Not Your Average Financial Podcast™: Recent Episodes

Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

In this episode, we ask:

Have you heard Episode 462?
Who is Phil Smith?
What is a super awesome privilege?
Why was Mark cautious?
What helped Phil?
How did Phil find the right balance with his Bank On Yourself® type whole life insurance policies?
What is so cool about having friends as clients?
What were some of Phil’s early concerns about taking policy loans?
What about paying off debt?
What about real estate?
What about investments?
How did Phil pivot, as life happened?
What is the new financial normal?
How can I route some of my major life purchases through this policy?
How might I keep my money growing at the same time?
What did Nelson Nash say?
What about arrival syndrome?
What about the beginner’s mindset?
What did C.S. Lewis say?
Would you like to meet Phil?

Phil Smith is an Associate at Lake Growth Financial Services, bringing more than 17 years of banking and credit‑union experience to the firm. A Bank On Yourself® client since 2013, Phil has personally used the strategy to navigate major life transitions, eliminate debt, fund investments, and build long‑term financial resilience—giving him a rare dual perspective as both a seasoned practitioner and a long‑term policyholder.

Known for his disciplined, thoughtful approach, Phil draws inspiration from his journey in traditional kung fu, where he is a fourth‑degree black belt soon testing for master level. He applies the art’s core principle—time and effort—to helping clients build stable, flexible, and future‑focused financial strategies. Phil serves clients nationwide and can be reached at philsmith@lakegrowth.com.

In this episode, we ask:

How can you make your side hustle the main event, without money stress?
Who is Janet Kuester and how did she grow the Music Connection to hundreds of students?
What did Janet do with her Bank On Yourself® type whole life insurance policy?
What is a music activist?
What did Janet discover on her journey?
What did Janet learn in the Orchestra?
Who is looking for a tribe?
What about communicating without words?
What happened when Janet was 5 years old?
When did Janet start playing an instrument?
Could you believe the sound?
What was the journey like?
How did Janet found and build the Music Connection school in 2004?
What was Janet’s “entrepreneurial seizure”?
What happened when she was bursting at the seams at the Orland Park location?
What happened with the Suburban Youth Symphony?
What about kids getting access and opportunity?
What happened when Janet learned about Bank On Yourself®?
How did Janet sell her business?
What happens after work?
What did Janet do with her policy when she turned 70?
What about an amazing experience?
What about Janet’s children book, Try It and See?
What about Janet’s new book, More Than Music Lessons: Wisdom Beyond the Notes?
…and more!

Janet Kuester describes herself as a music activist.

As a young woman, she doubted her music ability, though she was filled with a love for classical music. After a 28-year detour into a nursing career, she felt called to start a music school and that started a 20-year journey into founding and running her own music school business, the Music Connection, which she sold in 2020. She is a firm believer in life’s chapters and is in the middle of the next one!

In this episode, we ask:

What has been marketed as a shiny solution?
Why is the agent pushing this hard?
What’s the rub?
What conclusion has Mark come to after seeing clients who have been burned by this?
What are the numbers?
Do you want efficiency?
Do you want control?
Do you want safety?
What is the last thing you need?
Why does indexed universal life insurance (IUL) get sold so aggressively?
Do the floors protect you against all losses?
Is there flexibility?
Can you participate in market gains without market risks?
What happens when markets “don’t cooperate”?
What about double digit returns?
What keeps rising fast?
What amplifies the very risk most people are trying to avoid?
What is a safe play?
What is unnecessarily risky?
Why are there so many IUL lawsuits?
What about Bank on Yourself® type dividend paying whole life insurance policies?
How is an indexed annuity different from an IUL?
What has zero insurance costs?
Do you like the idea of the index?
What is good for you?
How does the structure of indexed universal life work against you?
How about a story?
Is an IUL a better 401(k) alternative?
Are IULs liquid?
What about the Bank on Yourself® philosophy?
What happens as the paid-up additions rider accumulates?
Do you have to beg a bank for your money?
What about a stream of income?
What about liquidity and flexibility?
What about guaranteed income?
Where do I pull money, when I need it today?
How about a couple of examples?
What are the pillars of the Bank on Yourself® philosophy?
What stands up under real world pressure?
Does the properly structured dividend paying whole life insurance policy outperform IUL?
Why does the IUL work against you?
Do you need to talk through an existing IUL contract?
Are you failing forward?
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?
Would you like to jump into the FREE Not Your Average Financial Community?

In this episode, we ask:

Why do indexed universal life (IUL) policies so often fail?
How about a high profile example?
What about a straight-forward, guaranteed approach?
Why are IUL policies structured to shift massive risk onto you, the policy holder?
What is the real culprit here?
What gets more expensive as you age?
What are the caps and limits?
What are the rates?
What are the spreads?
What clips the upside on these IUL products?
Why are there optimistic assumptions?
What happens to the cash value of an IUL policy to keep it in force?
What did the Gottlieb study say?
What happens to 95% of IUL policies?
What will you have left?
Would you like to hear Episode 371?
Would you like to hear Episode 36?
Do you watch NASCAR?
Have you been pitched an IUL?
How much premium did the Busch family pour into 5 indexed universal life policies?
What happened?
Why do these policies eat themselves alive or ultimately collapse?
Why does this keep happening?
What is the problem with the structure?
Why are the costs so high inside of an IUL?
What is the index crediting trap?
What are caps?
What are spreads?
What about the upside?
What is the cost of insurance?
What is the myth of backtesting?
What about the lawsuits?
What happens when reality hits?
Are these policies designed to lapse?
Why do certain salesman push this sizzle (without the steak)?
What actually works?
How do Bank on Yourself® type dividend paying whole life insurance policies work?
Can you take non-direct recognition policy loans from an indexed universal life (IUL) policy?
Would you like to hear a story?
What’s actually true?
How does one build a fortress?
What is the whole point of insurance?
Does IUL transfer the risk?
Who can read an IUL illustration?
What’s wrong with the IUL contracts?
What is the prudent alternative?
Are there ever “zero years” in the Bank on Yourself® type dividend paying whole life insurance policies?
What happens to the cost of insurance?
What did Ed Slott say about IUL?
What did Warren Buffett say?
What are the big lessons?
What are the core takeaways?
Have you read Lapsed by Elan Moas?
Would you like to listen to Episode 381 and Episode 382 with Elan Moas?
What are the action items?
Do you or a loved one own one of these IUL policies? What are the options?
Would you like to meet with Mark or one Mark’s associates?

None

In this episode, we ask:

Have you met a Kung Fu Master?
Who is Phil Smith?
Who is the big bad banker?
What were some of the first lessons on the mat?
What are the building blocks?
What about the stances?
What about versatility?
What does it take to be “kung fu” at something?
What is the practice?
Have you read Atomic Habits by James Clear?
What happens with 1% improvements?
What about compounding?
What happens with time and repeated effort?
Where does one start?
What about the mental and physical aspects?
What are some of the aspects of kung fu?
What about the infinite kung fu concept?
How does the yin yang symbol integrate into this?
Is a 401(k) all it’s cracked up to be?
What has been proven to work?
What looks like hard work, dressed up in overalls?
What’s next?
Would you like to meet Phil and/or Mark?

In this episode, we ask:

Have we gone mad here?
Should we save more?
Should we just hope the market cooperates?
What is the four step process for the black belt?
What discipline is required to handle large loan balances?
What is the most important business in the world?
Should premiums and income match?
What is the black belt strategy?
Is it a black belt for a reason?
Would you like to start with capturing your monthly cashflow with No. 1 The White Belt?
Would you like to work with the most important people in your life, No. 2 The Yellow Belt?
Would you like to climb up and out on eliminating debt with No. 3 The Orange Belt?
Would you like to strategize to protect your retirement and business with No. 4 the Red Belt?
Would you like to structure a cash flow system with No. 5 the Green Belt?
Would you like to tackle massive expenses with No. 6 the Purple Belt?
Would you like to bring the generations along and up with No. 7 the Brown Belt?
Would you like to rise to cash flow mastery with No. 8 the Black Belt?
How does this actually look in practice?
How about some case studies?
Is the black belt a set it and forget it strategy?
Can the policy loans get quite large?
What happens if the loans are not repaid?
Will the policy collapse?
What is taxable as ordinary income?
What is phantom income?
What happens to the death benefit?
How can you prevent your warehouse from being destroyed?
Who are you working with to protect your wealth?
What did Nelson Nash say in Becoming Your Own Banker?
Why do they use whole life insurance as tier one capital?
What are the key takeaways?
Would you like to meet with Mark Willis, CFP®?

In this episode, we ask:

Have you tied on your belt?
What is happening with the CPI?
Where is worker confidence listed with ABRI?
What is the median savings for people in the U.S.?
What age bracket is buying whole life insurance in droves?
What is the black belt?
Are you leaking wealth?
Is your wealth working for you or someone else?
Would you like to start with capturing your monthly cashflow with No. 1 The White Belt?
Would you like to work with the most important people in your life, No. 2 The Yellow Belt?
Would you like to climb up and out on eliminating debt with No. 3 The Orange Belt?
Would you like to strategize to protect your retirement and business with No. 4 the Red Belt?
Would you like to structure a cash flow system with No. 5 the Green Belt?
Would you like to tackle massive expenses with No. 6 the Purple Belt?
Would you like to bring the generations along and up with No. 7 the Brown Belt?
What did Nelson Nash say?
What happens to ALL of your money?
What does the bank do with your money?
Can your system accommodate your income?
Have you read Becoming Your Banker by Nelson Nash?
What will wreck your margins?
What is theft from yourself?
What about opportunity cost?
Who pays retail?
Where does your money live?
What is bank-owned life insurance (BOLI)?
How much life insurance do banks purchase?
How much of that banking function do you want to control?
How do we turn our headwind into a tailwind?
How do you live on less than you make?
What is the aim?
Can you expand?
Should your premium match your income?
What did Jim Conrad say in his dollar diagram?
What would happen if…?
How does the black belt work at scale?
Can you finance every big transaction in your life?
How do you eliminate the dreaded wealth transfers?
Who has the discipline for this?
Is this a set it and forget it plan?
How about some examples?
Who is sleeping better?
Who treats his policies like a family office command center?
Do you have a repayment strategy?
Do you have windfalls?
Who has self-control?
Who has patience?
When does the power come?
What is the significant danger to this strategy?
Could the policy trigger a surrender or lapse?
What is phantom income?
Who is trained and able to engineer policies for you?
What about business growth?
What about legacy?
Would you like to meet with Mark?

In this episode, we ask:

What can span three or more generations?
Have you considered the family office?
Would you like to get going with capturing your monthly cashflow with No. 1 The White Belt?
Would you like to advance to working with the most important people in your life, No. 2 The Yellow Belt?
Would you like to climb up and out on eliminating debt with No. 3 The Orange Belt?
Would you like to review strategies to protect your retirement and business with No. 4 the Red Belt?
Would you like to architect a cash flow system with No. 5 the Green Belt?
Would you like to tackle massive expenses with No. 6 the Purple Belt?
Have you heard the old proverb?
Do we prepare the people for the money?
Have you read Perpetual Wealth by Kim Butler?
What does this strategy involve?
What is tax free under current tax law?
What about the fund and the family council?
Would you like to plan and participate in an intentional family retreat?
What opportunities would strengthen everybody?
Have you crafted a family mission statement?
How does a family keep the fund distinct from a “family piggy bank”?
What will the next generation learn?
What about family loan requests and family fund underwriting?
What happens when the family approves a loan?
How many families don’t ever talk about money?
What is the reward?
Will your wealth be a blessing or a curse to the future generations?
What do Americans fear more than dying?
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Why is the consumer sentiment rating in the basement?
What is projected to run dry?
What are people voting with their wallet for?
Would you like to begin with capturing your monthly cashflow with No. 1 The White Belt?
Would you like to continue on with the most important people in your life, No. 2 The Yellow Belt?
Would you like to climb up and out on eliminating debt with No. 3 The Orange Belt?
Would you like to review strategies to protect your retirement and business with No. 4 the Red Belt?
Would you like to architect a cash flow system with No. 5 the Green Belt?
Is this for the faint of heart?
Are you at the intermediate or advanced level?
What about uninterrupted compounding?
Are you a business owner?
How about an example?
How big are your checks to the I.R.S. every year?
What is growing year after year?
How about private school tuition?
What about Amazon sellers?
Does a policy loan have to be repaid?
What about property taxes?
What about property and casualty insurance premiums?
What about charitable pledges?
What about major annual business operating expenses?
How does one pay off a giant loan?
Should everyone listening to this do a purple belt strategy?
What happens when a loan meets or exceeds cash value?
What about the sale or 1031 exchange of real estate?
What about receiving a substantial inheritance?
What about large bonuses or commissions?
What about the sale of intellectual property?
What about receiving a lump sum?
What about extra income?
What carries real risk?
What is the Plan B?
What are the serious consequences?
How do we work to make sure the loan never threatens the contract?
Is your money working full throttle?
What about steady, predictable growth that you can control?
Is that big expense dead weight?
How might you benefit from the cash flowing through your life?
What did Nelson Nash say?
Do you control the financing function of your life?
What did Pamela Yellen say?
Can you weather the storms that are coming?
What are the takeaways?
Would you like to meet with Mark?
Would you like to join our FREE! Not Your Average Financial Community?

