Podcast appearances and mentions of pamela yellen

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Best podcasts about pamela yellen

Latest podcast episodes about pamela yellen

Not Your Average Financial Podcast™
Episode 385: How Does Dave Ramsey Not Get Sued for this?

Not Your Average Financial Podcast™

Play Episode Listen Later Jan 17, 2025 35:27


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

Not Your Average Financial Podcast™
Episode 365: Retirement Savings Sabotage! Why 90 Percent of IULs Fail… and What To Do

Not Your Average Financial Podcast™

Play Episode Listen Later Aug 30, 2024 36:52


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

Not Your Average Financial Podcast™
Episode 360: [Mailbag] Is Life Insurance an Investment? and Other Hot Topics from Our Listeners!

Not Your Average Financial Podcast™

Play Episode Listen Later Jul 26, 2024


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

Finances Fondamentales
68 - « The Bank on Yourself Revolution » de Pamela Yellen

Finances Fondamentales

Play Episode Listen Later Mar 12, 2024 42:38


Dans ce 68e épisode, je fais la synthèse du livre « The Bank on Yourself Revolution » de Pamela Yellen publié en 2016 à partir de cinq éléments clés à retenir : 1. C'est QUOI cette révolution? 2. POURQUOI la mettre en place? 3. COMMENT le faire? 4. Ma prise de position… 5. Un exemple concret!   Abonne-toi pour soutenir mon travail et obtenir un épisode supplémentaire chaque mois : https://podcasters.spotify.com/pod/show/financesfondamentales/subscribe   Je t'invite aussi à suivre la page Facebook « Finances Fondamentales - éducation et investissement » pour avoir accès à l'image synthèse de l'épisode et pour me poser tes questions. Page Facebook : ⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100088196588852⁠⁠⁠⁠   Tu pourras également y consulter l'analyse fondamentale des compagnies de la semaine, soit : 1) Steel Dynamics (STLD); 2) Monolithic Power Sytems (MPWR); 3) QuidelOrtho Corporation (QDEL) et 4) Alphabet (GOOG).   Gmail: ⁠⁠⁠⁠Financesfondamentales@gmail.com⁠⁠⁠⁠   Avertissement : Je ne suis pas conseiller financier et mes synthèses sont naturellement teintées par ma subjectivité. Tu dois effectuer tes propres recherches et développer TA littératie financière avant d'investir. Les informations communiquées dans le podcast sont dans un but strictement éducatif et ne constituent pas un conseil d'investissement. Je ne suis pas responsable de tes décisions financières personnelles.

Not Your Average Financial Podcast™
Episode 339: How Bank on Yourself® Solves the Four Greatest Dangers to Your Retirement

Not Your Average Financial Podcast™

Play Episode Listen Later Mar 1, 2024 30:18


In this episode, we ask: Who do you know who needs to hear this? Would you like a free book? What are the four greatest dangers to your retirement? Did you hear Episode 338? How does the Bank on Yourself® type whole life insurance policy solve these dangers? What does Pamela Yellen do to protect...

Gathering The Kings
Paying Off Debt? How Dave Ramsey Got It Wrong w/ Mark Willis CFP

Gathering The Kings

Play Episode Listen Later Dec 22, 2023 52:46


Join Chaz Wolfe and Mark Willis CFP as they delve into insightful conversations around building wealth in and outside of business. Mark shares his unique financial strategy, the Debt Snowbank Method which is designed to give entrepreneurs greater control over their finances. He also provides valuable advice for new and established entrepreneurs, emphasizing the importance of strategic conversations, setting processes, and understanding the implications of financial decisions. This podcast showcases crucial strategies for financial independence and will resonate with anyone seeking to understand financial planning within the framework of entrepreneurship. 00:00 Introduction 00:57 Mark's Comprehensive Business Overview 04:47 Unveiling the Realities of Stock Market Returns 08:45 Mastering Financial Autonomy: The Power of Being Your Own Bank 14:28 Emphasizing the Importance of Financial Responsibility 22:56 Decoding the Debt Snowbank Method for Financial Planning 25:12 Exploring the Liquidity and Flexibility of Cash Value in Finance 27:26 The Big Picture in Finance: Guarantees, Liquidity, & Tax Advantages 28:47 Adopting the Barbell Strategy for a Balanced Financial Portfolio 30:05 The Entrepreneurial Perspective on Achieving Financial Equilibrium 32:42 Initiating the Journey: How to Start Implementing Effective Financial Strategies 34:18 Understanding the Role of Processes in Successful Business Operations 36:14 The Strategic Value of Ignorance in Business and its Role in Growth 44:46 Navigating the Pitfalls of Striving for Balance in Life and Business 48:55 Valuable Advice to My Younger Self: The Courage to Start BigBooks and Resources Recommended:Antifragile: Things That Gain from Disorder by Nassim Nicholas Nicholas Talebhttps://www.amazon.com/Antifragile-Things-That-Disorder-Incerto/dp/0812979680Bank On Yourself by Pamela Yellen https://www.amazon.com/Bank-Yourself-Revolution-Control-Financial-ebook/dp/B00HSSCFMS/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1701204168&sr=1-1Let's Connect!Mark Willis CFP:Website: https://nyafinancialpodcast.com/LinkedIn: https://www.linkedin.com/in/marklakegrowth/Website: Kickstartwithmark.comInstagram: https://www.instagram.com/notyouraveragefinancial/Chaz Wolfe (Host): Linktree: https://linktr.ee/chazwolfeWebsite: www.gatheringthekings.comFacebook: https://www.facebook.com/chazwolfe/Facebook: https://www.facebook.com/gatheringthekingsInstagram: https://www.instagram.com/gatheringthekings/LinkedIn: https://www.linkedin.com/in/chaz-wolfe-86767054/Linkedin: https://www.linkedin.com/company/91415421/TikTok:

Going Long Podcast with Billy Keels
Become Your Own Source of Financing To Add Control To Your Investing Journey - Mark Willis

Going Long Podcast with Billy Keels

Play Episode Listen Later Oct 2, 2023 38:17


Going Long Podcast Episode 356: Become Your Own Source of Financing To Add Control To Your Investing Journey   ( To see the Video Version of today's conversation just CLICK HERE. ) In the conversation with today's guest, Mark Willis, you'll learn the following:   [00:27 - 02:00] Show introduction with comments from Billy. [02:00 - 07:13] Guest introduction and first questions. [07:13 - 12:35] The backstory and decisions made that led Mark to this point in his journey. [12:35- 19:25] Mark explains what it means to be in control of your own banking, and how it can completely change your financial situation. [19:25 - 22:57] How Mark came to realise that people can be the source of their own financing. [22:57 - 27:15] We learn about the pros and potential cons of being your own banker. [27:15 - 30:15] Mark explains what he means when he says he is a fiduciary, and what scope that covers in terms of investments.   Here's what Mark with us during today's conversation:    Where in the world Mark is currently based: Chicago, Illinois. The most positive thing to happen in the past 24 hours: Mark enjoyed Labor Day with his family! Favourite place in Europe: Madrid, Spain. A mistake that Mark would like you to learn from so that you don't have to pay full price: Failure is a lesson, so learn how to do it well! Book Recommendation: The Bank on Yourself Revolution, by Pamela Yellen.  https://www.amazon.co.uk/Bank-Yourself-Revolution-Control-Financial/dp/1942952104  Be sure to reach out and connect with Mark Willis by using the info below:      Mark's podcast: https://podcasts.apple.com/us/podcast/not-your-average-financial-podcast/id1288766770  Website: https://kickstartwithmark.com/  To see the Video Version of today's conversation just CLICK HERE.   How to leave a review for The Going Long Podcast: https://youtu.be/qfRqLVcf8UI     Start taking action TODAY so that you can gain more Education and Control over your financial life. Be sure to connect with Billy!  He's made it easy for you to do…Just go to any of these sites:   Website: www.billykeels.com Youtube: billykeels Facebook: Billy Keels Fan Page Instagram: @billykeels Twitter: @billykeels LinkedIn: Billy Keels

Average Joe Finances
Accepting Responsibility for All Aspects of Your Life with Jerry Fetta

Average Joe Finances

Play Episode Listen Later Jun 28, 2023 37:42


Join Mike Cavaggioni with Jerry Fetta on the 202nd episode of the Average Joe Finances Podcast. Jerry shares the key steps and strategies that will enable you to attain the desired outcome of complete financial independence. In this episode, you'll learn:The journey towards financial freedom through education and responsibility.Exercising due diligence to maximize profits in private fund investing.The concept of real estate investment strategies and their ability to catapult your financial success.Valuable insights into the world of leveraging debt and credit to foster wealth.The steps needed to assemble a steady passive income flow through the utilization of hard assets.And much more!Key moments:00:01:38 - Jerry's Background00:03:14 - Rebuilding and Rebranding00:08:13 - Lessons Learned00:11:23 - Ignoring Red Flags00:12:53 - Volatility in Different Markets00:14:09 - Taking Responsibility and Avoiding Victim Mentality00:18:23 - Learning from Mistakes and Maintaining a Positive Mindset00:20:29 - Investing in Hard Assets and Turnkey Properties00:26:04 - Importance of Due Diligence and Inspections00:27:39 - The Risks of Waiving Inspections00:29:09 - The Benefits of Inspections and Risk Management00:30:10 - Protecting Your Assets and Liability Insurance00:35:06 - Importance of Building Knowledge and SavingAbout Jerry Fetta:Jerry Fetta Is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor, and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, and New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen. Jerry's mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.Find Jerry on:Website: www.wealthdynamx.comFacebook: https://www.facebook.com/jerry.fettaInstagram: https://www.instagram.com/jerryfetta/LinkedIn: https://www.linkedin.com/in/jerry-fetta/Twitter: https://twitter.com/JerryFetta Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://themikecav.comShow Notes add on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* www.averagejoefinances.com/disclaimerSee our full episode transcripts here: www.averagejoefinancespod.com/episodesSupport the show

Wealth Matters By Alpesh Parmar
322: How to become financially free like the Top 1% with Jerry Fetta

Wealth Matters By Alpesh Parmar

Play Episode Listen Later May 18, 2023 35:06


Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen. Jerry's mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them. Jerry gave away his first business to a colleague and restarted with nothing. He founded Wealth DynamX, a Wealth Creation Firm, that helps clients across the U.S. build wealth. He has clients around the world, numerous employees and literally helps change people's lives with finances. Jerry Fetta helps make finances simple, true, and applicable. Jerry is married to his wife and business partner, Lexy, and together they have achieved financial independence in their own lives before the age of 30 and want to help as many families as they can to do the same! *DISCLAIMER - We are not giving any financial advice. Please DYOR* (00:00 - 02:29) Opening Segment - Jerry is introduced as the guest Host - Jerry shares something interesting about himself (02:29 - 26:36) How to become financially free like the Top 1% -How to Build Wealth Like the Top 1%: The Step-by-step Sequence to Achieve True Financial Freedom -How to Make Money While Paying Off Debt & Making Debt an Investment to Your Future -Why Passive Income Should Be Greater Than Savings + Expenses + Taxes -The Opportunities of Alternative Investing & What You Need to Know -How to Not Pay Your Taxes & Get Away With It! -The Basics of Gold & Silver: -The FED invests BILLIONS maybe you should too! -Longest standing currency that has a 6 thousand year track record of success -How hard assets can protect you against inflation (26:36 - 34:04) Fire Round - Jerry shared if he would change his investment strategy - Jerry also shares his favorite Finance, real estate book, or any related book - Also Thomas shared about the website and tools that he can recommend - Jerry's advice to beginner investors - Also shared how he gives back (34:04 - 35:06) Closing Segment -If you want to learn more about the discussion, you can watch the podcast on⁠⁠⁠⁠⁠⁠ Wealth Matter's YouTube channel ⁠⁠⁠⁠⁠⁠and you can reach out to Alpesh using this ⁠⁠⁠⁠⁠⁠link⁠⁠⁠⁠⁠⁠. Check us out at: Facebook: ⁠⁠⁠⁠⁠⁠@wealthmatrs⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠IG: @wealthmatrs.ig⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Tiktok: @wealthmatrs⁠⁠

