<prompt> Human: Because Its an awesome savings, its secure and you can cash it in anytime.I plan to retire early 45, and Im 30 years old, so I would assume high risk investments are going to be much more beneficial to me. My moms been trying to talk me into taking out a whole life policy for years. I have no children, no debt, and very little assets to my name. It seems like it would be a waste of money, with too little reward to justify the expense.Thoughts?EDIT: I guess I was more or less correct in my assumptions about buying Whole Life. I have stopped taking my mothers financial advice on a lot of things - she is one of those people who means well, but whos financial sense is still stuck in the 70s a home is your best investment!, etc. ... I appreciate the feedback, yall.  <response>: It sounds like your mom has a financial incentive for you to get whole life. Youll be better off without it. Just index fund your money and retire in 15 years. 