Okay, we have a question from Mohit.

A financial advisor suggested that I invest in an quote-unquote investment engine with

death benefits instead of a backdoor Roth IRA.

I did some digging and it appears this is an indexed universal life insurance policy

that says it tracks the market.

Is this a good idea?

So so Mohit has run into someone and said, hey, I've got this great solution for you.

Instead of investing in a Roth IRA, you know, those stink-y-all things, let's put you

in something where you can mimic the market, but when you die, there's still a benefit

for you.

And what do you say as well as universal index life insurance policy, something like that?

It's an equity.

It's one of the right.

Ratchet it up, set out the risk.

So I don't I don't want to speak.

I'm going to speak sort of vaguely, right?

There are tons of products that are wrapped inside of insurance-based products where you

have some sort of investment component.

And we've done countless shows on the ins and outs of those, how they work, what they're

I'm going to give you sort of the bohanson big overview of what I don't like about it.

I don't like when you combine financial products because I think when you start combining them,

neither of them can do the thing that they're supposed to do really, really well.

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