Troy Talks
Unlocking Cash Value Growth Secrets with Sarry Ibrahim

Troy Talks

Play Episode Listen Later Apr 22, 2023 31:44


After helping his clients transition from employer-based plans to individually owned ones, Sarry Ibrahim stumbled upon a revolutionary way to help them build wealth and achieve financial freedom - a way no one saw coming. Discovering the power of "The Bank on Yourself Revolution" by Pamela Yellen, Sarry committed to debunking the myths and guiding his clients towards a tax-free retirement. But what could this unexpected twist be? Become your own source of financing, for you to grow tax-free retirement and other benefits. My special guest is Sarry Ibrahim Introducing Sarry Ibrahim, a financial expert specializing in cash value growth and tax-free retirement strategies. Sarry, the founder of Financial Asset Protection, is dedicated to helping high-net-worth individuals secure their retirement accounts, real estate properties, and businesses from market failures and other risks. With an MBA from Keller and experience at renowned companies like Blue Cross, Allstate Insurance, and Cigna, Sarry brings a wealth of knowledge to the table. His unique approach emphasizes both safety and accessibility for clients' money, making him a valuable resource for those looking to optimize their financial strategies. This is Sarry Ibrahim's story: Sarry Ibrahim was working with clients, helping them transition from employer-based plans to individually owned ones when one of them asked for help with a life insurance policy that builds cash value. Intrigued by the concept, Sarry set out on a quest for knowledge and stumbled upon the book "The Bank on Yourself Revolution" by Pamela Yellen. As he delved into the concept of infinite banking and learned how it could benefit people in various financial situations, Sarry realized the potential it held for his clients. With a newfound passion, Sarry became a Bank on Yourself professional, focusing on helping small business owners, real estate investors, and full-time employees use this strategy to become their own banker. In this episode, you will be able to: Discover the potential of infinite banking with whole life insurance policies. Uncover effective cash value growth and tax-free retirement strategies. Develop personal finance management skills through a banking mindset. Understand the differences between term life insurance and whole life insurance. Recognize the importance of collaborating with knowledgeable financial advisors. The resources mentioned in this episode are: Read the book The Bank on Yourself Revolution by Pamela Yellen to learn more about the infinite banking concept and how to utilize cash value whole life insurance for self-banking purposes. Consult with a trusted and competent financial advisor who specializes in cash value whole life insurance for self-banking purposes to ensure proper policy structuring and to fully understand the benefits of incorporating this strategy into your financial planning. Consider incorporating infinite banking into your financial planning if you are a small business owner, real estate investor, or full-time employee looking to become your own source of financing and grow a tax-free retirement. Ensure that the whole life insurance policy you choose aligns with your objectives and comes from a mutually owned insurance company, has a paid-up additions rider, is a non-direct recognition company, and is a whole life insurance policy. Connect with Sarry Ibrahim here: Website: https://finassetprotection.com/ Linked: https://www.linkedin.com/in/sarry-ibrahim-mba-ltcp-bank-on-you/ Connect with Troy Holt here: Website: https:///www.troyholt.com⁠ LinkedIn: https://www.linkedin.com/https://www.linkedin.com/in/troydholt Twitter: https://www.twitter.com/https://www.twitter.com/https://twitter.com/TroyTalksMoney Facebook: https://www.facebook.com/https://www.facebook.com/profile.php?id=100063546310389 --- Support this podcast: https://podcasters.spotify.com/pod/show/troy-holt/support

Creating Wealth Real Estate Investing with Jason Hartman
1986 FBF: Ethics and Public Policy with John Stapleford - Senior Economist for Moody's Economy.com

Creating Wealth Real Estate Investing with Jason Hartman

Play Episode Listen Later Apr 14, 2023 28:13


Today's Flashback Friday is from episode 125 published last October 24, 2009. No, the above title is not a typo. According this week's Creating Wealth Show guest, John Stapleford, it is possible for ethics and public policy to have a direct correlation. Stapleford is not only a senior economist for Moody's Economy.com, professor emeritus of economic development at Eastern University and former director of the University of Delaware's Bureau of Economic Research but is also the well-known author of Bulls, Bears & Golden Calves. This book provides clear guidance for identifying and discussing important ethical issues connected to an economy's organization and public policy issues from a faith-based foundation. Tune in to this two-part series and discover the crucial reasons why the study of economics should not be disconnected from ethical concerns. Upcoming shows will feature: Pamela Yellen, founder and President of Bank on Yourself and John Stapleford's closing episode to his two-part series on ethics and public policy.   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Working Capital The Real Estate Podcast
Simplify Your Financial Plan with with Mark Willis | EP138

