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Ray, I've been finding your calculations pretty interesting. I wonder if you would consider the S&P 500 bought inside a 401k with matching. If there is a 50% match on the first 6%, you could put $1200 in the 401k, get $600 in matching and still have $600 to put in an investment account. Now not only would you be saving the same amount in a retirement-based account, but you would have assets for those sudden changes in life that Dave is concerned about. The reason I'm asking is Dave has said the IUL will outperform even a 401k with matching.

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