Podcasts about Whole life insurance

In this episode of Beer and Money, Ryan Burklo, Alex Collins, and Mark SanGiacomo delve into the complexities of life insurance, discussing its various types, the importance of income replacement, and how to determine the right amount of coverage. They explore the differences between term and permanent insurance, including whole life and universal life policies, emphasizing the need for personalized financial planning. The conversation highlights the significance of understanding insurance products, their benefits, and potential drawbacks, ultimately guiding listeners towards making informed decisions about their financial security. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Life insurance is primarily about income replacement. Determining the right amount of insurance is crucial. Your most valuable asset is yourself and your income. Life insurance should fit into a broader financial plan. There are two main types of life insurance: term and permanent. Universal life insurance offers flexibility but has growing costs. Whole life insurance provides guarantees and stability. Policy dividends can enhance whole life policies but are not guaranteed. Understanding the terms of your policy is essential for long-term planning. Consulting with a financial professional is vital for making informed decisions. Chapters 00:00 Introduction to Life Insurance Types 02:52 Understanding Income Replacement and Coverage Needs 05:57 Exploring Life Insurance Products: Term vs. Permanent 08:50 Diving Deeper into Universal Life Insurance 12:00 Understanding Whole Life Insurance 15:06 Comparing Universal Life and Whole Life Insurance 18:00 The Importance of Professional Guidance in Life Insurance 21:03 Final Thoughts on Life Insurance Strategies  

EncycloMedia Series #30 - Indexed Dividend Option Rider In this installment we cover the Indexed Dividend Option Rider. As a policy owner, you have several options of what you can do with the dividend, one of which involves using your dividend with an index where you may gain, and you may lose.You should understand this option. Happy learning!To learn more about Dividend Options: EMS#04 Dividends - https://youtu.be/9qJQvc0hPg8?si=3jwPc2womD5Jc0ohWelcome 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

Visit our website: https://www.thewealthwarehousepodcast.com/Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Welcome back to another episode of Wealth Warehouse!This week, Dave and Paul are joined by Ryan Fleming, also known as "the Pilot's Advisor". Ryan is a Financial Advisor and holds a series 7 license, series 66 license, RICP, CRPC, and MBA. He is a 2001 graduate of the US Air Force Academy, a former Fighting Falcon's wide receiver, and retired Air Force C-17 pilot. He currently flies for FedEx and lives in SC on the lake with his wife Kari and their 2 kids.Ryan has been a Financial Advisor since 2008 and has worked primarily with commercial airline and cargo pilots helping them manage their portfolio and provide them a "safe landing" in retirement. You can find out more about Ryan and even order his Pilot's Advisor Toolkit from the websites here:https://retirepilots.com/http://ibc4pilots.com/Episode Highlights:0:00 - Teaser1:12 - Episode beginning3:01 - Background on Ryan5:39 - How Ryan began Infinite Banking7:57 - Why promote IBC instead of bonds?10:22 - Expanding on the tax situation for IBC19:25 - Sequence of returns risk24:54 - Survivor benefit and approaching retirement as a pilot36:31 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.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/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Myths, Mysteries & Misconceptions #24: Whole Life Insurance is Front Loaded with CommissionsMany people would have you believe that whole life insurance is a bad place to put money because of its front loading of commissions. Whole Life Insurance IS front loaded with commissions. So is EVERYTHING else. Think about it. When you buy a meal, you are paying for everything that it took to get the meal to you; all the way back to the start of well…everything. Understand this for yourself and you can take back control, and profit, from the banking function in your life, with Infinite Banking. There's more to this misleading idea than at “face value” (pun intended;)Let's clear this myth up!⚔️ LIVE & LEAVE A LASTING LEGACY ⚔️

Looking for the right whole life insurance company in 2025? We break down the major players in the participating whole life insurance market and discuss what makes each one unique. You'll learn which companies excel at cash accumulation and which ones focus more on providing affordable permanent death benefits. We cover over a dozen companies including Guardian, MassMutual, Northwestern Mutual, New York Life, Penn Mutual, and more. You'll discover why some companies are easier to work with than others and what product features matter most for your specific situation. We share insights based on years of experience reviewing policies and working with these companies directly. This isn't about ranking companies from best to worst. Instead, we explain how different companies serve different purposes and why the "best" company depends entirely on your goals. Whether you're interested in maximizing cash value growth or simply need permanent life insurance coverage, you'll gain valuable perspective on your options. We also discuss the importance of understanding that not all whole life policies are created equal. You'll learn why working with an experienced agent matters and how product design can dramatically impact your results. ______________________________ Ready to explore your whole life insurance options? Contact us to discuss which company and product design might work best for your specific situation and goals.

On this episode of the Inner Edison podcast, host Ed Parcaut chats with Eric Brotman, a seasoned financial advisor and entrepreneur, about his unconventional journey into the world of finance and the lessons learned along the way. Eric shares how a failed plan to become a lawyer led him by accident into finance, his entrepreneurial leap after starting over from scratch at age 30, and how adversity—like the 2008 recession—shaped his business and personal growth. Ed and Eric dive deep into the realities of entrepreneurship: the risks, the need for resilience, and the lessons that come from setbacks. Eric shares actionable insights on building financial independence, including practical strategies for tax diversification, the use of whole life insurance, and the importance of financial literacy for business owners and families alike. They also discuss Eric's philosophy behind his book, “Don't Retire… Graduate,” which challenges the conventional notion of retirement and encourages listeners to plan for a financially free and fulfilling next chapter. Along the way, the conversation covers mistakes, management missteps, innovations during the pandemic, and the value of aligning company culture for long-term success. Whether you're an aspiring entrepreneur or a seasoned business owner, this episode is packed with candid stories, practical advice, and a refreshing perspective on success, failure, and building a life (and business) you love. Listen now to get inspired, learn, and grow from real-life “Edison moments” with Ed Parcaut and guest Eric Brotman! **Contact Ed Parcaut:** -

