@revelette1,
revelette1 wrote:I wish I had a financial advisor like you that my husband would accept. We both stink at it.
Lol, I understand. I come from a very poor family and 3 of my 5 brothers and sisters still haven't learned decent financial management either, despite my attempts to help.
You don't need an adviser though. It's not really that complicated in theory. If you get a $1000 paycheck, pretend that it's only a $900 one and put that extra $100 into a Roth IRA (or 401k with a company match - even better). Put that investment into one of the various low/no fee Stock Market Index Funds (I personally put most of mine on the S&P 500 index fund).
Then, don't touch that money.
If everyone simply saved 10% of their income starting at 22, almost everyone would end up being a millionaire. People like to say it's not possible (and for a few, that's true, there is luck involved health wise) but for 70%+ of the population, they have the income to retire a millionaire (or they would have if they'd had the discipline to save). It's obviously possible, even if you make $30,000/year, someone is living next to you making $27,000/year.
It's not easy to stare at cash sitting in an account and not spending it when emergencies come up...but that's what it takes.