<prompt> Human: So I work a good retail management job in the Midwest. Im 35 and have a wife and two young kids. I make over 100,000 a year before taxes and insurance, half of which is paid out in bonuses 3 times a year at a high tax rate. I recently purchased a house. I have a savings of about 7,000 and a 740 credit score. The only problem is that my job seems to have a high turnover rate. Ive worked for this company since I was 20 but the longer I work here, the more I realize that people do not retire from this position. I love my job and will try to keep it as long as possible, but the reality is that it seems to be no job security. I worry about taking care of my kids college and retirement.Other than my savings account, and one years worth of mortgage payments on a 30 fixed rate paid, I do not have any investments or savings. My job does not contribute to their 401k, so I never started one. Should I? Or should I look into a Roth IRA? Or any other ideas? Any advise would be appreciated.Assistant: So how would i find the best one for me? Do you recommend a financial advisor to help?  <response>: You dont need a financial advisor at this point, you need to become more comfortable and knowledgeable about managing your own finances. Theres a ton of resources out there just check out the sidebar of this wiki!. But if you do decide to use a financial advisor, be sure that you choose one who is fee-only rather than commission-based. 