Not Your Average Financial Podcast™

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Traditional financial planning is no longer working, and in the new-normal economy, your hosts Mark Willis and Holly Bach invite you to join us, as we engage the new and improved steps for establishing financial sanity. Be curious. Be stable. Be sane. This is Not Your Average Financial Podcast. More…

Not Your Average Financial Podcast™


    • May 30, 2025 LATEST EPISODE
    • weekly NEW EPISODES
    • 30m AVG DURATION
    • 397 EPISODES

    4.7 from 119 ratings Listeners of Not Your Average Financial Podcast™ that love the show mention: financial future, life insurance, bank, financial podcast, best financial, great financial, policies, whole life, finances, policy, hidden, differently, strategy, term, educate, investing, average, money, begin, highlights.


    Ivy Insights

    The Not Your Average Financial Podcast is a refreshing and informative podcast that offers a unique approach to financial planning in our evolving economy. Hosted by Mark and Holly, this show provides simple explanations and valid examples for any financial situation. The content is top-notch and delivered with passion and genuine care for the listeners. It is evident that Mark and Holly are experts in their field and are dedicated to helping others achieve financial success.

    One of the best aspects of this podcast is the quality of the content. Mark brings on guests with real-life experience and expertise in various areas of finance. This allows listeners to gain valuable insights and learn from different perspectives. The show notes also provide detailed worksheets from each episode, making it easy to understand and apply the concepts discussed.

    The hosts do an excellent job of explaining complex banking and insurance concepts in a way that anyone can understand. They break down these topics into digestible pieces, ensuring that listeners can easily grasp the information being presented. Additionally, they provide actionable advice that can be implemented immediately to improve one's financial situation.

    A downside of this podcast may be that it focuses primarily on the Bank on Yourself strategy, which may not appeal to everyone. While this strategy has its merits, some listeners may prefer a more diversified approach to financial planning. However, even if Bank on Yourself is not an ideal fit for every individual, there are still valuable insights to be gained from listening to this podcast.

    In conclusion, The Not Your Average Financial Podcast is a must-listen for individuals seeking sound financial advice and strategies for securing their future. Mark and Holly's expertise, passion, and genuine desire to help others shine through in every episode. Whether you're just starting your financial journey or looking for ways to optimize your current plan, this podcast has something valuable to offer. Don't miss out on this hidden gem!



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    Latest episodes from Not Your Average Financial Podcast™

    Episode 404: Escape the Grind! Jason Duncan’s Exiter Club

    Play Episode Listen Later May 30, 2025 18:16


    In this episode, we ask: Are you in the daily grind? Do you need a better strategy? Who is Jason Duncan? Would you like to listen to Episode 289? Who needs their time back? Who needs their business on track for maximum valuation? What's Jason's story? What about focus: following one course until successful? What epiphany...

    Episode 403: Backtesting IULs and Stocks. When Past Performance Doesn't Even Predict Past Performance!

    Play Episode Listen Later May 23, 2025 14:14


    In this episode, we ask: What was born 129 years ago today? What has Mark learned? Have you ever seen the phrase, past performance is no guarantee of future results? What about marketing? What about backtesting? What is an index? How is the Dow Jones constructed? How are the stocks in the S&P weighted? What...

    Episode 402: Fee Comparisons of Bank On Yourself® Whole Life vs. Investments with Evan Greathouse

    Play Episode Listen Later May 16, 2025 18:44


    In this episode, we ask: How might you finance your future without the fees? How might you grow and accumulate wealth? How about the transformative reality of whole life insurance? Who is Evan Greathouse? How about comparing the costs? How about a case study? Would you like to hear Episode 143? What about irregular or...

    Episode 401: More Proof Direct Recognition Loans are Terrible for Bank On Yourself®

    Play Episode Listen Later May 9, 2025 28:20


    In this episode, we ask: Is the policy correctly structured? How about a case study? Does the policy with the most cash value always win? What is the difference between a direct recognition and a non-direct recognition whole life insurance policy loan? What did the footnotes say? What are some possible outcomes? What happened to...

