<prompt> Human: Im in my early 30s and after a couple years of serious effort I FINALLY paid off a huge amount of debt 30k I stupidly accumulated.At this point I have: A decent salary, 120k 150k in IRAs invested in life-cycle funds A recovering savings : No wifekids No assets. I rent my car is a beater Honda, which i love.At this point in time Id like to set some long term life goals. Things like targeting a year for retirement and getting an idea of what i need to do to get there. Id like to hear thoughts on the following: Is now the time to look into a CFP? Would you do this without a CFP? Do i need a CFP or accountant? i really dont understand the difference Generally, what would you do next?  <response>: There is absolutely no reason why someone at your asset level and situation needs a financial planner. You should do your own research Read the FAQ and youll be fine. You can ask more specific questions in this subreddit afterwards, but theres literally no need for you to hire a financial planner. 