Podcasts about IBC

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What Is Reduced Paid-Up (RPU) Insurance? Somewhere buried in your whole life insurance policy, there's a provision called the reduced paid-up option. Most people never think about it until they need to. And by then, they're usually Googling it in a mild panic. So let's get ahead of that.  Reduced paid-up insurance is a nonforfeiture option written into every whole life policy. It gives you the right to stop paying premiums and keep a smaller, permanent death benefit, fully paid up, no strings attached, no further payments required. Your cash value funds the whole thing. https://www.youtube.com/live/ypC6twnNlsA What Is Reduced Paid-Up (RPU) Insurance?Key TakeawaysThe Short Answer: What Does "Reduced Paid-Up" Mean?How Does the Reduced Paid-Up Option Work?A Simple ExampleWhat Happens to the Cash Value?Reduced Paid-Up vs. Other Nonforfeiture OptionsWhen Might Someone Use the Reduced Paid-Up Option?Financial HardshipRetirementInherited policiesIntentional simplificationReduced Paid-Up Insurance and the Infinite Banking ConceptWhy IBC Policyholders Rarely Elect RPURPU as a Safety Net Within Your Banking SystemWhy Proper Policy Design MattersBook a Call to Find Out Your Next Step to Time and Money Freedom Why Should You Understand RPU Insurance? It's one of the most important safety nets your policy offers. But if you're building a financial strategy around your whole life policy (especially if you're using it as part of an Infinite Banking system), RPU insurance is something you should understand thoroughly, even if you never plan to use it. This guide covers what the reduced paid-up option is, how it works, how it compares to your other nonforfeiture options, and why it occupies a very specific place in the broader picture of wealth building with whole life insurance. Key Takeaways Reduced paid-up insurance lets you stop paying premiums on a whole life policy while retaining a smaller, permanent death benefit. No further payments are owed, ever. Your cash value isn't lost. It's applied as a single premium to purchase the new, reduced policy, which may continue earning dividends. RPU is one of three standard nonforfeiture options. The other two, cash surrender and extended term, serve different purposes depending on your goals. For policyholders practicing Infinite Banking, electing RPU means stepping off the accelerator. The policy still exists, but the compounding engine that makes IBC powerful slows significantly. Knowing your options is a form of control. You don't have to use RPU to benefit from it being there. The Short Answer: What Does "Reduced Paid-Up" Mean? Reduced paid-up life insurance is a contractual right baked into your whole life policy. If you reach a point where you can't (or don't want to) continue paying premiums, you can elect RPU instead of surrendering the policy entirely. When you do, your insurance company uses the cash value you've accumulated as a one-time net premium to purchase a new whole life policy. Same type of coverage. Same insured person. But with a lower death benefit that reflects the smaller amount of money funding it. No cash comes to you, and no cash leaves your pocket: the whole transaction happens inside the whole life insurance policy. An analogy that might help: imagine you have been renting a large warehouse for your business, paying monthly rent to use the full space. Your needs change, and you can't justify the rent anymore. Instead of walking away and losing the space entirely, you are offered a smaller unit in the same building, fully owned, rent-free, and yours permanently.  While you might have less room, you still have a foothold. That's RPU. The critical thing to understand is that "reduced" refers to the death benefit, not the quality of coverage. You still hold a permanent, participating whole life policy. It just covers a smaller amount. How Does the Reduced Paid-Up Option Work? The mechanics are less complicated than the policy document makes them look. Your policy has been accumulating cash value with every premium payment you've made. When you elect RPU, that accumulated cash value gets applied as a single lump-sum premium. The insurance company then calculates how much fully paid-up whole life coverage that lump sum can buy at your current age and health classification. The result: a new permanent policy with a reduced face amount. No premiums due going forward. The policy stays in force for your entire life. Depending on your carrier (particularly if you are with a mutual company), the paid-up policy may still be eligible for annual dividends. That means your cash value can continue to grow, and in some cases, the death benefit can edge upward over time. The growth won't be dramatic. Without fresh premium dollars feeding the policy, the compounding effect slows down considerably. But it doesn't stop entirely. A Simple Example Say a policyholder has been paying into a whole life policy for twelve years. The original death benefit is $500,000, and the policy has accumulated $80,000 in cash value. Premiums are $8,000 annually. Circumstances shift, maybe a business transition, maybe a pivot in priorities, and continuing those premium payments no longer makes sense. Rather than surrendering the policy and walking away with the $80,000 (minus any fees or outstanding loans), the policyholder elects RPU. The $80,000 cash value purchases a fully paid-up whole life policy with a death benefit of approximately $200,000. Ultimately, that means no more premiums, and your permanent coverage stays intact. The policy may continue to participate in dividends. (These figures are illustrative. Actual RPU amounts vary by age, insurer, policy type, and contract terms.) What Happens to the Cash Value? Your cash value doesn't disappear, it's not surrendered, and it's not paid out to you. It becomes the funding mechanism for your new, smaller policy. Once RPU is elected, the paid-up policy functions like any other whole life contract. If your insurer is a mutual company that distributes dividends, your reduced policy may still receive them. Cash value can continue to accumulate. In some cases, the death benefit gradually increases over time as dividends are applied. The difference is pace. A fully funded whole life policy with regular premium payments and Paid-Up Additions is a compounding machine. A reduced paid-up policy is more like that same machine idling; still running, still producing, but at a fraction of the output. Reduced Paid-Up vs. Other Nonforfeiture Options RPU isn't your only route if you need to stop paying premiums. Whole life contracts include three standard nonforfeiture options, each designed for a different set of circumstances. Cash SurrenderExtended TermReduced Paid-UpWhat happensPolicy terminated. You receive the accumulated cash value (minus fees and loans).Cash value buys a term policy at the original death benefit for a limited period.Cash value buys a smaller permanent whole life policy.Death benefitNone - coverage ends.Same as the original, but only for a fixed term.Reduced, but permanent and lifelong.Future premiumsNone - policy is cancelled.None during the term period.None - policy is fully paid up.Cash value after electionPaid out to you.No further accumulation.May continue to grow via dividends.Best suited forYou need immediate liquidity and are willing to give up coverage entirely.You want the full death benefit maintained for a specific window of time.You want to keep permanent coverage without any future premium obligation. RPU sits in the middle ground. You lose some death benefit, but you keep permanent coverage and a policy that can still participate in dividends. It's the option that preserves the most long-term value if you don't need immediate cash and don't want to gamble on a term expiration date. Which option fits best depends on what the policy is doing in your financial life. If it's just a death benefit, the calculus is one thing. If it's a cornerstone of a broader wealth strategy, the calculus shifts considerably. When Might Someone Use the Reduced Paid-Up Option? People elect RPU for all sorts of reasons, and none of them are failures. After all, life changes, and priorities shift. Either way, a good policy is designed to give you flexibility when that happens. Financial Hardship Job loss, health setbacks, a business downturn, if your income drops and premiums become unsustainable, RPU protects what you've already built without forcing you to surrender everything. Retirement As you move from accumulation years to distribution years, your relationship with premium payments naturally changes. Some retirees elect RPU because the reduced death benefit still covers their estate planning needs, or their income can no longer support the premium payments. Inherited policies If you've inherited a whole life policy from a family member, you may not have the budget or the desire to continue paying premiums on a policy you didn't choose. Electing RPU keeps the coverage in force at no ongoing cost. Intentional simplification Multiple policies, shifting coverage needs, and a desire to streamline. Sometimes RPU is just the cleanest way to right-size your insurance without losing the permanent coverage you've built over years of payments. Every one of these situations is legitimate, and the reduced paid-up option exists precisely to serve them. It's a built-in exit ramp, of sorts, not a sign that something went wrong, but proof that the policy was designed to handle real life. Reduced Paid-Up Insurance and the Infinite Banking Concept Most content about RPU insurance treats it as an isolated insurance term. Define it, compare it to the other nonforfeiture options, and move on. But if you are using your whole life policy as part of an Infinite Banking strategy,

In this episode, Chris, Mike C., and Mike K. dive deep into the third thing IBC can do — what Nelson Nash called Passive Income. Nelson famously removed the word “retirement” from his vocabulary, but what did he actually mean by that? The team explores the history of retirement as we’ve come to know it, unpacks what Nelson laid out in Becoming Your Own Banker, and shares real-world examples alongside the Life Success & Legacy approach to teaching this powerful principle. The post Is “Retirement” a Bad Word? Passive Income, Nelson Nash’s Philosophy, and the LSL Team’s Take appeared first on Life Success Legacy.

