Podcasts about PUA

Play Episode Listen Later May 16, 2026 59:48

https://www.givesendgo.com/wrap-around-the-punt-familyBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans delivers the third installment of the IBC Master Class, walking through the mechanics of policy loans and making an urgent case for why protection must come before growth. Hans implores fathers to button up their protection plan before chasing the next moonshot investment. He then transitions into the technical heart of the episode: how policy loans actually work, why they're the most powerful lending tool available to consumers, and how this single mechanism lets you keep your money compounding while you put it to work elsewhere.Chapters: 00:00 – Opening segment 01:00 – Recap of Parts 1 and 2: cash value, base premium, PUA, and the MEC line 05:30 – A father's tragedy and a wake-up call 08:30 – Why "buy term and invest the difference" leaves families exposed 11:25 – Protect, save, grow: the proper order of operations 13:30 – The three types of economic death (Solomon Huebner) 18:35 – The Accelerated Death Benefit Rider: a free lifeline most people ignore 20:15 – Waiver of premium and how a policy becomes self-completing 23:00 – Setting up the policy loan illustration24:35 – The three players: cash value, the insurance company, and your bank account 27:25 – Why moving money from savings, stocks, or HELOC depletes the source 29:50 – Using the death benefit as collateral (and why the company says yes) 32:20 – The certainty of repayment: why there's no schedule, application, or credit check 36:40 – The mortgage comparison: what changes when the lender is the guarantor 40:05 – Bitcoin-collateralized loans vs. policy loans: control and stress 43:45 – The 100% rate of return: how you become the banker 48:00 – What the illustration doesn't show you: capital working in multiple places 50:50 – Non-direct recognition: getting the full dividend regardless of loans 52:55 – The free rider that becomes a lifeline (revisiting accelerated death benefit) 57:50 – Closing thoughts Key Takeaways:Protect, save, grow is the order, not a suggestion. Optimizing for IRR while leaving protection gaps builds a skyscraper on sand. One accident, illness, or long-term care event can wipe out every growth asset you've ever acquired.The policy loan is the most effective lending tool a consumer has access to. No application, no credit check, no schedule, no amortization, no questions asked. Because the insurance company is the guarantor of the collateral, they have certainty of repayment and don't care when you pay it back. Your cash value never gets touched. The company lends you their money and collateralizes your death benefit. Your full cash value keeps compounding, your dividends are calculated on the full policy value, and your capital stays working. The Accelerated Death Benefit Rider is a free lifeline most policyholders forget exists. A specific medical condition, chronic illness, or terminal diagnosis lets you advance your death benefit while you're still alive. You become the banker by spreading on your own capital. Borrow at 5%, invest at 10%, and you've replicated what commercial banks do. That's a 100% rate of return on the spread. The illustration doesn't show the whole picture. The cash value column shows uninterrupted compound growth, but it doesn't reveal that the same capital can be funding rental properties, syndicates, and options trades simultaneously.

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vol.358 杜十娘：可以骂我赌徒，别骂我恋爱脑

枕边风 theuglytruth

Play Episode Listen Later May 16, 2026 63:54

最近，B站上有一批视频，把杜十娘重新判了一次案：她手握价值千万的百宝箱，却用来做人性测试；她明明有钱脱身，偏要靠男人；她算计、控制、PUA——是"娼妓思维"导致了自己的溃败。miya某天被相征拉着看完这些视频，两个人当场聊开了。这一期，他们从明代的"贱籍"制度讲起——那不是一份职业，而是一个世袭的法律身份，剥夺财产权、婚姻权、科举权，连下一代都跑不掉。在那个框架里，杜十娘手上的钱不是底气，是烫手山芋；李甲不只是个暖男，是她试图穿越整个阶级壁垒所能找到的唯一杠杆。相征说："她测试的，从来不是李甲爱不爱她，而是李甲有没有能力和决心，让她变成一个普通人。"至于那个没有提前亮出来的百宝箱——miya的判断是：那可能是两个人一起往后过日子的初始资金，是一个把自己和对方当成一个整体的人，会做的事。节目最后，两个人把话题从明朝拉到了当下。为什么同样一个故事，今天会被这么多人读成"捞女教材"？相征说，是整个社会都开始把爱情理解成一种资源交换，当大家都能"理解"李甲，杜十娘就会一次又一次沉入江水。miya说，也许爱情，是这个充满痉挛和不安全感的时代里，为数不多还值得赌一把的东西。--时间戳--02:39 B站上的杜十娘新解读05:55 杜十娘怒沉百宝箱始末13:26 网络怎么骂她：捞女、又蠢又坏、娼妓思维17:37 贱籍是什么：不是职业，是世袭的法律枷锁23:31 理想主义者撞上精致利己主义者33:49 典型双标：男的叫洞察人性，女的叫算计捞女39:49 她考验的不是爱，是能不能让她变成普通人43:45 当所有人都理解李甲，杜十娘就会一次次沉入江水53:08 爱情也许是这个时代为数不多值得赌的事《女娲舞厅》独立开台了你可能已经在《枕边风》里听过她。从现在开始，我们决定给她一个独立的家，《女娲舞厅》会在独立的播客频道继续更新。《枕边风》里原来的「女娲舞厅」节目还会留在那里，但新的对话，都会在新台发生。Miya 会在这里对话不同的女性朋友，走进她们的世界，看见她们身体里的风暴与舞蹈。不是只有女性才能听——这里是每个人都可以来坐坐的地方。欢迎在小宇宙 / 喜马拉雅 / 荔枝FM / 网易云音乐 / Apple 播客搜索「女娲舞厅」找到她。--加听友群--加深夜谈谈子微信（微信号: SYTT-midnightalks）并回复：枕边风听众群，即可进群。--本期团队-- 主播 / miya 相征后期 / 昊宇制作人 / yiwen视觉设计 / 小王--本节目由深夜谈谈 MidnightNetwork出品—-深夜谈谈播客网络旗下播客：大内密谈、枕边风、空岛、女娲舞厅、随便聪明、淮海333-你还可以在这里找到我们：小红书：@miya 、@深夜谈谈微博：@枕边风Whisper_and_Roar微信公众号：枕边风 Whisper&Roar商务合作邮箱：biz@midnightalks.com

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PE Erre es más divertido que RD

Siempre es Lunes

Play Episode Listen Later May 11, 2026 130:32

Auspiciado por Vital Full of Life. Coopera con Glenda Maldonado en este enlace. Despedimos a José "Piculín" Ortiz, una de las grandes figuras del deporte puertorriqueño, con mucho cariño, pero siempre irresponsables, como el abogado queriendo quitarle el nombre al Coliseo Roberto Clemente, o Spirit dejando exempleados sin el cheque de desempleo. Estamos listos para otro PUA con el hantavirus, pero nos tendremos que conformar con otra canción de Shakira para el Mundial, y la esperanza de que Benito preñe a Sabrina Carpenter. Oscar Navarro finalmente se va viral gracias a su ofrenda a Speed donde demostró tanto talento como Machito Swing en Boricuas con Talento, y menos aborrecimiento como Ada Torres Toro con la Met Gala. Patrones PYMES: Casola Nana's Stuffing Jandi Nuestras redes sociales: Tío Macetaminofen Sol Guzabra El George El Come Siempre es Lunes

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Whole Life Dividends Explained: What They Are – and What They Are Not

Play Episode Listen Later May 11, 2026 57:33

When most people hear "dividend," their brain goes straight to stocks. That's understandable. And completely wrong when applied to whole life insurance. https://www.youtube.com/live/HPXaTnOOU4U That one assumption causes real problems. People chase companies with the highest declared dividend rate. They compare illustrations side by side and pick the bigger number. They make decisions based on a metric that, on its own, tells them almost nothing about how their policy will actually perform. This article gives you a clear picture of what whole life dividends actually are, what they're not, and what really determines whether your policy works for you over the long run. The conclusion is probably not what you'd expect: the most important factor isn't the dividend rate, the company, or even the policy design. It's your own behavior.For a deep dive into how dividends are calculated and the four biggest myths about dividend rates, see our earlier conversation with Perry Miller here. Table of ContentsKey TakeawaysWhat Whole Life Dividends Actually AreHow the Money Actually MovesNot Guaranteed, but Highly ProbableThe Coca-Cola AnalogyWhat Whole Life Dividends Are NotNot Stock DividendsNot a Simple Interest Rate on Your Cash ValueNot in Addition to the Guaranteed Interest RateHow Dividends Are Actually Allocated to Your PolicyThe Endowment RequirementWhy Younger Policyholders Get a Smaller ShareWhy Base Premium Gets Higher Crediting Than PUAsThe Direct vs. Non-Direct Recognition DistinctionWhy the Dividend Rate Is the Wrong Thing to CompareThe Factor That Matters More Than Any of This: Your Own BehaviorWhy Premium Consistency MattersWhy Loan Repayment Matters Just as MuchThe Bottom Line on BehaviorHow to Use Your Dividends StrategicallyStop Chasing the Rate. Start Building the SystemBook a Strategy CallFrequently Asked QuestionsWhat are whole life insurance dividends?Are whole life dividends guaranteed?How are whole life dividends different from stock dividends?Does a higher dividend rate mean a better whole life policy?What is the best way to use whole life dividends?What is direct vs. non-direct recognition in whole life insurance? Key Takeaways Dividends are return of excess premium. What happens between your payment and your dividend is capital management, not a refund. A 6% declared rate does not mean 6% cash value growth. Actual growth depends on Age, base-to-PUA ratio, and other policy design options. Loan activity can also affect results with direct recognition companies. The guaranteed interest rate is not separate but makes up part of the declared dividend. 2% guarantee plus 6% dividend does not equal 8%. Younger policyholders get less of the dividend pool. Older policyholders get more. Endowment math. Base premium gets higher crediting than PUAs because the company can count on it. Never compare direct and non-direct recognition illustrations without modeling loan activity in both. Your behavior matters more than the rate, the company, or the design. What Whole Life Dividends Actually Are For tax purposes, the IRS classifies whole life dividends as a return of excess premium. That label gets used against whole life all the time. "See? They're just giving your money back." It's not. If you paid $500,000 into a policy over twenty years and now you have $1.7 million in cash value, nobody just gave your money back. You have far more than you paid in. How the Money Actually Moves Insurance companies are extremely conservative in their projections. They overestimate mortality costs, overestimate expenses, and lowball what their investment portfolio will return. That's deliberate. It protects your money for the long run. The CIO deploys premiums into a portfolio that's roughly 75 to 85 percent fixed income: bonds, mortgage-backed securities, and some real estate. A small sliver sits in equities. The company pays death benefit claims, pays operating expenses, and sets aside money into reserves. Then the board declares how much of the remaining surplus goes back to policyholders. Three factors drive that surplus: investment performance against projections, operating expenses against budget, and actual mortality experience against actuarial estimates. Beat expectations on any of those, and policyholders share in it. Not Guaranteed, but Highly Probable Dividends sit outside the contractual promises; unlike the death benefit, the cash value growth, and the level premium, they're not guaranteed. But mutual companies have paid them consistently for over 100 years. Through recessions. World wars. The 2008 crisis. A decade of near-zero rates. They adjusted downward. They didn't vanish. The Coca-Cola Analogy Coca-Cola has excess profits because they charge more per can than they need to. That's how they fund dividends to shareholders. A mutual insurance company works the same way. It prices conservatively, manages capital, and returns the surplus. But here's the difference. As a policyholder of a mutual company, you're not just a customer. You're a part-owner. You participate in your company's profits. What Whole Life Dividends Are Not Not Stock Dividends Stock dividends are volatile, taxable in the year received, and are subject to cuts or elimination in a bad year based on economic factors that swing wildly. Whole life dividends from mutual companies are non-taxable (classified as return of premium), built on actuarial science rather than market speculation, and backed by a stability track record that equity dividends simply can't match. Even during the financial crisis of 2008, when bond rates dropped and stayed down for over a decade, mutual companies adjusted their dividend rates. They didn't collapse. They didn't plummet to near zero. They adjusted. Not a Simple Interest Rate on Your Cash Value This is the misconception that causes the most confusion. If a company declares a 6% dividend, that does not mean your cash value grows by 6% that year. You can't just take 6% and apply it to your current cash value. There's a list of reasons why. That declared rate is gross, before administrative fees, before mortality costs, and before the actuarial mechanics that make your policy endow at age 120 or 121. The actual impact on any individual policy depends on the policyholder's age, the ratio of base premium to PUAs, other policy design options. Additionally, if with a direct recongnition company, whether there are outstanding loans. Same rate but very different outcome depending on who you are and what you're doing with the policy. Not in Addition to the Guaranteed Interest Rate This trips people up constantly. They see a guaranteed interest rate of 2% and a declared dividend of 6% and assume they're getting 8% growth. That's not how it works. The guaranteed rate is already inside the dividend. The company guarantees it can make at least 2%. If it earns enough to support a 6% crediting rate, the additional performance above the 2% floor is what generates the dividend. So the real outperformance is 4 percentage points and not 6 stacked on top of two. How Dividends Are Actually Allocated to Your Policy This is the part that goes beyond what most dividend conversations cover. And it matters if you want to understand what your dividend actually means for your specific policy. The Endowment Requirement Every whole life policy is contractually engineered to endow at age 120 or 121. That means your cash value and your death benefit will be equal at that point. This isn't a footnote buried in the contract. It's the mathematical engine driving how dividends get allocated. The company has to make sure every policy's cash value reaches the death benefit by that endowment date, regardless of what the markets do along the way. Why Younger Policyholders Get a Smaller Share Contrast a 20-year-old and a 60-year-old. Both paying $10,000 per year into a whole life policy. The same premium and the same declared dividend rate. They receive very different dividend credits. The 20-year-old has 100 years until endowment. That cash value has an enormous runway to compound. Less dividend is needed today because time does the heavy lifting. The 60-year-old has only 60 years. Their cash value needs a bigger share of the dividend pool to close the gap between cash value and death benefit faster. Same rate but a very different allocation. And it's not unfair. It's contractual. The policy promises to endow at a specific age, and the actuarial math allocates accordingly. Why Base Premium Gets Higher Crediting Than PUAs Base premium is the portion you're contractually obligated to pay every year. The company knows it's coming. The CIO can plan investment decisions around that certainty and deploy capital with confidence. Paid-up additions are optional. You don't have to pay them. The Chief Investment Officer can't rely on PUA contributions the same way when making long-term decisions. There's a second factor too, with base premium, the death benefit relative to the premium amount is much higher. A policyholder paying $100,000 in base premium might carry a death benefit of $800,000 or $1 million. That cash value has to close a gap of $700,000 to $900,000 by endowment. But $100,000 of PUA premium might only buy $200,000 of death benefit, because it's already paid up. It only needs to grow by $100,000 over the same period. So the dividend has to work harder on the base side. More crediting goes there, especially in the first 20 to 30 years. If someone funds PUAs religiously for three decades and the PUA's death benefit grows to exceed the base death benefit, the crediting can equalize. But until then, base drives the dividend engine. The Direct vs. Non-Direct Recognition Distinction A non-direct recognition company credits the same dividend whether you've borrowe

