Remnant Finance

Money amplifies who you are—so the real question isn't just what you'll leave your children, but who they'll become when they inherit it. In this deep conversation, Brian and Hans step away from pure financial strategy to explore something more fundamental: the difference between leaving your family money versus leaving them values, stories, and unbreakable family bonds.Their discussion reveals a sobering truth: by the third generation, most family wealth is squandered and forgotten in American culture. But the real tragedy isn't lost money—it's lost connection. When children don't know who they are or what it means to be part of their family, society eagerly fills that void with its values.The Rockefeller vs. Vanderbilt Legacy: While both families built enormous fortunes, only one survived generationally. The Rockefellers didn't just create financial structures—they built a family culture of interdependence and shared values that keeps wealth in the family across generations.Roots and Wings Philosophy: Most families build either strong roots (creating dependence) or strong wings (encouraging complete independence). The goal is both—children who can stand on their own but choose to remain connected to their family unit because they understand their heritage and identity.The Power of Family Stories: Children connect to heritage through stories, not just money. Whether it's journaling pivotal moments, creating family traditions, or establishing sayings that capture your values, these become the foundation of family identity that transcends any inheritance.Fighting Cultural Vampires: If you don't give your children a strong identity rooted in family values, external forces will gladly provide one. From educational institutions to social movements, there are plenty of "vampires" ready to shape your children's worldview if you're not intentional about it first.Creating Family Mantras: Simple phrases that capture family values become powerful tools for building identity. Whether it's "Moody's always do the right thing" or "rethink your thinking," these mantras help children understand what it means to be part of your family lineage.➡️ Chapters:00:00 - Opening thoughts on generational wealth02:00 - The five F's: Faith, family, fitness, finance, friendship03:00 - Why most fortunes disappear by the third generation06:00 - What you leave IN your kids vs. TO your kids07:00 - Rockefellers vs. Vanderbilts: A tale of two legacies08:00 - How society fills the values vacuum10:00 - Building interdependent families vs. independent individuals11:00 - The roots and wings philosophy13:00 - Creating a family compound mindset15:00 - The power of family stories and traditions19:00 - Building close grandparent relationships21:00 - Preserving family history through recordings23:00 - Changing paradigms: Rethinking college and career paths26:00 - Journaling family stories for future generations28:00 - Creating family mantras and values30:00 - Protecting children from cultural vampires33:00 - Traditional family roles in modern society35:00 - Giving children a strong family identity37:00 - How money amplifies existing character39:00 - Setting your family's direction early⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Who do we actually owe our $36 trillion national debt to? What is the national debt? Why will it never be repaid? In this solo episode, Hans tackles this rarely asked but crucial question as he continues his "Know Your Enemies" series on understanding central banking.Hans explores the counterintuitive reality that the national debt isn't meant to be repaid - it's an accounting system where government debt functions as an asset for dollar holders worldwide. By examining the perspectives of economist Michael Hudson, he reveals the strange mechanics behind modern monetary policy.From the bizarre relationship between the Treasury and Federal Reserve to why interest rates should remain steady despite political pressure, Hans breaks down complex financial concepts to help listeners understand what's happening with America's financial system and its global implications.The Illusion of National Debt: An exploration of the counterintuitive reality that national debt isn't meant to be repaid. Government debt functions as an asset for dollar and treasury holders, creating a system where debt must continue to exist and grow rather than be eliminated.Three Pillars of American Debt: A breakdown of the three main holders of US debt: everyday people with paper currency, foreign central banks with treasury bills, and the Federal Reserve itself. This creates a bizarre accounting situation where part of the government is indebted to another part of itself.Global Dollar Dominance: An examination of how military and financial systems work together to maintain dollar supremacy worldwide. Dollars flowing internationally benefit Americans, even while creating problematic dependencies in the global financial system.Modern Monetary Theory Critique: A presentation of alternative perspectives on debt sustainability, acknowledging theoretical insights while questioning whether this system can continue indefinitely without major problems as interest payments grow.➡️ Chapters:00:00 - Introduction to Know Your Enemies Series01:00 - Trump, Powell, and Interest Rate Debates04:00 - Two Factors: Interest Rates vs. Congressional Spending 08:00 - Why Lowering Interest Rates May Not Work 12:00 - Key Questions About National Debt 14:00 - Government Debt as an Asset for Others 19:00 - The Federal Reserve's Unusual Relationship with Treasury 23:00 - Michael Hudson's Perspective on National Debt 27:00 - Paper Currency as Government Debt 31:00 - How Dollars Circulate Globally 35:00 - Foreign Central Bank Reserves 39:00 - The Dollar Standard Replacing Gold45:00 - The Federal Reserve Holding Treasury Bills 49:00 - Why the Debt Can't Be Repaid 53:00 - Financial Markets vs. Real Economy 57:00 - National Security Risks of Debt⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

What is the value of a dollar? In this episode of Remnant Finance, Hans and Brian explore the concept that not all dollars are created equal. They discuss how the value of your money changes dramatically depending on where it's stored, how it's invested, and what phase of life you're in.From emergency funds to retirement planning, they challenge conventional financial wisdom and explain why simply chasing higher returns isn't always the best strategy. The discussion dives into how liquidity, accessibility, and guarantees can often be more valuable than pure growth potential.Through real-world examples and case studies, this episode offers a fresh perspective on financial planning that goes beyond account balances to consider the true value and utility of every dollar in your personal economy.Not All Dollars Are Created Equal: When a dollar bill is held in your pocket, it's the same as any other. But once that money is put into motion - invested, saved, or spent - its true value changes based on accessibility, guarantees, liquidity, and many other factors that are often overlooked in conventional financial planning.The Dangers of Conventional Financial Wisdom: The common advice that focuses solely on account balances and growth rates ignores or minimizes crucial factors like accessibility, guarantees, and tax implications. This blanket financial advice can lead people to make devastating financial decisions without considering their individual circumstances.The Power of Liquidity in Uncertain Times: A compelling case study reveals how a wealthy client struggled to secure a mortgage despite having millions in collateral, until they could provide $600,000 in liquid cash deposits. This real-world example demonstrates how cash value life insurance policies can provide guaranteed access to capital when traditional financing becomes restricted.Planning for an Unpredictable Future: Creating financial plans that can withstand unexpected events is more important than relying on historical market performance. With major disruptors like AI on the horizon and economic uncertainty, liquidity and guaranteed access to capital will be increasingly valuable.Estate Planning Considerations: The often-overlooked estate phase of financial planning highlights how different assets pass to heirs and why life insurance death benefits offer significant advantages in terms of tax treatment, probate avoidance, and guaranteed value.▶️Chapters:00:00 - Understanding Dollar Value01:00 - Brian's Office Setup & Hans's Finger Injury 03:00 - The Value of a Dollar - Not All Equal05:00 - Three Things You Can Do With Money 08:00 - Bad Financial Planning & Blanket Advice 13:00 - Report Card for Your Dollars 15:00 - Planning for the Future vs. Past Performance21:00 - AI as a Major Economic Disruptor 26:00 - Case Study: Mortgage Access & Liquidity 34:00 - Benefits of Cash Value Life Insurance 37:00 -Waiver of Premium Rider Benefits 39:00 - Estate Planning & Death Benefits 44:00 - Final Thoughts: Grading Your Dollar's Performance⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

“Most peoples' understanding of life insurance comes from someone else's misunderstanding”Bad inputs lead to bad outputs. For many people, bad input stems from Dave Ramsey. In this episode, we provide a thorough analysis of Dave Ramsey's erroneous claims about whole life insurance, addressing fundamental flaws in his understanding of the concept of cash value. The discussion centers on a recent Dave Ramsey Show clip where he dismisses whole life insurance as a poor financial tool, providing blanket financial advice without a single exploratory question about the caller's personal situation.Hans and Brian methodically break down each of Ramsey's claims, offering point-by-point rebuttals backed by real-world illustrations and actuarial principles. They explore how a proper understanding of insurance mechanics reveals a very different picture than what Ramsey presents to his audience.Through detailed policy illustrations and clear explanations, the episode demonstrates why whole life insurance is an invaluable financial tool when properly understood and structured, especially for those interested in multi-generational wealth planning.The Cash Value Misconception: The fundamental understanding of cash value presented by Dave Ramsey is fatally flawed. The episode explains that cash value is not a separate savings account that the insurance company "keeps" upon death, but rather the net present value of your future death benefit.Real Policy Illustrations: An actual policy illustration debunks the claim that "they keep your cash value when you die." The example shows how a policyholder can withdraw significantly more than they contributed while still maintaining a substantial death benefit for their heirs.The Value Beyond Rate of Return: The narrow focus on rate of return when evaluating whole life insurance misses the point. Not only is Dave's internal rate of return analysis demonstrably wrong, but it ignores numerous other returns and valuable contractual rights inherent to the whole life contract.Legacy Planning vs. Self-Focus: A multi-generational wealth approach contrasts with a more limited retirement-focused perspective, highlighting how properly structured life insurance can ensure wealth transfers efficiently across generations rather than forcing each new generation to "start over."▶️Chapters:00:00 - Welcome to Remnant Finance01:00 - Life Updates and Moving Challenges 04:00 - Dave Ramsey's Take on Whole Life Insurance 08:00 - Analyzing Term vs. Whole Life Cost Comparison 12:00 - Debunking Dave's Cash Value Claims 17:00 - Misunderstanding Cash Value as a Separate Account25:00 - Explaining What Cash Value Actually Is 31:00 - Using the "Altitude" Analogy for Cash Value 42:0 - Illustration of Actual Policy Performance 49:00 - Legacy Planning vs. Self-Focused Retirement 55:00 - Compensation Models: Commissions vs. Asset Management Fees 01:02:00 - Dave's Lack of Understanding About Infinite Banking 01:09:00 - Final Thoughts on Making Informed Financial DecisionsGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Are you unconsciously spending on things that don't matter? In this episode, Brian and Hans tackle one of the most common questions they receive from clients: "How do I find money to fund my IBC policy premium?" Together, they explore practical strategies for identifying suboptimal capital in your economy and shifting how you think about premium payments entirely.Their candid conversation reveals how most Americans are managing cash flow without intentionality, letting dollars slip through their fingers. As Brian points out, "The money comes into the account, the money goes out, you don't know where it went." This unconscious approach to finances creates a significant opportunity for those willing to analyze their spending patterns.We discover why understanding your current financial patterns is the crucial first step to taking control of your banking function. Hans reminds us that "more than the dollars, the control is what's valuable here," highlighting that the real power of implementing an Infinite Banking Concept system lies not just in wealth accumulation, but in the financial freedom it provides through intentional money management.Unconscious Spending Habits: Most people are unknowingly spending at least 10% more than needed on things that don't truly matter. Brian and Hans discuss how analyzing your spending patterns for just a few months can reveal significant "found money" without sacrificing your quality of life or adopting extreme frugality.Reimagining Premium Payments: Unlike other types of insurance, whole life policy premiums should not be viewed as expenses but as wealth transfers. The paradigm shift is recognizing that these dollars will return to you either through cash value access during your lifetime or as a tax-free death benefit to your family later, completely changing how you approach funding decisions.Strategic Funding Sources: The conversation explores multiple places to find premium dollars, including: converting your emergency fund to a more efficient vehicle, optimizing other insurance deductibles, redirecting investment capital gains, repurposing qualified retirement funds, and capturing "excess flows" like bonuses or social security cap savings.Taking Control Through Intentionality: Hans emphasizes that you already have a distribution plan for your money whether you're conscious of it or not. The value in the IBC approach isn't just the financial growth, but the control it gives you over your financial system, allowing decisions based on certainty rather than hope.▶️Chapters:00:00 - Introduction and Unconscious Spending01:00 - Catching Up on Recent Events05:00 - The Impermanence of Possessions08:00 - Cultural Censorship Discussion 12:00 - Finding Money for Premiums15:00 - Understanding Your Distribution Plan18:00 - Emergency Fund Optimization22:00 - Raising Insurance Deductibles24:00 - The Premium Paradigm Shift28:00 - Capital Gains and Tax Efficiency33:00 - Leveraging Qualified Funds37:00 - Future Cash Flows and Flexibility42:00 - Capturing Excess Income Streams45:00 - Final Thoughts and Wrap-UpGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

