<prompt> Human: So, my wife and I are in our mid-twenties and are finally debt free other than our house. Rather than working on paying off our house, we figured it would be smarter to try and invest our money. Neither of us have a financial background or any knowledge of investing so we have been talking about getting a CFP or someone like that to invest our money for us. We arent really interested in someone budgeting for us as we already do a good job of that.To answer some common questions:-Yes, we are maxing out our 401K accounts-We have not invested in a Roth IRA-We have over 6 months of living expenses saved up-We have very stable jobs-The interest rate on our house is 4.9-We have a bout 2K-3K of extra income a month-We have no kidsWhat do people think about a financial planner?Thanks!Assistant: This question has been raised before and the general consensus is that you should educate yourself on investing, and do it yourself rather than hand the reins to someone who may not have your interests at heart.Human: I understand its something I need to learn. In my mind it is a time value of money question; I can spend hours trying to learn but if I hire someone to do it, may be worth more.I think if the planner charges a percentage of your net worth, it is in their best interest to make you more money.  <response>: The point is that professional financial planners dont have a better crystal ball than you do, and most of them cannot beat the market.I recommend watching this eye opening PBS documentary A fee as small as 2 can cause you to lose 63 of the growth in your investments.This stuff is not small potatoes like you may think. It is extremely important for you to learn about investing, and its not even that hard. A few hours of education can pay off in hundreds of thousands of dollars in potential dividends that otherwise may be lost. 