In this episode, we ask:

Are you crossing your fingers and hoping Wall Street delivers?
Would you like to start with capturing your monthly cashflow with No. 1 The White Belt?
Would you like to follow up with the most important people in your life, No. 2 The Yellow Belt?
Would you like to catch up on eliminating debt with No. 3 The Orange Belt?
Would you like to review strategies to protect your retirement and business with No. 4 the Red Belt?
Does financial mastery unfold in a straight line?
How about a cash-flow management system?
How does the green belt obliterate the main-stream 0h-so-average financial advice?
How many policies can you get?
What is the key mindset shift?
How does one build a portfolio of policies?
What are the lifetime wealth leaks?
What happens to the 529 plan?
How are you buying cars?
What compounds into serious money?
What about family vacations?
What about investments? What about entrepreneurial pursuits?
What are 15 creative green belt solutions?
What about tuition?
What about vehicle and major purchases?
What about real estate (without a credit check)?
What about business expansion?
What about a family vacation or memory?
What about home renovations and repairs?
What about medical and health costs?
What about milestone events?
What about tax bill buffers?
What about opportunities?
What about emergency funds?
What about charity and legacy?
What about down payments?
What about self-insurance?
What about retirement and fun money?
What is the biggest expense staring at you right now?
How are you managing the cash value?
Does every dollar in your policy have a job to do?
Is the cash value untouchable?
Is the cash value perfectly liquid?
Who borrows without a real plan?
What about a proper buffer?
How does the green belt balance this out?
What are the buckets?
How can you gain total confidence?
How might one command their money with purpose and clarity?
How does the disciplined approach change the game?
What are the takeaways?
What are the action items?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Are you ready to advance to a pivot point in the financial dojo?
Would you like to review No. 1 The White Belt?
Would you like to listen to No. 2 The Yellow Belt?
Would you like to catch up on No. 3 The Orange Belt?
What are we moving beyond with the Red Belt?
Are you approaching or in retirement?
Are you running your own business?
What are the headwinds?
Are you protecting a nest egg?
What is the retirement repositioning strategy?
Should you stuff every last dollar into tax deferred vehicles?
What is the median retirement account balance for Americans age 55-64?
Who is exposed?
Who owns your retirement account?
What is the forced retirement distribution?
What age are you forced to take these RMDs?
What climbs when in retirement?
What about 401(k)s and IRAs?
What about the built up tax-deferred time bomb?
Do you know how much you owe in tax now?
When should you pay the tax?
What if you have a shorter timeline?
When do you need the money the most?
How about a case study?
What is a qualified plan?
What does the red belt deliver?
Is peace of mind underrated?
Do you own a business?
What is your single biggest asset?
Have you heard the joke?
What about lines of credit?
Where should you route your profits?
How many times have you kissed the ring of a banker?
What does all of this actually mean?
Will you move into a position of total control?
What is the mathematical reality?
Who controls the financing function in your life?
Who sleeps better?
What does Wade Pfau say?
What is a massive I.O.U. to the I.R.S?
How about another case study?
Who wants guaranteed lifetime income?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

What if it is possible to be BETTER than debt free?
Would you like to hear the No. 1 The White Belt and No 2. The Yellow Belt?
Are you debt free?
Is paying cash the answer?
What did a recent federal reserve study conclude?
What is the Debt SnowBank Method?
What are the 5 steps?
How about two example cases?
Is your thinking short term or long range?
Which matters more?
What’s the bottom line difference?
Do we have to work harder?
Do your emergencies care if you’re in debt or not?
How about a case study?
How does one instantly create a legacy?
What is a trap?
How many months of expenses do you have ready to go?
So what happened to the two example cases at age 70?
Do you have to choose between getting out of debt and creating wealth?
What are some success stories?
Who will redirect the force?
What are the principles?
What about financial flexibility?
What about taxable events?
What is your ideal outcome?
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?
Would you like to join our FREE Not Your Average Financial Community?

In this episode, we ask:

Will anything else in your financial life work?
Did you listen and learn about the White Belt in Episode 453?
What is the Yellow Belt?
Where is real wealth built?
What intentional steps are you taking?
What about legacy level power?
How much does it cost to raise one child from birth to age 18 in the U.S.A.?
What are the problems with 529 plans?
What are the advantages of life insurance on children?
When is the best time for children to start leveraging uninterrupted compound interest?
How do the grandparent’s assets affect the grandchildren’s assets?
Where do many families tie up their wealth?
Who can own policies on kids and grandchildren?
What about the sandwich generation?
Who is a caregiver?
What happened to home care and assisted living costs?
Does Medicare cover long term care costs?
What about Medicaid?
How does the Yellow Belt change the game?
Where does the burden land?
What is an accelerated death benefit rider?
Can you get access to your death benefit while you’re still alive?
Who will cover the gap Medicare ignored?
What if the parents are uninsurable?
What about the liquidity?
Will the markets cooperate?
Who is prepared for the money?
Are you a business owner?
What happens when someone leaves?
What happens when a business partner dies?
Have you seen a poorly designed business transition play out?
What could you do instead?
What about cross purchase and entity purchase agreement?
How about liquidity and security?
Would you like to read The Business Fortress?
What are some design ideas?
What about 162A bonus plans?
How will you protect and reward the people who drive your revenue?
What comes with heavy regulations?
What will happen when the unexpected hits?
What beats term insurance or a sinking fund?
What are the key takeaways?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Where is the true sanity?
What about the martial arts belts?
How can we build real wealth?
How many money moves are you making in your cash flow?
How about renegotiating the auto insurance?
What about cutting out subscriptions no longer in use?
Do you need to adjust your tax withholdings?
What about changing how you pay down your debts?
How about consolidating high-interest credit cards?
Who wants to retain more of the hard-earned income each month?
Where you are currently parking your savings?
Is the money in accounts that serve your long-term need for liquid, accessible, and guaranteed growth?
What are your dollars doing?
What did Nelson Nash say on page 52 of Becoming Your Own Banker?
What is the median retirement account balance?
What will happen with a 1% fee?
Would you like to hear two case studies?
How does one build an asset?
Where does the real power of the white belt strategy begin?
What are the takeaways?
What are the action items?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

What is happening with precious metals?
Where do we stand?
Who is Dana Samuelson?
Where is gold, silver and platinum going?
What is the state of the union on precious metals?
What happened in 2025?
What happened in the late 70s and COVID?
What about tariffs?
What about uncertainty?
What are the good alternatives?
Why do other countries have a precious metals culture?
What insulates us from shocks, economically?
What happened in April 2025?
What happened to the bond market?
What is the biggest credit market in the world?
What did China say?
What happened in August?
What did India say?
What broke the London over the counter silver market in 2025?
What happened on January 30th, 2026?
Why have gold and silver coins been currency for so long?
What happened after World War II?
Why are people passionate about precious metals?
What happened to Bitcoin?
Can markets go both ways?
Who has a big gold culture?
What about supply and demand?
What has performed better recently, Bitcoin or gold?
What might cause gold and silver to ease in value?
What benefits from higher interest rates?
What is foundational beyond fiat money?
What’s the safest place to store gold?
What’s the problem with storing silver?
What about storage facilities?
Do you have access?
Can you transact in gold, like we transact in dollars?
Does gold have counter party risk?
What about precious metals bartering?
How do you know if gold is reputable?
What about Dana’s company, American Gold Exchange?
What about trust?
Where are precious metals headed in 2026?
Is the dollar weakening?
What about Central Bank buying?
What about volatility?
What is the difference between investments and savings?
Would you like to visit amergold.com?
What are the takeaways?
What are the action items?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

Dana Samuelson is the Founder and President of American Gold Exchange (AGE), a leading national precious metals and rare coin company specializing in dealer-to-dealer trading and direct-to-consumer sales.

He has been active in the physical gold and silver markets for 43 years and is a nationally recognized expert on vintage, pre-1933 US gold and silver coins. Email American Gold Exchange at info@amergold.com.

In this episode, we ask:

Do you need the latest and greatest?
Are you rocking a flip phone?
How have interest rates affected crediting rates, caps and guaranteed lifetime income streams?
Did you buy a contract in the low rate years?
What are the new contracts offering with higher interest rates?
Is it smart to run the numbers?
What other everyday financial products need review?
What is the insurance industry’s answer to a CD?
What about income annuities?
Is it time for an annuity refresh?
Is it costly to shop around?
What about fixed index annuities from 2005-2020 or so?
What is the upside potential?
Are interest rates the whole story for annuity products?
What are the better caps and spreads?
What never runs out?
What is the bottom line?
How about an example?
What happened with inflation?
Should all annuities be replaced?
What is a surrender charge?
Is the surrender charge worth it?
Does the contract’s new features benefit you?
Is the old one better?
Has the interest rate environment changed in your favor?
Is this worth a fresh look?
What are the key takeaways?

In this episode, we ask:

Who is Ben Berry?
Would you like to check out Episode 397?
What is Tardus Wealth Strategies?
Would you like to hear Episode 376?
How does the Bank on Yourself tool integrate with the Income Snowball?
Do you remember Nintendo, back in the day?
Do you remember the Game Genie?
Why is control so important in wealth creation?
What are the headwinds working against your money?
Would you like to view video and/or Subscribe on the YouTube page?
How might we think and learn about money differently?
What is a myth?
What can Wall Street legally claim?
What does it mean to change the environment where your money lives?
Who wants the wind at your back?
Is this going to take me all the way to the end?
Will I make more than that in my stocks?
What about the payout or withdrawal rate?
When will passive income exceed your living expenses?
What are the options?
What is a “MELOC,” and how does it differ from a HELOC?
What did Mark Twain say?
How many questions are involved in a whole life insurance loan?
How do you take a HELOC?
What kind of impact would non-direct recognition loans have?
Are you constantly breaking the compounding of your growth?
What is the “eighth wonder of the world”?
What breaks compound growth?
What one little glitch could be the difference between success and failure?
What are the wrong tools?
Is it a cheap knock off?
Are you taking on unnecessary risk?
What becomes more expensive as you get older?
What won’t work with the income snowball?
What about building capital?
How about moving to stable, long-term assets?
What are the paths to getting started?
When is the liquidity ready to deploy?
What about building with monthly cash flow?
Do you need to lock money away for forty years?
What asset can you build right away?
What instantly multiplies your family’s legacy?
What will improve?
What will happen to your lifestyle?
What will happen to your demeanor?
What are the risks of the income snowball?
Who is doing the due diligence?
What is Plan A? Plan B? Plan C?
What do you need to pay attention to?
Who is on your team?
Would you like to reach out to Ben at bencberry@gmail.com?

Ben Berry is the owner of Berry Financial Services, LLC, where he helps individuals, families, and business owners take back control of their financial lives. As a Bank On Yourself® Professional and Safe Money Specialist, Ben focuses on building predictable, tax-advantaged wealth strategies designed to support long-term security and generational impact. His approach integrates advanced business planning, life insurance solutions, contingency capital, and asset-mapping to create clear, customized financial pathways. Known for translating complex concepts into practical guidance, Ben equips clients to make confident decisions in an uncertain world. He is passionate about education, relationships, and helping people build wealth they can depend on.

In this episode, we ask:

How has the I.R.S. clarified things with a recent notice on the Trump account?
What changed Mark’s mind about the Trump accounts?
Can you convert a Trump account into a Roth IRA when the kid turns 18?
Why not put money into a 529 plan instead?
What about layering this in with other strategies?
What is a Trump account?
What is huge?
Who can fund this?
Who needs earned income?
What happens for kids who were born between 2025 and 2028?
What happens in July 2026?
How can you set one up?
When are contribution due?
What about ETFs?
What happens automatically at age 18?
What are the limits?
What happens with the taxes on these accounts?
Why does timing matter?
What if the government changes the rules?
What about a case study?
How do taxes work with a Roth?
Should you convert it all at once?
What is the basis in the Trump account?
What is the standard deduction in the year your kid turns 18?
How many taxes will the kid pay?
What is return of basis?
What happens in year 2?
What can you do once the money is rolled into a Roth IRA?
What would the total income become?
How can you make a plan to protect the principal?
Why is starting early the key?
What is like planting an oak tree?
What about required minimum distributions?
What does Ed Slott say in the Retirement Savings Time Bomb?
… and more!

In this episode, we ask:

What is the combo rider?
What’s the worst thing you could do?
What is the power of uninterrupted compounding growth?
How about an example?
What about utilizing the paid up additions rider?
What’s the deal with the one-year term cost?
What can be a game changer?
What about parking money a low-yield savings account?
What are mutually owned life insurance companies?
Where does the magic happen?
What is the base policy premium?
What is the paid up additions rider?
How can you fund the paid up additions rider?
What is a combo rider?
What lets you pour in extra dollars?
What boosts your cash value and your death benefit?
What are your numbers?
Why is a custom design important?
Why do term insurance costs go up each year?
How is buying a policy like buying a house?
What makes a life insurance policy bigger and more valuable?
What happens when you fund the combo rider?
What adds to the permanent wealth accumulation?
Why does term insurance reprice each year?
What lifts the death benefit up?
How do you get more head room?
How do you convert term piece after piece over time, to make sure the overall cost doesn’t go up?
What about fully funding the policy?
What about converting the term into permanent paid up additions (PUA) coverage?
What is flexible?
Can you eliminate PUAs entirely?
Can you eliminate the term?
What can you do after the seventh year?
What is temporary?
How is this different from indexed universal life insurance (IULs)?
Why can’t you get out of IUL contracts?
What is the fine print in the IUL contract?
How do you control the conversion and cost in a combo-rider whole life insurance policy?
Should you maximize your paid-up additions rider?
Should you fully fund the paid-up additions rider?
What is the limit you can pack into your PUAs?
What are the policy’s and the government’s guidelines?
What about the time value of money?
What will start compounding for you right away?
How do I grow my dividends?
How do I get liquidity?
Why are savings accounts convenient and safe?
How does inflation affect your savings account?
How does inflation affect your policy’s cash value?
Do you need to make a big purchase without interrupting the compound growth?
Who is burning up opportunity cost?
Did you spend it? Is it gone forever?
What is the magic of a fully funded paid-up additions rider?
How about a case study?
Are you eyeing a property?
What about loan interest payments?
Did you earn more than you spent?
What about arbitrage?
Would that be a good deal for you?
Do you have to choose between access and growth?
What else is there to unpack?
Would you like a freebie at the FREE! Not Your Average Financial Community?
What about rising costs?
What happens with age?
What happens when the term cost drops?
Can you eliminate the term entirely?
Who is in the driver’s seat?
Is this a bold opinion?
What about IUL vs. whole life insurance?
Who wins?
Why is compounding capacity the key?
Can you retroactively stuff more in?
What are the key takeaways?
Would you like to meet with Mark or one of Mark’s associates?
Who needs to hear this?

