Podcasts about IBC

Who The Fook Are These Guys?

Play Episode Listen Later Jul 10, 2026 60:47

Schedule with Scott: https://callosborn.comBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans welcomes back Scott Osborn, a retired Army officer turned financial planner who specializes in working with airline pilots, for a conversation about behavior, compounding, and why going conservative too early (or at the end) might be the most expensive mistake in retirement planning.They dig into what makes the airline pilot compensation structure unique, why average rate of return is a red flag that means nothing, and how the dollar milkshake theory explains a strong dollar even as Congress drives deficit spending off a cliff. From there they get into the math of compounding, including the magic penny example where losing a single day at the end costs you $2.6 million, and why a real plan with five to seven years of safe income lets you keep your growth assets ripping instead of chopping off the most valuable years of the curve.Chapters: 00:00 – Opening segment 02:40 – Why airline pilots need specialized planning 04:50 – Headwinds, tailwinds, and fixing behavior first 06:15 – Market timing and the "market is too expensive" trap 07:25 – Optimism is the only realism 08:40 – "This time is different" is the bait that ruins investors 10:00 – Why average rate of return means nothing 11:55 – The dollar milkshake theory explained 18:15 – True diversification is across asset classes, not sectors 18:40 – IBC and the collapse of the dollar: hedging against being wrong 24:00 – Reality will keep slapping your predictions in the face 27:00 – Bad life insurance advice is dished out freely 33:15 – Maximize fixed income to keep equity allocation high 33:50 – The real multiplier math: 12x at 10 years, 66x at 30 38:45 – The magic penny: losing day 30 costs you $2.6 million 42:30 – Five to seven years of safe income keeps you aggressive 43:50 – Market at all-time highs while everyone feels uneasy 47:10 – Dry powder: going conservative with new money only 48:05 – A mortgage from 2000 and what 2050 will look like 52:15 – The K-shaped economy and playing the rules as written 58:30 – Closing segmentKey Takeaways:Average rate of return means nothing. Volatility, sequence of returns, and inflation all destroy the simple spreadsheet math of dragging 8% across cells. Build a robust portfolio for total lifetime return instead of chasing an annual average.The last years of compounding are the most valuable, so don't chop them off. A penny doubled daily hits $5.3 million in 30 days, but losing just day 30 costs you $2.6 million. Target date funds that dial down growth near retirement are cutting the curve at its steepest point.Preservation without a plan is its own loss. A 63-year-old who went to all cash out of fear missed out on roughly $1 million of growth in two years. His account never went down, but it went down from what it should have been.Five to seven years of safe income is the unlock. Between IBC policy cash value, cash savings, and conservative new contributions, you can weather the worst market stretches without selling equities at a loss, which lets you stay aggressive for a long, long time.Everyone who bet on the dollar collapsing has been wrong so far. Gold, raw land, and the fortified homestead all require dollars to acquire. Hedge against being wrong by optimizing your dollar acquisition and preservation either way.

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The Top Infinite Banking Questions Everyone's Asking — Answered (Ep. 277)

Without the Bank Podcast

Play Episode Listen Later Jul 9, 2026 16:02

Got questions about the Infinite Banking Concept? Tarisa breaks down the most frequently asked questions about IBC — straight answers, no fluff. In this episode of the Without the Bank Podcast, Tarisa covers everything from insuring your kids first and legacy coverage, to what happens if you miss premiums, how cash value actually grows uninterrupted even while your money is out on a loan, and how to read your policy illustrations like a pro. Whether you're brand new to infinite banking or have been sitting on questions for months — this is the episode for you. Topics covered include: uninsurable family members, age limits for coverage, the truth behind policy loans, and why so many people think infinite banking sounds "too good to be true" — and what the real answer is.

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Can Indian private credit growth hit 30%?

Cloud 9fin

Play Episode Listen Later Jul 9, 2026 29:00

India's private credit market is moving from IBC-era rescue finance to a broader asset class. Performing credit is hot, but complexity-driven capital remains scarce and potentially higher alpha.InCred Alternatives' Ankur Jain, who is a managing director for private credit strategies, tells 9fin APAC reporter Rajhkumar Shaaw about a market that is still only about $25bn-$30bn in AUM, or 0.6% of GDP, but growing at roughly 25% CAGR.Jain also unpacks India's private credit boom, why global macro has had limited impact on India-focused borrowers, and how domestic funds and wealth-market co-investments are increasingly challenging foreign investors.Have any feedback for us? Send us a note at podcast@9fin.com. Thanks for listening!

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Ep 219 - IBC 04 Preview

Play Episode Listen Later Jul 7, 2026 81:38

We're back with another massive episode. We're only a week away from the next International Brawling Championship show, so we've got fighters from all 3 title fights on to chat all things IBC and trade some trash talk! There's nothing more exciting than an IBC show. We also do a breakdown of the whole card and get very excited to head to Las Vegas for UFC 329! Hit the download button and step into the cage. Presented by Compa Tequila. Use code FOOK10 for 10% off all orders at Engage.

Interview with Mike Everett – 2026 Edition

Life Success & Legacy

Play Episode Listen Later Jul 6, 2026 49:18

Chris sits down with Mike Everett — founder, leader, el jefe, take your pick — to get into IBC, Nelson Nash, and what’s been happening with LSL. Grab your coffee for this one cause you know an Everett interview is not to be missed! The post Interview with Mike Everett – 2026 Edition appeared first on Life Success Legacy.

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Ep 218 - Viva Fook Vegas

Who The Fook Are These Guys?

Play Episode Listen Later Jul 1, 2026 64:20

We're back with another massive episode! It's only days before we head off to Las Vegas for international fight week, so we breakdown the whole UFC 329 card and get excited for all the surrounding events! Plus we recap last weeks Fight Night Baku, and Julian James from Wrestlerock drops in to tell us all about the latest show happening Friday July 10! Hit the download button and step into the cage. Presented by Compa Tequila. Use code FOOK10 for 10% off all orders at Engage.

