<prompt> Human: Just started working with First Command after they invited a group of us active duty military to a free luncheon where a retired admiral talked about career progression, career paths, etc. They offered a free financial planning meeting and plan. First meeting was rather straight forward debts, savings, budget, etc.. Honestly nothing ground breaking. My wife and I are both in our late 20s with no intentions of having kids, but she kept pushing whole life insurance as a way to secure the future of our children. When we insisted that isnt a priority since they wont exist, she sort of changed the topic.Fast forward a week, went back tonight for her to reveal our financial plan after it was reviewed by home office. I was expecting a thorough look at our budget, areas to save, a review of our investments for portfolio improvements, instead it was a quick look at our budget again, how to move around money for insurance and investments including taking away from money going to savings and paying of credit card debit, and then on to selling whole life insurance and three investment accounts, one Roth each for the wife and I though we have accounts already and a joint traditional account. After challenging the Whole Life policy again the branches principal who was sitting in since our FP just started in June made some decent arguments and ended up swaying me.Walked out of there signing up for all the accounts and 2 Whole Life policies, one 166k for me and a 100k for the wife. On the drive home we quickly pieced together that there was no talk of budget, the fact that we hadnt budgeted for these extra expenses, or the fact that our debt was left unaddressed. It was literally a sales pitch for insurance and investments. After reading around this and other forums Im having some serious regrets about what just transpired.Questions:1 Should I cancel all of these accountspolicies? No money has traded hands and the accounts werent set to be opened until December.2 I assume paying off credit card debit 14k and establishing a healthy emergency fund right now at 2k are far larger priorities than buying Whole Life insurance especially when the funds to buy these policies are coming from those line items in the budget?3 With each of us having our own Roth accounts is there any need to open a joint traditional account if were not yet maxing out the Roths?I think I fell hook, line, and sinker for the pitch. I walked in there naive, assuming the company had my best interest in mind and it only took about 20 minutes on the drive home and a couple hours of research to think that is far from the case.Any insight is greatly appreciated!  <response>: The only people theyre caring about is themselves. Cancel those policies tomorrow and ignore whatever they said. These are sales people in search for big commissions. Post your budget here and well help you get on your feet. 