<prompt> Human: Hi all, I am a college student interested in investing, but this would be the first time I am doing it. I am rather apprehensive about the whole process and would be more comfortable if there was someone to help me with it. What are the pros and cons between robo advisors and financial advisors? I am pretty busy and I dont think I would have time to think about which stocks to get, especially if I dont know the company well.  <response>: Con of a financial adviser: Youre a prime target to be absolutely swindled. The correct answer is neither. You should be investing in an index fund, and if you have income you should be doing so in a tax advantaged Roth IRA. 