When you look at historical volatility, when it starts to whiplash like this, it gets more and more severe—so the big question is, are you ready for that?In this episode, Hans and Brian talk with Scott Osborne about navigating market volatility and developing strategies to protect your assets during economic uncertainty. Scott shares insights on how to approach market fluctuations with discipline and why having access to "dry powder" through infinite banking can be crucial during market downturns.The conversation explores the recent sharp market volatility triggered by tariff announcements and the subsequent recovery. Are you prepared for increasing market whiplash effects that historically become more severe once they begin?This discussion provides practical advice for both accumulation and distribution phases of wealth management, showing how the right financial structure can help you weather volatility and potentially capitalize on it with strategic positioning.Disciplined Long-Term Strategy: Trying to time market tops and bottoms is a losing strategy, with data showing that missing just the 10 best market days over 30 years can cut returns in half. The focus should be on maintaining a disciplined approach to investing rather than making emotional decisions.Financial Flexibility Advantage: Having accessible capital during market downturns creates opportunities. Infinite banking and cash value life insurance provide guaranteed access to funds without bank approval or concern about interest rate fluctuations.Retirement Protection Framework: Retirees can shield themselves during market volatility by creating a 3-5 year buffer of guaranteed income. Bond laddering offers an alternative approach for those who don't use infinite banking.Strategic Tax Opportunities: Market downturns create prime conditions for tax-loss harvesting and Roth conversions, potentially saving significant money on taxes while repositioning assets for future growth.▶️ Chapters:00:00 - Introduction and Market Volatility Preview03:00 - Emotional vs. Data-Driven Investing 06:00 - Historical Market Performance After Downturns09:00 - Statistics on Missing the Market's Best Days 12:00 - Accessing Capital During Market Dips17:00 - Tuning Out Market Noise and Following Your Plan22:00 - Home Equity Loans vs. Policy Loans 27:00 - Sequence of Returns Risk in Retirement 32:00 - Creating a Retirement Income Strategy 38:00 - Current Market Anomalies and Macroeconomic Shifts44:00 - Bond Strategies for Retirement Planning51:00 - Final Thoughts on Controlling What You CanVisit Patriot Wealth Planners and learn how to protect your wealth while maximizing growth potential!Got Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

America stands at an economic precipice where the next few years will determine whether we face catastrophic collapse or unexpected revival.In this solo episode, we dive deep into the precarious state of America's economy and explore a potential path forward based on insights from Joe Withrow of the Phoenician League. The discussion examines the unprecedented economic situation facing the United States and presents a surprising perspective on how recent policy proposals could potentially avert a sovereign debt crisis.With nearly half of the national debt coming due in the next three years and interest payments projected to overtake Social Security by 2026, the solutions presented offer a radical rethinking of federal assets and how they might be leveraged to save America's financial future.Economic Reality Check: Current economic conditions are unprecedented in our lifetime, with interest payments on the national debt projected to surpass Social Security as the largest budget item by 2026 if nothing changes.Global Financial Power Struggle: The Federal Reserve appears engaged in a power struggle with European central banks, with implications for America's financial future despite the Fed's inherent flaws.Revolutionary Economic Approach: Commerce Secretary Howard Lutnick's proposal for creating an External Revenue Service and a Sovereign Wealth Fund could transform government finances by properly valuing federal assets.Looming Debt Crisis: Nearly $17 trillion in US treasuries (almost half the national debt) is due over the next three years, requiring decisive action to prevent financial catastrophe.Innovative Asset Strategy: Leasing federal land for energy and mining, taking stakes in defense contractors, and leveraging gold reserves could generate hundreds of billions in annual revenue through a new Sovereign Wealth Fund.▶️ Chapters:00:00 - Introduction & Economic Crossroads 01:00 - Setting Up the Solo Episode Context03:00 - Macro vs Microeconomics Perspective05:00 - Joe Withrow's Insights on Global Economic Struggles10:00 - The Federal Reserve vs European Central Banks17:00 -  "Springtime for America" - Lutnick's Economic Proposal 20:00 - The Interest Payment Crisis Looming26:00 - Federal Government's Undervalued Assets33:00 - Treasury Bonds Coming Due in Next Three Years37:00 - Sovereign Wealth Fund Potential Revenue Sources45:00 -  Closing Thoughts on Statistics and ResponsibilityGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

What if ending the Federal Reserve created worse problems than the ones we're trying to solve?In this solo presentation, Hans explores the complex world of central banking, focusing on the Federal Reserve's role in the global economy. He examines monetary policy from their perspective to help listeners understand the actual mechanisms at work beyond the typical criticisms.The presentation takes a deep dive into the US dollar's status as the world's reserve currency, exploring both the benefits and costs of this position that few Americans fully understand. Through an examination of the "Triffin Dilemma," Hans explains the historical tensions between maintaining a gold standard and providing sufficient global liquidity.With careful analysis backed by economic texts, he offers a warning about alternatives to the current system, suggesting that globalist central banking plans might be far more concerning than our existing monetary framework.Central Banking from the Insider Perspective: An approach to monetary policy from the perspective of those who implement it, explaining how the Treasury, Federal Reserve, and Congress all play interconnected roles in the expansion of the money supply. Clarification that while the Fed does expand the money supply, the initial demand for money starts with Congressional spending.The US Dollar as World Reserve Currency: A deep dive into what it means for the US to have the world's reserve currency, exploring both the benefits (seigniorage, lower borrowing costs, international prestige) and the costs (vulnerability to global financial shocks, trade imbalances, currency appreciation affecting exports).The Triffin Dilemma Explained: An exploration of economist Robert Triffin's identified conflict: global trade needs an elastic supply of dollar liquidity, but the US gold holdings (under the former gold standard) were essentially fixed. This tension ultimately led to abandoning the gold standard in 1971 and has significant implications for today's monetary system.Be Careful What You Wish For: A warning about the alternatives to the Federal Reserve, suggesting that what globalist central bankers have been trying to implement for decades—a global currency outside national control—would be worse for Americans than the current system.▶️ Chapters:00:00 - Introduction and Background on Central Banking03:00 - Why Few People Understand the Fed's Real Mechanisms06:00 - How Money Creation Works: Congress to Treasury to Fed11:00 - Central Banking Alternatives and Their Risks15:00 - Reserve Currency Status: Definition and History22:00 - Benefits of Being the World's Reserve Currency28:00 - The Costs of Reserve Currency Status32:00 - The Triffin Dilemma: Gold Standard vs. Elastic Currency41:00 - How Central Bankers View Gold as a "Brake on Growth"47:00 - Ending Gold Convertibility in 1971 and Its Effects51:00 - Warning About Globalist Central Banking Alternatives54:00 - Conclusion and Call for FeedbackGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

If you don't hear it from us, you're not going to just stumble across it - but what exactly is "it" when it comes to the truth about our financial system?In this episode of Remnant Finance, Hans dives into the mechanics of central banking, monetary systems, and the financial "rules of the game" that affect us all daily—yet remain largely hidden from view.This episode offers a thoughtful examination of how our financial system actually works and why understanding it matters for those implementing IBC (Infinite Banking Concept). Rather than simply demonizing central banking and fiat currency, Hans argues for a more nuanced approach: truly understanding the system we're forced to operate within.Exploring everything from the true origins of money to the relationship between Congress, the Federal Reserve, and the Treasury, this episode challenges many common assumptions while providing practical insights for navigating our current financial reality. It's a masterclass in "knowing your enemy" for anyone looking to protect their financial future through IBC principles.The Origin and Nature of Money: An exploration of competing theories about where money comes from - the mettallist "barter origin story" versus the chartalist view that money is a creation of the state.Fiat Money Realities: Why fiat currency isn't inherently evil, but rather a medium defined by government decree - one we're forced to interact with whether we like it or not.State Money vs. Bank Money: Understanding the difference between state-created monetary base (legal tender) and the expanded bank money created through fractional reserve banking.The True Role of the Federal Reserve: Challenging common misconceptions about who's really responsible for inflation - is it really Jerome Powell and the Fed, or is Congress the true culprit?Fractional Reserve Banking Explained: A clear breakdown of how banks can turn $100 of deposits into $1000 through the money multiplier effect, and the implications this has for our economy.Practical IBC Application: Why using IBC is about optimizing within a fiat system we can't escape, rather than pretending we can avoid it entirely.▶️ Chapters:00:00 -  Introduction and Reality Check05:00 - The Encyclopedia of Central Banking07:00 - Questioning Our Financial System13:00 - Learning From Central Bankers18:00 - Understanding the Rules of the Game25:00 - What Is Money? Competing Theories31:00 - Fiat Money and Government Decree36:00 - State Money vs Bank Money Explained39:00 - Relationship Between Congress, Treasury and Fed45:00 - Who Really Creates Inflation?48:00 - Fractional Reserve Banking Simplified54:00 - Asset Price Inflation and Market Reality57:00 - Pros and Cons of Our Current System01:00:00 - Final Thoughts on Know Your EnemyGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Amidst one of the sharpest short-term market downturns we've experienced since 2020, we need a strategy beyond simply market investments.In this insightful episode, we explore financial strategies with Scott Osborne, an independent financial advisor and founder of Patriot Wealth Planners. Scott brings his unique expertise from working with airline pilots and high-net-worth individuals, offering a fresh perspective on financial planning that many might be overlooking.The conversation dives deep into the often-neglected "protect and save" components of financial planning before focusing on growth. They discuss how market volatility impacts actual returns versus compounding average returns, and why having a stable financial foundation is crucial during uncertain economic times.From explaining the mathematical impact of market downturns to revealing how a "volatility buffer" can transform retirement planning, this episode provides practical wisdom for anyone looking to weather financial storms while building lasting wealth.The Overlooked Power of Savings: How the media and financial industry often focus exclusively on market growth and investments, causing many people to overlook the critical importance of disciplined savings. The conversation highlights how savings provide stability during market volatility.Market Volatility and Total Returns: The difference between average returns versus actual returns, explaining how volatility significantly impacts long-term wealth accumulation. A clear example shows how a portfolio with 0% "average" return can still lose money due to market fluctuations.Creating a Volatility Buffer: How properly structured whole life insurance policies can serve as a stable "volatility buffer" during market downturns, allowing investors to maintain growth investments longer and avoid selling assets at a loss during retirement.The Protection Component: The importance of proper protection planning is emphasized since wealth accumulation happens on a curve, with the steepest growth typically occurring in later years. Without adequate protection, a premature death or disability can cut this curve short and leave families financially vulnerable.Combining Growth and Protection Strategies: How growth-focused investment strategies work symbiotically with protection and savings vehicles, allowing retirees to spend confidently while still leaving a meaningful legacy.▶️ Chapters:00:01 - Introduction and Overview02:00 - Background and Experience04:00 - The Financial Order of Operations06:00 - Common Investment Mistakes09:00 - The Problem with Default Investment Options12:00 - Behavioral Mistakes in Investing16:00 - Understanding Volatility and Total Returns20:00 - Active Risk Management Strategies22:00 - Average Rate of Return vs. Actual Performance30:00 - The Volatility Buffer Concept34:00 - The Protection Component of Financial Planning39:00 - How Protection and Growth Work Together44:00 - Being a "Professional Adult" for Your Family46:00 - Closing ThoughtsVisit Patriot Wealth Planners and learn how to protect your wealth while maximizing growth potential!Got Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

