<prompt> Human: Currently 27 contributing 15 of my income into the Militarys Roth 401k with 5 I think marching. And then about 500 a month into whole life insurance through northwestern mutual. Owe about 440k on a house worth about 515k. 15k student debt, no other debt, and a baby on the way. About 17k in savings for while wife is out of work after birth in 5 months. I really would like to pay someone for real advice but it seems this is the only place to get unbiased, real, honest advice! My financial planner at Northwestern swears we are set for ages of his whole life alone, and the Roth 401k is just for extra luxury. Im not so sure. Throwaway bc people suck sometimes. Edit: Wife is a teacher and I plan to get out of the Military in two years to pursue a small business we currently run on the side.  <response>: Youre getting robbed with the whole life policy. There is no need for you to do anything but a term policy. Find out how you can cash out today. Northwestern Mutual is predatory. I used them and my advisor spent the whole time trying to sell me whole life. I was fine avoiding this and my wife and I bought 1.5 million each of term for around 90month. The last straw was when my advisor went around me to get my wife to roll over her old 401k into a front loaded annuity. Theyre out for themselves and their commission. Run, dont walk away. Max your IRAs, push extra into the 401k, and fund it with low expense ratio index funds. 