The Best Cash-Flowing Assets and How to Build a Portfolio That Pays You

The Money Advantage Podcast

Play Episode Listen Later Jun 29, 2026 50:37

The default wealth-building playbook goes like this: buy something low, hope it's worth more someday, then sell to capture the gain. That's the appreciation model, and it can work. But it's not the only path, and for a lot of business owners and high-income professionals, it's not the most reliable one either. The Money Advantage is built around a different philosophy. Cash flow today is a stepping stone to cash flow tomorrow. Income you receive now compounds, funds the next asset, and stacks on top of what you're already earning, whether or not the underlying value ever moves. https://youtu.be/_ktX62qtXCE This article covers which assets actually produce reliable income, the honest tradeoffs of each, and the sequence in which to build them. That last part is where people most often go wrong. Table of ContentsKey TakeawaysCash Flow vs. Capital Gains: Two Very Different Ways to Build WealthThe Net Investable Income LoopWhat Makes an Asset Worth Owning for Cash FlowKnow Yourself Before You Know the AssetThe Best Cash-Flowing Assets and the Tradeoffs of EachRental Real EstateBusiness OwnershipPrivate Lending and NotesDividend-Paying Stocks and Traded REITsNon-Traded REITsWhy the Order You Build In Is More Important Than the Assets ThemselvesStage 1: FoundationStage 2: ProtectionStage 3: IncreaseThe Hidden Cost of Funding Your InvestmentsWe're Taught Capital Gains. It's Time to Learn Cash Flow.Frequently Asked QuestionsWhat is the difference between cash flow and capital gains?What are the best cash-flowing assets to start with?Is rental real estate really passive income?What does it mean to own a business versus operate one?What is the difference between traded and non-traded REITs?In what order should I build a cash-flowing portfolio?Do I have to be an accredited investor to invest for cash flow?How does Infinite Banking help fund cash-flowing assets? Key Takeaways Cash flow and capital gains are fundamentally different strategies, with different rules and different timelines The best cash-flowing assets offer predictable income, some ability to liquidate, and ideally some underlying growth There are no perfect assets, only tradeoffs Rental real estate, business ownership, private lending, dividend stocks, and REITs each have a place in an income-producing portfolio The order you build in is as important as the assets themselves Cash Flow vs. Capital Gains: Two Very Different Ways to Build Wealth Capital gain: you buy an asset at a cost basis, it appreciates in value, and you sell it. The difference between what you paid and what you sold it for is your gain. To access that money, you have to time the market and sell part or all of the asset. Cash flow: the asset pays you income on a regular schedule, regardless of what the underlying value does. You never have to sell to get the return. That's the core distinction. One requires a sale. The other just keeps paying. Bruce puts it simply: put $100,000 into something generating 12% a year, and you receive $12,000 while keeping the original $100,000. Net worth is now $112,000, and it repeats. With a capital gain, realizing that same $12,000 means selling a portion of the asset and redeploying it somewhere else. The Net Investable Income Loop Rachel frames cash flow in terms of what it does to your total income picture. When an asset produces income, it stacks on top of your earned income. A greater share of your total income can then flow into savings, which buys more assets. That process repeats, capital building incrementally, month after month. A salary arrives monthly, a cash-flowing portfolio can too. You're not waiting for a sale to realize value; you're receiving it continuously, and your liquidity is building the whole time. And the usual end goal of an appreciating asset is eventually to convert it into cash flow, to liquidate it someday and live off the proceeds. Starting the cash flow earlier just gives you the predictability sooner. What Makes an Asset Worth Owning for Cash Flow Three qualities define an ideal cash-flowing asset: Steady, predictable income The ability to liquidate if necessary Underlying growth, so if you do sell, you sell at a gain You rarely get all three at once. As Bruce puts it, drawing on economist Thomas Sowell, there are no solutions, only tradeoffs. Wanting instant liquidity means accepting weaker cash flow, because liquid money can't be committed to a long-term position. This is why we talk about liquidity diversification alongside asset diversification and tax diversification. Some capital should be reachable quickly. Some is committed long-term. Spreading across both means a business (which has very little liquidity) isn't your only holding. Know Yourself Before You Know the Asset Investor DNA, or unique ability investing, is the other half of the equation. Before evaluating any asset, the right questions are: does this match your value system? Does the knowledge required match your expertise, or are you willing to build it? Investing deliberately inside your sphere of knowledge gives you more control, a better read on the risks, and a cleaner exit strategy if you ever need one. "Where do you put your money?" is a question that only makes sense in the context of your goals, your timeline, and your risk tolerance. What works for one person doesn't automatically work for another. The Best Cash-Flowing Assets and the Tradeoffs of Each Rental Real Estate Real estate has more entry points than people often expect: single-family rentals, duplexes, multifamily, commercial space, self-storage, mobile home parks, short-term rentals, and syndications. Each has its own risk profile, capital requirement, and management burden. The goal in any of these is to be cash-flow positive: rent covers the mortgage, and insurance, and taxes, and every operating cost, with a surplus left over. That surplus is your monthly income. Add the tax depreciation side, and rental real estate stacks up as one of the more tax-efficient income-producing assets. The honest tradeoff: there's no truly passive income in rental real estate. Tenants, toilets, and termites are real. Even with a property manager, you're managing a person, and that takes time and attention. Bruce has owned close to a dozen properties and eventually moved away from direct ownership for exactly this reason. DIY versus turnkey is a cost-and-return decision. Doing everything yourself preserves margin. Paying for management reduces your burden but eats into cash flow. Neither is wrong; it depends on how much of your time the asset is worth. Real estate pairs well with Infinite Banking. A policy loan funds the down payment. Rental income repays the loan. The cash value in the policy keeps compounding uninterrupted the entire time, so you're building in two places at once. Business Ownership Operating a business is not the same as owning one. A cash-flowing business pays income without requiring all your time. If every dollar you earn is directly tied to the hour you spent working, that's self-employment, not an asset. The distinction is real, because only one of those is something you can eventually step back from. To move from self-employed to business owner, you need systems, processes, and team. Robert Kiyosaki's cash-flow quadrant makes the point clearly: the right side of the quadrant only works when the business can run without you as the bottleneck. What makes a business valuable is that it's hard. Businesses solve problems people don't want to solve for themselves. Jeff Bezos built Amazon around one insight: people don't want to leave the house for every item they need. The service was obvious in hindsight, painful to build, and enormously valuable precisely because it was. That's the pattern. Treat the business as a business, not a hobby. That means watching expenses, marketing, sustainability, succession planning, taxes, and accounting. Revenue without profitability isn't cash flow. Infinite Banking connects here in several ways: storing liquidity reserves and buffer capital, funding key-man insurance, deferred compensation,, and quarterly tax payments. The policy becomes the business's financial backbone. Private Lending and Notes Private lending means providing capital to a borrower, secured against collateral, at a stated interest rate, paid back as monthly income. Often structured as interest-only, which maximizes the cash flow to the lender. The principal is secured by the underlying asset. Terms vary: a fixed payoff date, a refinance trigger, or a short-term arrangement like a fix-and-flip hard money loan. A short-term flip might carry a 12% annualized rate, but since the loan only runs for four to six months, the actual dollar return is less than the rate suggests. IBC practitioners often use policy cash value for private lending. The borrower's repayments come back, pays down the policy loan, and then the cycle repeats, predictable monthly income from a controlled capital reservoir. The tradeoff: this is the debt side of real estate. Some investors prefer equity, owning a piece of something rather than lending against it. Both are valid; the preference depends on your risk tolerance and how you want to be positioned. Dividend-Paying Stocks and Traded REITs Dividend-paying stocks, like Coca-Cola and UPS, are common examples that pay a stated yield per share, typically quarterly, semi-annually, or annually. You can take the income as cash or reinvest it through a dividend reinvestment program (DRIP), which automatically buys additional fractional shares. Traded real estate investment trusts (REITs) work similarly: a trust holds a portfolio of real estate, rents are collected, and the yield is distributed to shareholders. The tradeoff is real: both carry market correlation....

Linemen Using The Infinite Banking Concept #222 Part 2

Wealth Warehouse

Play Episode Listen Later Jun 22, 2026 30:14

Achieving financial peace of mind is less about your salary and more about your mental approach. Wes Howard switched His financial mindset and started thinking like a banker by practicing The Infinite Banking Concept.Join our FREE Skool -- https://www.skool.com/ibc-community-7282Visit our Website -- https://thewealthwarehousepodcast.com/Chapters00:00 Introduction and Wes Howard's background01:13 Realization of the flaws in IUL and switch to whole life02:05 Early years of implementing IBC and lessons learned12:30 Handling objections and community support20:48 The importance of mindset and continuous education28:37 Legacy, family, and future plansAt Wealth Warehouse, we challenge you to transform your financial future through the principles of the most profitable business in the world: banking.We believe everybody should be involved in two businesses: the business that you're in, and the banking business. Everyday people can replicate what bankers have been doing for centuries to leverage capital and build wealth through private lending. Join us as we uncover the truths about money, expose lies and myths, and flip conventional financial advice on its head.

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Before You Buy: The Questions Every Infinite Banking Practitioner Should Be Able to Answer

The Money Advantage Podcast

Play Episode Listen Later Jun 22, 2026 56:23

Infinite Banking has grown fast. Really fast. And with that growth has come a flood of practitioners, coaches, agents, and advisors all claiming they can help families become their own banker. Some of them are exceptional, some are undertrained, and some are simply using the Infinite Banking label to sell products they were already selling, with a new coat of paint. From the outside, it's genuinely difficult to tell the difference. Their Marketing is polished, and their credentials sound similar. And yet the person you choose to guide you through this process will shape a financial strategy that isn't meant to last a few years. It's meant to last generations. A policy designed today may still be growing in your children's lifetime. That deserves care. https://youtu.be/0jcJDFXixhY What follows is a set of questions every Infinite Banking practitioner should be able to answer before you trust them to design your system. These aren't adversarial questions. A well-trained, experienced practitioner should answer every one of them with enthusiasm, because they demonstrate exactly the kind of long-range, client-centered thinking that separates someone guiding a philosophy from someone selling a product. Table of ContentsKey TakeawaysAre You Practicing Infinite Banking Yourself?Are You an Authorized Nelson Nash Institute Practitioner?Are They Asking the Right Questions About You?Can They Explain the Policy Design and Why?Mutual participating companyDirect vs. non-direct recognitionBase premium vs. PUA ratioThe first five years, honestlyWhich Companies Do They Work With and Why?Can They See Your Whole Financial Life?What Happens After the Policy Is Issued?The Questions to Bring to Your First ConversationThe Right Practitioner Will Welcome Every One of TheseBook a Strategy CallFrequently Asked QuestionsWhat is an authorized Infinite Banking practitioner?How do I know if an Infinite Banking advisor is qualified?What questions should I ask before buying a whole life insurance policy for IBC?Why does it matter if my advisor practices Infinite Banking themselves?What should I expect from an Infinite Banking advisor after my policy is issued?Is Infinite Banking the same regardless of which advisor I use? Key Takeaways Whether a practitioner is actively practicing Infinite Banking themselves is the single most revealing question you can ask. Authorized Nelson Nash Institute practitioners have completed formal training in the philosophy as originally taught; using the IBC label without authorization is worth questioning. Behavior matters more than policy design. A good practitioner asks as many questions about your financial life as you ask them. Policy design fluency, company selection knowledge, and honest discussion of the first five years are all marks of a practitioner who knows what they're doing. Infinite Banking is one piece of a full financial picture. A practitioner who only sees the insurance piece is missing the rest. The relationship doesn't end when the policy is issued. It's just beginning. Are You Practicing Infinite Banking Yourself? This is the most important question on the list. Not "do you have a whole life policy." Most insurance agents do. The question is whether they actively practice Infinite Banking in their own financial lives. There's a meaningful difference between the two. An agent who holds a whole life policy primarily for death benefit coverage is still thinking in product terms. A practitioner who is intentionally capitalizing policies, taking policy loans to fund investments or opportunities, repaying those loans, and systematically growing a network of policies over time is living the philosophy. You can follow what someone's life demonstrates. Believing what they say is a different thing entirely. Bruce has been capitalizing since his father opened a policy on him as an infant. That's not a credential. It's evidence of a practitioner who thinks about capital the way the Infinite Banking Concept requires. When I talk about our family banking system, I'm not speaking in theory. I'm reporting what's actually happening in our financial life. A practitioner who truly owns this will go further than confirming they have a policy. They'll be able to tell you which policy loan they most recently funded, how many policies they are running, and how they think about repayment. The follow-up question to ask: How are you using your cash value right now? What did you most recently capitalize? If those questions produce vague answers, that tells you something. Are You an Authorized Nelson Nash Institute Practitioner? Nelson Nash developed the Infinite Banking Concept and wrote Becoming Your Own Banker. The Nelson Nash Institute trains and authorizes practitioners in the philosophy as he originally taught it. Authorization means completing the Institute's training program. It's not a license in the regulatory sense, but it sets a minimum floor of both knowledge and philosophical alignment. The IBC term carries a copyright. And yet many agents use "Infinite Banking Concept" or "IBC" in their marketing without the Institute's authorization. That raises a fair question: why wouldn't they simply get authorized? Nelson said that the only limit to Infinite Banking is imagination, but he also gave guidelines. The flexibility he intended has led some practitioners to strip away those guidelines entirely and declare that any whole life policy you can borrow against constitutes IBC. Bruce calls this oversimplification. It produces policies that look like Infinite Banking on the surface but don't function like it in practice. The design is there; the philosophy isn't. Authorization is a meaningful bar. It's not the only bar, and there are levels of competency even among authorized practitioners. But a practitioner who markets themselves using intellectual property they've chosen not to be authorized in is worth questioning before you go further. Are They Asking the Right Questions About You? Nelson Nash said it himself: behavior is more important than policy design. A practitioner who truly understands this will spend as much time asking about your financial life as you spend asking about theirs. If the first question you're asked is "how much do you want to put in each year," and then they produce an illustration based on that number, that's not due diligence. That's taking an order. Think about what you'd expect from a commercial bank. If you walked in asking for a $50,000 loan and the banker just transferred the money without asking about your income, your assets, or your ability to repay, you'd be alarmed. And yet that's what some practitioners do for people who are trying to become their own banker. The institution they're helping you replace operates with far more rigor than they're applying to the process. Or consider what you'd expect from a physician. A doctor who hands you a prescription the moment you name a medication, without examining you or understanding your history, isn't practicing medicine. They're taking orders. A practitioner who quotes you an illustration before understanding your full financial picture is doing the same thing. A practitioner asking the right questions will want to understand your income and how it flows, where your money currently sits, your existing insurance and protection picture, any anticipated income changes or windfalls, your tax situation, and your estate and legacy goals. And that's not a one-time conversation. A good practitioner commits to reviewing all of it at a minimum once a year, because life changes, and the policy needs to change with it. Can They Explain the Policy Design and Why? This section covers the technical fluency a practitioner should demonstrate. You don't need to become a policy design expert. But you should know what depth of answer to expect. Mutual participating company This is the non-negotiable starting point. Universal life policies, including indexed universal life, carry no guarantees. Whole life from a mutual, participating company is the foundation. Participating means you share in the profits through a dividend. A practitioner who is unclear on why that matters, or who offers IUL as an alternative vehicle for Infinite Banking, is not operating from Nelson's philosophy. Direct vs. non-direct recognition Non-direct recognition companies credit the same dividend regardless of outstanding loans. Direct recognition companies reduce the dividend on the loaned portion. For active Infinite Banking practitioners who borrow regularly, this distinction is important, especially when a loan carries over from one year to the next and compounds against a smaller dividend. Non-direct recognition is our preference, and it's one of the clearer signs that a practitioner is thinking about how the policy will actually function in use. Base premium vs. PUA ratio Paid-up additions, or PUAs, allow you to pour additional capital into the policy and build cash value faster in the early years. A lower base with heavy PUAs can look attractive on a short illustration. But a higher base creates a larger permanent death benefit and a higher dividend over decades. You can read more about how whole life dividends work and what affects them. That dividend compounds into more cash value over a lifetime. The deeper principle: a practitioner who designs defensively, minimizing the base "in case you can't pay," is building behavioral uncertainty into the structure from day one. A practitioner who helps you think about how much you can capitalize, rather than the least you need to commit, is operating from the philosophy. Over 40 years of consistent funding, the lower base policy can outperform. But the moment funding falters, and it will because life is not a spreadsheet,...

