<prompt> Human: Hi all. Im looking for some investment advice and Im not sure where else to go to have my questions answered honestly. Heres the situation- Im in my late twenties. Financially, Im maxing out my Roth IRA every year, but I also have a 403b through work that I pay into every paycheck. Since Im maxing out the Roth account, my financial advisor has suggested that instead of increasing my contribution to the 403b, I convert my small term life insurance policy that I pay 15 a month for into a whole life policy at 100 a month. So my question is this- is he correct in suggesting I convert to whole life? Or is there another option for short-term investing that Im not aware of and hes not telling me? My significant other and I would like to purchase a house in the next 3-5 years. My financial advisors argument is that I can borrow from the whole life plan I would be paying into as opposed to increasing my contribution to my 403b which I cant touch for a few more decades. I know this sub is generally anti-whole life and I understand why, but I would really love some input for my particular situation. Thanks for any advice you can share.  <response>: He gets a bigger commission on the whole life policy. If hes suggesting you increase your insurance spending by that much and not giving you really good reasons why, hes probably got ulterior motives. 