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In any insurance investment plan, a portion of the proceeds pays the insurance premium. The only benefit is that you're not paying the premium out of your pocket, just out of earnings. But you still pay a premium.
If you're saving for retirement, a 401 is the only way to go if your company matches anything. You're an idot not to take the match. IRAs are go for rolling over when you leave a company or if you don't have access to a 401.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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