<prompt> Human: So I just had twins little under a year ago, and Im really looking to ramp up my retirement game and sending kids to school game. Any advice would be greatly appreciated. Thank youAssistant: Life insurance isnt an investment. Buy some appropriate term life insurance but stay the hell away from whole life insurance or anyone trying to sell you insurance as some kind of investment account.As tempting as it is to set up special savingseducation accounts for your twins, those accounts usually arent worthwhile until youve taken care of your own financial health. They should be way down the list of priorities after ensuring youre good in terms of debt, emergency funds, and tax-advantaged retirement accounts.Human: Thank you. Are you aware of some well performing retirement accounts. 401k is a sloppy performer IMO  <response>: ??? 401k is just a vehicle that has tax advantages. You can invest the money in sp 500, junk bonds, or treasuries. You dont invest the money in a company called 401k... 