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#147. Brivaël Le Pogam - Argil.AI - Y COMBINATOR, XAVIER NIEL, ANDREESSEN HOROWITZ : Les Coulisses d'une Start-up IA Française qui Monte au Niveau Mondial

Play Episode Listen Later Jun 22, 2026 135:40

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/À 15 ans, Brivaël Le Pogam gagnait entre 1 500 et 2 000 dollars par mois avec un jeu en ligne qu'il avait codé seul.Personne ne le sait.Aujourd'hui, il est co-fondateur et CTO d'Argil.ai — une start-up Y Combinator qui permet à n'importe qui de se cloner en vidéo grâce à l'IA, de parler dans n'importe quelle langue, sans studio, sans équipe, sans caméra.Mais ce qui m'a le plus frappé dans cette conversation, c'est pas la technologie.C'est comment il pense.Brivaël n'utilise pas l'IA comme un outil de délégation. Il l'a construite comme une extension de lui-même — des agents entraînés sur sa façon de raisonner, d'argumenter, de répondre. Sa bio sur X dit littéralement : "soit moi qui écrit, soit mes agents."Dans cet épisode de Débrouillard, il raconte tout :→ Comment il a reverse-engineeré la technologie deepfake vidéo avec une équipe de trois personnes→ Pourquoi Marc Andreessen a retweeté sa démo à 2h du matin — et ce que ça a changé→ Deux pivots douloureux, 70 000 inscrits brûlés, et comment il a trouvé le vrai founder-market fit→ Sa thèse sur l'IA : on est encore au stade de la CLI des années 70 — la vraie révolution n'a pas commencé→ La différence entre utiliser l'IA comme béquille et l'utiliser comme levier→ Pourquoi il pense que la prochaine génération de créateurs va produire le futur Star Wars depuis leur chambreUn épisode dense, technique, et résolument contre-courant.▬▬▬▬▬▬▬▬▬

Optimal Infinite Banking Policy Design

DURHAM TALENTS CHANNEL

Play Episode Listen Later Jun 22, 2026 103:24

What does optimal Infinite Banking policy design actually look like?Round Table #20 In this roundtable discussion, Authorized Infinite Banking Concept Practitioners explore the principles, tradeoffs, and design considerations behind properly structured whole life insurance policies used to implement the Infinite Banking Concept (IBC) as taught by R. Nelson Nash in his classic book, Becoming Your Own Banker.Whether you're new to Infinite Banking or already building your own personal banking system, this conversation will help you better understand the thinking behind effective policy design and why structure matters when creating long-term financial independence and autonomy.In this discussion, we cover:✔️ The principles of sound Infinite Banking policy design✔️ Common misconceptions about whole life insurance and IBC✔️ Premium allocation and policy efficiency considerations✔️ Liquidity, cash value growth, and long-term performance✔️ Balancing present-day access with future opportunities✔️ How policy design affects your ability to become your own banker✔️ Building multi-generational wealth and leaving a lasting legacyAs an Authorized Infinite Banking Concept Practitioner and licensed insurance agent, I help individuals, families, and business owners across the United States implement the Infinite Banking Concept to create greater control over their finances, eliminate dependence on traditional lenders, and build a legacy that can benefit future generations.The Infinite Banking Concept is not a product. It is a process of thinking differently about money, capital, financing, and stewardship. This channel is dedicated to helping people understand and apply the principles taught by R. Nelson Nash so they can live more intentionally and leave a lasting legacy.If you're interested in Infinite Banking, whole life insurance, cash value life insurance, family banking, wealth building, financial independence, or legacy planning, be sure to subscribe and join the conversation.

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Dios quiere que insistas - Pr. Pedro da Cunha

Play Episode Listen Later Jun 22, 2026 60:23

Predicado en el culto matutino del 21 de junio del 2026 en la Iglesia Bautista Cristiana

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#145. Martin Beauval - ConciergElite - DE CAISSIER À 37 PROPRIÉTÉS AIRBNB : Comment Martin Gagne 250-400K€/MOIS à 25 ans

Play Episode Listen Later Jun 21, 2026 79:52

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/Martin Beauval a 25 ans. À 19 ans, il était caissier chez Auchan.Aujourd'hui, il supervise un groupe d'activités qui génère entre 250 000 et 400 000€ par mois.Le point de départ : un crédit étudiant utilisé pour acheter 16 places de parking. Depuis ce pari initial, tout s'est enchaîné — 37 propriétés Airbnb en conciergerie en France, 70+ propriétés au Maroc opérées à distance, un SaaS d'automatisation, une agence de contenu, etc.Ce qui rend cet épisode différent, c'est pas le chiffre. C'est la méthode.Martin a compris très tôt que le vrai levier, c'est les gens — pas les heures. Inspiré par la philosophie du "Who, Not How", il a construit un système où chaque nouveau projet repose sur la bonne personne au bon endroit.Dans cet épisode de Débrouillard, il raconte tout — les erreurs, les raccourcis, et ce qu'il ferait différemment depuis zéro.▬▬▬▬▬▬▬▬▬

#146. Reda Bennani Khir - Conciergelite Maroc - 72 PROPRIÉTÉS AIRBNB À MARRAKECH : Comment Reda Gagne 80-100K€/MOIS en Conciergerie

Play Episode Listen Later Jun 21, 2026 93:53

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/Reda Bennani Khir a construit une conciergerie de 72 propriétés à Marrakech depuis la France.Sans jamais mettre les pieds au Maroc.80 à 100 000€ par mois. Un modèle 100% remotisé. Et une machine de guerre derrière : CleanLuxe pour le nettoyage, TechniqueLuxe pour la maintenance, un réseau de mandataires immobiliers, et une formation pour d'autres concierges qui voulaient répliquer le système.Ce n'est pas un hasard. C'est une architecture.Et les webinaires ? 15 000 inscrits. 4 500 à 5 000 participants en live. 45 000€ de budget pub. Des chiffres que la plupart des médias francophones n'osent pas montrer.Dans cet épisode de Débrouillard, Reda ne retient rien. Il explique comment il a pensé chaque brique du système, ce qu'il referait différemment, et pourquoi les MRE qui rêvent d'investir au Maroc ont souvent tout faux sur la méthode.

E104 - Someone Is Banking With Your Money Right Now (Is it You?)

