<prompt> Human: Told my advisor that I pay 1000 towards my car payment even though the minimum is 450. He told me if i have extra money per month that I should be putting it towards another policy instead of adding on to the minimum of my car payment. So he suggested I should buy a term life insurance plan even though I already have a whole life insurance plan that I purchased back in 2016. This the right move or is he just trying to sell me more? Information maybe needed: 23 years old, i have a Roth IRA and money invested in mutual funds along with my whole insurance plan. Can provide more info if needed, any advice is greatly appreciated Edit: This has been very eye opening, thank you for everyone who commented  <response>: Dump your whole life insurance. Im sure youre paying hundreds of dollars a month on it. And dump your financial advisor. He is a salesman selling you expensive shit you dont need. 