<prompt> Human: Here is what I posted last year: Ill give a succinct summary of changes I have made in the past year to improve my situation. This is an ongoing process of improvement and who knows about tomorrow.Still working dead end job retail job 2 raise each year - 520yrMonthly household expenses reduced from 450 to 300month - 1,800yrGot rid of cable, just use Internet and occasional SlingTV stream - 720yrEnded commercial gym membership and use the gym at my apt complex - 300yrReceived additional 5,000 in credit line 0 so far used, no need to by bank in response to faithful monthly paymentsgood credit score. Good for emergency.Was only contributing 4 a week to 401K you read that correctly, ended - 200yrThinking of ending term life ins policy. Hopefully will switch to whole life - 250yrCell phone about the same price, but write off for business Im now a realtor.So basically the changes I have made thus far give me an extra 3,800 at the end of the year. This figure may seem like peanuts to some, but is quite a bit for someone who has averaged an annual income of 13,000 as an adult. It isnt much, but Im hopefully on my way up. Edit: I have not ended the term life policy but was thinking of ending it.Assistant: Ended term life ins policy. Hopefully will switch to whole life - 250yrIt seems like this is the only mistake you made so far...Kudos on the positive changes!Human: Thanks! I would like to switch to a Whole Life policy. Any thoughts?  <response>: If you have no dependents dont get any form of Life. 