reduce debt before investing. during this time, go to the library to borrow some books to read. if interest in to stocks/etf/real estate etc, find related books. get some basic knowledge first to prevent being scammed. too many people want to take your money out there.

personally, i dont use whole life plan as savings. insurance is not saving, use it as insurance. you can save your money in other forms.

If $100 monthly for the next 19 years doesnt affect your life, then keep it. Theres some sort of saving in it afterall. Take it as looooooooong term locked up savings.

100$ per month is a good amount to start. use extra cashflow to put up savings for reserves/emergency fund and capital for investment. meanwhile use this time to learn and explore suitable investment techniques

communicate this before it rolls into a bigger issue in future

if you see the market drop and you are worried about it, most likely you are not suitable in picking individual stocks. Stock price drops = cheaper, if you fear, maybe you should consider etf instead. If you still fear that the etf price drop, maybe you shouldnt invest in stocks and etfs at all.

if the reasons you bought them are still intact, then you should keep them. paperloss of 30% due to market downturn is not a "right" reason to cut loss.

i had a higher paying job when i was out of uni, about 100% higher worked long hours, always fall sick. spent most of my money at the doctors. i did like my job and worked hard. but now my pay is much lower, it is more fulfilling, more autonomy, freedom to explore ideas and to execute and i love it. maybe you have to go through both to really know which one is more suitable for you.

normally i am able to pay in full, but i choose to pay it via installment using credit card. 1. earn cashback/rewards/miles etc 2. earn some small of interest with the cash kept in bank account

i cancelled my ilp about 1+ month ago. my parent bought it for me when i was a teenagaer. it has been more than 10 years and it didnt breakeven. if you bought it for insurance, maybe you can use the money for a better plan. if you wanted it for investment, its better that you really invest properly.