    Episode 400: How to Never Run Out of Money – Even if You Live to 120!

    Play Episode Listen Later May 2, 2025 15:22


    In this episode, we ask: Would you like to join us live for the Bank on Yourself® Rescue Your Retirement Bootcamp on May 6th, 2025, 1PM-5PM ET? Will you run out of money if you live to 120? What are we going to do make sure your money doesn't run out before you do? What...

    Episode 399: How to Pay for Everything in Life

    Play Episode Listen Later Apr 25, 2025 15:54


    In this episode, we ask: Would you like to join us live for the Bank on Yourself® Rescue Your Retirement Bootcamp on May 6th, 2025, 1PM-5PM ET? What deals are you making? What does it take to start a bank? Where do banks keep their capital? What is Tier 1 capital? Who needs a liquid,...

    Episode 398: The Golden Parachute

    Play Episode Listen Later Apr 18, 2025 25:33


    In this episode, we ask: Are you interested in 3 ways to leverage cash value life insurance for a secure business exit? Who has an exit plan? What are the benefits of a golden parachute? What happened in the '80s? What lowers the risks of takeovers? What are some example scenarios? Do you have a...

    Episode 397: Can You Bank On Yourself® with over 200 Rental Properties? with Bryan Powers and Ben Berry

    Play Episode Listen Later Apr 11, 2025 37:39


    In this episode, we ask: What about getting started? Who is Bryan Powers? Who is Ben Berry? What is Bryan's story? What do they love about Bank on Yourself® type whole life insurance policies? How have they used their policies so far? What are some problems with borrowing money from the SBA? Is it compounding?...

    Episode 396: Double Bonus Strategy: Enhancing Employee Benefits With 162(a) Plans

    Play Episode Listen Later Apr 4, 2025 32:43


    In this episode, we ask: Would you like to meet with Mark? What are the challenges for small businesses? What's wrong with a small business's 401(k) offering? What is the problem with fees? What is the problem with liquidity? What are the penalties? What about the severe loss of control? What about forced participation? Why,...

    Episode 395: Buy-Sell Agreements: Your Exit Strategy Blueprint

    Play Episode Listen Later Mar 28, 2025 24:40


    In this episode, we ask: Have you subscribed on YouTube and/or your favorite audio platform? Could your business survive without you? Why do most small businesses fail to survive after a generation? Are you thinking long range with your business? When was Hoshi Ryokan in Japan founded? What is a buy-sell agreement? What are the...

    Episode 394: What Counts as Financially Successful Today?

    Play Episode Listen Later Mar 21, 2025 21:30


    In this episode, we ask: Would you like to unlock the magic and Request a Meeting? Where did Mark travel as a kid? Do we live in the future? What about the stagecraft? What does financial success look like for Americans? Would you like to view the Houston Chronicle article? How much would it take to feel financially...

    Episode 393: [Client Spotlight] Financial Independence in the W-2 with Jon Thiele

    Play Episode Listen Later Mar 14, 2025 36:56


    In this episode, we ask: Should you quit your day job? What does it take to truly be a leader? How do you unhook yourself from “default” mode? Who is Jon Thiele? What's Jon's daily morning ritual? What's extremely important? How did Jon's career evolve? How did Jon find Mark? What happens when “the math...

    Episode 392: Dave Ramsey is Not Your Doctor – The Poison Pill of Buy Term and Invest the Rest

    Play Episode Listen Later Mar 7, 2025 26:02


    In this episode, we ask: How's that working out for you? Who is A.L. Williams? Would you better off investing with some term on the side? Would you better off with a Bank on Yourself® type whole life insurance policy? What about a twin study? What happens after 29 years? What are the takeaways? Would...

