Term vs Whole Life: The Math

Listen up because insurance agents hate when I share this. That whole life

policy you're paying three hundred bucks a month for? You're getting robbed. Here's what the

wealthy actually do. Buy term life insurance for like fifty dollars a month,

then invest that two fifty difference into index funds. Over thirty years, that's a hundred

and fifty thousand dollars growing at market returns versus maybe twenty grand in cash value

that isn't even yours until you die. Whole life sounds safe but it's just

expensive peace of mind with garbage returns. The math doesn't lie.

Term plus investing beats whole life every single time. Want someone to actually run your