<prompt> Human: So far I have been saving quite a bit 22k, and was almost able to max my 401k last year and am definitely on track to max it out this year. I have a friend who works for a company dealing in financial planning and has gotten me to come in for some meetings with a financial advisor. They set up a plan for me to keep up an emergency fund, open up a Roth IRA to max out and then open up an investment account with plans to contribute 350month. This all sounds well and good, and Im all for having someone else manage money for me since first off, I have a general nonchalance about money, second Ive experimented in the stock market and kinda suck at growing my own money.The only thing Im having some concerns about is that they also have me opening up a 1mil termperm combo life insurance plan as well that Im having trouble understanding fully. They talk about being able to structure it in a way that it functions as a Roth long term. I definitely want to be financially secure for the future, but really, I dont need too much to keep me happy at the moment. Long term Id like to be able to have some investment property that will supplement me, but generally not a whole lot short term. Is a financial advisor a good idea? I read into some of the general topics, but would love some advice on whether having a financial advisor is a good idea or if this is all feasible if I put in any effort...  <response>: Any financial advisor that tries to sell you insurance is not a good financial advisor. If you dont have dependents you dont need life insurance. Its not an investment. Best thing you can do is have that emergency fund and set up a living will saying in the event of your death use the emergency fund for burial. Assign a trustee to that will as someone you trust.I established a living will at 21 you can add things to it as well like your investments and possessions. Its really great peace of mind to have. 