    Episode 391: Bank On Yourself® In Action: Real Life Business Case Studies

    Play Episode Listen Later Feb 28, 2025 30:21


    In this episode, we ask: Would you like to listen to Episode 388? What are the challenges faced by most entrepreneurs? How is this playing itself out in the real world? How about guarantees? How about liquidity? How about more success? What challenges would this solve? How can business owners level up their cash flow?...

    Episode 390: [Client Spotlight] From Island Paradise to Master of Banking with Harry Looknanan Jr.

    Play Episode Listen Later Feb 21, 2025 33:05


    In this episode, we ask: What would life be like when you've reached financial freedom? Who is Harry Looknanan Jr.? Who knows how to manage in crisis? What happened in 2007? How did Harry meet Mark? What about peace of mind? What has Harry been able to do since having a Bank on Yourself® financial...

    Episode 389: Why Your Spouse Absolutely Needs To Be Here

    Play Episode Listen Later Feb 14, 2025 21:19


    In this episode, we ask: What's the history? What's the opportunity? What am I talking about? What are the implications of your financial plan when you try to go it alone? What about economies of scale? What about the tax advantages of joint filing? What are the other benefits? What about net worth? What did...

    Episode 388: Bank on Yourself® for Business Owners, An Introduction

    Play Episode Listen Later Feb 7, 2025 20:22


    In this episode, we ask: Would you like to learn more about capital for running a business? How does the Bank on Yourself® concept advantage business owners? What happens when entrepreneurs blow through their savings and money? What's the funny thing about other people's money? How many businesses have borrowed? How much debt do businesses...

    Episode 387: Become a Financial Tree that Brings Wealth for Generations with Evan Greathouse

    Play Episode Listen Later Jan 31, 2025 35:48


    In this episode, we ask: Have you had a near death experience? What about the beauty and complexity of Mother Nature? Who is Evan Greathouse? What was Evan's “aha” moment like? What happens while Evan was completing yard work? What drew Evan to becoming a Bank on Yourself® Professional? How has Evan been able to...

    Episode 386: [Client Spotlight] Navigating Life’s Twists: Steven Lyon’s Wealth-Building Journey

    Play Episode Listen Later Jan 24, 2025 41:50


    In this episode, we ask: Is life like a road trip? Who is Steven Lyons? How did Steven and his wife meet? What did Steven learn from his dad's entrepreneurship? What was the fork in the road? What is Steven's work? What about pattern recognition? What's Steven's learning journey with money? What happened next? What's...

    Episode 385: How Does Dave Ramsey Not Get Sued for this?

    Play Episode Listen Later Jan 17, 2025 35:27


    In this episode, we ask: How compliant was Mark toward Dave Ramsey's rules? Have you heard Episode 323? What about Pamela Yellen's BankonYourself.com website update? What advice did Dave give Thomas? Why do so many viewers confuse Dave Ramsey for a financial advisor? Did Dave do a thorough needs analysis on Thomas's situation? Is Dave's claim that...

    Episode 384: Leverage Your Life Insurance Policy with Sarry Ibrahim

    Play Episode Listen Later Jan 10, 2025 20:37


    In this episode, we ask: Have you faced threats? How might you bring greater benefit to you and your family? Have you heard Sarry Ibrahim's podcast, Thinking Like a Bank, Episode 123? What did Sarry's client ask? What is the story with A.L. Williams? Has that worked? Would it work now? What about the whole...

    Episode 383: The 9 Steps to Secure Your Family’s Future

    Play Episode Listen Later Jan 3, 2025 23:32


    In this episode, we ask: Are you ready? What are the risks you take, just to live your life? What am I interested in now? How do you reach your financial milestones without taking unnecessary risks? What happens when risk goes up? What about outcomes? Who is determined to fail? What about speculating? Who is...

