<<My dad says that my advisor and her company will make a lot of commission with my money if I go with VUL.>>Your Dad is right. Take a deep breath, count to 10, and dump the advisor. Sock your money away into an index fund like the Vanguard Index 500 or the Vanguard Tax-Managed Growth and Income. If you're not buying and selling, these are tax efficient. Spend as long as you like educating yourself (starting with the Retire Early Home Page thread and the Index thread here at the Fool; check out the Vanguard web site). No one will take care of your money like you will, but others will want to get themselves a piece of it.
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