Working Capital The Real Estate Podcast

Play Episode Listen Later Feb 27, 2023 38:03


Mark is a Certified Financial Planner, a three-time #1 Best Selling Author and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. Over the years, he has helped hundreds of his clients take back control of their financial future and build their businesses with proven, tax-efficient financial solutions. He specializes in building custom-tailored financial strategies that are unknown to typical stock jockeys, attorneys, or other financial gurus. As host of the Not Your Average Financial Podcast™, he shares some of his strategies for working with real estate, paying for college without going broke, and creating an income in retirement you will not outlive.   In this episode we talked about: Mark's Background Getting Started as a Financial Planner Approaching Clients Be your Own Bank  First Few Questions to ask Real Estate Investors Debt Aspect Mark's Advice to Beginners in Real Estat Useful links: https://kickstartwithmark.com/ The book “The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future” by Pamela Yellen Transcription: Jesse (0s): Welcome to the Working Capital Real Estate Podcast. My name's Jessica Galley, and on this show we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, you're listening to Working Capital, the Real Estate Podcast. My name's Jesse for Galley, and my guest today is Mark Willis. Mark is a certified financial planner, a three-time best number, one best-selling author, and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois, and co-host of the not your average financial podcast.   Mark, how you doing today?   Mark (42s): Doing great, Jesse. Thanks for having me on.   Jesse (44s): Well, a pleasure to have you on. I know that we, we chatted a little bit before, I thought listeners, you know, whether they are investing in real estate, are interested in entrepreneurship and business, that they would get some value about having you on as a guest. And you can talk a little bit about your, your story and, and kind of what you bring to the table in terms of the financial world. But before we do that for listeners, you know, that don't know who Mark Willis is, why don't you give us a quick background of your background for listeners and we can, we can kick it off from there.   Mark (1m 18s): Sure, yeah. Well, I've, I've had the great privilege of working with clients all over the country, us, Canada, and around the world. I've been able to serve many business owners, real many real estate investors, even some N F L Super Bowl champions. But Jesse, most people I work with are just interested in having a bit more certainty, you know, assurance and maybe, I guess, you know, the belief that they're gonna actually achieve what they're trying to do. I feel like a lot of people are frustrated with their real estate portfolio, their financial lives, because what they attempt to do is just not working or it's not working efficiently.   So a lot of people who come to me say, mark, I feel like I'm just floating down the gutter of life and I, I can't seem to catch, catch on to a a, a log to move upstream financially. I can't swim upstream. So what we get to work with, and I have the, you know, great honor to do this is work with clients that wanna move upstream financially and become, you know, more in control of their financial future.   Jesse (2m 18s): That makes sense. And, and I like it. Appreciate that. That kind of, I guess, philosophy or goal for, for what you do, for your, for your background. You mentioned, you know, before that, how you got into this business. We talked a bit about 2008, and if for listeners that don't know, you know, your background originally was not kind of being the self-employed, the financial planner helping people out. So how did, how did you get, get started in that and, and where you are today?   Mark (2m 48s): Yeah, well, I, I certainly didn't grow up wanting to be, or even knowing what a financial planner was. So I think the, the first inclination that money was a part of my life was as I graduated college, sadly enough, I just never paid attention to money and found myself in debt up to my eyeballs in the middle of a great worldwide recession, you know, six figures of student loan debt and no plan to pay the thing off, Jesse.   It was, it was like a mortgage around my neck. It was like a, a weight pulling me down. And given that I had no plan to pay the thing off, it was just becoming worse and worse. And it was a surprise to me that there was no training, no education on money or money management for all of the education you get in college. It was surprising that there was no real basic budgeting pla class or whatever, at least not where I went to school. So, yeah, it got me really focused really fast when I realized that, oh yeah, these guys want me to pay them back.   So that was a surprise. And I got into a couple of businesses, you know, worked my tail off for a couple years in the middle of a recession where no one was hiring, did every job I could find, including some property management positions, which put me under the, under the, under the, in, into the darkest place you could probably imagine, which is under an elevator that's being serviced. And I'm there with a, a shop vac sucking out God knows what to clean this thing out.   And I'm, I'm hoping that they don't snap the wire and end me right there, you know, so that was the, that was the service I had to give the debt, slavery I had to give to my slave masters, Nelnet and Sally Mae and all the rest of the banksters that had a, you know, a knife to my throat as I was trying to pay off all this debt. Fast forward a little bit, I was working for a C P A trying to get my bearings on, on income, and I was listening to her. I was mainly doing tax prep and I was listening to her as I was doing some tax prep.   I would overhear the calls where she would be discussing retirement plans for her clients. I wasn't doing the investing necessarily at that point, I was just tax prep guy, but she would have those calls and it was the calls that you never want to have as a financial professional where you have to tell the client, I'm sorry, Mr. Client, I know you're 63, I know you're about to retire, but I just lost you half your life savings. Sorry about it. Click, you know, that's a terrible way to run a business. I, I hadn't no desire to have anything to do with it.   And I almost left the financial industry until I found some strategies that had nothing to do with Wall Street that helped us meet our goals without taking a bunch of unnecessary risk. And it also happened to help me pay off my debt too. So it was a, it was a light bulb moment. And in that moment my wife had the, the wherewithal to kick me in the pants and say, start a business, don't be some w2. Go out there and start the business. And at the time I needed to borrow her courage, but I did it, man. I did it.   And that was 11 years ago, almost 12 years ago. And here we are with, you know, several advisors that I get the privilege of working with and a little over 1200 clients around the country and around the world. So it's been a great honor to get to serve clients and help them meet their goals.   Jesse (6m 8s): That's great. And on that point with clients, when it comes down to, you know, you talking about your services for individuals that, you know, for our audience group, real estate investors, people you know, potentially with a portfolio or building their portfolio, how do you approach that type of client differently if, if at all than, you know, your average, your average, say employee of large company? You know, is it, is it a different value add or is it a, a different offer or discussion, you know, with real estate investors?   Mark (6m 38s): Well, I'll tell you what, I, you know, I think one of the best parts of being a business owner is you get to pick your clients after a certain point. And, you know, maybe not the very beginning, but at some point you really begin to say, I want this kind of person in my life. And that's a beautiful thing. Cuz if you're a w2, you get basically got one client and that's your boss. But yeah, when you, when you get to work with real estate investors, business owners, they make up the vast majority of our clients. Not everybody, certainly not, but a good chunk of our clients want some agency in their life.   I believe that in many ways, part of the reason why people stumble into this insanity known as real estate investing or business ownership. And I say that with all the, the positive regard I can, being both of those things, real estate investor and business owner, the insanity of it all is you take on a lot of risk. I mean a lot of risk, but you get access to the dial on your life. You're not just a thermometer, you're a thermostat. You get to dial up the temperature, dial down the temperature.   You, you, you gotta understand, as a financial planner, we all swim in this thing called finance money. Money is the environment where we live most of our lives. It's half of every transaction. It's certainly not the, the most important thing in your life, but, but I do believe money touches the most important things of our life, our legacy, our children, our marriage, our health, our future, you know, these things, our retirement, our, you know, our, our capacity to feel secure.   So when we, when we have some manner to engage the environment in which our entire life lives, we feel a sense of security there. And so yeah, when you've got a, a business or you've got a real estate portfolio, then you can manage to manipulate the environment where you're living, you feel at ease. Much like dialing up the thermostat when it's 22 below, like it might be in, in Chicago here today or in Toronto there tomorrow.   Jesse (8m 43s): Hmm. Yeah, fair enough. And in terms of the actual, the technical aspect of, you know, a real estate investor comes to you and, you know, as opposed to say somebody that's purely a, a salaried employee, you know, real estate investors take a lot of different forms. Some of them as you know, are, are fully self-employed. They're doing that for, for a living. Other ones are working a job, but as a side hustle or, you know, part of their portfolio is real estate investors. So just from a technical aspect, when you, when those individuals come to you, you know, what are the first few questions you're asking them and what are you trying to, what are you trying to get out of that con initial conversation to be able to say, you know, this is, I, I think the best path for, for you going forward?   Mark (9m 25s): Yeah, most financial planners, I would say, direct you toward a set of pre-determined outcomes. It's like those old choose your own adventure books, you know, you felt like you were able to go anywhere you wanted, but really the book was moving you in one direction. And for most financial planners, that's Wall Street, that's the endgame. Let's get you into a my index fund or let's get you into my, my mutual fund or my ETF or my target date fund, or you know, your 401ks, your RSPs, whatever it is.   And given all that, it's sort of, it's sort of unfortunate that most real estate investors don't have a pathway with most financial planners, but like it or hate it, I've been now coined the not your average financial planner. And I love it. I personally love it because we look for strategies that don't rely on the whims of Wall Street or the typical financial products and tools. Listen, where is it written that we all have to dump a bunch of money into, you know, a a market casino that has no access and there's no outcome predictability.   And we don't know what the taxes are gonna be when we take the money out anyway. So, you know, where is that? Is it written on some law that I didn't read? No. So yeah, when, when I sit down to have one-on-one advisory consultations with anybody, whether real estate investor or not, I do have a, I got about 10, 12 pages of notes we end up taking and, and, and including questions like, well, what does the word retirement even mean to you? What about your spouse? Maybe it's a different thing altogether for him or her. Also, you know, in five years, let's say, let's fast forward five years and we're building this plan together and we're making it work, how will you know it's a success?   How will you know we're on the right path? What are the mile markers? What are the distinctive characteristics of things that are tangibly different? Is this depth gone? Is your income doubled? Do you have seven properties or 70, you know, these are the questions you'd want to ask to really get a sense of are we on the right track or not? It makes my job so much fun. I feel like your financial conversations should be some among the best conversations of your life, you know, because it, again, it touches the most important areas of your life money does.   So yeah, we dug, we dig into strategies that I think help be like a, a, a hinge, a small little hinge that can swing very big doors in your life if we know the right tools and tactics and strategies to take on. If you don't know those tools and tactics and strategies, I gotta say, man, real estate investing or any kind of financial project is gonna feel like swinging a very dull ax, or even worse, like a butter knife at your tree trying to chop it down. It's just gonna take forever.   You'll eventually get there with Wall Street with index funds, but it's so inefficient. You might as well look and see if there's better ways to leverage the finite time and money and energy that we all have in this life to put toward things that are gonna really move the needle. And again, be that leverage point that, that I think many people are looking for.   Jesse (12m 30s): Yeah, and I'm curious too, because we not just invest as real estate investors, but even, you know, for example, when we're raising capital from, from inve, from investors for real estate, oftentimes what investors tell me is either, you know, at the, at the best they, you know, they're invested in, you know, whether it's mutual funds or Wall Street to some, some degree stocks and bonds, but you know, they don't really have clarity exactly on the fees like that they're actually getting pay, you know, that they're actually paying on.   So for them, one of the value a or one of the value propositions for real estate, it's, it's that tangible aspect that people can kind of understand, even if it's commercial they've all owned or they've all rented or owned a place and they understand that. But I imagine it's somewhat similar when people come to you, if you see the current investments that they have, if they have them. I'm sure you guys fe see some red flags. So are there anything, is there anything on that, in that topic of fees that you don't realize you're actually getting charge, but you are, I assume you have conversations somewhat similar to that?   Mark (13m 34s): Oh yeah. Well, I mean, nothing is free except the cheese on the wrong end of a mouse trap, Jesse. So let's be clear about that. Nothing's free, not real estate. Yeah. All right. Not index funds, nothing's free, but it's egregious to me to think that, well, let me just say it this way, nothing's free and it's all, it's all in the, the perceived value that you receive. So if it's perceived as valuable enough, then pay whatever price it is. You know, I'll, I'll, if I had to, I'd chop my arm off to escape a, you know, a, a dangerous situation if I had to.   It's quite a price to pay, but I'd do it if it was perceived as valuable enough. The unfortunate truth is, fees are the hidden viper in your portfolio. This is according to the Department of Labor. They say a 1% fee on your 401k, your IRA or Canadian equivalent accounts over a 35 year period. That's like a typical retirement, right? Is gonna eat up a third of your nest egg, 27% of your nest egg just gone to fees.   And what is, what is it we're getting for that fee? Are we getting something magical? No, we're getting illiquidity and volatility and in retirement, that is not what we need. Right? When is it that we're mo when are the times we're most likely gonna need cash, probably during a crisis? When is our portfolio gonna be at its lowest value, probably during a crisis? Oh, by the way, when are banks least likely gonna lend us money?   Same answer, right? During a crisis? Yeah. So for all the fees, is it worth it? And I would say again, the, the best thing you can do is find the areas in your life, your financial life specifically in every area really. But on this podcast, we're talking finance and money. Find the areas in your financial life that are the leverage points. And, and I'll just go ahead and say it. One of the big aha moments of my young adult life was when I realized that underneath the importance of stocks, bonds, mutual funds underneath the importance of cash, savings, money markets, all that was the fundamental reality of banking.   Banking is actually the operating system of the financial world. It's actually as old as human civilization. There's great books out there. There's a good book out there by David David Frager who says Debt. The first 5,000 years is the title of the book, and it's a phenomenal book, but it kind of shakes me every time I think about it to think that this book is talking about a topic of banking debt that's been around since caveman paintings, right?   To have to have the four letter word of debt in our human consciousness for that long. Think of how much pain has come from all the debt that's incurred over these many years and think of all the incredible wealth that's been generated if you were the banker. So part of our experience as financial planners, I think has been focused on the tail of the elephant. When I wanna look at the whole thing, all I care all most financial planners care about is that tail of that elephant, Hey, look at this rate of return.   I got you last quarter, I just got off the phone with a client. He said, my, my investment guy, cuz he has another guy who does his investments for him. He said, my investment guy, the best he could tell me, mark, he said, my investment guy's best, best feedback or self aggrandizement was that he only lost him 18% last year, whereas the market lost 20. And so the best he could say is, Hey, I only lost you 18%. That's looking at the elephant's tail. I wanna look at the whole elephant. I wanna look at how do we take on the banking function to control not just the rate of return of your savings, but how do we control the environment in which your money lives and dial up, dial down that thermostat so that you can, you know, win by default in your real estate portfolio or wherever you might be focused on.   Jesse (17m 44s): Okay. So on that point, I think, you know, there's the, there's the de debate of, you know, whether you're, if you are a bit more of a dove or a hawk, depending on your amount of financial leverage or debt that you take on, you know, most listeners being real estate investors, we, you know, we have a love hate relationship with debt. It's, it's really the DNA of our business leverage. You know, we couldn't do what we do. The successes that we have are clearly compounded by leverage the, you know, the losses that you have are too.   But it is something where I think most investors would, investors would say that there's a consumer debt as opposed to debt for real estate investments where somebody else is paying off that, you know, the actual debt service of it are two different things. So on that piece of banking, if you go over to talk about what you've talked about in the past on banking, banking on yourself, or having controlling the, the debt aspect or the structure in which you invest with your portfolio, how does that look for real estate investors?   And, and yeah, I'll let you take it from there.   Mark (18m 46s): Sure. Yeah. Well, you're exactly right. There's good debt and bad debt. I fully agree with you on that. And I also say that leverage is a beautiful thing. And we all can acknowledge that leverage works in both directions. And I think too many people, as they've been on variable rate loans, are gonna find that out the hard way if interest rates continue to rise. So, on the other hand, you know, I think you're right. I think a great deal of opportunity can happen when we use debt to our advantage or for our convenience.   I think the problem is too often banks use us for their convenience. So what if it was possible to do what banks do with their money? And instead of just using a, letting the bank use us for their convenience, the regular cash flow that comes from our mortgage payments and whatnot, what if we could be the bank? You know, why, why in, why get into all the mess of, you know, even other assets. If we could just collect the payments, the mortgage payments even from other people or even ourselves, if we controlled the banking function for our real estate deals, we'd win by default.   And so one of the tools that I've stumbled across that's been profoundly impactful for me and for real estate investors is a little known variation of whole life insurance of all things. Now, again, as a C F P certified financial planner, I never thought I'd be talking to real estate investors or anybody really about boring old whole life insurance. It's, it's about as plain vanilla as it gets, right? It's been around 200 years. But the more I got into this and really saw how it functions, I could not look away.   It became more and more compelling. So I'll be quick about this and in fact, I'm a, a huge nerd for acronyms. So I'll give you a, an an acronym to help us get through the kind of primer on what is bank on yourself, and then you can help me take this wherever you want to go. Sure. So we'll use the acronym T G I F to help us kind of understand how bank on yourself works. Again, it's a modernized, more efficient form of whole life insurance and whole life insurance. If it's designed for commissions, then you're gonna have very little cash value.   It's gonna have a big juicy death benefit and a very fat and happy insurance agent connected to it. All right. I like to flip that upside down. How can we pack as little death benefit on this thing as possible, which is where the commissions are, and instead flood as much of your money as you comfortably can put into it. We call that premium. How can we flood as much of that as possible into the living benefits? What, what's known as the cash value of the policy? That cash value does some really cool things.   Okay, back to T G I F. The cash value is tax free. You can get access to the policy with tax advantages or even tax free if we design it correctly, which means that it's a lot like a Roth IRA or equivalent Canadian account. And without all the restrictions of a Roth ira, you know, there's no income phase out rules. For example, you can make whatever you want in your income and still put money into a policy. It's also no contribution limits.   So you can put in six grand or 60 grand or 600 grand a year into one of these policies. So that's the first one is it's, it's got some significant tax advantages. T is tax advantages, G is guarantees the policy grows on a guaranteed basis each and every year the cash value grows without market risk. And every year you're hitting an all-time record high. Just got off the phone with someone earlier today and he said, mark, all my other accounts are down, but my policy just hit another all-time record high.   That's awesome. All right. So, and when you get a gain from last year, it's locked in. You don't lose it this year. There's no risk of loss. If I invest in Coca-Cola or Tesla and the stock goes up last year, I could lose it. I could lose what I earned last year this year due to loss of market share and so forth. So not, so with whole life insurance, it grows guaranteed. That's g is guarantees. Third, it is insurance. So I'm taking care of my family favorite charities. It's doing what I need my money to do for me, whether I'm on this side of heaven or on the other side.   And then finally it's allows me to become my own source of financing. F is financing. So financing is the biggest part of your financial success or failure. Let me say that again cuz that's as a cfp. Why am I not ch you know, chomping at the bit to talk about Wall Street? Because I believe that financing is the crucial hinge that will be the difference between your success or failure in your financial life. The average American spends about a third of his or her income, 34% according to the US Commerce Bureau just covering deaths and financing costs 34% of your income.   If that's, if time is money, what's 34% of your day, Jesse? Right? So if I could recapture some of that money, pay myself or run my mortgage or down payments or my property taxes or my HVAC systems or any other major expense I have in my life through my policy, here's what happens next. I can borrow against life insurance policies that are designed the bank on yourself way. Okay? And the policy will continue to grow and compound on the entire cash value.   Even what I borrowed out as if I hadn't touched a dime of the money. So I'll say this and then I'll hush and I'll get your feedback. Let's say I got a hundred grand of cash, a hundred grand of cash value in one of these policies and I borrowed out 70 grand to go put into a syndication deal that year. And every year I've, I've got that money out, my policy will continue to grow and appreciate on the entire 100,000 bucks, even the 70 grand I'd go and, and put over in the syndication deal.   Now, that to me is the holy grail of financial sanity because I get uninterrupted compounding growth on my policy. And of course I've still got the money out here in the real world doing things like syndication deals or buying cars or whatever else I need the money doing for me. So that is T G I F, tax advantages, guarantees, insurance and freedom and financing.   Jesse (25m 16s): So in terms of the, just in that example, just so I understand that if it's a hundred thousand dollars, that is that up to that point that has been paid into the policy, it's your a hundred thousand dollars and say you take 50 grand of it or 75, like you said, you want to invest in this real estate deal. So you're taking that 50 out, technically it's coming out, but the policy, you're not penalized, you're not getting charged to take it out and now whatever the growth rate is on that, a hundred remains the same on that full amount. Is that right?   Mark (25m 44s): That's right. Yeah. So you've got a chunk of money that you can borrow against and the policy is still there earning interest in dividends. You've just simply used the cash value as collateral for the loan that comes from the insurance company and then you're in control of repaying that loan. You could take a year, six years, 10 years, but it's up to you or never. If you never pay off the loan, they'll just deduct it from your death benefit when you pass away. Oh, I see. So it's a non-recourse collateralized loan.   Jesse (26m 15s): So it's not taking 50 grand cash out, it's, it's borrowing 50 grand with that as security.   Mark (26m 19s): That's it. That's it. Exactly. It's a lot like a home equity line of credit if your audience is familiar with that. Yeah. The difference between, you know, cuz the house grows, whether you borrow from the house HeLOCK or not. Right. The house is gonna just appreciate whether you use that HeLOCK or not. And that's where they are similar, but where they are different is the policy grows, guaranteed houses do not grow guaranteed. Right. Also, a bank can give you a HeLOCK and the bank can take it away again. Yeah. But there's a guarantee of the loan provision with life insurance that cannot take away that loan.   It's baked right into your contract.   Jesse (26m 55s): So who at the, you know, the point of you're doing this, you, you've say you've done this for a number of years now and you are looking at larger purchases with real estate who basically says how much you can take out based, you know, how much you can lend on your own nest egg or the policy and at what rate, what are like those details I assume happen at at inception, but I I guess they would change over time depending on how this, the value of this, of what you have in their changes if I, if I understand it correctly.   Mark (27m 25s): Yeah, well it's, it, it is a, each person is different. You know, each person's situation and numbers will be different. But let give you an example. Alright, I'll give you, you mind if I know no numbers over a podcast can be a little tricky, so I'll try to keep this simple. Sure. So let's say I've, I've got numbers in front of me here, I'll take the names off of it, but there's a 40 year old who put in some cash into a policy. He, in this case he put in 400,000 bucks, dumped it in, got a cash out from a, a syndication, he wanted to get another syndication going, but first he decided to put that money, that 400 grand into a policy.   That was his one and only contribution. Now, a lot of folks believe you gotta pay for these whole life policies for decades and decades. Sometimes you can, and in fact, a lot of times that's best. But in his case, he just had one, he just wanted to dump it in and that's it. So he put in 400 grand. Now right away he's got a cash value. I'm looking at it here of $378,000 and a death benefit of 1.7 million bucks. So let that sink in for a minute. He's got 94% of his cash give or take liquid right away.   Where'd the other money go? Well, it went to buy that 1.7 million gift to the family there. That's a tax-free gift to the family for sure. But he doesn't just leave that $378,000 just sitting in the policy. By the way it grows, that cash value would grow to 3 94, 411 in year three. So it's already broke even by year three there, 4 29 the next year. But in year one, again, back to our numbers there, he's got 378,000 bucks. He decides to borrow against that $360,000 in the first year within 30 days of starting this policy, he borrows out 360 grand to go invest in another multi-family deal.   So far so good. Any questions so far?   Jesse (29m 16s): No, that makes sense.   Mark (29m 17s): Okay, so he decides he's gonna do this loan. Now remember, the policy is still growing on the full 378,000, even though he's got the money over in the multifamily, he pays it off over an eight year period through a combination of rent and refis. Okay? So after the eighth year, his loan is completely gone. His cash value is $507,000 in year eight. That represents an increase from 400 to 5 0 7. That's an increase of 107 grant of gains.   That's way more than he would've had in a savings account for sure. But it's impressive when you think that he also had this syndication deal going on over here, whatever it did. I'm not even factoring into these numbers. So did he pay some loan interest? Some people might ask. Well sure he did. He paid loan interest. How much was it? It was 2.1% a p r, that was the annual percentage rate to borrow money for eight years, and that totals 54,000 bucks of interest paid. So let's kind of summarize and then I'll let you ask any question you'd like, he paid 54 grand to borrow the money, he earned 107 grand in the policy plus whatever he did over in the syndication deal.   How many times would you do that deal?   Jesse (30m 36s): Yeah, right. That sounds pretty good. Now, in terms of the actual investors that are trying to go from where they're at right now, say they have in the states agency debt or in Canada, CMHC or you know, whatever, they have standard mortgages right now that they kind of wind want to wind out of. If they were to go the route that you're talking about, is there a logical transition? Is it something that you do over time? Or is it kind of focused on what you have right now? And, and we'll build, you know, what we've just been talking about, you know, on the, on the side of what you have currently.   Mark (31m 10s): Well, okay, so a couple of things there. If you're, you're asking, hey, if, if I've got investors who are trying to, you know, reorganize the debt portfolio Yeah. And do it in a way that is sane and helps them get back in control. That's what you're asking. Get rid of the highest interest debt first, that sort of thing. Well, you know, there's a few ways you can do it. And I, again, I had mega student loan debts, so I could have used my earnings and just thrown that into a hole and paid off my debt, right?   Yep. And I would've been six years older and zero in my net worth, right? I could have just thrown all my money at my student loans and hopefully had it paid off in six, seven years, eight years and be done with it. Now I'm eight years older and I have nothing earning to my name. I didn't, I I started with that plan. That's known as the debt snowball method, by the way. However, halfway through that project, I kind of stumbled across the bank on yourself concept, Jesse. And I said, well, why not dump money into my policies first and then borrow against those policies to pay off my creditors, my banks, my loan companies.   And in fact, the guy who stumbled across this strategy, it was actually in 19 80, 19 81 when this concept was discovered or, or I guess expressed first in the book, becoming your own banker. And guess what was happening to interest rates back in 19 80, 19 81, he was a more, he was a real estate investor. This gentleman, Nelson Nash, he was a real estate investor. He saw his variable rate loans go from whatever it was, 5% up to 18% like overnight. And he was on the bathroom floor praying, trying to find a way out of this nightmare.   He had found that he was going bankrupt and he said he heard a voice, right? Heard a voice that said, you have what you need to get out of this mess, but you look at things the way everybody else does. And he got up from that prayer and said, I gotta find what, find what I'm looking at. That's not right. So he remembered that he had all these whole life insurance policies that he was just throwing little bits in, you know, pennies, pennies each month then too. And he said, I'm thinking about this the way everybody else does. This is, you know, super low interest debt.   The, the gentleman I just explained, he had a 2.1% annual percentage rate on that example I just gave. So Nelson back in the eighties, he just changed his thinking. I said, Hey, instead of paying pennies into my policies, I'm gonna just dump massive amounts. Everything I can goes into these policies and I'm gonna borrow against them to wipe out all these accounts that I have, all this high interest debt that I have. So for a lot of you listening, I just got off the phone with someone who has a 6.7% primary residential mortgage loan and it could go higher.   I've seen people with variable rates going even higher. So I don't know where the future is gonna take you, but if you want to control that process, if you want to be your own banker, maybe it's time to buy it. Buy your debt back from the banks. So we call that the debt snowbank method. We got that trademarked and it's been a lot of fun helping clients, not just with consumer debts, but also with some, you know, unimpressive real estate debt as well.   Jesse (34m 26s): No, that makes sense. I wanna be mindful of the time here, mark, we do have a few questions that we ask all the guests when we come to the end here. It's just for questions. And, but before we do that, why don't you let us know, we'll put it in the show notes. I want to know where people can actually get ahold of you and reach out if they, if they want to get in touch.   Mark (34m 47s): Sure. And I, I'll just brief as we're wrapping up, I'll just briefly say, this strategy that we've been describing is not for everybody. So do your own due diligence, make sure it's what you are looking to accomplish. We love to sit down with folks and weigh the pros and the cons, the costs and considerations. So if you're looking for a way to build real wealth outside of Wall Street, if you like the idea of controlling the, the banking function in your life, we can help, we work with clients throughout Canada and the United States and beyond. Reach out to us, you can go to kickstart with mark.com.   That's the website to go to. We can schedule a quick 15 minute chat that's kickstart with mark.com.   Jesse (35m 26s): Awesome. Okay, mark, if, if you are ready, I'll lob some of these questions over at you.   Mark (35m 31s): Sounds great. Okay. I'll see where it goes.   Jesse (35m 34s): What's something that you wish you learned a little bit earlier in your career that you know now? If you could go back in time, you talked to a younger version of Mark Willis.   Mark (35m 43s): So the briefest way I can answer that is, the problem of paying cash for things was the biggest aha in my life. If I pay cash, I lose the opportunity to grow that money ever again. So I no longer make major cash only purchases. I use my policies instead.   Jesse (35m 60s): That makes sense. In terms of mentorship, if you were to give a recommendation or advice to younger people getting in our business, whether that's in the financial side of things in real estate, or even just generally speaking, getting into the workforce, things that that tell them, or you know, your view on mentorship and if they should be, you know, seeking out mentors, how, how you see that?   Mark (36m 24s): Yeah, well, I mean, it's crucial. You know, you can either l learn by your own mistakes or the mistakes of others and you can dramatically lower your costs and pain if you can just learn from the expenses and mistakes of others. So yeah, absolutely. Look for people who are a few years ahead of you and stay focused and listen on only listen to one or two. Don't take 30 different mentors, you know, and make sure Jesse's in that crowd, by the way of mentors.   Jesse (36m 56s): There you go. Any book recommendations, podcasts or other media that you think listeners would get a get something out of?   Mark (37m 4s): Well, there's all the always the shameless self-promotion on my own shows, but we've done plenty of that today. So I'll point to a book behind me. It's the Bank on Yourself Revolution, New York Times bestselling book by Pamela Yellen. She coined the phrase bank on yourself, and I'd say it's the best go-to user manual for how this strategy works. And so that's the Bank on Yourself revolution.   Jesse (37m 27s): My guest today has been Mark Willis. Mark, thanks for being part of Working Capital.   Mark (37m 31s): Thank you Jesse. Appreciate it.   Jesse (37m 40s): Thank you so much for listening to Working Capital, the Real Estate podcast. I'm your host, Jesse for Galley. If you like the episode, head on to iTunes and leave us a five star review and share on social media. It really helps us out. If you have any questions, feel free to reach out to me on Instagram. Jesse for galley, F R A G A L E. Have a good one. Take care.  

