<prompt> Human: My boyfriend and I are considering hiring a financial planner for advice, although were aware that they are very expensive 200hr where we are. Is this a good bet? Overview of our situation:- No car, no house- Student loans at 1000month between the two of us, to end in 6-7 years- no credit card debt or other debts- Joined savings of 4K, to which we contribute regularly- He has some savings of his own; I do notType of advice were looking for:- would it save us money to be married?- should we focus on saving money or paying off student loans?- were working hard to get to 20K in emergency funds before we make any major efforts to pay off loans and start investments. Is this the right strategy?- should we join our bank accounts?- should we consolidate our student loans?- were looking at some big investments in the long term wedding, purchase a car, vacations, maybe a house. How to plan ahead and prioritize?  <response>: These kinds of questions are asked and answered here pretty much every day for free. You dont need a financial advisor. 