<prompt> Human: I just got my first real job out of college, and my starting salary is significantly higher than I expected 90k annually. I have no financial experience to speak of, but I am aware of the importance of paying off my student loans quickly and starting to save money as early and as much as I can. Ive been seeking advice about this from my friends and family, and Im getting conflicting suggestions. One person recommended I employ the services of a financial advisor personal asset manager, someone who would manage my money for me. This would certainly save me a lot of time and energy trying to figure out my own finances, and eliminate the risk of me making a costly mistake as a result of not knowing what Im doing. I asked someone else about this, however, and he said it would be a waste of money. He said that managing ones own finances is pretty easy, and that the only thing I should pay someone else to do is invest for me, i.e. employ the services of a stock broker who would invest my money in index funds and such. This would allow me to minimize fees while having a reliable plan for saving my money.Can you help me understand what my options are, and what the pros and cons of each option are? Any advice would be appreciated.  <response>: You dont need any sort of financial adviser, even for investing. Most financial advisers are just salesmen anyway, who are happy to sell you overprices financial products you dont need or want.You should spend a little bit of time learning how to manage your own finances, but its not hard and its definitely not so hard that you need to pay a so-called professional to do it for you.Please read the FAQ, linked on the right. --- 