<prompt> Human: A friend of mine has taken a position with Northwestern Mutual. Theyre putting him through the paces of pumping all his friends and family for whole life policies and Id like to be able to respond to his sales pitch with reasoned arguments rooted in data -- problem is, I dont know much about whole life, how its pitched as a wealth-building vehicle, and how I can respond to the inevitable 7.0 pitch that I know is coming. Ive also been approached by other mutual friends and been asked to weigh in on the merits of employing his services. Can anyone in PF explain to me, in a quantitative way, why whole life is a lousy bet for someone in their mid-20s and what better the options are and why!Thanks in advance.Edit: Thanks, usupes1 and uJahlapenoez  <response>: If I buy the first round at the bar tonight, will you STFU? 