<prompt> Human: I have a little over 200k sitting in an Ally savings account and 75k in a Vanguard SEP IRA. My spouse and I have no debt and we rent an apartment. I feel like I should be doing something with the 200k. Should I just dump a big chunk into a low-fee taxable Vanguard account? Assistant: An Idiot - No. More risk adverse than you need to be - maybe. With that amount of money sitting around - why not leave it to a professional - you can surely afford 1-2 hours with a CFP : They will ask you dozens of questions for far more details than you post here and create a plan for you based on your exact situation.Human: We met with a CFP guy about two years ago. It seems like he didnt really know what to do with us since we had no kids, no student loans, no debt, and no plans on saving for a house. He basically said to keep savings and putting money into 401kSEP IRA since some of the money is via self-employment.  <response>: Youre way ahead of me...how did you go about picking the CFP? Is there a reason why you didnt go talk to someone else? Im pretty skeptical when it comes to talking to people about money, I always feel like they try to sell me on investing in something that I dont know enough about. Im told to try the bank financial planner first, but it was a pretty similar experience. 