As per what I know, ear wax does not really accumulate if one is having a head bath/shower once in while. This is because the water trickles down into both ears and makes the wax in them loose. In the case of those having a lot of ear wax, this may be loosened with the use of ear drops. However, it is not advisable to take over-the-counter bottles from your local pharmacy. If there is a lot of ear wax, it would be better to first consult an ENT specialist (ear, nose, throat specialist) as it is possible the ear wax has hardened and causes a bit of pain. Depending on the nature of the blockage caused by the ear wax, the drops will be prescribed. In fact, what the ENT may first instruct is to use the ear drops for a week and then report back. On the second visit, the ENT will simply aim a spray of water into your ear and the blob of hardened wax will pop out. This is the course of treatment I had taken some years back when I felt a hard blockage in one ear. It is possible that the ear drops may not be required at all and the ENT may be able to clear your ears on the first visit itself.
Most of us do use cotton ear buds but in reality, these should not be used at all. Earbuds can be as unsafe to use as is the case with poking the ear with a pencil or a toothpick or some other object in the ear. Avoid doing such idiotic things as it can damage the delicate eardrum and rupture it. The eardrum may subsequently not heal at all and you may end up with hearing loss. The bottom line - do see an ENT specialist when required.
An important point to note here is that after the afore-mentioned spray of water and removal of the stony, hardened wax, one's hearing gets magnified. One literally hears terrific noise all around and it is really unbearable! To avoid the battering of the eardrums, put some cotton in the ears for about an hour (the ENT will likely give you this) but also ensure that the cotton wad is not so small that it disappears inside the ear.
When you make a commitment, you create hope. When you keep a commitment you create trust! ~ John C. Maxwell