If you have children, you may be familiar with the 529 savings plan.
 
This is how it works in a nutshell.

• You pick a plan (sponsored by states)
• You contribute money
• You invest the money 
• Your money grows tax-free
• You use the money to pay for qualified higher education expenses
• You don’t pay income on distributions if the money is spent on qualified higher education expenses

According to some surveys (like this one and this one), workers spend more time planning vacation than working on their finances.
 
If you ask me, getting your finances organized doesn't need to be on par with getting a root canal done. But still, there’s a lot involved for sure.