As the title states I am interested in hearing opinions on what people on here think is my best option for salary compensation to allow for long term wealth and RE investing. I currently work a J.O.B. that i enjoy where I have the choice to be paid through an Indexed Universal Life Insurance Policy or just a standard paycheck. The job offers no IRA or 401k options but I can place money into a Roth IRA or a Roth 503B if I choose. By participating in the IUL I am able to reduce my taxable income while taking a loan against the cash value. I was told I can withdraw up to 80% of the cash value without worry of defaulting on the policy and undergoing a taxable event. My work pays all the premiums for the policy so I don't pay the costs like individuals would have to if they chose to do an IUL. I am also eligible for a state pension but the money paid out eventually in this pension would not include the money placed in the IUL. So my question is what would people on here do? Would you elect to put a large portion of pay into this IUL which will hopefully build cash value and I could loan against to invest in RE or would you elect not to participate and opt for higher taxes out of your paycheck but have a higher state pension amount in the end which could mean less money for RE investments? My tendency is to utilize the IUL to help build cash value while investing in RE since my company is the one paying the premiums while I'm working. Is this a risky or a smart strategy? What am I missing? I have some friends who said stay away from IUL but I feel this situation may be different since the company pays the premiums? Just don't want to end up getting screwed in the future because I was naive to something from the start and felt this community would be best to help advise me. Thanks in advance for any insight/advice.