<prompt> Human: Backstory: Im a 24 year old guy making 42k pretax a year. Im a recent college graduate and have my first steady job. I have a full years salary saved up and no debts. I live frugally and have a budget set up that I religiously stick to. Ive now reached the point where I feel comfortable thinking about starting up an IRA or 401k but havent pulled the trigger. For the last few months, my dad has been encouraging me to meet with his long time Northwestern Mutual finance guy. My dad has a successful career working a well paying corporate job and has paid for my college tuition and helped support me until I landed my first job. He says he owes a lot of his financial situation to working with his guy. For the past 2 weeks, my dads Northwestern Mutual guy and his has called me 4 or 5 times asking to set up a meeting because my pop encouraged him to reach out to me. Ive yet to meet with him. Now, I understand that my dad is try to look out for me and has my best interest at heart, however, everything Ive read about NWM seems sketchy. As a 24 year old healthy dude, Im not so sure I need to be throwing down a ton of cash on life insurance policies.Can anyone lend me some advice?tl;dr - 24yo Male, Money to invest, no debt. Dad wants me to invest with his finance guy at Northwestern Mutual. Not sure if this is a smart financial move.  <response>: Out of respect for your dad I would meet with the NWM agent and see what he has to say. Do not sign anything and dont invest any money with him. You would be much better off just investing in a good index fund. You dont need life insurance unless you need to support someone after your death wife, children, parents, etc or you have some sort of medical condition that will make it hard to get insurance in the future. Dont buy insurance from a finance guy. Insurance is not an investment and should not be used to make you money. 