What if the key to generational wealth was hidden in a 92-page book written over 25 years ago?In this episode of Remnant Finance, we dive deep into the fundamentals of the Infinite Banking Concept (IBC) by revisiting Nelson Nash's five core principles from his groundbreaking book "Becoming Your Own Banker." After exploring various financial topics in recent episodes, the conversation returns to the bedrock principles that make IBC such a powerful financial strategy.The discussion breaks down each principle—Think Long Term, Don't Be Afraid to Capitalize, Don't Steal the Peas, Don't Do Business with Banks, and Rethink Your Thinking—while exploring how they interconnect to create a comprehensive approach to personal finance. These aren't just abstract concepts but practical guidelines for creating a sustainable financial legacy.Beyond just financial strategy, the episode explores how these principles can transform your approach to all areas of life and create multi-generational wealth that benefits your family for decades to come.Think Long Term: The importance of shifting away from our culture's instant gratification mindset. Emphasis on thinking 30, 40, even 70 years into the future and planning for multiple generations, not just immediate returns. A detailed explanation of how whole life insurance provides guaranteed contractual growth that can benefit your grandchildren and beyond.Don't Be Afraid to Capitalize: The concept of capitalizing your system—not as investing, but as building potential energy within your personal economy. Using the metaphor of "damming a river" to control your financial flow rather than letting money simply pass through your life. Encouragement to pay meaningful premiums that might stretch you slightly but remain manageable.Don't Steal the Peas: Using Nash's grocery store analogy to explain the importance of being an honest banker to yourself. This means paying back policy loans with appropriate interest, even when borrowing from your own cash value. A discussion on how this practice builds your capital pool and benefits your entire system.Don't Do Business with Banks: While acknowledging that most people need to maintain at least a checking account, a discussion about Nash's principle of eventually eliminating dependence on traditional banking institutions. Weighing the philosophical aspects against practical considerations, ultimately focusing on having the freedom to choose whether to use banks or not.Rethink Your Thinking: Added later by Nash, this fifth principle encourages constant questioning of conventional financial wisdom. Sharing of personal evolution in thinking over time and how Remnant Finance itself is a case study in rethinking financial approaches.▶️ Chapters: 00:01 - Introduction to Nelson Nash's principles04:00 - The banking function and whole life insurance05:00 - Think long term - first principle12:00 - Don't be afraid to capitalize - second principle22:00 - Don't steal the peas - third principle33:00 - Don't do business with banks - fourth principle43:00 - Rethink your thinking - fifth principle47:00 - The importance of learning from those practicing what they preach50:00 - Closing thoughts and recommendation to read Nash's bookGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

$4.7 trillion of taxpayer money has vanished, and it's just the tip of the iceberg.In this eye-opening episode, Hans and Brian dive into the ongoing revelations about government waste and corruption being exposed through "DOGE" (Department of Government Efficiency) investigations. They meticulously dissect how government agencies have operated without accountability, spending trillions in what amounts to sophisticated money laundering operations.The discussion connects these alarming discoveries to Austrian Business Cycle Theory, explaining how artificially low interest rates create unsustainable booms that inevitably lead to economic busts. By examining the parallels between this economic theory and current government spending, they reveal why a painful economic reset is both inevitable and necessary.Through practical financial wisdom, they outline how individuals can build personal financial security through proper capitalization strategies while the government continues its reckless spending habits. They make a compelling case for whole life insurance contracts as a way to both protect against economic downturns and capitalize on opportunities when they arise.➡️ Government Waste Exposed: The shocking revelations coming from the Department of Government Efficiency (DOGE) investigations, including untraceable spending, fraudulent agencies, and wasteful programs that serve no legitimate purpose.➡️ Austrian Business Cycle Theory: How artificially low interest rates create unsustainable booms followed by inevitable busts, drawing parallels between this economic theory and the current government spending situation.➡️ USAID and Money Laundering: Examination of how foreign aid often functions as a circular system that enriches U.S. corporations and politicians while impoverishing the very people it claims to help, citing examples from Belarus and African nations.➡️ Financial Protection Strategies: The importance of building personal capital reserves through whole life insurance contracts to both protect against economic downturns and capitalize on opportunities when they arise.➡️ The Coming Economic Reset: Discussion of the necessity of an economic "fever breaking" and comparison of the current situation to a forest that needs to burn away deadwood, warning listeners that financial pain is inevitable but necessary for true recovery.▶️ Chapters: 00:01- Introduction and recent interview highlights03:00 - Parallels between regenerative farming and infinite banking05:00 - Introducing the DOGE revelations and Austrian Business Cycle08:00 - Government job losses and public hypocrisy14:00 - Foreign aid as money laundering20:00 - World reserve currency maintenance through USAID22:00 - Explaining Austrian Business Cycle Theory29:00 - Military waste and budget fraud36:00 - NGOs as government extensions42:00 - The necessary economic pain ahead45:00 - Building capital reserves for economic downturnsGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

What if you could become your bank, take control of your capital flow, and redirect the 34.5% of income most Americans lose to financing costs back into your pocket?In this special episode, Scott Osborn sits down with Brian and Hans to discuss the infinite banking concept - a strategy that could transform your thoughts about money, savings, and building wealth.They bring unique perspectives as current and former pilots who have discovered a powerful alternative to traditional banking and investing methods. Their journeys reveal how taking control of your banking function can create multi-generational wealth and financial independence.The conversation challenges conventional wisdom about saving, investing, and financing major purchases, offering listeners practical insights into how properly structured whole life insurance policies can become the foundation for financial freedom. Without fail, most people lose track of their spending and miss opportunities to harness the power of compound interest working for them instead of against them.Understanding the Infinite Banking Concept: This concept allows individuals to take control of their capital flow, build their reservoir, and become the beneficiary of their banking function rather than traditional financial institutions.America's Savings Crisis: With an average savings rate of just 4% despite being the wealthiest nation in the world, Americans are failing to store and utilize money effectively. The concept addresses this problem by focusing on the storage and utilization of capital.The Hidden Cost of Financing: The average American spends about 34.5% of their income on financing and interest payments to outside institutions over their lifetime. The banking concept helps redirect this interest back into your pocket.Properly Structured Whole Life Insurance: A specially designed whole life insurance policy with a higher cash value component allows you to build equity quickly, borrow against it while still earning interest and dividends on the full value, and create a reliable foundation for wealth building. Protection, Savings, and Growth: The importance of separating financial tools by their purpose rather than trying to find one product that does everything. Whole life insurance excels at protection and savings, while other vehicles should be used for growth and investment.▶️ Chapters: 00:01 - Introduction to the Infinite Banking Concept01:00 - Introduction of Special Guests03:00 - Financial Awakening Story05:00 - Journey to Infinite Banking07:00 - Defining Infinite Banking11:00 - Reframing Financial Mindsets15:00 - The Problem with Traditional Financing20:00 - How Policy Loans Work24:00 - Comparing Different Insurance Products31:00 - Clear Financial Purposes Without Blurring Lines36:00 - Case Study: Pilot with Extra Cash Flow41:00 - Overcoming Initial Liquidity Concerns48:00 - Closing Thoughts on Being Your BankerVisit RetireAirlines.com for expert guidance on retirement planning. Don't leave your future up in the air—start planning today!Got Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

What if the solution to America's health crisis is buried in the soil beneath our feet? In this episode of Remnant Finance, Hans and Brian are joined by Kevin Muno, first-generation rancher and founder of Perennial Pastures Ranch.Kevin shares his remarkable journey from college baseball player to regenerative agriculture advocate, explaining the principles behind soil health and discussing the controversial world of raw milk. From his initial permaculture experiments to managing thousands of acres of rangeland, Kevin provides insights into how properly managed grazing can transform degraded landscapes.The conversation explores how regenerative practices not only create healthier ecosystems but also produce meat with superior nutritional profiles compared to conventional farming. The discussion extends to investment opportunities in regenerative agriculture and how consumers can support this growing movement.Journey to Regenerative Ranching: After a baseball career-ending injury, the path to regenerative agriculture began with permaculture and homesteading, eventually growing into a cattle operation on 16,000 acres of leased land in San Diego County.Regenerative Agriculture Principles: Conventional farming practices have degraded soil quality, while regenerative methods rebuild soil health through animal integration, plant diversity, and maximizing photosynthesis. This approach mimics natural ecosystems to create nutrient-dense food while healing degraded landscapes.Factory Farming vs. Regenerative Practices: The conversation contrasts conventional factory farming with regenerative practices, highlighting how properly managed cattle create healthier meat with optimal omega-6 to omega-3 ratios (sometimes as low as 0.8:1 compared to the Standard American Diet's 16:1).Raw Milk Revolution: The history and benefits of raw milk are discussed, including plans for launching a dairy herd share program. The group explores how government agencies have disproportionately targeted raw milk producers despite their strong safety records.Investment Opportunity: Expansion through ranch acquisition and regeneration is underway. Using advanced technologies like satellite imagery and walkover weighing scales allows for precise management decisions years in advance, creating resilient operations even in drought conditions.▶️ Chapters: 00:00 - Introduction and Background03:00 - Baseball Career and Transition to Agriculture09:00 - Permaculture and Gardening Beginnings14:00 - How Regenerative Agriculture Heals the Land21:00 - Military Health and American Nutrition Crisis26:00 - Managing Land with Animals and Crops32:00 - Single Focus vs. Diversity in Farming34:00 - Factory Farming vs. Regenerative Practices39:00 - Nutrient Density in Food43:00 - Raw Milk History and Benefits52:00 - Government Overreach in Food Regulation59:00 - Regenerative Ranching Investment Opportunity01:12:00 - Advanced Metrics and Drought-Proofing Techniques 01:20:00 -  How to Support Perennial Pastures RanchCheck out Kevin's regenerative ranching work and explore his nutrient-dense food offerings at https://campsite.bio/perennialpasturesranch - your gateway to better health through better agriculture!Got Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Is the Fed the enemy, or are we witnessing a hidden power struggle between global interests and national sovereignty? Perhaps both are true.In this deep-diving episode, Brian and Hans are joined by Joe Withrow, a veteran of corporate banking and founder of the Phoenician League. With over two decades of finance experience and three published books, Joe brings unique insights from his firsthand experience during the 2008 mortgage crisis, where he witnessed the transformation of banking practices.The conversation reveals fascinating dynamics between the Federal Reserve, global banking institutions, and the unexpected role of Jerome Powell in defending American financial interests. Joe's analysis challenges common assumptions about the Fed while offering practical strategies for building generational wealth in our current economic landscape.Through a detailed discussion of asset allocation, passive income generation, and alternative investment approaches, this episode provides a roadmap for achieving financial independence within the complexities of modern banking. Whether you're interested in understanding global financial power dynamics or building lasting wealth outside traditional investment models, Joe's insights offer valuable perspectives for investors at any level.Power Struggles in Global Banking: An eye-opening analysis of the tension between traditional banking establishments and globalist institutions, revealing how recent Federal Reserve policies have unexpectedly aligned with American interests against global banking initiatives.Inside the Mortgage Crisis: Through firsthand experience at a major bank's loss mitigation department, we uncover how government incentives transformed foreclosure practices and potentially set up many homeowners for future financial struggles.The Path to Financial Security: A systematic approach to achieving financial independence, emphasizing the importance of creating passive income streams through strategic asset allocation and careful investment selection.Rethinking Retirement Planning: Why conventional retirement models may be insufficient and how alternative approaches to building wealth can create lasting generational impact.Check out Joe's work at https://joewithrow.com/, or visit https://phoenicianleague.com/ to learn more about the Phoencician League. ▶️ Chapters: 00:00 - Discussion on Economic Addiction to Cheap Money 02:00 - Introduction of Joe Withrow03:00 - Joe's Background in Corporate Banking08:00 - Wells Fargo and the Mortgage Crisis15:00 - Ron Paul's Influence and Libertarian Awakening17:00 - The Fed and Global Banking Factions25:00 - Jerome Powell vs Janet Yellen40:00 - Financial Security and Asset Allocation50:00 - Breaking the Generational Cycle54:00 - Introduction to the Phoenician League01:00:00 - Investment Strategy and Education 01:07:00 - Off-Grid Operations and Energy Politics01:12:00 - Closing ThoughtsGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

