I share with everyone yesterday my experience from why I decide to replace my more expensive term policy with a cheaper one. A lesson that wasn’t so obvious was what initiated the change. Notice that I was paying my premium for 10 years when the bill came annually. I reflected during this last session whether I am doing the right thing. Think about this. If you are regularly buying into a low cost exchange traded fund such as the STI ETF, you will need to login to your brokerage account and key in a buy transaction monthly, quarterly or semi annually. This seems OK if the market is doing well or doing nothing. When the market is down, every time you want to systematically buy, you go through that round of reflection or rationalization (depending on what you call it) of whether you are doing the right thing. You start ......