<prompt> Human: Im 24 fiancee is 23 and we are having a house built. House is 165k and we are putting 33k down.That leaves us with 30k in the bank and maybe 3k in retirement.I have a 4 match in a 401k and I make about 60k same for my lady except she has no 401k options. We are putting 1k away a month into a roth and when that gets maxed we put it in my 401kMy dad is the person who had previously set up all my finances and budget however he moved away and is adamant that i dont need an advisor just to use my vanguard roth stuff.Problem is Im lazy about researching and investing..But...i dont want to miss out on investing properly; so my question is do i need a financial planner or will i pretty much come out the same as maxing A matched 401k and a roth every year. Because honestly theres not much money left over to invest after i put away for retirement, but all my friends are telling me i Need a person and how much more money they have since handing over the investing to a planner. Ps.Both my and my fiancee are capped in our jobs, we will make about 60k each and no more, cost of living is low in our state though.  <response>: ...when you want to divide the growth of your investments three ways - among you, the advisor, and the advisors company. Personally, Ill just invest independently. Im greedy like that. 