Not Your Average Financial Podcast™
Episode 286: Policy Loan Interest Rates are Rising… Party at My House!

Not Your Average Financial Podcast™

Play Episode Listen Later Feb 24, 2023 24:09


In this episode, we ask: Who needs to hear this? Where else can you get an asset that grows every single year? What did Pamela Yellen say? Would you like to take her up on the challenge? Where is the loan coming from? What are the benefits? What about getting the money out tax free?...

Private Equity Profits
Ep52: Alternative Investments, Early Tax Planning is Key, and Protecting Your Legacy with NextGen Prep

Private Equity Profits

Play Episode Listen Later Nov 9, 2022 27:17


Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor, and nationally recognized financial expert featured in Forbes, Fox News, and New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen. Jerry's purpose is to help create millions of financially solvent families who can achieve greater financial freedom and share the truth about money.Top of Form Listen to this insightful Private Equity Profit episode with Jerry Fetta about sound investing strategies and financial education for your children best pave the way for generational wealth.   Here are some of the beneficial topics covered on this week's show: The importance of basic financial literacy for everyone, starting at a young age Teaching your children how to manage and grow assets for generations Jerry's 6 tenets of investing wisely Degrees of passive income- how much oversight is required of you? Opportunities to leverage your investments for optimal returns Are there recession proof assets? Tax advantageous assets?     Connect with Jerry: Website https://wealthdynamx.com/ Facebook https://www.facebook.com/WealthDynamX/ Twitter https://twitter.com/JerryFetta LinkedIn https://www.linkedin.com/in/jerry-fetta/ Instagram https://www.instagram.com/jerryfetta/ YouTube https://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber Links Mentioned: Weiss Bank Ratings https://weissratings.com/en/products/bank-ratings Learn more about your ad choices. Visit megaphone.fm/adchoices

All In Real Estate Podcast
Episode 109 - Thinking Like a Bank with Sarry Ibrahim

All In Real Estate Podcast

Play Episode Listen Later Sep 27, 2022 37:56


Sarry is a Bank On Yourself® Professional and the CEO and President of finassetprotection.com. Learning about podcasting has completely changed his story and business. This has to led to him being a guest on over 250 podcasts in the last 2 years and starting his own podcast as host of Thinking Like a Bank.  Prior to getting involved in his current roles, Sarry started his journey toward a career in financial planning when he took a course in high school called Consumer Economics. This basic class was helpful and relevant, and Sarry determined then he wanted to have a career helping people. He went into insurance working for Allstate, and learned the questions often delved into financial coaching and growth. He read the book “Bank on Yourself Revolution” by Pamela Yellen and “Becoming Your Own Banker” by R. Nelson Nash that talks about the concept of infinite banking. This model helps unlock the cash value of life insurance policies to allow people to invest in other assets such as real estate.  Thinking like a bank helps people change the tables so that they pay back themselves for the use of these cash values. The cash value of a life insurance policy is a unique financial instrument that offers many options where consumers can benefit in terms of access to finances, tax concerns, and market risk avoidance. However, the life insurance policies have to be structured properly to provide all of this value–cash value grows over time, tax-free, even when you leverage it. Anybody can participate in this market and think like a bank. As long as people have as little as a few hundred dollars of month they can use in this manner, that's all it takes to get started. Sarry meets with clients to do a financial analysis with them for about an hour with a goal to understand where they are now, and where they want to go financially. The most important point is where does the client want to go? This will set the tone for how Sarry sets them up for success with their policies and future plans. Contact Sarry by email at sarry@finassetprotection.com. Visit the Financial Asset Protection website and the Thinking Like a Bank website. Stop by Sarry's Youtube Channel to see his podcast about thinking like a bank, and visit Sarry's LinkedIn profile to learn more. Follow David at @daviddmorse on Instagram and Joe at @joe.quattrucci. Join David & Joe at Keller Williams Arizona Realty, where productive agents redefine their business. Reach out by DM, email at davidmorse@kw.com or directly at 480-767-3000.

Average Joe Finances
120. Make Money While Paying Off Debt with Jerry Fetta

Average Joe Finances

Play Episode Listen Later Sep 7, 2022 36:31 Transcription Available


Join Mike Cavaggioni with Jerry Fetta on the 120th episode of the Average Joe Finances Podcast. Jerry shares his passion in helping create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.In this episode, you'll learn:Jerry's personal financial freedom journeyHow wealth dynamics worksThe opportunities of alternative investing & what you need to knowHow to not pay your taxes & get away with itThe Basics of Gold & SilverAnd so much more!About Jerry Fetta:Jerry Fetta Is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen.Find Jerry Fetta on:Website: www.wealthdynamx.com Facebook: https://www.facebook.com/jerry.fettaInstagram: https://www.instagram.com/jerryfetta/LinkedIn: https://www.linkedin.com/in/jerry-fetta/Twitter: https://twitter.com/JerryFetta Jerry's Book:The Blueprint To Financial Freedom - https://jerryfetta.com/b2fAverage Joe Finances®Our social media links can be found here: https://averagejoefinances.com/linksInterested in getting your real estate license? https://averagejoefinances.com/prepagentHost your own Podcast here: https://averagejoefinances.com/buzzsproutGet Life Insurance: https://averagejoefinances.com/ladderNeed an REALTOR® in any state? https://averagejoefinances.com/realtorPay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinancesMake Real Estate Investing Easier with DealMachine:https://averagejoefinances.com/dealmachinePodcast Editing Services: https://editpods.comFree Stocks:● Robinhood: https://averagejoefinances.com/robinhood● Webull: https://averagejoefinances.com/webull*DISCLAIMER* https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contactSee our full episode transcripts here: https://www.averagejoefinancespod.com/episodes/--------------Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensationMortgage Connects, an MGIC PodcastInsights and tips from top mortgage industry pros!Listen on: Apple Podcasts SpotifySupport the show

Rush To Reason
HR2 Home Gun Sales | What Kids Are Learning | Pamela Yellen: Live a Richer Lifestyle 7/14/22

Rush To Reason

Play Episode Listen Later Jul 15, 2022 52:40


HR2 Home Gun Sales | What Kids Are Learning | Pamela Yellen: Live a Richer Lifestyle 7/14/22 by John Rush

The WEInvested Podcast
Wealth DynamX: Become the Bank ft Jerry Fetta

The WEInvested Podcast

Play Episode Listen Later Jun 1, 2022 31:46


Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen. Jerry's mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them. Jerry went from being a pizza delivery man to owning a multi-million dollar firm by 29 years old! Website: https://wealthdynamx.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

The Millionaire Choice Podcast
Ep 81: From Homeless to 30 Year Old Multimillionaire, Jerry Fetta, CEO/Founder of Wealth DynamX

The Millionaire Choice Podcast

Play Episode Listen Later Mar 31, 2022 50:22


This week on The Millionaire Choice Show, Tony talks with Jerry Fetta, CEO and Founder of Wealth DynamX, about his journey from homelessness to wealth expert and multi-millionaire at age 30. They discuss Jerry’s life as a financial advisor and how a parents’ financial good or bad habits can affect their childrens’ financial outlook and future. About Jerry FettaJerry Fetta grew up in a three-times divorced household finding himself homeless by age eight. At age 19 and just out of high school, Jerry was homeless yet again, but this time with a newlywed wife. Working their way up from the bottom; he and his wife are now 10 years still married and multi-millionaires. CEO and Founder of Wealth DynamX, Jerry is a published author, successful entrepreneur, investor, and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen. Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them. Learn more about Jerry Fetta, https://jerryfetta.com/freechapterSee omnystudio.com/listener for privacy information.

