<prompt> Human: Despite unimpressive incomes, the SO and I are compulsive savers who are terrified of investing. Every year we say well meet with a financial adviser and then we get panicky and dont. The result is we now have well over 100k wasting away in savings we have more in retirement investments at least!.When I think of how much money we have lost I feel sick. It really causes me a lot of anxiety.Anyone have any advice for getting past this and starting to invest? Part of the problem is that the road feels really unclear to me. Whats a good first step?The other part is that I worry that now the market is so high, were coming in at a bad time. The first time I had any money to invest was right before the recession and I saw immediate losses that freaked me out.Help me think straight about money!!  <response>: I think youre a little too anxious about all this. You freak out too much and with an easily spooked mindset like yours, you and your SO would benefit greatly from financial planners and guidance from money-focused minds. You guys did well in saving money and I dont want you to ever feel bad about that, but you should really seek out consultation with financial professionals. 