One day in January of 2014, my little brother, who is literally one of the smartest math nerds in the world, came to me and told me I was investing in the wrong places. I immediately dismissed him and went my merry way. After weeks of hounding me, I decided to let him explain to me why my IRA and real estate portfolio were not the best place to put my money but instead, a correctly designed cash value life insurance. Up to that point I had never even considered it as an option, much les...