in theory suzy orman and bill riely think its great and love convincing people of it. But it has never worked. Find me someone who lives off of thier 401(k)? or thier "mutual fund".

There is a book out there called "you got screwed". Its in the investmetn section in Barnes and Noble. You should read it about your mutual funds.

Get someone else to buy your life insurance for you and you will by WL. Don't throw your money away in Term.... only 1% pay out.