Adam

Now, in that, I actually gave myself a cushion, I think, because I didn't account for the growth. And I thought, well, that'll give me that cushion if they do more than just the average cost, because obviously these are going into growth investments. But I think the ones that are currently in, at least for my oldest two, are getting about six and a half percent right now.

They're fairly conservative.

They're fairly conservative.

They're fairly conservative.

I started life insurance 13 years ago when the twins were born. And originally I had a policy with a company, two $1 million policies, one that expired at 55 and one that expired at 65. Each year I have open enrollment and through my job, I started reconsidering the supplemental life insurance that they offer.

I started life insurance 13 years ago when the twins were born. And originally I had a policy with a company, two $1 million policies, one that expired at 55 and one that expired at 65. Each year I have open enrollment and through my job, I started reconsidering the supplemental life insurance that they offer.

I started life insurance 13 years ago when the twins were born. And originally I had a policy with a company, two $1 million policies, one that expired at 55 and one that expired at 65. Each year I have open enrollment and through my job, I started reconsidering the supplemental life insurance that they offer.

And it looks like I might be able to get a slightly better deal, although it may be a bit of a wash. But if I switched over to their coverage, and so I started kind of crunching the numbers a little bit and see if it made sense. But then I also started wondering to myself, well, originally I had this first policy expiring at 55. But once I reach enough wealth that essentially has that amount,

And it looks like I might be able to get a slightly better deal, although it may be a bit of a wash. But if I switched over to their coverage, and so I started kind of crunching the numbers a little bit and see if it made sense. But then I also started wondering to myself, well, originally I had this first policy expiring at 55. But once I reach enough wealth that essentially has that amount,

And it looks like I might be able to get a slightly better deal, although it may be a bit of a wash. But if I switched over to their coverage, and so I started kind of crunching the numbers a little bit and see if it made sense. But then I also started wondering to myself, well, originally I had this first policy expiring at 55. But once I reach enough wealth that essentially has that amount,

Factoring into account who my beneficiaries are, including my wife and then the three kids, instead of waiting to 55, do I just wait till I have enough that that would basically cover and feel like it would cover them for college and all the things to get them through kind of their early adult life? So, right. Those are the things I was considering.

Factoring into account who my beneficiaries are, including my wife and then the three kids, instead of waiting to 55, do I just wait till I have enough that that would basically cover and feel like it would cover them for college and all the things to get them through kind of their early adult life? So, right. Those are the things I was considering.

Factoring into account who my beneficiaries are, including my wife and then the three kids, instead of waiting to 55, do I just wait till I have enough that that would basically cover and feel like it would cover them for college and all the things to get them through kind of their early adult life? So, right. Those are the things I was considering.

One, do I switch over to the supplemental life insurance to work? But I run the risk of, if I switch jobs, losing it and knowing if another job has that available. And then two, hey, maybe before 55, I can actually drop this extra policy.

One, do I switch over to the supplemental life insurance to work? But I run the risk of, if I switch jobs, losing it and knowing if another job has that available. And then two, hey, maybe before 55, I can actually drop this extra policy.

One, do I switch over to the supplemental life insurance to work? But I run the risk of, if I switch jobs, losing it and knowing if another job has that available. And then two, hey, maybe before 55, I can actually drop this extra policy.

Gosh, I recalculated recently. I believe I am at, I guess I would just first tell you my own personal net worth, I guess would be at I think close to 1.5, maybe more like 1.3 to 1.5 million. Congrats. That's great. Awesome.

Gosh, I recalculated recently. I believe I am at, I guess I would just first tell you my own personal net worth, I guess would be at I think close to 1.5, maybe more like 1.3 to 1.5 million. Congrats. That's great. Awesome.

Gosh, I recalculated recently. I believe I am at, I guess I would just first tell you my own personal net worth, I guess would be at I think close to 1.5, maybe more like 1.3 to 1.5 million. Congrats. That's great. Awesome.

All right. I didn't know about that.