Interesting Humans
MARK WILLIS: CHALLENGES YOU TO BANK ON YOURSELF

Interesting Humans

Play Episode Play 60 sec Highlight Listen Later Mar 28, 2022 67:17


When I was a kid I would often accompany my parents on Saturdays to a store that was both a grocery and department store, a bit like Costco is today. Sometimes my father would give me some cash and I would hotfoot it to the toy section to grab one of the latest models of these miniature cars called Hot Wheels. I was obsessed with building my collection. I would make my purchase and then was faced with the immediate question that I realize now was a precursor to similar questions I would ask as an adult.What do I do with what's left? Most often I would go straight to the jewelry counter and purchase with what change I had some cheap piece of costume jewelry for my Mom. I don't know why this was my pattern and perhaps there are deeper aspects and another set of questions. The point is that I had choices each time:Give what was left back to my father;Make this purchase for my Mom,Save it for another day. Which do you think would have been the smartest?  How you answer that question has a lot to do with your philosophy about this thing we call Money. The Saturday trips to the store with my parents helped form my lifelong relationship with money, along with observing how they spent and spoke about money in our household. And, like a lot of people, my relationship with money is strained at best. Today's guest, Mark Willis, takes a stand against the many commonly held myths about money. In fact, Mark, a certified financial planner and the founder and principal in his own firm Lake Growth Financial, is a paradigm breaker. He is the host of the popular financial podcast, Not Your Average Financial Podcast, in which explores and challenges widely held as fact ideas about finances. In today's conversation, Mark offers a counterintuitive approach to our relationship with money. He challenges whether a house is an asset or a liability, whether it's smarter to defer taxes to retirement, and even the sacred cow of 401(k) as the best place to park our money for retirement. He questions the worship of "financial gurus and money personalities" on network television and social media who prescribe mainstream money views without question. But Mark is no heartless bean-counter. He starts each relationship with prospective clients with a deep examination of that client's fears, concerns, and history with money. He even tells us that financial conversations, if done right, "should feel like those best late-night conversations about life." Today's conversation is a wide-ranging and enlightening look into the work of a heart-based financial planner whose central tenet is a Bank On Yourself philosophy that puts the most value into our own deeply held desires about money in our lives rather than following the herd. So hold on. You're probably going to get uncomfortable because this conversation strikes at the heart of how our core beliefs about money are really core beliefs about our lives. Thanks for listening. I hope you enjoy this conversation with Mark Willis.Mark Willis website  l Facebook l online community l podcastBank on Yourself principles and founder Pamela Yellen

Not Your Average Financial Podcast™
Episode 227: Top 10 Episodes! The Founder of Bank On Yourself®, Pamela Yellen (Ep. 188)

Not Your Average Financial Podcast™

Play Episode Listen Later Jan 7, 2022 53:08


Would you like to hear 10 of THE BEST episodes so far? Here's a recent one with Pamela Yellen, the founder of Bank on Yourself®. In this episode, we ask: Who is Pamela Yellen? What about Pamela's articles and books? What did Pamela learn from experience? What did Pamela investigate? How does Pamela remember her...

Not Your Average Financial Podcast™
Episode 212: The Coming Revolution in Lifetime Income

Not Your Average Financial Podcast™

Play Episode Listen Later Sep 24, 2021 33:10


In this episode, we ask: Would you like to join us for a one-day summit on October 9, 2021? Scroll down for access! Would you like to read the founder of Bank on Yourself®, Pamela Yellen's guaranteed lifetime income report? Would you like to reach out to us and we'll send it to you? What...

Rhi-Take
Thinking Like a Bank w/ Sarry Ibrahim

Rhi-Take

Play Episode Listen Later Sep 15, 2021 32:29


In this episode of Rhi-Take, we have the extreme pleasure of interviewing the “Thinking Like a Bank” business mogul Sarry Ibrahim. As a financial professional, and member of the “Bank on Yourself Organization”, Sarry works hard to assist his clients in growing safe, predictable, and guaranteed wealth regardless of market conditions. Sarry is an advocate of pursuing purposeful investment strategies that not only minimize risk, but maximize the value of a clients' portfolio to meet their evolving financial needs. In this episode, we have the blessing of gathering gems from his extreme level of expertise that stems far beyond just the financial field. Not only is he a loving husband, leader, and business owner - Sarry is also the host of the “Thinking Like a Bank” Podcast that is highly endorsed by Rhi-Take! Additionally, you will learn the value of managing your time effectively, thinking outside of the box, falling away from the “bandwagon appeal”, refusing to play a part in justifying cultural norms, and SO MUCH MORE. We hope that you will listen intently from start to finish and TAKE NOTES while you are at it! Contact Sarry personally to schedule a free consultation to discuss your needs, and score a FREE BOOK of your choice up to a $20 value! Find Sorry on LinkedIn, and follow his Podcast and Youtube channel, all linked below! Website: finassetprotection.com LinkedIn: Sarry Ibrahim, MBA, LTCP https://www.linkedin.com/in/sarry-ibrahim-mba-ltcp-bank-on-you/ Podcast: Thinking Like a Bank - https://anchor.fm/sarryibrahim Youtube: https://www.youtube.com/channel/UCwasIgJYLJwnyANE1iWN3XQ/videos … P.S. Please take advantage of the book recommendation given by Sarry and get your copy of “The Bank on Yourself Revolution” by Pamela Yellen! I read this book in the 2 weeks that lead up to this episode going live and it is an absolute GAME CHANGER!

Jake and Gino Multifamily Investing Entrepreneurs
Index Universal Life (IUL) vs. Specially-Designed Whole Life

Jake and Gino Multifamily Investing Entrepreneurs

Play Episode Listen Later Sep 8, 2021 13:46


In this episode, Jake and Gino talk with John Shedenhelm, a 100 Year REI Professional. John is the CEO of Eagle Financial Solutions and has been in financial services for over 30 years. He co-authored ‘The Secret to Lifetime Financial Security' with Pamela Yellen, who founded Bank On Yourself. John, Jake and Gino discuss the benefits of a specially-designed Whole Life Policy versus an Index Universal Life Policy as it pertains to Real Estate Investing and the Dual Asset Strategy. Only a specially-designed Whole Life Policy can guarantee the following*, where an IUL cannot:  Whole Life Policies have more flexibility with contribution or premium paying options than an IUL. The full IUL premium must be paid every year. Our specially-designed Whole Life Policies can provide greater liquidity than IULs, especially early on. This is very important to real estate investors.  •  IUL illustrations show rosy linear positive returns, for example, 6% every single year without any down years. Have you ever known Wall Street to really work that way? For this reason, you have no ability of knowing how much cash value will be available for your real estate investing reserves. •  Your specially-designed Whole Life Policy has stronger guarantees and is a safer cash management tool for your CapX or “rainy day” funds than betting on the performance of an IUL. •  With an IUL, the insurance company has all of the control over the rules. The provisions for returns, premiums, cap rates, costs and fees can all be changed at their discretion. Would you play a game with someone who can change the rules to their benefit, at any time? • Who is really in control of your asset? You or the insurance company? With our specially-designed Whole Life Policies, you know the rules of the game. Your cost of insurance is level throughout the life of your policy. You know the minimum amount of cash value in your future at all times. Hear the full podcast to learn more. Let us show you how a specially-designed policy by our team can work for you. Start the process now! Schedule a call directly with our team to get started today: https://100yearrei.com/callnow/   * All guarantees are based on the claims-paying ability of the insurer. Excess policy loans can result in termination of a policy. A policy that lapses or is surrendered can potentially result in tax consequences.  

ReinventingPerspectives
Take Control Of Your Small Business Finances with Mark Willis CFP.

ReinventingPerspectives

Play Episode Play 30 sec Highlight Listen Later Jul 8, 2021 43:05


Mark Willis is on a mission to help you think differently about your finances. This is not your average prescription to better financial health talk! Mark  says, you're going to have to THINK about what you want your money to do for you. He shares how to "find the smallest hinge that can swing the biggest door", challenges traditional debt pay off methods, and talks tax strategies.  Have a  listen.Mark is a CERTIFIED FINANCIAL PLANNER™, a three-time #1 Best Selling Author and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. Over the years, he has helped hundreds of his clients take back control of their financial future and build their businesses with proven, tax-efficient financial solutions. He specializes in building custom-tailored financial strategies that are unknown to typical stock-jockeys, attorneys, or other financial gurus.To connect with Mark:notyouraverage.mn.co  bit.ly/quickboy Mark's pick for the Leaders Are Readers series:The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control Of Your Own Financial Future by Pamela Yellen Best Seller Books co-authored by Mark:How To Be An Amazon Legend And Fire Your Banker by Danny Stock and Mark Willis The Secret To Lifetime Financial Security by Pamela Yellen and The Nation's Leading Financial Advisors Real Estate Investing For Women: Expert Conversations To Increase Wealth And Happiness The Blissful Way by Moneeka Sawyer, Leeza Gibbons et. al. #MoneyTalk #CFPGuest #CertifiedFinancialPlanner #SmallBusinessFinances #ChicagoLand #FaithAndFinances #DebtSnowballMethod #DebtAvalancheMethod #CollegeDebt #OpportunityCostOfDebt #LostOpportunityCost #DebtPayOffStrategies #TakeControlOfYourFinances #LifeInsurance #RealEstateInvesting #Superannuation #MoneyMindset #IRA #IRS #FinancialMindset #RetirementPlans #WealthCreation #TaxStrategies #FinancialJourney #MoveUpstreamFinancially #SecureTheBag Support the show (http://www.paypal.me/ReinventingPersp)

Not Your Average Financial Podcast™
Episode 188: The Founder of Bank On Yourself®, Pamela Yellen

Not Your Average Financial Podcast™

Play Episode Listen Later Apr 9, 2021 52:45


In this episode, we ask: Who is Pamela Yellen? What about Pamela’s articles and books? What did Pamela learn from experience? What did Pamela investigate? How does Pamela remember her mission? What about Dave Ramsey and Suze Orman? What is real education? What is infotainment? Has conventional financial wisdom worked? How many actually have financial...

Bacon Wrapped Business With Brad Costanzo | Sizzling Hot Business Advice Guaranteed To Make You Fat...PROFITS!
A Better Way To Save Money By Becoming Your Own Bank with Sarry Ibrahim

Bacon Wrapped Business With Brad Costanzo | Sizzling Hot Business Advice Guaranteed To Make You Fat...PROFITS!

