compounding is what everyone wants. this one is from sonya. what type of life insurance should we purchase my husband is 37, i'm 42. also what is the safest way to save for college? our daughter is 5. this is a two-fer here. >> the best life insurance she and her husband should do at 37 and 42 is what most people should always do for life insurance because you're buying for protection to pay the mortgage, get the child through school. >> not investments. >> maintain the other spouse if a job is lost through death or whatever. term life insurance. it's the cheapest because insurance -- read my lips, everybody, is not an investment. insurance is protection. it never works as an investment. people get disappointed. the only ones it work for are the people selling it as investment policies. >> part b. coincidentally to us coming here