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Andrew starts off this hour in Miami.

Hi, Andrew.

Welcome to the Ramsey show.

What's up?

And not too much.

Thank you so much for having this, Mr. Ramsey.

Sure.

So I had two questions regarding Whole Life Insurance. I know your general principle,

but I've never actually heard you discuss these two characteristics of Whole Life Insurance,

or these two scenarios.

So I was kind of curious of your opinion regarding the subject,

if you don't mind. Sure. I'm an expert on my opinion. So the first question is like this.

Today in America, if a person is a single person is earning $150,000 a year or less, they can

put up to $7,000 into a Roth IRA that grows tax free.

But at $150,000 after taxes, about $130,000, a single person pretty much anywhere in America

still has plenty of money.

So let's say you're putting money into that investment brokerage account.

My question was on whole life insurance,

it also grows tax-free. I know it doesn't have the same rate of return, but if a person wanted

to increase their long-term tax-free savings, would that still be, would that be something you would

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