I can't get a baby out of a woman in under a minute by cutting through, you know, and both of them end up alive at the end.

But I can't figure out why my money is going away into this thing that I never needed.

Look, in a region of the financial universe where we get swindled into accepting a

health care system that invents things like premiums and deductibles and out-of-pocket

maximums to avoid ever having to pay a dime for our care.

It feels a little silly to delineate between elaborate insurance scams, but

as you'll hear today, there are levels to this game, and it's a highly sophisticated one. The reason this particular form of insurance is so dangerous

is because the most vulnerable targets are relatively unknowledgeable people trying to make positive financial strides.

On one of my first calls with a financial advisor, financial advisor is here in scare quotes,

I found myself spinning. He couldn't answer any of my questions about how much I should be saving or what I could afford for rent, but he seemed hell-bent on redirecting my attention to life insurance.

As a 23-year- no dependence and like barely an

income it was not immediately clear to me for whose benefit we would need to

insure my life but he was insistent and I ended up dropping the ball and never

getting back to him and now I'm really thankful for that forgetfulness and avoidant tendency.

I'm not sure how much he would have charged me for a policy but I know with

near certainty that it would not have been the good investment that he promised.

Because as you'll hear this is an intentionally murky part of the financial world

that uses complexity and aggressive sales tactics to part you from your money.

Of course, I'm not a financial financial advisor but I am someone with a very low

tolerance for financial bullshit and boy this stuff stinks. But as always do your own research

and consult a professional,

preferably a CFP who does not sell life insurance rather than a life insurance

...