I’m confused. That’s common sense. Obviously one pays off one’s house asap. One also is very careful about the mortgage one takes.

Next time I buy a house, it will be cash. But that’s just a thought at the moment.

I don’t think poor people have things like endowment policies.

Also, people don’t trust financial advisers because they work on a commission basis. It’s a conflict of interest.

That said, your advice to the lady was probably good. She probably didn’t have any money and lied in some respect to save face.