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Victor is with us in Irvine, California. Hi, Victor. How are you?

I'm doing well with Dave. How are you?

Better than I deserve. What's up?

Hi. So, three years ago, me and my wife was buying a life insurance policy from our father-in-law.

We both make a pretty good income, but essentially we're like three years in now. And I just,

I know we've maxed out our 401k or Roth IRA, but I was talking to my father-in-law, and he essentially said it's like a good tax-free investment that we can do with our custom whole-life policy.

And since we already maxed out our 401k and at Rock IRA IRA and we even bought a house recently.

We're just not sure if that's like the best way moving forward to put our money in,

at least with our extra money.

So that's our situation.

Victor, you've been married three years, you said?

Yeah, we've been married for about three years, yeah.

Okay.

All right.

So you're in your mid-20s, I assume.

Yeah, me and my wife are both, uh, 27.

So we got married around 24.

Okay.

Um, well, uh, I have to to give you full disclosure here, okay?

I have been trashing whole life policies and people who sell them for 30 years as being one of the biggest possible rip-offs in the financial world.

So if you say Dave Ramsey to your father-in-law, his face is going to melt off.

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