 There are some people who say, well, just cancel all that insurance and put that money into whole life. No, because that few dollars that that term insurance isn't going to make a whole difference and buy more death benefit in your whole life. Let's keep this. It's not hurting you. Let's keep it. Do you have to have a lot of money to start? No. I started with $400 a month, and I was 42 when I started.