<prompt> Human: Hello rpersonalfinance, I am a recent college graduate and am trying to determine the most efficient way to save for retirement. My monthly income after taxes is 3,600, and my average monthly expenses are 900-1000. In addition, I have a 1,000 emergency fund and have been paying 2,000 per month towards my student loans 16k remaining. I met with a NWM financial advisor to discuss saving for the mid term and long term, and am looking for additional opinions on what I was recommended. I have a Roth 401k set up through my employer, which I contribute 6 and is matched up to 6. My financial advisor has recommended I cut my loan payments down to 1,000 per month, put 500 per month into savings until my emergencybackup fund is 6x my monthly expenses, 250 per month into investments, and 250 per month into a NWM whole life insurance plan to act as a backup reserve in case the stock market crashes when I retire.Ive never been much of a spender and am willing to save as much as I can for retirement, but am curious as to what your opinions are on what Ive been recommended. My top mid term priority is to save up for a house with my girlfriend, but have no other priorities at this time. What are your thoughts on what Ive been recommended by my financial advisor? Any advice is much appreciated :  <response>: Fire your advisor. Dont buy whole life insurance.Just increase your 401k contributions and student loan payments instead. You can also start a Roth IRA which could potentially get you better investment options than are available in your 401k. 