This comparison is completely off — and here’s why. A 401(k) and an IUL are two totally different financial vehicles, so running identical projections for both makes the math wildly inaccurate. First, a 401(k) uses pre-tax contributions, while an IUL uses after-tax dollars. That means you must subtract taxes before comparing contribution amounts — otherwise the numbers will never line up. Second, you can’t assume the exact same rate of return for both. A 401(k) is invested directly in the market with no floor. An IUL follows the market with caps and floors, which changes the entire growth pattern. Treating them as if they earn the same interest rate is simply not realistic. If you want an honest, detailed breakdown of how an IUL actually works — so you can decide whether it belongs in your financial plan — comment "IUL" and I’ll send you one of my trainings. Follow for more financial breakdowns. #iul #lifeinsurance #401k #financialfreedom #invest