    Episode 382: Lapsed! The Universal Life Insurance Whistleblower with Elan Moas, Part 2

    Play Episode Listen Later Dec 27, 2024 33:59


    In this episode, we ask: What does it mean to lapse a policy? Were you able to hear Part 1 with Elan Moas? How many universal life insurance policies will pay out? What about Bank on Yourself-type Whole Life Insurance Policies? What are the problems with universal life insurance policies (that many purchased in the...

    Episode 381: Exposed! Lapsed Universal Life Policies with Elan Moas, Part 1

    Play Episode Listen Later Dec 20, 2024


    In this episode, we ask: What do you think of when you think of tried and true products? What if I told you of a product that failed 90% of the time? What about life insurance? Where is the scandal? Where is the front page news? Who is Elan Moas? What is Elan's experience? What...

    Episode 380:[Client Spotlight] Mastering Real Estate and Bank On Yourself® with Brian Claus

    Play Episode Listen Later Dec 13, 2024 37:42


    In this episode, we ask: How about balancing family life, ministry and real estate? Who is Brian Claus? Have you heard about UnBound Now? What's Brian's earliest memory with money? What did Brian's Dad do to incentivize saving? What's Brian's story? What happened in 2018? What are the benefits of running real estate through policies...

    Episode 379: From Coma to Financial Independence with Nick Prefontaine

    Play Episode Listen Later Dec 6, 2024 22:21


    In this episode, we ask: Have you ever faced a challenge so big, it just seemed insurmountable? Have you turned a setback into a comeback? Who is Nick Prefontaine? What is the S.T.E.P. system? What happened to Nick on the mountain? What happened during recovery? What has Nick done with his policy? What about upgrading...

    Episode 378: Inflation: Stocks vs. Bank on Yourself®

    Play Episode Listen Later Nov 29, 2024 27:17


    In this episode, we ask: Are you shocked about how everything keeps going up in price? Are you surprised about how so many things are shrinking? Who has debt on the balance sheet? What about companies? What about customers? What about the stock prices? What about interest rates? What happens in a recession? What vaporizes...

    Episode 377: Real World Tips for Selling Your Business with David C. Barnett

    Play Episode Listen Later Nov 22, 2024 45:08


    In this episode, we ask: What percentage of businesses successfully sell at all? Who is David C. Barnett? Would you like to hear David on Episode 154? How about a story? What are some of the hazards that new business owners run into all of the time? How did David get started? What did David...

    Episode 376: [Client Spotlight] Due Diligence and the Income Snowball with Tanisha Souza

    Play Episode Listen Later Nov 15, 2024 42:05


    In this episode, we ask: Did you have a Game Genie or similar childhood thrill? Do you remember the Choose Your Own Adventure books? What is the income snowball? How does one generate passive income? Who is Tanisha Souza, J.D.? What about due diligence? How about a story? What does Tardus Wealth Strategies do? What...

    Episode 375: Get Off the X! No Decision is Still a Decision

    Play Episode Listen Later Nov 8, 2024 20:32


    In this episode, we ask: When does your training kick in? What about a broader mindset of adaptability and resilience? Does what saved you in the morning kill you in the evening? What is riskier or now outdated? What about wealth stability? Who is standing right on the X? What is the darling of everyone's...

    Episode 374: [Client Spotlight] Bank On Yourself® and Austrian Economics with Max Brusky

    Play Episode Listen Later Nov 1, 2024 40:53


    In this episode, we ask: Can you imagine…? What is Austrian Economics? Who is Max Brusky? What is Max's podcast about? Would you like to hear the BuckAround Podcast? What happened to Max in downtown Chicago? What happened at the Mises Circle event? What is the relationship between Austrian Economics and Bank on Yourself? Who...

    Episode 373: Real Financial Curriculum in Schools with Vince Shorb

    Play Episode Listen Later Oct 25, 2024 31:38


    In this episode, we ask: Did you receive any practical financial education in school? Would you like to see financial education in schools? Who is Vince Shorb? How about lizards? What about the entrepreneurial spark? Is there a financial illiteracy epidemic? What's Vince's story? How has education changed and stayed the same over the last...

