<prompt> Human: Hi finance peps : I found this great local ex-vanguard high net worth financial planner that charges 1 of a persons salary to be their coachplanner for the year. Ive had a couple meetings with him and he seems great however Im about 35k in debt right now credit card. Ive done a lot of self work in the last year and have a budget that Im sticking to, and working to increase my cash flow. My question is...should I wait and use his services after I pay down debt or is it wise to use him now so were pre-planning my post debt life now vs later? Currently, hes helping me align my 401k and hsa investment portfolio, and some little budget stuff but Im not sure this stuff will take more than a month to do...so why pay a financial planner all year? Thanks! Would love to hear someones thoughtsexperiences in similar positions.  <response>: I dont think this is a smart decision at the moment. CC debt is not like safer debt, youre paying ridiculously high interest rates on it. Really will not see much of a net-positive by diverting money into savings versus throwing it at this. Your 1 priority at the moment should be getting that to a manageable level. 