I looked at Crypto, too risky. The stock market was always a bust for me. Money market is too low, so are CD’s. I took all of money and put it in my savings account, then I was earning practically zero. Then I found out about the Roth IUL. High rates of interest, survivor benefit, living benefits, PLUS tax-free income in retirement…for the rest of my life. I was sold. I recommend Roth IUL for anyone who is looking for a long term gain, with no risk. Thanks Roth IUL.