Would you like to join us for a very special workshop at Hotel Baker in St. Charles, IL? We’re meeting on the afternoon of April 9, 2026.
…Are you a business owner? Are you focused on how to fund your business growth without banks, investors or draining your retirement?
Join us LIVE and in-person, April 9, 1PM-2PM CT | $79 | Register Here

—

…Are you going to outlive your money? Would you like to join Mark Willis, CFP® to learn 3 strategies to protect your retirement from market crashes, rising taxes and inflation?
Join us LIVE and in-person, April 9, 2:30PM-3:30PM CT | $29 | Register Here

See you there!

In this episode, we ask:

Do you remember Moneeka Sawyer?
Would you like to listen way back to Episode 119?
What is the Christmas Rescue?
What did Moneeka notice as an executive coach?
What happens when people lose their joy?
Have you read Choose Bliss?
How can you be blissful when you’re broke?
What transformed Moneeka’s entire life?
How can we recreate joy?
What about hope and second chances and love?
How is choosing bliss a defiant act?
How do we know if people are watching the film?
How is money a certificate of good performance?
How is money an indicator?
What does Mark notice with high net worth clients?
Would you like to reach out to Moneeka at moneeka@coreblisslife.com or at christmasrescue.help?
What are the action steps?
What about journaling?
What one small daily habit will increase your bliss?

Moneeka Sawyer is a TEDx speaker, an international best- selling author of the award-winning book “Choose Bliss: The Power and Practice of Joy and Contentment, and hosts a top rated podcast and nationally syndicated radio show. She has interviewed prestigious guests such as Leeza Gibbons, Dr. Joe Vitale, Hal Elrod, and Mark Victor Hansen, and has been interviewed on podcasts like Entrepreneurs on Fire with John Lee Dumas, Hal Elrod’s Achieve Your Goals, and the Best Real Estate Advice Ever show with Joe Fairless. Most recently she was featured on the cover of Forbes Magazine and in America’s Who’s Who. Moneeka’s expertise, and bliss-filled laugh, have also been featured on stages with Suzanne Somers, Martha Stewart, and Ice T & Coco at places like the Nasdaq Marketplace, Harvard, and Carnegie Hall, and on TV on NBC, CBS, ABC, and Fox impacting over 150 million people. Connect with Moneeka at Blissfulinvestor.com

Would you like to join us for a very special workshop at Hotel Baker in St. Charles, IL? We’re meeting on the afternoon of April 9, 2026.
…Are you a business owner? Are you focused on how to fund your business growth without banks, investors or draining your retirement?
Join us LIVE and in-person, April 9, 1PM-2PM CT | $79 | Register Here

—

…Are you going to outlive your money? Would you like to join Mark Willis, CFP® to learn 3 strategies to protect your retirement from market crashes, rising taxes and inflation?
Join us LIVE and in-person, April 9, 2:30PM-3:30PM CT | $29 | Register Here

See you there!

In this episode, we ask:

What do business owners ask Mark all of the time?
Is this legal?
Are there benefits to doing this?
Who is in a strong position?
What can add super-powerful leverage here?
What about layering in a shareholder loan from your policy?
What about accelerated depreciation on a heavy SUV or 6000+ lb. vehicle?
What about a tax-free policy loan?
What about deductible interest for the business?
What about a cash flow play?
What is the GVWR?
What does Section 179 of the tax code say?
What about layering on bonus depreciation?
What about the standard maker’s depreciation?
What can you deduct?
What’s your tax bracket?
What ideas can you bring to your accountant?
What are the tax advantages?
What about the banking portion?
How can you buy a car with a personally owned life insurance policy?
What are the steps?
What are the benefits from borrowing from your policy?
What’s not deductible?
What are the loan terms?
What about flexibility in loan terms?
Can you lend money to your business?
Do you have a formal promissory note?
What is the clear repayment schedule?
What about the interest?
Are you taxed out the wazoo?
What is especially powerful in an S-Corporation?
What about cash flow preservation?
How about contingency capital?
What about asset protection?
What is the arbitrage on policy loans?
What continues to grow?
What are the estate planning upsides?
What are the risks?
Did you properly keep required documentation?
Did you speak with your CPA?
Who is this for?
Are you paid a reasonable compensation?
Would you like to meet with Mark or one of Mark’s associates?
Who agrees?
What are the takeaways?
Would you like to join our FREE! Not Your Average Financial Community?

In this episode, we ask:

Do you remember the early 2000s?
Do markets care about your timeline?
What happens if the buffer is now gone?
How can you go 2 weeks or more without a paycheck?
What did the Federal Reserve’s retirement data say?
What about groceries?
What about one market dip?
Is history kind to us here?
How long did it take the market to recover?
When will the next recession be?
What did the CBO say will happen by 2029?
What if we built strategies to keep wealth?
What does traditional retirement planning focus on?
What about curveballs?
What about raising your own family and caring for aging parents?
How many adults are juggling work, kids and elder care?
Who cares for you, if your health fails?
Should you sell stocks when the market is crashing?
What is priceless?
How do demographics amplify the pressure?
How can you build resilience?
What did Warren Buffet say in his letters?
What did Jamie Dimon say in his forecast?
Why is the shift from pensions to 401(k)s a disaster?
What are the takeaways?
Who needs to hear this?
Would you like meet with Mark or one of Mark’s associates?
How do I join the FREE! Not Your Average Financial Community?

Save the date!
Are you a business owner?
Are you focused on how to fund your life without running out of money?
Would you like to join us in LIVE and in-person for a very special workshop at Hotel Baker in St. Charles, IL?
We’re meeting on the afternoon of April 9, 2026.
Stay tuned for more details and registration information.

In this episode, we ask:

What if running your business was like solving one giant puzzle?
What is your vision of success?
Have you been building the wrong picture all along?
Who is Ciara Stockeland?
Would you like to listen the Inventory Genius podcast?
What happened?
What was the craziest part of Ciara’s ride up?
What does success look like?
What started to implode?
What advice would Ciara give her former self?
Could we do it?
Should we do it?
What about top line revenue?
What should you build your goals around?
Do you know your numbers?
How are your numbers like puzzle pieces?
What does margin look like?
What does profit look like?
What does cash flow look like?
What about learning?
What is the main focus?
What is gross margin?
How are we leaving money on the table?
How is a profit and loss like a rearview mirror?
What one number will you fall in number with?
What about achieving a goal?
How is business like an endurance event?
What about micro-adjustments?
How is every business problem solvable?
What is the bottom line?
What debt are you servicing?
What are your sales goals?
What is the cost of business?
Is the issue top down or bottom up?
What do many business owners look at first?
What happens when businesses fire their bankers?
What practices are there to build?
Does money solve the problem?
Who are you surrounded by in your business?
What does Ciara do?
Do you have a product based business?
How do you clear the overwhelm?
Would you like to reach out to Ciara at Your C-Suite?
Would you like to learn more about Ciara at ciarastockeland.com?
Would you like to listen to Inventory Genius?
What are the takeaways?

Ciara Stockeland is a speaker, author, 4x Ironman and Fractional CFO for inventory based businesses. Ciara has owned and operated a business since her early teens. As a serial entrepreneur, her business mindset and tenacity led her to opening her first store in 2006 which she then franchised. Her vast experience in both retail and wholesale industries led her to launch the first to market wholesale subscription box for boutique retailers, which she built and sold within 18 months. Most recently Ciara has launched the Inventory Genius, a consulting program for inventory-based business owners and has published the books Inventory Genius and Profit Genius, both of which give practical steps for creating more profitability in an inventory based business.

In this episode, we ask:

Is there a nagging worry?
Will the nest egg actually last?
What about efficiency?
What about control?
What about safety?
Do you need to spread your money thin across a lot of baskets?
What is Mark’s core philosophy on planning?
What is the E.C.S. factor?
What can eat through savings like a wildfire?
How prepared are you, really?
What has the average U.S. family saved?
How many years has the typical boomer pushed back retirement?
How much time do you take to plan your vacation?
How much time do you take to plan your retirement?
Who is your coauthor?
When does Mark walk away?
What dilutes your returns in TDFs?
When will you need the money the most?
Is your money locked up?
What does the government force?
What about safety?
What did Grant Thompson say?
What was supposed to be safe?
What about taxes, fees and regulations?
Would you like to listen to Episode 206?
Are there investment fees or other fees on whole life insurance?
Who owns it?
What questions are asked?
What about the growth in the contract?
What about tax?
What about required RMDs?
What about market timing?
What is locked in?
What about dividends and PUAs?
What about creditors?
What about bankruptcy proceedings?
What beats inflation?
What is private?
What is predictable?
What is proven?
How can many families increase their retirement income?
How can you get more upside and less downside?
Are you in the driver’s seat of your financial life?
Is diversification gambling?
What about social proof?
What did Pamela Yellen say in the Bank on Yourself Revolution?
What did Nelson Nash say in Becoming Your Own Banker?
What did the Center for Retirement Research at Boston College find?
What did Ray Dalio say?
What happened in 2008? 2022?
What is uncorrelated?
What did Suze Orman say about whole life insurance?
What does Warren Buffet say in his letters?
Wouldn’t it be nice to reclaim those years?
What about cash value and dividends?
What can you dream?
What can you buy?
What about age?
What about losses?
What about the illusion of safety?
What holding led to 20% greater net worth?
What basket doesn’t crack?
What if taxes went up 10%?
What if taxes doubled?
What about peace of mind?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

What will your retirement party feel like?
Will you run out of paychecks?
How can you boost your income growth?
What about the 4% rule?
What about the Trinity study?
What does this assume?
What about sequence of returns risk?
What did the WSJ say?
What do you really need?
Do you really need reliable cash flow?
What do annuity companies do?
How long will you live?
What about roll up bonuses?
What is the main strategy for retirement income?
Who is READY for retirement?
What about reliable income sources?
What do people hate annuities?
What about pensions and social security income?
What about expense management?
What about adjusting for inflation?
What about dynamic planning?
What about yearly reviews and assessments?
What is this designed to achieve?
Is this supposed to just be a big pile of money?
Who will be there for you?
What is Mark’s goal?
Who will sustain their lifestyle or even get a raise in retirement?
Would you like to access the resource and go to the community page?
What about an example?
What about the 4% rule?
What did Vanguard’s 2023 outlook say?
What is probably the most efficient way of taking retirement income?
What about a case study?
Will your results be different?
Can you buy an income?
What about asset accumulation?
What prioritizes guaranteed income efficiency?
What did Morning Star find in 2021?
What locks in income?
What is retirement all about?
What about a hybrid?
What about distributions?
What is your strategy?
What are the several types of income?
What happens if the market crashes?
What can you keep for life?
Why does efficiency beat accumulation?
What provides an income floor?
Who created the 4% rule?
What does the society of actuaries agree with?
What does this mean for you?
What about the best of both worlds?
How about another case study?
What is the average family retirement?
What are the key takeaways?
What do you think about this? Leave us a comment on YouTube or on the NYAFC community page!

Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?

None

In this episode, we ask:

What happens with subconscious programming?
Who is Len Sanford Jr.?
What is Len’s story?
What are the three Gs?
What did Len get from his family?
How does one become abundant?
Who is waiting on God?
What about what other people think?
Why is it important to Len to Bank on Yourself®?
How is a Bank on Yourself® type whole life insurance policy like a swiss army knife?
How does Len use his policy?
What about opportunity capital?
What did Seneca say?
Are you dependent on someone for something that you can’t control?
What about creating streams of income while you sleep?
What about the mindset?
What about the skillset?
What about the toolset?
What about the wheel of misfortune?
What can you do about it?
Would you like to read Len’s book?

Len Sanford Jr. is the definition of a comeback story. Once a C student, a college dropout, and even homeless, Len rebuilt his life through God, grit, and growth. He built businesses from nothing, beat cancer, and transformed himself through self-education and relentless inner work. Today, he’s an asphalt foreman by day, a real-estate investor by trade, and author of From Overlooked to Unstoppable — a book born from lived experience, not theory. Len now helps high achievers break through invisible ceilings and unlock the performance they didn’t know they had. His mission: prove where you start has nothing to do with where you can rise.

In this episode, we ask:

What do I see every week?
Does AI have good financial advice?
What are some optimal prompts for AI?
• “Compare the historical net returns and liquidity of a properly structured dividend paying whole life insurance policy… versus a total stock market index over a 30 year period… include the impact of a policy loan… assume the company has paid dividends every year since the Civil War era.”
• “You are a skeptical CFP who hates whole life insurance… examine a Bank On Yourself type dividend paying whole life policy… show year by year cash value, death benefit, and cumulative outlay through age 100… then tell me AI honestly if you can find a safer asset…”
• “Model the difference in spendable retirement income for a 45‑year‑old couple with $1.2 million in tax‑deferred accounts… Scenario A: leave money in the market… Scenario B: move into high cash value whole life and fixed index annuities… show after‑tax monthly income and legacy at age 95.”
• “I’m 62 years old with $400,000 in an IRA earning 3%. Convince me why I should consider moving a portion into a single premium Bank On Yourself policy with a long‑term care rider instead of bonds or annuities. Be brutally honest about costs, but also show guaranteed cash value, death benefit, and long‑term care pool at year 10, 20, and 25.”
• “You’re a forensic actuary with 30 years of experience auditing high cash value life insurance policies… compare a generic infinite banking policy… versus a Bank On Yourself authorized policy… show cash value at year 10, 20, and 85… then explain without sugarcoating why one version will have hundreds of thousands more in cash value and death benefit.”
• “Using AG 49 B rules effective 2025, compare a max funded IUL… versus a Bank On Yourself whole life policy… show illustrated cash value at year 20… then show what happens if S&P 500 returns only 5.5% annually… finally explain why the IUL is almost certain to require massive additional premiums or face lapse.”
• “Compare using a $500,000 policy loan from a Bank On Yourself whole life policy… versus a cash‑out refinance on a $1 million rental property portfolio… assume both generate $40,000 annual net cash flow… show total net worth after 20 years… include tenant issues, vacancies, repairs, property taxes versus zero management on the policy side.”
• “Rank the following strategies for a 45‑year‑old couple with $100,000 annual surplus cash flow… A. Bank On Yourself whole life portfolio, B. Rental real estate, C. Stock market index funds, D. IUL, E. Gold and Bitcoin… rank by liquidity, tax efficiency, downside protection, predictable growth, probate avoidance… then declare an overall winner.”
… and more!
Would you like to meet with Mark or one of Mark’s associates?

