Looking for some financial advice...

[Pilon]

Series 7, insurance license, fee based financial planner with designations and a good reputation.

[vankleekkw]

Go with an investment planner unless you have the time to do it yourself. They can provide what the target IRR would be for each option. Then it is a decision on what makes you more money, the investments or not paying interest on debt. Just always remember that the higher the IRR target, the higher the risk.

[cowboykilroy]

Go to http://www.daveramsey.com/ learn what he is about ,then find one of his endorsed local providers for investing in your area.We have been following his plan for about 5 years, it has turned our life around. i was laid off for 9 months this year and was able to enjoy the time off because we were debt free except for the house.

[forgop]

Originally Posted by cowboykilroy

Go to http://www.daveramsey.com/ learn what he is about ,then find one of his endorsed local providers for investing in your area.We have been following his plan for about 5 years, it has turned our life around. i was laid off for 9 months this year and was able to enjoy the time off because we were debt free except for the house.

I've followed Dave some and been through the class. I received money last year and put $10k in savings as my emergency fund and everyone on his message board disagreed with it saying $9k needed to go on my student loan. In a single earner household, the extra $ in the bank was more insurance should I lose my job. Sure enough, I lost it in July and it was much added security to ensure we wouldn't struggle to make ends meet while I was on unemployment.

I think he has some great ideas though.