This week we are sharing an interview that Hans did on Scott Armstrong's Rebunked Podcast! In this episode of Rebunked, host Scott engages in a deep conversation with Hans from Remnant Finance. They explore Hans's transition from a military career to the financial sector, discussing the impact of COVID mandates on their lives. The conversation delves into the flaws of the traditional financial system, the concept of infinite banking, and the importance of cash flow over net worth. Hans shares insights on how to take control of personal finances and the significance of understanding the banking system. In this conversation, Hans discusses the importance of understanding human life value and the necessity of insurance for asset protection. He introduces the concept of infinite banking through whole life insurance, emphasizing the benefits of cash value and policy loans. The discussion also covers generational wealth strategies, particularly the Rockefeller method, and the significance of financial planning in the face of economic uncertainty. Hans advocates for a proactive approach to finance, encouraging listeners to leverage their assets effectively while ensuring protection against potential risks.Chapters00:00 Introduction and Show Overview01:16 Hans Toohey's Background and Career Shift14:12 Understanding the Financial System27:22 Infinite Banking Explained35:30 Understanding Human Life Value and Protection36:57 The Importance of Insurance and Asset Protection39:13 Infinite Banking: Leveraging Whole Life Insurance41:06 Financing Everything: The Concept of Money Printing43:31 Understanding Cash Value and Policy Loans46:22 Building Cash Value in Whole Life Policies50:36 The Power of Policy Loans and Real Estate Investment55:49 Generational Wealth and the Rockefeller Method01:02:56 The Order of Operations in Financial Planning01:06:14 Preparing for Economic Uncertainty and Asset Protection01:16:23 Introduction to Financial Freedom01:16:30 Taking Control of Your Personal EconomyYou can check out Scott's work at https://rebunked.substacked.com !Got Questions? Reach out to us at ⁠info@remnantfinance.com⁠ or book a call ⁠here⁠!⁠Visit ⁠https://remnantfinance.com⁠ for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

What happens when you start questioning everything you've been taught about your rights and the role of government in society? This thought-provoking episode explores fundamental questions about individual rights, government authority, and personal liberty through the lens of recent historical events. The conversation challenges conventional narratives and encourages listeners to question established thinking patterns while exploring the true nature of constitutional rights. Through personal experiences, legal frameworks, and historical examples, the discussion delves into how Private Membership Associations offer alternatives to government oversight, what the COVID-19 pandemic revealed about our understanding of rights, and why investing in personal education remains crucial for growth. The episode provides practical insights into how citizens can better understand and exercise their inherent rights while navigating modern society. ➡️ Foundation of Constitutional Rights: A deep dive into the relationship between citizens and government, examining how state constitutions define inherent rights and the proper role of government as a protector rather than grantor of those rights. The discussion breaks down key constitutional concepts and their practical applications in everyday life. ➡️ Lessons from Crisis Response: Using the COVID-19 pandemic as a case study, the episode examines how various mandates revealed fundamental misunderstandings about rights, commerce, and government authority. Personal experiences and observations illustrate how society responded to restrictions and what we can learn from those responses. ➡️ Alternative Legal Frameworks: The conversation explores how Private Membership Associations (PMAs) offer a legal framework for private citizens to exercise their rights outside of government control, with real-world examples from Texas gambling clubs to raw milk procurement in California. ➡️ Growth Through Investment: A discussion on the importance of continuous learning and being willing to invest in education and mentorship, even within traditional employment structures. The value of challenging existing paradigms and seeking out new perspectives takes center stage. ▶️ Chapters:  00:01 - Questioning Authority and Inherent Rights 02:00 - Rethinking Narratives and Critical Thinking 04:00 - Understanding Rights and Government Authority 17:00 - Personal Experiences with COVID Restrictions 28:00 - Learning from Past Compliance 37:00 - Private Membership Associations 42:00 - Future Show Topics and Guest Announcements 47:00 - Closing Thoughts and Continuous Learning Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance  Don't forget to hit LIKE and SUBSCRIBE

Can your wealth strategy survive a catastrophic loss, or is it just a house built on sand? In this thought-provoking episode, Hans and Brian explore the critical difference between true insurance protection and the misconception of self-insurance. They use recent events in California as a springboard to examine broader principles of wealth protection and risk management that affect everyone. Through real-world examples and careful analysis, they challenge popular financial advice about "buying term and investing the difference," revealing why this strategy might leave families vulnerable just when they need protection most. The conversation delves into how insurance companies evaluate and price risk, offering insights into why higher premiums often signal a greater need for coverage. This episode goes beyond theoretical discussions, providing practical wisdom about building financial strategies that can withstand unexpected events. Whether you're just starting to build wealth or already have substantial assets, understanding the relationship between protection and growth could be the difference between lasting prosperity and financial vulnerability. California's Policy Failures: An analysis of how state regulations, including premium caps and environmental policies, led to major insurance companies pulling coverage from high-risk areas. With average home values of $3 million in affected areas, the devastating financial impact on homeowners who lost coverage becomes even more significant. The Reality of Self-Insurance: Through the LA fires example, a clear demonstration of why "self-insurance" is merely asset reallocation rather than true protection. A theoretical case study of a couple with an $8 million net worth split between their home and investments shows how one catastrophic event can cut wealth in half without proper insurance coverage. Understanding Risk and Premiums: An exploration of how insurance companies price risk, whether for property or life insurance, and why higher premiums for higher-risk situations signal a greater need for coverage rather than a reason to avoid it. The Protection-First Strategy: A detailed examination of why protection must come before wealth accumulation, or else everything built could be wiped away by a single event. ▶️ Chapters:  00:00 - Introduction and California Contex 01:00 - Insurance Companies Pulling Coverage 02:00 - Current Events in PA and CA 03:00 - Raw Milk and Food Supply Issues 07:00 - Insurance Crisis Background  09:00 - Property Insurance Parallels to Life Insurance 15:00 - Risk Assessment and Premium Pricing  20:00 - The Myth of Self-Insurance  25:00 - Real-World Example of Net Worth Impact  30:00 - Protection First Philosophy  34:00 - Closing Thoughts Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance  Don't forget to hit LIKE and SUBSCRIBE

In this Under the Hood episode, Brian and Hans demystify the concept of cash value in whole life insurance, revealing how it fundamentally differs from conventional banking accounts. Rather than being a simple savings vehicle, cash value represents a contractually guaranteed future payment that grows stronger with time - a crucial distinction in an era of financial uncertainty. Starting with a very timely example of the danger of dealing with and depending on the government, they highlight why traditional financial systems may not provide the security many believe they do. Through their conversation, they share personal experiences demonstrating how building capital outside traditional systems has allowed them to make confident financial decisions even when faced with systemic challenges, offering practical insights for listeners seeking to protect their wealth and create lasting financial security. Understanding Cash Value: An exploration of the often misunderstood concept of cash value in whole life insurance, explaining how it represents the net present value of future guaranteed payments and differs from traditional banking accounts. Time as the Growth Engine: A detailed look at how the passage of time, rather than market performance, drives cash value growth in whole life insurance policies. This unique characteristic makes it a powerful tool for long-term wealth building. Policy Loans and Financial Freedom: Discussion of how understanding cash value enables strategic use of policy loans, providing financial flexibility without the constraints of traditional lending. ▶️ Chapters:  00:00 - Government Overreach and Personal Rights 11:00 - Credit Score Impact and System Independence 21:00 - Explaining Cash Value Through Examples 31:00 - Time Value and Guaranteed Payouts 41:00 - Policy Loans and Financial Decision Making  51:00 - Building Generational Wealth 01:01:00 - Final Thoughts on Financial Independence Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance  Don't forget to hit LIKE and SUBSCRIBE

Most people buy term insurance expecting to outlive it - and that's exactly what the insurance companies are counting on. In this eye-opening episode, we take a critical look at one of the most widely promoted financial strategies: "Buy term and invest the difference." What seems like sound advice on the surface reveals itself to be fundamentally flawed when examined through the lens of actual financial outcomes and human behavior. Through practical examples and real-world scenarios, the discussion illuminates why this strategy fails most people who attempt it. Using analogies from other types of insurance and diving deep into actuarial science, we explore why term insurance is designed to expire before most people die, and why this matters for your long-term financial planning. The conversation culminates in presenting a more effective alternative - "create an estate and invest the difference" - while explaining how convertible term insurance can bridge the gap between human life value and affordable coverage. This comprehensive approach ensures lasting protection while building living benefits through properly structured whole-life insurance. Understanding Term Insurance Reality: A deep dive into why term insurance is the most profitable product for insurance companies, with only about 1% of policies ever paying out. The discussion reveals how term insurance is designed to expire before most people die, leaving policyholders with nothing to show for years of premiums. The Economics of Insurance Pricing: Using practical car insurance analogies to illustrate why whole life insurance costs more than term - it's guaranteed to pay out, unlike term insurance which most people outlive. The conversation explores how actuarial science and mortality tables influence insurance pricing. Smart Use of Convertible Term: A detailed explanation of how convertible term insurance can bridge the gap between human life value and affordable coverage, allowing policyholders to maintain insurability and gradually convert to permanent coverage as their income grows. A Better Alternative Approach: Introduction to a more effective strategy: "Create an estate and invest the difference." This approach ensures lasting protection while building living benefits through properly structured whole-life insurance. ▶️ Chapters:  00:00 - Introduction and Previous Episode Discussion 03:00 -  Criticizing "Buy Term Invest the Difference" 14:00 - Term vs. Whole Life Insurance Comparison 25:00 - Understanding Convertible Term Insurance 37:00 - Real Numbers and Practical Examples 45:00 - Final Thoughts on Financial Legacy Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance  Don't forget to hit LIKE and SUBSCRIBE

