Podcasts about Whole life insurance

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

If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale falls. Lowering the dividend assumption by 50 basis points is easy to model. The harder question is whether that reduction is actually likely, and what would have to happen in the wider economy to cause it. This is the difference between a sensitivity test and a forecast. A sensitivity test tells you how one unit of movement affects your projected return. It says nothing about whether the change is likely, what would drive it, or how long it would last. Timing matters as much as the size of any reduction. A dividend cut early in a policy, when cash value is still small, has far less impact than the same cut decades later, when it compounds on a much larger balance. The same average reduction can produce very different outcomes depending on when it arrives. Dividend changes also never happen in isolation. The same conditions that pressure a whole life dividend tend to pressure bonds, bond funds, and CDs at the same time. Comparing a stressed policy against unstressed alternatives is not a fair comparison. Whole life is not simply a bond in disguise. Its values draw on the insurer's general account, mortality experience, expense results, and overall company profitability. That mix of drivers can smooth your experience relative to managing fixed income on your own. The honest takeaway is that whole life does not eliminate negative surprise. It limits how severe and how sudden that surprise can be. The guarantees create a floor, but the non-guaranteed elements still respond to real-world conditions. ____________________________________________ If you want help thinking through how dividend assumptions affect a policy you own or are considering, send us a message or schedule a call, and we can walk through it together.

Discussion points:- Assuris history correction (1:00)- High cash values in early years (2:15)- Interest on the loan (3:40)- Life and liquidity (5:32)- Other considerations (7:25)- Summary (9:10)

Most people assume the Fed controls interest rates. The bond market has a different opinion — and over the past several years, it's been winning. Understanding why that matters could change how you think about the whole life insurance policy you own, or the one you've been considering. When the Fed cut rates three times in 2024, the 10-year Treasury yield didn't follow. It rose. That disconnect isn't a glitch — it's the bond market pricing in inflation and fiscal risk that the Fed was slow to acknowledge. Bond vigilantes, as economists have called them since the 1980s, sell bonds to force yields higher when they disagree with central bank policy. It's happened before, and it's happening now. What most people don't realize is that whole life insurance is quietly one of the biggest beneficiaries of this dynamic. Life insurers hold massive bond portfolios, and as older bonds mature at yields of 3.6–3.7%, they're being reinvested at 5–6% and above. That reinvestment flywheel is still accelerating — and it flows directly into dividend scales. Every major mutual carrier has raised its dividend interest rate every year since 2023. Here's the part that surprises people: the lag that drives this works in your favor, whether you already have a policy or are considering one. If you own whole life, your dividends are rising and will continue to rise as more of the portfolio turns over at higher yields. If you're new to it, you haven't missed the window — the early years of any policy show the lowest dividend impact, and the tailwind will build throughout the life of your policy. ______________________________________________ If you'd like to talk through how this applies to your situation, schedule a call with us or send us a message—we're happy to walk you through it.

I welcome Donny Mangos - father, entrepreneur, author, and podcaster. Donny shares his perspectives on participating whole life (WL) insurance, with a focus on how to optimize policies and use them while alive.Discussion points:Donny's intro (2:35)Broad perspectives on whole life (WL) insurance (4:55)When Donny begin to learn about WL (6:55)Quick overview on WL (9:30)WL attributes for wealth strategy (12:35)Other aspects of WL (16:00)Investments, risk (19:35)Understanding WL through an illustration (27:44)Growth rates (37:18)Good vs bad policies (38:37)Advisors and commissions (41:44)Must ask questions (44:29)"In the money" (45:54)Liquidity (46:44)Using a corporate policy personally (53:19)Multiple buckets (56:52)Personal vs corporate loans (58:50)Grey areas (1:00:22)Who should not do this (1:02:54)Donny's Links:Book: https://www.amazon.ca/Get-Wealthed-Up-Build-Mansion/dp/1998528197Podcast: https://podcasts.apple.com/us/podcast/wealthed-up-with-donny-mangos/id1825202487Site: https://wealthedup.com/Email: donny@wealthedup.comYatin's Links:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.ca

