<prompt> Human: Im a single 25 year old guy in a stable job with good benefits and what I feel is in control spending. Im also 6 months into the whole life policy and after deciding to dig into my finances again now that Im thinking about the future more, I found that a lot of sources online say that whole life is a terrible option for wealth creation, and the benefits it does provide I dont feel like I need, or dont make up for the lost income tax deferred savings 0 interest loan to myself. Im beginning to think I may have made a serious mistake. Can someone tell me if Ive been manipulated into getting something I dont need for a commission check? Salary - 60490, consistent COLA of 2-3Emergency cash - 14000Credit card - I use this for almost everything 730 credit score - 1677.41 Student loan - 8 years left, 330mo - 26400401k - 6 contribution, 6 match 2 employer contribution that scales - 4426.27 0-4 years - 2 base contr., automatic 5-9 years - 3 10-14 years - 4.5 15-19 years - 6.5 20 years - 8Non-custodial Roth IRA - 0 contribution - 5652.81Mutual fund - 400mo - 2641.76Whole life insurance - 300mo - 286.22 cash valueTL;DR - I cant compare the whole life policy to an index fund and am not sure if Im being misled for commission or not.  <response>: Dump it yesterday. No need for life insurance until kids. 