<prompt> Human: A little bit about me:Im 25 and max my 401k and Roth IRA each year. I have no kids and my only debt is a mortgage. I make close to 100,000 a year. I would like to retire at about 52. This financial advisor is adamant, obviously, about getting me to do a whole life insurance plan. He describes is as: He says he has a strategy that will help me hit my goal in 32 years, build wealth tax free, have a way that I will not out live my money, have my plan continue if I become disabled, and leave my legacy to my loved ones tax free This is the leanest policy that can be made, with it becoming a Modified Endowment. Base, term rider, waiver of premium - 333.54 monthly commitment Overfunded- 2,829.59 per month that can be paid monthly, quarterly or annually if its not fully overfunded, it simply wont grow as large. Gives you large flexibility in the event something unforeseen happens. At age 52, you will be able to receive 4,527.66 per month till age 92.At age 92 you would have withdrawn 2,173,280 in cash value and still have 939,382 left.God forbid anything bad- At age 92 you still will be passing a legacy of 1,419,499 tax free to whomever you wantAfter the first 20 years and the overfunding is complete. Then we can look at taking investing 25,000 per year for the remaining 6 years into more aggressive accounts, since your goal will already be set.2083 per month at 7 would calculate out to 187,631 What do you guys think?  <response>: Your financial advisor is going to be the only one retiring at 52. 