Is money in the bank wealth? What is the value of money you can't touch? Discover why cash flow might be more important than your net worth and how acquiring existing businesses could accelerate your path to financial freedom. In this episode, we explore the dynamic relationship between cash flow and net worth, introducing wealth-building approaches through strategic business acquisition and improved savings strategies. We challenge traditional financial models, showing why they often fall short of creating lasting wealth and examine more effective methods for managing income through tools such as Currence. We demonstrate the power of these principles through a real case study of a vending business acquisition, exploring how small business ownership and equity stakes can create growing income streams. When combined with the Infinite Banking Concept, these strategies offer a powerful alternative to conventional retirement planning, proving that conscious cash management and strategic business investments can transform modest savings into substantial, sustainable wealth. The Power of Cash Management The Currents app transforms savings psychology by making saving the default action, leading to an average 600% increase in savings rates. By requiring conscious spending decisions, this system helps capture raises and bonuses that would typically be lost to lifestyle inflation. Business Acquisition Strategies Opportunities abound in purchasing established businesses from retiring owners. Using SBA loans with just 10% down, investors can acquire cash-flowing businesses with proven track records, providing immediate profits while offering room for operational improvements. Creating Multiple Income Streams Through the Infinite Banking Concept (IBC), investors can build a portfolio of equity positions in operating businesses. Taking ownership stakes in multiple operations creates growing passive income streams, demonstrating the power of maintaining long-term equity over quick sales. ▶️ Chapters:  00:00 Introduction & Military Stories  08:00 Currents App & Savings Psychology  14:00 The Power of Systematic Saving  21:00 Business Acquisition Strategies  27:00 Equity Stakes & Passive Income  34:00 Future Opportunities Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠ Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Harnessing Economic Potential Energy (Why we love policy loans for infinite banking) Common financial advice tells us to use cash on hand rather than borrowing, particularly when loan interest exceeds what our money earns. We explore why this thinking falls short and how policy loans through Infinite Banking can build lasting wealth in ways that cash transactions cannot. The discussion reveals how uninterrupted compound growth, combined with maintaining control of your capital, provides superior long-term results compared to traditional cash transactions. We explore why looking beyond short-term interest rate comparisons reveals powerful wealth-building opportunities through policy loans. Through practical examples, including car purchases and real estate investments, we demonstrate why the ability to maintain uninterrupted compound growth while deploying capital creates lasting wealth - an approach that works regardless of short-term interest rate environments. The Compound Growth Advantage: Policy loans allow your money to continue growing uninterrupted in the policy while being deployed elsewhere. This creates multiple streams of returns from the same capital base. Control vs. Banks: Traditional financing puts banks in control of repayment terms, collateral, and consequences of missed payments. Policy loans keep you in control of all aspects of the transaction. Beyond Simple Arbitrage: Short-term interest rate comparisons fail to capture the full value of maintaining control and keeping money working in multiple places simultaneously. Referenced articles: How to use a Policy Loan ▶️ Chapters: 00:00 Introduction & Christmas Updates 05:00 Why Use Policy Loans vs Cash? 15:00 Understanding Compound Growth 21:00 The Control Advantage 27:00 Bank Loans vs Policy Loans 34:00 The Value of Time 42:00 Closing Thoughts Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Traditional financial planning builds wealth primarily through stock market exposure, leaving investors vulnerable to market volatility and life's disruptions. We examine why this approach fundamentally misses the mark and explore a more robust strategy focused on protection first. The conversation reveals how "protect-save-grow" provides a more reliable path than conventional market-based strategies. We discuss why having contractual guarantees and proper protections in place should precede any focus on market returns. This approach creates stability through life's inevitable financial challenges, from disability to divorce. Through real-world examples, including conversations with high-income professionals, we demonstrate why accumulation alone doesn't guarantee financial security. Our analysis shows how starting with protection and guaranteed savings creates lasting wealth - an approach that works for investors at any income level, not just those focused on building a large nest egg. The Protection Gap: Most financial plans lack adequate protection against common wealth-destroying events like lawsuits, disability, divorce, or death. Just one adverse event can derail decades of wealth accumulation when proper protections aren't in place first. Stock Market Dependencies: Traditional portfolios rely heavily on assumptions about stock market performance and the inverse relationship between stocks and bonds - assumptions that don't always hold in modern markets. The Federal Reserve's interventions have created artificial market conditions that may not be sustainable long term. The Accumulation Trap: Many high-income earners focus solely on building large account balances without a concrete plan for accessing or protecting that wealth. We examine why contractual guarantees may provide better security than market-based assumptions. A Better Foundation: Rather than building on the unpredictable foundation of market performance, we discuss why starting with protection and guaranteed savings creates a more secure base for wealth building. This approach can work for any income level, not just high earners. ▶️ Chapters  00:00 Introduction & Personal Updates  03:00 The Problem with Market-Based Planning  08:00 Common Wealth-Destroying Events  14:00 Federal Reserve's Market Impact  21:00 COVID Policy Failures & Government Trust  26:00 Dollar Cost Averaging Critique  31:00 The Accumulation Mindset Problem  37:00 Closing Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

The financial industry pushes a conventional narrative that retiring at 65 is the ultimate goal, perpetuating a 20th-century model of wealth building that fails to serve modern realities. After working with hundreds of clients, we've learned there's a fundamental problem with traditional retirement planning - it's built on unpredictable assumptions about taxes, inflation, and market performance. In today's episode, we dive deep into why the standard retirement planning model is broken and why we need to rethink our entire approach to building wealth. We explore how the current system encourages us to defer use of our capital while saving in accounts we can't access for decades. Through real examples and historical context, we discuss why focusing on generational wealth transfer may be a better approach than traditional retirement planning. We challenge the basic assumptions of retirement planning, examining why the concept of retirement itself needs to be reimagined, and how Biblical principles of wealth creation and legacy can guide us toward a more sustainable future. Our conversation reveals why creating value throughout life might be better than planning for inactivity. The False Promise of Retirement Age: The concept of retiring at 65 is a modern construct with no historical or Biblical basis. Social Security has created artificial incentives around retirement timing, while Required Minimum Distributions (RMDs) force retirees to spend down their wealth rather than preserve it. The Unpredictable Future Problem: Traditional financial planning requires making multiple assumptions about an unpredictable future. Tax rates, inflation, market performance, and lifespan are all variables that can dramatically impact planning. The standard model assumes you'll spend less in retirement, which is not an assumption that can be responsibly made. The Inflation Reality Challenge: In 1988, $20,000 bought a nice car and $90,000 bought a decent house. Today those numbers have multiplied several times over. Future costs are likely to increase exponentially, not linearly, making traditional planning models obsolete. Biblical Wealth Building: Focus should be on building sustainable wealth that can be passed down, following the biblical principle of leaving an inheritance to children's children. Creating value throughout life, rather than planning for inactivity, aligns with biblical commands of dominion and multiplication. ▶️ Chapters  00:00 Introduction & Current Events 02:00 The Problem with Traditional Financial Planning  05:00 Questioning Retirement Age Assumptions  15:00 The Reality of Asset Price Inflation  25:00 Biblical Perspective on Wealth & Legacy  35:00 Tax Implications & RMDs  40:00 Historical Context of Inflation  45:00 Closing Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Most people wait until 65 to enjoy life, saving in retirement accounts they can't touch for decades. After working with hundreds of clients, we've learned there's a better way to build wealth while maintaining your current lifestyle. In today's episode, we sit down with Shane Thompson from RP Capital to explore how turnkey real estate investing can create passive income streams and accelerate your path to financial independence. We dive deep into why traditional retirement planning falls short, how to leverage other people's money through infinite banking, and why focusing on cash flow rather than net worth could transform your financial future. We explore practical strategies for building a real estate portfolio without becoming a full-time investor, how to evaluate markets for stable returns, and why passive income gives you the freedom to pursue what truly matters in life. Passive Real Estate Done Right: The turnkey model eliminates common real estate headaches by providing vetted properties, professional management, and established systems. Focus on stable markets with steady growth rather than chasing explosive returns that could crash. The Power of Leverage and Cash Flow: Using tools like infinite banking to finance properties can dramatically increase returns while maintaining control. Focus on monthly cash flow rather than trying to pay off properties early - this creates options and accelerates portfolio growth. From Net Worth to Cash Flow Thinking: Traditional retirement planning focuses on building a nest egg you can't touch for decades. Real estate provides immediate cash flow that can fund lifestyle changes now while appreciating over time. The Compounding Portfolio Strategy: Start with one property generating a few hundred in monthly cash flow. Reinvest gains and leverage equity to acquire more properties over 4-7 years. Eventually, one property can turn into multiple without additional capital. Policy loan article discussed in show is linked HERE. ▶️ Chapters 00:00 Intro 01:00 Guest Background 03:00 Turnkey Real Estate Explained  08:00 Market Selection Strategy  14:00 Four Types of Returns 2 21:00 Investment Timeline 27:00 Infinite Banking Integration  32:00 Portfolio Growth Strategy  42:00 Lifestyle Freedom  48:00 How to Get Started  54:00 Closing Connect with Shane from RP Capital shane@rpcinvest.com https://www.linkedin.com/in/shane-thompson-62497378 https://www.linkedin.com/company/rpcapital?trk=public_profile_topcard-current-company Got Questions? Reach out to us at info@remnantfinance.com ⁠ Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Most people confuse saving, investing, and speculating, leaving their financial security to chance. They rely on the traditional accumulation model, trusting the markets to take care of them, while unknowingly engaging in high-risk strategies without understanding the implications. In today's episode, we explore how to distinguish between these three financial strategies and why building a strong foundation of savings is the key to long-term success. True financial security doesn't come from speculation or blind investing – it comes from understanding your options, controlling your capital, and aligning your financial strategy with your personal goals. We dive into how Infinite Banking can provide a framework for building wealth with guaranteed growth and liquidity while preserving your ability to seize investment opportunities. We also discuss why questioning conventional wisdom and thinking critically about your financial choices is essential in today's uncertain environment. Most importantly, we provide practical advice on how to shift from a speculative mindset to one focused on guaranteed savings, intentional investing, and informed decisions. The True Nature of Saving, Investing, and Speculating: Most people conflate these terms, leading to risky financial behavior. Saving ensures guaranteed security and liquidity, while investing requires informed, strategic decisions. Speculating, on the other hand, is high-risk and unpredictable. The Power of Infinite Banking: Using whole life insurance as a foundation allows for guaranteed growth, tax advantages, and accessible liquidity. It's a savings vehicle that aligns with both safety and opportunity. Challenging Conventional Wisdom: The "safe path" isn't always safe. Question financial advice that prioritizes accumulation over velocity and puts your money at risk without protection. Building True Financial Security: Protect your family and assets first with a robust savings strategy. Then, leverage your savings for informed investments. This approach creates resilience against life's uncertainties while empowering wealth-building. Chapters 00:00 - Introduction 02:10 - What Is Speculating? 05:35 - Investing vs. Speculating: The Key Differences 09:45 - The Savings Problem in America 12:20 - Infinite Banking and Whole Life Insurance 16:05 - The Velocity of Money 20:15 - The Flaws in Accumulation Theory 24:40 - Protecting Against Life's “Three Ds” 29:10 - Life Insurance as a Savings and Investment Tool 34:00 - Why Financial Institutions Want Your Money 40:00 - Closing Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

How do you build wealth?  Most people live in fear of losing their steady paycheck. They cling to the illusion of job security, focusing on their retirement accounts and hoping the markets will take care of them. After spending years in the military, we learned that the "safe" path isn't actually safe. In today's episode, we explore why investing in yourself is the highest-returning asset you'll ever own. True security doesn't come from your employer or your 401(k) - it comes from constantly expanding your skills, knowledge, and network. We dive deep into why cutting expenses isn't enough, why surrounding yourself with growth-minded people matters more than ever, and how to think differently about personal development in 2024. Most importantly, we share practical strategies for shifting from an employee-to-owner mindset. Your skills and capabilities are the foundation of everything else in your financial life. So why focus solely on market returns when investing in yourself could yield far greater rewards? Investment in You Over Markets: The smartest investment isn't in stocks or bonds but in yourself. Spending money on coaching, education, and skill development often yields far greater returns than traditional investments. The focus should be on growing your capabilities and value rather than just seeking market returns. The Power of Strategic Networks: Your network determines your growth potential. Surrounding yourself with growth-minded individuals while removing "energy vampires" is crucial for success. Building relationships with experts, joining masterminds, and investing in professional connections create compound returns in knowledge and opportunities. From Employee to Owner Mindset: The "safe" path of traditional employment is becoming increasingly risky. True security comes from developing valuable skills, building multiple income streams, and taking ownership of your financial future. This means shifting from seeking stability to pursuing growth and from depending on institutions to creating your own opportunities. The Value Creation Formula: Growth comes from constantly expanding your capabilities and finding ways to create more value. Instead of focusing on cutting expenses, prioritize increasing your earning power through skill development, strategic relationships, and continuous learning. Your earning potential is limited only by your willingness to invest in yourself. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Most people think they're in just one business - their job. We're also all taught that success comes from working hard at a job, earning a paycheck, and saving for the future.  But here's the thing, whether you realize it or not, you're already in the banking business. Every time money moves through your life - paying bills, making purchases, saving for the future - someone is profiting from that flow of capital. Usually, it's the banks.  What if it could be you? In this episode, we dive into why you should run your household like the enterprise it is while building your own family banking system.  Think about it - your day job exists for one reason: to support your family's well-being and future. So why let other institutions capture all the financial benefits from your hard-earned money?  A Man's Two Businesses: Every man should focus on two core businesses: his primary vocation, which provides income, and his "banking business," which involves managing personal and family capital. By controlling the flow of money through IBC, families can capture financial benefits typically earned by banks, ensuring long-term financial security and independence. The Home is the Ultimate Business: Your home isn't just where you live; it's the most important business you'll ever run. The household is the ultimate enterprise; Every job you take or decision you make should work toward securing your family's financial stability. Treating your household like a business means planning ahead, protecting what matters, and prioritizing your family's future.  Family Banking System: Why borrow from a bank when you can be the bank? By setting up a family banking system with whole life insurance policies, you can fund major expenses like cars or college while keeping the profits in your own family. It's about building financial independence and creating options for your loved ones. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