Would you like to read and review our new book,
The Business Fortress: How to Grow, Protect and Exit Your Business?

None

In this episode, we ask:

Why do people refuse to treat a dollar of income the same as a dollar of wealth?
What is the weird glitch in human psychology?
What does the latest research say?
What about married couples?
What does guaranteed income do to the retirement income puzzle?
Why are many retirees living in voluntary poverty?
What if you wouldn’t run out of money?
What is a 4:1 ratio?
Is a dollar a dollar?
How does the retirement vehicle affect how retirees spend?
What can give you a pay raise in retirement?
What happens to your lifestyle?
What is the rational side?
What is longevity risk?
Will you live to age 97 or beyond?
What causes people to run out of money?
What about locking in guaranteed income?
Who is funding survival?
How could one make longevity risk disappear?
What does “protect principal at all cost!” do to spending?
What about the behavioral side?
Do people treat all money as fungible?
What about loss aversion?
Why do retirees hate to draw down their IRA balances?
What about the required minimum distributions (RMDs)?
What does the law say about turning 73 and holding qualified accounts?
What does the data say?
How about some examples?
What form is your money sitting in, right now?
Who wants to flip the script?
What happens when you delay social security payments?
What is the closest thing to a spending superpower that exists?
What are some practical moves you can take?
What are the takeaways?
Would you like to visit ssa.gov?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What’s an unexpected baby shower gift?
What if your family could chip in?
What are smart tricks?
What about funding systematically?
What about locking in insurability on a baby?
How long have they paid a dividend?
What about compound growth?
What about compound growth from a child’s point of view?
What about your kids needs?
What are the costs?
What about income streams?
What is the arbitrage?
What about the guaranteed increase?
What about the dividends?
What about 529 plans?
What about credit card debt?
What is a stable anchor for your family’s finances?
… and more!

None

In this episode, we ask:

Did you host a lemonade stand as a kid?
What is the spark for real financial freedom?
What about setting up a legacy?
What about teaching the kids how to build wealth?
Who wants to plant an oak tree for the kids?
What about tax free income and tax free lifetime income?
Does this work for adults?
What strategies put you in control?
What is a fixed indexed annuity (FIA)?
How can one supercharge them with Roth IRAs?
Would you like to hear Episode 238?
Would you like to hear Episode 213?
What allows you to contribute overtime with flexibility?
What about losses?
What about gains?
What about compounding?
What about taxes?
What happens to that account down the road?
Do kids get better rates on annuities than adults?
What can Roth IRAs hold?
What are the tax rules?
What about required minimum distributions (RMDs)?
What about earned income for children?
What about a child that earns a W2?
Can you hire your kids?
… and more!

In this episode, we ask:

What if confronting the idea of death could change how we live?
What is a death doula?
Who is Dani Craig?
Would you like to visit the Tend Group?
Where does true well being exist?
What does it mean to die well?
What is Dani’s story?
What about anxiety?
What about intimacy?
What is the thing we do alone?
What happened when Dani’s father, grandfather and niece died?
What about true well being?
What are the services people offer in end of life care?
What is the work?
What about resilience?
What are the takeaways?
Would you like to read The Tend Group-Resilient (End-of) Life Conversation Guide?

In this episode, we ask:

Would you like the option to add an extra bedroom or bathroom to your house?
Would you like a blueprint for maximizing your policy’s potential?
Would you like to hear Episode 142?
What is the minimum annual premium due on the PUA rider?
What happens to the paid up additions rider, and why does it matter?
What is a rider?
What can your policy actually do?
What is a strategic way to boost the value of the policy?
What is a powerhouse of wealth building?
What compounds inside of your policy, forever?
What do they carriers allow?
What can cause the PUA window to close suddenly?
What can you do to avoid this?
What is the “set it and forget it” fix?
What adds to your wealth?
What adds to your death benefit?
What adds to your dividends?
How about an example?
… and more!

In this episode, we ask:

Would you like to hear Part 1?
Why does uninterrupted compounding beat every mutual fund?
Would you like to go to bankonyourselfbook.com to get the new book?
What do Brian Kay, Tim Austin and Pamela Yellen know that other financial gurus have failed to tell us?
How far does the influence of Bank On Yourself® reach?
What is persistency?
What can (and will likely) change in a government sponsored program?
What is the power of uninterrupted compounding joined with liquidity?
What asset can you leverage to take advantage of an opportunity?
What about meeting life’s financial milestones without taking unnecessary risks?
What about taking advantage of unexpected opportunities?
What did Warren Buffet say?
How long will you live?
What is a fail-safe way to protect against running out of money?
How might you secure guaranteed income in retirement?
How is Bank On Yourself® a concept and philosophy that transcends product?
How are these insurers built differently?
Why does Warren Buffett love insurance companies as an asset?
What is built to last?
How do I replace my income?
How might I do it passively?
Would you like to go to bankonyourselfbook.com to get the new book?
What are the action items?

In this episode, we ask:

How can you build wealth safely and predictably?
Who is Pamela Yellen?
Who is Brian Kay?
Who is Tim Austin?
Would you like to go to bankonyourselfbook.com to get the new book?
What’s Pamela’s story?
How did Pamela meet Brian and Tim?
What’s Brian’s story?
Should you turn over your financial independence to other parties?
Should you become your own source of financing?
Should you recapture the interest you have paid to other sources?
Should you be careful with borrowing and debt?
How did Brian meet Tim?
Can paying for college be an affordable reality without taking unnecessary risks?
What’s Tim’s story?
What was happening in the 1980s?
What are the strategies that worked in the 1940s, 1950s, 1960s and 1970s?
How is risk finicky?
Do you have to have debt to get where you want to go?
Do you have to be in the market to be successful?
What about uncertainty?
What about anticipation and preparation?
How might we crisis-proof our finances?
What is the average household debt?
How many people are behind on paying their debt?
What percent of retirees, age 66-71 have debt?
What about medical emergencies?
How many would be able to cover their expenses if they had a one-week delay on their paycheck?
Why is this book necessary?
What are the action items?
Will you join us next week for Part 2?

In this episode, we ask:

What does he know, that we don’t?
What is his net worth?
What does the SEC chair do?
What is the cornerstone of his wealth?
Is this a quiet vote of confidence in life insurance over volatile securities?
What protections does life insurance offer that stocks don’t?
What is a state insurance department?
What are consumer protections?
What reserves are the insurance companies required to hold?
What about reinsurance companies?
What is a state guarantee association?
Why 54 policies? Is this overkill?
Is he diversifying?
What is a life settlement?
What’s the importance of having multiple policies?
What are the benefits?
What gives you tax-free access to cash?
Did you know you are forced to take money out of qualified government accounts by a certain age?
Do required minimum distributions (RMDs) exist in life insurance?
What do retirement researchers like Roger Ibbotson, David Blanchett, and Wade Pfau say about life insurance?
What is the efficient market frontier?
What about the volatility buffer?
What about taking distributions from the life insurance cash value during crashing stock values?
How can a policy be “overfunded”?
How many policies will be enough to buffer volatility?
How about an example?
If one policy is good, are 54 policies better?
What is a modern tool for building resilience?
What is the purpose of each policy?
What about policies with various carriers?
What about different terms on paid up additions (PUAs)?
What about guarantees?
Do you want to meet one-on-one?
What about policy loan rates?
How do the rates vary by company?
What is a 1035 exchange?
Would you like to subscribe to this podcast?
Who needs to hear this?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Where is the problem?
Who are Amanda and Brandon Neely?
What is going on behind the curtain with business owners?
What is the “average system” designed for?
What do most financial advisors do?
What could fix the stress?
If the conventional system wasn’t designed for entrepreneurs, what alternatives exist?
How long has that system been around?
How can you align your values with the right system?
What does this look like?
What about stacking Bank on Yourself® and Profit First?
What is the S.T.I.L.L. Method framework?
How do you approach a problem?
What about the central nervous system?
What about the heart?
Why do I always do this?
Would you like to take the Find Your Flow Assessment?

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 you read Extreme Ownership by Jocko Willink?
How about a lifetime of tax-advantaged income?
What is hard?
How does the Bank on Yourself® strategy differ from a typical market-driven approach like a mutual fund, an ETF, an IRA, etc.?
How about some examples?
Are we completely against the market?
What is the barbell strategy?
What about a better “desk drawer”?
How can you harness compound growth?
What about cash, that’s available to you, whenever you need it?
Could everyone benefit from this?
How does the insurance carrier manage and carry the risk?
What is the non-guaranteed component?
Are the companies in the insurance industry well regulated?
What are the living benefits?
What’s the difference between a typical life insurance agent and an active Bank on Yourself® Professional?
What’s the CFP® designation?
Does a typical CFP® (or CLU®) understand how to correctly structure and design a Bank on Yourself® type whole-life insurance policy?
What does Marvin enjoy?
What can smooth out a lot of things?
How about a case study?
What is the approval process to get a loan from an insurance carrier?
How much do you want, and when do you want it?
Who sets the terms of the loan?
What resonates with Frank?
Do carriers have apps?
Who would these concepts benefit?
How does age affect the growth of a whole life insurance policy?
What is a “sprinter” policy?
What is a “marathon” policy?
How many ways could an advisor design a policy?
Would you like to search on bankonyourself.com?
Would you like to talk with Frank at 630-330-1799 about your specific situation?

In this episode, we ask:

How does financial stress impact mental health?
Who is Frank Herbik?
Who is Randi Paris?
How does money affect married couples, partnered couples and individuals throughout life?
How is a relationship a joint effort?
What about a weekly check-in?
What happens if there is a divorce or death?
What about showing up together?
Why is education and communication important?
What have we learned, and how can we apply this?
Can they receive what I am saying?
Can you hear what they are saying?
Who is the spender, and who is the saver?
What about listening without judgement?
Are we confirming that we are on the same page?
What are some stories of financial stresses?
What happens with job loss and no savings?
How about recovering in a dual income family where there is a job loss?
What are our goals?
How do we get there? Who do we need to contact?
What drew Randi to the Bank on Yourself® concept?
How does one go about developing a legacy and generational wealth?
What about just starting?
How much money will go through our hands?
Do you have an open dialogue with your spouse?
Would you like to contact Randi’s Indianapolis-area team at pariscounselingllc.org?
Would you like to reach out to Frank at 630-330-1799 to discuss your specific situation?

In this episode, we ask:

How does one grow, protect and exit a business with confidence?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What about a higher rate of return?
Can you get a higher rate of return in the stock market?
Why doesn’t my whole life insurance cash value equal what I’ve put into the policy until year 7 or 10?
If your cash value life insurance made zero gains for 10–15 years, would it still be worth adding to your portfolio?
Are tools like whole life insurance and fixed index annuities just backups, or are they essential drivers of your financial plan?
What are the three pillars of financial and retirement success Americans need?
What about guaranteed lifetime income?
What about the magic of mortality credits?
What about smart leverage?
Are these get-rich-quick schemes?
Are these get-rich-for-sure strategies?
So what would you prefer?
What is a contract with your future?
Why do strategies, like Bank on Yourself® type whole life insurance policies, really shine?
Who has paid dividends for over a century, without fail?
What about pairing a Bank on Yourself® type whole life insurance policy with fixed indexed annuities (FIAs)?
What can outperform bonds?
What about protection and yield?
How do fixed index annuities provide lifetime income?
Can annuities outperform bonds in retirement planning?
Why are retirees with guaranteed income happier and less anxious?
What does the 4% rule (or 3% rule) require?
What are mortality credits?
What amplifies growth, safely?
Why do these policies thrive, regardless of market conditions?
What about leverage?
How does cash value life insurance offer leverage?
Can you borrow against your policy and still earn uninterrupted growth?
What is a non-direct recognition loan?
How about an example?
Is there any other asset that can bundle all these benefits together?
What about privacy?
What about structured payouts?
Is there anything else that can do all of this?
How might you outpace most people with a Bank on Yourself® type whole life insurance policy and fixed indexed annuities?
What are the challenges of low rates?
What are the takeaways?
Who should you share this episode with?
Would you like to meet with Mark or an associate to discuss your specific situation?

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In this episode, we ask:

What is the shadowy-underworld of crypto scams?
What about the right applied knowledge?
Have you seen web3isgoinggreat.com?
How much crypto-related fraud is happening?
Who has thought they cracked the code with crypto?
How about a case study?
What is the pig butchering scam?
What about bogus trading platforms?
Who is actually buying crypto?
How much real money has vanished to these schemes?
What is crypto’s siren song?
What do they promise?
What about FTX?
What about Sam Bankman-Fried?
Why is crypto’s anonymity a scammer’s dream?
Why is the blockchain at a loss for tracking crypto?
What did the 2023 report say?
What is Mark’s experience with clients losing money on scams?
What are some signs it’s not a good website?
What about celebrity endorsements?
What did the FTC shut down in 2024?
How does AI affect this?
What does Warren Buffet say about crypto?
What about Virtual Ponzi Schemes?
Is any of this new?
Is it even worse?
What are the red flags?
How might you protect yourself and your loved ones?
What about slowing down?
Is it too good to be true?
How do real investments actually work?
How about typos?
What about the https:// protocol on websites?
Have you checked the whoisdata?
What about psychological manipulation, using FOMO (the fear of missing out)?
What about seduction and romance?
What about pressure tactics or blackmail?
Do real opportunities vanish overnight?
Do you feel so special?
What about elder fraud?
Do the scams exploit your emotions?
Do you need to report a scam or fraud?
Do you need to speak with a financial advisor?
What is your shield in the Digital Wild West?
Would you like to join us in the FREE Not Your Average Financial Community?