Play Episode Listen Later Apr 6, 2021 51:48


Today we explore a saving and investment concept strategy that has proven to bring many advantages over traditional methods. It's called the Bank On Yourself strategy, made popular by author and advisor Pamela Yellen which uses a little-known type of insurance policy which provides guaranteed growth and tax advantages. I invited advisor Sarry Ibrahim on the show today to discuss how these policies work, who they're appropriate for and how to get the most out of them.If you're interested in speaking with Sarry, you can contact him at https://finassetprotection.com

The Daily Grind
S2 Episode 39: Special Guest Sarry Ibrahim | Financial Asset Protection

The Daily Grind

Play Episode Listen Later Mar 9, 2021 37:39


‘Think like a bank' on the Daily Grind, your weekly goal-driven podcast. This episode features Kelly Johnson and special guest Sarry Ibrahim! Ibrahim is a Financial Consultant, Health and Life Agent who helps high net worth individuals, real estate investors, business owners, and retirees grow and protect their wealth predictably and safely by Banking on Yourself. He lives and works in Chicago, Illinois. In today's episode, Ibrahim shares how he first became interested in finance and insurance and what led him to starting Financial Asset Protection. He tells us about the Bank On Yourself concept and how it compares to your traditional financial vehicles such as 401ks and IRAs. Ibrahim also tells us about the tax advantages of using this concept. Lastly, Ibrahim gives us best practices for our Daily Grinders in taking control of their finances and his thoughts on investing in Bitcoin. He recommends reading Bank On Yourself by Pamela Yellen, Becoming Your Own Banker by R. Nelson Nash, and Mindset by Carol Dweck. S2 Episode 39: 03/09/2021 Featuring Kelly Johnson with Special Guest Sarry Ibrahim Audio Credit Intro: Draw The Line Mastered by Connor Christian Follow Our Podcast: Instagram: @dailygrindpod Twitter: @dailygrindpod Podcast Website: http://www.kjfwi.org/the-daily-grind Shop Our Merch: https://kelly-johnson-foundation.square.site Submit Your FUN FACT Here! Follow our Host: Twitter: @kellyjlefty Instagram: @kellyjlefty Follow our Special Guest: Website: https://finassetprotection.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/dailygrindpod/support

Adulting Is Easy
AIE 43: Life Insurance with Sarry Ibrahim

Adulting Is Easy

Play Episode Listen Later Feb 2, 2021 28:54


Lauren is joined by Sarry Ibrahim this week. Lauren learns about life insurance: term, whole, universal, and the bank on yourself concept. Sarry Ibrahim is a financial planner and member of the Bank On Yourself Organization. He helps real estate investors, business owners, and full-time employees grow safe and predictable wealth regardless of market conditions using a financial strategy that has been around for over 160 years. Sarry started this journey when he was in grad school completing his MBA. He worked for companies like Allstate, Blue Cross Blue Shield, Cigna Healthspring, and Humana before founding Financial Asset Protection, a financial services firm that focuses on one sole concept; the Bank On Yourself Concept, also known as the Infinite Banking Concept. How to contact Sarry: https://finassetprotection.com/ Books mentioned: Bank on Yourself Revolution by Pamela Yellen: https://www.amazon.com/Bank-Yourself-Revolution-Control-Financial/dp/1942952104/ref=sr_1_3?crid=21F61RWSK0KEY&dchild=1&keywords=bank+on+yourself+by+pamela+yellen&qid=1607695108&sprefix=bank+on+yourself%2Caps%2C196&sr=8-3 Infinite Banking Concept by Nelson Nash: https://www.amazon.com/s?k=infinite+banking+concept+by+nelson+nash&crid=38YIIQIHO7VXW&sprefix=infinite+banking%2Caps%2C177&ref=nb_sb_ss_ts-do-p_1_16

Living Wealthy Radio
485: Bank On Yourself Co-Founder, Tim Austin

Living Wealthy Radio

Play Episode Listen Later Jan 11, 2021 69:03


Joining us is Tim Austin, the man who, along with Pamela Yellen, co-founded the Bank On Yourself concept. He is also the founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without risk or volatility. He’s here to share why current investment and savings practices are so different from the time-tested methods of previous generations, and how we can learn and profit from the tried-and-true methods of our great-grandparents. The post 485: Bank On Yourself Co-Founder, Tim Austin first appeared on Living Wealthy Radio.

Girls' Guide To Investing
Special Guest - Sarry Ibrahim ~CEO & President Fin Asset Protection -

Girls' Guide To Investing

Play Episode Listen Later Oct 19, 2020 23:25


Safe Wealth. Sarry Ibrahim CEO and President of finassetprotection.com is giving listeners a free copy of The Bank On Yourself Revolution book by Pamela Yellen. For a free financial consultation go to https://www.linkedin.com/in/sarry-ibrahim-mba-ltcp-bank-on-you/ Please donate :) $$ We appreciate your generous support: $3 $5:) $10 $1:) November 7 our birthday :) $5 https://www.paypal.com/paypalme2/anonymouscontent $3:) $5$ Thank you :) Paypal (friends & family) petcarebuddies@gmail.com $Paypal $3 https://www.patreon.com/sneakies Please Subscribe to our YouTube:) https://www.youtube.com/user/Fellinijr/videos Zombie Diaries: https://youtu.be/tBmgi3k6r9A Subscribe :) Please support us & buy our books :) Thank you! Young Adult wizard book series: Fantasy like Harry Potter "Margaret Merlin's Journal" by A. A. Banks at Amazon! :) https://www.instagram.com/margaretmerlinsjournal/MMJ Book I The Battle of the Black Witch https://www.amazon.com/Margaret-Merlins-Journal-Battle-Black-ebook/dp/B01634G3CK MMJ Book II Unleashing the Dark One Science fiction action adventure https://www.amazon.com/Margaret-Merlins-Journal-Unleashing-Dark-ebook/dp/B01J78YH6I MMJ Book III The Mask of the Parallel World An Adventure in Italy https://www.amazon.com/Margaret-Merlins-Journal-Parallel-World-ebook/dp/B01KUGIZ8W/ MMJ Book IV The Quest for the Golden Key https://www.amazon.com/Margaret-Merlins-Journal-Quest-Golden-ebook/dp/B076FTTDQN Enchanting Book Readings https://podcasts.apple.com/us/podcast/enchanting-book-readings-reviews/id1498296670 Family comedy podcast Legitimately Mallie! https://legitimatelymallie.podbean.com/ Who Done It? https://podcasts.apple.com/us/podcast/who-done-it/id1531821845?uo=4 "Let's Get Rich!" Disclaimer this podcast is for entertainment purposes only. I am not a licensed professional. Smart investors study stocks and meet with licensed financial brokers before they make decisions to invest. Investments can be risky. I am not responsible for your losses. I may own some stocks that I include in my podcasts or videos. Affiliate links listed above. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/girlmogul/support

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Living Wealthy Radio
470: Bank On Yourself Co-Founder, Tim Austin

Living Wealthy Radio

Play Episode Listen Later Sep 28, 2020 69:03


Joining us is Tim Austin, the man who, along with Pamela Yellen, co-founded the Bank On Yourself concept. He is also the founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without risk or volatility. He’s here to share why current investment and savings practices are so different from the time-tested methods of previous generations, and how we can learn and profit from the tried-and-true methods of our great-grandparents. The post 470: Bank On Yourself Co-Founder, Tim Austin first appeared on Living Wealthy Radio.

Not Your Average Financial Podcast™
Episode 160: Why Work with a Bank on Yourself® Professional? Part 2

Not Your Average Financial Podcast™

Play Episode Listen Later Sep 25, 2020 35:46


In this episode, we ask: What is the history of Bank on Yourself®? What did Nelson Nash find with the Infinite Banking Concept? How was Nelson an evangelist? What’s the issue with the IBC meaning? What standards are in place around the Infinite Banking Concept? What did Pamela Yellen learn? What does Pamela write on...

Real Estate Marathon
Episode 51 Bank on Yourself with Mark Willis

Real Estate Marathon

Play Episode Listen Later Sep 10, 2020 58:08


Mark Willis is a man on a mission to help you think differently about your money, your economy and your future. After graduating with six figures of student loan debt and discovering a way to turn his debt into real wealth as he watched everybody lose their retirement savings and home equity in 2008, he knew that he needed to find a more predictable way to meet his financial objectives and those of his clients. Markis a CERTIFIED FINANCIAL PLANNER™, a two-time #1 Best Selling Author and the Owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. Over the years, he has helped hundreds of his clients take back control of their financial future and build their businesses with proven, tax-efficient financial solutions. He specializes in building custom-tailored financial strategies that are unknown to typical stock-jockeys, attorneys, or other financial gurus.As co-host of the Not Your Average Financial Podcast™, he shares some of his strategies for investing in real estate, paying for college without going broke, and creating an income in retirement you won’t outlive. Mark works with people who want to grow their wealth in ways that are safe and predictable, to become their own source of financing, and create tax-free income in retirement.  www.growmorewealth.com  Not Your Average Financial Podcast Books:  "Bank on Yourself Revolution" by Pamela Yellen              "Financial Independence in the 21st Century" by Dwayne Burnell

Beyond 50 Radio Show
EPISODE 650B - Rescue Your Retirement: Five Wealth-Killing Traps of 401(k)s, IRAs and Roth Plans - and How to Avoid Them

Beyond 50 Radio Show

Play Episode Listen Later May 15, 2020 51:32


Five Wealth-Killing Traps of 401(k)s, IRAs and Roth Plans - and How to Avoid Them For Beyond 50's "Finance" talks, listen to an interview with Pamela Yellen. She'll talk about the retirement plans that replaced pension plans after 1978 have been less effective than stuffing cash in a mattress. She'll explain why the 401(k) has been called a "disaster," including: the excessive fees charged by mutual fund companies; why the "father of the 401(k)" now says he would "blow up the system and restart with something totally different"; how the seemingly low annual fees you pay in your 401(k) or IRA can devour 30 - 50% of your account value over time; and more. Tune in to Beyond 50: America's Variety Talk Radio Show on the natural, holistic, green and sustainable lifestyle. Visit Beyond 50 Radio (https://www.Beyond50Radio.com) and sign up for our Exclusive Updates.

radio finance wealth killing rescue retirement roth traps 401k iras pamela yellen visit beyond beyond50radio america's variety talk radio show
The Small Business Radio Show
#582 The Founder of Travelocity Tells How to Beat This Latest Disruption

The Small Business Radio Show

Play Episode Listen Later Apr 22, 2020 51:39


SEGMENT 1: With the stock market in correction mode, we all need to think about that money we have put away for retirement - is it time to panic, work harder or just wait it out? Here to help is Pamela Yellen who is a two-time New York Times best-selling author and the founder of Bank On Yourself.SEGMENT 2: If there is one area that is a mess right now during the Pandemic of 2020, it's the travel industry. How can these industries beat this latest disruption? Here to help is Terry Jones, the founder of Travelocity.com and founding chairman of Kayak.com.SEGMENT 3: One of the top ten questions I always get asked is: “where can I find cash for my business?” One place to look is grant contests sponsored by corporations that support small businesses. Here to talk about their latest contest is Kelli Martin, a Small Business Champion at FedEx.Sponsored by Nextiva

Living Wealthy Radio
Tim Austin: Bank On Yourself Co-Founder and Safe Money Expert

Living Wealthy Radio

Play Episode Listen Later Mar 18, 2020 70:00


Joining Teresa is Tim Austin, the man who, along with Pamela Yellen, co-founded the Bank On Yourself concept. He is also the founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without risk or volatility. He’s here to share why current investment and savings practices are so different from the time-tested methods of previous generations, and how we can learn and profit from the tried-and-true methods of our great-grandparents.

Living Wealthy Radio
439: Bank On Yourself Co-Founder, Tim Austin

Living Wealthy Radio

Play Episode Listen Later Feb 24, 2020 69:03


Joining us is Tim Austin, the man who, along with Pamela Yellen, co-founded the Bank On Yourself concept. He is also the founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without risk or volatility. He’s here to share why current investment and savings practices are so different from the time-tested methods of previous generations, and how we can learn and profit from the tried-and-true methods of our great-grandparents.

Not Your Average Financial Podcast™
Episode 127: Is Bank on Yourself® a Scam? A Nerd’s Eye View on Policy Loans and Michael Kitces

Not Your Average Financial Podcast™

Play Episode Listen Later Feb 7, 2020 30:06


In this episode, we ask: Is Bank on Yourself® a Scam? Who is Michael Kitces, and why do we respect him so much? What did Michael Kitces write about Bank on Yourself®? Would you like to read Pamela Yellen’s responses to his analysis of Bank on Yourself®? What does Kitces say about permanent whole life...

The Smart Real Estate Coach Podcast|Real Estate Investing
Episode 124: A Better Strategy Than a 401(k), with Mark Willis

The Smart Real Estate Coach Podcast|Real Estate Investing

Play Episode Listen Later Dec 4, 2019 30:44


Mark Willis is a man on a mission to help you think differently about your money, your economy and your future. After graduating with six figures of student loan debt and discovering a way to turn his debt into real wealth as he watched everybody lose their retirement savings and home equity in 2008, he knew that he needed to find a more predictable way to meet his financial objectives and those of his clients. Mark is a CERTIFIED FINANCIAL PLANNER, a two-time #1 Best Selling Author and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. Over the years, he has helped hundreds of his clients take back control of their financial future and build their businesses with proven, tax-efficient financial solutions. He specializes in building custom-tailored financial strategies that are unknown to typical stock-jockeys, attorneys, or other financial gurus. As co-host of the Not Your Average Financial Podcast™, he shares some of his strategies for investing in real estate, paying for college without going broke, and creating an income in retirement you won't out live. Mark works with people who want to grow their wealth in ways that are safe and predictable, to become their own source of financing, and create tax-free income in retirement. What you'll learn about in this episode: Why Mark wants to be the “last financial planner you'll ever need” through educating his clients and giving them full control of their financial future Why most people who enter the financial arena as adults often have no idea what's going on, and how Mark works to help clients make sense of things What financial problems Mark recognizes that people often need help overcoming, including an increasing reliance on debt Why Mark believes the 401(k) isn't the right way to invest for retirement, and what drawbacks are found in relying on a 401(k) What qualities Mark looks for in the ideal investment vehicle, and why “High Early Cash Value whole life insurance” ticks all of Mark's boxes Why it is important to find a Bank On Yourself Authorized Financial Advisor who is keeping your best interests in mind How Mark's methods can help you eliminate high debt and rebuild your financial independence Who Mark's policy strategy is and is not meant for, and why it is important to reach a point where you can afford to set money aside each month What strategies Mark would offer to anyone carrying a high amount of debt and wanting to get it under control Resources: Website: www.growmorewealth.com Website: http://lakegrowth.com/ Twitter: @LakeGrowth Free Financial Consultation: http://lakegrowth.com/contact-us/booking/ Mark Willis's Recommended Reading List: The One Thing by Gary Keller: https://amzn.to/343f1ac The Bank on Yourself Revolution by Pamela Yellen: https://amzn.to/2Qzrdve Additional resources: Website: www.SmartRealEstateCoachPodcast.com/webinar Website: www.SmartRealEstateCoachPodcast.com/termsbook Website: www.SmartRealEstateCoachPodcast.com/ebook Website: www.SmartRealEstateCoachPodcast.com/QLS

Not Your Average Financial Podcast™
Episode 116: Your Journey of Financial Independence

Not Your Average Financial Podcast™

Play Episode Listen Later Nov 22, 2019 26:44


In this episode, we ask: Are you so thankful for Holly? Have you seen Pamela Yellen’s new book, Rescue Your Retirement? If you leave us a review on iTunes and send a screenshot of your review to hello@nyafinancialpodcast.com, we’ll send you a copy of the book for free! (December 31, 2019 is the deadline for...

