 you know sub use it to supplement retirement whatever it may be but if you're earning more in dividends and you're getting charged interest when you access the funds through say a line of credit or a policy loan you actually get to keep the difference and even if it's just a one percent difference what if you were able to earn one percent two three percent each and every year on money you spend because again the money's in the policy earning dividends you borrow against it through another entity like a bank