The end of this life is death. At death, the most efficient assets to own (asset location: tax free) currently are life insurance and Roth accounts.

Why do people like to save for future income using life insurance?

Where do you go when you need to access money?

Ghosts (taxes, healthcare, and your own behavior) are chasing you around the screen.

There are fundamental “protections” that should occur within our financial plan before we ever start thinking about long-term savings and investments.

If family is your “why,” are you willing to do the hard work to “stack the odds in your favor” to spend as much quality time with your family as possible.