If you're a parent chances are you're constantly thinking about securing your children's future.  Traditional financial planning for kids usually stops at college savings. But what if you could build a financial fortress that grows for generations? Enter children's whole life insurance – These policies offer a unique combination of guaranteed growth, tax advantages, and flexibility that can create lasting generational wealth. We get into how these policies work, why they outperform traditional college savings plans, and most importantly, how they can create a legacy of financial independence that spans centuries.  Foundation of Family Banking: Children's life insurance policies enable generational wealth starting 14 days after birth. Immediate cash value builds tax-free through compound interest. Insurance companies require equal coverage between siblings to prevent any incentive disparities, with coverage typically limited to 50% of the parents' existing policies. The resulting pool of capital becomes a flexible financial foundation - accessible for education expenses, business ventures, real estate investments, or any other purpose without restrictions or penalties. Unlike traditional savings vehicles, these policies combine immediate utility with long-term growth potential, creating a financial legacy that can span generations while maintaining full access to funds throughout the child's life. Strategic Advantage Over 529 Plans: Life insurance policies maintain growth even when borrowed against - a key difference from 529s which stop growing when withdrawn. No market dependency or educational use requirements. Death benefit included. Invisible on FAFSA applications. Offers privacy and flexibility 529s can't match. Multi-Generational Impact: Creates century-spanning financial independence for descendants. Requires careful trust structuring and family constitution development. Protects future generations from economic pressure, enabling principle-based decisions. Success demands meticulous planning but impacts great-grandchildren and beyond. Critical Financial Education Component: Parents must actively teach capital management and banking principles traditional schools ignore. Knowledge transforms inheritance from potential burden to growth tool. Combines financial wisdom with family values. Creates capable wealth stewards prepared to expand legacy. Education proves as valuable as the wealth itself. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Understanding life insurance underwriting is critical.  Most agents gloss over the complexities to get straight to the sale, but Hans Toohey and Brian Moody move beyond the typical "just buy term" conversation to examine the intricate process of getting approved for coverage, especially for military service members. Underwriting differs dramatically between civilian and military applicants. In this episode, they discuss the unique challenges of military pilot ratings, the impact of VA disability claims, and the often-overlooked financial qualification process. Hans and Brian draw from their experience working with military personnel to provide actionable insights about medical exams, financial requirements, and navigating the complex military medical records system. Getting coverage while you're insurable is paramount, VA disability claims require careful timing, and understanding the underwriting process matters more than chasing the best rates.  Dual Qualification Required: Life insurance stands alone in needing both financial and medical approval. Financial looks at income and existing coverage, while medical requires exams and health history. Once approved, it's a binding contract that can't be changed. Military Service Adds Complexity: Military pilots face extra charges that civilian pilots don't - $4/thousand for fighters, $2/thousand for helicopters. Deployments complicate coverage, and getting military medical records is notoriously difficult. Simple assignments like moving overseas can trigger special reviews. VA Claims vs Insurance Timing: The VA system rewards claiming maximum disability, while insurance rewards good health. Mental health claims especially impact insurability. Key advice: Get insured before filing VA claims, as these records become permanent. Focus on Getting Coverage: Whether you get preferred or standard rates matters less than securing coverage while you can. Most people don't get healthier with age. Even if tobacco use or high-risk activities bump up your rates, having coverage beats being uninsurable later. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Does voting matter? With the 2024 US elections being 5 days away, Brian Moody and Hans Toohey move beyond the typical conversation of Trump vs. Harris (because the choice between the two is pretty obvious) to examine the fundamental nature of federal elections. Brian makes the case for strategic engagement with an admittedly flawed system, but Hans explains why he abstains from voting at the federal level altogether, questioning whether participation legitimizes a system that has strayed far from its constitutional roots. Through the lens of history, particularly the transformative year of 1913, which brought us the income tax, direct election of senators, and the Federal Reserve, they explore how America's political landscape has shifted from its original design. Despite their differences, both agree on several key points: the federal system has serious problems, voting won't fix everything, and personal financial independence ultimately matters more than politics.  To Vote or Not to Vote: Hans takes a principled stand against participating in federal elections and instead only votes on a state level. Brian, while acknowledging these systemic flaws, advocates for practical engagement with the federal system. He argues that federal elections drive major changes regardless of original intent, pointing to Supreme Court appointments and Trump's unprecedented questioning of the income tax system as evidence that voting can effect real change. Even a flawed tool can be used strategically for positive outcomes.  Can You Trust Federal Voting Legitimacy? The federal voting system operates more as a corporate consent mechanism than genuine democratic representation. When you've got D.C. legally structured as a corporation and statistically impossible ballot patterns from 2020, it raises some questions.  The Trump-Harris Dynamic is Unprecedented: Harris is an exceptionally weak candidate, garnering less than 10% support in her home state and dropping out first in the 2020 Democratic primaries, with no enthusiastic support base. Voters aren't choosing between two viable candidates with distinct support bases; instead, they're either voting for Trump or against him, with Harris serving as a placeholder for the anti-Trump position.  1913: The Year That Changed Everything: The trifecta of the 16th Amendment (income tax), 17th Amendment (direct election of senators), and the Federal Reserve's creation effectively reconstructed the federal-state relationship. This wasn't just a minor administrative shift - it represented a complete transformation of how American governance functions, creating many of the systemic challenges we grapple with today. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

The WHO recently stated that fluoride is, in fact, unsafe. After 60 years of being labeled a conspiracy theory, with experts reassuring the public about its safety, people should be concerned about taking the “experts” for their word. We should be doing our own research.   Pfizer's admission that they did not test certain aspects of their COVID-19 vaccine before marketing it as "safe" and "effective" raises serious questions. Can we keep on blindly trusting "expert" advice? In this episode, Brian Moody and Hans Toohey discuss why you need to become your own expert. They delve into what you must look out for before making decisions that greatly impact your or your family's lives. Tune in to learn about what Brian and Hans do to make more informed choices about their health and lives. Be Skeptical of What the “Experts” Say: Question everything. Just because an “expert” says something, doesn't mean it's infallible. If it concerns your body or impacts your life, take the initiative to do your own research instead of blindly trusting someone simply because they hold a PhD. Throughout history, there has been "common knowledge" that experts endorsed which later proved to be incorrect. Historical Narratives Should Be Re-examined: Don't hesitate to research and consider alternative viewpoints that challenge commonly accepted historical knowledge. Understanding that history is often presented with biases, and exploring different perspectives can give you a more comprehensive and accurate understanding of past events. Corporations Don't Want You To Get Better: Pharmaceutical companies prioritize profits over the well-being of individuals. Their decisions on product development, marketing, and distribution are driven more by financial gain than by public health benefits. Critically assess medical products and treatments, weighing their pros and cons before proceeding. Trust Yourself, Not Just Experts: Take personal responsibility and trust your own judgment. Whether it's about family health, financial decisions, or general well-being, strive to become the expert in your own life. Gather information, question the norms, and make informed decisions for the benefit of your family. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

What does life insurance really cover besides the obvious? It's much more than just a payout when you die. Brian and Hans break down the three types of "deaths" protected by life insurance—physical, disability, and retirement—and discuss why it's crucial to safeguard your income at all life stages. Investing in yourself, preparing for unexpected disabilities, and fulfilling moral responsibilities through adequate coverage aren't just smart moves—they're essential.  Recognize All Forms of Economic Risk: Life insurance protects against three types of economic "death": physical death, disability death (loss of income due to becoming disabled), and retirement death (loss of income upon retirement). It can protect your income at all stages. Invest in Yourself First: Your ability to earn money is your most valuable asset. Taking care of your health, building your skills, and advancing your career are all ways to make sure you keep that income flowing. Prepare for the Unseen: The likelihood of disability affecting one's ability to earn is higher than premature death. It's important to have an insurance plan that covers all scenarios.   Insurance is More Than Just Money: It's about looking out for your family's future. Whole life insurance ensures your income provides for them regardless of your earning capability while providing a host of living benefits in the meantime. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Brian and Hans tackle: Dividends in Whole Life. What are dividends in mutual insurance companies, and how do they differ from stock dividends?  The most efficient way to use dividends is by purchasing paid-up additions (PUAs). This strategy expands both the death benefit and cash value without additional out-of-pocket premiums, effectively supercharging the policy. Brian and Hans cover the limitations of policy illustrations and emphasize the real-world value of having capital readily available through IBC policies.  What Are Dividends? Dividends in IBC policies aren't like stock dividends; they're a share of the mutual insurance company's profits. Unlike volatile stock dividends, these are shares of a mutual insurance company's profits, paid consistently for over a century. But don't be fooled by the declared rate - there's a crucial difference between gross and net dividends. Understanding this nuance is key to maximizing your policy's potential. Using Dividends to buy more PUAs: The most efficient way to use dividends is to purchase more Paid-Up Additions (PUAs). This supercharges your policy, expanding both your death benefit and cash value without additional out-of-pocket premiums. It's financial growth on autopilot, constantly strengthening your financial position year after year. The Dividend Difference: IBC policy dividends aren't like stock dividends. They represent a share of the mutual insurance company's profits and are a key tool for policy growth. By reinvesting dividends into Paid-Up Additions (PUAs), policyholders can create a self-reinforcing cycle of policy expansion. This increases both the death benefit and cash value without additional premiums. Once dividends are declared and used for PUAs, they become part of the policy's guaranteed values, effectively raising the policy's financial baseline.  Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

What is Nelson Nash's Infinite Banking Concept? You might have heard it mentioned by rice and beans gurus like Dave Ramsey, but in this episode, Brian and Hans peel back the curtain on everything you need to know about the incredible asset that is whole life insurance.  For those who have been intrigued by the ideas they have talked about, but still unsure on the basics, this episode covers it all: the fundamentals of policy structure, mutual insurance companies, the flexibility of policy loans, and how IBC can be used for protection, financing, and as a safe foundation from which to make investments.They explain the crucial difference between base premiums and paid-up additions and demystify the process of actually taking out a policy loan, taking the seemingly complex concepts down to their simplest form. IBC Fundamentals: IBC policies are structured with two main components: base premiums and paid-up additions (PUAs). The base premium is described as the foundation of the policy, providing the core death benefit. PUAs, on the other hand, are likened to "miniature policies" allowing for rapid cash value growth. The combination of base premiums and PUAs is what sets IBC policies apart from traditional whole-life insurance.  Policy Loans and Their Advantages: American family spends about 34.5% of their lifetime income on interest payments to outside entities. By using policy loans instead, policyholders can keep that money within their own "ecosystem." These loans can be used for significant expenses like buying cars, paying for children's weddings, purchasing a second home, financing a mortgage, taking vacations, or even charitable giving. The main advantage is that money in the policy continues to grow and compound even while being used for these purchases, avoiding the opportunity cost of paying cash.  IBC is Efficiency and Control: In the ‘protect, then save, then grow' mindset of financial strategy, a whole life policy is the optimal tool for the protection and savings components. From that position of safety, you can more efficiently expand your growth assets by leveraging the power of certainty, liquidity, and control in your policy. The banker (policy owner) makes the rules, and the contractual rights inherent to the whole life policy yield greater flexibility in the banker's quest for optimization. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

