<prompt> Human: To give a little background, Ive just graduated from university moved to Minneapolis. Ill make about 30k this year. My company does offer benefits and a 401k match which Ill obviously take advantage of. Do I need an advisor at this age? Id like to start investing  <response>: After your 401k contribution work on an emergency fund followed by working to pay off any unsecured debts. You could contribute towards a Roth as well. You dont need an advisor. Index funds would be just fine. 