Michael Hession is an authorized practitioner of the Infinite Banking Concept (IBC) who has been implementing this powerful wealth strategy for his own family for over eleven years and guiding clients toward financial independence for more than seven. As a Wealth Strategist at Factum Financial, Michael brings extensive real-world experience to his work. He previously spent 16 years as the owner and operator of a successful marine business, giving him firsthand insight into the financial challenges entrepreneurs face. Michael also has a strong background in trading options, futures, and currencies, along with investing in and managing multiple real estate properties—experiences that revealed the risks of relying solely on traditional financial systems. Since discovering IBC eight years ago, he and his wife Ann have built multiple policies and are passionate about helping families and business owners create stability and lasting wealth. During the show we discuss: What infinite banking is and how it works as a long-term financial strategy How specially structured whole life insurance policies can be used to build and access capital The concept of becoming your own banker and borrowing against your own cash value How business owners can use this strategy to fund investments, opportunities, and expenses The difference between infinite banking and traditional banking or financing methods How this approach can help create long-term financial security and wealth preservation Common misconceptions people have about life insurance and cash value strategies How entrepreneurs can integrate infinite banking into their overall financial and business strategy Resources: https://go.factumfoundations.com/perfectasset https://calendly.com/mhession64/22min https://factumfinancial.com/ https://theperfectasset.com/      

What a biblical weekend at IBC, the most exciting and fastest growing combat sport right now! We recap our weekend in the GC watching the scraps at IBC and what else we got up too down there, plenty of people watching and shinstagramming. We discuss everything relevant happening in this crazy world right now during the news and cover our thoughts on UFC 326 and initial thoughts on the White House card. Dump Finds provides an absolute classic that is relevant to all the rain happening right now and we bring it home with a FRESH, REVAMPED edition of Poo's Reviews: the Love Doctor is here to review the trendsetters' tinder profiles! Have a great weekend trendsetters and stay safe.Got a yarn for the show? Keep it under 2 minutes and email it to carryon@alphablokes.com.auWant Poo to review your Tinder profile for Poos Reviews? Email him your info and profile to 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 Mustering & cattlework vlog with Tylen has just dropped and it's a ripper: 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 - IBC36:59 - Pub Of The Week43:45 - Pep & Poo's Dump Finds For You56:15 - Alpha News & Sport1:33:56 - The NEW Poo's Reviews Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Money Multiplier, Hannah Kesler explores a question that reshapes how you think about control, liquidity, and long-term wealth: how does IBC actually build cash value? She walks through the mechanics behind policy design, premium flow, and compounding growth within the Infinite Banking Concept, revealing why structure matters more than most realize.   Watch the full episode: https://bit.ly/tmm-podcast-ppt.   Send your questions or ideas: podcast@themoneymultiplier.com.   Explore focused wealth-building resources: https://linktr.ee/themoneymultiplier.  

出演：IBC岩手放送・井丸貴拡アナウンサー （2026年3月11日（水）ニュースコーナーFrontline Sessionより。） 発信型ニュース・プロジェクト「荻上チキ・Session」 ★月～金曜日　17:00～20:00　TBSラジオで生放送 パーソナリティ：荻上チキ、片桐千晶 番組HP：荻上チキ・Session 番組メールアドレス：ss954@tbs.co.jp 番組Xアカウント：@Session_1530 ハッシュタグは #ss954 Learn more about your ad choices. Visit megaphone.fm/adchoices

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% 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_____________________________Most service members walk into the SBP decision the same way: someone hands them a checkbox at out-processing and they default to yes. But the Survivor Benefit Plan is a 30-year financial commitment with no cash value, no inheritance, and no way out once the window closes — and most people never study it before signing.In this episode, Brian and Hans break down everything you need to know about the Survivor Benefit Plan before you're forced to make the decision — including when it makes sense, when it doesn't, and how whole life structured for IBC can make the conversation almost irrelevant if you start early enough.Chapters: 00:00 – Opening segment 01:00 – What SBP is and why it matters at retirement 08:25 – How the premium and benefit structure works 14:05 – The three major problems with SBP 18:55 – When SBP actually pays off 26:35 – DIC: the VA benefit that changed the math in 2023 37:00 – The whole life alternative: side-by-side comparison 42:50 – Starting early vs. starting at retirement: the 10-year difference 49:35 – Full SBP vs. partial vs. whole life only: running the scenarios 57:40 – The hybrid approach 1:01:00 – Who SBP is right for1:04:05 – Closing thoughtsKey Takeaways:The question isn't full SBP or nothing. Most people never realize they can elect a partial SBP — say 25% — and get a guaranteed annuity for their spouse at a fraction of the cost. The checkbox you get handed at retirement doesn't show you that option.Every dollar into SBP disappears into a government system and never comes back. There's no cash value, no policy loan, no asset to transfer. If your spouse dies before you, you've lost every premium paid with no refund and no recourse.The nightmare scenario for SBP isn't dying young — it's living long and watching your spouse die first. You pay 30 years of premiums, your spouse predeceases you, and the government keeps every dollar. With whole life, the asset survives.Know yourself before you decide. If Parkinson's Law runs your financial life and you'd spend the premium money anyway, take the SBP. Forced protection beats no protection. But if you have the discipline and cash flow to build something real, the whole life path wins on almost every timeline beyond the first few years.

Darwin is having the biggest wet in 50 years so we've had to postpone our prime fishing trip but we soldier on! Very jam packed episode: Poo should be chief engineer for the newest Jets, simply add an extra gear and they'll fly like f*ck he reckons. We cover the Sunset Tavern Red-dog told us about earlier in Pub Of The Week before heading to Pep's Dump for the best Dumpies yet! We cover recent events in the news, as well as preview the IBC card which we CANNOT wait to go to this weekend, what great scraps! We cover the Trianglies VS Briefs debate in the trendsetters before bringing it home with a special announcement for Poo's Reviews and the future plans for it. Plenty happening in this one, enjoy the rest of your weekend and stay out of each other!Ever 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 Mustering & cattlework vlog with Tylen has just dropped and it's a ripper: 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 - Drawin's Too Wet11:30 - Yabby Pump: Last Run of Prep15:00 - Alphafest17:45 - Broken Toes & Eclipses21:00 - Paramount Acquires Warner Brothers26:15 - Pub Of The Week33:15 - Pep & Poo's Dump Finds for You44:15 - Cooking/Eating1:00:05 - Alpha News1:28:12 - Motivation1:36:15 - Tales of the Trendsetters1:49:35 - Poo's Reviews: The Finale Hosted on Acast. See acast.com/privacy for more information.

We're back again with another massive episode. This week we welcome Aussie WWE superstar Grayson Waller to the pod. We chat all about his rise to the highest levels of pro wrestling, why Australians succeed so much in combat sport, his love of MMA & boxing, his thoughts on the Zuffa debut of Jai Opetaia, whether guys like Volk and JDM could transition to WWE and heaps more! Plus we preview this Saturday's IBC show on the Gold Coast, and breakdown UFC 326! Hit the download button and step into the ring. Presented by Compa Tequila. Use code FOOK10 for 10% off all orders at Engage.

Bethany Shipley - bethany@bethanyshipley.comTo learn more about the Infinite Banking Concept or connect with Joshua:Text him: 651-815-2446Instagram: @thefamilybankerHe offers free education and advice on the Infinite Banking process.In this episode, Bethany Shipley welcomes Joshua Rose, who was invited to the show after sharing an impressive personal commitment: running a mile every day for over three years. Joshua shares the principle behind this streak—setting "minimum standards" in life—and connects this discipline to his work as a financial guru and his approach to parenting. He breaks down the Infinite Banking Concept and challenges listeners to define their financial future with clarity and discipline.Key TakeawaysThe Power of Minimum StandardsJoshua Rose was invited to the show after mentioning that he runs a minimum of one mile every day, a streak that as of this recording has been "a little over three years unbroken," totaling 1,180 days.He committed to running a mile every day on December 1, 2022, deciding he wanted it to be "a me thing," not a New Year's resolution.He believes in setting "minimum standards" in five areas of life, with his daily mile being his non-negotiable minimum for fitness.The five areas for setting minimum standards are: faith, family, fitness, finances, and friendships or relationships.For faith, his minimum standard involves him and his wife reading the Bible together for 20 to 30 minutes every morning after his run.For family, he ensures his morning routine doesn't infringe on his children's time, often achieved by waking up earlier.Financial Minimum Standards and Wealth ProtectionJoshua Rose draws parallels between transforming physical health and transforming financial futures, stating that discipline, hard work, and mindset empower individuals to control their wealth just as they control their health.The prerequisite for his financial advice is simple: you must be able to live on less than you make.A financial minimum standard for a family or business is to know their two terms: burn rate and days of liquidity (also called a "safe date").Burn Rate: The cost to run a family or business every day, month, or year.Days of Liquidity (Safe Date): The number of days a family or business could survive if their income goes away.The average business in America has only 27 days of liquidity.Joshua and his wife's minimum/emergency goal for days of liquidity is 180 days (six months), while their comfort zone goal is 365 days.He advocates for separating investing (separating yourself from control of your money with the expectation of a return) and savings or protection.The Infinite Banking ConceptJoshua teaches the Infinite Banking Concept (IBC), which comes from the book Becoming Your Own Banker by Nelson Nash.IBC uses whole life insurance policies to build a pool of capital that individuals and families can own, control, and use to finance things (like houses, cars, and businesses) without a traditional bank.The problem IBC addresses is that people finance everything, either by getting a loan and paying interest to a bank, or by paying cash and giving up the interest they could have earned.Analogy: Cash flow is a river, and a whole life policy is like a dam that collects a pool of capital.Teaching Children Financial DisciplineJoshua and his wife are teaching their four young children (ages five, four, two, and five months) about money.Their five- and four-year-olds are learning to budget their money into three categories: saving, giving, and spending.Their goal is to teach their kids that saving 50% of their income is a normal habit, a stark contrast to the average American who saves less than 5%.To help his young children earn money, he sometimes drops quarters on the ground for them to "find" while cleaning.He rewards "uncommon help"—going "above and beyond" the expected chores—with money, sometimes as a surprise to prevent tying their desire to help only to money.

