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We've got a 20 year policy. I tell my wife that if she wants to cash out she'd better do it soon.
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Easy fix for that: just put an irresponsible amount of your household finances on the No.
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Now she's incentivized to keep that from happening.
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Another large position on "RubyGray is cleared of all wrongdoing in the demise of GrayRuby."
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I am already living in fear daily knowing my wife can cash in big on my life insurance. I am done for if she can also bet on my death. Haha