<prompt> Human: For a 20 year old getting his life together, I recently got a college student credit card and I been learning more about mutual and index funds. Do you advise me to invest by myself using something like vanguard or talk to a financial advisor. I been hearing a lot of stories that financial advisors are not necessarily finding the best deals for you. Any suggestions? Thank you.  <response>: A financial advisor will charge you a 1 fee per year and then guide you to high fee mutual funds that take 5 off the top then another 1-2 a year.Or you can open a brokerage yourself and pay 0.1 fees 