Predicado en el culto matutino del 01 de marzo del 2026 en la Iglesia Bautista Cristiana

Hi beloved Slops! Please bear with the chaotic audio vibes this week as Big Dipper and Meatball record Sloppy Seconds fully feral from their Palm Springs AirBNB during IBC, because nothing says professionalism like airplane flyovers and desert delirium! This week, Meatball drives straight from Fat Slut to Palm Springs at 3AM, Dipper loses his dick ring somewhere in the house, they debate the psychology of Prince Albert piercings, discuss being force-fed milkshakes, and warn that there WILL be cheese toots in the pool. The IBC chaos starts now!Listen to Sloppy Seconds Ad-Free AND One Day Early on MOM Plus⁠Call us with your sex stories at 213-536-9180!Or e-mail us at ⁠sloppysecondspod@gmail.com⁠⁠FOLLOW SLOPPY SECONDS⁠⁠FOLLOW BIG DIPPER⁠⁠FOLLOW MEATBALL⁠⁠SLOPPY SECONDS IS A FOREVER DOG AND MOGULS OF MEDIA (M.O.M.) PODCASTSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We're back again with another massive episode. This week we're celebrating our 200th show, and to do that, we're having an International Brawling Championship extravaganza! We're hosting IBC3 live on PPV next Saturday March 7, so we've brought on fighters Issac Hardman, Luke Modini, Jay Cutler and more to chat about their upcoming fights and why IBC is the future of combat sports. Hit the download button and step into the cage! Presented by Compa Tequila. Use code FOOK10 for 10% off all orders at Engage.

The “Real Show” Reminder (and why that matters) We kicked off this episode the way we often do—by being real. A quick tech hiccup, a laugh, and the reminder that this is not a polished production pretending to be perfect. It's a real show, with real people, talking about real money decisions. https://www.youtube.com/live/JDkaHi_66d8 And that imperfect start is a perfect picture of what's happening in the Infinite Banking world right now. As Infinite Banking becomes more popular, the internet makes it look clean and effortless: slick graphics, big promises, “hacks,” and fast results. But families don't need more hype. They need clarity. That's why this Nelson Nash Think Tank 2026 recap matters. It's one of the few environments where serious practitioners gather—not to sell—but to refine thinking, challenge assumptions, and protect the integrity of Nelson Nash's original message. If you're a family leader who wants to use the Infinite Banking Concept as a long-term strategy—not a short-term trend—this is for you. The “Real Show” Reminder (and why that matters)What you'll gain from this Nelson Nash Think Tank 2026 recapWhat is the Nelson Nash Think Tank (and why it's different)?Nelson Nash's first rule and the 2026 themeInternal rate of return vs volume in Infinite Banking: what families are hearing onlineWhy “maximum early cash value” can backfire in Infinite Banking policy designModified Endowment Contract (MEC) and the 7-pay test: what to knowHow to choose an Infinite Banking practitioner (and avoid bad advice)“Insurance companies are not banks”: understanding the banking processThink long range as a way of life, not a quick tacticWhere Infinite Banking is headed: young people, AI, and fintechWhat this Nelson Nash Think Tank 2026 recap means for your familyListen to the full episode (Nelson Nash Think Tank 2026 recap)Book A Strategy Call What you'll gain from this Nelson Nash Think Tank 2026 recap In this article, we're pulling back the curtain on what was shared at the Nelson Nash Think Tank 2026—a practitioner-focused environment where the emphasis was think long range, improve policy design conversations, and address the growing confusion created by clickbait marketing and “shortcut” policy claims. Here's what you'll walk away with: What the Think Tank is (and why it's not a sales event) Why “think long range” was the theme—and why families should pay attention The real issue behind “maximum early cash value” and skinny-based designs How to spot Infinite Banking misconceptions and marketing tactics What's coming with AI and fintech in life insurance—and what isn't changing Practical guidance for families who want to take control of the banking function What is the Nelson Nash Think Tank (and why it's different)? The Think Tank isn't built for the general public. It's designed to sharpen the people who teach and implement the concept. You typically attend as a practitioner, someone in the practitioner program, or as a guest of a practitioner (which can include clients or people considering becoming practitioners). It's also intentionally immersive. The days start early with breakfast, run through sessions into late afternoon, and then continue with dinners, vendor conversations, and deep discussions with fellow practitioners late into the night. You don't go to be entertained. You go to be challenged, stretched, and sharpened. And that matters right now because Infinite Banking has become more searchable, more popular, and—unfortunately—more misrepresented. When something powerful spreads quickly, stewardship matters more. Nelson Nash's first rule and the 2026 theme The theme this year was think long range, and that's not a catchy slogan. It's foundational to the Infinite Banking Concept as Nelson Nash taught it. Short-term thinking is the default posture of our culture. Social media rewards it. Marketing rewards it. Even many financial products are sold with it: “What can you get fast?” “What can you access now?” “How can you win this year?” But Infinite Banking was never meant to be a short-term move. It's meant to be a lifetime strategy. Thinking long range means you're making decisions from the perspective of: building stability, not excitement creating options, not dependence protecting your family's future, not chasing quick wins designing a system that can bless generations, not just solve this month That mindset shift is what separates families who use Infinite Banking wisely from families who get caught in the noise. Internal rate of return vs volume in Infinite Banking: what families are hearing online One of the biggest recurring themes was the temptation to judge policies primarily by internal rate of return (IRR)—especially in the early years. If you've spent any time online looking at Infinite Banking, you've likely seen people argue about illustrations, early cash value, and “best” design strategies. Many of those arguments are framed as if the only goal is maximizing the numbers as quickly as possible. But here's the problem: you can “win” an early IRR argument while losing the long-range strategy. A powerful presentation at the Think Tank used a visual approach—backed by math—to show something families need to hear clearly: focusing on early cash value often creates tradeoffs that reduce your future capacity. There are no solutions—only compromises. And a compromise isn't bad when you understand it. The danger is when someone sells a compromise like it's a guaranteed solution. The heart of the point was this: in Infinite Banking, the rate is not nearly as important as the volume of dollars you can control over your lifetime. That's how commercial banks and major financial institutions think. A small return on a massive volume becomes a large outcome. For families, that translates into a different question entirely:How much of what flows through your hands will you capture and control? That question changes everything. Why “maximum early cash value” can backfire in Infinite Banking policy design One of the most popular marketing angles today is the push for “maximum early cash value,” often achieved through skinny-based policies with high PUAs. The pitch usually sounds like this: get as much cash value as possible early so you can “put your money to work somewhere else.” Here's what often doesn't get explained. Some aggressive designs rely on structures that only allow maximum funding for a limited period (for example, seven years). After that funding window ends—often due to IRS rules tied to MEC limits—the rider or structure may drop off, and you can no longer fund in the same way. The common comeback is: “Just start another policy.” But real life isn't a spreadsheet. Starting over can reset efficiency. Health and insurability can change. Income changes. Goals change. Markets change. And a strategy that depends on you repeatedly starting new policies assumes a stability most families simply can't guarantee. The bigger concern is the mindset that this trains: a series of short sprints instead of building a lifelong system. Thinking long range means designing for durability, flexibility, and sustainability—not just speed. Modified Endowment Contract (MEC) and the 7-pay test: what to know You don't need to be a tax expert to understand why MEC rules matter, but you do need to know that they exist—because many “max fund fast” strategies bump up against them. A Modified Endowment Contract (MEC) is a policy that fails IRS funding limits (often related to the 7-pay test). When a policy becomes a MEC, the tax treatment of distributions changes, and it can reduce some of the advantages families expect when they hear “tax favored.” That's why certain policy designs are built around managing those limits—sometimes by using structures that give you a short window of maximum funding. The key takeaway is simple: if someone is promising “perfect” early cash value without explaining tradeoffs, funding limits, and long-term implications, you're not being educated. You're being marketed to. And marketing can be expensive. How to choose an Infinite Banking practitioner (and avoid bad advice) As Infinite Banking grows, a disappointing trend has emerged: clickbait content designed to stir controversy or attract attention. Some marketers now lead with “what's wrong with IBC” as a hook—even while selling it—because negativity generates clicks. That kind of infighting confuses families and erodes trust. So what should you watch for? Red flags to take seriously Be cautious if someone says or implies: “You don't have to make premium payments.” “These aren't premiums, they're deposits” (without clear explanation that it's life insurance). “You'll get cars for free if you do this long enough.” “This is the only policy design that works.” “You're borrowing at X and earning Y so you're losing money” using simplistic one-year comparisons. Another red flag: when someone makes you feel urgency—like you must act now without fully understanding what you're buying. If it feels too good to be true, your intuition is likely picking up on something real. A healthier question to ask Instead of asking, “How fast can I get cash value?” ask: “How will this policy design serve my family over decades?” “How long can I realistically fund this?” “What compromises are being made to get early access?” “How does this fit into my long-term cash flow strategy?” That's how you protect yourself—and how you start thinking like the kind of leader this strategy requires. “Insurance companies are not banks”: understanding the banking process Insurance companies have been emphasizing that they are not banks. That's true.

