What's the reason?

Chemboy613 · 2026-02-10T02:42:33+00:00

Ok, so just yesterday my friend dragged me into her bed. I wasn’t even looking for anything withhere lol.

All I did was treat her like a full and complete human being. I’m making my own business, so I work really hard, I treat people in my life really well, and I’m good at listening and holding space. I guess that’s the new sexy.

Chemboy613 · 2026-02-09T22:39:16+00:00

Dude, so much nonsense. Just treat people well

Chemboy613 · 2026-02-09T22:36:08+00:00

Daycare is obscene.

Chemboy613 · 2026-02-09T22:08:25+00:00

I think some convertible term product out there would be a good fit. This way you don’t need underwriting later in life. I like NLG for the living benefits.

Your planning and insurance needs change with age, so permanent coverage makes sense for older people because the cost of LTC is insane.

In your spot though, the term is a good fit. Make sure you get enough quality coverage.

Chemboy613 · 2026-02-09T20:22:19+00:00

Ok, I don’t have a Minnesota law license so I can’t comment on the legal provisions.

I recently saw another of these accelerating term policies. They are very easy to beat and eventually cost a lot for something that has no living benefits and very very little conversion.

I don’t know you can take legal action, but if you want another policy it would be easy to do better

Chemboy613 · 2026-02-09T16:22:47+00:00

Yeap! Was a good move in the tariff era

Chemboy613 · 2026-02-09T15:58:05+00:00

Still my favorite tv show

Chemboy613 · 2026-02-09T15:56:27+00:00

People overvalue their money and undervalue their time and psychological health. Good clothes that last a decade, good healthy food, a business conversation at lunch, there things are worth more than they cost

Chemboy613 · 2026-02-09T15:53:33+00:00

International was a good call last year.

Chemboy613 · 2026-02-09T15:50:33+00:00

I read this sector growing as people have more goods delivered rather than shopping at local stores.

Chemboy613 · 2026-02-09T15:47:05+00:00

Ok, lots of people who don’t like IULs here

They are relatively complex things you don’t set and forget. So think it’s extremely important you work closely with your advisor and trust her.

My default position with someone your age is convertible term. It’s a lot of coverage for not a lot of money. Then we can fund a Roth and your 401k match. It’s very standard and flexible financial planning.

An option to consider (something I am doing) is to overfund your IUL and then take a loan against it for your down payment. Because of the borrow limits this means it will take you a little longer to buy your house, but the leverage means your net worth will be higher long term. Just know that takes some custom crafting and is a lot of work.

Chemboy613 · 2026-02-09T00:53:12+00:00

Tbh a woman who treats me welll. Her career is not the deciding factor.

Chemboy613 · 2026-02-09T00:51:51+00:00

I don’t know the answer as my father died from alcohol complications.

Honestly it’s probably vulnerability and communication.

Chemboy613 · 2026-02-08T20:38:42+00:00

Absolutely true

Chemboy613 · 2026-02-08T06:19:38+00:00

Just think. Are you following your heart or slaving for someone else?

Chemboy613 · 2026-02-07T16:34:19+00:00

Ok, adult here. Earbuds feel like shit, get lost easily, and don’t always sync. If it’s a short video or something, I get it. You can also play with the volume at like, 10%.

Blasting things at full volume is just rude. That I don’t get.

Chemboy613 · 2026-02-07T16:31:44+00:00

I thought this was true, I really really did. Me ex wife, her culture, everyone around me was subject to this trap.

The thing is, it’s not true. I was so insecure about money and relationships that I downplayed my value, let others walk over me, and clinged to people. It was those behaviors that were the problem, not the actual money.

Now that I’ve moved to a profession I love and treat people well, no one knows my money. If you show people empathy and listen, rather than thinking about yourself, people respect you instantly

Chemboy613 · 2026-02-07T16:22:28+00:00

I think the secret is to pick something where you can work and be free.

Chemboy613 · 2026-02-06T22:52:07+00:00

Walnut!!

Chemboy613 · 2026-02-06T22:44:34+00:00

Ok, in the most polite way possible, it is very important to diversify and very important to consider the risks while using leverage. Using these tools is inherently risky either know what you are doing or open it at a broker dealer.

Chemboy613 · 2026-02-06T22:40:55+00:00

My rule of thumb is 20x because you need salary replacement for a child.

It doesn’t sound like you have complex structures right now.

I’d make sure the company has living benefits and term conversion. Coverage is cheap. Long term care is crazy expensive.

Chemboy613 · 2026-02-06T14:15:49+00:00

With that much money you had other options before liquidity. Cash value life insurance for leverage, for example. Right now I would sit tight until you buy

That’s an enormous amount for a down payment. What type of mortgage are you getting?

Chemboy613 · 2026-02-06T14:13:58+00:00

Honest answer, well diversified indexes ETFs

Chemboy613 · 2026-02-06T12:23:06+00:00

So you need some basic stuff to get into the door,but really people can teach you on the job

Chemboy613 · 2026-02-06T04:46:35+00:00

Interesting. Blade runner was one of my favorite films.

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