<prompt> Human: Hello! I did read through most of the FAQ, but I wanted to get some personalized questions answered if I could.Some details:-Single Male, no dependents.-Current Emergency Fund is 1 month salary. I know this should be higher, but not too worried about it as I am building it up slowly.-Currently matching my employer 401k Contribution 6.-Debt entails 13,000 4.6 interest, and 25,000 I think 1, it is something very very low.-I am currently paying 1,200month into the 13k, and the min payment of 565 into the 25k.I recently met with a financial advisor for a free consult friend of a good friend, and long story short, we basically tried to set up some new investment options by taking away 500 from the monthly payment I make to the 13k loan, and placing that elsewhere. His recommendation was that we look at my long term, mid term, and short term investments. My long term looks OK as is, but I have no real mid term or short term so he wants to put 100 into some short term investments bonds, stocks, more just play money that I can afford to be risky with and have fun and perhaps increase this once the 13000 loan is paid off, and 400 into a Whole life insurance policy that I am told is to be seen as more of an investment than life insurance itself. The policy comes out to be about 270month, but we were going to pay a premium increase of about 130month to reach a higher cash value, sooner.Now my issue here is that I dont really care for the the actual life insurance policy. Maybe I will down the road, but I just dont right now. If I do down the road, I realize that getting this now would be more beneficial but, I just dont know. I feel like there is something more beneficial I could be doing with that 400month as far as investments go. I dont like the idea that I wont actually see any cash value growth here until like 12-15 years down the road I forget the exact numbers, and if I were to stop this policy before then I would be losing out on a lot of money. I dont really need this 400 and would be fine even putting it in something more risky short term, or anything really...Thats why Im here, to ask for your opinions.I really hope that made sense. I am going to meet with this advisor again tomorrow to hash out some details before this policy takes affect and if you have any questions please let me know. I apologize if I did not explain this well, this is not my forte!  <response>: You were doing the right thing in the first place paying off the 4.6 debt. Dump the whole life policy before you sink more money into a black hole. 