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We have been using a financial advisor for about the past 5 years or so. Prior to that, it was mostly just $ in our 401k's and an annuity I had opened on my own. When I became self employed and my wife switched jobs about 7 years ago, we had our 401k's just sitting there and was recommended by...

I am currently working on a budget and have discovered that my basic expenses are kinda crazy. These are annual #'s. Cell phones: $3,060 (3 smartphones, one dumb phone) Satellite: $1,344 Internet/phone: $924 (We are kind of stuck with our internet provider and the phone is included)...