What if everything you've been told about retirement planning is based on outdated assumptions? Brian and Hans challenge the status quo of financial planning. Why are over 50% of people with 401(k)s unable to retire on those funds alone?  They dissect the concept of "stress testing" your financial strategy - a process that most advisors overlook. Why is having a well-informed, comprehensive plan so crucial in today's economic landscape? And how can rethinking traditional retirement methods lead to greater financial security? From the power of guaranteed cash flow to the importance of legacy planning, learn why focusing on certainty rather than just accumulation could be the key to your financial freedom.  A well-informed strategy is critical: Your financial strategy should be thoroughly understood and stress-tested against various scenarios. This ensures you're confident in your plan's ability to weather economic storms and still meet your long-term goals. Rethinking traditional retirement planning leads to better outcomes: Conventional wisdom about qualified retirement plans and the "magic number" for retirement may be flawed. By focusing on guaranteed cash flow rather than just accumulation, you may need less saved than you think to retire comfortably. Incorporate guarantees for a solid strategy: A robust financial plan should include elements that offer certainty, such as guaranteed income streams. This helps protect against market volatility and economic uncertainties, giving you peace of mind about your financial future. Long-term thinking and legacy planning: By extending your financial strategy beyond your own retirement to consider multi-generational wealth, you can create a lasting impact. Tools like whole life insurance can play a crucial role in this long-term planning, offering benefits that extend well beyond your lifetime. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Why do the ultra-wealthy play by different financial rules? Because they create the rules for both us and them. Brian and Hans discuss policy loans, a cornerstone of the Infinite Banking Concept that most financial advisors never mention. What exactly happens when you borrow against your own life insurance policy, and why is it more powerful than any other lending mechanism? They unpack how policy loans can provide unparalleled financial flexibility, allowing you to access capital without the red tape of banks or the prying eyes of lenders. Learn how smart investors are using this to fund real estate deals, start businesses, or create generational wealth - all while their original capital continues to grow uninterrupted. In this episode Policy loans offer unparalleled flexibility and control: Policy loans from whole life insurance policies allow you to access your money without underwriting, questions about usage, or set repayment schedules. This gives you significant financial flexibility and control over your capital. Policy loans have unique repayment advantages: Unlike traditional loans, 100% of policy loan repayments go toward the principal. Interest is calculated separately and added to the loan balance annually. This structure can make policy loans more efficient than traditional amortized loans. Policy loans don't interrupt the growth of your cash value: When you take a policy loan, your cash value continues to grow uninterrupted. The loan is made against your cash value as collateral but doesn't actually withdraw from it, allowing for continuous compound growth. Policy loans can be a powerful tool for wealth building: By using policy loans strategically (e.g., for investments or major purchases), you can potentially create a "multiplication effect" where your money works in multiple places simultaneously. This can be more efficient than traditional saving or borrowing methods. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Claim your free guide on smart tax planning and Infinite Banking Concepts (IBC)! Start keeping more of your earnings to maximize your financial growth! https://taxsherpa.com/remnant Neal McSpadden from Tax Sherpa joins us to discuss taxes, wealth preservation, and economic policy. What does it mean when politicians like Kamala Harris throw around terms like "unrealized capital gains tax" or "price controls," and how does it impact your financial future? We unpack how proper tax planning can save business owners tens of thousands of dollars annually and shed light on proposed policies that could dramatically alter the financial landscape for investors and entrepreneurs alike. This episode pulls back the curtain on the hidden "inflation tax" that's silently eroding your wealth, and introduces alternative strategies like the Infinite Banking Concept that you may have never considered. We challenge what you think you know about building and preserving wealth in today's economy. ➡️ The Tax Planning Imperative: Proper tax strategies for business owners and independent contractors can lead to dramatic savings. Many are unaware of legal methods to significantly reduce their tax burden. This oversight can cost tens or even hundreds of thousands of dollars over time. Implementing smart tax planning is not just about savings - it's about preserving wealth and fueling future growth. ➡️ The Unrealized Capital Gains Tax Threat: The proposed tax on unrealized capital gains is a potentially devastating policy. It could force asset sales, create severe liquidity issues, and unfairly tax "paper gains" that may never materialize. This approach fails to account for market volatility and could significantly hinder long-term wealth accumulation, especially for business owners and investors. ➡️ The Hidden Inflation Tax: Government monetary policy and unchecked spending are driving a stealth tax through inflation. The continuous creation of fiat currency erodes purchasing power over time. This "inflation tax" hits all income levels but is especially punishing to savers and those on fixed incomes. Understanding and hedging against this hidden wealth erosion is crucial for long-term financial planning. ➡️ The Power of Alternative Wealth Strategies: Relying solely on traditional investment vehicles and the conventional financial system exposes you to significant risks. Strategies like the Infinite Banking Concept (IBC) using properly structured whole life insurance provide guaranteed growth, tax advantages, and put you in control of your capital. Unlike market-based investments, IBC allows for uninterrupted compound growth, shields your wealth from market volatility, and offers unique financial flexibility. Connect with Neal from Tax Sherpa https://taxsherpa.com https://www.linkedin.com/in/neal-mcspadden/ https://www.youtube.com/@NealMcSpadden Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

You've probably heard someone say, "The market averages 12% returns over the long term." In this episode, Brian and Hans tackle why this is an extremely misleading metric that can lead to unrealistic expectations about wealth growth. Using real-world examples, they demonstrate how the average rate of return fails to accurately predict investment outcomes. Not only can this metric not be used for future return projections, but it does not even accurately reflect the actual returns over the time span from which the numbers were derived! Also absent in most financial projects are the eroding factors that can significantly reduce actual returns, such as taxes, fees, and portfolio churn. This episode will challenge what you think you know about market returns and offer a fresh perspective on building long-term wealth. The Average Rate of Return Fallacy: The average rate of return is a misleading metric for financial planning. It fails to accurately reflect real investment outcomes because it doesn't account for the sequence of returns, particularly washing out the impact of negative years. This can lead to significant overestimation of future wealth. The True Impact of Losses: Even a few negative years can dramatically impact long-term wealth accumulation. A 50% loss requires a 100% gain just to break even. This underscores the importance of protecting your capital and seeking financial vehicles that offer uninterrupted compound growth, rather than chasing high but volatile returns. Hidden Erosion Factors: Beyond market performance, factors like management fees, taxes, and unexpected life events can significantly reduce actual returns. These are often overlooked in traditional financial projections but can have a substantial impact on long-term wealth accumulation. Prioritize Certainty and Control: Instead of relying solely on speculative market returns, seek out financial strategies that offer more guarantees and put you in control. Consider incorporating tools like properly structured whole life insurance that provide consistent growth, tax advantages, and financial flexibility. Remember, you only get one shot at this - make it count by focusing on certainty rather than chance. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

In this episode, Infinite Banking Concept Authorized Practitioners Brian Moody and Hans Toohey discuss conventional investment wisdom that they no longer buy into. They critique the unspecific yet incessant advice to "buy the dip," “the market is on sale,” on every downturn, arguing that it lacks any semblance of technical analysis and ignores crucial factors like taxes, fees, and inflation. Federal Reserve policies have inflated asset prices, creating a disconnect between market performance and actual economic productivity. They illustrate the risks of market-dependent retirement plans using historical data, demonstrating how early market downturns can devastate retirement savings.When financial planning, prioritize wealth protection and optimal savings before focusing on growth. Hans and Brian argue that this method creates a more robust financial strategy that is less vulnerable to unexpected life events or economic changes.​Question blanket investment advice: Be wary of general recommendations like "always buy the dip." Such advice often overlooks crucial factors including taxes, fees, inflation, and your personal financial situation. Instead, seek out more nuanced, personalized financial strategies that consider your specific circumstances and goals.​Plan for market volatility in retirement: Understand that market downturns, especially early in retirement, can significantly impact your savings. Develop a strategy to mitigate the sequence of returns risk. This might involve maintaining a cash buffer, adjusting withdrawal rates, or using alternative income sources during market downturns.​Diversify with non-correlated assets: Non-correlated assets, such as whole life insurance, should be incorporated into your financial portfolio. Whole life insurance, when used for the infinite banking concept, can be used to control the banking function in your life. It can also provide a buffer against market volatility and offer more financial flexibility, particularly during retirement. They can serve as a stable source of funds when you don't want to sell investments in a down market.​Prioritize protection, then savings, then growth: First, ensure you have adequate protection against life's risks (through insurance and emergency funds). Then focus on building savings. Only after these foundations are in place should you concentrate on growth-oriented investments. This approach can create a more robust financial strategy that's better equipped to weather unexpected events or economic changes. There is no point in accumulating a large nest egg when it can be destroyed in an instant by the many eroding factors that relentlessly pursue capital generation.Got Questions? Reach out to us at info@remnantfinance.com⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE 

Hans Toohey, former Navy helicopter pilot, traded his flight suit for a mission to revolutionize personal finance. In this episode, Hans shares how his experience at a liberal Ivy League University, Harvard Kennedy School, and his stance against the COVID-19 vaccine mandate became unexpected catalysts for questioning mainstream narratives. Hans' refusal of the vaccine mandate resulted in unfair punishment from the Navy. He was immediately grounded from flying and relegated to idle assignments for about two years. This led him to stand firm in his convictions and dive deep into unconventional financial strategies like the Infinite Banking Concept (IBC).  If you're ready to challenge the status quo, take control of your financial destiny, and explore wealth-building methods that big institutions don't want you to know about, this episode is a game-changer. Challenge the Status Quo: Don't accept conventional wisdom at face value. Actively question mainstream ideas in finance, health, and career. Seek out alternative perspectives and form your own informed opinions. Adapt To Unexpected Challenges: Hans's experience with the COVID-19 vaccine mandate demonstrates how unforeseen events can disrupt career plans. Be flexible and willing to pivot when faced with obstacles. Commit to Lifelong Learning: Never stop educating yourself. Actively seek out new information and ideas, especially those that challenge your current beliefs. Be open to changing your mind when presented with compelling evidence or theories. Take Charge of Your Finances: Don't passively follow institutional financial advice. Educate yourself about various financial strategies, including alternative ones like the Infinite Banking Concept. Make informed decisions that align with your personal goals and values, and actively manage your financial future. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Meet Brian Moody, Air National Guard pilot turned financial educator. In this episode Brian shares his life story; How he went from thinking about his finances like most people to embracing the IBC. Brian talks about how the COVID-19 vaccine mandate threatened his military career, leading him to stand firm in his convictions and explore alternative financial strategies. If you're ready to take control of your financial future and create lasting wealth that no bank or big institution can threaten, this episode is a must-listen.  Standing Up for Convictions: Brian's experience with the COVID-19 vaccine mandate in the military highlights the importance of standing firm in one's beliefs, even when faced with significant personal and professional risks. The Power of the Infinite Banking Concept (IBC): Discovering IBC through Nelson Nash's book "Becoming Your Own Banker" transformed Brian's approach to personal finance, leading him to implement it for his family and eventually build a business around teaching it to others. Breaking Generational Cycles: A pivotal moment with his dying father made Brian realize the impact of generational trauma and the importance of breaking negative cycles, both emotionally and financially. This realization, combined with IBC, motivated him to change his family's financial legacy. Rethinking Retirement and Wealth Building: Brian challenges conventional notions of retirement and wealth accumulation, emphasizing the importance of continuous value creation, generational wealth through IBC, and aligning core values with one's spouse for long-term financial success. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

