<prompt> Human: Im 25 and married. Im about to graduate with my Masters, and we have zero billspaymentsstudent loans. My job provides our housing, and we can put several grand into long term investing while still being able to raise a baby...but which ones and how? I feel like financial advisorsbanks are just taking advantage of me. So please help!  <response>: Save for your retirement first. If thats all you can do and 18 years down the road thats all you have saved you and feel compelled to help your kids pay for college you can access IRA funds to pay for your childrens education, but this choice should be carefully considered.Ideally, right now, youd focus on your emergency fund, 401k, and IRAs and getting them filled. If you have money available to save beyond that, first I would consider if youre going to need to buy a house eventually and need a down payment for that. Only after emergencyretirementhouse savings would I start worrying about saving for college, and then Id do a 529 plan - through your state if they offer a tax deduction, or any state that uses Vanguard otherwise. 