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

Poor Unfortunate Podcast: A Disney Podcast for Grown Ups

Play Episode Listen Later May 8, 2026 135:44

Connect with Rohit Punyani: https://ownersasset.com/resource-libraryBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans is joined by Rohit Punyani, co-founder of The Owner's Asset and a former Wall Street CIO who oversaw $4 billion at a multi-family office and community bank. After 20+ years in financial services starting as a large-cap stock picker, moving into wealth management at Wilmington Trust, and ultimately running money for hundred-millionaires and billionaires—Rohit fell in love with whole life insurance. Now he's built a firm dedicated to helping small business owners buy whole life with pre-tax dollars through cash balance plans.Chapters: 00:00 – Opening segment 01:50 – Rohit's background: from $2B mutual fund to multi-family office CIO 04:30 – How the wealthiest clients actually think (structure over IRR) 06:00 – Why affluent families pushed Rohit toward whole life 08:35 – The five pillars of wealth (and why investments rank third) 09:05 – Overcoming bias: how a Wall Street guy learned to love whole life 13:30 – Banking function: sourcing capital and the limits of margin loans 17:50 – Asset vs. liability: how to think about policy loan repayment 22:35 – Introducing cash balance plans: the 96% cousin of the 401(k) 25:25 – The four major differences between 401(k)s and cash balance plans 26:25 – Contribution limits: putting away up to $400K per year 28:45 – The three-to-five year commitment requirement 33:15 – Who's the ideal candidate (quarterly estimated tax payers) 38:00 – Why you can't use a PUA rider in a cash balance plan 42:25 – The "synthetic PUA": getting Uncle Sam to fund your policy 51:25 – The optionality argument: why this beats chasing rate of return 55:15 – Enhanced ERISA creditor protection inside the plan 58:55 – Building self-escrow systems for retirement 01:03:55 – Wholesale vs. retail pricing on whole life premium 01:06:25 – The distribution mechanics: pulling life insurance out of the plan 01:21:35 – Converting term insurance into a cash balance plan policy 01:24:35 – Asset allocation rules: the 40% life insurance cap 01:31:30 – The 5% corridor: why the IRS caps your returns 01:33:30 – The 50% excise tax on overfunded plans 01:39:55 – Whole life as the "high ground" in your portfolio 01:43:15 – Statement wealth vs. contractual wealth 01:53:55 – Pairing annuities with whole life inside the plan 02:00:00 – Rohit's personal retirement plan 02:06:35 – Designing your 401(k) as your pension (not "on steroids") 02:11:00 – Closing segment Key Takeaways:The wealthy don't worship at the altar of IRR. After running money for hundred-millionaires and billionaires, Rohit learned that affluent clients optimize for structure, behavior, and optionality before they optimize for return. TThe "synthetic PUA" reframes everything for IBC practitioners. You can't use a PUA rider inside a cash balance plan, which might make IBC enthusiasts dismiss it immediately. But think of the tax deduction itself as a synthetic PUA. .Wholesale pricing changes the math entirely. To pay $100,000 of premium with after-tax dollars, you have to earn roughly $140,000 to $150,000 depending on your state. The distribution arbitrage is the cherry on top. When you pull a $1 million policy out of the plan, you owe taxes just like an IRA distribution. But unlike an IRA, the custodian cannot withhold from the policy itself.

S5 E4: The 6th Annual PUAs®

Play Episode Listen Later May 4, 2026 69:39

In this Wild Card episode, Conor and Caroline roll out the purple carpet again for the 6th Annual Poor Unfortunate Awards® (PUAs®)! With 15 unique categories and over 75 nominees, this is the biggest event in Imagined Disney Award history. Prepare yourself for those award season butterflies as they decide who will walk away empty-handed and who will walk into the after party with the coveted Golden Pua®!Follow us on Facebook, Instagram, Threads, BlueSky, and TikTok for fun content and exciting new updates!Subscribe to our YouTube Channel to watch the podcast!Dive deeper into the podcast by becoming a subscriber on our Poor Unfortunate Patreon for ad-free listening, exclusive bonus episodes, and more!Join the Poor Unfortunate Fam, our private community for listeners who love the podcast and want to connect to keep the discussions going! On Discord | On FacebookIf you like what you're hearing, help us keep bringing you your favorite Disney content by making a donation to Poor Unfortunate Podcast today!*This podcast is not affiliated with The Walt Disney Company.

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E97 - IBC Masterclass Pt. 2: The MEC Line and Term Riders

The Wealth Without Wall Street Podcast

Play Episode Listen Later May 1, 2026 57:24

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans returns for Part 2 of the IBC Masterclass, picking up where the first conversation left off. If Part 1 was about understanding what cash value actually is, this episode is about why your policy is structured the way it is, why you can't just dump everything into PUA, and what a real whole life illustration actually looks like line by line.Chapters: 00:00 – Opening segment 03:35 – A brief history of the Modified Endowment Contract (MEC) 07:20 – Section 7702 and the tax benefits that make whole life work 10:35 – The arbitrary 7-year test and how Congress drew the line 17:45 – Why faster payment timeframes require larger premiums 20:30 – Visualizing the MEC line: where the IRS draws the boundary 24:15 – The consequences of MECing a policy (losing your tax benefits) 27:20 – Introducing the term rider: the third type of premium 29:40 – How a small term premium raises your MEC ceiling 31:50 – The 50/50 vs 20/80 tradeoff and when term riders are needed 35:50 – Reading the premium breakdown page 36:50 – Guaranteed vs non-guaranteed sides of the ledger 38:20 – The three assumptions baked into every illustration 45:50 – When your dividend exceeds your base premium 46:30 – Calculating year-over-year growth as a "savings rate" 50:20 – Why you never want premium payments to stop 53:20 – Closing segmentKey Takeaways:Whole life insurance is so powerful that financial services firms had to lobby Congress to restrict it. In the 1980s, money flooded into whole life because CPAs were directing wealthy clients to use single-pay policies as a tax-favorable wealth transfer tool. Mutual fund companies, losing market share, lobbied for what became the 1988 TAMRA legislation and the Modified Endowment Contract rules. The MEC line is the boundary your agent is structuring around. Section 7702A says that if you pay up your death benefit faster than seven years, your policy loses its life insurance tax treatment and becomes a Modified Endowment Contract. Once “MEC'd”, you cannot reverse it. Policy loans, cash value growth, and dividends all become taxable. The term rider exists to expand your PUA allowance. By adding a small amount of term premium (often a few hundred dollars), you buy a large chunk of additional death benefit cheaply. That raises the MEC ceiling, which lets you pay more PUA premium without crossing the line.The more you dial down base in favor of PUA, the more term you need. A 50/50 policy usually doesn't need a term rider. A 20/80 structure does. The tradeoff: more PUA means faster cash value, but it requires more careful structuring to stay under the MEC line.A properly structured policy hits profitability fast. In the Jinx McCashValue example, the policy generates more cash value than premium paid by year three. By year 17, $20,000 of premium creates $41,000 of cash value growth in a single year. By age 65, the dividend alone exceeds the entire annual premium.You should want to keep paying premium for as long as possible. Once your dividend exceeds your premium, every additional payment is a deeply discounted purchase of future tax-free growth. Hans frames this as capitalizing your system, not funding an expense. The day you have to stop paying is the day to be sad, not the day you've been waiting for.

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The Perfect IBC Policy Designed (Exact Math Revealed)

Play Episode Listen Later Apr 28, 2026 17:10

Most people think there's a “perfect” Infinite Banking policy, but what if that belief is exactly what's setting them up to fail? In this episode, Russ and Joey break down one of the most misunderstood questions in Infinite Banking: Is there such a thing as the perfect policy design? Instead of giving a one-size-fits-all answer, they reveal why the right design depends entirely on your goals, timeline, and financial situation.They walk through the two key levers that shape every policy—base premium and paid-up additions (PUA)—and explain how each impacts cash value growth, death benefit, and long-term performance. The conversation also uncovers why many so-called experts get policy design wrong by forcing rigid formulas instead of tailoring strategies. From health and income to business goals and legacy planning, Russ and Joey outline the real variables that determine the optimal structure.Their conclusion is clear: there is no universal perfect design—only the one that aligns with your specific objectives. And getting this right can be the difference between a policy that underperforms and one that becomes a powerful wealth-building system.Top three things you will learn:-The reason there is no “perfect” IBC policy-The difference between base premium and PUA (and when to use each)-How to design a policy that aligns with your goals, cash flow, and timelineDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.

