<prompt> Human: Hey, guys. Im currently 21 and planning to put 400 toward both a company 401k 3 match and a RothIRA. Another 2-300 is going into a savings account each month. A friend of mine who is with Northwestern Mutual is trying to convince me that 200 would be better spent in what I believe is a WLI policy, where I invest that money with a guaranteed growth of 4.Now, I could afford to do this and add another couple hundred dollars to my savings account, but Im not sure if this a policy worth my time or not. I dont know a ton about this stuff, but my agent sent me over all of the paperwork we went over, so Ill do my best to answer any questions that might be relevant.Thank you!  <response>: A friend of mine person motivated by making money off me, who is with Northwestern MutualFTFYSay no, say no right now. You dont need it, theyll make a lot of money off you, and youll soon regret it. Fuck NWMFN and people who try and sell those BS policies. 