In this eye-opening episode of the Jake & Gino podcast, Gino flies solo to interview Chris Miles, founder of Money Ripples, cashflow expert, and former financial advisor turned passive income evangelist. Together, they pull back the curtain on the real problems with traditional retirement planning—and how most people have been brainwashed into believing the 401(k) is their only path to freedom.Chris reveals how he escaped the rat race at just 28 years old by ditching accumulation and embracing cash flow-focused investing. He shares why the FIRE movement gets it wrong, how financial advisors are incentivized to sell—not serve—and why real estate, hard money lending, and infinite banking may offer far better alternatives.Whether you're tired of the "set it and forget it" retirement advice or you're simply looking to build wealth that works now, this episode delivers practical insights and controversial truths.Connect with Chris Miles:https://www.moneyripples.comListen to the Money Ripples Podcast wherever you get your podcasts.Topics Discussed:Why the 401(k) was never meant for the average person The myth of the 4% rule (and why it's actually 2-3%) What most millionaires still worry about in retirement How to escape the saver-scarcity mindset The problem with the FIRE movement and mutual funds Cash flow investing vs. equity-focused investing Building your financial network and foundation Why Chris prefers whole life insurance, real estate, and lending Subscribe for weekly insights on wealth, mindset, and multifamily investing from the Jake & Gino Network.Chapters:00:00:00 - Introduction  00:06:04 - Why Traditional Retirement Advice Failed Chris' Dad  00:07:28 - The Myth of the 4% Rule and FIRE Movement Critique  00:12:28 - Are You Living in Financial Fear? Emotional Ties to Money  00:18:23 - Breaking Intergenerational Money Patterns  00:25:30 - The System Is Broken. Follow the Money  00:30:55 - How to Build a Real Financial Foundation  00:37:20 - The Best Vehicles for Wealth Building in 2025  00:40:47 - Why Equity Is Great, But Cash Flow Is King  00:43:23 - Raw Land, Oil & Gas, and Other Income-Producing Vehicles  00:47:40 - Connect with Chris Miles  00:48:13 - Gino Wraps it Up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

You face a critical decision when designing whole life insurance: optimizing for death benefit or maximizing cash value accumulation. These two objectives sit on opposite ends of the spectrum, and trying to balance them often means you don't accomplish either goal effectively. We break down the fundamental trade-offs you need to understand before purchasing a policy. If you want permanent death benefit at the lowest possible cost, you'll sacrifice cash value growth in the early years. If you're focused on building cash value for infinite banking or as an asset, you'll need to minimize the death benefit to maximize your returns. You'll learn how to evaluate cash-focused policies by examining key metrics like the percentage of premium going to paid-up additions and first-year cash value percentages. We also explain why front-loading strategies often backfire with whole life insurance and when universal life might be a better option for lump sum deposits. The marketplace for strong cash-building whole life policies is extremely small, with only a handful of quality companies offering these products. We discuss why choosing an obscure insurer just to accommodate an unusual funding strategy could be a costly mistake when you're making a decades-long commitment. Since you can't purchase whole life insurance directly from insurance companies, you'll need to work with an agent you trust. We explain why understanding every aspect of whole life design isn't realistic for most buyers and how to find professionals who can guide you through the process. __________________________- Ready to explore your whole life insurance options? Contact us today to discuss which design approach aligns with your specific goals and financial situation.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs saving your age with a backdated participating whole life insurance policy really the smartest financial move—or could it cost you more than it saves?If you've ever considered using participating whole life insurance for wealth preservation, you've likely heard about backdating to lock in a younger age. But what if that age-saving strategy means compromising your cash value in the short term—or worse, limiting your ability to fund the policy fully? Whether you're starting a corporate-owned participating whole life insurance policy or planning for long-term estate growth, the funding strategy you choose can make or break your outcome.In this episode, you'll discover:How backdating a policy by 6 to 12 months affects both cash value and death benefit over time.Why saving age isn't always worth it—especially if you can't max fund in year one.When a backdated policy makes sense, particularly for those with a large upfront lump sum to contribute.Press play to learn how to structure your life insurance strategy for maximum flexibility, long-term value, and alignment with your wealth goals.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Financial freedom in Canada takes more than income — it takes strategy. Whether you're a seasoned entrepreneur, high-earning professional, or building wealth through real estate, mastering the four phases of a healthy financial plan is non-negotiable. This podcast unpacks the smartest Canadian tax strategies, corporate structuring moves, and investment tactics that create lasting wealth. From optimizing RRSP room and leveraging real estate to balancing salary vs dividends and planning your legacy, we focus on actionable insights tailored for busReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode, host Jenn Foster is joined by Certified Financial Planner and three-time bestselling author Mark Willis. They dive into the world of smart investing, future planning, and the unique financial hurdles that entrepreneurs and real estate investors face. Mark shares his journey from mowing lawns as a kid to guiding business owners toward financial security, and he unpacks strategies for thinking differently about money—beyond traditional 401(k)s and mutual funds. You'll hear practical questions every business owner should ask before investing, explore how specially designed whole life insurance policies can become powerful financial tools, and learn why thinking critically about your money's purpose is key. Plus, Mark gives a sneak peek into his new book, "The Business Fortress," and offers hands-on advice for building a rock-solid business foundation.

Reacting to Dave Ramsey vs a whole life insurance agent. 00:00 Introduction00:21 Whole Life Insurance Debate03:04 Whole Life Insurance vs. Term Insurance06:53 Lesson 101 - Dave Vs Elliot08:45 Dave Ramsey's Critique of Whole Life Insurance11:40 Evaluating Cash Value and Returns in Life Insurance18:40 Does Whole Life Insurance Make Sense?22:41 Conclusion and Final ThoughtsWant 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______________________________________________ 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.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIf you're a Canadian business owner juggling retained earnings, long-term growth, and real estate goals, this episode unpacks a real-world strategy you can't afford to miss. Discover how an Ontario chiropractor used a corporately owned whole life insurance policy not just for protection—but to fast-track a major real estate purchase ahead of schedule.Here's what you'll take away:How to build and leverage a corporate wealth reservoir to fund opportunities like property ownership.Why maintaining liquidity can keep your business flexible during emergencies and unexpected investments.A smart structure for blending policy loans and mortgages to optimize tax efficiency and long-term returns.Press play now to learn how a proactive wealth strategy can help you stay ready for opportunity—and never caught off guard.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In today's evolving financial landscape, Canadian entrepreneurs—especially professionals like those in the chiropractic business—are increasingly leveraging whole life insurance as a cornerstone of corporate wealth planning. This powerful tool helps build a corporate wealth reservoir that enhances liquidity, enabling strategic moves such as real estate investing Canada-style, all while maintaining tax efficiency. By integrating this approach into a broader Canadian wealth plan, business owners can optimize financial buckets, implement retirement planning tools, and align personal vs corporate tax planning for long-term success. Whether you're focused on capital gains strategy, RRSP optimization, or corporate structure optimization, the right investment strategy can support financial freedom Canada, a modest lifestyle wealth outlook, andReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode, Stephen Schmidt interviews Erica Neal, an expert in finance and the infinite banking concept. Erica shares her journey from a low-income background to becoming a finance professional and entrepreneur. She explains the principles of infinite banking, how it allows individuals to become their own bank, and the advantages of using whole life insurance policies for cash flow and investment strategies. The conversation also covers the differences between whole life and indexed universal life insurance, the importance of avoiding modified endowment contracts, and the role of life insurance in a comprehensive financial plan.   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   —--------------------

