<prompt> Human: My wife just graduated school and started working. Our household income will now change to about 155,000-165,000 a year depending on bonuses from about 70,000. The debt I have is her car, a motorcycle, her school loans and our house. I feel like I have a pretty good plan for what we need to do with our finances but Im wondering if I should consult a financial adviser. Ive had an acquaintance who is a financial adviser call me a few times since shes graduated asking if I will meet with him. Im no Dave Ramsey worshiper but I think he has some good ideas and Ive read some of his books. I currently invest 7 into my 401k and have for the past 5 years. Wifes job doesnt offer a 401k. My plan is to use the snowball method to start paying on our debt I know some dont like this since its not based on interest rates but Ive used it before and it has worked for me. We have a small emergency fund now so I plan to continue building that while paying heavily on debt. I am 29 and she is 26. I am open for suggestions from you guys. Thanks.  <response>: Ive found that a financial advisor isnt really necessary unless you have an excess in net worth. From the looks of your situation, its pretty cut and dry at this point.1. Pay off all your debts.2. Build your emergency fund3. Get to max contributions for IRA and 401kUntil you can get those 3 items completed, theres no necessity for a financial advisor as you wouldshould not have the spare income to invest in a financial advisor. If they tell you that you do, then you should be wary of them, regardless if theyre a friend. However, thats not to say that you shouldnt invest. Start a portfolio, look into certain funds and whatnot, but it shouldnt amount to more than 1000 a month. 