Findings from the second annual Guardian Workplace Benefits Study reveal that many millennials identify themselves as Do-It-Yourselfers when it comes to making financial decisions. The tendency to rely on friends, the Web and social media for advice rather than on professionals is costing them — not only in their wallets but potentially in their health as well.

Forty percent of those polled in Guardian’s 2014 Workplace Benefits Study identify themselves as DIYers when it comes to financial planning. The study also indicated that these independent-minded individuals appear to be falling behind their peers when it comes to preparing for a secure retirement and obtaining insurance solutions.

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