In this episode, we ask:

Would you like a practical guide to building a resilient business?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What was so scary about Frankenstein’s monster?
What is Variable Universal Life (VUL)?
What is the nightmare twist?
What are the risks of VUL policies?
Why did VUL policies decline in popularity after the 1990s?
How many VUL policies lapse each year?
What are the hidden costs inside a VUL policy?
What happens when a VUL policy lapses?
What is a sub-account in a VUL policy?
What is an expense ratio?
Why is 2-4% so bad?
Why are VUL sub-accounts more expensive than regular ETFs?
What about capital gains tax?
Why do advisors push VUL policies to high-income earners?
What about the 7702 section of the tax code?
Is VUL a good tax-advantaged investment?
What happened to the S&P in 2002?
What happens to VUL policies during a market downturn?
What is the net amount at risk?
What happens when the markets dip?
How does market volatility affect VUL insurance policies?
What is a death spiral in VUL insurance?
Can VUL costs increase during retirement?
What about the total annual fees in a VUL policy?
How do VUL fees compare to whole life insurance?
What is the total drag on a VUL policy?
What is a Bank On Yourself® whole life policy?
What are the benefits of whole life insurance vs. VUL?
What happened to VUL policies during the .com crash?
How did VUL policies perform during the 2008 financial crisis?
What about class action lawsuits?
What are the risks of borrowing from a VUL policy?
What is negative arbitrage?
Why do VUL loans often result in poor returns?
Why do insurance companies discourage fixed account use in VULs?
What are the downsides of VUL fixed accounts?
What does the SEC say alerts say about VUL illustrations?
Why is a Bank On Yourself® whole life policies far superior?
Have you seen The Hunchback of Notre Dame?
What is a fixed index annuity (FIA)?
What did the 2002 Morning Star report say?
Can fixed index annuities replace VUL for retirement planning?
Do you own a VUL? Would you like to know how to audit your VUL policy?
How about a case study?
What should you look for in a VUL in-force illustration?
What happens when VUL cash value drops significantly?
Can VUL policies collapse due to market losses?
Why are VUL loans problematic during market downturns?
What are the loan interest rates in VUL policies?
Why is VUL unsuitable for retirees?
What are the risks of managing a VUL policy with age?
What are the benefits of whole life policies for long-term care?
Can whole life insurance help with medical expenses?
How does a fixed index annuity provide retirement income?
What are the top alternatives to VUL policies?
Can you transfer a VUL policy to whole life insurance?
Why does the SEC say that VUL policies are unsuitable for nearly everyone?
What is SWAN money?
What are low-risk retirement strategies?
What are the takeaways?
Who needs to hear about this?

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In this episode, we ask:

Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
Why is serving others a wealth accelerator?
Who is Steve Ramona?
What is Steve’s story?
How might we remember names?
What do people care about?
Would you like to read The Wealthy Barber by David Chilton?
What is the value of networking?
What business are you in?
How do we bring value?
How might I serve you?
What do people do when they give gifts?
What is abundance mentality vs. victim mentality or mindset?
What is the ASLA principal?
What about listening?
What are you passionate about?
How does one get over fear?
What about giving back?
What does “slow is smooth and smooth is fast” mean for your finances, relationships and business?
Would you like to watch Steve’s show, Together We Serve?
What are the takeaways?
Would you like to join the FREE Not Your Average Financial Community?

Steve Ramona discovered his calling at a young age and is now on a mission to share his secret sauce for success. He thrives on forging meaningful connections, sharing referrals, and watching people flourish. His contagious passion for the Law of Increase makes his podcast Doing Business with a Servant’s Heart so successful. This show is chock-full of inspiring stories about overcoming challenges and serving others.

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The Wealthy Barber, Updated 3rd Edition: Everyone's Commonsense Guide to Becoming Financially Independent

In this episode, we ask:

Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What does a CFP® and a Bank on Yourself® Professional think about?
What’s really going on here?
What’s the difference?
Why does it matter?
What about the aggressive portfolio?
What about the growth portfolio?
What about the conservative portfolio?
Who is vaporizing their future capacity to recover?
Have you ever been shocked at your financial statement?
What will outperform?
How much would you have to make this year if you lost 18% last year?
What is the math of compounding losses?
What is the hidden cost of chasing higher rates of return?
How about a thought exercise?
How much would you need after fees and taxes?
How might one lock in gains?
What is underwhelming?
What is absolutely guaranteed in the stock market?
What does the average stock market investor net?
Based on Morningstar’s reports, how on earth is it only 1.4%?
What can reduce the likelihood of outliving your money?
What’s the worst thing that can happen?
What’s the most crucial?
Why does timing matter so much?
Is 10% with a 30% drop still 10%?
How often is the market going to give you 43% gains?
What about a client’s case study?
Is a linear path better than a volatile path?
Have you learned this lesson, after it’s too late?
Does high risk lead to high reward?
What’s wrong with settling for 6%?
What about the opportunity cost?
Is volatility the same thing as risk?
What about human behavior and human instincts?
Are we more predictable than we realize?
Is it all about gambling?
How might one overcome the volatility?
What about no big losses?
What about steady growth?
What about a death benefit?
How could a boring whole life insurance policy beat chasing the market?
How much can you pull out annually in retirement?
What about the 4% rule?
What adds significant risk?
What is perfect for stability?
Who is thinking differently about their money?
What are the takeaways?
Are your returns just myths?

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In this episode, we ask:

Would you like to hear from Evan Greathouse on how to work with the ticking tax time bomb?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What about avoiding MEC status (modified endowment contract status)?
Who is Evan Greathouse?
What happened to Evan’s client who lives in a high tax state?
What is qualified money?
Who has a tax problem?
What are the options?
What about the required minimum distribution?
What is the age 59 1/2 rule?
What is the tax plus penalty zone?
What happens if you wait too long?
Who gets penalized 50%?
What happens if you pass away with a 401(k) or IRA?
What are the non-spousal beneficiaries forced to do?
How do inheriting adult children pay the tax on the inherited qualified account benefit?
Why does the lion share of the inheritance go to I.R.S.?
What would be more tax efficient?
What would offer more accessibility?
What is MYGA laddering?
What is a multi-year guaranteed annuity (MYGA)?
What is laddering?
What continues earning interest?
How does a MYGA compare to a CD?
Would you like to hear Episode 280?
Did the MYGA kill the CD?
What’s the structural idea?
What are the logistics?
Is this overly complicated?
Why ladder? Why not do one big solution?
How does this ease the tax burden?
What is a modified endowment contract (MEC)?
Would you like to hear Episode 121?
Who is a good fit for this strategy?
Who is NOT a good fit for this strategy?
Is the plan contractually guaranteed to work?
What about the importance of liquidity?
How did Evan come up with this genius move?
What is Evan’s process with clients?
Would you like to reach out to Evan? Email at evan@greathousefs.com
Would you like to schedule a 15-minute introductory call with Evan?
What are the takeaways?

Evan Greathouse is a trusted Bank On Yourself® Professional who empowers individuals nationwide to achieve lasting financial independence. He specializes in the Bank On Yourself® strategy, helping clients build wealth with uninterrupted growth, liquidity, and tax-free, penalty-free access to cash whenever they need it. With a strong foundation in business management and real estate, Evan combines practical experience with a passion for financial wisdom. He is dedicated to guiding clients through their financial journeys with clarity, purpose, and integrity. Rooted in faith, Evan believes that a strong ‘why’ can conquer any ‘how’ and strives to help others align their financial decisions with their greater purpose. Above all, he values his relationship with God, his wife, and their three children.

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In this episode, we ask:

Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
Would you like to give us feedback on the FREE! Not Your Average Financial Community?
How could the system be fixed?
When was the Federal Reserve started?
What happened in 1913?
What has happened since?
What happened in 2008?
What happened to the money supply during COVID from 2020-2022?
What about inflation?
What about compound interest?
Why have young couple delayed buying homes and having kids?
What about the booms and busts?
What are the mental and physical health issues tied to these issues?
Is this a rigged game?
Is this a matter of life and death?
How do we peg the dollar back to market rates and gold?
Can anyone swap dollars for gold?
Can we reduce electronic liabilities?
What about blockchain?
What about the FDIC?
What about bailouts?
What about better scrutiny?
What are the bank’s financials?
Who is holding true reserves?
What is fractional reserve banking?
What do most people NOT realize?
Is stable money ahead?
What are other economists saying?
What about Ludvig von Mises?
What do the bank’s panics look like now?
What did America use before 1913?
Why did they call it the Gilded Age?
What is self regulating?
What has gone up 50x?
How does this apply to personal action?
How do Bank on Yourself® type life insurance policies fit into this?
How about some case studies?
What about the distortion?
What about the dot com and the housing bubbles?
What did the later audits reveal?
Does a gold standard eliminate this?
Does arbitrage correct it?
What would keep prices stable?
What is a hidden tax on the poorest among us?
What about the Fed’s role in 1929?
What happened in 1971?
What happened to the currency in Turkey?
What could work?
What happens as the treasuries mature?
What’s the cultural impact?
What are the takeaways?

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In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What is the big storm brewing?
What about the U.S.’s addiction to short term debt?
What about money printing?
What about rising bond yields?
What about a ballooning national debt?
What’s coming next?
How can you put yourself in the driver’s seat?
What happened in 2008?
What is quantitative easing (QE)?
How much did they print?!
What about QE infinity and beyond?
What about the generational impact?
Who won?
Who lost?
Is the system rigged?
How much is the U.S. National Debt?
When will social security run out?
What about Medicare costs?
What about interest on the national debt?
What about the six-month treasury bills?
Is the government running out of lenders?
Who is the last one standing?
What happens when they print money?
What about foreign buyers?
What about retail inflation?
What about real estate?
Do you have time to spot the signals and act in advance?
How do whole life insurance policy loans act as a hedge against inflation?
Could the dollar strengthen?
What would happen to whole life insurance policy holders?
Who is qualified to structure your plan appropriately and correctly?
What are the takeaways?
Who needs to hear this episode?

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In this episode, we ask:

Have you ever been on a roller coaster that dropped so steeply that your stomach flipped, and just when you think it’s over…?
What if there was a way to enjoy the upward momentum of the market without all of the terrifying drops?
Are market events and crashes black swan events?
If someone was stealing 20% of your cash out of your bank every couple of years, what would you do?
Who would move the money to another bank?
When are you ever not going to need money?
Is your strategy vital, over the long term?
Do you have a sense of the major events in recent market history?
Who is losing money?
How often is the market really dropping? What are the implications of this?
What about the sequence of returns risk?
How might one tame volatility?
What about loss aversion?
Is your retirement vaporizing because of someone’s whims on Wall St.?
What about panic during market downturns?
How does one live on reduced retirement income?
If you lose 50%, do you need 50% or 100% to rebound just to get back to even?
What are the major market crashes of recent history?
Could anybody hold on throughout all of that madness?
What about beginners? What about the advanced?
What is the key insight to all of this?
What about preserving your principal?
What about compound growth?
What about having a financial fortress?
What are some one things to try?
What do these insights mean for you and for your long-term financial life?
Are you confident in having a guarantee in your portfolio?
What is the shield against the storm?
What is the ease of a fixed indexed annuity?
Am I doing what I need to do with my money?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What are some next steps and takeaways?

Screenshot

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In this episode, we ask:

Would you like to read our new book, The Business Fortress?
Have you ever watched a rocket takeoff?
What are the tools that I use?
Have you read Atomic Habits by James Clear?
What did the study in the journal of Applied Psychology say?
How do small changes lead to a big impact?
Have you read Mindset by Carol Dweck?
What could you do instead?
What is an After Action Review (AAR)?
What could you do for 5 minutes every day?
What is the K.I.S.S. principle?
What will you keep?
What will you improve?
What will you start?
What will you stop?
What about DayOne or Notion?
Would you like to share your AAR on the Not Your Average Financial Community?
Would you like to get a full focus planner (Michael Hyatt’s Full Focus Store | Amazon)?
What about using the Pomodoro method technique?
What about apps like the Headspace Meditation app?
What is the ICE Matrix?
What about impact? How much will the idea contribute to your goals?
What about confidence? How sure are you that this will succeed?
What about ease? How simple or complicated is this to implement?
Does this goal align with your values?
What are the action items and takeaways?

Mindset: The New Psychology of Success

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Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones

In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read the Business Fortress book?
Is napping the unsung hero of the universe?
What about the seasons of life?
How do financial tools and strategies work over the seasons of life?
Is there a tool that meets every application with every stage of life?
Wouldn’t that change everything?
Is whole life insurance a one-size fits all tool?
What about children?
What about guaranteed insurability?
What about building cash value?
What about intergenerational wealth?
What about singles?
What about lower premiums (when you’re young and healthy)?
What about borrowing against cash value for life needs?
What about debt protection?
What about a small term policy?
What about newlyweds without kids?
What about building a life together?
What about the debt SnowBank method?
What about mortgage pay down acceleration?
What about paying off your entire house with your policy?
What about lifestyle preservation?
What will happen to the surviving spouse?
How about parents who are married with children?
What about income needs?
What about education funding and college costs?
What about lifestyle protection?
What about an emergency fund?
How about empty nesters?
Should I drop my life insurance?
What is a myth?
What about pension maximization?
What about a joint life pension?
What about single life pension?
How do we fix that problem?
What can be tax free?
Is it just about the kids?
What is a safety net and a wealth building tool?
What about legacy planning or equalizing an inheritance?
What about children in the family business?
What about leaving the estate to the children?
What about replacing your group insurance?
Does your life insurance go away when you leave your employer?
What about retirement income supplementation?
What about seniors?
What about final expenses?
What about social security replacement?
Will you leave gifts?
Will you leave a legacy?
What is the ADBR (accelerated death benefit rider)?
Can you age in your home?
What about federal and state taxes?
What about estate tax?
How fast will the estate tax be due?
What about business owners and life insurance?
What is the secret weapon?
What are the takeaways?
Would you like to see the chart PDF at our FREE Not Your Average Financial Community?

