Wow! Finally you got it, you fool!
Are you a female Marcus? You sound like a little girl, are you still in high school?
I’ve been saying for so long that IULs are not issued for the sake of issuing an IUL, needs analysis need to be done, age, and health are factors to determine if they accept you or not.
Thus, when you wrote that stupid comment and your cohort laughed urging me to sell my home to buy an IUL I replied to you dummies challenging me to do so, to sell your homes to buy 401Ks. Why? Because I know 401ks are not bought nor you open one for the sake of opening one! Ooh, I forgot, limits on contributions, market risks, taxes, SS being compromised when retirement are factors where IULs are much better than 401Ks. Period!
The only reason we help companies to open 401Ks if for the bosses benefit. We know about the vetting process may benefit the employer if the employee quits within certain period of time. Then, we help those needing cash immediately to use the IUL, or an immediate annuity if that’s the case to slowly pay taxes due and start contributing to an IUL. Why am I telling you this, you know that, right?
Again, I don’t debate anything about ROIs and whatnot about real estate, I am an ignorant on that, landlords know their turf, not me, I deal with conservative approach to retirement, so, my word of advise to you is to never, ever, challenge anybody dealing, working, or being not experts but knowledgeable a bit, or a lot, on a product you are so ignorant about.
Then, learn to deliver a God damn spread sheet!