<prompt> Human: Wife and I make a combined 90k a year. Combined we save roughty 800-1200 a month. We just bought a house back in May before the interest rates jumped over a . Currently we have roughly 40k saved up in just savings accounts. Both of us have a Roth and a 401k, however I have not fully funded my Roth yet.Currently our finances are kept seperatly, its worked just fine this way as she saves a lot more than I do, mainly because I am trying to pay off my student loans. From a pure savings perspective we are looking at another way to keep our savings habits, but get more out of them vs a pure savings account, thus the whole life plan. What do you guys suggest, keep in mind we keep our finances seperated. She dosnt pay for my student loans but for mortgageutilities we split it 5050. Let me know if you need more information, I have the whole life plan at my house and can give numbers on how many years it would take to get 100 cash value of what you put in.EDIT: Forgot to mention we both have term plans in place, we really have a lot of the long-term options already in place. We are looking for more short to mid term investments that can still be fairly liquid in case we have a rash of things happen with our housecarmedical.Assistant: Why not buy term and fully fund your roth and 401k?Human: We both have term, sorry I should have explained that.I was actually planning on not taking this offer and it took far to long for the plan to give me back what I put in it, and instead fund my roth more. My 401k though is terrible, my company matches nothing so im putting in a base 3  <response>: Even with no match, the tax advantage is probably worth it, unless you have really terrible fund choices. Even with moderately bad choices, its going to be better than non tax advantaged. 