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Message: <blockquote data-quote="luvcatchingbass" data-source="post: 384574" data-attributes="member: 1979">Have debated if a person should pay someone like an advisor to help with money decisions. Is there a way to invest properly and not loose your cash or grow your money easier? Then I hear of things similar to DB and makes me skeptical. What does it take to get back what you pay someone for, when successful what do they take for a cut? When someone that is supposed to be looking out for your money well being and is paid to make your money growth and they loose you money what happens to them? They screw up and do they get penalized?I've got some money that automatically gets put into an IRA every month, got a health savings setup the same way, another savings account at a different bank that a set amount each month goes and hardly look at it (started that in about April and now wish I did that years ago), some money in a 9mo CD at an ok rate, company 401K, another IRA that was setup and sitting there from when I changed jobs. got 1 payment on the skid steer left and a little on a credit card working on paying off. So far the best plan I can come up with that seems to be a guarantee is what I'm doing right now, figure out what my known monthly expenses are and ball park my daily expenses take as much automatically out of my paycheck into the savings I don't look at and only live off what comes into checking plus try to grow my normal savings.</blockquote>