<prompt> Human: Im extremely green with financial stuff, and have only had a 401k set-up through work as a retirement plan. I recently acquired some money through an accident settlement and decided to have a financial adviser help me figure out what to do with it. I wish I had taken the time to research advisers and companies, but Im dumb and just went with someone that a co-worker told me they had recently met. The adviser works for Northwestern Mutual and has a great personality, so we hit it off instantly, and I just agreed to what she told me would be best. In mid-November she set me up with: Long Term Disability I was unfortunately turned down for due to the accident referenced above 150k Term Life -- 5.44month 74k Permanent Life -- 94.56month Roth IRA -- 150monthI also gave 10,000 to be invested in a medium-risk portfolio, because Im not ballsy enough to try the high riskhigh reward route.--About me: Will be 32 in January 40,380 base salary small commission on each of the mortgages the Loan Officer I assist closes -- YTD total income is 51,459 Currently have 4 going to 401k with my company matching 50 -- only have about 3200 so far Monthly obligations are mortgage 446 -- sister pays the other 500 as rent; HOA dues 165; car loan 170; horse board 500; car insurance 97; student loan 56.70; phone 63; Comcast 162--After talking to a friend and doing some reading, Im pretty sure that putting 250 into the Roth IRA every month would be better than doing 150 and having the CVLI policy -- is my thinking correct?When I emailed the adviser last week to tell her Id like to stop the CVLI Ive only made one payment so far, so I figured theres no huge loss and put that money towards the Roth IRA, instead of agreeing, shes asked me to get together so that we can talk through it before making any final decisions. According to my friend who has experience with NWM, this means shes going to try to convince me to keep the CVLI since thats where they make the most money.I guess Im looking for some feedback on the current plan and my situation, and if the CVLI isnt a great idea, what can I say ifwhen Im pushed towards keeping it? Im not the type of person that can just say, Its my money, so do what I want, because thats too confrontational for me damn my Minnesota Niceness, so I figure that having factsarguments to present will keep me from backing down.  <response>: Close your account with this person as fast as you can, is my advice. 