re: My whole life snapshot...wondering if this is the best use of my money

quote:

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Is your brother-in-law an insurance salesman?

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Harsh, comrade.

OP, you need a Financial Planner, ask amongst folks you respect and trust in your local area who they use. It's a leap of faith to trust a stranger with your fiscal picture but most of us are not equipped to navigate what we should do or avoid.

Ditto on getting out of the rental property too, it's dead money if all it's doing is carrying its own weight.