re: Do I need to get a CPA???

I should clarify a cpa could maybe help suggest so ways to generate losses if you wanted to start investing in something like real estate, but I think you could educate yourself with 30 minute google though.

For example, you could invest in some rental properties, generate passive activity losses, then turn them into losses to offset regular income or cap gains when you sell the property. Of course depreciation recapture might eat up the passive losses at the end of the day.

Point is your situation doesn't seem like one that you would get much benefit from a cpa with.