never read enough this post :-)

My questions is what's the purpose to add a 100k universal life or whole life? Do you plan to add more on the investing part later years when you have more income to consider in tax planning? that makes sense to keep this investment option open through a small whole life policy.  Whole life /universal is so expensive like 5 times more.

can this pay kids tuition tax free? can you use roth IRA to pay off kids' college tuition tax-free?

 

V.