<prompt> Human: I love this thread and the advice people give on here so I figured I would pick your brains and see if you can help me out. My wife and I are both in our mid 20s and completely debt free.1. Our pre tax income is around 170kyear. We have been working with a financial advisor for the past couple of years to help us deal with our investments. 2. We currently max both of our ROTH IRAs. 3. We have an additional 700month going into an aggressive Roth 401k, 4. 2100month going into a brokerage account to save for a house. 5. We have another 1500month going into a savings account to pay for vacations and cash for our cars when we need new ones. 6. Our 6 month emergency fund is completely funded.So I think we have a good start but I am wondering what else couldshould we be doing? Our advisor is trying to sell us on the idea of permanent life insurance as a savings method for retirement because of the safety and deferred taxes. The company he is suggesting we go through is mutually owned so they pay dividends back to the policy holders. Does anyone have any experience with using life insurance as an investment? I know it isnt a primary means of savings but we are looking at it in order to diversify our portfolio.  <response>: You need to max out your Roth TSP. You guys should be putting closer to 2916month into TSP.We max out our TSP, fully fund our Roth IRAs, add 2kmonth to our taxable brokerage account, and add 500mo to savings.We were DINKs for a while in your exact situation up until about 1 year ago. Now were way better off than all of our friends and most of our bosses. Just dont buy new 70k cars every 2 years and in 7-8 years when you decide to have a kid you wont worry about things like the cost of diapers and cribs. 