Predicado en el culto matutino del 22 de febrero del 2026 en la Iglesia Bautista Cristiana

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% 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 SUBSCRIBEIn this episode, Joe Withrow sits down with Brian and Hans from Remnant Finance for a live strategy session breaking down the Infinite Banking Concept from the ground up. We get into what a whole life insurance policy actually is (and isn't), why the bank has been profiting off your savings your entire life, how to borrow money against an asset without actually reducing it. If you've been curious about IBC but never had it broken down in plain language, this is the episode to start with.Chapters:00:00 – Opening segment03:30 – What is IBC? The protect, save, grow framework07:35 – Taking over the banking function: why the bank always wins11:15 – Human life value: your most valuable asset isn't on your balance sheet17:00 – Generational policies and setting up kids22:30 – Policy loans explained: borrowing against vs. borrowing from30:00 – Live illustration: how Hans funded a real estate syndicate41:00 – The car purchase breakdown: policy loan vs. dealer financing vs. cash46:00 – Does this work if you don't have dependents?53:00 – Brian's land story: how access to capital beat four competing offers1:03:00 – Policy illustrations walkthrough: the cash drag period and when it flips1:14:00 – Mutual companies, dividends, and why the math actually works1:24:00 – Why Dave Ramsey's advice has an expiration date1:33:00 – Who this is and isn't for1:37:00 – Closing segment / how to book with Remnant FinanceKey Takeaways:The bank is always profiting — the only question is whether you are. When you save at 3% and borrow at 6%, the bank isn't making a 3% spread. They're making a 100% return on every dollar they hold for you. IBC is about recapturing that function for yourself.You're not borrowing from your policy — you're borrowing against it. The insurance company loans you their money, collateralized by your cash value. Your policy keeps compounding as if you never touched it. That's what makes it possible to use the same dollar more than once.Cash attracts opportunities you can't plan for. Brian outbid developers on land behind his house — paying $80,000 less than the highest offer — because he could close in a week with no contingencies. That's not an investment strategy. That's just what access to capital makes possible.The guaranteed growth is the point. This isn't an investment — it's a warehouse. The value is in having a pool of capital that grows uninterrupted, tax-free, by contract, regardless of what the market does or what loans you have outstanding.IBC isn't for everyone right now — and that's okay. If you don't have consistent positive cash flow, forcing a premium payment will feel like a burden instead of a blessing. Brian and Hans will tell you that directly. Get the foundation right first.If you've heard of Infinite Banking, you've probably also heard someone tell you it's a scam — or that you should just max your 401k and call it a day. Most people dismissing it have never actually had it explained properly.

This week we tackle Failure Frame, a show that Rick had initially rolled his eyes at  because when he looked at it it seemed like it would be another Arifureta clone. Rick admitted though that he quickly got hooked on the ruthless protagonist as well as the sheer effectiveness of the "useless" status ailments magic like sleep, paralyze, and poison, even if he spent half the season frustrated that the main character couldn't use anything other than those. And Jack breaks down the darker elements of the world, pointing out that the hero had been shaped by trauma, and not only by recent events but by his past rather than nobility, though he isn't quite as sold on the execution. We also talk about the finale, or lack thereof. Rick claims the show "No Game No Life'd" him because the open ending felt like a personal insult with no Season 2 in sight. Jack called out the "trash" animation and forced villain monologues. And while Rick was emotionally invested enough to be angry, Jack found the whole experience middling, arguing that while it was watchable, it gave him absolutely zero drive to pick up the light novels to see what happens next.About the anime:Failure Frame: I Became the Strongest and Annihilated Everything with Low-Level Spells Follows Touka Mimori as he is summoned to another word with his classmates but rather then him being the hero he is immediately rated E-rank and tossed into a death dungeon by the goddess Vicius, his "useless" status effect skills (paralyze, poison, sleep) turn out to have a 100% success rate, which is the kind of quietly devastating detail that the goddess does not know about. This isn't just a power fantasy reversal, this show commits to Mimori as someone fundamentally is shaped by trauma by both his past and current life events and not some noble hero waiting to emerge. He develops two distinct personas depending on who he's dealing with, and the series doesn't shy away from making him genuinely ruthless when he thinks someone deserves it. The world around him is brutal in ways that feel thought-through and the "heroes" for the most part are corrupt and selfish, the institutions are all cruel by design, and Mimori's revenge arc is less about becoming an oppressor himself and more about protecting people the world has discarded Seras the elf princess hunted for her beauty, Eve Speed forced into bloodsport arenas.Next Week's Pick: “Moonrise”Have you had the chance to watch Failure Frame or any of our previous selections? We'd love to hear your thoughts and recommendations for future picks!Deals for You:Supporting your anime binge sessions is what we do best! Here are some exclusive deals that'll make your anime-watching experience even better.Crunchyroll Affiliate Offers:Get 15% off your first anime merch order here.Stream your favorite anime with Crunchyroll. Start Your Free TrialTokyoTreat Special: Use code "FEATUREDANIME" for $5 off your first box through this TokyoTreat link.Looking for some podcast merch? We've got you covered:Main StoreAlternative ShopSupport Our PodcastLove what we do? Support the podcast through Patreon! You can get access to ad-free episodes, bonus content, and more.Support us on PatreonStay Connected With UsDon't miss out on our latest episodes or discussions! Join us across our social channels and be part of the community:Contact UsAnime List: Check out our anime list on MyAnimeList.Twitch: Watch us live on twitch.tv/featuredanimepodcastEmail: info@featuredanimepodcast.comX (Twitter): @ThoseAnimeGuysFacebook: Featured Anime PodcastDiscord: Join our DiscordAnime Info and Our Ratings: Producers: Dax Production, Overlap, Crunchyroll, Muse Communication, TBS, AT-X, BS11, IBC, GYTStudio: Seven ArcsSource: Light NovelGenres: Dark fantasy, Isekai, Psychological Drama, Action, AdventureAired: July 2024 to September 2024Number of Episodes: 12Our Scores: Jack's Score: 5 / 10Rick's Score: 4 / 10

Predicado en el culto matutino del 15 de febrero del 2026 en la Iglesia Bautista Cristiana

President and Founder of one of the most exciting newest sports, the International Brawling Championship, Danny Mac, joins us for a yarn.Danny takes us through the initial "light bulb" idea he had to come up with the IBC and the sacrifices he made to get it up and going from the ground. We discuss it's plans for the future, including hopefully taking it global and the excitement around the diamond element included in the sport, representing what we all love watching, some good old fashioned stand up and scrap! We're keen as to see where the sport goes and can't wait to watch more of it in the future. Enjoy trendsetters!Ever 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 four part film series from Darwin is now out, over 2 hours of exclusive content from a wild trip in the NT: 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=shopCheck out the IBC's website here: https://www.internationalbrawling.com/And their Instagram here: https://www.instagram.com/internationalbrawling/0:00 - International Brawling Championship Rules & Concept14:00 - Initial Idea & Working During the Wheezer23:42 - Building the First IBC Card32:00 - Recruiting Fighters & Building Cards44:00 - Taking the Sport International53:30 - Favourite Highlights So Far1:05:00 - Upcoming Events1:17:30 - Guest Questions Hosted on Acast. See acast.com/privacy for more information.

Most people think financial freedom comes from earning more, saving harder, or finding the perfect investment. But the real trap isn't income…it's the way we're taught to store and move money. We're told to separate everything into neat little buckets: checking, savings, mortgage, credit cards, investments. And somehow, even when we're "doing well," the system still feels tight, slow, and exhausting. The traditional system is wildly inefficient by design. A 3–4% mortgage isn't really 3–4% at all. It's closer to 12–15% in simple interest once you account for amortization. Savings accounts paying 1–3% sit right next to debt costing 8–25%, and no one ever teaches us to connect those two dots. We're working hard, being disciplined, and still leaking money through invisible cracks. Instead of playing by those rules, Joseph Kovacevic built a completely different operating system: one pot, one line, one flow. All income goes into a first lien HELOC, and all expenses come out of it.  No idle cash, no artificial separation between "good money" and "bad money." How did he go from using money like everyone else to building an entirely different financial system? Why do people struggle so much to understand and actually implement this system? In this episode, entrepreneur, money mentor, and first lien HELOC specialist Joseph Kovacevic breaks down how he's been running this system for over 15 years - from quitting the railroad, to scaling real estate, to using HELOCs and insurance policies as an integrated financial engine.   Things You'll Learn In This Episode  Your mortgage interest isn't what you think it is A "low" 3–5% mortgage is actually closer to 12–15% in simple interest over 30 years, so what are you really paying for homeownership? Why savings accounts make you poorer, not safer If you're earning 1–3% in savings while paying 8–25% on debt, are you actually saving, or quietly burning money? The one-pot system that replaces budgeting entirely What happens when all income, expenses, investing, and saving run through a single HELOC instead of 10 separate accounts? How to become the bank instead of borrowing from one From infinite banking to lending your own capital at 12%+, how do you turn cash flow into a self-funding wealth machine?   Guest Bio Joseph Kovacevic is an entrepreneur, Money Mentor, and first lien HELOC specialist.  At 23 years old, he hired out on the railroad for a career that lasted almost 20 years. He has been investing in real estate since 2000. Between managing rental properties and flipping houses, he was able to escape the corporate world and become an entrepreneur. In 2018, he met Chris Naugle at a Home show in Buffalo, NY, and was later introduced to Brent Kesler, who introduced him to IBC. After years of using the Infinite Banking Concept, he now wants to share IBC with everyone. Being a part of The Money School and The Money Multiplier team, he now helps others break away from conformity and pursue their dreams. He is passionate about educating others about the implementation of the Infinite Banking Concept to solve people's money problems. To learn more, visit https://themoneymultiplier.com/joseph-kovacevic.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Predicado en el culto matutino del 08 de febrero del 2026 en la Iglesia Bautista Cristiana

In this video, Caleb Guilliams and Alden Armstrong review infinite banking with One America Life Insurance Company. What are the best policy designs for Infinite Banking, as well as breaking down the company's COMDEX ratings, dividend performance, pros and cons, and more! Want the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guide Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Learn More About BetterWealth: https://betterwealth.com 00:00 Introduction and Company Overview 02:35 Financial Strength and Performance 06:33 One America Positioning for IBC 08:52 Whole Life 95 - Cash Flow Design 15:45 Whole Life 95 - Front Load Design 21:03 Access to Cash Value and Loans 22:45 PUA Flexibility 25:51 Long-Term Care Rider 27:26 Advantages and Considerations 32:28 Agent Overview 34:29 Conclusion ==================== DISCLAIMER: 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.

