<prompt> Human: I met this financial advisor at my job and after a few meetings I set up a 7702 with him. Im 19 and currently putting 100 a month for this life insurance plan. Did I get suckered into this? Or is this a good savings plan? I do not know much about this stuff. Any input would be great, thanks.  <response>: My general take is you got severely suckered. You should be putting into a 401k up to the company match and then maxing out a Roth and THEN looking elsewhere. You shouldnt be starting with Hey, what can I do besides for the traditional avenues. 