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@jeshurun1111 No you may not.

@resjudicata And how do they actually correlate with long term returns? Answer: negatively. Especially when we're talking about market average multiples.

@resjudicata You're rejecting the idea that P/E ratios are correlated with long term returns?

@delling1000 When the average S&P PE ratio is near 30? Good luck with that.

@delling1000 Is that by investments in the stock market? I hope you aren't assuming 8+% average an annual returns when valuations are at historic highs.

@vickiegram 🙄

@vickiegram What are the long term returns that you should expect when the CAPE ratio is 34?

@kimhealth Yes that's true that's exactly how policy loans work. That arbitrage is not guaranteed though. But the main idea is that you borrow and your cash value grows uninterrupted.

@kimhealth That's not true. Your cash value remains and grows the same. The policy loan counts against the death benefit. Your cash value is the collateral for the loan.

@kimhealth Yes that's true that's exactly how policy loans work. That arbitrage is not guaranteed though. But the main idea is that you borrow and your cash value grows uninterrupted.

@vickiegram Congratulations. You can make good money during an historic bull run. What happens when we get another 2000 or 2008?

@resjudicata That was and still is my argument. The conventional advice is to have 3 months of expenses saved and put everything else into retirement accounts. I think you should do much more than 3 months. And having your emergency fund in a WL policy instead of a savings account makes way...

@vickiegram Quit addressing imagined motivations and deal with the objection as stated. Even 8% is fantasy. https://www.crews.bank/blog/sp-500-vs-average-investor

@resjudicata Maybe you could elaborate. What am I missing? Are you rejecting the idea that people regularly are making large purchases? Between cars, appliances, home repair, and child expenses, how do you propose that people pay for these things? Cash? Then you aren't making interest on that...

@delling1000 Get a full conversion rider at least. Unless you really think your investment account is going to be worth $1 million in 20 years.

@kim5398 I don't see why this can't be a post on reddit. People trash talk life insurance in posts all the time. There's no reason why I can't make my case. In fact no one (as far as I've seen) has addressed the argument. People compare life insurance to retirement accounts constantly and say...

@kim5398 How am I supposed to make the argument that I think that life insurance is better for most people than a retirement account without it being considered solicitation?

@ageofreason2014 You're wrong. https://en.m.wikipedia.org/wiki/Survivorship_bias

@texco We both agree that a savings account is worse I hope. So then the question is to compare to an individual investing account. You could withdraw the money. But then you're no longer earning interest. Or you can borrow. But margin rates are higher than a policy loan. And what if you have...

@ageofreason2014 It includes their growth before they were included in the S&P and pretends that they were always in the S&P. You can't backtrack performance of the S&P like this. Especially over decades.