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Infinite Banking Policy Design 101: Ep:2 Part:2

Wealth Warehouse

Play Episode Listen Later Apr 27, 2026 22:14

Most people buying whole life insurance leave 40-60% of potential cash value on the table. Here's why.

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上了常青藤又有什么用？还是会在一瞬间，活成我妈的样子 | Ep.228

Passion Fruits

Play Episode Listen Later Apr 27, 2026 66:45

本期节目是由百年手工皮鞋品牌Bundgaard赞助播出。Bundgaard呢就是大名鼎鼎的兔子鞋啦，崽姐第一双正经的走路鞋就是他们家的Tannu系列。他们家的鞋我每次直播都疯狂夸，因为真的赤足感做的太好了，鞋子的赤足感对足部和身体发育是很重要的。而且因为我自己直播见过很多鞋，能够做到这种小皮鞋很elegant的款式，同时鞋底又这么柔软的，其实真的不多，甚至可以说几乎只有Bundgaard。（第一双Bundgaard，现在回看也太可爱了hhhh）于此同时呢，这也是我期待已久的一期串台！欢迎「碎嘴拉基欧」的冷冷！关注冷冷很久了，一直觉得我们两有很多方面很像，高精力、独立带娃、有一个高敏感事逼老公等等...今天进来酣畅淋漓的讲讲咱，是怎么变成这样的，也讲讲对于小朋友的教育，我们希望他们传承我们什么。【听友专属优惠】在淘宝搜索bundgaard或兔子鞋找到【bundgaard旗舰店】，向客服报暗号【百香果】，即可获得专属30元优惠券，使用时间即日起至2026年12月31日。【本期重点】4:40 正能量和鸡血！因为咱从小就生活在快乐PUA中，没啥不能行啊！12:00 虽然我理智知道父母无条件爱我，但是我的潜意识好像有另一个故事19:30 拥有“全世界都是大好人”世界观，长大后却要一遍遍经历失望34:00 情绪稳定？因为我的世界里只有to do list44:00 运动精神也是一种生活啊方式52:00 代际传承的表现：可以是狗里狗气的全家气质，也可以是不同出口的“叛逆感”59:00 学都白上了！家庭教育才是电脑系统关于Passion Fruits欢迎来到一对普通夫妻Eric和莎莎的Marriage Therapy从恋爱、结婚、生娃，万事都在改变，但我们希望不变的是我们内心对于喜爱事物的热情。所以Passion Fruits不是百香果，是我们用对生命的热情去探讨健康的生活方式、自我追寻的旅途，还有日常的那些碎碎念。主理人Eric：15年篮球玩家退役 10年康复撸铁 4年赛车手 2年Crossfiter 1年Hyrox运动员莎莎：藤校毕业创业7年MomentZ迷之创始人微博小红书抖音如果有就都是 @莎莎Pluss @楼长Eric听友群vx+：momentz0518

hyrox pua crossfiter

E96 - Infinite Banking Masterclass: Premium, Cash Value, and PUA

hosting pua soundon gogoro

Play Episode Listen Later Apr 24, 2026 61:34

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans walks through the mechanics of whole life insurance the same way he walks through it on a first call with every client. If you've ever been confused about premium structure, cash value, or why IBC practitioners pay what they pay, this episode is designed to make it finally click.Chapters: 00:00 – Opening segment 02:10 – What cash value actually is (the $10,000 bond analogy) 06:40 – How time changes the present value of money 10:45 – Adding required payments and how they drag value down 14:20 – The job of an actuary and why term insurance is "cheap" 19:15 – Introducing the $20,000 at 20/80 premium structure 21:00 – Base premium explained (the 20% / $4,000 portion) 26:30 – Why base premium alone doesn't build cash value fast 30:15 – The Dave Ramsey critique and why it falls apart 35:40 – PUA premium explained (the 80% / $16,000 portion) 40:20 – How PUA generates immediate cash value (no future drag) 45:10 – Stacking dividends and the "wedding cake" effect 50:05 – Base vs PUA: which to lean on and when 53:20 – Reframing premium as savings, not an expense 56:15 – Closing segment Key Takeaways:Cash value is not a checking account. It's the net present value of a future death benefit, discounted by time and required premium obligations. Understand that and the rest of whole life insurance starts to make sense.Time and required payments are the two forces that drag down cash value. Shorten the timeframe or remove required future payments, and the present value rises. This is the mechanical reason PUA premium converts to cash value almost immediately.Term insurance is cheap because it's statistically unlikely to pay out. Only one to two percent of term policies ever pay a death benefit. You're buying a narrow, inexpensive slice of the actuarial curve, which is why it costs less than whole life.Base premium is required and primarily buys protection. In a $20,000 at 20/80 structure, the $4,000 base premium puts a large death benefit in force but generates very little cash value in the early years.PUA premium is optional and primarily buys cash value. That same structure directs $16,000 toward paid-up additions, which converts to cash value almost dollar-for-dollar immediately and also increases the death benefit.Dividends compound the structure over time. Using dividends to purchase more PUA grows your pro-rata share of the company, which grows future dividends, which grows the policy further. This is why properly structured policies accelerate with age.You have to understand the asset before you structure it. This is why the first call is about concepts, not your personal situation. The right premium structure can only be chosen after you understand what each dollar is actually doing.

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【二百五新聞週報 0423】沒有旅遊計劃＝人生沒目標？社群媒體加深大家的焦慮；安樂死或全力搶救？擱淺鯨魚掀德國社會正反論戰

婊姐必請

Play Episode Listen Later Apr 23, 2026 43:47

《危险关系》爆火：原来这就是 PUA

一席英语·脱口秀：老外来了

Play Episode Listen Later Apr 15, 2026 8:06

主播：Meimei（中国）+ Maelle（法国）音乐：Then I Got Us孙俪的新剧《危险关系》让我们重新认识PUA。PUA到底是什么？我们又该如何保护自己？01. What is PUA？什么是PUA?最近，孙俪主演的新剧《危险关系》引发了大量讨论。很多观众看完之后都有一个共同的感受：“It felt very realistic and unsettling (令人不安).” 因为这部剧让人意识到一件事：一个人，真的可以在不知不觉中，被慢慢控制。这也引出了两个非常重要的问题：How does this actually happen?以及—— More importantly, how do we fight back?（更重要的是，我们该如何反抗？）首先，我们来看看PUA 这个词。PUA stands for (代表) Pick-Up Artist.最初，它的意思其实是：擅长搭讪、很会 flirting（调情）的人。但后来，这个词的含义发生了变化。“Now it often refers to emotional or psychological manipulation.”（现在，它更多指情感或心理操控。）Manipulation：操控（带有明显负面意味）同时，还有一个经常一起出现的词：Gaslighting这个词来源于 1938 年的戏剧《Gaslight》。“A husband slowly manipulates his wife and makes her doubt her own memory.”（丈夫通过操控，让妻子开始怀疑自己的记忆。）所以，Gaslighting 的核心意思就是让一个人产生self-doubt (自我怀疑)。“You start to question your reality.”（你开始怀疑自己的现实。）02. How does PUA start？PUA 是怎么发生的？Step 1：建立信任 → 情感依赖Most manipulation doesn't start with control. It starts with kindness (操控往往不是从控制开始，而是从“善意”开始).很多manipulation的第一步是Build trust（建立信任），然后再慢慢形成emotional dependency（情感依赖）。 Step 2：忽冷忽热 → 上瘾机制这种有时候很亲密，有时候又突然疏远的hot and cold behavior就是忽冷忽热的行为。The attention becomes inconsistent（关注变得不稳定）.而这种相处模式会产生一种心理作用，inconsistent attention 让人下意识地去寻求unpredictable rewards (不可预测的奖励)。That's what makes it addictive（这正是让人上瘾的原因）.人会逐渐陷入一种emotional roller coaster (情绪过山车)。Step 3：语言操控（PUA phrases）常见的phrases包括：“You're overthinking.”（你想太多了）“You're too sensitive.”（你太敏感了）“That never happened.”（那根本没发生过）这些说法make you question your own reality.03. Why would people become the victims?为什么总是会有人中招？Many experts say manipulation often targets (正中靶心) our emotional needs.那些unmet needs：未被满足的需求,比如：被理解和被关心。Everyone wants to feel understood. 人需要validation，也就是被认可、被肯定。当有人不断给你这种感觉时，你会逐渐产生依赖。很关键,同时也很需要我们分辨的是：sometimes control feels like care有时候，控制会伪装成关心。你以为那是爱，但其实是一种控制。04. How do we detect PUA?如何反侦查PUA？Step 1：识别信号第一步就是要学会识别red flags (危险信号)。也可以说是warning signs (警示信号)。If patterns (模式) repeat again and again, it may be manipulation.Step 2：现实校验Do a reality check. 方法包括：Keep a record（记录发生的事情）并且trust your memory（相信自己的记忆）。Don't let someone rewrite your memory.（不要让别人改写你的记忆。）Step 3：设立边界第三个步骤就是set boundaries就是设立边界。Healthy relationships respect personal space (私人空间).节目最后，主播留下了一句非常重要的话：Real love doesn't make you doubt yourself, it makes you feel more like yourself（真正的爱，不会让你怀疑自己，而是让你更像自己）。欢迎在评论区留言：Have you watched 《危险关系》 recently?正在收听节目的你有看过《危险关系》吗？

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Infinite Banking Policy Design for Long-Term Results

The Mountain Top For Men (formerly The Chick Whisperer):

