u/Dudealias

I started with life insurance with them. From there, I have a coworker who recommended this agent to me.

I came into a good amount of money ($35k). In September 2025 I took about 25k and put it in an LWP investment account with them (+2.7% YTD). $2,500 into a VUL Accumulator account (biggest concern) and the rest to a ROTH IRA which now needs to be changed to a backdoor Roth???

I make monthly contributions to the VUL and Roth but I’m learning now that the fees are predatory.

Need some good ol reality checks here. I’ve never been financially savvy nor has my family so I’m new to this.

My sons (10yrs old) mom and I have a pretty split 50/50 schedule. I have M/T, she has W/T and we switch every Friday-Sunday.

Within the past year my son’s mom moved 45min from us, which is within the bounds of our court order (unfortunately). It’s super hard for us now since my wife and I have toddlers, so drop off and pickup on our days is done by my wife, his step mom.

He is going to school in his mom’s district 45min away and does sports there. He’s in baseball now and games are 2-3x a week during weekdays. I refuse to miss games, but I might have to now with the little ones so the entire load isn’t on my wife.

How are other dealing with a similar distance? I’m burnt out and really trying to balance everything knowing it’s just going to get harder.

Any advice or condolences appreciated from other parents in this situation!