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Play Episode Listen Later Jun 19, 2026 51:38

Support the Dee Family: https://www.gofundme.com/f/the-robert-dee-family-support-fundBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans strips the banking function down to its core. Money flows into your life and money flows out, and the only question that matters is who profits from what happens in between. Right now, the answer is almost certainly someone else. Using Nelson Nash's "Becoming Your Own Banker" as his guide, Hans walks through the all-American family's spending pattern, the front-loaded mortgage trap, and the 345 MPH headwind eating away at every dollar you earn.If you've ever been turned off by the branding of IBC or the fact that the product is life insurance, this is the episode that asks you to separate the process from the product and actually look under the hood.Chapters:00:00 – Opening segment00:25 – What banking actually is (and why the Fed won't end)03:50 – A plea for peace of mind09:30 – Why the 1% term policy matters and what it means for your family13:35 – What does a bank actually do?16:55 – Building a dam20:15 – Someone is banking with your capital right now. Is it you?22:50 – Nash on the problem: the all-American family and the car loan25:40 – The mortgage trap: 86% of every dollar to financing32:00 – The 345 MPH headwind: why you can't out-save the interest37:15 – Creating a bank: cogeneration and tapping the existing system44:10 – Separate the process from the product50:30 – Closing segmentKey Takeaways:Banking is not a product you buy, it's a function already happening to your money. Capital flows in and out of your life whether you manage it or not, and someone is profiting from that flow right now. If you don't know who, it isn't you.Separate the process from the product. The banking function is the goal; whole life is simply the best tool currently available to facilitate it. Don't let a gut reaction to the words "life insurance" stop you from understanding the mechanics underneath.The volume of interest matters more than the interest rate. A modest-sounding rate still means 34.5 cents of every disposable dollar goes to interest, and roughly 86% of your mortgage payment in the first five years goes to financing rather than equity. The rate is the distraction; the volume is the wound.You can't out-save a 345 MPH headwind. No rate of return on your savings will outrun the drag of paying a third of every dollar in interest. Most people obsess over making the plane go 105 MPH instead of controlling the environment they fly in.Treat your capital the way a bank treats theirs. A bank never lends without collateral and insurance, and never lets capital sit idle. When you buy stocks with cash or leave money in a checking account, you're acting like the average American, not like a banker.Self-insurance is a myth. You will pay for life insurance one way or another, either through premiums or through lost retirement income. The question is whether your family is protected in the 1% scenario where it matters most.

Is Infinite Banking Too Good to Be True? Answering the Hardest IBC Questions (Ep. 274)

Without the Bank Podcast

Play Episode Listen Later Jun 18, 2026 15:02

Is Infinite Banking too good to be true? We're answering the hardest IBC questions every entrepreneur asks. In this episode of Without the Bank, Tarisa takes over the mic to tackle the most common (and controversial) questions about the Infinite Banking Concept. From "What's the rate of return?" to "Why is whole life so expensive?" and "Is my money actually safe?" — she breaks down what every business owner needs to know before starting IBC. If you've ever wondered whether whole life insurance is worth it, how quickly you can access your cash value, or how IBC compares to keeping money in a bank, this episode has your answers. ⏱️ Chapters: 0:00 — Intro & A Word from 80-Year-Old Tarisa 1:12 — What's the Rate of Return? It's a Formula, Not a Number 3:13 — Death Benefit vs. Cash Value Explained 4:08 — Why Is Whole Life So "Expensive"? (Term vs. Whole Life vs. IUL) 7:49 — How Long Do I Have to Pay Premiums? 8:45 — How Soon Can I Access My Cash Value? 9:43 — Is My Money Safe? Banks vs. Life Insurance Companies 13:51 — Mary Jo's Historic Milestone & Final Thoughts

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Shawn Mahoney on NFPA 241, Wood-Frame Fires, and the Enforcement Gap

Fire Protection Podcast

Play Episode Listen Later Jun 17, 2026 31:30

Shawn Mahoney of NFPA's Technical Services team joins Drew for his fourth time on The Fire Protection Podcast, and this one covers a lot of ground before landing on a problem the industry keeps stepping over: construction-site fires. You've seen the headlines. A light wood-frame building goes up mid-construction, and the whole thing is gone, like the Denver complex that took a 238-unit building with it, or the South Park fire in North Carolina that killed two workers. Shawn's point is blunt: we already have the standard to prevent this. It's NFPA 241, the Standard for Safeguarding Construction, Alteration, and Demolition Operations, and it's been around since 1930. It's referenced by NFPA 1, NFPA 101, the IBC, and the IFC. "The biggest issue is people just aren't using it," Shawn says. The code isn't broken. Enforcement is. Drew and Shawn dig into why adoption is so piecemeal, what real enforcement looks like (Boston shuts a site down if the fire prevention program manager isn't there), the legislative push after the North Carolina fire, and what the Fire Prevention Program Manager actually has to do day to day. Before that, they preview the NFPA Conference & Expo in Las Vegas, including Drew's Tuesday session on AI and fire protection, how AI has reshaped the codes world through NFPA LiNK, CASI, and the new Notebooks feature, and why data centers and small nuclear reactors are creating fire-protection problems in towns that have never seen anything like them. Join Drew for Episode 96 for a real conversation about why the standards we already have only matter if someone enforces them. Topics covered: Inside the NFPA Conference & Expo in Las Vegas AI in fire protection: NFPA LiNK, CASI, and NFPA Insights LiNK Notebooks for codes, checklists, and impairment permits Data centers and small nuclear reactors as emerging fire risks Light wood-frame construction fires and why they're catastrophic NFPA 241 and the enforcement gap The Fire Prevention Program Manager role Timestamps 00:00 – Introduction 02:27 – Inside the NFPA Conference & Expo 05:35 – AI in Fire Protection 07:46 – Data Centers & Small Nuclear Reactors 09:13 – NFPA LiNK, CASI & NFPA Insights 12:00 – LiNK Notebooks 15:21 – NFPA 241: A Standard Since 1930 16:50 – Why Wood-Frame Construction Fires Are Catastrophic 19:07 – Referenced Everywhere, Enforced Almost Nowhere 20:36 – How Boston Enforces 241 25:54 – The Fire Prevention Program Manager Role 28:33 – Educational Videos & NFPA's YouTube Channels 30:23 – Conclusion

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Make Your Money Do More: Become Your Own Bank with Erica Neal

Money with Mission Podcast

Play Episode Listen Later Jun 17, 2026 67:22

What if the rules you were taught about money were never the whole game? That's where this conversation starts. Dr. Felecia sits down with Erica Neal, co-founder of Infinity Investment Strategies, wealth strategist, authorized IBC practitioner, investor, and bestselling author of Mind of Gold: A Girlfriend's Guide to Financial Freedom. Erica shares how her early money lessons came from seeing what not to do, why she moved from pre-med into finance, and how working inside traditional financial planning opened her eyes to what many people are never taught about cash flow, retirement income, and true financial control. They talk about the limits of traditional financial advice, the moment Erica realized account balances don't always translate into income, and why she eventually let go of hard-earned licenses to build something more aligned. Dr. Felecia also asks the practical questions many listeners may be wondering: What is infinite banking? How does it work? What are the tax benefits? How much does it take to start? And how can women begin learning a money language they were never taught? This conversation is about cash flow, control, protection, abundance, and understanding the rules so your money can work for you. 00:00 – Erica's Money Story 07:36 – From Pre-Med to Finance 11:36 – What Happened After Graduation 14:15 – The Question That Changed How Erica Saw Retirement 17:41 – Why Cash Flow Became the Focus 19:42 – Letting Go of Licenses and Old Identity 23:15 – Who Supported Erica Through the Pivot? 28:01 – From Scarcity to Abundance 33:26 – Surrounding Yourself With Higher-Level Conversations 35:56 – Why Erica Focuses on Women and Financial Education 40:14 – Finding the Hands Reaching Back to Help You 45:08 – Infinite Banking Explained 50:38 – Do You Have to Pay the Policy Loan Back? 52:08 – The Tax Benefits of Infinite Banking 55:26 – How Much Does It Cost to Start? 58:10 – Protecting Cash From Lawsuits and Market Risk 01:02:55 – Defense Is Just as Important as Offense You've worked hard to build your career. Now let's build wealth that outlives it. You were born to build more than just wealth. You were born to lead, inspire, and rise. At Wealth B-Hers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and writing their own money rules. Ready to take the first step? Visit our website - moneywithmission.com/wealth-b-hers/ Connect with Erica! Book: Mind of Gold: A Girlfriend's Guide to Financial Freedom Website: infinityinvestmentstrategies.com LinkedIn: https://www.linkedin.com/in/theericaneal/ Instagram: https://www.instagram.com/theericaneal/ Facebook: https://www.facebook.com/TheEricaNeal/ YouTube: Real Money Talk Key Quotes: "I still make decisions for me, and nobody can ever take that away." - Erica Neal "If you don't know the rules to the game, you can't win." - Erica Neal

The Holy Grail of Blues Bands: Melissa McKinney & MAMA

Time Signatures with Jim Ervin

Play Episode Listen Later Jun 16, 2026 28:16 Transcription Available

With only three episodes remaining on Season 6, host Jim Ervin welcomes first band runner up in the 2026 International Blues Challenge, Melissa McKinney. This woman of the Blues put an incredible band together to compete this year, and narrowly missed taking it all home with her. She has sold her successful music school, and she has come away from the IBC on a mission to bring her deep, soulful Blues to the masses. If you get a chance to check her and her band “Mama” out, you will not be sorry if you do.Website: https://melissamckinneymusic.com/mamaFacebook: https://www.facebook.com/melissamckinneymusicSpotify: https://open.spotify.com/artist/1A5EiKAJr86zuGUlTN2oaC?si=Lae7eZ66Qj2t5H9qk8qXggYouTube: https://www.youtube.com/@melissamckinneymusic_________________________Facebook: Time SignaturesYouTube: Time SignaturesFacebook: Capital Area Blues SocietyWebsite: Capital Area Blues SocietyFriends of Time Signatures _______Website: University of Mississippi Libraries Blues ArchiveWebsite: Killer Blues Headstone ProjectWebsite: Blues Society Radio NetworkWebsite: Keeping the Blues Alive Foundation

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The Hidden Medicare Cost That Could Drain $350,000 From Your Retirement (IRMAA Explained)

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Play Episode Listen Later Jun 16, 2026 25:59

Summary Most people know Medicare costs money in retirement, but few understand how much their income level affects what they actually pay. In this episode, Wade Borth unpacks IRMAA, the income-related surcharge that can quietly add $162 to $650 or more per month to your Medicare premiums, depending on what you earn. Wade walks through who gets hit, what counts as income in the calculation (including surprises like municipal bond interest and Social Security), and how a single dollar over the threshold can cost you hundreds of thousands of dollars over time. He also explains how properly structured whole life insurance creates an income stream that falls outside the IRMAA calculation, giving retirees a meaningful planning advantage. Key Takeaways IRMAA can add hundreds of dollars per month to Medicare premiums, and a single dollar over the income threshold triggers the full surcharge with no gradual phase-in. Every dollar of the surcharge has a compounding cost. That extra $162 per month, grown at 4% over 20 years, is worth nearly $60,000 in real wealth. Income sources many people overlook in the IRMAA calculation include capital gains, Social Security income, municipal bond interest, rental income, and Roth conversions. IRMAA looks back two years, so a one-time income spike follows you into retirement longer than most people expect. Properly structured whole life insurance, when funded correctly, provides an income stream through policy loans that does not count toward the IRMAA calculation, giving retirees real choices when managing retirement income. Links and Resources Sage Wealth Strategy: sagewealthstrategy.com Keywords IRMAA, Medicare premiums, income-related monthly adjustment amount, retirement planning, Medicare Part B, Medicare Part D, retirement income, whole life insurance, infinite banking concept, IBC, policy loans, capital gains in retirement, Roth IRA withdrawals, 401k withdrawals, Medicare surcharge, retirement mistakes, Wade Borth, Sage Wealth Strategy, wealth erosion retirement, family banking Episode Highlights [00:00:00 - 00:01:32] Wade opens with a lunch conversation where a friend approaching retirement had no idea how IRMAA would affect his Medicare costs. [00:05:15 - 00:08:17] Wade explains the $218,000 joint income threshold and how IRMAA brackets step up in full increments, not gradually. [00:08:18 - 00:09:21] One dollar over the threshold adds $162 per month to a couple's Medicare premium, a 40 percent increase with no phase-in. [00:09:22 - 00:12:24] At a 4 percent growth rate, that extra $162 per month is worth $60,000 over 20 years. At the top bracket, the 20-year cost reaches $238,000. [00:12:25 - 00:17:03] Wade walks through every income source factored into the IRMAA calculation, including capital gains, Social Security, municipal bond interest, and Roth conversions. [00:17:04 - 00:19:35] HSA distributions and Roth IRA withdrawals do not count toward IRMAA, creating real planning flexibility for retirees who hold these assets. [00:19:36 - 00:23:46] Properly structured whole life insurance policy loans fall outside the IRMAA calculation, giving retirees an income source they can draw from without triggering the surcharge.

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This Lineman Discovered the Financial Peace Everyone's Missing #222

Wealth Warehouse

Play Episode Listen Later Jun 15, 2026 29:21

Join our free Skool - https://www.skool.com/ibc-community-7282 A Lineman's Infinite Banking Concept journey to wealth creation. Wes's journey started out with anything BUT financial peace of mind, as his search for creating financial legacy for his family brought him to products and businesses that just didn't deliver what they said they would. Until he found The Infinite Banking Concept (IBC) and truly started the path of family banking. Listen in to learn where He came from and where He's going. Visit - https://thewealthwarehousepodcast.com/ Chapters 00:00 Introduction and Wes Howard's background 01:13 The turning point: discovering Nelson Nash's IBC 09:30 Wes's experience with IUL and misconceptions 16:50 Realization of the flaws in IUL and switch to whole life 21:02 Early years of implementing IBC and lessons learned 29:21 Handling objections and community support At Wealth Warehouse, we challenge you to transform your financial future through the principles of the most profitable business in the world: banking. We believe everybody should be involved in two businesses: the business that you're in, and the banking business. Everyday people can replicate what bankers have been doing for centuries to leverage capital and build wealth through private lending. Join us as we uncover the truths about money, expose lies and myths, and flip conventional financial advice on its head.

Cuando El Señor da más de lo que pedimos - Pr. Yadín Rodríguez

The Practical Wealth Show

Play Episode Listen Later Jun 14, 2026 59:32

Predicado en el culto matutino del 14 de junio del 2026 en la Iglesia Bautista Cristiana

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The 4 Stages of Whole Life Insurance: From Saver to Infinite Banker

Play Episode Listen Later Jun 11, 2026 24:50

Most people misunderstand whole life insurance because they look at it as a product instead of a system. In this Practical Wealth Study Group, Curtis May breaks down the Four Stages of Whole Life Insurance, also known inside the Money4Life Blueprint as the Private Reserve Strategy. This is not about chasing rates of return. This is about control, liquidity, certainty, and building a personal economy where your money keeps working inside your system instead of constantly leaving to banks, lenders, credit cards, and financial institutions. Curtis walks through the Money4Life Framework: Earn it. Bank it. Borrow it. Spend it. Repay it. Repeat. You'll learn how whole life insurance can function as a foundational asset, why premium should be viewed as a capital flow instead of an expense, and how families and business owners can begin using their policies to recapture debt, build liquidity, and eventually finance opportunities. This conversation covers: Why whole life insurance is not an investment account The economic value of certainty The crisis of financial control Why liquidity matters more than rate of return How to calculate your burn rate Why you must capitalize before you invest The difference between being a saver, wealth builder, business banker, and infinite banker How to stop giving interest away to strangers Why banking is a process of becoming, not a product you buy The goal is not just to own a policy. The goal is to become the banker. Visit PracticalWealth.net to take the Financial Freedom Assessment and learn more about the Money4Life Blueprint. 00:00 – Welcome to Practical Wealth Study Group 00:19 – The Four Stages of Whole Life and IBC 01:00 – Whole Life Is Not an Investment Account 01:45 – The Economic Value of Certainty 02:30 – Whole Life as a Foundational Asset 03:10 – The Money4Life Framework: Earn It, Bank It, Borrow It 04:20 – Why Banking Means Control of Capital 05:30 – The Crisis of Control 06:15 – Stop Giving Away the Banking Function 07:00 – The Maturity Matrix: Where Do You Stand? 08:00 – Stage 1: The Saver 09:20 – You Can't Invest Until You Capitalize 10:30 – Contract Wealth vs. Statement Wealth 11:45 – Stage 2: The Wealth Builder 12:45 – Premium Is Not an Expense 13:45 – Freedom From Debt to Others 14:40 – Your Burn Rate and Liquidity Number 15:50 – Debt-to-Capital: Bringing Debt In-House 17:00 – The Difference Between Chaos and Opportunity 18:00 – Stage 3: The Business Banker 19:00 – Money as Inventory 20:00 – Financing Opportunities Through Your System 21:00 – Stage 4: The Infinite Banker 22:00 – Closing the Financial Loop 23:00 – Banking Is Not a Product 23:30 – Immediate Action Plan

The Business Owner's Pension Blueprint

Play Episode Listen Later Jun 9, 2026 22:10

Summary This is part 3 of our series. What if your quarterly tax bill could become a retirement engine? In this episode, Wade sits down with Rohit Punyani, founder of The Owner's Asset, to unpack the pension strategy most business owners and their advisors overlook. The conversation covers the sequence of financial planning, the psychology of guaranteed income, and how to combine IBC with a defined benefit pension to fund whole life insurance and annuities at wholesale pricing through tax deductions. Ro and Wade also break down who qualifies, what the first conversation looks like, and how a $1.8 million deduction can create an $11 million estate planning shield. The message is clear: structure your capital in the right order, and the numbers take care of themselves. In our previous episodes, we dive in into lots of other topics: In part 1 Wade Borth and Rohit Punyani explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Check part 2 of this conversation in here Key Takeaways Sequence matters more than the total amount of capital. IBC is the foundation, a pension adds whole life and annuities with pre-tax dollars, and markets or real estate come after. Guaranteed income removes the scarcity mindset in retirement. People with income live abundantly; people drawing down assets tend to pull back every time the market dips. If your liquidity does not scale with your wealth and income, your financial plan is fragile. Business owners paying $20,000 to $30,000 or more in quarterly estimated taxes may qualify for a defined benefit pension that turns a tax liability into a retirement asset. Life insurance and estate planning can be layered inside a pension structure, allowing business owners to manufacture significant liquidity at a fraction of the out-of-pocket cost. Links and Resources sagewealthstrategy.com Part 1: Six Figures Off, Seven Figures Built Part 2: Your Business Owes You a Pension Keywords pension strategy for business owners, defined benefit pension, tax arbitrage, infinite banking concept, IBC, whole life insurance, annuities, guaranteed income retirement, cash value life insurance, Wade Borth, Rohit Punyani, The Owner's Asset, business owner retirement planning, 1099 retirement strategy, self-employed pension, estate planning life insurance, family banking, financial liquidity, cash flow retirement, scarcity mindset retirement Episode Highlights [00:01:45 - 00:02:25] Ro explains why capital structure matters as much as total capital, and how starting a $40,000 annual policy in your forties generates six-figure cash flow by your seventies. [00:03:05 - 00:04:06] Wade and Ro align on the need for a process that wins every time, and Wade introduces the sequence framework: how you pack your bags going up the hill determines how you come back down. [00:05:27 - 00:06:24] The 2016 LIMRA annual report and the 2005 Wall Street Journal article 'Friends, Neighbors, and Annuities' show that people with annuities live longer and carry less financial stress. [00:06:25 - 00:07:10] Wade references Tom Hegna's principle: people with income are happy, people with assets are miserable. A real client story about a market dip derailing a boat purchase brings it to life. [00:10:25 - 00:11:25] Ro shares his epiphany as a former chief investment officer and credits Wade with the principle: if your liquidity does not scale with your wealth, your plan is fragile. [00:13:26 - 00:15:02] Ro walks through who qualifies for a pension, what the first conversation looks like, and why roughly 30 percent of inquiries are not yet in the model's sweet spot. [00:17:28 - 00:18:15] Ro describes how a pension structure enabled estate planning for a 70 and 68-year-old couple: $1.8 million in deductions created an $11 million estate planning shield. [00:18:34 - 00:19:23] Wade and Ro clarify who should reach out: self-employed individuals on 1099, K-1, or W-2 from their own S corp, making quarterly estimated tax payments of $20,000 or more.

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Arrepentimiento y oración - Pr. Pedro da Cunha

The BluzNdaBlood Blues Radio Show

Play Episode Listen Later Jun 9, 2026 69:10

Predicado en el culto matutino del 07 de junio del 2026 en la Iglesia Bautista Cristiana

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Ep. 546 - Issac Hardman

Alpha Blokes Podcast

Play Episode Listen Later Jun 7, 2026 125:52

Former Boxer, MMA fighter and now the face of the IBC and one of our great mates Issac Hardman joins us for a yarn.To kick it off we go back to Issac's childhood and his aspirations to be a rugby league player and how that transitioned to beginning his amateur MMA career, to then going pro and going on an undefeated run, taking out Aussies that are now even in the UFC. From this opportunity, Issac went on a great run in Boxing and he discusses some of his favourite matches and we review his highlight reel knockouts. To wrap up, we discuss his latest combat sports move to the IBC and his plans to become the first Double Champ and why he enjoys the concept of the new sport so much. Work life balance is covered as Issac has just begun his real estate career as well, and we discuss why he fights for his family to bring the conversation home. This bloke is always hilarious on the mic and one to watch if you've started getting into the IBC. Enjoy trendsetters!Follow Issac on Instagram here or if you're keen to sponsor him for his future fights in the IBC: https://www.instagram.com/hardmanboxa/Alpha Blokes Survey - take ya 5 mins! https://podcastsurvey.typeform.com/AlphaBlokesGot a yarn for Talkback? Email it to carryon@alphablokes.com.auWant Poo to review your Tinder profile? Email the big fella with your intel to possibly get on to Poo's Reviews: poobandit@alphablokes.com.auEver wanted to watch the Podcast? Check out full visual, uncut and ad-free versions on our Patreon. Only $5 a week plus access to all of our exclusive vlogs. Our vlog interviewing the QLD Origin side has justs dropped, with one to follow from Alphafest pretty soon: patreon.com/alphablokespodcastBetter Beer: Jog in a can, win in a tin, the athletes choice. Try their new Halfy's at any bottle-o near you: https://www.betterbeer.com.au/Neds: Whatever you bet on, take it to the neds level: https://www.neds.com.au/SP Tools: Schmicker tools for an even schmicker price, use code "ALPHA" at checkout for 10% off and check out their brand new catalogue: sptools.comPortwest: Tough workwear for tough jobs. Check out their vast variety of PPE for the jobsite here: https://www.portwest.com/market/Papa Macros: ready made unreal meals if you're too flat out to meal prep Sunday arvo. Use the code "ALPHA" for $30 off your first order or "ALPHA10" for any reoccuring order for 10% off at papamacros.com.au OR simply use the links below:$30 off your first order: https://www.papamacros.com.au/?coupon-code=ALPHA&sc-page=shop10% off: https://www.papamacros.com.au/?coupon-code=Alpha10&sc-page=shop0:00 - Growing Up14:00 - MMA23:00 - Change from MMA to Boxing39:00 - Favourite Boxing Knockouts1:07:00 - IBC1:48:00 - Guest Questions Hosted on Acast. See acast.com/privacy for more information.

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The BluzNdaBlood Show #502, Blues Without Borders!

Play Episode Listen Later Jun 5, 2026 59:35

Intro Song – Lil G Weevil, "Dad's Story", Live Acoustic Session, Winner of 29th IBC, Born in Hungary First Set - Downchild Blues Band, "Can You Hear The Music?", Can You Hear The Music, Canada! JW Jones, "It's Obdacious", Sonic Departures, Canada The Dibs, "You Got Me Where You Want Me", Just For You, Belgium and the Netherlands! Second Set - The British Bluescasting Corporation, "Ain't No Love In The Heart Of The City", Saints And Sinners, United Kingdom Smiling Jack Smith, "I Remember You", You Can't Go Home Again, Spain Paddy Smith, "Next Time You See Me", This Devils Backyard, Ireland Third Set - The McNaMarr Project, "Invisible", Single from upcoming CD, John McNamara and Andrea Marr from Australia, Sven Zetterberg & Bluesbande, "Stranger Blues", Blues From Sweden Boogie Boys, "Bb Back In Town", Antologia Polskiego Bluesa CZ 2, Poland Fourth Set - Big Dave & The Dutchmen, "Daring Harring", Big Dave & The Dutchmen, Netherlands Sugar Brown, "Sell, Steal or Die", Toronto Bound, lives in Toronto The Lowdown Saints, "Got No Time For Love", Got No Time For Love, Sweden Omar Coleman and Igor Prado, "Night Fishing", Old, New, Funky and Blues, Igor is from Brazil!

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Interview with Andrew Dalager

Life Success & Legacy

Play Episode Listen Later Jun 5, 2026 47:13

What happens when a former principal runs into one of his old elementary school students — years later — and they’re both deep into the Infinite Banking Concept? That’s exactly this episode. Chris sits down with Andrew Dalager for a conversation that’s equal parts reunion and revelation. They reminisce about the early days, catch up on life and family, and then get into the good stuff: how Andrew found IBC, why it clicked for him, and the banking system he’s been steadily building ever since. It’s a great reminder that this concept finds people in all kinds of ways — and once it does, there’s no going back. The post Interview with Andrew Dalager appeared first on Life Success Legacy.

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#144. Idriss Marcial MONTHE - JÈKO - IL A VENDU SA FINTECH APRÈS 8 ANS. ET IL A TOUT RECOMMENCÉ : Idriss Monthe et l'Histoire de Jèko

Play Episode Listen Later Jun 4, 2026 114:31

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/Idriss Martial Monthe a fondé CinetPay — l'un des premiers agrégateurs de paiement d'Afrique francophone. 80 employés. 10 pays. 8 ans. Exit en septembre 2024.Pas pour souffler. Pour recommencer.Aujourd'hui il co-fonde Jèko : une application de paiement dédiée aux commerçants du secteur informel africain — ce secteur qui représente 80% de l'économie du continent et que les banques ne savent toujours pas servir.Sa conviction : la banque connaît l'argent de son client. Pas son client. Jèko veut changer ça.Dans cet épisode de Débrouillard :→ La mécanique d'un exit réussi — les 3 scénarios, la clause de non-concurrence, le jour J→ Pourquoi il a vendu 100% de ses parts et recommencé en moins d'un an→ Jèko : l'origine du nom, le produit, les 750 000$ de Ring Capital, +30%/mois→ Le secteur informel africain : les 2 vraies barrières et la stratégie pyramide→ L'IA dans les équipes tech africaines — ce qui se passe vraiment sur le terrain→ Wave, Flutterwave : menace ou validation du marché ?→ Comment anticiper son exit dès le jour 1▬▬▬▬▬▬▬▬▬

A nova suspeita de fraude no caso 'Dark Horse'

O Assunto

Play Episode Listen Later Jun 2, 2026 40:41

Convidados: Rodrigo Rodrigues, repórter do g1 em São Paulo, e Guilherme Balza, repórter de política da GloboNews. Nessa segunda-feira (1), a Polícia Civil de São Paulo cumpriu mandados de busca em apreensão na sede da Prefeitura da capital paulista e em mais sete endereços ligados à empresária Karina Ferreira da Gama. A operação foi motivada pela suspeita de fraude em um contrato celebrado pela Prefeitura de São Paulo com o Instituto Conhecer Brasil (ICB) que determina a instalação de 5 mil pontos de wi-fi pela cidade ao custo de R$ 108 milhões para o município – Karina é dona dessa ONG. O que a investigação apura é o destino desse dinheiro, que pode ter sido usado para o financiamento da cinebiografia de Jair Bolsonaro, uma realização da produtora Go Up, que também pertence a Karina. Neste episódio, Natuza Nery conversa com dois jornalistas. Primeiro, ela fala com Rodrigo Rodrigues, que cobriu a operação da PC-SP e que apura as relações entre Prefeitura de São Paulo, IBC e Go Up desde que primeiras denúncias. Depois, quem participa é Guilherme Balza: ele amplia o leque de suspeitas no caso 'Dark Horse', que vão desde o uso de emendas parlamentares até o financiamento de Daniel Vorcaro.

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Your Business Owes You a Pension

Play Episode Listen Later Jun 2, 2026 27:07

Summary In part 1 Wade Borth and Rohit Punyani, founder of The Owner's Asset, explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here We continue this episode in part 2, as most business owners know they should be saving for retirement. What they don't know is how much the tax code has stacked the deck in their favor. In this episode, Wade and Rohit Punyani of The Owner's Asset dig into who a cash balance plan actually works for, why older business owners have the biggest advantage, and how to run a pension and a 401(k) together for maximum effect. Rohit also breaks down one of the most underused strategies in retirement planning: depositing required minimum distributions into a seasoned whole life policy to convert taxable income into accessible, non-taxable cash flow. If your business has been funding the IRS instead of your future, this conversation is for you. Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance. Check part 3 of this conversation in here Key Takeaways The ideal candidate: a stable business with consistent taxable income, quarterly estimated payments above $20,000 to $30,000 per quarter, and at least some active K-1, S-corp, or 1099 income. After age 52 or 53, the IRS tables allow deductions that can exceed your active income. A 60-year-old with $100,000 in side income may be able to deduct $250,000. A pension and a 401(k) can and should coexist. The 401(k) stays in the market for growth. The pension funds your guaranteed safety-first income. The pension contribution is a top-line deduction. A $200,000 contribution on $1 million in revenue means the IRS taxes you on $800,000, and it can drop you into a lower marginal bracket. Required minimum distributions should never be spent directly. Depositing an RMD into a seasoned whole life policy and drawing on the policy's cash value can convert a $40,000 taxable distribution into $100,000 or more of accessible, non-taxable cash flow. Links and Resources sagewealthstrategy.com Part 1: Six Figures Off, Seven Figures Built Keywords cash balance plan for business owners, who qualifies for a pension, K-1 income retirement, 1099 pension plan, self-employed retirement planning, age advantage cash balance plan, RMD strategy whole life insurance, infinite banking RMD, required minimum distributions whole life, pension and 401k together, business owner tax deduction, Wade Borth, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, solopreneur retirement, cash flow vs income IRS, top-line deduction, talent retention pension, small business pension plan Episode Highlights [00:04:35 - 00:05:46] Rohit defines the ideal candidate in human terms: a stable business writing quarterly estimated tax payments above $20,000 to $30,000 that could instead be flowing into a pension. [00:07:20 - 00:08:36] The age advantage: after 52 or 53, you can deduct more than your active income. A 60-year-old with $100,000 in side income can potentially deduct $250,000 and erase a tax bill entirely. [00:11:05 - 00:11:28] The 401(k) and pension should coexist. Stay in the markets with the 401(k). Use the pension to buy your safety-first guaranteed income. [00:13:48 - 00:14:53] Top-line deduction explained: a $200,000 contribution on $1,000,000 in revenue means the IRS taxes you on $800,000, and it can push you into a lower marginal tax bracket. [00:17:56 - 00:19:20] The catch-up concept: after years of building a business without contributing to retirement, a cash balance plan lets you redirect $200,000 to $300,000 a year and rebuild what was missed. [00:21:29 - 00:25:43] The RMD strategy: take a $40,000 distribution, deposit it into a seasoned whole life policy, use the policy's 3x to 4x release to pay taxes and keep the rest, turning $22,000 of after-tax income into $102,000 of cash flow.