Play Episode Listen Later Mar 30, 2026 66:27

If You're Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money - coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps shouting “faster” like everything that matters can be microwaved. https://www.youtube.com/live/eDo8JKDV1zI That's why this episode landed with such urgency. Bruce had just attended the Nelson Nash Institute Think Tank and listened to John (our guest) unpack something we've been watching for years: people discovering the Infinite Banking Concept and immediately asking the wrong first question, which is usually some version of, “How fast can I get cash value?” I understand why that question shows up, especially if you're a high-capacity person who moves quickly, solves problems, and expects systems to perform, but I also need to tell you the truth as clearly as I can. If You're Chasing Early Cash Value, Read This FirstShort-term thinking plus Infinite Banking are incongruent. They cannot work together.What Proper Policy Design Protects You FromInfinite Banking Policy Design for Long-Term Results starts with long-range thinkingInfinite Banking Strategy: Control Over Rate of ReturnHow to design a whole life policy for Infinite Banking without chasing early cash valuePaid-up additions (PUA) rider explained in a long-range frameworkTerm riders in Infinite Banking: what you must know about long-range riskAvoid MEC risk in Infinite Banking policy designWhy premium duration matters more than early cash valueThe Big Takeaway: Premium Duration Beats Early Cash ValueListen to the Full Episode: Build This the Right WayBook A Strategy Call Short-term thinking plus Infinite Banking are incongruent. They cannot work together. If you overlay a quick-fix mindset onto a long-range asset like properly designed whole life insurance for Infinite Banking, you may feel like you're winning in year one while silently planting problems that show up in year seven, year twelve, or year twenty, right when you need your system to be the most dependable. This is not about fear. This is about building a process that can carry your family for generations. What Proper Policy Design Protects You From In this blog, Bruce and I are going to translate the core ideas from our conversation into a clear, practical guide you can actually use, because Infinite Banking policy design is one of those topics where the internet can confuse you fast, and confusion always creates hesitation, and hesitation is how families drift. By the end of this, you'll understand: Why the Infinite Banking strategy is built on control over rate of return, and why that ordering matters if you want to minimize regret later. The real tradeoffs behind “max funded” whole life policies, especially when the focus becomes maximizing cash value whole life insurance in the early years at the expense of long-range flexibility. How a paid-up additions (PUA) rider explained clearly can help you understand what's actually happening inside the policy, and why the PUA conversation is often oversimplified online. What a term rider on whole life insurance can do to policy performance and long-term options, including what happens when term riders drop off. How modified endowment contract (MEC) risk can appear through design choices and policy behavior, and how to avoid a MEC in Infinite Banking policy design. Why premium duration matters more than early cash value, especially if you want a policy you can keep funding as your income and capacity expand. This is not theory, and it's not marketing fluff. This is how you build a family banking system that stays strong when life gets real. Infinite Banking Policy Design for Long-Term Results starts with long-range thinking If you're new to Infinite Banking, I want you to take a deep breath and hear this with the right lens: the purpose of this conversation is not to make you distrust the concept, but to help you avoid the traps that happen when people treat Infinite Banking like a short-term investment instead of a long-term capitalization strategy. Bruce opened the episode with a blunt observation that I agree with: some people are turning Infinite Banking into a sales script, and the problem is that it can sell well upfront and even “work” for a few years, but then the long-range consequences appear at the exact moment you're counting on the policy to deliver more flexibility, not less. In the episode, Bruce described scenarios we've witnessed in real client reviews, where policies are designed for short-term optics and later run into constraints that can't be ignored. Sometimes the policy becomes “stuck” because the design doesn't allow meaningful ongoing funding. Other times, the policy can run into serious tax consequences because the underlying structure and behavior collide with IRS rules, especially if someone is heavily borrowing and a rider structure changes or falls off. If that sounds technical, here's the simple heart of it: When you design your policy for quick early wins, you often sacrifice long-term control. And Infinite Banking, at its core, is about control. Control over capital. Control over access. Control over timing. Control over your family's trajectory. Infinite Banking Strategy: Control Over Rate of Return John's background gave this conversation a powerful angle because he spent decades in Silicon Valley tech and data center real estate finance, and he watched how institutional investors - the people with real money and real accountability - make decisions. His key point was simple and disruptive to the consumer mindset: institutional investors prioritize control and risk first, and they treat rate of return as a close third. That matters because most families have been trained to believe that a higher return is the primary “win,” so they chase exposure, speculation, and upside, and then they wonder why the ride feels unstable, why sleep disappears, and why the plan keeps changing every time the market or headlines change. If you want a different outcome, you need a different order of operations. Control first. Risk management second. Return as a result of good process. That is why whole life insurance designed for Infinite Banking is not meant to be your “highest return” asset. It's meant to be a cash-equivalent foundation that stays liquid, predictable, and usable, so you can deploy capital into other assets and opportunities without losing the base. This is the part most people miss: you don't build wealth by finding one perfect asset that does everything. You build wealth by designing a system where each asset has a job, and the jobs complement each other. A properly designed whole life policy is a place to store capital, grow it steadily, and keep access to it through policy loans. The “return” happens when you use that access to create velocity in your personal economy, not when you obsess over the internal rate of return inside the policy itself. How to design a whole life policy for Infinite Banking without chasing early cash value Here's the tension John described that shows up constantly in the online conversation: people assume that high early cash value automatically means high long-term value, because that's how a normal account works, where more money earlier compounds longer. But whole life is not a normal account. John said something that is worth repeating: whole life insurance is a math equation, an actuarial calculation with tradeoffs, and there are no deals in the insurance business. When you optimize one area aggressively, you create a cost somewhere else, because cost and risk are always being balanced. So when someone tells you a “10/90,” “max funded,” or “overfunded” design is automatically “best,” what you should hear is: “This design is optimized for early cash value.” That might be useful in some cases, but it is not automatically best, and in many cases it can be limiting. John highlighted three common ways people chase high early cash value: Short-pay designs (like a 5-7 pay) where premiums stop after a short period. Short-duration PUA riders that allow heavy paid-up additions early but then drop to a much smaller base premium later. Long-duration term riders that allow larger early funding but introduce drag and risk later as the term coverage becomes costly or changes. All three approaches can create an early “pop” in cash value, but they can also create a long-range problem: you may not be able to keep funding the policy meaningfully right when the policy becomes most efficient at converting premium into cash value. This is where Bruce and I want you to slow down and catch the principle: Whole life policies get better every year. Somewhere around year 4-6, the policy often reaches the point where each premium dollar can create more than a dollar of new cash value, and that's when the system starts to feel like an asset that's firing on all cylinders. If your design stops you from funding heavily at that stage, you've built a system that peaks early and then plateaus, which is the opposite of what a family banking system should do. Paid-up additions (PUA) rider explained in a long-range framework PUA is not “bad,” and base premium is not “bad.” The problem is not the existence of PUA. The problem is when PUA becomes the goal instead of the tool. John made a point that surprises people: in many policies, base premium can perform just as well or sometimes slightly better in later years than PUA-heavy funding, because the policy's long-run mechanics are built around the actuarial structure, not the internet buzzwords.

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Hawaiian Concert Guide Show 701 - A Return To Love

Hawaiian Concert Guide

Play Episode Listen Later Mar 29, 2026 115:25

Hawaiian Concert Guide – Show 701 Hoʻi Ke Aloha – A Return to Love Aloha mai kākou, and welcome to another beautiful journey through the sounds of Hawaiʻi. In this episode of the Hawaiian Concert Guide, we share a thoughtfully curated set of mele that flows from intimate contemporary recordings to treasured traditional expressions, with a playful stop in our Exotica segment along the way. Featured in this show are performances by Christy Leinaʻala Lassiter, Gregory Juan, Kamalei Kawaa, Les Waikikings, and Hoʻokena. Together, these artists bring forward themes of aloha, hula, cherished places, treasured lei, beloved flowers, and the enduring beauty of Hawaiian poetry and song. Episode Overview We begin with two selections from Christy Leinaʻala Lassiter's Hoʻi Ke Aloha - EP, setting a warm and inviting tone for the episode. Her recordings offer a graceful balance of modern polish and deep Hawaiian feeling, drawing the listener into songs that feel both personal and rooted in place. From there, Gregory Juan's album Kauluwehi carries us further into the heart of Hawaiian composition, with mele that suggest affection, honor, and poetic imagery. Kamalei Kawaa follows with songs from Mānaiakalani, including material inspired by native flora and enduring love. Our Exotica segment offers a change in color and texture with Les Waikikings and their lighthearted, lounge-inflected hapa haole stylings. To close the show, Hoʻokena reminds us why their harmonies and emotional depth remain so beloved in Hawaiian music. Playlist Pālolo – Christy Leinaʻala Lassiter Album: Hoʻi Ke Aloha - EP Duration: 3:17 Ipo Hula – Christy Leinaʻala Lassiter Album: Hoʻi Ke Aloha - EP Duration: 3:09 He Mele no Ka Pāoʻo – Gregory Juan Album: Kauluwehi Duration: 2:42 He Lei no Hiʻilei – Gregory Juan Album: Kauluwehi Duration: 3:21 Pua ʻĀhihi – Kamalei Kawaa Album: Mānaiakalani Duration: 4:06 Forevermore – Kamalei Kawaa Album: Mānaiakalani Duration: 3:13 Exotica Segment Intro – pik00 Category: Promo Duration: 4:10 Pagan love song – Les Waikikings Album: Hapa haole with a twist Duration: 2:46 Aloha means I love you – Les Waikikings Album: Hapa haole with a twist Duration: 2:08 Nou e Keali`i – Ho'okena Album: Ho'okena 5 Duration: 3:30 Pua 'A'ali'i – Ho'okena Album: Ho'okena 5 Duration: 3:38 Track Notes Pālolo – Christy Leinaʻala Lassiter This opening selection gently establishes the mood for the program. With a title that invokes Pālolo, the song feels grounded in a sense of place and memory. The performance carries a warm, personal quality, inviting the listener into the episode with tenderness and quiet strength. Ipo Hula – Christy Leinaʻala Lassiter A title like “Ipo Hula” evokes affection, beauty, and movement. This track continues the soft, graceful opening set and feels naturally connected to the language of dance and love. It is a fitting companion piece to “Pālolo,” extending the emotional intimacy of the first portion of the show. He Mele no Ka Pāoʻo – Gregory Juan Gregory Juan brings a more traditional compositional sensibility, and this mele carries the weight of tribute and poetic intention. Songs beginning with “He Mele no…” often feel dedicated, purposeful, and rooted in the Hawaiian practice of honoring people, places, or cherished subjects through song. He Lei no Hiʻilei – Gregory Juan The imagery of the lei is central in Hawaiian poetic expression, symbolizing love, honor, remembrance, and adornment. This song suggests something lovingly woven together and offered with care, continuing the episode's recurring themes of affection and connection. Pua ʻĀhihi – Kamalei Kawaa With “pua” in the title, this mele turns our attention toward the floral world so often celebrated in Hawaiian song. Native plants and blossoms carry rich symbolic meaning, and this track adds a sense of natural beauty and delicacy to the program. Kamalei Kawaa's performance helps bridge traditional themes with a contemporary recording sensibility. Forevermore – Kamalei Kawaa This selection broadens the emotional palette of the episode with a title that speaks directly to lasting love and devotion. Following “Pua ʻĀhihi,” it serves as a modern reflection on enduring affection while remaining at home in the overall flow of the show. Exotica Segment Intro – pik00 Our Exotica segment intro signals a shift in atmosphere, opening the door to a more playful and stylized musical space. It gives the show a fun mid-episode change of pace while still keeping the island mood alive. Pagan love song – Les Waikikings Les Waikikings bring a retro lounge flavor to the episode with this exotica-inflected hapa haole performance. The sound recalls an earlier era of island-themed popular music, where romance and escapist imagery were part of the appeal. It offers a contrasting texture to the more deeply rooted Hawaiian selections elsewhere in the show. Aloha means I love you – Les Waikikings This charming and direct title captures the accessible, sentimental appeal of the hapa haole tradition. Placed after “Pagan love song,” it keeps the Exotica segment light and nostalgic before the program returns to more emotionally grounded Hawaiian harmonies. Nou e Keali`i – Ho'okena Hoʻokena's unmistakable vocal blend brings immediate depth and resonance. This track feels reverent and heartfelt, and the group's delivery reminds listeners why they remain one of the most respected names in contemporary Hawaiian music. Their harmonies add emotional gravity as the episode moves toward its conclusion. Pua 'A'ali'i – Ho'okena Closing with a flower song is especially fitting for this episode. The ʻaʻaliʻi is often associated with resilience and steadfastness, making this an especially meaningful ending. Hoʻokena sends us out with beauty, strength, and a deep sense of Hawaiian identity. Featured Artists Christy Leinaʻala Lassiter Gregory Juan Kamalei Kawaa Les Waikikings Hoʻokena Closing Mahalo for joining us for Hawaiian Concert Guide Show 701. This episode is a musical lei woven from songs of love, flowers, hula, memory, and enduring aloha. From the contemporary voices of Christy Leinaʻala Lassiter, Gregory Juan, and Kamalei Kawaa, to the nostalgic charm of Les Waikikings, and the rich harmonies of Hoʻokena, this show celebrates the many colors of Hawaiian music. E mālama pono, a hui hou, and thank you for supporting the music and artists of Hawaiʻi.

