<prompt> Human: I work in tech and make roughly 100k a year. I have about 20k of student loan debt and 5 years left to pay it off. I am married, have a child and have a mortgage on a house. I have a 401k that I contribute 6 of my paycheck to. My wife makes about 50k a year and she roughly has the same student loan debt. She has her own pension plan through her work. We both own cars and no longer make payments. Aside from that we dont really have any other assets or investments. Im sure Ill make more money and have more kids.I expressed interest while having a conversation with a work friend and he gave my contact information to a wealth management advisor that works for Northwestern Mutual. He is pretty insistent on meeting but his availability isnt great. Before I make an appointment does anybody have any hard advice on working with wealth management advisors? Is it worth it? I know there are better things I could be doing with my money and Id like to do them but Id rather not pay anybody for advice if I can put a little work in myself. Could a wealth management advisor help me?  <response>: He is pretty insistent on meeting but his availability isnt great.Nope. If he cant make time for you before he has control of your money, whats his availability going to be like after he has control of your money? 