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In this episode, we ask:

Do you know how to grow, protect and exit your business with confidence?
Who is David C. Barnett?
Did you know we wrote a new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What happens when…?
How do businesses survive the long-haul?
What fortress is built around your business?
What about business lines of credit?
What about a more resilient mindset?
What core competencies does it take?
Why do entrepreneurs tend to be too optimistic?
Why would a business owner want to buy their own property?
What about managing risk for yourselves?
Is real estate an asset or a liability?
What about Walmart?
How do small businesses treat debt differently?
What is another common trap?
What is one of the clearest success signs in a small business?
What about a case study?
What is corporate-owned life insurance (COLI)?
Why did David and Mark write this book?
Are we through the volatility and opportunity?
Who is sitting on liquid piles of contingency capital?
Who is this book best suited for?
Who is not ready for this book?
Have you read the book?
What do you think about the book?
How did this book help you in your business?
Would you read the book and leave us an honest review on Amazon?
Would you like to receive bonuses by sending us a screenshot of your Amazon review to hello@nyafinancialpodcast.com?
Would you like to visit davidcbarnett.com?
What are the takeaways?

David C. Barnett is a small business transaction expert based in Canada who works with entrepreneurs across the globe. Through online consulting, training programs, and valuation services, David helps business owners buy, sell, finance, and improve their companies. With over two decades of experience, he’s facilitated dozens of business deals and advised hundreds of clients worldwide.

He’s the author of 10 Amazon-listed books on topics like business buying, local investing, and franchise pitfalls, and he hosts a YouTube channel with hundreds of videos unpacking real-world issues for small business owners and specializing on buy/sell transactions. He loves to have frank conversations about small businesses and the process of making deals for them. HowToSellMyOwnBusiness.com

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In this episode, we ask:

Are you a small to mid-size business owner?
Would you like to read Mark’s new book, co-authored with David Barnett, The Business Fortress: How to Grow, Protect and Exit Your Business with Confidence?
Who is Adam Zuckerman?
Do you have a will?
Do you have a trust?
Do you have an attorney?
Do you have a financial planner?
Do you have a CPA?
What is the story behind the words Buried in Work?
What is the reality when someone passes away?
Does everyone already have an estate plan?
Who is in control of that plan?
Do you have funeral plans in place?
What are the frameworks found on Buried in Work?
What is the estate planning pyramid?
What’s Adam’s story with life insurance?
What is the CLEAR kit?
What should your family do?
Is there a checklist?
What or who needs to be paid?
What are your succession plans for the business?
What happens next?
What are the information hubs?
How might I find the words to have this challenging conversation?
Do you have advanced directives in place?
What happened in the hospital?
What about the card deck?
Do you need an attorney?
What situations don’t require an attorney?
Do you have a trust?
Is the trust funded?
Where does one start?
Would you like to visit buriedinwork.com?
What are the takeaways?

Adam Zuckerman (JD/MBA) is the founder of Buried in Work, a leading resource that helps individuals, families, and businesses simplify estate planning and end-of-life tasks.

Buried in Work’s resources include more than 150+ information hubs, 2,000+ articles, 100+ checklists and guides, service provider directories, a podcast, and innovative tools like the Executor’s Summary Report, CLEAR Kits, and card games that facilitate meaningful conversations about legacy and preparation.

Adam’s mission is simple yet powerful: to make life’s hardest moments a little easier by helping families get organized, communicate openly, and prepare comprehensively for the unexpected.

Learn more at www.BuriedInWork.com.

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In this episode, we ask:

Would you like to read Mark’s new book, co-authored with David Barnett, The Business Fortress: How to Grow, Protect and Exit Your Business with Confidence?
What are the three musicians?
How are annuities like Weird Al Yankovic?
What are annuities, anyways?
How much income do you want a year?
What are fixed indexed annuities?
What’s the catch?
What’s the upside?
What’s enhanced flexibility with withdrawals?
What’s a great feature for dealing with unexpected expenses?
How about an example?
What about new calculation methods?
What about the highest daily value method?
What about the performance trigger method?
What if you can have your cake and eat it too?
What about the income flexibility benefit?
Why are these features coming online now?
Who is not the right fit for an annuity?
What are the takeaways?

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In this episode, we ask:

Would you like to read Mark’s new book, co-authored with David Barnett, The Business Fortress: How to Grow, Protect and Exit Your Business with Confidence?
What is this 10-year window?
Who is Grant Thompson?
Would you like to hear Episode 357?
How does the Bank on Yourself® type whole life insurance policy actually work in retirement?
What are the passive income years?
What about the one trick ponies?
What about social security?
What could cause that to reduce in the future?
Where should one draw money from for income and/or a buffer?
What do you need to have in retirement?
What about multiple streams?
What is the foundation of the house?
What is the Swiss army knife?
What about peace?
What does it take to have a true plan?
What are some examples of how clients use the policies?
What about taking money with tax efficiency?
What about the five years before retirement?
What about the five years after retirement?
Am I going to run out of my income?
What about leaving a legacy for the family?
What about inflation?
What needs to be on the guaranteed level?
What happens for those who have everything in the market?
How can one reduce pressure in retirement?
What about purpose?
What is a buffer asset?
Would you like to hear Episode 194?
What about borrowing against the policy?
What about long term care?
Do you have to die to win?
What about the 1035 exchange?
What about moving money from a life insurance policy to an annuity?
What about costs increasing?
What do you want your money to do for you?
What if you don’t need more income?
What about setting up something for the kids?
What about pensions?
Can you give yourself social security benefits?
What about your estate?
Is there someone you love so much at the IRS that you want to send them a bunch of money?
Is there someone you love so much at the assisted living facility that you want to send them all of your money?
What will check off many of the boxes?
What assets will you have left upon death?
What are the takeaways and action items?

Grant Thompson works with families and their businesses nationwide. The Thompson & Thurman Agency works with families who share in their vision and want to become financially set for life without taking unnecessary risks. With so much misinformation in our financial world today, families really need guidance and direction to find the true path to financial freedom. Grant, Chris and their team of trusted advisers nationwide have are leading the way to meet that challenge. Grant is married to his wife Kathy and they have 2 sons Blair and Blane along with his wife Brittany. Grant enjoys spending his spare time with his family at reining and cow horse competitions plus trying to squeeze in a shooting competition every now and then with his sons. Reach out to Grant at grant@thompsonthurman.com or call Grant at (806) 352-3480.

None

In this episode, we ask:

Do you have a mortgage?
What about the hidden potential within the walls of your home?
Would you like to hear Episode 157?
What’s been going on with the mortgage industry recently?
What are the hidden costs of home ownership?
What is a home equity line of credit (HELOC)?
What is a closed-end second mortgage?
What are the disadvantages and risks of a HELOC?
What about a cash out refinance?
What are the options?
How about some examples?
What are the risks?
What are the takeaways?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

Matthew Shanlian is the Vice President of Lending for Crosscountry Mortgage, LLC. the Largest independent mortgage bank in the United States. For the past 15 years, he has focused on educating and supporting the financial services industry and their clients. Matthew travels the country to train financial professionals on Strategic Equity Planning for their clients. He believes that the having a plan for your home is paramount to a building wealth.
Reach out to Matt Shanlian | Call Matt at (330) 414-8856

In this episode, we ask:

Is a deferred sales trust (a DST) a magical tool?
What about deferring capital gains tax?
Who is Brett Swarts?
Would you like to listen to Episode 181?
What about Taxifornia?
How does a 1031 exchange trap you into selling high and buying higher?
How is the 1031 exchange like a 401(k) tax deferral?
What is the account for?
How about a case study?
What about hitting a home run?
What about getting time back?
What about cash flow increase?
What about clearing time, energy and brain space?
What about diversifying out of highly concentrated assets?
How is truly passive income linked to your freedom?
How is compound interest linked to your money?
What about the wealth of relationships?
What about the wealth of the spiritual?
What about peace of mind?
What is an R.O.E. calculation?
How much will the government take out?
What is my truly passive income number?
What about lending?
Who wants to guess about their income or retirement income numbers?
What about the contract as the basis for wealth creation?
What are the risks?
What are the takeaways?
What about a return on equity or R.O.E. calculation?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

Brett Swarts is a best-selling author of “Building a Capital Gains Tax Exit Plan”. He is host of the Build it to Billions & Capital Gains Tax Solutions Podcasts. His insights have been featured at the Best Ever Real Estate Conference, DLP Capital Conference, American Entrepreneur with Kevin Harrington from Shark Tank, and also seen on Fox Business Network. As a real estate broker, his expertise is one of the few in the world who has closed Deferred Sales Trust, Delaware Statutory Trust, and 1031 Exchanges. He is the Founder of Capital Gains Tax Solutions where he teaches purpose-driven entrepreneurs and investors to build their capital gains tax exit plan to multiply their freedom, wealth, and impact. He has closed over ½ Billion in DST and Real Estate Transactions and he was the first to help Bitcoin owners exit millions of gains and defer their capital gains tax using a DST. brettswarts.com

In this episode, we ask:

Have you come out unscathed?
Is it real?
Is it a scam?
Who is Terri Lea Gardner?
What has Terri learned?
What are the top frauds and scams today?
What do the scammers target?
How much is lost on phone calls, social media and email scams?
What about the toll road scam?
What about the warrant scam?
What about the posts on social media?
What about the email PayPal scam?
What about malware or viruses?
What about the QR codes?
How many fall victim to the scams?
What generations are more likely to get caught in these scams?
What is the issue?
What is on the other end of the link?
What should you do with a suspicious email or text?
When should you change your passwords?
What about password managers?
What about staying educated?
What about AI fake video technology?
What about talking with elder parents?
What was Terri’s first fraud case?
What about the fake “family member in jail” call?
What about retaliation?
What are the tips and tricks to lock down one’s identifying information?
What about reporting it to the police and the IRS?
What are the action items?

Terri Lea Gardner is a seasoned law enforcement professional with 35 years of experience in investigative work, specializing in waste, fraud, and abuse investigations. She holds a Master Peace Officer License and has dedicated 17 years to the Office of Inspector General (OIG), focusing on high-stakes fraud detection and prevention.
Terri earned both her Master of Science in Criminal Justice Leadership (2019) and Bachelor of Science in Criminal Justice & Forensic Science (2016) from Sam Houston State University. As a Certified Fraud Examiner for over 12 years, she has been at the forefront of fraud investigations, uncovering complex financial crimes and helping organizations mitigate risks.

Her passion lies in educating others on fraud prevention, equipping individuals and businesses with the knowledge to protect themselves from financial deception. Through her expertise, Terri empowers others to recognize, report, and prevent fraudulent activity, ensuring a more secure and ethical financial landscape.

In this episode, we ask:

Who will you become?
Do you or your loved ones have a TSP or Thrift Savings Plan?
Who is Amanda Neely?
Would you like to hear Episode 113 or Episode 362?
What has Amanda learned as an author?
What about joy and peace?
What did Amanda discover?
Do I need to do something different than what my parents did?
What is a TSP, and how is it different than a 401(k)?
Is a TSP essentially a government employee’s 401(k)?
What about the match?
What is the difference between a traditional and a Roth?
What are the advantages and disadvantages?
What are the different funds?
What about the fees?
What are you actually invested in?
What happens with a loan in a 401(k)?
What happens with a loan in a TSP?
Who wants to be double taxed on the same dollar?
What are your choices?
How about an example?
What are the restrictions?
What happens with a surviving spouse?
What can be quickly locked down?
What about taxable withdrawals?
What about non-spousal beneficiaries?
What are the tax implications?
What about a delayed death certificate?
How savvy are adult children?
What if you’re under age 59 1/2?
What if you’re older than age 59 1/2?
When is your TSP free?
What happens to federal employee group life insurance?
What happens if you don’t have a plan for your assets?
What’s the government’s plan for your assets?
What happens when you have a will?
What about probate?
What happens when you have a trust set up?
How can you reduce the drama for your family members?
What about financial wellness?
Would you like to join our FREE Not Your Average Financial Community and private message Amanda Neely?
What are the takeaways?

Amanda Neely is a CFP® (CERTIFIED FINANCIAL PLANNER®) professional and CEO of Wealth Wisdom Financial. She makes financial planning more accessible through podcasting and through developing personalized financial strategies for individuals and couples, as well as profitability strategies for small businesses. She works virtually to help everyday Americans all over the United States to create smart, stable financial futures.

Wealth Wisdom Financial
Book a Call with Amanda Neely

In this episode, we ask:

What made America special?
Who was Arnold J. Toynbee, and what did he study and conclude?
What were the British facing in the mid-18th century?
What really bugged the Americans?
What about adaptation and innovation?
What about responding in creative ways?
What about reimagining?
What about self-governance?
What about agency?
What are some of the challenges we face today?
What about responding with rigidity and control?
What about responding with creativity, adaptability and innovation?
What are the major risks?
What about the class systems?
What is the American experiment?
What about the top 1%?
What about collective responses to challenges?
What about the national debt?
What about clinging to outdated systems?
What about technological disruption?
What about rags to riches?
What about the ability to move between economic classes in the U.S.?
What could derail years of careful planning?
What did Toynbee say about failing to respond to challenges?
What are the chances to innovate?
What about personal resilience and agency?
How might one forge ahead and create real wealth?
What is the resilient mindset?
What are the tools?
How is the Bank on Yourself® strategy and mindset a Declaration of Financial Independence?
How does owning your own Bank on Yourself® type whole life insurance policy free you from financial traps?
How might you break free?
What about Walt Disney and J.C. Penny?
What about John D. Rockefeller? Did he own whole life insurance?
Would you like to listen to Episode 66?
What about IRS section 7702?
Is Bank on Yourself® as American as fireworks, fried chicken and apple pie?
What are the takeaways?

In this episode, we ask:

Do you remember the neon-colored push pop?
What executive order did FDR sign regarding gold?
Why did he prohibit gold?
What were the consequences for noncompliance with the order?
What happened in the early 1970s?
What’s happening with Bitcoin today?
What is gold’s status this year?
What are the risks?
Who is Dana Samuelson?
What’s Dana’s story?
When did Dana get a lucky break?
What happened in the early 1980s, and what was found in the vaults?
Why have the precious metals stood the test of times?
What about King Tut’s burial mask?
What are the properties of gold?
What about the characteristics of silver?
What happened when the U.S. Mint was established?
What happened during the gold ban in the U.S. from the 1930s to 1970s?
What happened after World War II?
What is FIAT currency?
Is gold considered money?
What is the definition of money?
What about copper-nickel?
What changed from 1964 to 1965?
Does gold hold its purchasing power over time?
What has happened with gold and metals in recent history?
What about the central bankers?
Who fundamentally drives the gold market?
What did the WSJ say about gold as “Nature’s Bitcoin”?
When was the last time we had a federally balanced budget?
Does gold climb the wall of worry?
What is counter-party risk?
How many oz of gold would it take to buy the Dow?
What about buying houses?
What are some tools and tips for physical metals?
Are you buying legitimate gold?
What about sovereign minted coins?
What are the risks of buying online?
Who can you trust?
Where can you find legitimate dealers?
What about private storage facilities?
What about a treasure map for the heirs?
What about a decoy safe?
How do dealers make a profit?
Why is Bitcoin so much more volatile than gold?
How much has gold averaged over the past few years?
What about the Lindy Effect?
What is Bitcoin’s edge?
To what is Bitcoin correlated?
What are the problems?
What is the advantage of silver?
What stands the test of time and what falls to volatility?
Would you like to reach out to Dana Samuelson at American Gold Exchange?
What are the takeaways?