EncycloMedia Series #29 Child Benefit RiderIn this installment we cover the Child Benefit Rider and how it relates to infinite banking.The proper structuring of a policy for the implementation of Infinite Banking may include a Child Benefit Rider. This rider can allow for more protection now, future convertibility to additional whole life policies and thus augment the scale of a private banking system. 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 ⚔️

Want Front Loaded Whole Life Insurance? 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.

Are you tired of hearing the same old debate about term versus whole life insurance? In this episode, we cut through the noise and reveal why whole life insurance might be the wealth preservation tool you've been overlooking. We explore how successful business owners and high earners use life insurance to protect their assets from market volatility and create guaranteed growth. You'll discover why comparing term and whole life insurance on cost alone is like comparing a Honda to a Rolls-Royce—they're both vehicles, but built for entirely different purposes. We break down the real-world applications of whole life insurance, from creating liquidity during income fluctuations to simplifying wealth transfer after death. Learn how life insurance can provide tax-free distributions, guaranteed accumulation, and protection from economic downturns that other financial instruments simply can't match. We also address the time factor—when you can expect to see positive returns and why patience pays off with this strategy. Whether you're looking to diversify beyond your business, protect generational wealth, or ensure your family avoids probate nightmares, this episode gives you the straight facts about using life insurance as a financial tool. _____________________________ Ready to explore if whole life insurance fits your wealth preservation strategy? Contact us today to discuss your specific situation and see how we can help you build a more secure financial future.

Bryan Jepson MD and CFP, author of The Physician's Path to True Wealth: 12 steps to gaining control over your money and your time – you can find it on Amazon and at this website for free Bryan Jepson MD, CFP® | physician financeDisclaimers:This is not specific financial advice, this is general education. Talk with your own advisor or schedule with Bryan to get specific advice The easiest, most straightforward way to start creating assets is to invest in your 401kDebt to fund a liability is bad debt, it takes money out of your pocketDebt that leads to more money in your pocket is good debt, but this requires wisdom in choosing your degree and education pathThere are a couple of methodologies to pay off debt, the snowball method vs the avalanche method. Snowball goes smallest debt to largest. Avalanche goes from highest interest to lowest interest. Use the one that will actually work for YOU and will make you be consistentThe 4% rule: generally, when you can live off 4% of your investments per year, you have enough for retirementSo, if you need 100K to live off in retirement, you need 2.5 million in investmentsWhy does everyone need a will? If you have kids, it allows you to designate a guardian should you die. It also allows you to allocate where your assets goWhat is the importance of giving away money?Giving can be looked at through a couple different lenes. When you give, you are blessed in return. Or maybe you can view it as good karmaBryan talks about how relationships are an important aspect of life and giving allows for meaningful relationships with something you value. Donate money but also your timeWhen you are rich, you don't have the cushion to give. When you are wealthy, you have the ability to give to othersFinance is simple but not easy because you need discipline. You don't have to get far into the weeds to be successfulBryans book has the foundation you need to understand financeBryan talks about the difference between a financial advisor and a certified financial planner Bryan gives his opinion on whole life insurance vs term insuranceSupport the showFull show notes can be found here: Episodes - Practical EMS - Content for EMTs, PAs, ParamedicsMost efficient online EKG course here: Practical EKG Interpretation - Practical EMS earn 4 CME and learn the fundamentals through advanced EKG interpretation in under 4 hours. If you want to work on your nutrition, increase your energy, improve your physical and mental health, I highly recommend 1st Phorm. Check them out here so they know I sent you. 1st Phorm | The Foundation of High Performance Nutrition Everything you hear today from myself and my guests is opinion only and doesn't represent any organizations or companies that any of us are affiliated with. The stories you hear have been modified to protect patient privacy and any resemblance to real individuals is coincidental. This is for educational and entertainment purposes only and should not be taken as medical advice nor used to diagnose any medical or healthcare conditions.

EncycloMedia Series #28 Human Life ValueIn this installment we cover the topic of human life value and how it relates to infinite banking.Everyone is limited on how much insurance one can have. This makes the proper structure of individual policies, and their addition into a system of policies, all the more important.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 ⚔️

In this lively and eye-opening conversation, Tiffany sits down with LaDarris Hunt, a seasoned life insurance expert, to break down the basics—and the big differences—between term and whole life insurance. Whether you think you've heard it all before or you're just now considering coverage, this episode covers what you really need to know about protecting your loved ones, building generational wealth, and making the smartest insurance choices for your life stage.What You'll LearnWhat is Life Insurance, Really?LaDarris defines life insurance in simple terms: it's all about transferring risk from you to the insurance company so your loved ones are protected financially if the unthinkable happens.Term vs. Whole Life Insurance, DemystifiedLearn the fundamental differences:Term life: Like renting coverage—good for set periods; great for providing income replacement while you have big financial responsibilities.Whole life: A permanent policy with a guaranteed payout; builds cash value and is best for final expenses or leaving a legacy.Who Needs What—And WhenTips on which type of policy might fit you best at different life stages, whether you're a single young adult, a new parent, or nearing retirement.Cash Value: The Good, the Bad, and the TruthLaDarris debunks some common confusion about cash value in life insurance—especially what whole life policies can (and can't) do for you.Why Your Insurance Carrier MattersAn eye-opening story highlights the real-world impact of choosing a mutual company versus a stock company, especially in historically underserved communities.The Power of Working With an Independent AgentFind out why shopping around—rather than sticking with a single carrier—can make all the difference for your family's financial future.Connect with LaDarris HuntWebsite: https://ladarrishunt.com/Connect with TiffanyWebsite: https://moneytalkwitht.comFollow Tiff on all platforms: @moneytalkwithtDon't ForgetIf you enjoyed this episode, make sure to subscribe and tune in every Thursday for the latest practical money lessons, personal finance tips, and candid conversations!

