<prompt> Human: The financial advisor thread made me wonder. Im not interested in buying insurance and Im not ready to invest but I sure would like to sit down with an expert and evaluate my budget. The things I read in this sub are helpful but usually generalized. So where can a middle class schmo, like me, find such a service?Edit: Thanks, everybody, for your impressive zeal to help and for sharing your knowledge. I will seriously reconsider how to go about formulating my financial plan.Assistant: The things I read in this sub are helpful but usually generalized. How so?Post your budget and youll get specific advice.Human: I might end up coming back for budget advice but Im looking for more than just budget assistance. As I mentioned elsewhere, Im not confident in my ability to gather information piecemeal and reassemble it into a coherent strategy when it comes to money.Assistant: What kind of strategy are you trying to assemble?As other people mention, a financial adviser is probably not going to be very helpful with things like household budgeting.If you tell us what youre trying to accomplish, we can help you.Human: I just want to be sure to implement a wise strategy--whatever that may be.I dont want to work until I drop dead so I should plan for retirement. Rent here is ridiculous so I want to buy a house which will require a down payment, credit shopping, credit score management, and probably other things I havent considered. We have a budget that allows us to save about 25 of net income assuming the car doesnt need work, there are no doctor visits, and there arent any other emergency type expenses. There are probably many other things I should care about that I dont even know about.So what I think would be really nice is to sit down with somebody, hash all of this stuff out, and walk away knowing exactly what I need to do. I dont want a good enough plan. I want The Plan. If its possible to fork over some cash in exchange for that, its worth it to me.I dunno. Maybe my heads in the clouds and no such thing exists.  <response>: Nothing youve asked suggest you need some super tailored advice.As with 95 of others, you should, in rough order:1.Pay down any high interest debt such as credit cards.1a.Contribute to a company 401k or similar up to company match. 2.Save an emergency fund of 3-6 months worth of expense2a.Max out a Roth IRA 3.Save for shorter term goals house, wedding, education, child etc3a.Max out 401k4.Pay off other debt mortgage, etcNow, which of those steps do you need additional helpadvice with? 