Why 91% of Millionaires Own a Business (And You're Missing Out) with Garrett Gunderson  Jeff Dudan's free digital copy of his book What if the financial advice you've been following your whole life is actually keeping you broke? In this episode of the Unemployable Podcast, Jeff Dudan sits down with New York Times and Wall Street Journal bestselling author, comedian, and entrepreneur Garrett Gunderson - founder of Multiplier and author of 'What Would the Rockefellers Do?' and 'Killing Sacred Cows' - for a conversation that will completely rewire how you think about money, wealth, and retirement. Garrett shares why 91% of people worth $5 million or more own a business, how the Rockefeller Method can be started with just $50/month, and why the traditional retirement plan is setting most Americans up for failure. He breaks down the 4 I's costing entrepreneurs thousands every year (IRS, interest, investments, and insurance), explains the critical difference between financial independence and financial freedom, and reveals the tax-free business exit strategy most owners never hear about. You'll also hear Garrett's powerful philosophy on involving your kids in financial conversations, why diversification is often distraction in disguise, the truth about debt vs. equity, and how he went from losing two business partners in a plane crash to selling his company and filming a comedy special on Amazon Prime. Whether you're a first-generation business owner, a seasoned entrepreneur planning your exit, or someone questioning the conventional save-and-hope financial model, this episode delivers practical, contrarian, and often counterintuitive strategies for keeping more of what you make and building a life you don't want to retire from. Key Topics Covered: • Why business ownership is the #1 wealth vehicle • The Rockefeller Trust + Insurance Method explained • How to sell a business for up to $15M tax-free • The 4 I's: IRS, Interest, Investments, Insurance • Why saving can make you poorer (inflation math) • Good debt vs. bad debt - and why the distinction matters • Involving your children in financial education • The problem with venture capital and diversification • How Garrett built Multiplier after selling Wealth Factory • Stand-up comedy, Amazon Prime, and the Financial Roast  Homefront Brands: https://www.homefrontbrands.com  Jeff Dudan: https://www.jeffdudan.com  Guest: Garrett Gunderson Guest YouTube: https://www.youtube.com/@GarrettGundersonTV  Guest Website: https://garrettgunderson.com/  Guest Socials: https://www.instagram.com/garrettbgunderson/  DM Garrett the word 'Rockefeller' on Instagram @GarrettBGunderson to receive the audiobook of 'What Would the Rockefellers Do?' for free.  #GarrettGunderson #WealthBuilding #FinancialFreedom #BusinessOwner #RetirementPlanning #RockefellerMethod #Entrepreneur #TaxStrategy #UnemployablePodcast #JeffDudan Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why 91% of Millionaires Own a Business (And You're Missing Out) with Garrett Gunderson  Jeff Dudan's free digital copy of his book What if the financial advice you've been following your whole life is actually keeping you broke? In this episode of the Unemployable Podcast, Jeff Dudan sits down with New York Times and Wall Street Journal bestselling author, comedian, and entrepreneur Garrett Gunderson - founder of Multiplier and author of 'What Would the Rockefellers Do?' and 'Killing Sacred Cows' - for a conversation that will completely rewire how you think about money, wealth, and retirement. Garrett shares why 91% of people worth $5 million or more own a business, how the Rockefeller Method can be started with just $50/month, and why the traditional retirement plan is setting most Americans up for failure. He breaks down the 4 I's costing entrepreneurs thousands every year (IRS, interest, investments, and insurance), explains the critical difference between financial independence and financial freedom, and reveals the tax-free business exit strategy most owners never hear about. You'll also hear Garrett's powerful philosophy on involving your kids in financial conversations, why diversification is often distraction in disguise, the truth about debt vs. equity, and how he went from losing two business partners in a plane crash to selling his company and filming a comedy special on Amazon Prime. Whether you're a first-generation business owner, a seasoned entrepreneur planning your exit, or someone questioning the conventional save-and-hope financial model, this episode delivers practical, contrarian, and often counterintuitive strategies for keeping more of what you make and building a life you don't want to retire from. Key Topics Covered: • Why business ownership is the #1 wealth vehicle • The Rockefeller Trust + Insurance Method explained • How to sell a business for up to $15M tax-free • The 4 I's: IRS, Interest, Investments, Insurance • Why saving can make you poorer (inflation math) • Good debt vs. bad debt - and why the distinction matters • Involving your children in financial education • The problem with venture capital and diversification • How Garrett built Multiplier after selling Wealth Factory • Stand-up comedy, Amazon Prime, and the Financial Roast  Homefront Brands: https://www.homefrontbrands.com  Jeff Dudan: https://www.jeffdudan.com  Guest: Garrett Gunderson Guest YouTube: https://www.youtube.com/@GarrettGundersonTV  Guest Website: https://garrettgunderson.com/  Guest Socials: https://www.instagram.com/garrettbgunderson/  DM Garrett the word 'Rockefeller' on Instagram @GarrettBGunderson to receive the audiobook of 'What Would the Rockefellers Do?' for free.  #GarrettGunderson #WealthBuilding #FinancialFreedom #BusinessOwner #RetirementPlanning #RockefellerMethod #Entrepreneur #TaxStrategy #UnemployablePodcast #JeffDudan Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode Summary In this episode of Wade Borth Podcast, Wade Borth and Beth Reich tackle one of the most common reactions people have when they first hear about Infinite Banking and whole life insurance strategies: "This sounds too good to be true." Wade breaks down why skepticism around alternative financial strategies is natural, while also challenging listeners to examine the traditional banking and retirement systems with the same level of scrutiny. The conversation explores the difference between guaranteed assets and speculative investments, the role of liquidity during economic downturns, and why education and intentionality are essential when making financial decisions. Throughout the episode, Wade emphasizes that Infinite Banking is not about chasing unrealistic returns—it's about building control, certainty, access to capital, and long-term financial flexibility. Beth provides the perspective of the everyday consumer, asking the questions many listeners are already thinking: What's the catch? What are the risks? Why doesn't everyone do this? The episode ultimately becomes a discussion about mindset, financial literacy, and the risks of inaction when it comes to personal wealth-building. Links & Resources sagewealthstrategy.com Keywords Infinite Banking, Whole Life Insurance, Family Bank, Financial Freedom, Cash Flow, Policy Loans, Wealth Building, Personal Finance, Guaranteed Assets, Financial Literacy, Retirement Planning, 401k Alternatives, Liquidity, Opportunity Cost, Financial Education, Wealth Strategy, Passive Wealth, Banking System, Financial Independence, Wade Borth Episode Highlights 00:00–01:12 – Wade introduces the concept that money tends to flow back to people who understand how to use it effectively. 01:12–02:15 – Discussion on the profitability and structure of the modern banking system. 02:15–03:14 – Recommended books for understanding both the banking system and personal financial control. 03:34–04:58 – Wade explains why more people use Infinite Banking than most realize—it's simply private. 05:01–05:47 – The vision behind creating a "family bank" and building generational financial control. 06:19–07:33 – Why fear often comes from not understanding financial products and outcomes. 07:33–08:29 – Wade contrasts guaranteed assets with speculative investment returns. 08:29–09:26 – How policy loans provided liquidity and opportunity during the 2008 financial crisis. 09:26–10:28 – The importance of long-term thinking versus short-term liquidity concerns. 10:28–11:17 – Wade critiques the passive "set it and forget it" mindset around 401(k)s. 11:18–12:35 – The difference between arguing and genuinely wanting to learn. 13:46–14:58 – Wade answers the question: "What's the biggest risk with whole life insurance?" 14:58–16:07 – The hidden cost of inaction and lost financial opportunity over time. 18:58–20:06 – Common financial results come from common financial behavior. 22:02–22:57 – "A confused mind takes no action" — Wade explains why education matters more than selling.

  When a big win lands in your lap — a stock that ran further than you expected, a property sale, a business exit, an inheritance — the planning problem changes. The challenge is no longer how to build wealth. It becomes how to protect what you just earned without abandoning the upside that got you here. This episode walks through a real case study of someone who came into roughly $5 million well before retirement age. The decision was to move $2 million into whole life insurance and keep $3 million invested in the market. We explain why that split made sense, how the policies were designed, and what the strategy has produced so far. A key part of this conversation is policy design. When you already have all the money you intend to fund a policy with, the obvious move — putting it all in at once — is usually the wrong one. We walk through why that creates a modified endowment contract problem, how staging premiums over several years solves it, and why the right number of years depends on the product, your age, and a handful of other variables. You'll also hear why the benchmark for whole life in this situation is not the stock market. It's the conservative side of your portfolio. Expect bond-style returns with contractual guarantees, the ability to lean on policy values during bad markets, and meaningful estate leverage that most clients come to appreciate more over time. __________________________________ If you've had a significant gain and you're trying to figure out how much of it should stay exposed to risk, we can help you think it through. Schedule a call or send us a message and we'll walk through your situation together.          