In this episode of the Wade Borth Podcast, Wade dives deeper into the often-misunderstood concept of Infinite Banking. Instead of overwhelming listeners with financial jargon, he reframes the conversation using a more approachable framework: the Four Stages of Whole Life Insurance. From becoming a disciplined saver to evolving into a true Infinite Banker, Wade explains how each stage builds more control, clarity, and confidence in your financial journey. Whether you're just getting started or looking to expand your financial ecosystem, this episode offers clarity, encouragement, and a practical path forward.   Episode Highlights 01:30 - The Four Stages of Whole Life Insurance 02:12 - Infinite Banking: A Small Subset's Journey 02:32 - Becoming: Essential Part of Financial Control 03:39 - Importance of Savings Strategy 05:06 - Whole Life Insurance Benefits 06:02 - Misclassification of Financial Assets 06:20 - Debt Control vs. Debt Control Over You 07:04 - Wealth Building Strategy 08:09 - Difference Between Chaos and Opportunity 14:32 - Understanding Life Insurance Contracts 14:59 - Small Shifts, Lasting Change   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  wade@sagewealthstrategy.com  

EncycloMedia Series #27 Limited Pay PoliciesIn this installment we cover limited pay policies.10 pay, 20 pay, paid up to 70… There are several types of limited pay policies and you should understand the characteristics of each, particularly for implementing infinite banking.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

I challenge James Conole on the idea of whole life insurance as a bond alternative in retirement. Watch the Full Interview Here: https://youtu.be/72XrXWkksUw Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault ==================== 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.

On this week's Ask Farnoosh, we tackle a fresh round of your money questions, including:Is whole life insurance ever worth it?What are the smartest (and most affordable) ways to invest in your health?How to job-hunt effectively with a PhD in hand and limited prospects.But first, Farnoosh recaps top stories in money news, from Trump's push to include crypto in 401(k)s, to the surprising rise in early Social Security claims, the falling dollar, and a rare bright spot: more Americans are finally hitting their retirement savings goals.Join the So Money Members Club.Download Farnoosh's free investing blueprint.Hang out with Farnoosh on Instagram.

In this episode of The Wade Borth Podcast, Wade wraps up his deep dive into the eight key benefits of whole life insurance. Building on Part 1, he explores how privacy, tax-free death benefits, guaranteed monthly cash value growth, and income statement improvements make this asset a powerful tool for long-term financial confidence. If you've ever viewed premiums as a burden, this conversation may flip the script—showing how whole life insurance aligns with your values and financial goals to serve you for life.   Episode Highlights 01:45 - Understanding the multiple benefits of whole life insurance. 02:19 - Keeping money in your own financial ecosystem. 03:47 - Liquidity in times of financial stress. 05:38 - Privacy of whole life insurance contracts. 07:40 - Income tax-free death benefits. 10:48 - Guaranteed growth of cash value. 12:00 - Importance of starting early with whole life policies. 14:13 - Whole life insurance as part of a diversified financial strategy.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  wade@sagewealthstrategy.com  

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---Sign up for the ⁠⁠Rich Habits Newsletter⁠⁠ and join 52K+ like minded investors in receiving weekly market updates, ⁠⁠click here!⁠⁠---

Jesse answers a range of listener questions on topics including estate planning, life insurance, financial benefits of marriage, tax strategies for high earners, healthcare in retirement, and investing during economic uncertainty. He explains that heirs to traditional IRAs must pay income tax on withdrawals, while taxable accounts benefit from a step-up in basis, and argues that whole life insurance is generally a poor investment choice for most people. He outlines how married couples enjoy more financial advantages due to shared costs, tax benefits, and retirement perks, though singles benefit from greater autonomy. A high-earning listener weighing Roth versus traditional retirement contributions is advised to consider tax-bracket arbitrage in retirement or hedge with a 50/50 split. Jesse also dives into healthcare planning, covering employer plans, HSAs, COBRA, ACA subsidies, and Medicare, while stressing the complexity and importance of planning for long-term care. On investing, he cautions against trying to time recessions and emphasizes aligning investment strategies with individual goals, risk tolerance, and time horizons. Key Takeaways:• Traditional IRAs require heirs to pay income tax on withdrawals within 10 years, but this is deferred tax, not a penalty. • Whole life insurance is generally more expensive and offers lower returns than term insurance plus independent investing. • Married couples often benefit financially from economies of scale and joint tax advantages. Single individuals have greater financial control and simpler planning but may miss out on some systemic benefits for couples. • Healthcare planning is a critical but often overlooked aspect of retirement financial planning. Jesse discusses ACA, COBRA, and HSAs. • Short-term market volatility can be misleading; experiencing real losses helps build long-term investing discipline. • Selling stocks to avoid recession dips is risky because market recoveries often precede economic improvements, resulting in missed gains. Key Timestamps:(00:00) Question 1: Whole Life Insurance (17:47) Question 2: Financial Pros and Cons of Being Single vs. Married (27:19) Question 3: Roth vs. Traditional Accounts (37:54) Question 4: Planning for Healthcare Costs in Retirement (42:31) Maximizing HSA Growth with a Strategic Loophole (45:08) COBRA and ACA for Early Retirees (53:48) Medicare: Breaking Down the Basics (01:03:02) Question 5: Investment Strategies During Economic Uncertainty Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/is-benefits-hacking-genius-or-immoral/ Deep Risk: How History Informs Portfolio Design by William J. Bernstein More of The Best Interest:Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

In this episode of The Wade Borth Podcast, Wade kicks off a two-part series diving deep into the eight powerful benefits of whole life insurance. From guaranteed death benefits and constant compounding to unmatched liquidity and flexible loan provisions, Wade breaks down how this often-misunderstood asset can bring certainty, control, and long-term value to your financial life. If you've ever questioned the real purpose of whole life insurance—or just want to think differently about money—this episode is for you   Episode Highlights 03:12 - Life insurance: guarantees and certainty 06:04 - The “liquidity contract” concept explained 08:23 - The advantage of constant cash value increase 11:18 - Understanding bank strategies: savers vs. borrowers 14:07 - Power of liquidity in whole life insurance 16:54 - The flexible loan provisions benefit 19:00 - Importance of treating your own money well   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  wade@sagewealthstrategy.com  

In this conversation, Gary Sund shares his extensive experience in real estate and finance, focusing on how life insurance can be utilized to manage and pay off debts. He discusses various strategies, including leveraging family loans and the importance of securing life insurance policies to protect financial obligations. The discussion also touches on the significance of financial education and the need for comprehensive planning in real estate investments. 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   —--------------------

Do you have life insurance? Which is better? Term or whole life insurance? This video highlights the pitfalls of whole life insurance and the best type of life insurance for you and your family. Learn why whole life insurance is a bad buy.

EncycloMedia Series #26 Non-Forfeiture OptionsIn this installment we cover the Non-Forfeiture Options, as it concerns Whole Life Insurance, for the purpose of Infinite Banking. When you decide to implement infinite banking in your life, you should understand the certainty, constraints, flexibility, options and much more of the asset, a whole life insurance policy, that you own. This material will cover these options.

Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Whole Life Insurance? Schedule a Call Here: https://bttr.ly/aa-yt-clarity Learn More About the And Asset: https://bttr.ly/andasset 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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

When we first started talking about estate planning with life insurance, it was because we saw a massive disconnect in how families were thinking about their wealth. Not just the numbers. But the purpose behind it. https://www.youtube.com/live/sqVXY199ygQ Bruce and I were in the middle of one of our deeper conversations—talking through how most people think life insurance is just a “check the box” kind of thing. They get the policy, set up a will or trust, and assume their family is covered. But what they haven't thought through is how that money will be used. What it's meant to fund. What kind of mindset or framework their children need to carry it forward well. Bruce said it best in the episode: “You've got a bunch of people out there who are trying to do the right thing—but they're buying the wrong tool for the job. Or they're leaving out the whole reason they got it in the first place: to provide for their family in a way that actually works.” And that's what this article is about. This isn't just about life insurance. It's about using the right kind of policy inside an estate plan that's built for generations, not just legal compliance. It's about creating a strategy that protects your wealth and prepares your children. It's about designing a legacy—on purpose. What Is Estate Planning with Life Insurance—and Why Does It Matter?Why Estate Planning with Life Insurance Creates Immediate LiquidityWhole Life Insurance vs. Universal Life: Why Guarantees MatterUsing Life Insurance to Offset Estate Taxes and Preserve WealthPassing on More Than Money: Embedding Stewardship Into the PlanDesigning Your Policy Without Triggering a MECWhen Estate Planning with Life Insurance Is Part of a Bigger VisionWhat the 2026 Estate Tax Sunset Means for Your FamilyWhat Is an ILIT—and Why You Might Need OneQuick-Start Checklist: How to Begin Estate Planning with Life InsuranceFinal Thoughts: Don't Let the Opportunity Slip AwayWant Help Designing Your Legacy Strategy?Book A Strategy Call What Is Estate Planning with Life Insurance—and Why Does It Matter? Estate planning with life insurance is one of the most overlooked but powerful ways to ensure your family is protected, your assets are preserved, and your values are carried forward with intention. It's not just about paying estate taxes or transferring wealth efficiently. Done right, it gives your heirs time, options, and guidance. It replaces financial panic with peace of mind. And it makes sure that what you've built doesn't just last—it multiplies. If you have real estate, a business, investments, or a vision for generational wealth, this is a conversation you cannot afford to postpone. Why Estate Planning with Life Insurance Creates Immediate Liquidity Here's what most people don't realize: When you pass away, even if your estate is “in order,” your heirs may be stuck needing to pay estate taxes within nine months. If your wealth is tied up in real estate, private equity, or business holdings, your family might be forced to sell those assets at a loss—just to pay the bill. That's where life insurance for estate taxes becomes mission-critical. With a guaranteed death benefit, whole life insurance creates instant liquidity—giving your family the cash they need to cover expenses, hold onto appreciated assets, and stay out of financial distress. In the episode, Bruce shared, “The beauty of this strategy is that it gives you certainty. And certainty is a gift—especially when the world is reeling from loss.” This is what makes estate planning with life insurance such a foundational part of a healthy, functional legacy plan. Whole Life Insurance vs. Universal Life: Why Guarantees Matter Not all life insurance is built to withstand the test of time. Bruce and I have reviewed countless policies that looked good on paper—but were designed with the wrong product. Universal Life policies may seem attractive because of ...

“Most peoples' understanding of life insurance comes from someone else's misunderstanding”Bad inputs lead to bad outputs. For many people, bad input stems from Dave Ramsey. In this episode, we provide a thorough analysis of Dave Ramsey's erroneous claims about whole life insurance, addressing fundamental flaws in his understanding of the concept of cash value. The discussion centers on a recent Dave Ramsey Show clip where he dismisses whole life insurance as a poor financial tool, providing blanket financial advice without a single exploratory question about the caller's personal situation.Hans and Brian methodically break down each of Ramsey's claims, offering point-by-point rebuttals backed by real-world illustrations and actuarial principles. They explore how a proper understanding of insurance mechanics reveals a very different picture than what Ramsey presents to his audience.Through detailed policy illustrations and clear explanations, the episode demonstrates why whole life insurance is an invaluable financial tool when properly understood and structured, especially for those interested in multi-generational wealth planning.The Cash Value Misconception: The fundamental understanding of cash value presented by Dave Ramsey is fatally flawed. The episode explains that cash value is not a separate savings account that the insurance company "keeps" upon death, but rather the net present value of your future death benefit.Real Policy Illustrations: An actual policy illustration debunks the claim that "they keep your cash value when you die." The example shows how a policyholder can withdraw significantly more than they contributed while still maintaining a substantial death benefit for their heirs.The Value Beyond Rate of Return: The narrow focus on rate of return when evaluating whole life insurance misses the point. Not only is Dave's internal rate of return analysis demonstrably wrong, but it ignores numerous other returns and valuable contractual rights inherent to the whole life contract.Legacy Planning vs. Self-Focus: A multi-generational wealth approach contrasts with a more limited retirement-focused perspective, highlighting how properly structured life insurance can ensure wealth transfers efficiently across generations rather than forcing each new generation to "start over."▶️Chapters:00:00 - Welcome to Remnant Finance01:00 - Life Updates and Moving Challenges 04:00 - Dave Ramsey's Take on Whole Life Insurance 08:00 - Analyzing Term vs. Whole Life Cost Comparison 12:00 - Debunking Dave's Cash Value Claims 17:00 - Misunderstanding Cash Value as a Separate Account25:00 - Explaining What Cash Value Actually Is 31:00 - Using the "Altitude" Analogy for Cash Value 42:0 - Illustration of Actual Policy Performance 49:00 - Legacy Planning vs. Self-Focused Retirement 55:00 - Compensation Models: Commissions vs. Asset Management Fees 01:02:00 - Dave's Lack of Understanding About Infinite Banking 01:09:00 - Final Thoughts on Making Informed Financial DecisionsGot Questions? Reach out to us at info@remnantfinance.com or book a call here!⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Send us a textOn the latest episode of The Get Ready Money Podcast, Charlene Cong guest hosted and we spoke about changing the way we think about whole life insurance. In this episode we discussed:Why whole life insurance is not an investment.Common misunderstandings when people purchase whole life insurance.Whole life insurance is a long term insurance contract that is illiquid with high surrender charges for the first few years. How life insurance policy loans work. More suitable financial options for young people.Why you can't be your own banker. Connect with Charlene Cong:Website (website)  www.charlenecong.comFinFit GmbH Website: www.finfitsolution.comLinkedIn (LinkedIn)Instagram (Instagram) Resources:Budgeting and Spending Template (free): (here)Investment Masterclass: (here)Youtube (here) https://www.youtube.com/@CharleneCongPodcast:Charlene's Podcast (YouTube) Bio: Charlene H. Cong, CFA, is the founder of FinFit GmbH, a finance and investment educator, podcaster, and YouTuber. With over 10 years of experience in the banking industry, including a tenure at JPMorgan Asset Management, she is a Chartered Financial Analyst based in both Hong Kong and Switzerland. Charlene is an Executive Board Member of the Swiss Capital Market Forum. Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereHow soon can you actually use your high early cash value participating whole life insurance policy to invest? Days, months or YEARS?If you're an ambitious real estate investor or incorporated business owner in Canada, you've likely heard about permanent insurance as a wealth-building tool. But the big question is: can you access your capital fast enough to make it worth it—especially when new opportunities are knocking? This episode unpacks that exact scenario and clears up one of the biggest misconceptions that might be keeping you on the sidelines.Listen in to discover:Exactly how soon you can leverage high early cash value permanent insurance for investingHow backdating your policy could double your cash value access right out of the gateThe smart way to balance short-term opportunity with long-term wealth growth—even if you're just startingHit play now to find out how to unlock capital quickly from your insurance policy—so you can stop missing opportunities and start multiplying your wealth.If you're a business owner ready to move from asset accumulation to tax-optimized wealth building, hit play now—this episode lays out the roadmap.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyleif you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In this client case study, we explore how a Canadian business owner leveraged a high early cash value permanent insurance policy as part of their broader wealth building and financial planning strategy. By using corporate assets to fund a participating whole life insurance policy, the client was able to access a portion of the cash value within weeks, allowing them to reinvest in a real estate opportunity—demonstrating the powerful intersection of inReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode of the Wade Borth Podcast, Wade dives into the power of mutual insurance companies and why ownership matters. He breaks down common misconceptions about life insurance, highlights the difference between mutual and stock companies, and explains how clarity, certainty, and long-term thinking can relieve financial pressure. If you are seeking more control, freedom, and security in your financial life, this conversation is for you. Episode Highlights 00:21 - Clarifying financial misconceptions. 01:29 - Empowering people through mutual insurance. 02:29 - Why mutual insurance companies benefit policyholders. 03:45 - Historical roots of mutual insurance companies. 04:48 - Difference between mutual and stock insurance companies. 07:10 - Long-term focus of mutual companies vs. short-term of stock. 09:41 - Certainty and exit strategy with whole life insurance. 11:01 - Venture capital influence on stock insurers. 12:10 - Dividends vs. Wall Street-driven interests. 13:52 - Importance of understanding your insurance products. 14:46 - Encouragement for thoughtful financial discussions.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ wade@sagewealthstrategy.com 

EncycloMedia Series #25 PUA RiderIn this installment we cover the Paid Up Additions Rider.When you decide to implement infinite banking in your life, you must answer the question of which entity you will use. Once you arrive at choosing a properly structured whole life insurance policy from a mutual company that pays dividends, a key element of this policy will be the paid up additions rider. I would suggest that you understand it and understand it well.Enjoy this exposure to these topics and feel free to dive deeper in our other Series' or have a consultation call for clarification. 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 ⚔️

Send us a textTerm vs. Whole Life Insurance: Which is Right for You?In this episode of 'The Retire Early Retire Now' podcast, host Hunter Kelly, a certified financial planner, focuses on the importance of life insurance for high-income earners. Hunter discusses the differences between term life and whole life insurance policies, providing insights into which option might be more suitable based on individual circumstances. He highlights the affordability and flexibility of term life insurance, especially for young professionals, while acknowledging certain scenarios where whole life insurance could be beneficial. Hunter also touches on the financial implications, potential tax benefits, and strategic planning around choosing the right policy. Listeners are encouraged to assess their own needs and consult financial or insurance professionals for personalized advice. The episode is educational and offers practical guidance on maximizing and protecting wealth through appropriate life insurance choices.00:00 Introduction to the Podcast00:14 The Importance of Life Insurance02:18 Understanding Term Life Insurance07:21 Exploring Whole Life Insurance13:43 Comparing Term and Whole Life Insurance16:02 Special Considerations for Life Insurance17:22 Conclusion and Contact InformationCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

In this episode of The Color of Money, we sit down with David Zapata to unpack the misunderstood world of life insurance—and the immense financial potential hiding in whole life policies.  From losing his mother in Colombia to building a financial education company in the U.S., David Zapata has lived the kind of story that redefines how we think about money, legacy, and protection.We explore the difference between term and permanent coverage, why savings (not income) is the real problem for most Americans, and how the wealthy use whole life insurance to build liquidity, fund opportunity, and leave a legacy.David breaks down how whole life insurance offers guaranteed growth, liquidity, and borrowing power—making it a living asset rather than just a safety net. He shares real-life examples, frameworks for savings strategy, and why most Americans are thinking about life insurance all wrong.Whether you're a business owner, investor, or just someone looking to build a strong financial foundation, this episode offers a crash course in rethinking risk, wealth, and what it really means to protect your future.Resources:Learn how to build Tough Money and about the Tough Money EffectLearn more about Factum FoundationsGet in touch with David at factumfinancial.comLearn more at The Color of MoneyBecome a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @bomenkitiFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

Join Jake and Gino as they dive deep into the Pantheon Holistic Wealth Strategy with special guest Dave Wolcott—Marine Corps veteran, wealth architect, and founder of Pantheon Investments. This episode explores the mindset of the ultra-wealthy, tax-advantaged investing, infinite banking, virtual family offices, and the power of building legacy wealth intentionally. If you're tired of chasing dollars and want to learn how to truly multiply your time, capital, and impact—this episode is your blueprint.Grab Dave's book for FREE: https://www.holisticwealthstrategy.com Chapters:00:00 - Introduction  01:20 - What Defines the Ultra Wealthy  06:19 - Dave's Origin Story: From Marines to Multiplying Wealth  09:55 - Traditional Financial Planning vs. Strategic Wealth Building  15:52 - Taxes as an Opportunity, Not a Burden  29:28 - The Private Markets vs. Blue-Chip Stocks  38:29 - Refi and Roll: Jake & Gino's Real-Life Experience  48:07 - Gino Wraps it Up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Imagine sitting in a room full of financial professionals, entrepreneurs, and thought leaders, all gathered with a shared mission—to gain clarity, deepen understanding, and refine strategies for implementing Infinite Banking. That's exactly what happened at the Nelson Nash Institute Think Tank 2025, and today, we're sharing the most impactful takeaways with you. https://www.youtube.com/live/qTqZo7AvS88 Bruce and Becca just got back from this annual gathering, where the best minds in Infinite Banking come together to ensure that Nelson Nash's legacy remains strong and relevant. I (Rachel) wasn't able to attend in person this year, but listening to their insights and stories makes me even more eager to go in the future. If you've ever wondered how to simplify the Infinite Banking Concept (IBC) and use it effectively in today's financial climate, you'll want to read on. What is the Nelson Nash Institute Think Tank? And Why Does It Matter?1. Do Simple Better2. Think Long Range and Don't Be Afraid to Capitalize3. Don't Do Business with Banks4. Differentiate Between the Process and the Product5. The Role of Whole Life Insurance vs. IUL (Indexed Universal Life)Take Control of Your Financial FutureBook A Strategy Call What is the Nelson Nash Institute Think Tank? And Why Does It Matter? If you're not familiar, the Think Tank is an annual conference hosted by the Nelson Nash Institute (NNI). It's designed for authorized practitioners, students of Infinite Banking, and selected clients who want to understand the deeper nuances of IBC. It's not just a networking event—it's a mastermind of like-minded individuals dedicated to financial autonomy. Nelson Nash started this event over 20 years ago as a way to keep the message pure—to prevent the Infinite Banking Concept from being diluted or sensationalized. Unfortunately, we see confusion in the marketplace today, with different variations of Infinite Banking being promoted under flashy names like “accelerated banking” or “infinite wealth systems.” The Think Tank exists to bring clarity and help authorized practitioners share the true power of Infinite Banking with their clients. Here's what we learned this year: 1. Do Simple Better One of the key messages from this year's Think Tank was keeping the concept simple. Too often, people overcomplicate Infinite Banking, adding unnecessary complexity that confuses clients. One common example? The language we use. Bruce pointed out a pet peeve of his—calling policy premiums “deposits.” Some advisors use this terminology because they think clients will shut down if they hear the word “premium.” But this causes confusion. A premium is not a bank deposit. It's a strategic payment into a life insurance policy that provides long-term benefits. When we use clear, honest language, we empower people to make informed decisions. The key takeaway: Clarity leads to confidence. If you want to succeed with Infinite Banking, simplify the process, use the right terminology, and avoid unnecessary complexity. 2. Think Long Range and Don't Be Afraid to Capitalize One of the biggest mistakes people make with Infinite Banking is short-term thinking. Nelson Nash emphasized the importance of capitalization—funding your policy properly so you can reap the benefits later. At the Think Tank, Bruce and Becca discussed the trend of minimizing base premiums to maximize early cash value. While this might seem attractive at first, it contradicts the foundational principles of IBC. A well-funded policy—one with an appropriate base premium—is what creates sustainable, long-term growth. Becca shared a powerful insight: “Your behavior matters more than the product.” The Infinite Banking Concept isn't just about whole life insurance—it's about how you use it. If you're not willing to think long-term and capitalize your system, you won't see the full benefits. 3. Don't Do Business with Banks

Whole Life Insurance is widely misunderstood, yet for billionaires and family offices, it's a powerful tool for long-term financial security.While most people see life insurance as an expense, the wealthy use Whole Life Insurance as a financial foundation—one that offers liquidity, tax-free growth, and a guaranteed rate of return.In this episode, Caleb Guilliams, founder of BetterWealth, joins me to break down the real benefits of Whole Life Insurance—and how to use it the way the wealthy do.We discuss why most policies are structured incorrectly, the biggest mistakes to avoid, and why banks and billionaires hold massive amounts of Whole Life Insurance as part of their asset allocation strategy. In This Episode, You'll Learn:1.) Why Whole Life Insurance isn't an investment—and how the wealthy use it to build lasting financial security.2.) The truth about Whole Life Insurance—the key benefits, hidden pitfalls, and the biggest misconceptions that trip people up.3.) The costly mistakes people make when setting up a Whole Life policy—and how to structure yours for maximum flexibility and returns.Show Notes: LifestyleInvestor.com/232Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For years, Kyle ignored whole life insurance, thinking it wasn't a smart financial move—until he had kids. In this testimony, he shares why he chose to buy life insurance for his children first, how it changed his perspective, and why he now sees it as a powerful tool for building generational wealth.Want Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Want Whole Life Insurance? Click Here: https://bttr.ly/aa-yt-clarity Learn More about the And Asset:Website: https://bttr.ly/andasset00:00 Kyle's Journey with Life Insurance06:34 Understanding Whole Life Insurance and Its Benefits11:57 Multi-Generational Financial Planning16:29 The Role of Whole Life Policies in Emergency Funds22:15 Estate Planning and Family Legacy29:23 Future Considerations in Financial Planning======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