    Episode 372: The IUL Illustrations are Illusions

    Play Episode Listen Later Oct 18, 2024 27:26


    In this episode, we ask: Why do indexed universal life policies (IUL policies) sales continue to grow? Why do we choose whole life insurance over other products? What about the refractor? How much risk are you comfortable taking with money you're not willing to lose? Where are you on the risk scale (1-10)? How is...

    Episode 371: Why 90% of IUL Policies Will Fail

    Play Episode Listen Later Oct 11, 2024 24:37


    In this episode, we ask: Is life 100% chaotic? Are we totally at the whims of the universe? What happens anytime we make a plan? What about expectations and assumptions? What happens when time runs out? What about the booklet, The Box by Guy Baker? What are the four pricing factors? What about mortality cost?...

    Episode 370: Whole Life Drops the Mic! IUL’s Epic Rap Battle Fail with Chris Gray and Marvin Bulas

    Play Episode Listen Later Oct 4, 2024 40:37


    In this episode, we ask: Would you like to hear the epic rap battle of insurance policies? Would you like to experience this lyrical throw down of the ages? Has Mark finally lost it?! Did whole life's guaranteed cash value reign supreme or did IUL's (indexed universal life insurance) market-linked potential steal the show? Who...

    Episode 369: Money, Emotional Intelligence and Mr. Rogers with CFO David Richter

    Play Episode Listen Later Sep 27, 2024 27:00


    In this episode, we ask: Do you remember Mr. Roger's lessons? How might the Profit First system work with real estate investing? Who is David Richter? What about great role models? What about emotional intelligence? What is key for business owners? When did David's first deal happen? What happened to that company? What happened when...

    Episode 368: A Better Way to Profit First with Mike Michalowicz

    Play Episode Listen Later Sep 20, 2024 37:52


    In this episode, we ask: Have you ever wished you were just average? Are you a business owner? Why do some business owners thrive and others merely survive? What if it were easy to become profitable? Who is Mike Michalowicz? What is the commercial that changed Mike's life direction? What happened when Mike was in...

    Episode 367: A Bank on Yourself® Manifesto with Dave Bonnemort

    Play Episode Listen Later Sep 13, 2024 34:33


    In this episode, we ask: Would you like to hear Part 1 with Dave Bonnemort? What about mindset? What about cash value life insurance? What is the point of all of this? What about building capital? Can you do hard things? What's Dave's experience with his policies? What about thinking long range? Do you want a...

    Episode 366: From Mowing Lawns to Mastering Money with Dave Bonnemort

    Play Episode Listen Later Sep 6, 2024 28:11


    In this episode, we ask: Does X mark the spot? Who is Dave Bonnemort? How did Dave get his start? How many policies does Dave and his family own? What is the E.S.I. framework? What about earning? What about saving? What about interest? What about banking? Who is good at at least two of the...

    Episode 365: Retirement Savings Sabotage! Why 90 Percent of IULs Fail… and What To Do

    Play Episode Listen Later Aug 30, 2024 36:52


    In this episode, we ask: Are we in a retirement crisis in this country? How was that agent trained? What is the problem with indexed universal life insurance (IUL)? Have you read the book Becoming Your Own Banker by Nelson Nash? Would you like to hear Episode 312? Have you read Pamela Yellen's book The Bank...

    Episode 364: Don’t Make Your Financial Life a Daytime TV Drama

    Play Episode Listen Later Aug 23, 2024


    In this episode, we ask: How about the young and the rest of us? How about the bold and the broker? How about general hospital, finance wing? How do we cope with the drama? Would you like to hear Episode 363? Would you like to hear Episode 144? What about debt to your future self?...