Copywriters Podcast
Ethical Copywriting with Matt Rizvi

Copywriters Podcast

Play Episode Listen Later Nov 11, 2019


Direct response copywriter Matt Rizvi has worked with famous people known for being strong independent thinkers who focus on the power of the individual. People like Dr. Ron Paul, the congressman from Texas; best-selling author and financial guru Pamela Yellen; and investment analyst Porter Stansberry. Matt’s sold millions with his copy. He’s the founder of DailyCopywriter.com and the DailyCopywriter podcast. Where I was a guest myself. While I was getting ready to be his show, I noticed on his website he mentioned he uses “a unique type of ethical copywriting.” That really intrigued me, because I’ve always believed in ethical copywriting but I think we don’t spend nearly enough time talking about it, whether it’s on this podcast or in the copywriting world at large. So I invited Matt to come on the Copywriters Podcast to talk about it, and here he is. It seemed like such a natural fit to me. We covered these questions: 1. Matt, what is your definition of ethical copywriting, and why is it important? 2. What events or experiences led you to focus on ethical copywriting? 3. A lot of copywriters might be less than ethical in the way they write. Just for our listeners who aren’t up to speed on this issue, what does less-than-ethical copywriting look like? 4. Could you walk us through a promo you did and share two or three decisions you made to stay on the right side of being ethical? 5. You have cubs you mentor. What are two or three tips or guidelines you share with them to stay ethical? An example of one of these ideas in action would be great. 6. In the short run, UNethical copy can bring in windfalls. But long-term, there are consequence. I recently heard about a guy who was a household name in direct marketing 20 years ago — got hit for a huge fine for his marketing — and has all but disappeared. What would you say about the short-term profitability vs. the long-term profitability of ethical copy, and the relative ease and/or difficulty of writing each kind of copy? Matt’s websites: DailyCopywriter, MattRizvi Download.

Copywriters Podcast
Ethical Copywriting with Matt Rizvi

Copywriters Podcast

Play Episode Listen Later Nov 11, 2019


Direct response copywriter Matt Rizvi has worked with famous people known for being strong independent thinkers who focus on the power of the individual. People like Dr. Ron Paul, the congressman from Texas; best-selling author and financial guru Pamela Yellen; and investment analyst Porter Stansberry. Matt’s sold millions with his copy. He’s the founder of DailyCopywriter.com and the DailyCopywriter podcast. Where I was a guest myself. While I was getting ready to be his show, I noticed on his website he mentioned he uses “a unique type of ethical copywriting.” That really intrigued me, because I’ve always believed in ethical copywriting but I think we don’t spend nearly enough time talking about it, whether it’s on this podcast or in the copywriting world at large. So I invited Matt to come on the Copywriters Podcast to talk about it, and here he is. It seemed like such a natural fit to me. We covered these questions: 1. Matt, what is your definition of ethical copywriting, and why is it important? 2. What events or experiences led you to focus on ethical copywriting? 3. A lot of copywriters might be less than ethical in the way they write. Just for our listeners who aren’t up to speed on this issue, what does less-than-ethical copywriting look like? 4. Could you walk us through a promo you did and share two or three decisions you made to stay on the right side of being ethical? 5. You have cubs you mentor. What are two or three tips or guidelines you share with them to stay ethical? An example of one of these ideas in action would be great. 6. In the short run, UNethical copy can bring in windfalls. But long-term, there are consequence. I recently heard about a guy who was a household name in direct marketing 20 years ago — got hit for a huge fine for his marketing — and has all but disappeared. What would you say about the short-term profitability vs. the long-term profitability of ethical copy, and the relative ease and/or difficulty of writing each kind of copy? Matt’s websites: DailyCopywriter, MattRizvi Download.

Not Your Average Financial Podcast™
Episode 114: The 8 Rules for Bank on Yourself® with Jim Conrad

Not Your Average Financial Podcast™

Play Episode Listen Later Nov 8, 2019 41:09


In this episode, we ask: Who is Jim Conrad? Would you like a FREE copy of Pamela Yellen’s new book, Rescue Your Retirement? Send us a screenshot of your new iTunes review to hello@nyafinancialpodcast.com, and we’ll send you a copy of the book! What can you do with a dollar? What are the 8 rules...

Not Your Average Financial Podcast™
Episode 113: Nightmare Scenarios with Amanda Neely

Not Your Average Financial Podcast™

Play Episode Listen Later Nov 1, 2019 40:20


In this episode, we ask: Do you ever spin out into the “WHAT IF…” conversations? What happens to Bank on Yourself type policies when the world ends? Is it the end of the world as we know it? Would you like Pamela Yellen’s latest book, Rescue Your Retirement? Would you like to write us a...

Not Your Average Financial Podcast™
Episode 112: Six Spooky Goblins In Your Money

Not Your Average Financial Podcast™

Play Episode Listen Later Oct 25, 2019 29:14


In this episode, we ask: Would you like a copy of Pamela Yellen’s latest book? Schedule a Meeting with us! What special announcement does Holly have to share? Would you like more treats and less tricks? What is the first goblin? What does $135K in retirement accounts lead to in income? Can you live on...

Not Your Average Financial Podcast™
Episode 74: Dave Ramsey v. Pamela Yellen, A Bank on Yourself Battle Royale

Not Your Average Financial Podcast™

Play Episode Listen Later Feb 1, 2019 31:17


In this episode, we ask: What are Dave Ramsey’s major complaints about Whole Life Insurance? What does Dave Ramsey’s website say about term insurance? What is term insurance worth? How do you get the value in term insurance? What is the rate of return you can actually get in the marketplace? Does Dave Ramsey compare...

Grandma's Wealth Wisdom
FIRE Perfect Match (Financial Independence, Retire Early)

Grandma's Wealth Wisdom

Play Episode Listen Later Dec 20, 2018 20:14


Becoming financially independent is the moment your investments start paying more than your expenses. And when this happens, you’re ‘free.’ Free from trading your time for money. Free from having to work for a living. Free from having to worry about bills or paying rent on time. But with so many different options on the table to reach your FIRE goal, which should you choose? In today’s episode, you’re going to discover the perfect match for achieving your FIRE life using a time-tested tool that half the American population used back in Grandma’s day to build a rock-solid foundation, allowing them to rest easy, knowing they had a reliable financial strategy. Here Are The Show Highlights: - Attributes that make this asset ‘catch’ FIRE - and it only gets better over time (3:40) - Bank On Yourself ®: 4 Key benefits for growing and protecting your financial future with this time-tested investment vehicle (10:00) - The risk-free way to maximize the growth of your bond funds as a FIRE enthusiast (14:40) --------------------------------------------------------------------------------------------------------------------- All guarantees are based on the claims-paying ability of the insurer. Dividends are not guaranteed. The presenter(s) is not a licensed tax professional and this information is not to be construed as giving specific tax or planning advice. Tax laws are subject to change. Excess policy loans can result in termination of a policy. A policy that lapses or is surrendered can potentially result in tax consequences. Your results will be different from any discussed here, as each policy is custom tailored. Bank On Yourself® is a registered trademark owned by Hayward-Yellen 100 Ltd Partnership and is used with permission of the trademark owner here. This information represents the opinions of Amanda and Brandon Neely of Business Activist Entrepreneur, L3C and not of Bank On Yourself or Pamela Yellen. Pamela Yellen and Bank On Yourself and its affiliates, directors, officers, and employees are not responsible for any errors and omissions, or for the results obtained from the use of this information and will not be held liable for any direct, special, indirect, incidental, consequential, punitive, or other damages related to the use of this information. --------------------------------------------------------------------------------------------------------------------- Remember to download Grandma’s free wholesome wealth recipes book by dropping into www.grandmaswealth.com. Time-honoured wealth strategies served with a helping of balance and trust. If you’d like to see how Grandma’s timeless wealth strategies can work in your life, schedule your free 15-minute coffee chat with us by visiting www.grandmaswealthwisdom.com/call...just like Grandma would want us to do.

Beyond 50 Radio Show
EPISODE 852 - The Bank on Yourself Revolution

Beyond 50 Radio Show

Play Episode Listen Later May 25, 2018


For Beyond 50's "Finance" talks, listen to an interview with Pamela Yellen. She is back on the show to educate. As a consultant to more than 40,000 financial advisors over more than 20 years, Yellen investigated more than 450 financial products and strategies. She concluded that Americans are being brainwashed into accepting they have to risk their money in order to grow it. Today more than 500,000 Americans are using this method to achieve predictable savings growth, financial security and self-sufficiency. Yellen is so confident of its effectiveness that she has offered $100,000 to the first person who can find a better financial strategy. Find ot about her proven methods to you get out of debt, build savings and achieve lifetime goals. These are the strategies and tips people need to be self-reliant and secure. Tune in to Beyond 50: America's Variety Talk Radio Show on the natural, holistic, green and sustainable lifestyle. Visit Beyond 50 Radio (http://www.Beyond50Radio.com) and sign up for our Exclusive Updates.

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Not Your Average Financial Podcast™
Episode 33: Bank On Yourself Loans & Getting Out of Debt

Not Your Average Financial Podcast™

Play Episode Listen Later Apr 20, 2018 19:16


In this episode, we ask: Shouldn’t we pay down our debt first before doing anything else with our money? How did Pamela Yellen’s husband “make a profit” on his heart surgery? How can you reduce or eliminate your debt and increase your savings at the same time? How can policy loans help you get out...

Creating Wealth Real Estate Investing with Jason Hartman
CW 654 FBF – John Stapleford – Ethics and Public PolicyJohn Stapleford, Senior Economist for Moody's Economy.com

Creating Wealth Real Estate Investing with Jason Hartman

Play Episode Listen Later Apr 1, 2016 27:49


No, the above title is not a typo. According this week's Creating Wealth Show guest, John Stapleford, it is possible for ethics and public policy to have a direct correlation. Stapleford is not only a senior economist for Moody's Economy.com, professor emeritus of economic development at Eastern University and former director of the University of Delaware's Bureau of Economic Research but is also the well-known author of Bulls, Bears & Golden Calves. This book provides clear guidance for identifying and discussing important ethical issues connected to an economy's organization and public policy issues from a faith-based foundation. Tune in to this two-part series and discover the crucial reasons why the study of economics should not be disconnected from ethical concerns. Upcoming shows will feature: Pamela Yellen, founder and President of Bank on Yourself and John Stapleford's closing episode to his two-part series on ethics and public policy.

MoneyForLunch
Mark Langford, Alicia Davis, Annie Gallagher, Pamela Yellen

MoneyForLunch

Play Episode Listen Later Dec 28, 2015 64:00


Mark Langford successful corporate and entrepreneurial experience and coaching training.  He decided to transition out of the corporate world and founded C-Synergy, LLC  to help both people to get clear on their purpose and calling, to develop manageable action plans and to connect and operate from their inner wisdom. Alicia Davis experience in healthcare specializing in the healing arts, stress reduction, mind/body connection, mindfulness practices, and individual and team wellbeing. She brings a unique approach to health, wellness and balanced living Annie Gallagher president of Gallagher Consulting Group. Annie has worked with clients in more than 39 industries to advance missions and achieve profit goals Pamela Yellen financial security expert and New York Times best-selling author of 2 books, including her latest, The Bank On Yourself Revolution: How to Fire Your Banker, Bypass Wall Street and Take Control of Your Own Financial Future.She researched over 450 different financial products and strategies searching for alternatives to the risk and volatility of stocks and real estate For more information go to MoneyForLunch.com. Connect with Bert Martinez on Facebook. Connect with Bert Martinez on Twitter. Need help with your business? Contact Bert Martinez. Have Bert Martinez speak at your event!

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MoneyForLunch
Mark Langford, Alicia Davis, Annie Gallagher, Pamela Yellen

MoneyForLunch

Play Episode Listen Later Dec 21, 2015 64:00


Mark Langford successful corporate and entrepreneurial experience and coaching training.  He decided to transition out of the corporate world and founded C-Synergy, LLC  to help both people to get clear on their purpose and calling, to develop manageable action plans and to connect and operate from their inner wisdom. Alicia Davis experience in healthcare specializing in the healing arts, stress reduction, mind/body connection, mindfulness practices, and individual and team wellbeing. She brings a unique approach to health, wellness and balanced living Annie Gallagher president of Gallagher Consulting Group. Annie has worked with clients in more than 39 industries to advance missions and achieve profit goals Pamela Yellen financial security expert and New York Times best-selling author of 2 books, including her latest, The Bank On Yourself Revolution: How to Fire Your Banker, Bypass Wall Street and Take Control of Your Own Financial Future.She researched over 450 different financial products and strategies searching for alternatives to the risk and volatility of stocks and real estate For more information go to MoneyForLunch.com. Connect with Bert Martinez on Facebook. Connect with Bert Martinez on Twitter. Need help with your business? Contact Bert Martinez. Have Bert Martinez speak at your event!    