Dana Samuelson is the Founder and President of American Gold Exchange (AGE), a leading national precious metals and rare coin company specializing in dealer-to-dealer trading and direct-to-consumer sales.

He has been active in the physical gold and silver markets for 43 years and is a nationally recognized expert on vintage, pre-1933 US gold and silver coins. Email American Gold Exchange at info@amergold.com.

In this episode, we ask:

What can be intimidating?
What about big, life-long decisions?
How do dividends work?
How can you regain certainty, control and safety in the midst of a very uncertain world?
What did Mark learn in school from his math teacher?
Who does Mark have great respect for?
What takes courage?
How have the stock markets done this year?
What is a dividend?
Are dividends on stocks guaranteed?
Who is showing a dividend cut?
What is the problem with dividend cuts in retirement?
What about dividends paid out from life insurance companies?
What are the factors involved in dividend calculations?
Are you an owner?
What is a return of premium?
Are dividends taxable?
What’s the difference between the dividends and the non-forfeiture guarantee interest rate?
What is the most important thing about dividends?
Are dividends a marketing ploy?
Are dividends a sign of a company’s health?
Are dividends guaranteed?
What are the guarantees in the contract?
Can life insurance suffer from shrink-flation?
What is the most frustrating thing about dividends?
Is there a uniform industry standard for calculating the dividend rate?
What is the real test of real financial strength?
What should you look at when evaluating insurance companies?
Can the company maintain its profit margins?
Would you like to see the chart on YouTube or schedule a time to talk with Mark about the chart?
What can be very misleading?
Will that dividend repeat itself every year for the rest of your life?
What about steady performance over time?
What can I do with my dividends?
What about using the dividend to purchases paid-up additional insurance (PUAs)?
What about using the dividend to pay part or all of your annual premium?
What about using the dividend to pay down a policy loan?
What about letting the dividends earn interest with the insurance company?
What about taking the dividends as a check in the mail?
Does the cash value continue to grow?
Where else could you access your dividends and still have continuous, uninterrupted compound growth?
What are the takeaways?
What is the history of dividends?
What are the guarantees?
What are the dividend options?
Would you like to read the article, 7 Reasons Why Banking on Yourself Makes Sense?
Would you like to meet with Mark?

In this episode, we ask:

Is it a knockoff?
Can you imagine this?
Does it provide security or chaos?
Who is Brandon Neely?
What did Brandon learn at the I.B.C. Think Tank?
What changes have happened in the last few years?
What impact does Nelson Nash’s work, Becoming Your Own Banker still have?
What are the challenges of maintaining Nelson Nash’s original vision in today’s financial landscape?
What about Pamela Yellen’s effort to preserve Nelson Nash’s ideas through the Bank on Yourself® Professional program?
What is the biggest risk with a whole life products?
Do you have an advisor who is giving you bad advice?
Would you like to hear Episode 253?
What makes Brandon unique?
What changed Brandon’s life?
What’s the history?
What were Nelson’s strengths?
What should every business owner read?
What did Pamela Yellen notice?
What’s the risk of listening to a social media infotainer on Infinite Banking?
What has Brandon seen with clients who have fallen for IULs from an advisor claiming Infinite Banking expertise?
What about the IP and trademark of Bank on Yourself®?
What do red flags sound like?
What are some examples?
What’s important to know?
Why is working with a Bank on Yourself Profressional® crucial?
Would you like to hear Episode 95 and Episode 96?
What are the takeaways?

Brandon Neely is an entrepreneur, Profit First and Bank On Yourself® Professional, and the co-host of Wealth Wisdom Financial Podcast with his wife Amanda Neely.

They founded and managed Overflow Coffee Bar, L3C from 2008 through 2018. Now, they share their experiential knowledge through podcasting and through developing personalized financial strategies for individuals and couples and profitability strategies for businesses.

Wealth Wisdom Financial
Book a Call with Brandon Neely

In this episode, we ask:

What questions do you have?
Would you like to join our FREE! Not Your Financial Community?
Can someone use an annuity to roll money out of a qualified plan like a 401(k) or an IRA? Is this for people over 59.5 or younger than age 59.5? Can you get money out of a 401(k) and into a life insurance policy?
What about the tax bill?
What about the early 10% withdrawal penalty?
What about paying off a debt?
What about rolling over into a fixed indexed annuity inside of the IRA?
Would you like to hear Episode 172?
Can I get accumulation and guarantees on an annuity without taking income on it?
What about MYGAs (multi-year guaranteed annuities)?
Would you like to listen to Episode 280?
Would you like to meet with Mark?
What is an enhanced index option?
What is a SPIA (single premium indexed annuity)?
What call has Mark never had to make?
What about an annual income?
How is this better than CDs or bonds?
What is the refund option on a SPIA?
What is the best way to take income on the cash value of a policy?
What happens with withdrawals?
What is the cost basis?
What are the tax implications?
What happens if you take the gains out?
What about taking a loan from the policy?
What happens to the death benefit when you take a loan?
What does your beneficiary receive upon death?
Our adult child lives on his own, and since we are uninsurable, can we get a policy on him?
What are the limits?
What is the insurable interest?
What about gifting premium?
What about a joint trust?
Do you offer comprehensive planning beyond setting up Bank on Yourself® type life insurance policies correctly?
Would you like to join our FREE! Not Your Financial Community?
Do you like mailbag episodes?
What questions do you have?

In this episode, we ask:

Are you in the daily grind?
Do you need a better strategy?
Who is Jason Duncan?
Would you like to listen to Episode 289?
Who needs their time back?
Who needs their business on track for maximum valuation?
What’s Jason’s story?
What about focus: following one course until successful?
What epiphany did Jason have in July of 2024?
What are the four main currencies (team): time energy attention money?
What’s the difference between a consumer and wealth creator?
Why did Jason decide to focus on the Exiter Club?
What about making a choice?
What are the three tiers of the entrepreneurial evolution?
What about tier 1, owner operators?
What about tier 2, owner managers?
What about tier 3, owner investors?
What about the business as an asset?
Is this business sellable?
What do your employees deserve?
What is the allure and risk to becoming an entrepreneur?
What are some transformation stories?
What is the hero syndrome?
Is there another way?
What is a privilege and responsibility?
What is a building that only has one opening?
What about the first stream of income?
Is diversification always a good idea?
How does Bank on Yourself® help me succeed in my business ventures?
What problems have you solved?
What do you want?
What are you trying to get?
Would you like to join the Exiter Club?
Would you like to connect on the FREE Not Your Average Financial Community membership site?
What are the takeaways?
Would you like to visit therealjasonduncan.com?

Jason Duncan is the Founder & CEO of The Exiter Club, a mastermind helping high-level entrepreneurs break free from the grind and scale their businesses. Best-selling Author of Exit Without Exiting. Host of The Root of All Success podcast. America’s Exit Coach, known for helping entrepreneurs step away from daily operations without losing ownership or profits, Jason’s mission is to help entrepreneurs build businesses around their lives, not the other way around. Using his #ExitWithoutExiting strategy and XOS Method, he helps business owners create systems that allow their businesses to thrive independently, giving them more time for what matters most. Clients who follow Jason’s methods have reduced work hours by 30%, increased productivity by 80%, and boosted business value by 30%. Featured in Inc. and Entrepreneur magazines, Jason has become a recognized expert in helping entrepreneurs scale their businesses while achieving true autonomy and freedom. therealjasonduncan.com

In this episode, we ask:

What was born 129 years ago today?
What has Mark learned?
Have you ever seen the phrase, past performance is no guarantee of future results?
What about marketing?
What about backtesting?
What is an index?
How is the Dow Jones constructed?
How are the stocks in the S&P weighted?
What is the supersized Dow?
What about target date funds (TDFs)?
Where do TDFs live?
What about options?
What about make-believe simulations?
Does past performance reflect past performance?
What about the real-time rapid change in the numbers?
What factors should we consider?
Why bet your retirement on backtesting?
What about historical averaging?
What about broader trends and contractual guarantees?
What about IULs?
What about charts looking at a dollar invested in 1929…?
Can you drive your car forward by looking in the rearview mirror?
What are the takeaways?

In this episode, we ask:

How might you finance your future without the fees?
How might you grow and accumulate wealth?
How about the transformative reality of whole life insurance?
Who is Evan Greathouse?
How about comparing the costs?
How about a case study?
Would you like to hear Episode 143?
What about irregular or variable premium amounts?
What about flexibility?
What happens when premium payments stop?
What about whole life insurance commission?
What about investment advisor fees?
Who makes more?
What about the performance?
What about the outcomes?
What about the liquidity of the cash value life insurance?
What about the fees and taxes on the investment account?
What are the limits of a Roth IRA?
What about capital gains tax?
What about the cash value?
What you like to hear Episode 392?
What about long-term financial planning?
What are the takeaways?

Evan Greathouse, Bank On Yourself® Professional, brings over 12 years of expertise as a seasoned Real Estate Investor. Holding a Business Management degree from Abilene Christian University, Evan is deeply passionate about his work. His extensive skill set encompasses construction, renovation, sales, marketing, and team building. Evan’s philosophy embraces the mantra of doing things wholeheartedly, driven by a belief that a strong ‘why’ can conquer any ‘how.’ He advocates for embracing failure as a stepping stone to success and cherishes his role as a devoted husband and father to three wonderful children. Evan is located in Nashville, TN. Meet with Evan

In this episode, we ask:

Is the policy correctly structured?
How about a case study?
Does the policy with the most cash value always win?
What is the difference between a direct recognition and a non-direct recognition whole life insurance policy loan?
What did the footnotes say?
What are some possible outcomes?
What happened to the dividends with an outstanding direct recognition loan balance?
What happens to the dividends with an outstanding non-direct recognition loan balance?
What’s the difference?
How much loan interest?
What’s the big takeaway here?
Why would this policy become a modified endowment contract (MEC)?
How about another example?
What happened with the dividends?
What about the policy loan interest?
What are the takeaways?
Why do Bank on Yourself® type whole life insurance policy loans use non-direct recognition policy loans?

Would you like to avoid direct recognition loans and loss of dividends?Is my policy a Bank on Yourself® type whole life insurance policy?Agent* Is my agent captive or independent? (Can he/she work with multiple companies or just show me one company’s product line?) * Is my agent trained to confidently and competently answer all of my questions? (Am I having to educate him/her?) * What is the agent’s training and stability? How long will the advisor be around to help me? * Is my agent among the ~200 Bank on Yourself® Professionals in good standing with the Bank on Yourself® organization?

Insurance Company* Does the company offer whole life insurance? (Do I have Whole Life or a Universal Life, Variable Life, Indexed Universal Life or Term policy?) * Is the insurance company mutually owned or stock owned? * Is the insurer’s customer service department educated enough to help me with policy loans? * Does this company have a high Comdex Rating and solid financial strength? Will they have the stability to be in business for the next 100 years at least?

Tax considerations* Will this policy become a modified endowment contract (MEC)? * Will both principal and gains be accessible tax-free under current law?

Riders* Are paid-up additions (PUAs) offered through premiums or just through dividends? * What is the Insurance Company’s PUA load cost? How does it compare to other whole life products? * What are the PUA limits (and any other gotchas)? When and why must we reduce our PUAs, even if we don’t want to? * Were any other riders available to help accelerate my cash value growth, like term riders? * If I miss a premium payment, are there protections? What will happen to the policy? * Is there a Chronic Illness Rider or similar available? What are the fees for this rider? * What are the limits on Chronic Illness, Long Term Care and Accelerated Death Benefit riders?

Dividends* Does the insurer who issued my whole life insurance policy pay dividends? * Does the whole life product I purchased receive dividends? * Is the dividend based on company performance, with me participating as an owner, or is it merely “interest sensitive” based on industry performance? * Has the insurance company paid dividends at least 100 years straight? * Was there significant dividend variability over the last 12 years, suggesting risk to future cash value growth?

Loans* If I take a loan, how will it affect the policy, short-term and long-term? * Do I have non-direct recognition loans or direct recognition loans? * When will I pay policy loan interest (at the end of year or immediately)? * What limits are at work for policy loans? Is there a maximum amount per loan * What will they allow me to borrow out at a time? * What is my loan interest rate on this policy? Is it above or below the industry average? * Is the loan simple interest or compound interest? * At what time interval is the loan interest being accrued (annually, daily, etc.)? Would you like a second set of eyes to review an existing policy, or would you like to discuss your specific situation? Reach out to meet with Mark or one of Mark’s associates.

In this episode, we ask:

Would you like to join us live for the Bank on Yourself® Rescue Your Retirement Bootcamp on May 6th, 2025, 1PM-5PM ET?
Will you run out of money if you live to 120?
What are we going to do make sure your money doesn’t run out before you do?
What about market volatility? Do you remember 2008?
What replaced the pension plans?
What about inflation risk?
Is the answer investing in the market?
What does the economist William Sharpe say?
What percentage can one take out of a 401(k) without running out of money?
What percentage of 65 year-olds will live beyond age 90?
Who is underspending?
What about annuities?
What about inflation-protected payouts?
What is the only true form of retirement security?
What are endowments?
What is the history of the annuity?
What happened to Babe Ruth?
What about Ben Bernanke?
What is a fixed indexed annuity?
What about immediate pay annuities?
What about letting your money grow before turning on income in an annuity?
Why do so many financial infotainers bash annuities?
Are there quality annuities?
What about special benefits?
What about increasing income?
How about some case studies?
What about guaranteed lifetime income?