    Episode 363: Drowning in Long Term Care Costs? Life Insurance as a Lifesaver

    Play Episode Listen Later Aug 16, 2024


    In this episode, we ask: How about dealing with the complexities of the long term care industry? According to the Department of Health and Human Services, how many will need Long Term Care insurance? How many people own Long Term Care insurance? What about self-insuring? What's the percentage of people that confused Long Term Care...

    Episode 362: Amanda Neely’s 5 Tips for Conscious Wealth Management

    Play Episode Listen Later Aug 9, 2024


    In this episode, we ask: What is your financial story? Who is Amanda Neely? What is the S.T.I.L.L. method? Would you like to hear additional episodes with Amanda? What are the 12 principles and the 5 steps? What is in the book Five Smooth Stones? What about setting your sights? What about tracking your in-and-outs?...

    Episode 361: Expert Help with Health Ratings and Bank on Yourself®

    Play Episode Listen Later Aug 2, 2024


    In this episode, we ask: Would you like to hear Episode 360? What about losing the initial excitement? Why am I doing this in the first place? What are the steps? What about the application? What about the medical exam? What about medical records from your physician's office? What about the health rating? Is getting...

    Episode 360: [Mailbag] Is Life Insurance an Investment? and Other Hot Topics from Our Listeners!

    Play Episode Listen Later Jul 26, 2024


    In this episode, we ask: Would you like to join our FREE! Not Your Average Online Community? What are you missing? Who is Julia Reid? Is Bank on Yourself® considered an investment? What does Pamela Yellen say in the Bank on Yourself Revolution book? What are some possibilities? What about compound growth? What about the...

    Episode 359: Your Best Employee is an Insurance Contract with Doug Peacock

    Play Episode Listen Later Jul 19, 2024


    In this episode, we ask: Are you a business owner? Are you having difficulty hiring? What did a recent Gallup poll say? Who is Doug Peacock? Would you like to hear Episode 262? What are the seven ideas of “put me (life insurance) on your payroll”? Would you pay me like your lowest paid employee?...

    Episode 358: From Panic to Peace of Mind – The CURE Strategy for Late Stage Retirement Planning

    Play Episode Listen Later Jul 12, 2024


    In this episode, we ask: Did something or someone take you out? Can you retire at all? What are some tactical strategies? Do you feel behind? What happened to the stock market? What happened in 2022? What does one need to keep up with inflation? What happened to the average 401(k) balance? How long does...

    Episode 357: Mastering Your Financial Future – Strategies for Wealth Building with Grant Thompson

    Play Episode Listen Later Jul 5, 2024


    In this episode, we ask: What if…? What if you could be the master of your financial domain? Who is Grant Thompson? Would you like to hear Episode 208? When was Grant's “aha” moment? What really works with money? What is the right thing? What is the truth? What should we be doing? What do...

    Episode 356: Your 401(k) Will Be Gone within a Decade

    Play Episode Listen Later Jun 28, 2024


    In this episode, we ask: What lasts forever? What could be happening right before our eyes? What did the February 2024 Bloomberg article say? How old is a 401(k)? Are we still living through the great experiment of a 401(k)? Is it forced? Who is going with the flow? Is it just automatic and easy?...

    Episode 355: The Ultimate 401(k) Upgrade – Tax-Free Income and Market Protection

    Play Episode Listen Later Jun 21, 2024


    In this episode, we ask: What is finite? How do we solve that problem? What can be converted into a lifetime stream of income? Is there a stream of income that you cannot outlive? Would you like to hear Episode 354? How can you get through your retirement without coughing up a third of your...

    Episode 354: Bank on Yourself® Plus Strategy – From Guaranteed Growth to Guaranteed Lifetime Income (Part 1)

    Play Episode Listen Later Jun 14, 2024


    In this episode, we ask: What are you looking for? What are the reasons for setting up a policy? What are the downsides? What do we need to keep in mind? What about a finite amount of money? What about accumulating? What about taking money in retirement? What about outliving your money? What about dying...

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