 Once you have your emergency fund in place and once you're on track with saving for any short-term savings goals like buying a house or replacing a car, then I think the next thing for you, assuming you're doing the giving the Lord's leading you to, is to start making a systematic contribution to the Roth IRA. Even if it's just $100 a month, $1,200 a year, I think that's far better of a solution than an IUL policy.