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MoneyForLunch
Mark Langford, Alicia Davis, Annie Gallagher, Pamela Yellen

MoneyForLunch

Play Episode Listen Later Sep 2, 2015 65:00


Mark Langford  25-years of successful corporate and entrepreneurial experience, Harvard MBA and coaching training.  He decided to transition out of the corporate world and founded C-Synergy, LLC  to help both people to get clear on their purpose and calling, to develop manageable action plans and to connect and operate from their inner wisdom. Alicia Davis with over 20 years of experience in healthcare – specializing in the healing arts, stress reduction, mind/body connection, mindfulness practices, and individual and team wellbeing – Alicia brings a unique approach to health, wellness and balanced living. As a certified Core Energy and Energy Leadership™ coach, she provides coaching to a diverse range of clients including:  Executives in healthcare who want to improve team engagement and employee retention; healthcare staff who want to prevent burnout; service providers who are looking to elevate the quality of client care; and individuals who want to shift from a high-stress to a high-energy lifestyle Annie Gallagher  president of Gallagher Consulting Group. Annie has worked with clients in more than 39 industries to advance missions and achieve profit goals. Organizations such as American Electric Power, Cardinal Health, Dave Thomas Foundation for Adoption, Longwood Gardens, Nationwide Insurance, and PriceWaterhouseCoopers engage Annie and her firm to help develop top level executives and strategies Pamela Yellen financial security expert and New York Times best-selling author of 2 books, including her latest, The Bank On Yourself Revolution: How to Fire Your Banker, Bypass Wall Street and Take Control of Your Own Financial Future. Pamela researched over 450 different financial products and strategies searching for alternatives to the risk and volatility of stocks and real estate

Living Wealthy Radio
Financial illiteracy: Do YOU know the truth about money? With Pamela Yellen

Living Wealthy Radio

Play Episode Listen Later Aug 14, 2015 45:00


www.livingwealthyfinancial.com How do YOU stack up against the huge percentage of the American population that is financially illiterate and lacks basic skills in the areas of doing calculations, debt management, and asset building? The American College recently surveyed retirees and pre-retirees with at least $100,000 in household assets (not including their primary residence) and discovered that only 20% of them could even pass the 5-question, multiple-choice financial quiz – and not a single one scored an A on the test! The Securities and Exchange Commission reports that “investors have a weak grasp of elementary financial concepts, and lack critical knowledge of ways to avoid investment fraud.” Could you be one of so many Americans who are under-informed or even misinformed about your investments and retirement plans? What can you do to overcome this problem? Our guest, Pamela Yellen, is the New York Times Best Selling author behind the life changing system, Bank on Yourself, and the creator of the Financial IQ Quiz, which identifies key weaknesses and helps investors take control of their financial future. www.BankOnYourself.com

MoneyForLunch
Bert Martinez joined by Mary King, Kevin Freiberg and Paul J. Nick

MoneyForLunch

Play Episode Listen Later Jan 19, 2015 65:00


Mary King IRS Problem Solving Attorney and co- author of the book Protect and Defend. Mary's career as an attorney began in 1993 after graduating from Stetson University College of Law.   Her career in law has primarily focused in IRS problem solving as well as mortgage foreclosure defense Kevin Freiberg has made a career out of equipping leaders for a world of change. In his international best seller NUTS!, he uncovered the strategies used by Southwest Airlines to create the greatest success story in the history of commercial aviation. His latest book is Do Something Now! Three simple words that could change your organization—change your life. The most limited resource in organizations right now is not money, talent, ideas or power; it's people who add value and get things done. Everyone wants to add value and this book shows you how.  In his books, GUTS! and BOOM!, he discovered what revolutionary leaders and their companies are doing to Blow the Doors Off Business-As-Usual. In NANOVATION, he takes you behind the scenes and shows you how, in the face of insurmountable odds, Tata Motors created the NANO, a $2500 car Paul J. Nick author, serial networker, & Owner of South Texas Financial Group. He has been seen in USA Today & ETV.  Paul has practiced as a financial strategist and retirement specialist since 1993. Paul has successfully designed progressive strategies that have continuously increased his clients' wealth and provided certainty for their income during retirement. His experience and customized approach empowers his clients to embrace revolutionary planning concepts that instill wealth-building habits, provide peace of mind and ultimately lead to an abundant lifestyle. He Co-Authored the book “The Secrets To Lifetime Financial Security” with  New York Times Best-Selling author Pamela Yellen

MoneyForLunch
Bert speaks with Mary King, Meg Rentschler, Michael Jaspan, Mike Marsteller

MoneyForLunch

Play Episode Listen Later Dec 23, 2014 63:00


Mary King IRS Problem Solving Attorney and co- author of the book Protect and Defend. Mary's career as an attorney began in 1993 after graduating from Stetson University College of Law.   Her career in law has primarily focused in IRS problem solving as well as mortgage foreclosure defense Meg Rentschler Executive Coach and  Licensed Clinical Social Worker.  She has spent the last 30 years working with clients to improve their relationships, communication, productivity and overall effectiveness.  Her experience stretches across the fields of transportation, technology, financial, energy, healthcare and service industries.  Meg is an adjunct instructor at The University of Texas Dallas where she teaches in the Graduate Program for Executive and Professional Coaching Michael E. Jaspan is involved in community with the F&A Masons. He has been in the industry for 29 years, advising clients how to grow their wealth, reduce their taxes and achieve their dreams of financial security. As a SAFE MONEY SPECIALIST the notion of RISK is not an alternative. During the years, Michael has found very unique strategies to help his clients. One of them is explained in the book that he co-authored wit Pamela Yellen and 30 other financial specialists Mike Marsteller best-selling author and nationally recognized motivational speaker focusing his message on teenagers and educators. He speaks about resilience, leadership, and how to deal with bullies. He's also the founder of a grassroots non-profit organization called HCM Foundation that helps patients and families who are significantly impacted by cancer. He's an avid runner, cyclist, and ironman triathlete

Living Wealthy Radio
Dean Rotbart: Pulitzer prize nominated journalist examines "Bank on Yourself"

Living Wealthy Radio

Play Episode Listen Later Dec 3, 2014 55:00


Best of Living Wealthy Radio- www.livingwealthyradio.com   Dean Rotbart, a Pulitzer Prize nominated former financial columnist and editor at The Wall Street Journal joins Teresa to discuss his independent investigation of the principle of becoming your own banker. Rotbart examined carefully the claims made by Pamela Yellen (author of "Bank on Yourself") and others regarding how dividend-paying whole life insurance can be used successfully in financial planning. Rotbart, initially skeptical of Bank on Yourself, came to some surprising conclusions as he approached the concept from the viewpoint of an investigative journalist. If you're looking for alternatives to Wall Street, banks, and other financial institutions, you need to hear what an acclaimed financial writer has to say about banking on yourself.  

Living Wealthy Radio
Teresa Kuhn and Kristin Colca Talk "Bank On Yourself

Living Wealthy Radio

Play Episode Listen Later Nov 4, 2014 43:00


Today's show has host Teresa Kuhn in the guest chair, along with her colleague and fellow advisor Kristin Colca. Kristin and Teresa explain the basics of Bank On Yourself(r), why it is the best method for cash management, and why hundreds of Living Wealthy clients will never need to lose money on Wall Street again. #Bankonyourself, the revolutionary cashflow management system founded by Pamela Yellen, provides unparallelled safety, liquidity, and control using specially-designed whole life insurance. You can learn even more about BOY by going to Teresa's site at http://www.livingwealthyfinancial,com.  

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MoneyForLunch
Bert Martinez talks with Pamela Yellen, Juanjo Bravo and Emma Tiebens

MoneyForLunch

Play Episode Listen Later Aug 28, 2014 63:00


Emma Tiebens Speaker and Brand Marketing and Monetization Expert, Author of 3 books on Online Brand Marketing and Trusted Authority Positioning, including #1 Amazon Best Selling Book, “Magnetic Memorable and TRUSTED”.  She's a Mentor to Experts, Entrepreneurs, Visionaries and Global Influencers enabling them to gain a V.I.P. Brand with Visibility, Influence and Profits Pamela Yellen New York Times best-selling author of THE BANK ON YOURSELF REVOLUTION: Fire Your Banker, Bypass Wall Street and Take Control of Your Own Financial Future. Pamela, you talk about the Bank On Yourself revolution and that current financial strategies are broken. What is this revolution and what's wrong with current strategies? Juanjo Bravo expert animator that started his career drawing on paper classic 2D animation. He grew up watching Disney 2D animation films and Chuck Jones' TV series. He changed his drawings for digital 3D animation twelve years ago keeping his passion for animation. After working in London  in several projects including 3D TV series for Disney Channel and the BBC, Juanjo returned to Spain to develop personal projects as a visual artist and to settle in Spain. Then he was recruited for the PrimerFrame School pedagogical team as a Project Tutor and Animation teacher    

MoneyForLunch
Bert Martinez speaks with Francis Jackson, Floyd Smith, and Gary Watkins

MoneyForLunch

Play Episode Listen Later Aug 25, 2014 40:00


Floyd Smith CEO of Petron Energy II, Inc., the stock symbol is “PEII” the company is in the oil and gas space Francis Jackson attorney who specializes in disability law for those seeking veterans disability benefits and social security disability benefits.  A founding partner of Jackson & MacNichol. He has been featured on NBC, CBS, ABC and FOX network affiliates around the countr.  He most recently appeared as a guest of Ben Glass on the “Consumer Advocate” show discussing benefits for veterans and social security disability benefits and how his practice allows him to make a difference in the lives of people facing disabilities.  He has also been quoted in USA Today and is listed in Cambridge Who's Who.  Mr. Jackson was  honored by the National Academy of Best Selling Authors with a "Quilly" award  for his contribution as a joint author to the Amazon best selling book, "Protect and Defend" where he wrote about protecting one's rights to veterans disability compensation  

Jimmy Harding presents Game Changer Talks
GCT-002: Pamela Yellen - Discover How to Protect Your Assets and Fire Your Banker

Jimmy Harding presents Game Changer Talks

Play Episode Listen Later May 31, 2014 49:50


Listen to this episode of Game Changer Talks to learn about Pamela Yellen's journey to financial success and how she developed “Bank on Yourself” method. She will share her game-changing strategies and principles that will help you protect your assets and become your own banker. Don’t miss this episode! You can find show notes and more information by clicking here: http://bit.ly/1u0WWBE

Sound Retirement Radio
Bank on Yourself with Pamela Yellen

Sound Retirement Radio

Play Episode Listen Later Nov 21, 2012 30:01


Jason Parker interviews Pamela Yellen regarding her New York Times and Wall Street Journal bestselling book Bank on Yourself.  To learn more visit her website at www.bankonyourself.com

A Fresh Start Archives - WebTalkRadio.net
A Fresh Start – How to Grow and Protect Your Wealth Even in Turbulent Times?

A Fresh Start Archives - WebTalkRadio.net

Play Episode Listen Later Nov 5, 2012 55:33


Anyone who has ever lost money in stocks or other investments will be interested in what Pamela Yellen has to say – Sallie Felton certainly is! Learn: 1) How you can take control of your financial future, 2) How parents can teach their kids to become financially self-reliant? 3) Tips to help Americans boost their […] The post A Fresh Start – How to Grow and Protect Your Wealth Even in Turbulent Times? appeared first on WebTalkRadio.net.

The Best Ever You Show
Pamela Yellen

The Best Ever You Show

Play Episode Listen Later Mar 31, 2011 61:00


Please join us for a special one hour live interview with author Pamela Yellen. Pamela Yellen is an author and financial security expert who believes Americans shouldn't have to put up with risk and volatility to achieve their financial goals. Pamela is founder and president of Bank On Yourself (www.BankOnYourself.com) and author of the New York Times best-seller BANK ON YOURSELF: The Life-Changing Secret to Growing and Protecting Your Financial Future. Her proven path to financial security uses a little-known, specially designed type of dividend-paying whole life insurance policy. Families who use the Bank On Yourself method saw their savings continue to grow safely and predictably, while everyone else lost money during the 2008 financial collapse. These policies even gained value during the 1929 stock market crash, as well as every boom and bust period for more than a century. Yet few people or financial experts know about them. On the show, Pamela will tell us why she offered $100,000 to anyone who can find a better financial strategy than Bank On Yourself. Listen in and learn alternatives to 401Ks, banks and the ups and downs of the stock market!

Reimagined Radio
Pamela Yellen and Your Relationship With Money

Reimagined Radio

Play Episode Listen Later Feb 18, 2010 60:00


Pamela reveals the reasons why conventional financial and retirement planning and investing strategies are not working, and what American families can do today to take back control of their financial future. More than 100,000 Americans are already using Bank On Yourself to grow their nest-eggs safely and predictably every year, even when stocks, real estate and other investments tumble. This has helped give people the peace of mind and financial security they seek, even as the greatest destruction of household wealth in history continues to take its toll.