You might not realize it, but you're playing financial chess against three powerful opponents: financial institutions, the government, and corporations. These entities strive to keep your money as long as possible while returning as little as they can. Until you step away from “Conventional Financial Planning” you'll never be guaranteed to win. Financial Stockholm Syndrome is what happens when people paradoxically defend systems that are working against their best interests because it's what they've been told. It's time to rethink your thinking about financial physics. We know your 401(k)s and conventional financial planning growth assets benefit financial institutions immensely, have you considered why they want you in those products? Qui bono?  In this episode, Brian and Hans discuss how you can start prioritizing cash flow over net worth and enjoy the fruits of your labor today, rather than waiting decades.   Your Financial Opponents: Financial institutions, like banks and investment firms, aim to keep your money for as long as possible, benefiting from products like amortized loans and 401(k)s. The government acts as a significant player through taxation and regulation, creating obstacles to which they offer minor concessions that may not truly benefit individuals. Corporations participate in this system through tax-incentivized programs. Conventional Financial Advice: Is the "save for retirement" mindset a good strategy? Qualified plans often benefit financial institutions and the government more than individuals while they defer your taxes and tie up money in illiquid investments. Rethink focusing on net worth over cash flow, in blindly trusting financial institutions, and in having a hands-off investing approach.  Financial Stockholm Syndrome: A phenomenon where people staunchly defend traditional financial systems and advice that may not serve their best interests. This stems from a lack of awareness about alternative strategies, trust in established institutions, and fear of deviating from financial norms. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Your policy design affects how fast your cash grows and the degree of early capital accessibility. In the first of a recurring ‘Under the Hood' series, Hans and Brian dive into the often misunderstood concept of Policy Design—the structure and components that make up your whole life insurance policy. While many people view insurance premiums as just an expense,  it is more accurate to think of premium into the policy as moving from a less efficient vehicle to an optimal savings vehicle. This ‘cash value,' is accounted for as an asset, which enjoys extremely favorable tax benefits in addition to first line secured creditor access rights. Understanding policy mechanics helps you make informed decisions about premium allocation to boost the efficiency of your whole life insurance policy. An intentionally strucutred ratio of base premium to paid-up additions (PUAs) can provide both long-term growth and early cash value accessibility. Maximizing the potential of your policy through proper design is both a powerful financial strategy now as well as a way to secure your family's financial future. Learn how to ensure your policy is aligned with your long-term financial goals: Base Premium vs. Paid-Up Additions (PUAs): The structure of a whole life policy involves a balance between base premium and PUAs. Base premium builds the foundation of the policy, while PUAs provide early cash value growth and accessibility. Long-Term Thinking: Proper policy design requires long-term thinking. While PUAs provide immediate cash value, a strong base premium yields greater efficiency and growth in later years. Customization: Policy structure should be tailored to individual needs and goals. Factors like age, financial objectives, and time value of money play crucial roles in determining the optimal balance between base premium and PUAs. Cash Value Accessibility: A well-structured policy allows for immediate cash value accumulation through PUAs, making funds more accessible for the Infinite Banking strategy without sacrificing long-term growth potential. Premium as an Asset: Unlike term insurance, whole life insurance premiums should be viewed as purchasing an asset rather than an expense (which is why banks and corporations stack the asset column of their balance sheet with whole life cash value). The policy's cash value remains accessible and grows contractually guaranteed over time, providing both protection and a financial tool for implementing the Infinite Banking Concept. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Is whole life insurance really a scam? In this episode, Brian and Hans read through and discuss an actual conversation they had and explore the often-repeated challenges to whole life and the infinite banking concept (IBC). While many financial gurus dismiss whole life insurance, there's more to the story than meets the eye. Whole life insurance is a powerful savings vehicle, not just an insurance product. This distinction is crucial for understanding its true value in your financial strategy. For example, a $500,000 whole-life policy isn't just about the death benefit. It's a contractual asset that grows guaranteed over time, potentially outpacing inflation and offering unique tax advantages. The hosts explain how this works and why it matters for long-term financial planning. Brian and Hans also address the concept of "human life value" - the idea that your future earning potential is your most valuable asset. They explain how whole life insurance protects this value, offering your family financial security and peace of mind. Tune in to learn why whole life insurance and IBC might be the missing pieces in your financial puzzle.  Key Takeaways: Historical Performance: Whole life insurance has a long-standing track record of reliability. With 100-200 years of consistent performance and no defaults on American policies, this history demonstrates the product's stability and the industry's ability to meet its obligations, even through various economic cycles and crises. Contractual Obligation: Whole life insurance is a legally binding contract between the insurer and the policyholder. This means that the insurance company is legally obligated to fulfill the terms of the policy. The contractual nature provides a level of security and predictability that no other financial product can match. Regulatory Oversight: The insurance industry, including whole life insurance, is heavily regulated and backed by government oversight. This regulatory framework provides additional protection for consumers and ensures that insurance companies maintain sufficient reserves to meet their obligations. There is no ‘bank run' equivalent to an insurance company. Misunderstandings: Many criticisms of whole life insurance come from misunderstandings about how it works. People often compare it to investments rather than seeing it as a savings and protection vehicle from which you can invest more optimally. Brian and Hans also address misconceptions about cash value accessibility and the long-term nature of the product. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

What exactly is your Economic Life Value and why does it matter? In this episode, Hans Toohey and Brian Moody delve into the often overlooked concept of Economic Life Value—your potential financial contribution over the course of your working life. While your intrinsic worth as a person is immeasurable, there is a tangible monetary value to your ability to earn, which can be insured. This value, known as Human Life Value, represents a significant asset, more important than tangible assets like homes or vehicles. For instance, a 25-year-old earning $100,000 annually has the potential to generate $4 million over a 40-year career. This calculation forms the basis for potential insurance coverage, underscoring the importance of maximizing this to safeguard your family's financial future. Personal development and strategic investments in oneself can boost one's Economic Life Value. Maximizing insurance coverage is both a financial strategy and a moral obligation to those who have families dependent on them. Tune in to learn how recognizing and insuring your Economic Life Value can offer security and stability for your loved ones, and why it's crucial to ensure this asset is fully protected. Differentiating Economic and Intrinsic Value:  There's a difference between a person's intrinsic value, which cannot be measured monetarily, and their Economic Life Value, which is the potential income one can generate over their career. This Economic Life Value can be insured, representing the monetary value of one's ability to earn. Importance of Maximizing Insurance Coverage: It's crucial to maximize life insurance coverage to match one's Economic Life Value. This ensures that in the event of an untimely death, one's family remains financially secure, and can provide the monetary value of their income even if they are no longer around to earn it. Investment in Self: Invest in personal development to increase one's Economic Life Value. Investing in education, skills, and mindset can lead to higher income potential, which, in turn, can and should be protected through appropriate insurance coverage. Moral Responsibility to Family: It's not just a financial strategy but also a moral obligation to secure life insurance that reflects one's full Economic Life Value. This ensures that dependents are not left in a precarious financial situation, aligning with the broader responsibility of providing for one's family even in one's absence. Resources Mentioned: Economic Life value video: https://oneamerica-3.wistia.com/medias/mo0psuy409 ELV Calculator(scroll down to bottom of this page to find calculator pop-up link): https://www.oneamerica.com/individuals/offerings/life-insurance-products/whole-life Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Whole life insurance can transform your financial strategy beyond just death benefits. Brian Moody and Hans Toohey discuss the versatility of whole life insurance as more than just a safety net after death. Whole life insurance policies provide control and flexibility under a unilateral contract. It's important to choose reputable companies, particularly mutual companies that share profits with policyholders, enhancing the benefits of these policies. These policies benefit from guaranteed growth, independent of market conditions, and provide safety as one of the most secure financial vehicles available. Hans discusses the concept of uninterrupted compound interest, describing how whole life insurance ensures a consistent return, free from market volatility. Hans and Brian also talk about the liquidity aspects of whole life insurance; policy loans offer a unique form of financial flexibility, allowing policyholders to access funds without the usual constraints or penalties associated with other financial products. Whole life insurance offers other benefits, including tax advantages, inflation resistance, and creditor protection. Brian and Hans explain how these policies can serve as a reliable source of passive income in retirement, offering tax-free withdrawals and providing a financial safety net for policyholders and their beneficiaries. Listen to learn more about how whole life insurance can be a powerful component of your financial strategy, offering security, growth, and flexibility. Key Takeaways:   Whole Life Insurance as a Savings Vehicle: Whole life insurance, particularly from mutual companies, can be an excellent savings environment with over 20 beneficial attributes, making it more efficient than standard savings accounts or money market accounts. Tax Advantages and Asset Protection: These policies offer tax-free growth, tax-free access to cash value through loans, and tax-free transfer of the death benefit to beneficiaries. They also provide creditor protection in most states, shielding both cash value and death benefits from lawsuits and creditors. Flexibility and Control: Policyholders have significant control over their policies, including flexible loan provisions without underwriting, unscheduled loan repayments, and the ability to change beneficiaries or transfer ownership easily. Inflation Resistance and Market Volatility Buffer: Whole life insurance policies are designed to be inflation-resistant, with level premiums becoming easier to pay over time in inflationary environments. They can also serve as a buffer against market volatility, allowing policyholders to access cash value during market downturns instead of selling depreciated assets. Resources Mentioned  Creditor Protection by State: https://www.insuranceandestates.com/life-insurance-creditor-protection-by-state/ Got Questions? Reach out to us at info@remnantfinance.com Learn more about Remnant Finance and IBC at https://www.remnantfinance.com FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Is whole life insurance a valuable financial tool or just an expensive mistake? On this episode, Hans Toohey and Brian Moody tackle the most common myths about whole life insurance.  They address the misconception that life insurance is only beneficial after death, explaining how whole life insurance, unlike term insurance, offers ongoing advantages through both death benefits and living benefits. Properly structured whole-life policies can provide earlier access to cash value than most people realize. This feature, combined with unique benefits like tax advantages and guaranteed growth, makes whole life insurance a versatile component of a comprehensive financial strategy. Hans and Brian stress the importance of long-term financial planning and highlight how whole life insurance can benefit policyholders both during their lifetime and after death. They guide listeners through the concept of becoming their own banker, encouraging a fresh perspective on financial management. Tune in to discover how whole life insurance and the Infinite Banking Concept could reshape your approach to personal finance and help you take control of your financial future. Key Takeaways:   Understanding Whole Life Insurance: Recognize that whole life insurance is primarily a savings vehicle, not an investment. It offers unique benefits that differ from both traditional investments and term insurance, including guaranteed growth and robust tax advantages. Living Benefits of Whole Life Insurance: Contrary to the misconception that life insurance is only useful after death, whole life policies offer valuable living benefits. These include access to cash value, which can be used as a financial tool during your lifetime. Long-Term Financial Planning: Whole life insurance is designed as a long-term financial tool. It provides significant benefits over time, including the potential for generational wealth transfer and financial flexibility throughout your life. Cash Value and Death Benefit Relationship: Understand that the cash value and death benefit in a whole life policy are not separate entities. The cash value represents the current value of the future death benefit, growing over time as you pay premiums. Policy Structure and Growth: Properly structured whole-life policies can provide earlier access to cash value than commonly believed. This makes them more versatile and useful as a financial tool, countering the misconception that cash value growth is always slow and inaccessible. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

The Infinite Banking Concept allows people to utilize capital for security and growth without diminishing principal. This is essential for managing financial life cycles effectively, as it addresses America's critically low savings rate despite being the highest income earner globally. In this episode, Brian and Hans discuss the fundamental problem of financing everything we purchase and how Infinite Banking can mitigate this by keeping your cash engaged and growing. They emphasize the importance of understanding the difference between saving and investing, with saving focused on preserving principal against risk and investing aiming for potential high returns but with associated risks. Your role in financially educating your family and taking control of your finances is as vital as ever. Once you stop taking a backseat, you can start strategically using life insurance policies to maintain liquidity and ensure long-term financial security. Take control of your financial destiny by becoming your own banker. Key Takeaways:   The Power of Liquidity and Control: Understand the significant advantages of keeping your money liquid and under control. Using strategies like Infinite Banking can help you ensure that your money is safe and continuously working for you, allowing for access without compromising the growth of the principal. The Difference Between Saving and Investing: Differentiate your financial strategies between saving (protecting and preserving capital) and investing (seeking returns with associated risks). This understanding will help you make more informed decisions about allocating your funds effectively to achieve security and growth. Utilize Whole Life Insurance as a Financial Tool: Consider whole life insurance policies, particularly from mutual insurance companies, as a strategic component of your financial plan. These policies can provide liquidity, control, and continuous compounding of interest, aligning with the principles of Infinite Banking and helping you grow and protect your financial assets. Prioritize Financial Education and Control: Take charge of your financial education and manage your money. By becoming knowledgeable about how money works and managing it effectively within your own 'banking' system, you can reduce reliance on traditional financial institutions and create a more secure financial future for yourself and your family. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE 

Remnant Finance aims to revolutionize how you think about money. What's Infinite Banking? It's a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations.  Your hosts, Brian Moody and Hans Toohey, veteran pilots and authorized practitioners from the Nelson Nash Institute, will walk you through the nuts and bolts of Infinite Banking in a real, engaging, informative, and applicable way.   They're not just here to throw facts at you; They want to help you craft a plan that fits your life and gets these strategies working for you. Expect to hear about setting up policies, managing your finances actively, and building a legacy of wealth. And yes, this podcast is a two-way conversation. Got questions? Don't be shy and reach out  Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE