<prompt> Human: Disclaimer: longtime lurker, need some advice.My work offers a 403b program. I am a teacher so my retirement savings is at 11, but I just learned of the other retirement plan 403b that they offer through an outside company. First things first - is that a good investment? Im starting small, with 30 a week, but will eventually add more weekly as I can afford it.Secondly, the retirement guy offers financial advising for 100 a month. He basically micromanages all of my money I have a lot of credit card debt - 8,000 and student loans about to kick in and helps me find areas of trouble and build a savings. We want to have a kid in the next year or two, and I refuse to do so until I am financially stable. Is this a good idea? His contract states that I can opt out any time, and he will refund all fees I have paid, whether it was 1 month or 12 months. It seems pretty risk-free, but Im still uneasy about it.Thanks!!  <response>: He basically micromanages all of my money I have a lot of credit card debt - 8,000 and student loans about to kick in and helps me find areas of trouble and build a savings.This is insanely vague and probably can be done on your own for free with a budgeting app.If the money back guarantee is as good as you say, then its up to you. Might save you some time doing the work on your own, but I doubt its anything that special. 