<prompt> Human: So, when I graduated from high school and got my first job, my parents convinced me to put all of my savings into one of Primericas investment products. They really sold me with the fact that if I saved with them at a young age, I would have a million dollars saved in 40-50 years. With three people convincing me, my parents and my parents friend, and also being a complete novice, I agreed with everything and started sending them 100-200 a month. Four years later, I opened a savings account with Chase since I started to read how its best to have your savings in a bank account and to have some savings in the stock market. I have been feeling extremely uneasy about the fact that I have most of my money saved with Primerica and want to take all of my money back and close the account. My first thing to do on Monday is to call Primerica to get my savings back. I have searched Primerica a lot the past few days and many have said how sketchyunreliable it is. I feel very stupid since I did not do any research and just trusted my parents financial advice since I do not know anything about finances.My questions are:1. How screwed up am I over the decision that I made? Is it possible that I have lost money?2. Is Primerica a reliable company? Is closing an account a hard process?3. I am still a college student and newlywed so limited funds, is having a savings account in banks such as Chase the best option for me? I am not sure if I am overreacting or not. Thank you in advance.Edit: Formatting  <response>: Primerica is bad and youre reading things about them that are negative because they use pyramid schemes MLM to recruit people to do their dirty work. Investing with them isnt as bad as working for them within that scheme because your money is still likely in the market hopefully making decent returns. Do you know what its invested in? Which mutual funds? Hopefully its not just sitting in a money market. OP; the sum of your cash has likely grown about 60 total over 4 years which is a nice overall return. Primerica has high fees though which is why I agree with pulling the money out and storing it elsewhere. Store approximately 6 months emergency fund in a savings account I wouldnt do Chase either; their interest rates are too low. Store it with Ally, Capital One, Discover, or a local CU thats 1.75. My emergency fund makes me 200year free. After your emergency fund is taken care of put the remaining money into a roth IRA Assuming you have w2 earned income. There are many explanations on here how to do it and its very simple and similar to opening a bank account. Instead of putting the money into a savings account youll be putting it into VTSAX if you choose Vangaurd brokerage or a target date fund. Most people here recommend investing with fidelity, schuab, or Vangaurd. Let me know if you have any questions. 