All right, so what does everybody just to mute yourself if you can mute yourself and then we'll call on people individually and then obviously you become

I'm you to when you get called on but if you're not talking if you're not called on please mute yourself that would be beneficial. All right, we can get started.

All right, I'm reccomend to you. I'm here.

You're okay. Yeah, I can't you.

All right, I had a question about a question about life insurance. I know I'm trying to be invested in the stock market, but at the same time I only have life insurance to my job, which is like maybe about 20,000 if I pass away.

I don't know if it's on the job or not, but I'm not sure what to get and how to go about getting, you know what I mean. I'm on 32 and I got a four year old.

So I want to make sure she's straight. Okay, because I know you said something about don't invest to the stock market until you are dead.

I got about $5,000 in credit card.

But I'm working that down as I'm speechless for sure. Well, I appreciate the question. Troy, I get a pen. This pencil broke.

Well, first thing I would say is that group life insurance is what you have at your job. It's always beneficial to sign up for your jobs life insurance plan because usually it's like next to nothing as far as the premiums, like you might be paying like $30 a month for $10 a month for your life insurance.

So it's not that much.

Yeah, the risk for war ratio is pretty, you know, it's only a favorite as far as that's concerned.

But the downside we're having that as your only life insurance is that, um,

that you just mute it. Can you mute everybody? Thank you.

The downside we're having that as your only life insurance is that, um, a most of the time it's not portable, meaning you can't take it with you.

And also, you're limited as far as how much insurance you can get. Usually it's like one or two times your salary.

And most of the time it's usually like group term. It they don't really give you too many options. So getting insurance outside of that.

Um, the first thing that you want to do is figure out, you know, how much insurance you need. That's, that's the most important thing.

So how you have, how you figure out how much insurance you need is a couple different ways. But, you know, one of the quick easy ways to go about it is to see how much money you make.

And then you either like, you know, 10 times that at least 10 times that, well, if you really want to be really aggressive, you know, you can 20 times that.

So like, let's say you make a hundred thousand dollars a year. And like I said, everybody situation is different. But on average, you probably would have to 10 x that's a million dollar life insurance policy. Right.

So now you have to say, okay, how do I work my way into what's affordable to me? So now let's say you decide that you need a million dollars worth of life insurance.

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