Episode Summary In this episode of the Wade Borth Podcast, Wade Borth sits down with assistant Beth Reich to tackle one of the most common reactions people have when hearing about Infinite Banking and whole life insurance strategies: "This sounds like a scam." Through an open and candid conversation, Wade explains why skepticism often comes from misunderstanding how whole life insurance works, the stigma surrounding insurance products, and the prevalence of financial misinformation online. He emphasizes that Infinite Banking is not a "get rich quick" scheme, but rather a long-term financial system built on discipline, intentionality, and education. The discussion explores the difference between empowerment and dependency in financial planning, how policy loans have existed since the 1800s, why mutual insurance companies operate differently from Wall Street-driven institutions, and how individuals can regain control over the financing function in their lives. This episode serves as both an introduction and a reality check for listeners curious about Infinite Banking, whole life insurance, and personal financial sovereignty. Links & Resources sagewealthstrategy.com Keywords Infinite Banking, IBC, whole life insurance, financial education, financial freedom, policy loans, mutual insurance companies, personal finance, wealth building, cash flow, banking system, financial empowerment, skepticism, financial literacy, money mindset, long-term wealth, life insurance strategies, financial control, Wade Borth, policy cash value Episode Highlights 00:00–01:16 – Wade introduces the episode and explains the goal: addressing the "unasked questions" many listeners have about Infinite Banking and whole life insurance. 01:16–02:22 – Beth discusses how online comments often label the strategy as "a scam" or "too good to be true." 02:22–04:23 – Wade explains that there is "no magic in this business, just a lot of magicians," emphasizing transparency and financial empowerment. 04:23–06:17 – Wade explains that Infinite Banking requires intentionality, discipline, and understanding—not an "easy button." 06:17–07:23 – Discussion about financial incentives and how money managers profit whenever money moves. 08:39–10:17 – Beth asks whether stigma around insurance products contributes to skepticism surrounding whole life insurance. 10:17–12:05 – Wade explains how mutual insurance companies operate for policyholders rather than shareholders. 12:05–13:25 – Wade breaks down the concept of paying premiums versus receiving a larger death benefit. 14:03–15:30 – Wade explains that whole life insurance is not an investment, but a professionally managed bond and real estate portfolio. 15:30–16:33 – The history of policy loans is discussed, dating back to 1848. 16:33–17:27 – Wade describes Infinite Banking as "the opposite of get rich quick"—a long-term wealth-building process. 18:15–19:06 – Wade discusses how people should evaluate whether a financial strategy truly serves their goals. 19:06–20:39 – Conversation about skepticism versus curiosity and the importance of open-minded learning. 22:21–24:48 – Discussion about how modern media amplifies both education and misinformation around financial concepts. 25:47–28:23 – Wade explains the historical origins of banking and references The Creature from Jekyll Island when discussing centralized banking systems.

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.

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

The 401k access rules they never taught you — RMDs, hardship withdrawals, loans & hidden costs.

Whole life insurance is being rebranded right now as “Bank on Yourself” or “Infinite Banking”—and the pitch sounds incredibly attractive. It promises safety, guaranteed growth, and the ability to borrow from your own policy like you're your own bank. But what most families don't realize is that for the average Christian dad, this strategy often creates more financial drag than freedom. In this episode, we break down the real differences between term vs whole life, why whole life gets sold so aggressively, and the few situations where it can actually be useful. But mostly, this is a warning: what looks like wisdom on paper can quietly keep your family from building real wealth, margin, and generosity. If you've ever been pitched infinite banking—or you're considering buying whole life—watch this first. About Abraham's Wallet: Abraham's Wallet exists to inspire and equip Biblical family leaders. Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/support AW website Apple Podcasts Spotify YouTube Facebook LinkedIn Instagram Chapters (00:00:00) - Abraham's Wallet: The Infinite Banking Pitch(00:02:27) - Be Involved in School Matters!(00:05:57) - Incendiary Banking on Yourself(00:08:33) - What is Whole Life Insurance? vs Term Life Insurance(00:12:17) - Will You Bank On Yourself With Whole Life? (Infinite Banking(00:16:22) - Do You Need a Loan Against Your Whole Life Policy?(00:20:25) - Wonders of Life Insurance, Part 4(00:26:17) - Inert Banking Advice for Insurance Salesmen(00:33:40) - Is Whole Life Insurance Dumb?(00:36:30) - Whole Life Insurance, Sold, Not Bought(00:39:44) - A Promise For The Generations

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Brianna Johnson. A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Brianna Johnson. A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