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The PUAs Are Still There, They Just Moved - SFTS112

Play Episode Listen Later Mar 24, 2026 5:06

===SNIPPETS FROM THE SUMMIT=== ===SNIPPETS FROM THE SUMMIT=== The underground society of pickup artists may be LONG gone, but the PUA movement is still alive and well. It just sort of changed venues. What's up with that? Well, men are never going to stop wanting to know how to attract and seduce women. But nowadays you can't just expect to go to a bar or disco club on Friday night and pull chicks. A big part of that is there are barely and dark, smoky "clubs" left. Yes, women's social habits have changed, and pickup strategy has changed with it. But it's also that the women are all somewhere else now anyway...assuming they're the kind of women men really even want anymore. Did you know that VAMANOS is the everyday carry for "Big Four" men? Getchasum at https://vamanos.chat === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === Snippets From The Summit are all about completely original ideas for success with women that also happen to be extremely effective...and actionable. It's all built on the "Big Four": Confidence, Masculinity, Liking Women, and Good Character. Better men get better women. If you love what you

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The Biggest Infinite Banking Mistake (PUA vs Base Explained)

Breakaway Wealth Podcast

Play Episode Listen Later Mar 17, 2026 29:34

Everyone wants to talk about policy design. The percentages, pretty illustrations and early cash value. But Infinite Banking is not about chasing the prettiest policy. It's about building a financing system that works for you over decades. In this episode, Jim Oliver explains why many popular 90/10 high-PUA policies look impressive early but often weaken the long-term structure of a banking system. Using the analogy of turbochargers versus horsepower, Jim shows why policies with a stronger base often perform better over time. The real goal is not early optics. The goal is durability, control, and long-term capitalization. Key Takeaways Infinite Banking success comes from how the policy is used, not just how it's designed High PUA policies often look better early but weaken long-term performance A stronger base builds durability, guarantees, and long-term compounding power Wealth builders focus on volume of capital, not just the rate of return The best policies win over decades, not in the first few years

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EP124｜「家」 feat. 曼媽

曼報 Manny's Newsletter

Play Episode Listen Later Mar 13, 2026 85:28

本集節目由【喧嘩咖啡】贊助播出過去兩年來，我最常、甚至固定買的咖啡就是「喧嘩咖啡」，原因當然就是兩個字：好喝。而且更特別的是他們家賣最好的是「配方咖啡」，單價甚至與藝伎款旗鼓相當。這是因為喧嘩咖啡堅持：

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“看到我幸福，我妈很失望”：命不好，是如何代代遗传的？

读者官方播客

Play Episode Listen Later Feb 23, 2026 6:29

苦情教育，可以说是中国式家庭最大的PUA。

Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6)

family original force loans case study illustration liquidity pua banking system infinite banking puas

Play Episode Listen Later Feb 16, 2026 82:21

The moment we realized “liquidity” isn't a theory Thirteen years ago, Lucas and I thought we were being responsible by storing a lot of our capital in gold and silver. It felt safe. It felt timeless. It felt like the kind of move people make when they're thinking long-term. And then we needed cash. https://www.youtube.com/watch?v=M3go-H641ZU Not someday. Not “in retirement.” We needed liquidity for real life—building a business, making decisions, moving when opportunities showed up. And in that moment, we learned something the hard way: an asset can be valuable and still be a terrible place to store accessible capital. The spot price was down. We had to sell at the wrong time, and that's when the question got painfully simple: Where do you store capital so you can access it when you want it—without losing control, without begging permission, and without being at the mercy of timing? That question is what led us to build what we now call our family banking system—and in this Part 6 case study, we're pulling back the curtain again. In this Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6), Bruce Wehner and I walk you through the real mechanics: premium paid, cash value, loan availability, in-force illustrations, original projections, and what actually changed over time. The moment we realized “liquidity” isn't a theoryWhat you'll learn from this Marshall Family Banking System case studyWhat is a family banking system?Why we started: liquidity, then legacyFamily banking system case study: our “13-year” system with a reset (1035 exchange)Premium paid vs cash value: the real numbers (round terms)Cash value vs loan value in a family banking system“Do you still earn dividends with a policy loan?”How a family banking system works year-to-year: the numbers keep risingIn-force illustration vs original illustration: why our numbers changedWhy illustrations change (dividends change)The compounding effect: what changed by age 75Break-even in a family banking system: what it means and what it doesn'tWhat's inside an annual statement: dividends, PUAs, and how death benefit risesPaid-up additions rider (PUA) and compoundingDirect vs non-direct recognition: what to knowAnnual premium payment and “premium refund”: a detail most people missThe core mindset shift: this is about control of capitalWhat this Part 6 case study provesListen to the full episodeFAQWhat is a family banking system?Is a family banking system the same as Infinite Banking?Why pay whole life premiums annually in a family banking system?When does a family banking system using whole life insurance break even?What is a whole life insurance policy in-force illustration?Why does a whole life insurance policy's in-force illustration differ from the original illustration? What you'll learn from this Marshall Family Banking System case study If you've ever looked at a whole life insurance illustration and wondered, “Can I trust these numbers?” you're not alone. And if you've ever asked: “What happens to cash value when you take a policy loan?” “Do you still earn dividends with a policy loan?” “How do I compare an in-force illustration vs original illustration?” “When does a family banking system break even?” …then this article is for you. This is Part 6 in our series, and it's designed to help you understand how a family banking system works using real policy performance—not theory, not hype, and not marketing claims. Here's what you'll gain by reading: A clear picture of family banking system with whole life insurance and why we use it What our numbers look like (in round terms) after years of funding The difference between cash value vs loan value (and why that matters) Why in-force results can differ from the original illustration How dividends changing over time can materially impact long-range projections Why we're still committed—and why this is about control, not “rate of return” What is a family banking system? A family banking system is a capital control system—built to give your family a dependable place to store cash, grow it steadily, and access it on demand. Bruce and I both see this with families every day: the biggest stress isn't usually “investment performance.” It's capital access. It's the ability to make a decision when life happens—without panic, without selling assets at the wrong time, and without losing future opportunity because you couldn't move quickly. For us, our family bank is built on whole life insurance cash value from a mutual company, structured intentionally for: Liquidity and access Predictable growth (guarantees + non-guaranteed dividends) A growing death benefit for multi-generational wealth The ability to borrow against the policy while the cash value continues to compound And I want to say this plainly: this is not an investment.This is savings. This is capitalization. This is a financial foundation from which you can invest with confidence. That distinction matters. Why we started: liquidity, then legacy We started this journey because we needed liquidity. Later, we realized something deeper: a family banking system is not just about “having cash.” It's about building a structure that can last. After my near-death experience, our perspective on money and estate planning shifted permanently. We began asking a different question: What would it look like to leave our children more than money—while also leaving them a financial system that works? That's where the multi-generational aspect of this became central. Lucas said it simply in the episode: it's for now and for the future. Family banking system case study: our “13-year” system with a reset (1035 exchange) One important clarification: when we say “13-year update,” it's because the concept has been in our family for 13+ years. But the specific policies we're showing in this case study are newer because we did a 1035 exchange—moving cash value from one policy to new policies. That move effectively hit a reset button in terms of what you'll see on the current policy timeline. So while the family banking system is 13+ years in, these particular contracts are five policy years into the current structure. That matters, because a lot of people look at year 1–5 and get discouraged. In early years, policies have costs, and break-even in whole life insurance doesn't happen immediately. But “break-even” isn't the only goal—and really it's not even the most important measurement. Premium paid vs cash value: the real numbers (round terms) Let's make this tangible. At the time we pulled these figures (Watch the YouTube video to see all the numbers): We had paid a little over $300,000 in total premium into the two policies Our total cash value (if we paid off the outstanding loan) was roughly $282,000 The amount we could access as a loan (if we paid off the outstanding loan) was roughly $260,000 We currently had a policy loan of about $48,000 With that loan in place: Cash value showed lower (because of mechanics like premium refund timing and reporting) The available loan value was lower (because part of the cash value is collateralized by the loan) Here's the key takeaway for your own family banking system with whole life insurance: Cash value vs loan value in a family banking system Cash value is the pool. Loan value is how much the company will allow you to borrow against that pool. When you take a policy loan, you are not “withdrawing” your cash value. You're using the insurance company's money and collateralizing your cash value. That means: Your cash value can keep compounding You can repay the loan and free up borrowing capacity again You are not interrupting the internal growth the same way you would if you pulled money out of a bank account Bruce made this point clearly: banks stop paying you interest on money you remove. With policy loans, the system behaves differently because you're borrowing against the reserve, not pulling your capital out. “Do you still earn dividends with a policy loan?” In our case, yes—because our company is non-direct recognition. That means the company does not reduce the dividend crediting due to the presence of a loan. (Some companies do recognize the loan and adjust dividends; those are direct recognition companies.) Bruce's point was balanced, and I agree: it's not that one is “good” and the other is “bad.” There are tradeoffs. There are no solutions—only compromises. But you need to understand which kind you have, because it affects how policy loans show up in performance over time. How a family banking system works year-to-year: the numbers keep rising One of the most encouraging things we've seen is simple: The amount we can borrow has continued to increase year after year. A family banking system is not built for bragging rights. It's built for usability. The question isn't “What's the highest theoretical projection?”The question is “How much capital can I access when I need it—without breaking my plan?” When you consistently fund a system, you build a growing reservoir of capital that you control. This is why we call it an “emergency/opportunity fund.” It's there for emergencies and opportunities. In-force illustration vs original illustration: why our numbers changed Now let's get to the core of this Part 6 case study: Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6) is about comparing the illustration you get when you start… versus the illustration you get after real years of performance. Here's what we showed: The original illustration used the dividend crediting rate at the time the policy was issued and projected it out to age 121.

这就是00后的反击吗？听听年轻人是如何应对职场问题的（上）

兔子洞电台

Play Episode Listen Later Feb 3, 2026 54:00

职场新人遭遇“军规式”管理，不准染发、升职被暗中架空？当00后遇上90后领导，谁对工作更“认真”？真实故事，现场开聊。大家好，兔子洞播客继续更新，今天我们请到了一位00后朋友跟大家聊聊她最近在职场上遇到的一系列“霸凌”事件，以及她是如何应对这些事件的，本期节目是上半期。录制：姚垚、H、晨伦剪辑/后期：晨伦欢迎大家收听、订阅、赞赏。如果大家有任何想法或意见建议，欢迎在节目下方留言。以下大纲由AI生成，仅供参考：02:31 公司规定与个人价值观的冲突：烫发染发是否应该被限制？04:32 他不喜欢他的工作，原因让人啼笑皆非，原来是被烫发伤害过！08:54 职业选择与目标的差异：一个人的坚持与公司的期待13:20 公司内薪资不合理？大领导的升职给团队带来什么影响？17:48 尴尬的局面：领导团建中的微妙关系引发的困惑与纠结22:15 W领导的宣布背后：公司的态度还是个人行为？26:43 PUA话术背后的真相：揭开谎言与人性的层幕31:10 新来的男同事成为小组组长，我们给他起个代号吧！35:39 业务推进中的人际关系：鼠哥与W经理的搭档关系解析40:05 场面陷入尴尬，众人沉默两分钟，随后出现的领导团化解了局面44:32 公司内部沟通与协作的问题：鼠哥、鼠弟和账号运营的工作交叉48:59 公司文化的诡异与个人成长的思考：辞职是否是最佳选择？

ai pua

DEBATE?! - Should Men Choose To Be Single Fathers? | @CoachGregAdams Meets Marquett

