<prompt> Human: Im 22 years old with 30000 in student debt and 2000 in personal loans for my car. I talked with a financial advisor about a cash-value life insurance policy. I dont have a 401k through my work but make more than enough to begin retirement planning. Is this a good option for me or should I look to something else.?  <response>: No.Let me expand on that.This advisor will pocket your first-year premiums as commission. 