<prompt> Human: I am 22 and recently graduated. I starting my current job a month ago making about 50,000 a year. I am fortunate enough to not have any student debtloans as my parents were able to provide my education for me. My only true expense right now is my rent which is 1,100 a month. My phone bill and gas are covered through my company and I am currently on my parents car insurance for the next year. Because I am able to save a lot of money now, I have been looking into starting a Roth Ira and potentially a mutual fund. I also have a 401k set up with 50 match by my company and plan to fully max that out. Because I have no real experience with any of this, I am looking into some guidance. One of my good friends, who also recently graduated, is a financial advisor at Edward Jones. I have reached out to him briefly for some basic advice. Would it be wise to starting a financial plan through him? I also know someone with Northwestern Mutual who I can reach out to. Both of these people I consider close friends and I can fully trust them. Is this something I should pursue, or am I still relatively young to be looking into financial advising. I want to utilize my age and ability to save now, but dont exactly know how to go about it.  <response>: One of my good friends, who also recently graduated, is a financial advisor at Edward JonesEdward Jones is the McDonalds of financial advice. Northwestern Mutual is an insurance company. Both sell heavily on commission and thus have substantial conflicts of interest.Honestly, at your age and with your situation you probably dont need a financial advisor. You can figure out most of it on your own using information from here and elsewhere. However, if you really want professional help you should seek out a fee-only CFP that doesnt take commissions. There is a network of planners that charge a flat monthly fee and specialize with Gen X and Y called the XY Planning Network that might be worth investigating. The Garrett Planning Network would be another option for people that charge hourly. You can expect to pay 100-300 an hour, depending on what theyre doing 