re: Over Funding Life Insurance vs. Roth IRA

If you are responding to me I did not "advise" anyone to buy/not buy insurance nor invest/not invest in a Roth. I have yet to see him state he actually needs insurance, too, moreso he wants better investment performance. My point is people should really think things through and make a sound financial decision on what otherwise could be a costly short or long term mistake.

Can't say I am a big proponent of using Roths for savings accounts for emergencies nor pre-retirement living expenses, though.