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% 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 SUBSCRIBEThis episode dismantles the top seven objections one by one. We're answering them directly and showing why most criticisms reveal a fundamental misunderstanding of what whole life insurance actually is. If you've ever hesitated to explore IBC because something you read online gave you pause, this is the episode for you.Chapters: 00:00 – Opening segment 07:40 – Objection 1: Whole life is a terrible investment 15:45 – Objection 2: The rate of return is terrible 26:35 – Objection 3: You don't break even for years 34:45 – Objections 4 & 5: Why pay interest to borrow my own money? 45:25 – Objection 6: Agents make huge commissions 57:50 – Objection 7: This only works if you're rich 1:02:05 – Closing segmentKey Takeaways:It's not an investment—it's savings. Whole life has no risk of loss, which by definition means it's not an investment. It's a savings vehicle with guarantees, privacy, and a death benefit. Stop comparing it to the S&P 500.Rate of return isn't the only metric. The best-performing asset changes depending on your timeframe. Chasing returns is how people buy high and sell low. Wealthy investors prioritize control, understanding, and risk management before rate of return.Policy loans aren't "borrowing your own money." You're borrowing the insurance company's money, collateralized by your cash value. Your money keeps compounding. That's the entire point.Commissions aren't the gotcha people think. If agents wanted easy money, they'd get a securities license and collect 1% AUM fees for life. Whole life is harder to sell and pays less over time than traditional financial advising.Is Infinite Banking a scam? If you've spent five minutes researching IBC online, you've seen the accusations. These objections are everywhere—YouTube comments, Reddit threads, Dave Ramsey clips. They sound convincing. They're also wrong.

Did you know that infinite banking isn't technically an investment? So why are investors flocking to it? In today's conversation, the dream team of financial coaches breaks down the Infinite Banking Concept (IBC) and why it's one of the best wealth-building tools available to investors. The coaches explore how IBC helps investors leverage their money for growth, the key differences between traditional investing methods like real estate, and why it's often misunderstood. They also discuss the core principles behind IBC and how successful investors use it to enhance their financial strategies without relying on traditional investment vehicles. Whether you're a seasoned investor or just starting out, understanding how IBC works and how to implement it in your wealth strategy can unlock new opportunities and build lasting financial freedom.If you've ever wondered whether IBC is right for you, this episode offers the insights you need to make an informed decision.Top three things you will learn:-The true role of infinite banking in building wealth-How infinite banking complements traditional investments-Maximizing cash flow and flexibility through infinite bankingDisclaimer: 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.

Are you currently debating whether to "Buy Term and Invest the Difference" or build a private banking system with Whole Life?In this episode, David Befort and Paul Fugere put the most popular financial advice—including Dave Ramsey's top talking points—through the IBC Stress Test. If you've been told that Whole Life is a "scam" or that you should only ever buy Term, you are likely missing the most critical piece of the puzzle: The Difference Between Renting and Owning.Why you need to listen to this episode: Most people are taught to treat insurance as a "sunk cost" or a necessary evil. But what if your premium wasn't a cost, but a transfer of assets? We dive deep into why "renting" your protection through Term insurance often leads to a dead end, with ~98% of policies never actually paying out a death benefit.In this episode, we break down:The "Renting" Trap: Why Term insurance is designed to expire just when you need it most, and why "investing the difference" often fails in the real world.The Ernst & Young Reality Check: We discuss the landmark study that shows "Buy Term and Invest the Difference" (BTID) consistently finishes dead last when it comes to retirement spending and legacy.The "Both/And" Strategy: How to use Convertible Term as a bridge to a high-performance IBC policy, allowing you to stop the "leakage" of your wealth and start the process of uninterrupted compounding.Debunking the "Company Keeps Your Cash" Myth: We clarify exactly how your cash value and death benefit work together so you can stop being afraid of the "living benefits" of your policy.Whether you are a "Dave Ramsey person" looking for a second opinion or an investor searching for a way to maximize your Human Life Value, this episode will show you how to stop wasting money on temporary fixes and start building a permanent financial foundation.Stop being a tenant in your own financial life. It's time to become the landlord.About your hosts: https://www.thewealthwarehousepodcast...David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below!

Predicado en el culto matutino del 01 de febrero del 2026 en la Iglesia Bautista Cristiana

Thomas Cox is a Financial Architect and Infinite Banking Strategist. As founder of Cox Capital, he's helped business owners and real estate investors deploy millions through private lending and IBC strategies that actually build wealth and protect capital. He previously built and scaled multiple 7-figure catering businesses, then transitioned full-time into real estate and private capital. Thomas owns 32 multifamily units across the Southeast, runs short-term rentals, and leads a private lending network fueling deals across the South. Thomas's Website: https://www.thomascox.co/

What if two people saved the exact same amount of money... but one retired with nearly $900,000 more than the other? The difference wasn't discipline — it was where the money lived. In this episode of Without the Bank, we break down one of the most powerful chapters from Becoming Your Own Banker: The Twin Sister Example. Using Nelson Nash's comparison between CDs and Infinite Banking, we examine how capitalization, dividends, and ownership significantly impact long-term outcomes. We also tackle one of the most misunderstood — and ignored — components of Infinite Banking: the death benefit. Many people focus only on early cash value, but real banking strategies account for protection, longevity, and uninterrupted compounding. If you've ever wondered why Infinite Banking outperforms traditional savings, CDs, and even "paying cash," this episode connects the dots. Key Takeaways: Why capitalization is unavoidable — no matter how you finance purchases How leasing, bank loans, cash, CDs, and Infinite Banking really compare The hidden cost of "paying cash" and sinking funds Why the death benefit is not a downside — it's a bonus How ownership and dividends change retirement income forever Why Infinite Banking allows income without running out of money Chapters: (00:00) – Why the death benefit matters more than people think (01:09) – Why starting small beats radical lifestyle changes (02:25) – Comparing car financing: lease, bank, cash, CD, IBC (08:38) – CDs vs Infinite Banking: the Twin Sister example (12:55) – Why dividends change everything long-term (16:13) – Retirement income: why one sister runs out and the other doesn't (27:32) – The two rules of Infinite Banking you must follow Get Started: Ready to build your own banking system? Email: maryjo@withoutthebank.com Email: tarisa@withoutthebank.com Grab your copy of Becoming Your Own Banker: https://www.withoutthebank.com/shop... Schedule an appointment and start beating Parkinson's Law today!

Big Dipper and Meatball are back from the GayVN Awards in Las Vegas, where they braved a crowded red carpet full of eager OnlyFans twinks galore. They break down their iconic matching red carpet look and address whether or not it was inspired by SpongeBob or McDonalds (it wasn't) and Meatball rants about fashion designers missing deadlines while Dipper confronts being shaped like a baby. Meanwhile, they prep for their upcoming trip to IBC in Palm Springs, and pitch the instant-classic movie idea of Madea accidentally going on an Atlantis Cruise. Plus: lube thieves, fisting with Crisco, and a surprisingly passionate discussion about the importance of ordering the right bagel-themed meal.Listen to Sloppy Seconds Ad-Free AND One Day Early on MOM Plus⁠Call us with your sex stories at 213-536-9180!Or e-mail us at ⁠sloppysecondspod@gmail.com⁠⁠FOLLOW SLOPPY SECONDS⁠⁠FOLLOW BIG DIPPER⁠⁠FOLLOW MEATBALL⁠⁠SLOPPY SECONDS IS A FOREVER DOG AND MOGULS OF MEDIA (M.O.M.) PODCASTSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintIn this deep-dive episode of In The Lab, Ruben welcomes back Brent Kesler — creator of The Money Multiplier Method and returning guest from Episode 138 (2021). Four years later, Brent returns with even more clarity, more proof, and more real-world examples of how infinite banking can transform the way entrepreneurs, investors, and families build wealth. Now holding over 30 policies personally, Brent breaks down exactly how he uses IBC to fund real estate, pay off debt, move money through private lending, and build generational wealth inside properly structured trusts. Brent not only does this himself but he's empowered thousands of entrepreneurs to use this vehicle including yours truly — Ruben Kanya. Brent explains why most people misunderstand whole life insurance, how wealthy families have used these strategies for over 200 years, and why “becoming your own banker” gives you control banks never will. He also unpacks the mechanics behind policy design, how to access capital tax-free, why death benefit matters less than cash value, and how to integrate IBC with real estate, business operations, and multi-policy ecosystems.Throughout the conversation, Ruben and Brent explore advanced strategies — from infinite wealth loops to family banking structures, premium flow sequencing, private lending arbitrage, and legacy planning. Brent also shares what's changed since 2021, why more sophisticated investors are now using IBC, and how anyone can start regardless of income level.Tune in now to learn how to take control of your capital, build a long-term wealth engine, and design a financial system that compounds for generations.HIGHLIGHTS OF THE EPISODE:19:08 Brent talks about how entrepreneurs stay broke by bleeding interest instead of building systems.53:03 Brent talk about using policy loans instead of withdrawingKEEPING IT REAL:06:44 – Infinite Banking 101 10:58 – How wealthy families use IBC15:36 – Brent's $984K debt payoff journey19:22 – Cash value explained clearly23:41 – Why whole life (not term or IUL)28:55 – Understanding policy design & funding34:47 – Borrowing against your policy40:12 – Real estate examples using IBC45:58 – Arbitrage, spreads & recycling dollars51:33 – How entrepreneurs misuse debt56:09 – Avoiding policy design mistakes1:02:44 – Using IBC inside partnerships1:08:15 – Trusts, legacy planning & structure1:14:50 – When not to use IBC1:20:18 – Brent's 2026 wealth playbook1:28:07 – Final advice for long-term thinkersCONNECT WITH THE GUESTWebsite: https://themoneymultiplier.com/brent-keslerLinkedin: https://www.linkedin.com/in/thebrentkesler/Instagram: https://www.instagram.com/the.money.multiplier/#InfiniteBanking #IBCStrategy #WealthBuilding #CashFlowBanking #RealEstateInvesting #EntrepreneurMindset #FinancialFreedom #MoneyMastery #WealthCreation #ExperimentNation

Main Idea: "IBC, we must be prepared to remove from us those who hold fast to heresy."1. The Commendation2. The Complaint3. The Caution4. The Encouragement

Predicado en el culto matutino del 25 de enero del 2026 en la Iglesia Bautista Cristiana

Out Print the Fed with 1% per week: https://remnantfinance.com/optionsBook a call: https://remnantfinance.com/calendar ! Email us at info@remnantfinance.com !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 SUBSCRIBEYou've heard us talk about Low Stress Trading for months now. You've seen the testimonials in the chat. Maybe you're still on the fence. This episode is the deep dive—we're breaking down exactly how IBC and options trading work together, running the actual math (even with worst-case assumptions), and sharing real results from clients who started trading less than four months ago.We walk through the order of operations: should you fund your trading account first or pay premium first? How do policy loans actually integrate with a brokerage account? And what happens when the market eventually turns?We also address the elephant in the room—why some people think this is a scam, and why that criticism fundamentally misunderstands how the strategy works.If you've been waiting for proof of concept before jumping in, this episode gives you the numbers and the framework..Chapters:00:00 – Opening segment01:35 – Credit card discussion04:42 – IBC + low stress trading integration06:18 – Three core questions we're answering this episode07:43 – Everything financial is connected—your dollars are one ecosystem09:27 – Will the bull market last forever?11:08 – Why it's felt like the bottom could fall out for five years straight13:47 – The importance of growth strategy even within protect-save-grow14:53 – What happens when the market tanks and trading gets harder16:02 – Why having capital on the sideline matters19:03 – Using one policy for investing, one as an untouched emergency fund22:13 – Treating the policy loan as interest-only (and why that's different than a car loan)25:22 – Brian's whiteboard: $50K policy loan compounding at 1%/week28:54 – Year-by-year breakdown with taxes and loan interest factored in37:42 – Worst-case scenario still produces 31% annual returns40:07 – Order of operations: fund premium first or trading first?43:58 – Why protect-save-grow means IBC comes before trading46:47 – Worst-case math revisited: 8% interest, 30% tax, 0.8% weekly returns54:18 – "Best scam I've ever been a part of"58:02 – The value of a structured education vs. free YouTube1:01:37 – Closing thoughts and how to joinKey Takeaways:IBC and trading aren't separate strategies—they integrate. Every dollar in your financial life is connected. Using policy loans to fund a trading account lets your capital work in two places at once: compounding in your policy and generating returns in the market.The math works even under worst-case assumptions. At 8% loan interest, 30% taxes, and only 0.8% weekly returns, a $50K policy loan still produces roughly 31% annual returns. With more realistic numbers, the results are dramatically better.Order of operations matters. Fund your IBC premium first, then borrow against it to trade. This keeps protection in place, maximizes tax benefits, and lets your policy cash value grow uninterrupted.You control everything. Trades happen in your own brokerage account (Schwab, Robinhood, etc.). No one else touches your money. The "scam" criticism misunderstands the structure entirely.Real clients are seeing real results. Members of our trading group are reporting 1%+ weekly returns, with some replacing significant portions of their income in under four months.Having capital on the sideline matters. When the next market downturn comes, those with cash available in their policies will be positioned to buy at the bottom

In today's Banking With Life Q&A, James answers questions such as, “Does a high policy loan interest rate break IBC®?”, “Does Infinite Banking actually solve fractional reserve banking?”, and “If all money eventually passes through banks, what does ‘controlling the banking function' really mean?” As always, we hope you enjoy and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Chris Naugle ( @TheChrisNaugle ) & Caleb Guilliams go head-to-head debating whether you should borrow against your whole life insurance policy to purchase cars and other liabilities. They disagree over the math and opportunity cost, as well as comparing their philosophies behind their positions. Watch the full interview: https://youtu.be/m2goBXyB27M Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 - Introduction 00:18 - Why Use IBC for Cars? 01:35 - Calculating the Cost of Financing vs. IBC 02:24 - Negotiating a Car Price While Using IBC 03:35 - Dealerships Making Money on Financing 04:20 - IBC is a Process 06:06 - Volume vs. Rate 06:34 - The 4% Loan vs. 6% Policy Loan Scenario 07:38 - Chris Disagrees and Explains the APR 09:35 - Modeling the Math (Chris vs. Caleb) 10:48 - Paying Back the Policy at the Bank's Rate 12:33 - Loan Repayment vs. New Premium 13:28 - Opportunity Cost and Capital 15:07 - Disagreement on the Logic 16:24 - Personal Preference for Moving Capital 18:57 - An Alternative Strategy (Leasing and Reinvesting) 20:24 - Consistency in Teaching Money Concepts ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: 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.

FAA Medical Disqualification Just Cost You $300k (Here's How to Protect It)Are you flying your finances blind? For many airline pilots, a $300,000 annual income is just one medical disqualification away from becoming zero. In this episode, Paul Fugere and David Befort discuss why traditional financial planning—like locking wealth in a 401k or the walls of your home—can leave pilots grounded and liquid-poor when they need cash the most.We dive into the "financial walk-around" every pilot needs to perform to ensure their family's safety and their own financial "airworthiness".https://www.thewealthwarehousepodcast.com/In This Episode, You'll Learn:The Fragility of the First-Class Medical: Why 1 in 20 pilots are on long-term disability at any given time.The 260% Danger Zone: Why medical denial rates spike between the ages of 45 and 55.The "No-Brainer" Insurance Rider: How the Disability Waiver of Premium ensures your policy continues to grow even if you lose your ability to fly.Aviate, Navigate, Communicate: Applying the first rule of flight to your money—why liquidity is the "fuel" that keeps your financial engine running.The Power of IBC for Pilots: How to use windfalls like profit-sharing bonuses, back pay, and green slips to build a private "war chest" you control.Key Statistics for Aviators:Nearly 5 out of every 1,000 active airline pilots are denied medical certification annually.Standard long-term disability often only covers 50% of your average paycheck—could you maintain your lifestyle on half your income?.Typical company-provided life insurance (often $1M) may only cover 4-5 years of income, leaving families vulnerable in the long term.About your hosts: https://www.thewealthwarehousepodcast.com/David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Catch up with David and Paul, visit the links below!https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email us!davidandpaul@theibcguys.com

Main Idea: "IBC, do not fear, but be faithful to Christ even unto death."1. The Crisis2. The Call3. The Comfort

Book a call: https://remnantfinance.com/calendar ! Email us at info@remnantfinance.com !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 SUBSCRIBEYou've been listening to the podcast. You've read Nelson Nash. You're sold on IBC. But now what? What actually happens when you reach out to an agency like Remnant Finance?This episode is a behind-the-scenes look at our entire process—from the first intro call to policy delivery and years of ongoing service. We break down the three things you should look for in an advisor (and why only two of them are actually required), explain why we start underwriting before we've finalized your policy design, and get honest about what kind of client we work best with.We also talk about what separates good IBC practitioners from agents who just have a license and a pitch. Spoiler: most people selling life insurance know less about it than you will after a few calls with us. That's not arrogance—our own company reps have told us that.If you're evaluating whether to work with us or someone else, this episode gives you the full picture of what we do, how we do it, and why we do it that way.Chapters:00:00 – Opening segment03:25 – The problem with "I can do IBC" advisors at big firms06:30 – The three credentials: license, company contract, NNI certification08:35 – Why getting a life license is dangerously easy09:45 – Company selection: mutual companies and what makes them IBC-ready10:45 – Captive vs. independent agents13:05 – Why we work with two primary carriers21:05 – What NNI certification actually involves23:45 – Why insurance companies love NNI business (persistency)28:05 – Our process starts: the intro call31:00 – When IBC isn't the right fit (yet)33:00 – Why we filter for worldview—and why that's actually good for you36:45 – "If you have to drag them in, you'll have to drag them around"37:15 – The intake form and application process38:25 – Why we apply for more coverage than you might need43:50 – How underwriting requirements work (the flow chart)47:25 – Strategy calls while underwriting happens in the background52:15 – Policy review: Loom walkthrough vs. live Zoom call55:00 – Policy in force—now what?56:45 – The range of ongoing service: hands-off to hands-on59:00 – There's no industry requirement for ongoing service—ask your agent1:04:45 – Closing thoughts and how to book a callKey Takeaways:A license is just the first step. Getting a life license is easy—memorize a study guide, pay a fee, pass a test. It doesn't mean someone knows how to structure a policy for IBC.Company selection is critical. Only about 10-12 mutual companies can write policies the way Nelson Nash taught. Your agent needs a contract with one of them—and ideally understands the differences between them.Captive agents are limited. If your advisor works for a single company (like Northwestern Mutual), they can only offer that company's products. Independent brokers can match you with the carrier that fits your situation.NNI certification isn't required, but it matters. It's not a legal requirement to sell IBC-style policies, but it signals that an advisor has gone through specific training in Nelson Nash's methodology and stays connected to ongoing education.We start underwriting early—on purpose. The application process takes 4-6+ weeks. We submit it before finalizing your policy structure so the company is waiting on us, not the other way around. Think of it like a mortgage pre-approval.Education happens throughout. Expect 2-4+ calls before your policy is even issued. We want you to understand what you're buying, how it works, and how to use it. This should be the asset you understand the most.

In this episode, the three Mikes revisit a foundational concept of Infinite Banking: banking is a process, not a product. We begin with Mike Everett going back to the basics, walking through how Nelson Nash framed this idea in Becoming Your Own Banker, and grounding it with real-world experience from working with clients in practice—not theory. Then Mike Kwong unpacks how Income Stacking through DIBS and IBC creates a powerful, repeatable system for cash flow, control, and long-term wealth building. Together, the conversation highlights why lasting financial success comes from building sound processes, not chasing products. The post Building Wealth Through Process, not Products appeared first on Life Success Legacy.

Iowa Business Report Tuesday EditionJan. 13, 2026   Joe Murphy, president of the Iowa Business Council, with information on the group's quarterly economic outlook survey, which indicates IBC members are optimistic about the first six months of the new year. 

Caleb Guilliams & Chris Naugle ( @TheChrisNaugle ) showcase a brand new calculator that demonstrates the true value of whole life insurance compared to other assets. They then debate the true math behind buying cars using the infinite banking concept. 00:00 Introduction and Whole Life Insurance Misconceptions 01:17 Defining Infinite Banking Concept (IBC) 02:12 The Role of Whole Life Insurance in IBC 04:26 Insuring Your Greatest Asset (Ability to Earn) 06:08 Societal Shift and Lack of Selfless Thinking 09:31 Keys to Financial Success 11:11 Whole Life Insurance as an Efficient Asset 15:39 The Stigma of Whole Life Insurance 16:30 Whole Life Insurance is Not an Investment 17:39 Uninterrupted Compounding Interest 19:30 Competitive Growth and the Tax Advantage 30:45 Why Chris Naugle Uses IBC for Cars 37:05 Mathematical Debate on Loans and Savings 47:29 Personal Preference and Capital Movement 49:57 Alternative Strategies (Leasing) and Conclusion Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: 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.

Book a call: https://remnantfinance.com/calendar ! Email us at info@remnantfinance.com !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 SUBSCRIBEThis episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next.The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood.Chapters:00:00 – Opening segment01:25 – 2025 macro overview: building resilience against all outcomes05:05 – Fed rate divergence: Japan raising while the US cuts06:55 – The yen carry trade explained10:30 – Quantitative easing: how the Fed creates money through primary dealers13:45 – The Cantillon effect and why Wall Street benefits first15:15 – Congress is the root cause, not the Fed17:05 – Why Austrian economists were partially wrong about 2008 QE19:30 – Will this round of QE hit faster?21:45 – The bond market is calling the Fed's bluff25:45 – The case for growth assets in an inflationary environment28:00 – Forward P/E at 23x: what the metric means34:05 – How forward P/E correlates with 10-year returns40:30 – Why you need both growth and guaranteed savings42:00 – The dual paths of wealth: protection and growth45:15 – The house fire story50:10 – AI as the wildcard disrupting all economic models53:05 – The slow-motion Black Swan we're living through56:45 – The 1994 email clip: we're there again with AI59:00 – Closing segmentKey Takeaways:Two Narratives, One Strategy: The inflation/debasement trade says buy growth assets. Elevated P/E ratios say expect flat returns. Both are valid—which is why you need exposure to both growth and guarantees.The Fed Isn't the Root Problem: Congress can't stop spending. The Fed enables it by monetizing debt through quantitative easing. Until spending stops, money printing won't stop.The Bond Market Doesn't Believe the Fed: Rate cuts should lower mortgage rates. They haven't. The 10-year Treasury is rising because bond buyers are pricing in continued inflation and fiscal recklessness.Forward P/E Matters: At 23x, historical data shows a strong correlation with flat inflation-adjusted returns over the next decade. That's not a prediction—it's a data point worth considering.AI Changes Everything (Maybe): What took 30 years of internet development now happens in 12 months with AI. It could accelerate productivity beyond anything we've measured—or it could be a bubble. Nobody knows. Plan accordingly.Book a call: https://remnantfinance.com/calendar ! The Fed just cut rates. Japan just raised theirs to a 30-year high. The bond market is calling the Fed's bluff. And Congress keeps maxing out credit cards while writing their own spending limit increases. What does this mean for your money—and how do you plan when the signals are screaming opposite things?The Dual Paths of Wealth: You're always walking two roads—protection and growth. Whole life insurance designed for IBC lets you do both simultaneously: guaranteed savings you can leverage into growth assets without abandoning either path.

Long-term care has quickly become one of the greatest financial and emotional pressures facing American families. Rising costs, longer life expectancy, and limited insurance coverage have created a situation few retirees are prepared for. On today's episode of Faith and Finance, Harlan Accola joins us to explore this issue. He leads the reverse mortgage team at Movement Mortgage and works closely with families navigating long-term care decisions.Accola describes long-term care as “the elephant in the room.” As Baby Boomers age and care needs rise, families are trying to balance support for aging parents with raising children and managing their own financial responsibilities. Many households avoid discussing care needs until a crisis forces difficult decisions.The numbers reveal why planning is essential. Studies estimate that between 50% and 70% of retirees will require some level of long-term care during their lives. Yet more than 90% of those individuals have not purchased long-term care insurance—and many assume Medicare will cover the cost of nursing or assisted living facilities. In reality, Medicare provides limited short-term rehabilitation benefits, while long-term care typically falls under Medicaid, which only applies once a person has depleted most of their financial assets.Costs vary widely by region, but nursing facilities can range from $80,000 to $120,000 per year, and in-home care providers may charge $30–$40 per hour. Just one or two years of intensive care can rapidly deplete savings intended to last decades in retirement.One of the most overlooked financial risks is the well-being of the surviving spouse. Accola notes that husbands often require extensive care first, and the assets used to pay for their care can leave their wives financially vulnerable after their passing. Without adequate planning, the surviving spouse may face an underfunded retirement and fewer choices for her own care needs.To address this gap, families are encouraged to expand their planning tools. One strategy Accola highlights is to tap housing wealth through reverse mortgages. Because many retirees have significant equity tied up in their homes, a reverse mortgage can unlock funds without requiring monthly payments. These tax-free dollars can be used to pay for in-home care, cover long-term care insurance premiums, or bridge the gap between retirement income and care costs. It also allows individuals to remain at home longer—often delaying or avoiding the need for costly facility care—and preserves retirement accounts for the surviving spouse.Accola emphasizes that reverse mortgages are not a universal solution, but they should be included in the suite of planning options that families evaluate, alongside insurance, savings strategies, and Medicaid planning. Far too many households ignore the issue entirely or assume Medicare will handle it.As long-term care needs continue to rise, proactive planning is no longer optional. Exploring the full range of financial tools available can reduce stress, protect surviving spouses, and provide dignity and stability during the later stages of life.On Today's Program, Rob Answers Listener Questions:I'm 66 and plan to retire at 70. I can take full Social Security at 66 and 10 months. Should I start benefits now while continuing to work full-time, or wait? If I take it now, should I place the funds in an IUL, an IBC strategy, or invest through my Edward Jones account?I've borrowed from my 401(k) several times over the past decade and paid myself interest. Since I hate paying interest on loans like auto loans, is borrowing from my 401(k) a better option than taking a regular loan? If an auto loan is at 5–6%, would it be better to borrow directly from the bank?If I make small extra payments each month on my mortgage and loan, is that roughly equivalent to making a single lump-sum principal payment each year, or does the timing make a difference?I have a question about IRA beneficiaries. If someone inherits an IRA, what would the tax implications be, and is there a better way to pass the money on than simply naming a beneficiary?My husband and I are 45 and 50, and we're considering a 1031 exchange on a property with about $250,000 in capital gains and $15,000 remaining on the mortgage. Should we move forward with the exchange, or would a different strategy make more sense?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Did you know that successful investors don't outgrow Infinite Banking? They just learn why paying cash quietly erodes their wealth. In today's conversation, the financial coaches take a deeper look at whether Infinite Banking still makes sense for seasoned investors with passive income already flowing. They explain why high-income earners and experienced investors should rethink how they use cash and how IBC becomes even more valuable as wealth grows. The coaches explain the hidden cost of paying cash for deals, the concept of cash drag, and how wealthy institutions use dividend-paying whole life insurance to create liquidity, protection, and long-term compounding.Listeners will learn why IBC is not just a beginner's tool, but a system that scales with them as their portfolio expands. This discussion helps investors determine whether Infinite Banking strengthens or slows their wealth-building strategy and teaches them how to build a financial system that supports smarter investing decisions.Top three things you will learn:-Why Infinite Banking becomes more valuable as investors scale their portfolios-How cash drag destroys returns and how IBC keeps money compounding-How to use IBC to build a long-term wealth engineDisclaimer: 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.

Visit our website:https://www.thewealthwarehousepodcast.com/With the end of 2025 in sight, Dave and Paul wrap on what real clients taught them about practicing Infinite Banking.From why more families are starting kids' policies and how planning ahead with convertible term keeps future options open, to simple ways disciplined loan repayment can supercharge your system. Additionally, they dig into capturing big annual expenses as premium, building your IBC “tribe,” and a quick tease on changes coming to the show in 2026.If you're serious about using IBC in everyday life, this one's a clean checklist of what to do next. Tune in, take notes, and head into January with a plan.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:01 - Episode beginning2:54 - What we've learned over the last year4:51 - Family and legacy8:03 - Planning ahead, windfalls13:24 - Opportunities18:51 - Paying loans24:11 - Capturing big, annual expenses25:52 - Shared minds, “finding more room”28:19 - Referrals30:14 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Joe Withrow, Brian Moody, and Hans Toohey deliver a joint strategy session on building a financial foundation that survives contact with reality. Why does traditional financial planning put growth before protection? What happens when your plan gets punched in the face? And why is Infinite Banking the only savings vehicle that accomplishes two critical goals simultaneously?Most people have been trained to think their 401(k) is savings and their term life insurance is "just in case." They're told to focus on growth—index funds, average rates of return, retirement projections—while protection and actual savings become afterthoughts. But when job loss hits, disability strikes, or markets crater, the whole plan collapses. This episode reveals the proper order of operations: protect first, save second, grow third. Hans breaks down why "average rate of return" is a meaningless data point. Brian illustrates the parallel paths of protection and wealth accumulation with the diagram that makes it all click. And Joe explains why buying insurance isn't an expense if you do it correctly—it's saving money that immediately becomes accessible capital.The conversation covers IBC mechanics, policy loans that don't disrupt compounding, real estate purchases funded with cash value, the power of dinner table time for passing down values, and why building generational wealth starts with one decision: get the foundation right, then everything else becomes possible.Chapters:00:00 - Opening segment01:25 - New Year's resolutions: tangible goals vs. vague aspirations08:50 - The invention of "Retirement Inc." in the 1970s11:05 - Protect, Save, Grow: the proper order of operations13:10 - What traditional CFPs get wrong about protection14:35 - Why "average rate of return" is a useless metric16:40 - Brian's parallel paths diagram begins19:30 - The two parallel paths: protection and wealth accumulation22:30 - What can disrupt the wealth curve? (audience participation)25:50 - Poor investment decisions: the most common sabotage27:05 - Infinite money printing: Congress is the real villain30:05 - Low Stress Options trading: the 1% per week framework32:25 - Why people abandon the framework (and regret it)33:00 - Systematizing savings: DCA into gold and Bitcoin every week36:25 - UPMA for fractional gold ownership37:45 - IBC: not an expense, it's saving money39:15 - The kids' policies: $3,000 payment = $3,500 cash value40:10 - Legal protection: equity in life insurance vs. bank accounts41:15 - Brian: IBC's rate isn't big compared to investments, but...42:50 - Whole life matches a guaranteed event (death) with guaranteed outcome44:30 - Joe's real estate purchases funded by policy loans45:30 - Hans breaks down policy loan mechanics (not simple interest)47:40 - Annual compounding with principal-only repayments48:15 - Hans's approach: keep loans levered for LSO trading49:45 - Cash doesn't find opportunities, opportunities find cash51:00 - Brian's land purchase: opportunity requires capital53:10 - Making purchases for freedom and security, not money itself59:30 - Actionable next steps1:08:40 - Heritage over inheritance: building bloodline strength1:09:30 - The Five Pillars: financial is just one piece1:10:10 - Passing down American values and family culture1:12:25 - Dinner table time: 90 minutes in the '70s vs. 11 minutes today1:14:30 - Start at your locus of control and expand outward1:15:20 - Multi-generational thinking: buying IBC for grandkids1:27:00 - Closing segmentVisit 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 SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Is your money working as hard as it could? In this episode, Cameron Christiansen and Anthony Faso discuss the critical topic of dividends and their role in infinite banking (IBC). Dividends aren't just industry news—they directly impact the cash value of IBC policies, loan repayment flexibility, and the potential to redeploy capital into passive income opportunities. While most investors view dividends as a general industry trend, IBC users understand their deeper importance. Cameron and Anthony explain the difference between a dividend and the dividend interest rate (DIR), why understanding these metrics matters for IBC, and how companies such as Penn Mutual, Lafayette Life, and MassMutual have shown steady dividend growth year after year. You will learn why you shouldn't focus solely on the dividend rate, but also pay attention to your insurance company's overall financial health.  Tune in for insights on how smart IBC users leverage dividends to build more flexibility, control, and growth. In This Episode: - Definition of dividends and the dividend interest rates - Why dividends matter for IBC users - Penn Mutual, Lafayette Life, and MassMutual's dividend performance - Why some companies don't declare their dividend interest rates - Why you shouldn't focus solely on the dividend rate - What do dividends mean for people practicing infinite banking? - How dividends impact cash value and loan repayment flexibility - Why looking at the dividends and dividend rates matters   Resources: 

Brian breaks down the most misunderstood aspect of Infinite Banking: loan repayments. Why do we pay ourselves back at market rates? What does EVA actually mean? And what happens when you pay yourself more than the insurance company charges?Most people think being their own banker means they can be loose with repayment—skip payments, pay whenever, charge themselves whatever rate feels right. You can, per the contract. But should you? This episode reveals why maintaining market-rate discipline for the full loan duration is what separates wealth builders from people who just talk about IBC. Brian explains where that "extra interest" actually goes, how to decide how much to pay against your loan, and how Parkinson's Law can destroy generational wealth before it ever gets started.Discipline is what builds legacy wealth. Without it, you're just the worst kind of bank: one with no standards, no discipline, and ultimately no capital.00:00 - Opening segment00:40 - Introduction: Why loan repayments trip people up01:30 - Policy loan mechanics: you're not withdrawing, you're borrowing02:10 - Economic Value Added (EVA): the fundamental principle03:05 - Why people go sideways: thinking interest doesn't matter03:30 - Nelson Nash's recommendation: pay market rates for full duration04:40 - What "market rates" actually means05:20 - Maintaining discipline that creates wealth06:30 - The $30K car loan example at 5% over 5 years07:25 - Where does the extra interest go when you pay yourself more?08:30 - The insurance company doesn't care what rate you calculate09:30 - Should you keep paying after the loan is satisfied early?11:00 - Where most people sabotage themselves: the early payoff trap11:30 - Parkinson's Law: expenses rise to meet income12:50 - What to do when your PUAs are maxed out14:00 - Capital deployment vs. consumption: know the difference14:20 - Parkinson's Law destroys generational wealth16:00 - The temptation to "save on interest" (you're paying yourself)17:00 - "But I can make more investing elsewhere" - the speculation trap18:10 - IBC isn't about loopholes, it's about discipline19:10 - Practical implementation: set up auto-pay, treat it like any loan19:40 - The $40K truck example: paying 7% when insurance charges 5%22:30 - Decision tree when your policy is truly maxed26:15 - Income doesn't equal wealth: the $500K pilot who's broke27:00 - The $80K family building dynastic wealth28:40 - Final recap: market rates, full duration, have a plan30:00 - EVA: every loan should create value, every payment should build30:45 - If your practitioner says rates don't matter, run31:20 - The Moody Family Creed and how it applies here31:50 - Closing thoughtsEconomic Value Added (EVA): The fundamental question: did the thing you financed produce more value than the loan cost you? Borrow at 5%, asset returns 8% = positive EVA. Borrow at 5%, thing depreciates = negative EVA.Pay Yourself Market Rates: Nelson Nash recommended paying loans back at market rates or higher— at least what you'd pay elsewhere for similar financing. This maintains the discipline that creates wealth.The Full Duration Principle: Even if you pay a loan off early by using higher interest rates, keep making those payments for the full original term. A 5-year loan means 5 years of payments to your system. The Early Payoff Trap: This is where most people sabotage themselves. 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 SUBSCRIBEChapters:Key Takeaways:Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

249: In this episode, I'm talking with intuitive money coach Danielle McKinley about money stories, contentment, and the infinite banking concept (IBC), a strategy I've personally used for the past five years.(Show Notes: REtipster.com/249)We dig into why her nine-figure software exit felt strangely empty, how childhood money trauma shaped her drive for safety, and how she created a “contentment filter” to build wealth that actually supports the life you want… instead of chasing numbers that don't make you any happier.Then we take an honest, non-pitch look at infinite banking:What it is (in plain English),How real estate and land investors can use it,How it really compares to 401(k) loans,Why banks quietly use the same strategy, andHow to avoid getting sold the wrong life insurance policy with huge commissions.If you've heard about using whole life insurance as your “personal bank” for deals, but you're confused or skeptical, this conversation will clear up a lot.