Cannot bang this drum enough; if you're not already rich you should have term life and *probably* private long-term disability.https://twitter.com/__shale__/status/858914592331714561 …
That's what I did. I pay in for ten years and it then converts to savings + interest, but the insurance last next 30 years.
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For the extra you pay, would it be better as an etf? I've understood they're worse than normal investment if evaluated that way.
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They are, there's margin to the provider, and you decide if it's worth the convenience of two-things-in-one.
End of conversation
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