<prompt> Human: Hi PF,Ive been lurking on and off, and have really been impressed with the advice found in this subreddit.A theme Ive noticed is that financial advisors are not the way to go, and with a Google search we all can manage our finances ourselves. This sounds great in theory, but Im getting to the point where I cant seem to find the time while balancing the rest of my life work family. So Id love to hear how you all do it!A bit about my situation I am well aware that from a financial perspective Im extremely fortunate, but have noticed others in this subreddit who are doing well ask for advice, so thought Id give it a shot!:I am marriedI make 165k per yearMy wife makes 100K per yearWe have no debtWe both spend the majority of our time at work. For instance, I generally leave the office around 8 or 8:30PM, swing home have some dinner, take care of a couple errands, talk to friends or family and then hit the sack around 11PM.Were sitting on some cash right now:120K in an account which earns only 0.80 pa.Weve maxed out our Roth IRAs and each contribute a large percentage of income to 401k. In the past Ive invested some of our money in equities using a lazy-mans fundamental analysis light browse of financial statements for anomalies, news, competitive analysis and have done okay.. but id chalk it up more to luck than anything. So clearly not sustainable from both a gains as well as time perspective.  <response>: Generally the advice youll see here most often should not take much time; pretty much set it and forget it. Determine your desired allocation. Buy low cost index funds. Revisit once or twice a year, maybe every quarter. The FAQ has additional information with respect to lazy portfolios. 