re: IUL Vs Roth IRA

quote:

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Yea I have a 401k already. I guess it sounded great Bc even in a down year I wouldn't lose money as opposed to a Roth or 401

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For every 1 down year, you have 4-5 better years (and possibly more).

You are still young so you should be cheering for a market crash. That way you can be contributing to your Roth and 401 at a lower price.