<prompt> Human: Im the typical case of the young millennial making decent cash and knowing next to nothing about personal finance. Im in my early 20s making 60k-65k before taxes and currently aggressively paying off 45k total in student loan debt my short term goal is to pay off the private loans 28k in the next two years...thanks mom and pop for the free rent. I was referred to a NM adviser through a friend. Ive had about 4-5 meetings with him and hes pushed me into a Whole Life Insurance policy, as well as disability. I knew from the beginning that he was going to collect a check from this, but I thought I was making a good investment. Now reading into this more, I believe that I havent explored all the investment opportunities I have open to me. He seems like a genuine person, but it kinda sucks that he knows about my other options and chose to put whole life on a pedestal and convinced me that this would be the best investment for me at the time. All in all its my fault and I am an absolute idiot for not taking the time to research this beforehand.Ive been sent the documents for these policies and I have already gone through with my physical. I have not signedreturned the insurance applications. It seems like I can just let the applications expire a word he used probably to incite urgency and not go through with it. Am I wrong? Also, does anyone know the best way to cut ties with a pushy adviser without making it totally awkward? Any help is greatly appreciated.  <response>: Am I wrong?Nope. Also, does anyone know the best way to cut ties with a pushy adviserSure. Politely, but firmly, say, no thank you, Im moving in a different direction. without making it totally awkward? Hes a salesman, for Gods sake, not your best friend! Remember, hes pushing you hard into a bad deal and isnt caring a whit about awkwardness. 