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La oración de una madre y el plan de Dios - Pr. Yadín Rodríguez

tv shows bestselling podcast hosts ibc canfield infinite banking concept nelson nash interview series becoming your own banker

Play Episode Listen Later Jun 1, 2026 64:22

Predicado en el culto matutino del 31 de mayo del 2026 en la Iglesia Bautista Cristiana

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The Interview Series #48: Richard Canfield

DURHAM TALENTS CHANNEL

Play Episode Listen Later May 29, 2026 115:43

The Interview Series #48: Richard CanfieldIn this episode of the Interview Series, I interview Richard Canfield.Richard is a husband, father, best-selling author, Authorized Infinite Banking Concept Practitioner, and TV Show & Podcast Host. We had a great conversation about his IBC journey personally and professionally; how he's used whole life insurance for financing, meeting Nelson Nash, and so much more. Richard CanfieldAuthorized Infinite Banking Practitioner rcanfield@ascendantfinancial.com 587-600-9080Have a question? Try asking my AI Clone - https://askrichardcanfield.com/ Subscribe to my Podcast: https://wealthonmainstreet.com/youtube Get my Bestselling book for FREE here: https://dontspreadwealth.com/ RESOURCES MENTIONED:The backwards bicycle video: https://youtube.com/watch?v=MFzDaBzBlL0&si=lKD4Uzr2mfgv0Kl1Learnfromnelson.comwww.growyourowncapital.comThe Nelson Nash documentary: https://youtube.com/watch?v=kv_kX5CN3tI&si=gO4M2uf3hxeRr9j9⚔️ “LIVE & LEAVE A LASTING LEGACY”

#141. Natacha NJONGWA YEPNGA - LeCoinStat - ELLE CRÉE UN AGENT IA EN 1H SANS CODER EN LIVE: La Data Scientist qui Démystifie Tout

Play Episode Listen Later May 28, 2026 112:38

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/Elle a quitté Yaoundé pour intégrer l'ENSAI, l'une des grandes écoles de statistique françaises. Elle a gravi les échelons des plus grandes institutions financières du pays. Elle gagnait bien sa vie. Elle pleurait en arrivant au travail.Alors elle a tout arrêté.Aujourd'hui, Natacha Njongwa Yepnga dirige LDA Advisory, anime la chaîne YouTube LeCoinStat, et s'est fixé un objectif : former un million de personnes à la data et à l'IA. Sans capital de départ. Sans réseau hérité. Juste une caméra, une expertise, et une conviction que la connaissance ne devrait appartenir à personne en particulier.Dans cet épisode de Débrouillard, elle raconte tout :→ Pourquoi elle a claqué la porte d'une carrière que tout le monde lui enviait→ Comment elle a créé un agent IA en live, sans coder, en moins d'une heure — et pourquoi ça a tout changé→ Sa vision du salariat : "un échange de temps contre de l'argent"→ Ce qu'elle pense vraiment de l'IA pour les entrepreneurs en 2026→ Le moment exact où elle a compris qu'elle ne pouvait plus faire semblantSi tu attends le bon moment pour te lancer — cet épisode est fait pour toi.▬▬▬▬▬▬▬▬▬

Six Figures Off, Seven Figures Built

Play Episode Listen Later May 26, 2026 28:05

Summary Most business owners know that taxes are their biggest expense. Fewer know there is a legal, IRS-approved way to redirect that money into a guaranteed retirement asset. In this episode, Wade sits down with Rohit Punyani of The Owner's Asset to walk through cash balance plans, the modern business owner's version of a pension. Rohit explains how owners with active income can take deductions of up to $300,000 per year, how whole life insurance can be purchased inside the plan with pre-tax dollars, and how the plan can eventually feed an infinite banking strategy. If you are tired of writing tax checks, this conversation shows you where that money could go instead. In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Check part 2 of this conversation in here Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance. Check part 3 of this conversation in here Key Takeaways Business owners with active income can deduct up to $300,000 per year through a cash balance plan, compared to the $23,500 cap on a 401(k). The two bookends of retirement planning are the 4% rule (market-based probability) and the safety-first school of thought (guaranteed income). A well-designed plan draws from both. A cash balance plan allows you to purchase whole life insurance with pre-tax dollars, one of the very few ways to do so in the entire tax code. The money earmarked for taxes is already leaving your world. The only question is whether it goes to the IRS or into a guaranteed retirement asset. A policy funded inside a pension can later be moved out and used for infinite banking, giving you both the tax deduction and the long-term liquidity. Links and Resources sagewealthstrategy.com Part 2: Your Business Owes You a Pension Keywords cash balance plan, defined benefit plan, tax deduction for business owners, retirement planning for business owners, infinite banking, whole life insurance, guaranteed retirement income, pension plan for small business, 4% rule, safety-first retirement, pre-tax life insurance, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, Wade Borth Podcast, business owner tax strategy, generational wealth, cash value life insurance, death benefit, liquidity Episode Highlights [00:02:21 - 00:03:02] Rohit delivers the core promise: a six-figure tax deduction for a seven-figure guaranteed retirement, and explains why taxes are every business owner's biggest leakage. [00:11:13 - 00:12:31] The 4% rule explained, including what success actually looks like: having one dollar left the day you die. [00:13:05 - 00:15:33] Wade explains the safety-first school of thought and why transferring longevity risk to a life insurance company changes the retirement equation. [00:22:10 - 00:24:02] The first two differences between a cash balance plan and a 401(k): deduction limits ($300,000 vs. $23,500) and the ability to purchase whole life inside the plan with pre-tax dollars. [00:24:54 - 00:25:15] Wade and Rohit land the key insight: the money is already leaving. The only question is where it goes. [00:25:37 - 00:26:28] The fourth and most compelling difference: the policy can be pulled out of the pension and used for infinite banking.

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E100 - Don't Die Without Creating These 4 Documents First…

Play Episode Listen Later May 22, 2026 100:17

Connect with Rohit Punyani: https://ownersasset.com/resource-libraryBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for a deep dive on estate planning, building from the basics that every family needs all the way up to advanced techniques used by ultra-high-net-worth families.Ro and Hans start with the four foundational documents every American needs regardless of net worth, then transition into the real heart of the episode: how life insurance functions as the single most powerful tool in estate tax planning. They walk through why "insurability is a currency," how convertible term lets you shield tens of millions from estate tax without consuming your exemption, and why the conventional advice to move everything out of your estate is often wrong.Chapters: 00:00 – Opening segment01:55 – Why estate planning is unique to every family 04:25 – The Last Will and Testament: pros, cons, and the guardianship rule 09:35 – The "title test": what goes in the will vs. the trust 12:30 – Probate, public record, and Robin Williams 18:10 – Revocable trusts: what they actually do 25:40 – Frankenstein trusts and the funding problem 27:55 – Pour-over wills as the catch-all 33:25 – Why vague language kills directives 41:30 – Financial power of attorney and conservatorship 44:20 – Why banks demand their own POA forms 48:50 – Why the four documents stay separate 51:35 – Estate tax vs. income tax 01:01:00 – A real case: $6M policy, the irrevocable fix 01:04:00 – Insurability is a currency 01:11:50 – The Rockefeller Method: IBC on the kids 01:17:25 – Intentionally Defective Grantor Trusts 01:23:50 – Why the IRS allows hot-swapping assets 01:35:15 – Apocalyptic optionality: how IBC creates options 01:37:35 – Closing thoughtsKey Takeaways:Every American needs the big four documents: a will, a revocable trust, a medical directive, and a financial power of attorney. The will is non-negotiable if you have kids because it names guardians, and a trust cannot.Insurability is a currency. Every healthy year you don't lock in coverage is wealth left on the table, and convertible term placed in an irrevocable trust consumes $0 of your $30M estate tax exemption.The contrarian play is to keep assets in your estate, not out of it. Preserve the step-up in basis on appreciating assets, then use massive life insurance death benefit (owned irrevocably) to pay the inevitable tax bill tax-free.Whole life beat the Barclays Aggregate Bond Index in 9 of the last 10 years after tax. The 15-year return on the broadest bond index is 2.21% taxable versus roughly 4.5-5% tax-free for dividend-paying whole life, with a death benefit on top.The Rockefeller Method scales this across generations. Start max-funded IBC policies on the kids, keep them in your estate, and create cascading multi-generational liquidity where each generation gets a step-up and tax-free death benefit to pay the next round of taxes.

#142. Carlos Diaz - Silicon Carne - Un CPE lui prête 50 000 francs sans prendre de parts. La boîte est vendue 180 millions. — El Gring raconte tout ce qu'il n'a jamais dit.

