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[quote=Anonymous]by trust fund challenged, I mean that there is one, but we won't see anything from it til way later in life, (if ever, god knows,) and yet my DH still feels like he doesn't need to do any financial planning. We've been married several years, have two children, and are very very very behind on our finances. I have been too passive, and am realizing we need to step it up seriously if we ever hope to get our act together. I've tried several times, from trying to implement a budget, tracking spending, savings, etc, but we are not disciplined enough about it, and i really would like to have someone to meet with to keep us on track. I found someone over a year ago to advise us professionally, but they were not a good fit. As shocked as I was to realize this, they were intimidated by what they thought my DH net worth *might* be on paper after all is said and done, decades down the road, and the fact we had some cash in hand at the time. They actually said, 'Oh well, you probably don't need to worry about retirement as much as others do.' This is *exactly* the sort of non-logic that terrifies me, as it encourages my DH bad habits. We are far from financial stability, basically living paycheck to paycheck with max three-four months savings and pretty minimal 401k (&lt;30k at age 35). On the upside we have paid off major educational debt and don't carry credit card debt. We have two functioning cars. We are also in a house that we won't fit in much longer, in an area with bad schools, and fairly high crime. I have suggested we use equity from our house, which we have a good amount of (400k) to borrow for a down payment on another house, but that is going nowhere with my husband. I feel like I have been hitting my head against the wall, I just want to feel like we are being responsible parents, and I personally would like to move in the next 24 months. I need a recommendation for a financial advisor (not a joker pretending to be one like the one we met already!) who can break my DH out of his rut and allow us to create our own solid foundation separate from whatever might play out later. I can't gamble with my children's future like this.

While I realize to many on this forum, I will be the butt of jokes for posting this, I hope that there might be one or two decent responses. We are EOTP and work downtown; someone downtown would be amazing. [/quote]

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