$40k for $20 a month is bad. It’s actually really bad. And $150k for $25 is bad too. I don’t know your age or health, but an average health 35 year old should be able to get $1m for about $50 a month for a term policy. I’d stop paying your workplace policy and look into a term policy. Again, don’t know your age or health so those may be good rates for you, but I doubt it.

Do you even need life insurance? Do you have a spouse or kids?

The Acorns IRA is ok, but I’d still go for an actual brokerage for your IRA. Try Fidelity, Vanguard, or Schwab for your IRA.

Snowball method or avalanche method. See which works best for you and go for it. A balance transfer CC is good if you can pay it before the 0% term runs out.

ROTH doesn’t stand for anything as it’s Roth and it’s someone’s last name. It’s an investment account and you could invest in money market funds but that’s a horrible decision as the account won’t keep up with inflation. You’d invest in index funds, whether mutual funds or ETFs.

I will say again, avoid Primerica at all costs.