<prompt> Human: So after filing my taxes yesterday, I asked my tax lady if she recommends getting a financial advisor. She said no unless I was investing a big amount of money, any thing over 10,000 dollars and that I was smart enough to manage money myself. However, I read in the book The Millionaire Next Door that the wealthy have great financial advisors. So do you guys recommend them? I am in my mid 20s, work for the government, paying off two credit cards less that 1600 left to pay, and have some student loan debt. I am currently saving up to move out of my moms house to get my own place. Thanks!  <response>: I dont see the point to one at this stage in your life. Per your post it sounds like you dont have a lot of money to invest, if any at all, given you have debt you need to pay down.The reality is the majority of personal finance and investing is incredibly easy. Regardless of who you are, what you do for a living, and what your background is, I can guarantee you can figure it all out rather easily. This sub-reddit alone is a great resource.For you it sounds like you focus should be 1 Build up an emergency fund of cash that can cover 6-12 months of living expenses the of months depends on how conservative you want to be. Put this cash in a high yield savings account like Marcus or Ally and leave it be. Tap it only for emergencies and unexpected expenses, like your car breaks down or you have to pay a medical bill.2 Continue to pay down your debt. Knock out that credit card debt ASAP as that kind of debt tends to carry a high interest rate. Make sure you are paying off your student loan debt at a healthy pace.3 Contribute as much as you can to a Roth IRA. The annual limit is 5,500. Any money invested into a Roth IRA will grow tax free and can be withdrawn tax free. Vanguard, Fidelity, and Schwab are great places to open a Roth IRA. You can invest your money in a Target Date fund and just forget about it. Its that easy.4 Focus on contributing a reasonable amount to your other retirement accounts, like a 401k or a 403b or whatever corresponding account you have access to as a government employee. Again, a Target Date fund or an SP500 Index fund are great choices to invest in. They are easy set it and forget it type investments. No need for an advisor. 