<prompt> Human: Im a 20 uni student, and earlier this year my mom advised me to speak with her financial adviser at Primerica. The meeting with the fa went well, she gave me talks about investing young, retirement investing so I can retire early, just bunch of good stuff and that I really just need to invest money each month and she will do the rest and make the profit for me basically. I invested 1k into a Roth IRA and 1k into a stock bundle. I work a part time job and have saved up an additional 1k that I was planning on splitting into the Roth and more stocks with Primerica, however Im now hearing about ppl talking about how untrustworthy Primerica is. I am now very skeptical but at the same time I dont exactly understand whats so bad. Perhaps its too good to be true? idk. Any insight would be wonderful.Assistant: Not a scam as in losing all of your money, but still they charge too much for their service. So its more like paying 2-5 times the actual price on something for no good reason at all. Human: wow really...appreciate that, will look into perhaps transferring to vanguard or fidelity as those have popped up more than once and with positive reviews  <response>: And Schwab. Schwab is probably the cheapest right now, but the difference between the three are negligible. 