which "Paycheck parking" all your money back into the policy to pay off the loan although most ppl only use it for big ticket items like cars or big vacations, education etc. this goes for WL or IULFor Maximum Cash Value your really not trying to use the policy as a "bank OR DEATH INSURANCE " per se but infact you design the policy to give you Maximum Cash Value to be withdrawn TAX FREE in retirement there are three fights going on in this financial product space 1 is the WL vs IUL debate (which is pointless they both have +'s and -'s ) really comes down to risk level.2 is Should you be using your WL / IUL policy as a bank (inf or BYOB or 7702 acct) or for Tax free income during your Retirement years.3 Which is MY argument ...Why can't you have BOTH WL IUL why cant I use my WL / IUL for inf banking and Tax free income in retirement ...the answer is YOU CAN!!!! 

It’s kind of like buying concert tickets.

I think that's because of fear, but more on that in a minute.Chris, when someone buys a lottery ticket for a dollar and wins $10,000,000 their ROI is 999,999,900% according to an ROI calculator I'm looking at (you'll have to forgive me for using a calculator, but I'm not a professional mathematician or whatever, so I'm using a tool to get the right answer).

They always have extras that are not covered attached to big ticket items.Here are the pros and consPros1.

It's a big ticket item that can bite you a few ways if you don't consider and budget for it correctly.

There is no golden ticket.

Save some more this way you can make a downpayment and do capital and general improvements to get the duplex move in ready and almost maintenance free with big ticket items. 

I already have a ticket 

If I found myself in LA and had enough cash, Id buy a plane ticket somewhere else😂

There may be some big ticket items that need upgrades in there that you can’t see until you open up the walls.