Idiots