<prompt> Human: While I have had success saving, I really am clueless with how to make the most of my money and every time I come back to this subreddit and read through postsFAQ, I get a paranoid feeling Im not doing things right mainly in terms of investments.Heres a breakdown.-23 years old, make about 3500 per month, sometimes more depending on if I get new odd jobs but thats the minimum. -Living at home. On a normal month I spend about 800-1000 on bills and leisure expenses.-One of my goals is to buy a condo in the next year. I would like my budget to be between 180,000 - 250,000. With that in mind, I love travel and would like to allocate at least 3000 per year to that.-No debtI currently have 15,000 in a savings account 1.05 interest, 32,000 in my TSFA 0.75 and 2000 in my RRSP. So in total, just a bit short of 50,000.I am terrified of risk and for some reason, chickened out when I was supposed to meet with a financial advisor and cancelled. Another thing to note is that I constantly struggle with the concept of saving the majority of my money for retirement. Sometimes Id rather enjoy life now when Im young and healthy, in moderation of course...Do you have any recommendations for me? Also, where can I find a good financial advisor? Correct me, please, but for some reason I feel distrustful of advisors working within banks, ex; TD Bank. But is there really any difference between going to them or going to an independent advisor?Thanks!Assistant: Youre in much better shape than I was when I was your age. You have a pretty high income, nearly negligible expenses and are about to buy a home, what more could you ask for?I think as the one2ninja said - Id advise you get some sort of physical exercise if youre not already. Figure out what you want to do and start doing it and set a goal for how much you want to save and do that as well.Personally, Ive been overdoing it a bit with my savings and skimping a little too hard the past few years, so Im working on loosening the purse-strings a bit. However, there are still a bunch of free or really low-cost activities out there. Personally, I find just as much and sometimes more enjoyment reading library books than buying books. Going for walk, jog, run, swim, bike ride than spending money to train in a gym.Anyways, youre off to a great start, think you should be fine.Just do your research and if you dont want to work with a bank you may want to check out NGOsNon-profits there are typically a handful that offer free or low-cost services that know their stuff and arent trying to take your money.Best.Human: Thank you. Can I ask why you are stressing physical activity?  <response>: Personally, physical activity puts me in a better mood, improves confidence, helps you relax, and lowers the desire to spend money on alcohol, drugs, eating out, other expensive habits, and can help your health which will pay off in the long-term.My guess is some meditation, breathing, stretching, yoga, physical exercise will help calm you down and better prepare you to meet with a financial manager. Its really not too hard when you do it, just make sure you have your priorities straight. 