#589: Kimmy is worried that her mom's retirement portfolio is invested too conservatively. Is she right to advise her to take on more risk? Peyton has heard the financial advice about staying away from Whole Life Insurance as an investment, but what about as a savings account for children? Is there good a use case for this? Jeff and his wife are in a great financial position, but they fear that their retirement savings are too heavily apportioned in traditional IRAs. Will they run into tax problems in the future?  Former financial planner Joe Saul-Sehy and I tackle these questions in today's episode. Enjoy! P.S. Got a question? Leave it at https://affordanything.com/voicemail For more information, visit the show notes at https://affordanything.com/podcast/binge Learn more about your ad choices. Visit podcastchoices.com/adchoices

Polina Pompliano, Author of ‘Hidden Genius' and Founder of The Profile, and Anthony Pompliano, Author of ‘How To Live An Extraordinary Life' and CEO of Professional Capital Management, discuss the bitcoin crash, what's going on, Coinbase, Ken Griffin jumping into the crypto trading game, regulation, and what is going on with the Bybit hack.=======================Ledger has been trusted for 10 years to secure 20% of the world's digital assets. Their latest devices, Ledger Stax and Ledger Flex, feature secure touchscreens for safer, easier crypto management. Go to ledgerpomp.com to take control of your digital future=======================Meanwhile is the world's first licensed and regulated life insurance company built for the Bitcoin economy. Protect your loved ones with sound money built to manage life's uncertainty and a broken financial system. Their BTC-denominated Whole Life Insurance policies allow HODLers to pass more BTC on to their loved ones and a tax-advantaged way to access BTC for liquidity during their lifetime. Visit their website at https://meanwhile.bm/ to join the waitlist for a policy and to learn more.=======================Pomp writes a daily letter to over 265,000+ investors about business, technology, and finance. He breaks down complex topics into easy-to-understand language while sharing opinions on various aspects of each industry. You can subscribe at https://pomp.substack.com/=======================View 10k+ open startup jobs:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dreamstartupjob.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Enroll in my Crypto Academy: https://www.thecryptoacademy.io/

David Tse is the Co-Founder of Babylon Protocol. In this conversation he explains two use cases for bitcoin, why he is trying to build a third use case, staking in the bitcoin network, and what David thinks the future looks like. =======================This episode is brought to you by Bitdeer (NASDAQ: BTDR), a global leader in Bitcoin mining and high-performance computing for AI. Led by a seasoned management team, Bitdeer is driving innovation with its proprietary SEALMINER ASICs for Bitcoin mining and has a massive 2.5 GW power portfolio across three continents. Learn more about Bitdeer at www.bitdeer.com=======================Meanwhile is the world's first licensed and regulated life insurance company built for the Bitcoin economy. Protect your loved ones with sound money built to manage life's uncertainty and a broken financial system. Their BTC-denominated Whole Life Insurance policies allow HODLers to pass more BTC on to their loved ones and a tax-advantaged way to access BTC for liquidity during their lifetime. Visit their website at https://meanwhile.bm/ to join the waitlist for a policy and to learn more.=======================Pomp writes a daily letter to over 265,000+ investors about business, technology, and finance. He breaks down complex topics into easy-to-understand language while sharing opinions on various aspects of each industry. You can subscribe at https://pomp.substack.com/=======================View 10k+ open startup jobs:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dreamstartupjob.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Enroll in my Crypto Academy: https://www.thecryptoacademy.io/

Chad Cascarilla is the CEO & Co-Founder at Paxos, a regulated blockchain infrastructure provider and stablecoin issuer. Visit Paxos.com to learn more. Chad is also one of the earliest investors in bitcoin. In this conversation we talk about the early days of bitcoin, the rise of ethereum and other blockchains, the importance of stablecoins, tokenization, helping onboard enterprises, where we are going, and the mission of Paxis. ======================BitcoinIRA: Buy, sell, and swap 75+ cryptocurrencies in your retirement account. Take 3 minutes to open your account & get connected to a team of IRA specialists that will guide you through every step of the process. Go tohttps://bitcoinira.com/pomp/ to earn up to $500 in rewards.======================Xapo Bank, the world's first fully licensed Bitcoin-enabled bank, offers military-grade security with an unmatched blend of physical and digital security, as well as pioneering regulatory oversight, so your funds are always protected. Beyond secure storage, they enable you to grow and use your Bitcoin. Earn daily interest in Bitcoin, spend with zero FX fees using a global card, and make instant payments via the Lightning Network for unrivalled access and convenience. Visithttps://www.xapobank.com/pomp to join.======================Meanwhile is the world's first licensed and regulated life insurance company built for the Bitcoin economy. Protect your loved ones with sound money built to manage life's uncertainty and a broken financial system. Their BTC-denominated Whole Life Insurance policies allow HODLers to pass more BTC on to their loved ones and a tax-advantaged way to access BTC for liquidity during their lifetime. Visit their website athttps://meanwhile.bm/ to join the waitlist for a policy and to learn more.======================

Chris Kline is the Co-Founder & COO of Bitcoin IRA. In this conversation we talk about the bitcoin strategic reserve, what Trump administration could do for bitcoin, Czech central bank consider holding bitcoin as reserve asset, how many other countries are getting into the game, repeal of SB121, banks holding bitcoin, and putting bitcoin in your retirement account.  ======================= BitcoinOS is bringing Bitcoin into a new era. For the first time, Bitcoiners can access real DeFi across the entire crypto ecosystem, powered by revolutionary zero-knowledge technology. No more trusting sketchy bridges or giving up security. BitcoinOS reunites all of crypto around the chain where it all began. Follow BitcoinOS on twitter @BTC_OS and Be early to Bitcoin again. ======================= Meanwhile is the world's first licensed and regulated life insurance company built for the Bitcoin economy. Protect your loved ones with sound money built to manage life's uncertainty and a broken financial system. Their BTC-denominated Whole Life Insurance policies allow HODLers to pass more BTC on to their loved ones and a tax-advantaged way to access BTC for liquidity during their lifetime. Visit their website at https://meanwhile.bm/ to join the waitlist for a policy and to learn more. ======================= Pomp writes a daily letter to over 265,000+ investors about business, technology, and finance. He breaks down complex topics into easy-to-understand language while sharing opinions on various aspects of each industry. You can subscribe at https://pomp.substack.com/ ======================= View 10k+ open startup jobs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dreamstartupjob.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enroll in my Crypto Academy: https://www.thecryptoacademy.io/