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

In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley shares how the COVID-19 pandemic caused a devastating 90% overnight sales drop in his Amazon party supplies business — just as he'd bought his dream home and left his corporate job. Facing financial pressure with no safety net, Josh pivoted boldly, launching educational homeschooling posters that quickly became bestsellers. He shares three key lessons: focus on what's already working before diversifying, build a cohesive brand, and take calculated big risks. Josh also emphasizes saving profits for emergencies, illustrating how resilience and adaptability helped him scale to over $20 million annually.Links and Mentions:Tools and Websites"Etsy": "00:08:09""Facebook": "00:08:09"Key Concepts and Strategies"Printable Files": "00:08:09""Virtual Party Invitations": "00:08:09""Stay-at-Home Family Celebration Party Kit": "00:08:09""Educational Posters": "00:10:57""Whole Life Insurance": "00:22:03""S&P 500": "00:22:03"Lessons Learned"Do not diversify too early": "00:14:51""Focus on building a cohesive brand": "00:16:41""Be willing to take risks in competitive categories": "00:19:12"Timestamps:00:00:00 Introduction & BackgroundJosh introduces himself, his business background, and the premise of the episode about overcoming a 90% sales drop.00:00:55 Pre-COVID Life & Buying a New HomeDescribes family situation, decision to buy a larger home, and the excitement and anxiety of making a big purchase.00:02:44 Closing on the Dream Home & COVID HitsDetails closing on the new house in late February 2020, and the immediate onset of the COVID-19 pandemic.00:03:39 Immediate Impact of COVID on BusinessExplains how COVID caused gatherings to stop, leading to a 90% overnight drop in sales of party supplies.00:05:27 Financial and Emotional PressureDiscusses the stress of a new mortgage, loss of business income, and having just left a corporate job.00:07:18 Initial Scramble & Early PivotsShares the first attempts to recover revenue, including printable files, virtual invitations, and new product ideas.00:09:00 Experimenting with New Revenue StreamsDescribes launching a family celebration kit membership and turning off Amazon ads due to poor performance.00:10:01 Gradual Recovery & The Big PivotOutlines the slow sales recovery and the decision to make a bold move into educational posters for homeschooling.00:10:57 Launching Educational PostersDetails the launch of educational posters in late August/early September 2020, quickly becoming a bestseller.00:12:55 Lessons Learned: Focus on What WorksReflects on the mistake of focusing on Shopify over Amazon, and the importance of doubling down on successful channels.00:15:49 Lessons Learned: Brand CohesionDiscusses the lack of a cohesive brand and the need to define and serve a specific customer avatar.00:18:14 Lessons Learned: Take Bigger RisksEmphasizes the importance of focusing growth, taking bigger swings, and not playing it too safe with product launches.00:20:07 Action in Crisis & Doubling DownEncourages taking action during tough times, experimenting, and doubling down on what works to drive recovery.00:22:03 Preparing for a Rainy DayAdvises saving profits, investing in safe assets, and building a financial safety net for future downturns.00:22:56 Conclusion & Final EncouragementWraps up with encouragement to focus on proven channels and make bold moves when facing adversity.Transcripts:Josh Hadley 00:00:00  I lost 90% of the sales in my business overnight. At that point, I felt like my business was done for. It was time to close up shop and find something different to do. Today I'm going to share with you the exact strategies, the tactics, and the lessons learned that I implemented in the business to be able to resurrect it from the dead and to get it where it is today of generating over $20 million in annual revenue. Welcome to the Ecomm Breakthrough Podcast, I'm Josh Hadley. I've scaled my own ecommerce brand from 0 to 8 figures, and I'm actively building towards nine figures in sales. This podcast is where I document that journey and share the systems, the strategies, and the lessons learned in real time so that you can learn what actually matters and scale your own business. First and foremost, who am I? My name is Josh Hadley. I'm a man of faith. I am a father of four and a husband to a beautiful wife. I have been selling into e-commerce space for over a decade, doing multi millions in revenue on different sales channels such as Shopify, TikTok, shop and of course, Amazon.Josh Hadley 00:00:55  And I am also the host of the number one business strategy Podcast in the e-commerce space, and that is E-com breakthrough. So what drove a 90% decline in my sales? Well, before we get to that point, I have to tell you the story of where my wife and I were at at that specific moment in time before the 90% decline in sales happened overnight for us. Well, this was January of 2020, and my wife and I were looking at needing to move to another home. And that was because we had kind of, frankly, outgrown our existing home. We knew we wanted to grow our family. We had a three bedroom, two bedroom, three bedroom, two bath house. We had two kids at the time, and we knew we wanted to be able to expand our family and continue to grow. And, you know, especially working from home, that three bedroom, two bath house and being 1900 square feet became really small, really quick, especially trying to run a business out of the house.Josh Hadley 00:01:49  And so we were trying to find like, where is the place that we need to be? Well, it came one Sunday. We were driving around and we stumbled upon an open house, and we went into this open house and we felt moved upon to move into this house. Now, this house was almost triple the size of our current home. This was figuratively like a dream home for us. It was in a dream neighborhood. We got to still attend the same church and be around the same family and friends that we were around at the time. And so we felt like with that, like this was our godsend. This was an answer to prayers and we need to go close on this home. And so although this was a very exciting time, it was also very nerve wracking for me because this was the biggest purchase that I was ever going to make in my life. I had never had a mortgage, a need to take out a quote unquote a jumbo loan for a mortgage, ever. And this was a lot of money, all of the money that we had been saving up for.Josh Hadley 00:02:44  And, you know, basically taking profit from the business was going to go to a big down payment on this property. Well, guess what? We did close on this property of February 28th, 2020. And as many of you know, what was just around the corner was going to be Covid and basically the lockdown and the shutdown to the world as we knew it at the time. And so my wife and I, I remember this like it was just yesterday. My wife and I were there at target late at night just before, like it was closing time at target. And I remember, you know, thumbing through on my phone just kind of like the news and things like that. As I was waiting in line and I saw the information where it was, I think it was the jazz, it was the Utah Jazz and some other team. Maybe it was the Houston Rockets, I'm not sure. But that game was canceled and the NBA literally canceled that game before it was about to tip off.Josh Hadley 00:03:39  Like people like people were ...

In 2022, the Bloomberg U.S. Aggregate Bond Index lost over 13%. Stocks and bonds fell at the same time, and the core promise of the 60/40 portfolio — that bonds protect you when equities drop — broke down completely. If you're a high-income investor relying on bonds for the "safe money" portion of your portfolio, that year should have raised a serious question: what actually belongs in that allocation? Three independent academic studies offer a surprising answer. Research from Ernst & Young found that integrating permanent life insurance as a fixed-income component produced approximately 20% more sustainable retirement income than investment-only strategies across 1,000 Monte Carlo scenarios. Wade Pfau's buffer asset research showed that drawing from a whole life policy during just three down-market years turned a completely depleted portfolio into a $2.26 million ending balance. And the Pfau-Kitces rising equity glidepath study found that the optimal retirement strategy requires a guaranteed, non-correlated foundation — exactly the role whole life cash value can fill. The mechanism isn't complicated. Major mutual insurers invest in the same bonds that sit inside bond funds, but they hold them to maturity. When rates rise, bond fund prices fall — but whole life dividend rates increase as carriers reinvest at higher yields. Then there's the tax math. A 4.5% bond yield at a 40% combined tax rate nets you roughly 2.5%. Whole life cash value growth is tax-deferred, policy loans aren't taxable income, and they don't show up in your MAGI — which means they won't trigger Medicare IRMAA surcharges. None of this means you should abandon bonds entirely. But if you're concerned about taxes, sequence-of-returns risk, and interest rate exposure, it's worth looking at what the research actually says about where whole life fits. _______________________________________________________ If you'd like to talk through how this applies to your situation, schedule a 30-minute call — no obligation, no sales pitch or if you'd prefer to write us first, you can click right here. 

Host KJ welcomes Mark Forman, CMO of Optifino to explore how AI is finally modernizing the $2 trillion permanent life insurance industry. Mark shares his accidental journey from poetry student to InsureTech marketer, explaining how a lack of transparency, outdated distribution models, and the absence of a true marketplace have left millions of Americans underinsured. He shares how Optifino uses AI to compare complex permanent life insurance policies side by side, giving advisors and consumers the kind of informed, data-driven experience that every other financial sector already enjoys. The conversation also tackles the $12 trillion U.S. life insurance coverage gap and why 82% of wealthy investors want insurance guidance but only 12% are getting it. Four Key Takeaways: The Insurance Industry Has Benefited from a Lack of Transparency (12:23) Unlike stocks or ETFs where all data is accessible instantly, permanent life insurance has no real marketplace. Consumers can't easily compare policies, leading to overpaying, policy lapses, and lost cash value. AI Makes Advisors Bionic, Not Obsolete (24:20) When advisor Mike Sheen first saw Optifino's AI demo, he feared replacement — but quickly realized there's now no ceiling to how good he could be. With 25+ carriers, 10+ products each, and thousands of permutations, AI assistance isn't optional — it's essential. There's a $12 Trillion Life Insurance Coverage Gap in the U.S. (29:27) LIMRA data shows Americans are massively underinsured. The shift toward fee-based RIAs (who don't sell commission-based insurance) has widened the advice gap — 82% of wealthy investors want insurance guidance, but only 12% report receiving it. Know Your Problem Deeply Before Going to Market (36:48) Mark's parting advice: fall in love with the problem you're solving. Talk to the people you want to serve, validate that your solution actually addresses their pain, and lead with hard data — not corporate jargon. Quote of the Show (30:16):"Insurance sucks until you need it. No one likes to pay their premiums, but if you've ever had an experience where the insurance paid off, you were very happy." — Mark Forman Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Marc Forman: LinkedIn: http://www.linkedin.com/in/mark-formanCompany Website: https://optifino.com/ How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Learn about Whole Life Insurance and how it works, the pros and cons of whole life insurance, how you can use whole life insurance cash value and loans. Also in this episode learn more about Indexed Universal Life Insurance. Is IUL really a permanent life insurance policy? Does universal life insurance work well? Does term life insurance have a benefit if you're single or already have life insurance coverage? Most people think life insurance is about what happens when you die. Participating whole life insurance is a financial asset you build equity in while you're alive, and can use as a financial tool. Here is a comprehensive downloadable detailing all about Whole Life Insurance, and how Participating Whole Life Insurance Works: https://pages.mcfieinsurance.com/whole-life-insurance-made-simple/   Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA== Facebook: https://www.facebook.com/profile.php?id=61554798231074 Listen to the Wealth Talks Podcast on: YouTube: https://www.youtube.com/@wealth-talks-podcast Apple Podcasts: https://podcasts.apple.com/gb/podcast/wealth-talks/id978187163 Spotify: https://open.spotify.com/show/7MOugefeGkTl5jdkhYdjvQ?si=80ce9359d8e54cc8

Is whole life insurance the right choice for your financial future? In this episode, Russ and Joey break down why whole life insurance is the ideal choice for infinite banking compared to Indexed Universal Life (IUL) or Variable Universal Life (VUL), both of which have gained attention in recent years.Nelson Nash, the founder of IBC, believed that whole life insurance provides the most reliable and predictable returns, as opposed to the volatility and limitations of IUL and VUL policies.Tune in to understand the differences and why whole life could be essential in your financial freedom journey.Top three things you will learn:-Why whole life insurance is the best choice for infinite banking-The risks of using IUL and VUL for infinite banking-How to build long-term wealth with whole life insuranceDisclaimer: 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.

Hans and Robby are back again this week with a brand new episode! This week, they discuss cash value whole life insurance.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Joxavier Jackson. A financial advisor with over 15 years of experience across major institutions such as Wells Fargo, Chase, and Bank of America. She discusses her evolution from a teenage bank teller to an independent financial planner at The Piedmont Group in Atlanta, where she provides holistic, comprehensive wealth management—especially for clients who traditionally lack access to financial literacy. Joe shares her personal journey, the gaps she observed in financial education—especially in working‑class families and communities of color—and why she aims to provide accessible, relationship‑based financial planning. She breaks down the fundamentals of long‑term wealth: insurance, asset allocation, retirement accounts, tax strategies, fraud prevention, and planning for individuals and business owners. The discussion highlights the importance of financial confidence, the significance of meeting people where they are, and the need to increase participation of Black and Brown individuals in wealth‑building spaces.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Joxavier Jackson. A financial advisor with over 15 years of experience across major institutions such as Wells Fargo, Chase, and Bank of America. She discusses her evolution from a teenage bank teller to an independent financial planner at The Piedmont Group in Atlanta, where she provides holistic, comprehensive wealth management—especially for clients who traditionally lack access to financial literacy. Joe shares her personal journey, the gaps she observed in financial education—especially in working‑class families and communities of color—and why she aims to provide accessible, relationship‑based financial planning. She breaks down the fundamentals of long‑term wealth: insurance, asset allocation, retirement accounts, tax strategies, fraud prevention, and planning for individuals and business owners. The discussion highlights the importance of financial confidence, the significance of meeting people where they are, and the need to increase participation of Black and Brown individuals in wealth‑building spaces.

Attorney Steve Gibbs Puts Whole Life Insurance on trial and Makes "The Case" for utilizing it Your Wealth Building Arsenal. Caleb Guilliams is joined by Steve, the co-founder of Insurance and Estates with a surprise guest, Barry Brooksby, to challenge him on why he calls whole life insurance a "guaranteed investment".Watch the Video on Youtube for Visuals - https://youtu.be/wk210M9jfLsWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comTimestamps:00:00 Intro 01:03 Introducing Steve & Barry 02:50 Barry introduces Insurance and Estates 05:09 Quantifying The Value of Credit Protection 09:56 Asset Protection From Contracts and State Laws12:50 Cash in a Bank vs. Cash Value Life Insurance 15:02 Life Insurance as a Contract and Trust 16:31 Barry Addresses "Guaranteed Investment" Statement 18:07 Defining "Investment" and "Guaranteed Asset"22:21 Contract as an Asset 24:46 How is life insurance considered a trust? 28:36 Steve's "AHA moment" on Life Insurance 33:42 Life Insurance Compared to 401ks 43:21 Steve's Personal Experience with Life Insurance 45:16 Why are people attracted to life insurance? 48:24 Comparing IUL (Indexed Universal Life) to Whole Life Contracts 55:20 Response to "Buy Term and Invest the Difference" 58:08 Legacy and Permanent Life Insurance 1:01:55 100 Years of Bond Yields vs Dividend Interest Rates 1:11:21 Why is Life Insurance so Hated? 1:18:50 Final ThoughtsDISCLAIMER: 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.

Buying Term Life insurance rather than Whole Life insurance and then investing the difference of premium payments, became popularized financial advice in the 1970s and 1980s by AL Williams. Now today, 50 years later, this advice is still the cornerstone principal for many financial advisors including Dave Ramsey. Is Buy Term and Invest the difference the best option now? Whole Life insurance policies available today are different than 50 years ago, the market is always changing, is it time to revisit buying term and investing the difference? In this episode we compare buying term and investing the difference, vs buying high cash value designed whole life insurance. The results are pretty interesting. Listen and find out the details. Get The Show Notes Here: https://mcfieinsurance.com/podcasts/buy-term-and-invest-the-difference-vs-whole-life/

When a child is born, smart families start thinking about life insurance, generational wealth, and long-term financial security — but most people don't realize a properly structured policy can do far more than provide a death benefit. By utilizing whole life insurance as a private family banking strategy, parents and grandparents can build tax-advantaged growth, create passive income, and even profit from policies designed for the next generation. In this episode of Private Banking Strategies Podcast Vance Lowe and Seth Hicks Esq., break down how to build and expand the powerful wealth-building tool that turns life insurance into a multi-generational asset to strengthen your families cash flow, protect legacy wealth, and build financial freedom for the future. Vance and Seth discuss: Building a 100-Year Private Family Bank with Whole Life Insurance Real Examples: Nelson Nash & Protecting the Third Generation Why Grandchildren Policies Matter (Generation 3 Strategy Explained) Compounding Power: Why Starting Early Beats Investing in the Stock Market Education vs. Inheritance: How to Avoid Wealth Collapse in Future Generations Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today:https://privatebankingstrategies.com/resources/free-e-book/ 

Trent Fortner, a 40+ year veteran in the life insurance and wealth planning space gives an 89 minute masterclass on how life insurance, if incorporated properly can completely reshape your financial plan and wealth building strategies. Trent lays the groundwork and dives into the numbers with his calculators to prove that a financial plan without life insurance can't compete with one that does.Connect with Trent: https://trentfortner.com00:00 Intro 00:44 Introducing Trent Fortner 01:39 Returning to Basics & Overarching Planning02:07 LEAP and Infinite Banking 03:47 Working with Nelson Nash in the 1990s 06:26 Power of Life Insurance & the LEAP Process 06:45 Problem with Product-Centric Planning 07:33 Dr. Wade Pfau & Non-Correlated Assets 08:57 Risks of Indexed Universal Life (IUL) 12:23 Holistic Planning 15:32 LEAP Present Plan Model 21:41 Client Choices After Discovery 22:50 Addressing the “Cost” Objection 24:39 Compounding Taxes 33:24 Impact of Losses on Savings 39:08 Taxes Are a Complete Loss 44:36 Flattening Taxes 48:53 Adding Benefits with Permanent Life Insurance 49:39 Compounding vs. Whole Life Insurance 56:42 Life Insurance vs. High-Yield Savings Account 01:03:01 Rich on Paper vs Rich In Real Life 01:06:52 Ways to Use Permanent Life Insurance 01:11:37 Gains, Advantages, Risks 01:22:04 Final ThoughtsWatch the Video on Youtube for Visuals - https://youtu.be/vG8jaEDRDPQWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.comDISCLAIMER: 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.

If you have questions about Infinite Banking or Whole Life Insurance, this is the perfect episode for you. We go through a bunch of specific questions on Infinite Banking, Whole Life Insurance, Financial Strategies and the like; answering the questions in lots of detail. Resources for this episode are here:  Gracine's video on single premium policies: https://www.youtube.com/watch?v=POTBDjFA6yE&t=1s Tom's video on 2 ways to pay property taxes: https://www.youtube.com/watch?v=1lPmv8TPWEI

Do you find yourself setting money aside, only to watch those savings disappear when unexpected expenses arise? This cycle is common when traditional savings tools lack flexibility and protection. By leveraging uninterrupted financial growth through properly structured whole life insurance, your money can continue to compound predictably—even when life happens. In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq. break down why traditional investment vehicles—stocks, real estate, mutual funds, and Wall Street–based portfolios—often fall short of delivering true long-term security, liquidity, and control and how properly structured whole life insurance–based private banking strategies offer a more reliable alternative, delivering guaranteed growth, tax-advantaged cash flow, uninterrupted compounding, and contractual certainty. Vance and Seth discuss: Introduction: Rethinking traditional wealth-building strategies Predictable compounding growth vs. traditional investments (why certainty wins long term) How to create uninterrupted compound interest outside of Wall Street The truth about 401(k)s: why the creator no longer supports them for retirement Life insurance as a long-term wealth strategy vs. stocks and real estate Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/ 

Is infinite banking a smart wealth strategy or just well-marketed?In Part 2 of this two-part debate, Ben and Bob continue their conversation with Caleb Guilliams ( @BetterWealth  ) and Jim Dew ( @DewWealth  ) Together, they unpack the realities of infinite banking and whole life insurance. Ben shares his own experience implementing these strategies, while the group debates the math, tradeoffs, and why infinite banking is often oversold to investors.Thinking about adding infinite banking to your financial plan or wealth strategy? This episode is packed with expert insights and real-world lessons.Have more questions, or want more resources like a tax calculator? Go to https://investlikeabillionaire.org to learn more about our community. Check out Ben & Bob's company and invest along at https://aspenfunds.us/

Welcome to Teeth & Titanium, Episode 62, “Permanent Bad Insurance” This episode features: Current Events-    Oscar's math skills-    Spotify Wrapped New Years Resolutions Fan Mail-    McGill medical rotation update-    Joey from Brampton  Resident reminder            - Local Anesthetic Toxicity Journal Club-   Federal Student Loan Changes Uniquely Impact 6-Year Oral and Maxillofacial Surgery Residents-   Rates and Determinants of Prosthodontic Rehabilitation After Segmental Jaw Surgery-   Naloxone Coprescribing in Oral and Maxillofacial Surgery: An Opportunity for Harm Reduction? Your personal Finance Drill from PWL Capital, “Whole Life Insurance”-    Brady Plunkett Senior Wealth Advisor, Portfolio Manager, CFP®, CIM® Recommendations-    Greatest movie of all time Be sure to subscribe so you never miss an episode! Apple / Spotify / Google / Online links Thanks to the CAOMS and PWL for their continued support of this podcast. https://www.caoms.com.  PWL Capital; https://pwlcapital.com/ If you would like to contact us, be a guest, or would like to submit a topic for Resident Reminder or Journal club, please email us at: teethandtitaniumOMFS@gmail.com Hosted by Dr. Wendall Mascarenhas & Dr. Oscar DalmaoProduced by Dr. Brad W. Ray Articles/Books cited in this episode: Morgan CD, Borbiev ST, Peacock ZS. Federal Student Loan Changes Uniquely Impact 6-Year Oral and Maxillofacial Surgery Residents. J Oral Maxillofac Surg. 2026 Jan;84(1):9-10. Idrissi Janati A, Nizar Beema A, Gigliotti J, Makhoul N, El-Hakim M, Karra N. Rates and Determinants of Prosthodontic Rehabilitation After Segmental Jaw Surgery. J Oral Maxillofac Surg. 2026 Jan;84(1):127-137.  Sung KE, Wang TT, Keith DA, Hajibandeh JT. Naloxone Coprescribing in Oral and Maxillofacial Surgery: An Opportunity for Harm Reduction? J Oral Maxillofac Surg. 2026 Jan;84(1):6-8.

Can you use whole life insurance to pay off debt? In this real case study, Caleb Guilliams and Denzel Rodriguez ( @DenzelNapoleonRodriguez break down how a properly structured whole life insurance policy was used to pay down $140,000 in student loan debt. We walk through real numbers, cash value, policy loans, interest rates, and when this strategy actually makes sense and when it doesn't. Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Whole Life Insurance Case Study: Paying Off Debt 01:46 Life Insurance to Pay Off Debt 03:55 Pre-policy Parameters 06:53 Rules for Borrowing Against a Policy 08:28 Debt Repayment vs. Starting a Permanent Policy 10:37 Convertible Term Insurance and Debt Snowballing 13:01 High-Interest Debt and Whole Life 16:28 Denzel's Case Study: 22-Year-Old Female with Student Loans 19:26 Student Loans in Forbearance and Interest Capitalization 24:50 When Using Whole Life to Pay Off Debt Makes Sense (and When It Doesn't) 27:03 Comparing Debt Payoff Strategies 31:07 Leveraging Whole Life to Pay Off Debt 34:25 Cash Flow and Debt Repayment 38:52 Leveraging Borrowed Money to Fund Whole Life Insurance 50:45 Importance of Personal Growth and Certainty 55:50 Final Thoughts ______________________________________________ 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.

EncycloMedia Series #36 BackdatingIn this installment we discuss the utility of back dating a policy, particularly when seeking to implement Infinite Banking.Typically, you can do this as far back as six months and it can be useful to collapse time frames, capitalize faster, and more.Resources mentioned in the video:EMS#28 Human Life Value  https://youtu.be/_BpNaoC0IWQ?si=Uwnt6ejSQmik4ERuHappy learning!Welcome to our EncycloMedia Series!This series is dedicated to defining, classifying, and describing the particulars of Whole Life Insurance as the ideal asset to use for Infinite Banking as described by R. Nelson Nash in his book, Becoming Your Own Banker. ⚔️ LIVE & LEAVE A LASTING LEGACY

Caleb Guilliams & Chris Naugle ( @TheChrisNaugle ) showcase a brand new calculator that demonstrates the true value of whole life insurance compared to other assets. They then debate the true math behind buying cars using the infinite banking concept. 00:00 Introduction and Whole Life Insurance Misconceptions 01:17 Defining Infinite Banking Concept (IBC) 02:12 The Role of Whole Life Insurance in IBC 04:26 Insuring Your Greatest Asset (Ability to Earn) 06:08 Societal Shift and Lack of Selfless Thinking 09:31 Keys to Financial Success 11:11 Whole Life Insurance as an Efficient Asset 15:39 The Stigma of Whole Life Insurance 16:30 Whole Life Insurance is Not an Investment 17:39 Uninterrupted Compounding Interest 19:30 Competitive Growth and the Tax Advantage 30:45 Why Chris Naugle Uses IBC for Cars 37:05 Mathematical Debate on Loans and Savings 47:29 Personal Preference and Capital Movement 49:57 Alternative Strategies (Leasing) and Conclusion Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

How Infinite Banking is going to work in 2026. What's changing? What's staying the same? In this episode:  *An update on Dad* His diagnosis, treatment and whats happening right now. Using Infinite Banking to keep your money growing at maximum efficiency Using Infinite Banking with Real Estate Why should you use Whole Life Insurance with Infinite Banking? Making a cash offer on a piece of real-estate Using Life Insurance and Infinite Banking for Retirement Using Infinite Banking to purchase a vehicle Can I start an Infinite Banking policy on my children and grandchildren?

Is whole life insurance a smart investment strategy or an expensive mistake?In Part 1 of this two-part deep dive, Ben and Bob sit down with financial experts Caleb Guilliams (Better Wealth) and Jim Dew (Dew Wealth Management) to break down the truth about whole life insurance and infinite banking.They explain whole life insurance, compare whole life vs term life insurance, reveal what makes a strong life insurance policy, highlight common mistakes, and show when these strategies benefit your wealth, and when they don't.Investors and entrepreneurs: this two-part series gives you the clarity the financial world doesn't.Have more questions, or want more resources like a tax calculator? Go to investlikeabillionaire.org to learn more about our community. Check out Ben & Bob's company and invest along at https://aspenfunds.us/

In this episode of "The D.O. Show," host Dustin Owen—drawing on his two decades of expertise in the financial and mortgage industries—dives deep into the often misunderstood world of insurance. With his signature "321 format," Dustin breaks down the essentials of disability, term life, and whole life insurance, making complex topics accessible for listeners at every stage of their financial journey. Dustin kicks off the episode by answering real audience questions, addressing common concerns such as: "Do I really need disability insurance if I'm young and healthy?", "How much term life coverage is enough for my family?", and "Is whole life insurance a smart investment or just a sales pitch?" He then transitions into a discussion of recent headlines and trends in the insurance industry, highlighting regulatory changes, new product offerings, and shifts in consumer behavior that could impact listeners' decisions. Throughout the episode, Dustin offers an in-depth perspective on whole life insurance, explaining how it differs from term life, the mechanics of cash value accumulation, and the scenarios where it might make sense—or not—for different individuals. He emphasizes the importance of understanding the true purpose of each insurance product, dispelling myths such as "insurance is only for the wealthy" or "whole life is always a bad deal." Dustin also shares real-life stories from his career, illustrating how proper insurance planning has protected families and individuals during unexpected life events. Importantly, Dustin stresses that insurance should be viewed as a foundational element of a sound financial plan—not as an exciting investment or a way to chase returns. He encourages listeners to approach insurance decisions thoughtfully, focusing on protecting their income, loved ones, and long-term financial stability. By the end of the episode, listeners will have a clearer understanding of how disability, term life, and whole life insurance work, why they matter, and how to evaluate their own coverage needs. Dustin's practical advice and candid insights empower the audience to make informed, confident decisions about their insurance, ensuring they're prepared for whatever life may bring.

The Round Table Series #14: Part 1 - Owning & Using Whole Life vs The IBCIn this council of The Round Table we discuss the differences between the historical ownership of whole life insurance, the use of policies loans and into what is now the codified ownership and utilization of properly designed whole life insurance, from mutual companies, for the implementation of The Infinite Banking Concept as described by R. Nelson Nash. To connect with Brandon, go to www.themoneyadvantage.com or email him directly at brandon@themoneyadvantage.comTo connect with Rob, go to: www.perfectspiralcapital.comHis Book:www.afathershandbook.comRob's YouTube channel:https://youtube.com/@robbraytonpsc?si=EnllETF3VVrc2zerTo connect with Dan, email: Longmountain35@gmail.comTo connect with Bruce, email him at bwehner@e3wealth.com The Money Advantage Podcast - https://youtube.com/@themoneyadvantage?si=6a4uvn1VcM61BPWXI hope you enjoy and learn!⚔️ “LIVE & LEAVE A LASTING LEGACY”

In this video, we break down high early cash value whole life insurance and why it is the foundation of the Infinite Banking Concept. You'll learn how cash value works like money in a bank, why whole life insurance is more than a death benefit, and how it creates a real financial asset you can use while alive. We explain how policy loans let you access capital without stopping your money from growing, without credit checks, and without banks controlling your repayment. This strategy gives control, certainty, and a system to grow and use your money safely. Join the Tactical Empire Network on SKOOL for free and attend our Infinite Banking webinar every other Thursday.

Retirement and Life Insurance Expert explains why this may be the best environment in 80+ years to own whole life insurance. In this interview, Caleb Guilliams and PhD in Retirement Income Planning, Tom Wall, break down whole life vs IUL as a fixed-income/bond alternative, and why guarantees, volatility, taxes, and behavior matter more than chasing a few extra basis points of return. They also walk through how to think about internal rate of return (IRR), death benefit, chronic illness riders, and tax-free access to cash value as part of a holistic portfolio, not a stand-alone asset.Get Your Ticket to Tom's Event: https://faststartforum.comWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In today's episode, Ted interviews Chris Naugle, former pro snowboarder turned wealth strategist and America's #1 money mentor. Chris has helped thousands of people rethink the way they save, invest, and build long-term security through simple, proven financial principles.  Together, Ted and Chris break down the traps most people fall into: relying on traditional banks, following outdated financial advice, letting emotions drive decisions, and misunderstanding how wealth is really created. Chris also introduces the "infinite banking" concept, explaining how high performers can grow their money, protect themselves from downturns, and create generational wealth—without taking unnecessary risks.  If you're ready to take control of your financial future and make smarter decisions with your hard-earned money, this conversation will give you the clarity and confidence you've been missing. Listen now!  Today's Guest  Chris Naugle  Chris Naugle is a wealth strategist, author, and the nation's top expert in privatized banking and infinite banking strategies. A former professional snowboarder turned entrepreneur, he has built multiple businesses, managed millions in assets, and helped thousands rethink how they save, invest, and create long-term financial security by using simple, effective wealth-building principles.  Connect to Chris Naugle:  Website: ChrisNaugle.com   YouTube: Chris Naugle  X: Chris Naugle  Facebook: Chris Naugle    You'll learn:  Why most people follow broken financial advice without realizing it  How traditional banks profit while consumers stay stuck  Why liquidity, control, and safety matter more than high returns  How to protect your wealth from market volatility  Practical steps to start taking control of your financial future today   Chapters:  (00:00) Introduction  (02:26) Meet Chris Noggle: From Snowboarder to Money Mentor  (02:58) The Connection Between Financial and Physical Health  (04:43) Chris Noggle's Journey to Financial Freedom  (16:28) The Infinite Banking Concept Explained  (29:07) Understanding Inflation and Whole Life Insurance  (30:44) The Drawbacks of Whole Life Policies  (31:54) The Importance of Financial Discipline  (32:36) The Role of Technology in Financial Management  (37:02) The Psychology of Money and Personal Stories  (41:31) Chris's Personal Health Journey  (43:50) The Power of Giving and Mindset  (47:28) Building Healthy Habits and Routines  (52:31) Conclusion and Final Thoughts 

In this episode, we ask: Who is Frank Herbik? How did Marvin Bulas get started with Tim Austin? What does the concept of Bank on Yourself® focus upon? Do you rely on other outside financial sources? What requires self-discipline? How can you achieve your financial milestones without taking unnecessary risks? What about discipline and freedom? Have...

NASCAR star Kyle Busch is suing Pacific Life after losing millions in a complex index universal life (IUL) insurance strategy—and the lessons for physicians are huge. In this episode, Dr. Jimmy Turner and Justin Harvey break down what happened, why complexity and “trust-based” sales tactics so often burn high-income professionals, and how to protect yourself from misleading financial products and advisors. Whether you're a physician navigating insurance pitches, investment opportunities, or affinity-based recommendations, this real-world case is a must-listen.Join the MMM weekly update filled with exclusive content, lessons, discounts, and deals. Hits your inbox once each week. Click here to joint: https://moneymeetsmedicine.com/updateEvery doctor needs own-occupation disability insurance.  To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disabilityWant a free copy of The Physician Philosopher's Guide to Personal Finance?  Visit https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

x Mike and Sandra Fry uncover the truth behind the question many ask: Is whole life insurance a scam?   They reveal how whole life insurance, when used through the Infinite Banking Concept, can become a powerful financial tool for creating generational wealth.   Find out why so many misunderstand this strategy and how to use it to take control of your money.   Watch the 90-minute presentation here: https://bit.ly/tmm-podcast-ppt.   Send us an email at podcast@themoneymultiplier.com.   Watch the full recorded Infinite Banking Concept presentation here: https://bit.ly/tmm-podcast-ppt.   Explore our resources at https://linktr.ee/themoneymultiplier.

Have you ever wondered how the wealthiest people on earth think about life insurance and use it for their financial planning? Caleb Guilliams is joined by two legends in the industry, Kuldeep Madan and Tom Wall to discuss the ins and outs of working with ultra-high-net worth clients and how they utilize whole life insurance in their wealth creation and protection plans.Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewConnect with our guests: Tom Wall - https://www.tomwalltalks.com/ Kuldeep Madan - https://madanplus.com/______________________________________________ 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.

Snag Our Simplified Budget System!Today's episode is ripped straight from real coaching convos with our clients — because if they're dealing with it, chances are you are too. We're talking about a common money trap that shows up in more budgets than you'd think: whole life insurance.Spoiler alert: It's not a good investment.Not when you're paying hundreds a month, not seeing any return, and living outside your means just to keep it going.We break down:Why whole life insurance is rarely worth it (especially when your budget is tight)The difference between whole life and term life insuranceWhat to do if you've already been paying into a whole life policyHow to reorder your financial steps so you can actually build wealth (on your own terms)We're all about helping you avoid costly mistakes, feel seen, and walk away with quick wins. So whether you're paying $473/month into a policy that's draining you or wondering if your “life insurance” line item is doing anything for you — this one's for you.Remember: we want you to save, invest, and protect your family on purpose — and in the right order. Let's get that money back in your budget and get you back in control.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Join Nick Lamagna on The A Game Podcast with his guest Justin Donald, who Entrepreneur Magazine has named the Warren buffet of lifestyle investing.  He is an entrepreneur, investor, educator, #1 best-selling author and podcast host featured on all the major publications and platforms including USA today, Forbes and the Wall Street Journal. He started out cutting his teeth in sales through the knife company Cutco (No pun intended) it opened his eyes to the world of entrepreneurship coming from a blue-collar family where he out earned his parents' salary in a summer and things took off from there.  He officially retired for his first time at age 37 and realized sitting back sipping Mai Tai's was not in his DNA and went back to grind mode bigger and better than ever.  He has a wide array of experience in multiple asset classes including mobile home parks, private equity, self-storage, industrial and so many others.   He used these to build generational wealth on buying assets not, jobs that he has found through the relationships he has made with people he can share business and life with. He is now known worldwide through "The Lifestyle Investor" brand, Book, Podcast and Mastermind teaching us all how to take back your life and live on your terms mirroring his incredible achievement of running an 8-figure business on 15 hours a week!  He is a man of family, a man of faith and a wine connoisseur! Check the show links for a special gift from Justin for YOU! Topics for this episode include: ✅ Where should you begin your investor journey? ✅ How the average person can become financially free sooner ✅ How to protect personal relationships if a business deal goes wrong ✅ How to invest like the wealthiest investors ✅ How investors can avoid bad deals and losing money + More! See the show notes to connect with all things Justin!   Connect with Justin: Justin Donald on Facebook Justin Donald on Instagram Justin Donald on Threads Justin Donald On LinkedIn Justin Donald on Youtube Justin Donald on Twitter   Free Bonuses For Listeners: Free Wealth Course for The A Game Podcast Listeners! Free Strategy Session     Connect with The Lifestyle Investor: lifestyleinvestor.com --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers