The author of freefincal shares their personal experience of combining investment and insurance and the mistakes they made. They emphasize the common advice of not mixing insurance with investment and how they fell prey to sales talks. The author provides a real-life example of a mistake they made and the learnings from it. They compare the outcome of investing in an endowment policy versus investing in mutual funds and highlight the drawbacks of the endowment policy. The author concludes that it is better to have adequate term and health coverage and invest separately for goals. The article also mentions the services provided by freefincal, such as publishing reader audits and offering advice on money management and investing.