Marquettism.org

Play Episode Listen Later Jan 30, 2026 111:24

Marquett And CGA discuss the redpill, Women and Surrogate Fathers

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Judges ch.10 v.1-5 The Brief Legacy of Tola and Yair

Class in Bible

Play Episode Listen Later Jan 28, 2026 18:59

We learn about Tola ben Pua from the tribe of Issacher, and Yair HaGiladi from Menashe

judges pua yair tola menashe

猝死程序员与劳动者权益，加班文化背后不可告人的秘密

电影真探

Play Episode Listen Later Jan 26, 2026 204:44

32 岁程序员周末晕倒后猝死，抢救期间曾被拉入工作群…这位高姓程序员的日记中写道“努力努力再努力”……从当年的996事件到007，过劳的程序猿们成了本地职场牛马们最具代表性的群体，但其实比他们更危险更惨的大有人在，比如设计尸、所谓的经理、主管、运维、业务员，还有流水线上的奴隶、工地上的牛马、往来于城市商圈卖场餐厅的司机、快递、外卖与服务员、哪怕是看似稳定实则长期与疲劳和抑郁抗争的教师、医生和那些体制内纯底层，大家都工作在危险的边缘，我们分不清自己到底是在打拼生活，还是努力去屎？在如今这样的经济形势与权力金字塔结构下，工作环境越来越恶劣，PUA已经算是文明的管理手法，歌颂苦难搭配残酷的末位淘汰，35岁斩杀，不想干就滚粗，远比传说中旧社会里与井外资本家残忍的多，工会？在本地它主要是用来负责鼓励你加班，劳动法还不如麦当劳对我们的安慰作用大，我们的权益如何维护？谁能维护？这次，电影真探赶在myclub关停之前，和大家认真聊聊这一沉重的话题，作为牛马的你不应该再当哑巴，请说出你的亲身经历与那些无法磨灭的记忆。

Better Wealth with Caleb Guilliams

What's the Best Way to Design Infinite Banking Policies? | 40/60 Vs 80/20

Play Episode Listen Later Jan 21, 2026 56:32

What's the best way to design an infinite banking policy? In this video, Brent Kesler, founder of The Money Multiplier, joins Caleb Guilliams to break down whole life insurance designs for infinite banking, specifically comparing 40/60 vs 80/20 policy structures and Nelson Nash's original intentions. The discussion also includes a debate on term riders, when they help, when they hurt, and how they affect infinite banking strategies over time. Watch the First Interview with Brent where he explains how he paid off $1M in debt in 2 years - https://youtu.be/cHTmpSU-nzQ Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Introduction 01:50 Infinite Banking and Debt Payoff Strategy 02:07 Changes to Infinite Banking 03:30 The "Nelson Plan" (40/60) 04:12 Policy Design Philosophy: Base, PUA, and Term Riders 05:01 Long-Term Efficiency and Base Premium 05:57 MEC Limit and Term Riders 06:59 Base, PUA, and Term Riders Definitions 12:00 Higher Base vs. More PUA 18:25 Flexibility in PUA Riders 19:19 Starting Additional Policies 20:40 Rule of Maximizing Current Policies 23:07 Adjusting Premiums on Multiple Policies 27:19 Minimum Premium and Income Ratio 28:34 The "10 Times Your Age" Rule 29:27 Tax Liability 35:46 Death Benefit, Rate of Return, and Financial Mindset 38:03 Internal Rate of Return (3.5% to 5%) 39:45 Actual Rate of Return vs. Average Rate of Return 42:28 The Value of Convertible Term Insurance 43:36 Human Life Value vs. Starting Small Whole Life Policy 47:14 Life Insurance as the Only Guaranteed Payout Insurance 48:53 Buying Cars and Using Other People's Money 49:18 Separating Policy Growth 51:54 Using Bank's Money for Investments 54:34 Danger of Using Banks if Undisciplined ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

money design danger base investments policies flexibility life insurance pua infinite banking financial mindset life insurance policy nelson nash first interview internal rate caleb guilliams death benefit brent kesler

vol.1361 笑点扶贫办主任鑫博: 为人民服务!

大内密谈

Play Episode Listen Later Jan 18, 2026 130:22

从东北农村走出的鑫博，小时候在贫困环境下长大，这种的生活让他特别会观察身边的小事。大学毕业后，他先去矿务局上班，奈何这份工作之路并不一帆风顺。之后他干了十年销售，天天应酬却被领导PUA，于是转行去做脱口秀。在杭州的时候，他为了能上台，一天跑13场演出，从无人问津到压轴登场。“共享单车段子”打磨一年半，专场《发现丑的眼睛》让观众笑到酣畅。他坚持用第一视角创作，让每个普通人都能在段子里看到自己。他的脱口秀充满了对生活显微镜般的观察，他的创作理念是“为人民服务”，而他的故事更是让人回味无穷～更多精彩内容，欢迎收听本期节目~主播 / 相征嘉宾 / 鑫博音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline:00:06:31 把“梗”的密度做到极致00:07:33 活得心安很重要00:29:48 这可能是2025最好笑的段子之一00:44:03 就是“不服”00:58:44 叛逆期有点漫长01:11:16 开始压轴之后觉得“立得住”了01:18:10 素材的积累是最核心的环节01:24:44 对前辈最好的致敬是超越01:30:42 没有“讽刺”怎么做喜剧呢？01:36:44 在“真实”的基础上再玩儿“飞的”01:47:52 迭代是必然的01:59:20 聊点儿行业观察02:08:32 张蔷 - 别再问我什么是迪斯科生活太卷？工作太累？琐事太多？别慌！「伏藏紫檀五股降魔杵」来了！「大内密谈」人气玄学嘉宾张无梦特别推荐专治各种不服！你的“佛系”生活必备神器！微信小程序搜索「大内夜市」即可购买！时间不只是数字，更可以是故事。大内夜市新上架「周周有神」神话艺术历，把你的2026年变成一本可以翻的神话书！从执掌财运的财神到启迪智慧的文曲星，每周一位专属守护神陪伴你的日常。微信小程序搜索「大内夜市」即可购买！大内夜市近期上新！大内人气玄学嘉宾张无梦为女性量身打造4款文玩手串，旺金财运、金玉良缘、扶摇直上、顺遂安然，电子木鱼弱爆了！物理配饰积功德，玄学朋克，硬核转运！微信搜索「大内夜市」即可购买！深夜谈谈播客网络旗下播客：大内密谈、枕边风、空岛、随便聪明、淮海333-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、@miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks）并回复【听众群】即可进群。

Not Your Average Financial Podcast™

Episode 435: Warning! You Could LOSE Your PUAs IF You Don’t Pay Your Premiums

Play Episode Listen Later Jan 2, 2026 26:34

In this episode, we ask: Would you like the option to add an extra bedroom or bathroom to your house? Would you like a blueprint for maximizing your policy's potential? Would you like to hear Episode 142? What is the minimum annual premium due on the PUA rider? What happens to the paid up additions...

premiums pua puas

105. 从原生家庭到职场: 我的反PUA觉醒与重生

Yuppie Yawns 雅痞不痞

Play Episode Listen Later Dec 10, 2025 52:31

本期我们请来了在纽约工作的“四大老朋友” 咩咩 —— 两个男孩的宝妈、十几年跨公司经验的会计职场人。她会非常赤裸、非常真诚地分享一段从原生家庭隐形 PUA → 职场被上司打压 → 深度抑郁 → 觉醒与重建的完整历程。欢迎大家观咩咩的小红书账号："纽约(前)打工人reset日记"，更多干货等着你。一起聊到：为什么**“我不够好”**的种子，其实很早就在童年被种下东亚小孩从小被“有条件的爱”养大，长大后为什么更容易掉进被操控的关系职场 PUA 上司的典型套路：先捧高再打压、时冷时热、让你永远怀疑自己裸辞之前，她经历了怎样一段：外面是蓝天，心里却只有黑暗的日子作为妈妈，她如何在养育中打破代际循环，一边育儿一边自我疗愈ADHD、高敏感体质、过度共情：为什么有些人“天生”更容易被 PUA当你发现自己身处一个让你不断怀疑自我价值的环境时，离开是不是一种勇敢的选择？如果你曾经：总觉得“我不配、我不够好、我只是运气好”很怕让别人失望，一直在讨好、取悦、证明自己在职场被上司反复打压，却迟迟不敢离开当父母后，害怕孩子重走自己的路希望咩咩的故事，可以让你知道：你没有问题，你值得被好好对待。01:30｜嘉宾咩咩登场：纽约会计人、两个男娃的宝妈05:00｜一切从原生家庭开始：有条件的爱与“我要配得上被爱”10:20｜职场 PUA 上司的完整套路：先捧高再打压13:30｜辞职的那一刻：钱和情绪价值都拿不到，我为什么选择走16:30｜做妈妈之后：在孩子身上完成一次“重生”和代际修复23:00｜抑郁长什么样：外面是蓝天，内心却只有黑色29:30｜ADHD、高敏感与“特别容易被 PUA 的体质”34:30｜情绪边界课：不过度负责别人的感受41:45｜从叛逆少女到“别人家的女儿”：外部认可的成瘾性47:45｜如何识别 PUA 老板？当你开始持续怀疑自己时50:30｜咩咩送给听众的一句话：Love yourself，别的都是多余的

love pua

狂喜播客节｜如果宇宙计划

头号玩家｜最燃生活攻略

Play Episode Listen Later Nov 28, 2025 67:14

/Summary别人去狂喜是交朋友的，我是去上货的。今年最后这一个多月，本期节目还是来自狂喜播客节如果职场不能说谎，世界会变好吗？/Show Note02:00 思维体操，想象和推理的越野挑战——沙丘研究所的思考实验项目05:34 职场中的“五晃”现象：坦诚与保护隐私的平衡之道11:11 数据膨胀与行业规则：理解播客行业的好处与挑战16:47 数据透明与秋读困境：探讨诚实与成功的挑战22:24 职场中的说谎：保护自己的方式还是不利因素？28:00 职场中的竞争与自我价值：倒茶与PUA的关系探讨33:36 探讨内化机制对个人情绪价值的影响：权力、崇拜和讨好现象的解析39:11 职场中的女性困境：不公平与挑战并存，如何应对？44:47 组织效益与个人发展：人际关系与企业运作的分离现象50:23 如何在经济下行的条件下选择团队成员？重要的是能力还是人际关系？56:01 语言中的隐喻：探索模糊性与表达效率的关系01:01:38 职场中的牛马：探索正义与个人选择的边界/Staff主播 | 赵智沉、繁繁饭饭、Becky、罗叔制作 | 燃烧吧罗叔文案 | 燃烧吧罗叔后期 | FirePod莎莎日程 | 腿哥/BGM ListRiding with the King念念罗叔/Contact新浪微博：@燃烧吧罗叔抖音：燃烧吧罗叔公众号：头号玩家toGo合作微信： luoyoucai

The Mountain Top For Men (formerly The Chick Whisperer):

What Actually Replaced Pickup Artists? - SFTS 94

Play Episode Listen Later Nov 18, 2025 8:04

=== SNIPPETS FROM THE SUMMIT === We all know the "underground society" of pickups artists is LONG gone. Or is it? Some say they simply moved their sentiments over to the #MGTOW or "red-pilled" movements, hoping to fly under the radar with a rebrand. But I'm not so sure about that. After all, lately I've been hit with requests to pitch you guys on "new" products that look and feel exactly like something out of 2008. Could it be there's a belief out there that the new generation of guys will respond to exactly what the last generation did? Well, I personally believe a LOT has changed out there, and with it must come a true evolution of the PUA mindset...especially when it comes to what has been known as "night game". Have the newest, state-of-the-art advantage with women...right there on your phone: https://mountaintoppodcast.com/vamanos === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === Snippets From The Summit are all about completely original ideas for success with women that also happen to be extemely effective...and actionable. If you love what you hear, please rate the show on the service you subscribed to it on (takes one second) and leave a review. As we say here

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Chinese Podcast EP175: How Chinese Love Story Became a Nightmare

Dashu Mandarin Podcast

Play Episode Listen Later Nov 17, 2025 54:54

In this episode of Dashu Mandarin, we talk about PUA, short for Pick-Up Artist. In Chinese, this term has changed from meaning “flirting skills” to describing toxic emotional control in relationships. Through this real-life topic, you'll improve your Chinese listening, learn authentic expressions, and understand modern Chinese culture and psychology. Join us to explore how language reflects emotion, power, and human connection, all in natural, easy-to-understand Mandarin.

