<prompt> Human: Im looking for advice on whether one of my current retirement strategies is a good idea. Specifically, this is a Supplemental Retirement Benefits with Life Insurance plan through Guardian, and it was recommended to me by my current financial advisor. Here are some relevant details: I am 22 years old, and I began this plan in 15 I contribute 250month 3,000 a year into this plan According to my advisor, this plan will result in a cumulative net value of 300,140 when Im 65 I can then withdraw about 15,000year after tax until age 85 In addition to this, I am contributing 450month to a TD account invested in MGK, and I put 875month into my savings account.Overall, I understand the value of a plan like this, particularly as a safe, retirement option for the long-term. I simply want to see if any of you have experience with it and also see it as a good strategy. The last thing I want to do is blindly follow the advice of one person and realize too late that it was a mistake.Any insight would be greatly appreciated!  <response>: It sucks.If you put 250 a month into a 401k at 7 returns from age 22 to 65 you would end up with 766,886.That money could give you 30k a year for pretty much ever. The balance could then get inherited by your kids. 