The Wealth Without Wall Street Podcast

Play Episode Listen Later May 21, 2026 76:51

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/Un CPE lui prête 50 000 francs sans prendre de parts. La boîte est vendue 180 millions. Carlos Diaz — El Gringo, fondateur de Silicon Carne — raconte tout ce qu'il n'a jamais dit.Carlos Diaz a grandi à Limoges dans un HLM. Parents ouvriers, réfugiés espagnols fuyant Franco. Il a raté le théâtre, la musique (son groupe était à une voix de signer avec Zebda — le bassiste produit aujourd'hui Justice), Sciences Po. Un CPE lui prête 50 000 francs sans prendre une seule part. La boîte est vendue 180 millions.Depuis septembre 2025, il est full-time sur Silicon Carne — top #1 podcast tech francophone depuis SF. 100 000 écoutes/mois, CPM 100-150$, ~1000 membres à L'Hacienda, Le Festin à 250K€ la saison.Dans cet épisode :→ L'anecdote Justice — jamais racontée avant→ Le CPE Martin Mazo qui prête tout sans prendre de parts — décédé depuis→ Entreprendre comme tomber amoureux — sa philosophie centrale→ Le business model Silicon Carne complet→ YouTube a gagné la guerre du podcast — il l'a vu avant tout le monde→ La Chine, l'IA, Elon vs Altman — sa grille de lecture depuis SF→ Son message à la nouvelle génération : « Cette technologie vous appartient. Débrouillez-vous. »▬▬▬▬▬▬▬▬▬

Pool Inspections Exposed - Dennis Boyd with Natalie Hood

Talking Pools Podcast

Play Episode Listen Later May 20, 2026 28:03 Transcription Available

Send us Fan MailPool Inspections, Liability, Codes & the Dangerous Assumptions That Cost Thousands. Part 2 of this 2 part episode.With Host Natalie Hood of The Grit Game and Special Guest Dennis Boyd of Watershape UniversityIn the conclusion of this powerful two-part episode of Myth Busting Wednesdays, Natalie Hood sits down with Dennis Boyd for a brutally honest conversation about the realities of swimming pool inspections, code compliance, safety standards, liability, and the myths that continue to plague the pool industry. This episode digs deep into one of the biggest misconceptions in the swimming pool industry: just because a pool is open, built, or passed inspection once does not mean it is safe, compliant, or properly constructed today. Dennis explains how pool inspectors must constantly continue learning, especially in areas like electrical safety, bonding, lighting systems, hydraulics, structural integrity, and evolving code requirements. Natalie and Dennis break down the dangerous assumption that “if the contractor built it, it must be compliant,” sharing real-world examples of improperly built pools, exposed rebar hidden beneath unfinished shotcrete, disconnected bonding systems, improperly grounded electrical components, and construction shortcuts that could have led to catastrophic failures or lawsuits. The conversation also explores the confusion surrounding municipal inspections and building codes. Dennis explains how different jurisdictions may adopt completely different combinations of the International Building Code (IBC), International Swimming Pool & Spa Code (ISPSC), and local amendments, creating inconsistencies throughout the country. The result? Pools can sometimes receive occupancy approval while still containing serious safety hazards. Natalie and Dennis also tackle: Why home inspectors often lack meaningful aquatic training The critical difference between general liability insurance and Errors & Omissions (E&O) coverage for pool inspectors Why written inspection reports become legal disclosure documents during real estate transactions The growing need for specialized aquatic inspection professionals Why pool builders, service technicians, and inspectors often operate with completely different knowledge bases The shocking pool code requirements most professionals have never heard of — including residential safety rope requirements under ISPSC Chapter 8. Dennis also shares how Watershape University training has helped professionals better understand slides, diving envelopes, gate safety, coefficient of friction standards, and the hidden hazards that most homeowners — and many contractors — completely overlook. Natalie closes the episode with a powerful reminder:Pools don't fail because of bad luck. They fail because of bad assumptions.This is an episode every pool builder, service professional, inspector, real estate agent, and pool owner needs to hear.Topics Covered Pool inspection myths Electrical and bonding safety Pool code compliance Residential pool inspections Watershape University training Pool builder liability E&O insurance for inspectors ISPSC and IBC code discussions Real estate disclosure and pool inspections Pool construction defects Safety standards for residential pools Why continuing education matters in aquatics Listen & Follow

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The Problem With Chasing the “Perfect” IBC Policy (Part 2)

Play Episode Listen Later May 19, 2026 48:25

Do you want to know more about the complexities of the Infinite Banking Concept (IBC) and the myths surrounding the so-called "perfect" whole life insurance policy? Today, Russ and Joey continue their series answering questions about IBC.They go over the truth behind the myths, reveal the risks you're not being told about, and show you how to design a policy that works for your unique financial goals. The discussion covers the risks of overfunding policies, the truth about dividends, and the human behavior side of investing. Russ and Joey also present real-world examples to illustrate how understanding your financial goals and behavior is essential for using IBC effectively. Top three things you will learn:-There is no "perfect" IBC policy, only the right one for you-Risk management is key in policy design-What you do with the policy matters more than the policy itselfDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.

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Inside The Nelson Nash Institute: What's The Future of Infinite Banking? - David Stearns

Better Wealth with Caleb Guilliams

Play Episode Listen Later May 19, 2026 87:04

I sit down with the president of the Nelson Nash Institute to walk through the core principles of the infinite banking concept as Nelson Nash intended as well as covering the future of IBC. I also directly address some of my concerns and issues with completely removing banks from one's financial plan.Watch the Interview on Youtube for Visuals - https://youtu.be/M72BN415fOEWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Trailer and Defining Infinite Banking 01:16 - Guest Introduction - David Stearns 01:48 - How Would You Define the Infinite Banking Concept? 04:45 - Volume vs. Rate 06:56 - Relationship to R. Nelson Nash18:56 - History of the Infinite Banking Concept 27:23 - The Nelson Nash Institute 37:54 - Core Things You Need To Stay in the Institute 42:52 - The Five Simple Rules of Infinite Banking *Think long range *Don't be afraid to capitalize *Don't steal the peas *Don't do business with banks *Rethink your thinking1:01:24 - Addressing Controversies and Misconceptions 1:20:24 - The Role of Banks and ControlDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

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The Case for IBC - 7: How to Use Your IBC Policy

Breakaway Wealth Podcast

Play Episode Listen Later May 19, 2026 28:02

The final chapter of The Case for IBC answers the question everyone eventually asks: "How do I actually use this?" In this episode, Jim and Nick stop talking theory and walk through what putting Infinite Banking into action really looks like. They break down how business owners can reroute cash flow through properly designed policies, create velocity with capital, and build long-term cash-flowing assets using leverage and control. The conversation centers around one core idea: the policy itself is not the goal. The goal is to use capital efficiently and repeatedly. They also challenge the short-term thinking behind high-PUA policy designs and explain why long-term capitalization and policy strength matter more than early illustration optics. By the end, you'll see how Infinite Banking becomes more than a concept. It becomes a system for building cash flow, financing opportunities, and creating legacy wealth. Key Takeaways - Infinite Banking is about using capital, not just storing it - Velocity of money creates long-term wealth and cash flow - Business expenses can be rerouted through a banking system you control - Strong policy design matters more than short-term illustration appeal - Wealth grows through leverage, control, and repeated deployment of capital Chapters 00:00 Putting IBC Into Action 01:22 Why Most People Misunderstand IBC 03:07 Rerouting Cash Flow Through the Policy 05:27 Why Cash Drag Matters Early 13:22 Building a Real Banking System 16:44 Velocity of Money Explained 20:28 Opening Another "Branch" of Your Bank 22:25 Leverage, Cash Flow, and Legacy Wealth 26:01 Breaking Away From the Herd ______________________________ If you're ready to breakaway and start making real wealth, then join our free community. Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.

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Part 2: What the internet Failed To Tell You About Infinite Banking

The Money Multiplier Podcast

Play Episode Listen Later May 19, 2026 54:28

Why do some people dismiss Infinite Banking without fully understanding what problem it actually solves? In this episode, Hannah Kessler reacts to common online arguments against the Infinite Banking Concept and breaks down the biggest misconceptions around whole life insurance, policy loans, and "becoming your own banker." She explains why IBC is not an investment strategy, how properly structured whole life policies create long-term control and liquidity, and why wealthy families and banks continue using these systems to store and deploy capital. Watch our 90-minute presentation here: https://bit.ly/tmm-podcast-ppt Send us an email at podcast@themoneymultiplier.com Check out our resources at: https://linktr.ee/themoneymultiplier

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Become Your Own Bank: Infinite Banking Strategies for Real Estate Investors

Investor Fuel Real Estate Investing Mastermind - Audio Version

Play Episode Listen Later May 13, 2026 19:27

In this episode, David Hammer shares insights on how real estate investors can leverage the Infinite Banking Concept (IBC) to optimize their funding strategies, protect their wealth, and enhance investment returns. Discover how IBC integrates with traditional financing, misconceptions about life insurance, and practical applications for real estate professionals. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------

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The Problem With Chasing the “Perfect” IBC Policy

The Wealth Without Wall Street Podcast

Play Episode Listen Later May 12, 2026 32:50

Is there really a perfect infinite banking policy design? In this episode, Russ and Joey break down one of the biggest misconceptions in the IBC world. They explain why policy design should never be cookie-cutter and unpack the growing obsession around 10/90 policy design. They also reveal why maximizing paid-up additions (PUAs) doesn't automatically create better outcomes.Using real examples and math, they compare different whole life policy structures to demonstrate that the long-term differences are often not what people expect. More importantly, they emphasize that financial freedom does not come from chasing the perfect product. It comes from becoming a better investor and using the system strategically.If you've been overwhelmed by conflicting IBC advice online, this episode will help you rethink what matters when designing a policy built for long-term wealth and passive income.Top three things you will learn:-The truth about the perfect Infinite Banking policy-The difference between base premium and paid-up additions (PUAs)-Why financial freedom depends more on strategy and investing than on maximizing policy designDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.

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E98 - How to Buy Whole Life Insurance with Pre-Tax Dollars (Legally)