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Infinite Banking Mistakes: The Human Problems That Derail IBC

The Mountain Top For Men (formerly The Chick Whisperer):

Play Episode Listen Later Nov 10, 2025 26:08

“It's not the math. It's the mindset.” When Bruce recorded this episode solo, he opened with something we've learned after thousands of client conversations: the biggest Infinite Banking mistakes aren't about policy illustrations or carrier choice. They're about us—our habits, our thinking, and the quiet patterns we bring to money. https://www.youtube.com/live/tvSGb9GkRG4 I remember Nelson Nash repeating, “Rethink your thinking.” That line annoys the part of us that wants a clean spreadsheet answer. But it's also the doorway to everything you actually want—control, peace, and a reservoir of capital that serves your family for decades. In today's article, I'm going to unpack those human problems—Parkinson's Law, Willie Sutton's Law, the Golden Rule, the Arrival Syndrome, and Use-It-or-Lose-It—and connect them to the most common Infinite Banking mistakes we see. Most importantly, I'll show you the behaviors that fix them. “It's not the math. It's the mindset.”What you'll gain (and why it matters)Infinite Banking Mistakes #1 — Treating IBC like a sales system, not a lifelong conceptInfinite Banking Mistakes #2 — Short-term policy design (and base vs. PUA confusion)Infinite Banking Mistakes #3 — Misunderstanding uninterrupted compoundingInfinite Banking Mistakes #4 — Ignoring the five human problems Nelson taughtParkinson's Law: “Expenses rise to equal income”Willie Sutton's Law: “Money attracts seekers”The Golden Rule: “Those who have the gold make the rules”The Arrival Syndrome: “I already know this”Use It or Lose It: “Habits decay without practice”Infinite Banking Mistakes #5 — Forgetting that illustrations aren't contractsInfinite Banking Mistakes #6 — Not paying policy loans back (on purpose)Infinite Banking Mistakes #7 — No written strategy or scorecardListen To the Full EpisodeBook A Strategy CallFAQsWhat are the most common Infinite Banking mistakes?Should I prioritize PUAs or base premium to avoid Infinite Banking mistakes?Do I have to repay policy loans in Infinite Banking?How does Parkinson's Law cause Infinite Banking mistakes?Are policy illustrations reliable for Infinite Banking decisions?What did Nelson Nash mean by “think long range”?How do taxes relate to Infinite Banking mistakes? What you'll gain (and why it matters) If you're new here, I'm Rachel Marshall, co-host of The Money Advantage and a fierce believer that families can build multigenerational wealth with wisdom, not stress. The primary keyword for this piece is “Infinite Banking Mistakes,” and we're going to name them, explain why they happen, and give you practical steps to get back on track. You'll learn: Why behavior beats policy design over the long term How short-term thinking shows up in base/PUA decisions The right way to think about uninterrupted compounding How to use loans and repay them without sabotaging growth The five “human problems” Nelson warned us about—and how to overcome them If you can absorb the mindset, the math becomes simple. If you skip the mindset, no design hack will save you. Let's go there. Infinite Banking Mistakes #1 — Treating IBC like a sales system, not a lifelong concept The mistake: Looking for a quick fix—“set up a policy, borrow immediately, invest, done”—and calling it Infinite Banking. Why it happens: Our culture loves shortcuts. We're used to products, not principles. But IBC isn't a product; it's a way of life. Nelson was explicit: it's not a sales system. When we treat it like a gadget, we ignore the behaviors that made debt a problem in the first place. What to do instead: Adopt a long-range view. Commit to capitalization for years, not months. Build rhythms. Premium drafting, policy reviews, loan repayment schedules. Measure behavior. Not just cash value growth; also repayment habits, added PUAs, and opportunity filters. Infinite Banking Mistakes #2 — Short-term policy design (and base vs. PUA confusion)

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Social Networking Gets Women - MTP483

Play Episode Listen Later Oct 24, 2025 51:28 Transcription Available

Co-Host George Dubec (https://mountaintoppodcast.com/networker) What if you could leverage your entire social network to find women to date? Or even your future wife? We're not talking about your aunt Gertrude setting you up with her friend's "nice" daughter here, for sure. My first-time guest George Dubec has developed what he calls the Referral Matchmaking System, and it's like being a "connector" on steroids. While talking about that is way too much fun in and of itself, we kick off the episode with war stories from when George was a classic ladies' man, long before the PUA movement was even thought about. He had the Saturday Night Fever clothes and the Smokey And The Bandit car. How much of his "old school" strategy still applies today? More than you think. For example, wait until you hear his answer to women showing up on dates with a bunch of endless Q & A. And what about chemistry? George has an interesting definition for that, as far as male/female interaction is concerned. Next, George talks about what he calls "The Love List". And it looks like we just coined "The Wingman Workshop" right after that. Next, we talk about the weirdest version of "approach anxiety" that's very real, but which nobody ever talks about...and yes, it has everything to do with social networking. And who exactly should we let "network" us into a date? There's a clear answer to that one. Have you checked out the official X & Y Communications dating advice chatbot yet? https://vamanos.chat === HELP US SEND THE MESSAGE TO GREAT MEN EVERYWHERE === The show is now available as a VIDEO version on YouTube. For some reason, the episodes seem funnier...if a bit more rough around the edges. If you love what you hear, please rate the show on the service you subscribed to it on (takes one second) and leave a review. As we say here in Texas, I appreciate you!

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Maximizing Cash Through Paid-Up Additions

Insurance Pro Blog Podcast

Play Episode Listen Later Oct 12, 2025 36:39

You want to build cash value with whole life insurance, but you're not sure how paid-up additions actually work. This episode breaks down the fundamentals of paid-up additions riders and why they're essential for cash accumulation. We explain the difference between having a PUA rider and actually using it effectively. You'll learn why a policy built for strong cash performance must have a paid-up additions rider. We walk through real examples comparing policies with different premium allocations to show you the dramatic difference in cash value growth. You'll see how splitting your premium between base whole life and paid-up additions can make you cash positive years earlier. We cover the flexibility benefits that come with PUA riders, including the ability to adjust payments and withdraw cash when needed. You'll understand the limits on paid-up additions and why insurance companies restrict how much you can contribute. We also address common misconceptions about dividend options versus actual PUA riders. The episode includes a discussion of high early cash value products and why they typically underperform optimized PUA strategies in the long term. You'll receive practical guidance on how to determine if your current policy includes a PUA rider and whether you're utilizing it effectively. _______________________________ Ready to optimize your whole life insurance for maximum cash accumulation? Visit theinsuranceproblog.com and contact us to discuss your specific situation and goals.

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E68 - Non-Forfeiture Options: Safety Nets, Not a Strategy

Play Episode Listen Later Oct 10, 2025 58:56

What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking system—you won't want to stop. But life happens. Income disruptions, career changes, or simply changing priorities might make you reconsider. That's why understanding your contractual rights matters. There are five distinct options when you can't or won't continue paying premiums, and most people only know about the worst one: surrendering for cash. This episode breaks down all five options, from the contractual non-forfeiture provisions required by state law to the optimal strategy that lets your policy sustain itself. We explain extended term insurance, reduced paid-up insurance, automatic premium loans, and the dividend payment strategy—plus why working with an authorized IBC practitioner ensures you actually have access to these options. The goal isn't to plan your exit from day one, but to understand the full contract you're entering and know you have control no matter what happens.Chapters:00:00 - Opening segment07:00 - Introduction to non-forfeiture options and PUA 10:00 - Four contractual non-forfeiture options overview 11:20 - Cash value refresher13:00 - Net present value14:40 - Dave Ramsey's misrepresentation 17:50 - Company exposure and why cash value grows over time 18:55 - Option 1: Cash surrender value (closing the policy) 20:30 - Option 2: Extended term insurance explained 25:45 - Option 3: Automatic premium loan (APL) 27:00 - When APL makes sense: income disruption scenarios 32:00 - Base premium vs. total premium: What you actually need to sustain 35:00 - Option 4: Reduced paid-up insurance (RPU) 36:25 - Why you can't RPU before year seven (MEC rules) 42:15 - How using dividends changes projections 44:50 - Option 5: Using dividends to pay premiums (the optimal strategy) 48:05 - Keeping premium door open 52:00 - Protection and savings before speculation 54:10 - Keeping the wall between savings and investments 56:30 - Final thoughtsKey Takeaways:- Cash surrender value is not separate from death benefit—it's your equity in the future payment at present value- There are 5 total options when you can't pay premium: 4 contractual non-forfeiture options plus the dividend strategy- Cash surrender (Option 1): Walk away with equity, lose all coverage—least recommended option- Extended term insurance (Option 2): Same death benefit dollar amount, reduced timeframe based on cash value- Reduced paid-up insurance (Option 3): Same timeframe (whole life), reduced death benefit, no future premiums required- Automatic premium loan (Option 4): Company loans against cash value to pay base premium automatically- Dividend payment (Option 5): Use policy dividends to pay base premium—the optimal approach for mature policies- Not all whole life companies support optimal IBC design—must have PUA riders available- Work only with Nelson Nash Institute authorized practitioners to ensure proper policy structure- Goal is never to stop paying premium once you understand what it's doing for your family banking system- Your whole life policy should be the asset you understand most completely before signingGot Questions?Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

TCB Classic: WWZD??

Play Episode Listen Later Sep 25, 2025 65:14

EP835: It's fall break and a TCB Classic is the perfect compliment to your kids driving you crazy! In the questions today? WWZD (What Would Zan Do?) is an event put on by TCB favorite PUA, Zan Perrion. In this episode from 2023, the duo review a rather lengthy video of Zan sharing about his seasonal depression, falling book sales and his "whatever" chakras. It's peak Zan! TCB Tunes: My Starbuks Boyfriend Watch the ORIGINAL EP #437 on YouTube! Text us or leave us a voicemail: +1 (212) 433-3TCB FOLLOW US: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tcbpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tcbpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CREDITS: Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bryan Green⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Krissy Hoadley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Executive Producer: Bryan Green Producer: Astrid B. Green Voice Over: Rachel McGrath TCBits & TCB Tunes: Written, Voiced and Produced by Bryan Green. Rights Reserved To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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TCB Classic: WWZD??

history army base floor founder ceo flexible diplomacy teaser norwich mec premiums insurance policies pua convertible infinite banking norwich university life insurance policy nelson nash becoming your own banker

Play Episode Listen Later Sep 25, 2025 69:44

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Episode 189: Infinite Banking: What Should I Do With a Large Sum of Money?

