All right, now you're ready to dive in?

I'm so ready.

Here we go.

All right.

We're going to kick it off with Diane's question.

She says, I'm wondering if I can stop buying into my term life insurance.

I've only contributed three years, but I'm 65 and healthy.

My four adult kids are independent, so there's no dependence.

I aggressively save and invest.

I thought this was interesting because we always talk about how life insurance is important

in most cases, right?

But what do you think about this question?

This is so great, Diane.

I love the way that you framed it because it already tells me you're a financial

mutant that kind of gets it.

So when we think about life insurance at its basis level, you have to say, okay, what's

the purpose of it?

Why do we have life insurance?

Well, it's so that if we were to die today, there are other human beings that are dependent

upon us.

Spouses, maybe it's children, maybe it's family members, whatever the case may be, someone

else is dependent upon my income.

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