<prompt> Human: My wife and I work a lot and are now expecting our first child. Time is limited and will become even more limited. Even if I had the time, I am not competent enough to manage our money properly. I understand Financial Advisers are just salesmen looking for commission.We currently just max out 401K and IRA funds that are set for long term investments year 20XX type plans but I dont know what else to do so we put the rest in savings accounts which are obviously not a good long term investment.What do I do? Try to find someone trustworthy who could tell me where to put my money and when to adjust to market changes; if such a thing even exists? Some sort of low-maintenance fund? Anyone else here just not have the time to learn this stuff and still is able to invest intelligently?Edit: Thanks all. Based on this information I came up with this  <response>: If you max out ie. 17000 per year your 401k and your Roth IRA the youre doing far more than what most people do. You could also start a 529 plan for your child and contribute a healthy amount in that every year with a potential tax deduction depending on the state you live in.I would put short term funds ie, 8 month emergency fund in a local banks savings account, medium term funds in Vanguard conservative growth fund, and continue to max out your long term retirement savings. No need to hire a money manager just come back to rpersonalfinance when you have more questions. 