Wealth Warehouse

Play Episode Listen Later Sep 22, 2025 35:01

Visit our website:https://www.thewealthwarehousepodcast.com/This week, Dave and Paul unpack a common client question: “What should I do with a windfall?”Drawing from a recent mastermind with fellow IBC practitioners, they compare strategies for deploying a large lump sum while keeping smart liquidity: one-time PUA lump sums, using a Premium Deposit Fund (PDF Max) to prepay years of premiums, and sequencing dollars so outside cash flows (like note income) auto-fund new policies.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Teaser & open1:18 - Episode beginning, remembering Charlie Kirk6:59 - Design ideas and real numbers12:11 - Scheduling premiums13:36 - Mastermind case: $700k home-sale windfall14:38 - Option 1: Large PUA lump sum18:05 - Option 2: PDF Max23:04 - Option 3: Sequence the dollars25:43 - Policy age = more flexibility; job-loss scenarios without surrenderingABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Episode 188: Infinite Banking: How Flexible Are Premiums In A Life Insurance Policy?

Wealth Warehouse

Play Episode Listen Later Sep 15, 2025 31:00

Visit our website:https://www.thewealthwarehousepodcast.com/This week, Dave and Paul bust a big myth about whole life: that premiums are rigid forever.They break down base (required) vs. PUA, Paid-Up Additions (flexible), why both buy death benefit, and how to use a floor-and-ceiling model to fund smart in tight months or boom years.You'll hear how dividends typically route to PUA, how to check extra LPUA room without triggering MEC, why loans don't “increase” growth, and how convertible term preserves future capacity as your income rises.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Teaser & open3:06 - Premium flexibility myth6:19 - Base vs. PUA9:40 - Cash value = ownership10:59 - Dividends → PUA15:10 - Floor & ceiling funding16:37 - Year-two: pay base, drip PUA20:00 - Extra PUA + MEC check23:50 - Convertible term runway30:38 - Sign-offABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

现在，千万不要开店——对创业者的劝退局 feat. 北京生存小册子图图 & 安全出口老段

津津乐道

Play Episode Listen Later Sep 8, 2025 75:00

“开一个店，其实最大的成本是……心理成本。”本期我们把“开店”的滤镜摘掉：外卖补贴到底谁买单、平台“同价规则”如何挤压利润、上线=再开 N 家店的隐性成本，以及合伙与算账的残酷细节。标题虽叫「不要开店」，并非反商业，而是用真实数字与机制提醒：如果你仍要开，也请更清醒地进入。“我觉得现在这些老板都快变成了平台的牛马了。”【本期节目你将听到以下内容】01:16 “不要开店”直球抛出；外卖对门店伤害大。03:09 外卖大战：消费者得“实惠”，商家实际要出很大一部分补贴。03:42 平台优惠多由商家自降价承担；供应链被突发大促冲击。04:22 大量订单袭来难以备货；“老板成了平台的牛马”。05:13 平台活动像“PUA”，不参加就没流量。06:25 骑手工资实际由商家“买单”；平台要求线上线下一口价→被迫做“外卖特供”。07:20 实例：同价不同质影响口碑，品牌受损。08:21 外卖策略建议：先把堂食跑通，再上外卖；不适合外送的单品保留堂食。09:04 上线=再开N家店；多平台叠加“平台税”和投流成本。09:33 “不要开店”的两层含义：别轻易开线下店，也别轻易开“线上店”。12:30 线下也离不开平台：点评/地图收录、团购/打卡、充电宝/收款码都会影响热度权重。15:09 提到美团并购点评的反垄断疑问。17:01 成本结构讨论：小店房租/装修/人工都不轻；北上港房租占比可达20%–30%。18:34 多地对比：很多地方人工占比高于房租。20:14 定价底线：毛利≥100%（10元成本至少卖20）；开店核心能力是“会算账”。24:24 心理成本才是最大成本；建议先做播客练心态/逐步抗压。26:49 众筹开店的坑：十来个人众筹酒吧，钱难回、本金打水漂。28:26 “好多人的咖啡馆”等案例：合伙人太多易失控，必须要有“主事的人”。29:51 20+合伙无合同、财务涣散，后期失序。48:36 网红探店“伪UGC”的隐性成本与精力消耗。55:40 装修与免租的心理效应；房东看好会回收自营。01:10:04 开店是多重成本叠加，加盟/多店需要人盯人跑。【本期主播】朱峰，津津乐道、科技乱炖播客主播姝琦，津津乐道、不叁不肆播客主播老段，安全出口FM主播图图，北京生存小册子、图图的图书局播客主播【制作团队】后期 / Liger、图图封面 / 姝琦监制 / 姝琦运营 / 卷圈，Sand产品统筹 / bobo【联系我们】希望大家在听友群和评论区多多反馈收听感受，这对我们来说十分重要。欢迎添加津津乐道小助手微信：dao160301，加入听友群【关于「津津乐道播客网络」】在一派纷繁芜杂里，我们为愉悦双耳而生。科技、教育、文化、美食、生活、技能、情绪……严肃认真却不刻板，拒绝空泛浮夸。与专业且有趣的人携手缔造清流，分享经历，传播体验，厘清世界与你的关系。津津乐道 | 科技乱炖 | 津津有味 | 记者下班 | 不叁不肆 | 厂长来了 | 编码人声 | 沸腾客厅 | 拼娃时代收听平台苹果播客 | 小宇宙App | 汽水儿App | Spotify | 喜马拉雅 | 网易云音乐 | QQ音乐 | 微信听书 | 荔枝FM | 央广云听 | 听听FM | Sure竖耳App | Bilibili | YouTube联系我们津津乐道播客官网 | 公众号：津津乐道播客 | 微信：dao160301 | 微博：津津乐道播客 | 商业合作：hi@dao.fm | 版权声明 | RSS订阅本节目由「声湃 WavPub」提供内容托管和数据服务支持。

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David Sparks & Disneyland Rucking

DLWeekly Podcast - Disneyland News and Information

Play Episode Listen Later Sep 3, 2025 100:16

This week, a new Disneyland documentary is coming, new Napa Rose details, a bunch of fun novelties are coming to the resort, go “Beyond the Spires” with Imagineering, we have the dates for the 2026 D23 Ultimate Fan Event, we talk Disneyland Rucking with David Sparks, and more! Please support the show if you can by going to https://www.dlweekly.net/support/. Check out all of our current partners and exclusive discounts at https://www.dlweekly.net/promos. News: Weeklyteers who enjoyed The Imagineering Story on Disney+ are in for a treat! This winter, Leslie Iwerks will release her new documentary “Disneyland Handcrafted” on Disney+ and YouTube. The documentary does a deep dive into Disneyland from early conception to opening day. It will include new footage never seen before during this time. Check out the trailer at the link in our show notes! – https://disneyparksblog.com/disney-experiences/disneyland-handcrafted-trailer-revealed/ The Destination D23 event started off strong with the announcement of the dated for the next D23 Ultimate Fan Event. The 2026 event will take place from August 14th through 16th, and will still be at the Anaheim Convention Center, along with the Honda Center for the largest panels. Tickets will go on sale in Spring, 2026. – https://www.micechat.com/422442-news-d23-expo-returns-to-anaheim-in-august-2026/ The Napa Rose at Disney's Grand Californian Hotel & Spa is currently under renovation. At the Destination D23 event, new concept art was shown of the reimagined space. The outdoor patio is being expanded to accommodate more guests, with lush greenery and soft lighting. Two new fireplaces will also be on the patio for guests to enjoy. Inside, the dining room will blend Craftsman style with modern California sophistication. – https://disneyparksblog.com/dlr/first-look-new-concept-art-for-napa-rose-at-disneyland/ A number of new novelty items are coming to the Disney Parks and Resorts. For Christmas, a Holiday Christmas Tree Truck Bucket will be available. Over at Trader Sam's Enchanted Tiki Bar, two versions of the Holiday Zombie Mug will scare up some fun beverages. A Monsters, Inc. Scream Canister bucket, and a Little Green Men Jetpack sipper are also coming. For Easter, a Winnie the Pooh & Piglet Spring bucket, and later next year, a Bantha sipper will be available at Disneyland and on select Disney Cruise Line ships. – https://disneyparksblog.com/disney-experiences/new-novelty-items-coming-to-disney-parks-and-disney-cruise-line/ At the Destination D23 event that was streamed for D23 Gold Members this past week, a panel called “Beyond the Spires: An Insider Look at Disney Castles” went over some little known facts about the Disney Parks castles all over the world. In addition, the 5th episode of “We Call it Imagineering” will focus on the castles, which will debut on YouTube on September 8th. For all the fun facts and links, check out the link in our show notes. – https://disneyparksblog.com/disney-experiences/disney-castles-hidden-details/ We spoke previously about Hank, the longest standing cast member at the Walt Disney Company. On August 27th, Hank received the Walt Disney Legacy Award, which celebrates the legacy of Walt Disney who exhibit three Legacy qualities: Dream, Create, and Inspire. The Walt Disney Legacy Award is given to cast, crew, and Walt Disney Imagineers worldwide who have these qualities. Hank has been a cast member for the last 62 years, starting as a Jungle Cruise Skipper in 1958. If the math doesn't add up on that, it is because Hank left Disneyland for a few years to be a Garden Grove Firefighter, before returning to Disneyland. – https://disneyparksblog.com/dlr/meet-hank-todays-longest-standing-disney-cast-member/ Fans of the animated windows on Main Street have a new display to enjoy! A new Moana-themed window, featuring Moana, Hei-Hei, Pua, Maui, the Kakamora, and Te Fiti debuted this week. In the window, Moana is sailing her boat along the ocean with Te Fiti in the background, while also being chased by the Kakamora. – https://www.micechat.com/422119-disneyland-update-pumpkins-projects-pixie-dust/ With The Nightmare Before Christmas decking the halls over at the Haunted Mansion, Madame Leota is taking the opportunity to welcome Jack Skellington to her shop at the exit of the mansion. Outside, a stack of suitcases themed to Jack, Sally, and other Halloween Town residents welcomes guests. Inside, a blue banner hangs welcoming Jack and his friends. – https://www.micechat.com/422119-disneyland-update-pumpkins-projects-pixie-dust/ Pressed penny enthusiasts will be happy to know there is a new Winnie the Pooh pressed penny machine in Bayou Country. The new machine is outside of Pooh Corner, along the walkway by the entrance to the shop. A penny is supplied for the machine, and takes cash, card and contactless payments. – https://www.micechat.com/422119-disneyland-update-pumpkins-projects-pixie-dust/ SnackChat: Parkside Market Fall Offerings – https://www.micechat.com/422119-disneyland-update-pumpkins-projects-pixie-dust/ Discussion Topic: David Sparks macsparky.com

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Play Episode Listen Later Aug 29, 2025 65:31

EP812: Bryan gets hit with the late summer virus (AKA Back to school flu!). And with RFK Jr. doing his best to make us all as sick as possible, the team has to take a day or two PTO. But fear not, TCB Classic is here to save the day! The TCBC takes us all the way to back to....January?? That's right back in the days of ole! When a man was a man and we has a functioning government. (Wow! Mr.s Show notes is spicy today!) So sit back, relax and enjoy another PUA work his way to literacy! TCBits: Crabapple's #1 Micheal Jackson Impersonator Watch EP #821 on YouTube! Text us or leave us a voicemail: +1 (212) 433-3TCB FOLLOW US: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tcbpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tcbpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CREDITS: Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bryan Green⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Krissy Hoadley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Executive Producer: Bryan Green Producer: Astrid B. Green Voice Over: Rachel McGrath TCBits & TCB Tunes: Written, Voiced and Produced by Bryan Green. Rights Reserved To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

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