<prompt> Human: Just began making just over 100,000. Mid-30s, married, with one kid. Only debt is our home. Is it time to get professional advice on investing, retirement and estate planning? If so, where do I start? Or can I handle it?  <response>: You can handle it, its not rocket science. Frankly you should have started ten years ago but with your income you should be able to play catch up. The key will be controlling your expenses so you can put away a high percentage of your income, at least 20-30. 