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I had a $30,000 IRA rollover from my wife's last job and we put it in a 3% CD at the bank for a year, because we didn't know what to do. The only company that came to our home was Primerica. They taught us about the rule of 72 and the benefits of term insurance. The rep. then put our CD into VK Emerging Growth fund and in about 5 years, it's now well over $100,000 in value. I was also recruited by Primerica to work for them and worked about 3 years part time, averaging about $3000 per year. I later quit, but it wasn't because of them, it was that I was scared to go on full time commission-only work. A lot of people just aren't cut out to do that type of work. Only 1 in 10 ever really make it full time. That's why they recruit so many reps. They know most will not continue on. The ones that do, make a very nice income and will become financially independent in about 5-10 years. I am very thankful that Primerica financially educated me, even though I didn't continue working with them. I've put in to practice their philosophy and now have accumulated about $500,000 in mutual fund value, and I'm only 45 years old. I should be able to retire in about 10 years with close to a 6 figured fund portfolio. Who knows, I might even start back with them to pick up some part time income when I go into semi-retirement. Thanks Primerica!