JOIN US LIVEfor the Rescue Your Retirement BootcampWHO: The Top Bank on Yourself® ProfessionalsWHAT: An afternoon-long bootcamp– a deep dive into the workings of Bank on Yourself® –(lifetime access to the recording available!)WHEN: May 6th, 2025, 1PM-5PM ETCOST: $47WHERE: ONLINEREGISTER NOW

In this episode, we ask:

Would you like to join us live for the Bank on Yourself® Rescue Your Retirement Bootcamp on May 6th, 2025, 1PM-5PM ET?
What deals are you making?
What does it take to start a bank?
Where do banks keep their capital?
What is Tier 1 capital?
Who needs a liquid, regular parking spot for savings?
How does the money continue to grow, even while you’re using it?
What about major wealth transfers?
What are people saying?
Why work with us?

JOIN US LIVEfor the Rescue Your Retirement BootcampWHO: The Top Bank on Yourself® ProfessionalsWHAT: An afternoon-long bootcamp– a deep dive into the workings of Bank on Yourself® –(lifetime access to the recording available!)WHEN: May 6th, 2025, 1PM-5PM ETCOST: $47WHERE: ONLINEREGISTER NOW

In this episode, we ask:

Are you interested in 3 ways to leverage cash value life insurance for a secure business exit?
Who has an exit plan?
What are the benefits of a golden parachute?
What happened in the ’80s?
What lowers the risks of takeovers?
What are some example scenarios?
Do you have a Bank on Yourself type whole life insurance policy in the business?
What about securing a legacy while also ensuring business continuity?
Would you like to join us at the FREE Not Your Average Financial Community at notyouraverage.mn.co?

In this episode, we ask:

What about getting started?
Who is Bryan Powers?
Who is Ben Berry?
What is Bryan’s story?
What do they love about Bank on Yourself® type whole life insurance policies?
How have they used their policies so far?
What are some problems with borrowing money from the SBA?
Is it compounding?
Can you see a new perspective?
How would it feel to discover an extra million?
What leads to a whole lot less financial stress?
What about retiring early?
What about the ongoing relationship?
How about the next generation?
What about adjusting as life happens?
What about reaching financial milestones without taking unnecessary risk?
What about resilience?
Who wins? …the banks?
How did Menard’s emerge as a giant?
What are Bryan’s aspirations with his policy?
How is this different from a self-directed IRA?
Would you like to listen to Episode 209?
Would you like to text Ben at 563-570-2367?
Would you like to email Ben at bencberry@gmail.com?
What principle would Bryan leave for his kids?
What are the takeaways?
What is the most important thing?
Doesn’t it make sense to build the foundation first?

Ben Berry is a financial strategist dedicated to empowering individuals and businesses to achieve financial control and stability. Recognizing the limitations and volatility of traditional investment and retirement planning, Ben and his wife, Erica, embarked on a decade-long exploration of more ethical, rational, and reliable wealth-building methods. This pursuit led him to develop strategies focused on predictable, long-term growth, independent of market fluctuations.

As a Bank on Yourself® Professional and licensed insurance agent, Ben is the owner of Berry Financial Services in Fayetteville, Arkansas. He specializes in crafting personalized financial strategies that diverge from conventional approaches offered by stockbrokers, lawyers, and other financial advisors. His expertise encompasses a range of solutions, including strategic real estate investments, effective college funding strategies designed to minimize financial burden, and the development of secure, lifetime retirement income plans.

Ben works with clients seeking predictable wealth accumulation and financial self-sufficiency, with a particular focus on generating tax-free retirement income. He provides proven, tax-efficient financial solutions designed to help clients regain control of their financial destinies and achieve their long-term financial goals.

Bryan Powers has been an entrepreneur since 2000, owning a recording studio, a live music venue and a couple of restaurant franchises to include Lenny’s Sub Shops and McDonald’s. In 2013, Bryan started Family Home Solutions, a Real Estate Investment Company that expanded into a Local Property Management Company, Realty Brokerage and a Real Estate Acquisitions and Dispositions company. Powers currently shares ownership in over 200 single family rental units and AirBnb properties in 3 states as well as a 356-bed student housing apartment syndication. In 2018, Powers co-created the Angler Aid Brand, a fishing first aid and safety company that is now widely distributed online and through Bass Pro Shops.

Since 2023, Powers is co-owner of the Mobility City franchise markets in Southwest Missouri and Arkansas. Mobility City is a Boca Raton based franchise system that has quickly become Southwest Missouri’s Premiere Mobility Products store and has plans to open a second location in Northwest Arkansas by May of 2024. Bryan has also served on the board of two local non-profit organizations as well as serving on the advisory council of 2 national franchise systems.

Bryan is a Husband, Father of 3, and Grandfather of 1 and loves time at the lake with family, travel, and music composition.

In this episode, we ask:

Would you like to meet with Mark?
What are the challenges for small businesses?
What’s wrong with a small business’s 401(k) offering?
What is the problem with fees?
What is the problem with liquidity?
What are the penalties?
What about the severe loss of control?
What about forced participation?
Why, with all of these problems, does everyone set up 401(k)s?
What about a financial Frankenstein?
Is the proof in the pudding?
How are we fairing?
What is the average 401(k) balance for a 55 year-old?
How might a business owner attract the best talent and offer the best benefits?
Why are Bank on Yourself® type whole life insurance policies superior?
Would you like to hear Episode 36?
What about tax?
What about eliminating restrictive rules?
What about going from a 401(k) to a 162(a)?
What are executive bonus life insurance contracts?
What are the administrative costs?
What are the additional benefits?
What are the considerations?
What are the backup options?
How about an example?
What is a double bonus?
What about the tax?
Would you like to hear Episode 206?
What can the employees do?
What about the taxation of social security benefits?
What if tax rates double on you on income in required minimum distributions or other qualified distribution income?
What are additional benefits of the 162(a)?
Would you like to establish a better than a 401(k) alternative that benefits your employees profoundly?
Would you like to meet with Mark?

In this episode, we ask:

Have you subscribed on YouTube and/or your favorite audio platform?
Could your business survive without you?
Why do most small businesses fail to survive after a generation?
Are you thinking long range with your business?
When was Hoshi Ryokan in Japan founded?
What is a buy-sell agreement?
What are the benefits?
Who wants to buy the business from someone who has passed away?
How does a buy-sell agreement guarantee a buyer?
What are additional benefits?
What are the events that trigger a buy out?
Who writes and funds a buy-sell agreement?
How about an example?
What about a sinking fund?
What about a bank loan?
What is the most efficient way to fund a buy-sell agreement?
What are the benefits of funding a buy-sell agreement with life insurance?
What about a story?
What about cross-purchase?
What happens when tragedy strikes?
What happens next?
What are the considerations?
Would you like to book a meeting with Mark or one of Mark’s associates?
What are the steps?
What about the business valuation?
What are the correct policies?
What is the timeline of funding?
What is the premium amount?
What about drafting the buy-sell agreement?
What about policy ownership?
What about cross ownership?
What about performance review and adjustments?
What about the key stakeholders, partners and team?
What would happen to your business if a key person or partner suddenly dies or becomes disabled?
How would we manage the transition?
How much capital would we need to buy out a partner’s interest and over what time frame?
Have we considered how changes in our business’s value might affect insurance coverage needs or terms of our buy-sell agreement?
What terms should we include to handle disputes or changes to the business environment?
Are there any specific clauses we need to add for certain scenarios (i.e. divorce, bankruptcy of a partner or an external offer to buy the company, etc.)?
What about Bank on Yourself® type whole life insurance policies?
Would you like to meet with Mark?

In this episode, we ask:

Would you like to unlock the magic and Request a Meeting?
Where did Mark travel as a kid?
Do we live in the future?
What about the stagecraft?
What does financial success look like for Americans?
Would you like to view the Houston Chronicle article?
How much would it take to feel financially successful?
What about Generation Z?
What does social media have to do with it?
What are the numbers?
What’s the viability of the numbers?
Who has seen Inventing Anna?
What about Leon Festinger’s social comparison theory?
What about F.O.M.O. and envy?
What’s the allure?
What does this do to the human soul and human psyche?
Has the American dream become an American fantasy?
What are the differences in the generation’s views?
What about overcoming the social media hype?
What about digital detox?
What about volunteering?
What about mindfulness and self-awareness?
Are you being manipulated?
Are you comparing yourself?
Who can help?
What about blocks?
What happens when people have lost it all?
Who doubles down on the risk?
What about figuring out a better way?
What are the ten secret places…?
What about creating a business?
What about hiring family?
What about real estate?
What did Reader’s Digest say about life insurance?
What does your financial success look like?
What is the reality?
Who gets to define your financial success?
Who taught you think this way?
Are you ready to lift off?

In this episode, we ask:

Should you quit your day job?
What does it take to truly be a leader?
How do you unhook yourself from “default” mode?
Who is Jon Thiele?
What’s Jon’s daily morning ritual?
What’s extremely important?
How did Jon’s career evolve?
How did Jon find Mark?
What happens when “the math isn’t mathing”?
What questions did Jon ask other advisors?
What has become richer?
What has bothered Jon?
What breaks compounding?
How has the money grown?
What happens with a financial contractual agreement?
What about non-direct recognition policy loans?
What has Jon’s family done with policy loans?
What about paying back a loan from the insurance company with simple interest?
What happened when the hurricane hit Florida?
How does one bring banking back down to the “you and me” level?
What would Jon like to do with his policies in the future?
Would you like to hear Episode 298?
Can you take another policy loan if you already have a loan taken out?
How do you define leadership?
Would you like to reach out to Jon on the FREE Not Your Average Financial Community?
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?

Jon Thiele is a W-2 employee, who is passionate about the company he works for, not just for their mission, but for the opportunities that the company has allowed for his career to expand to include fields outside of what he went to school for (which was Architecture). Although he is an Architect, licensed in California and Florida where he and his wife and two kids currently live, he has spent the last couple of years in the Financial Planning & Analysis side of business and has most recently taken on the role of Chief of Staff to one of the Finance VPs. Jon met Mark just before the COVID pandemic began in 2020, and started his journey with Bank on Yourself®. He continues to study ways to be “not so average” with his finances, and he looks forward to passing down this knowledge to his children, as they get older.

In this episode, we ask:

How’s that working out for you?
Who is A.L. Williams?
Would you better off investing with some term on the side?
Would you better off with a Bank on Yourself® type whole life insurance policy?
What about a twin study?
What happens after 29 years?
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Would you like to listen to Episode 388?
What are the challenges faced by most entrepreneurs?
How is this playing itself out in the real world?
How about guarantees?
How about liquidity?
How about more success?
What challenges would this solve?
How can business owners level up their cash flow?
What do Bank on Yourself® type whole life insurance policy offer business owners?
What about lines of credit?
Are the banker’s trophy catch?
What about paying the interest?
What about times of business downturns?
What are the limits of lines of credit?
What about collateralization?
What about interest rates?
What about compliance?
How about a case study?
Is it worth the risk?
What is the insurance company contractually obligated to do?
What is the top ten list?
How about a guaranteed interest rate?
What about credit checks?
What about your credit score?
What about repayment terms?
What about loans being called?
What about tax-free access to funds?
What about the dual benefit of insurance and savings?
What about protection against market volatility?
What about compounding interest working in your favor (not the bank’s)?
What about estate preservation?
How might having a guaranteed line of credit help you and your business?
How about another case study?
What about inventory financing?
What about the fourth quarter and the Q4 rush?
What about another business case study?
What’s the catch?
What are the considerations?
What about paying off the loan?
What other major expenses are in your business?
How about this case study?
What about paying the tax payment from a policy loan?
What about paying off policy loans with windfalls?
What is thrilling?
How much?!
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

What would life be like when you’ve reached financial freedom?
Who is Harry Looknanan Jr.?
Who knows how to manage in crisis?
What happened in 2007?
How did Harry meet Mark?
What about peace of mind?
What has Harry been able to do since having a Bank on Yourself® financial strategy?
What about the contingency fund?
What about penalties and tax on rolling out of a qualified plan before age 59 1/2?
Who loses money when the market drops?
What happens to compounding in that case?
What’s important to you?
What components did Harry know he needed in his financial strategy?
What’s the beautiful thing?
How about increasing the yield without taking unnecessary market risk?
What do I need to do differently?
What 5 simple things do you want to accomplish in your financial life?
What is there to lose?
What is there to gain?
Are you a business owner? Would you like to reach out to Harry on LinkedIn?
What are the takeaways?
What are the contingency plans?
What do you achieve?
What do you focus on?
Who do you inspire?

Harry Looknanan Jr. works in commercial banking at the country’s largest financial institutions. He enjoys the conversations with the owners of companies, listening to their story of starting in the garage and helping them solve their biggest problems. When he’s not banking, he enjoys spending time with my wife and Bentley (Dodson-Australian Shepard) indoors in the summer, and outdoors in the winter. He also scuba dives and binge-watches Sci-Fi movies in his free time.

In this episode, we ask:

What’s the history?
What’s the opportunity?
What am I talking about?
What are the implications of your financial plan when you try to go it alone?
What about economies of scale?
What about the tax advantages of joint filing?
What are the other benefits?
What about net worth?
What did the Federal Reserve survey of consumer finances say?
What happens in divorce?
What patterns has Mark observed?
How about a case study?
What is the best gift?
What does the relationship help you become?
What offers guaranteed growth and protection?
What about funding life’s milestones?
What about legacy building for future generations?
What about tax advantages?
Who wants to send a valentine to the I.R.S.?
What about dreams and goals?
What about gifts?
What does everyone want this year?

In this episode, we ask:

Would you like to learn more about capital for running a business?
How does the Bank on Yourself® concept advantage business owners?
What happens when entrepreneurs blow through their savings and money?
What’s the funny thing about other people’s money?
How many businesses have borrowed?
How much debt do businesses hold?
Why do most businesses fail?
Why are banks hitting record profit?
What is the takeaway message here?
What if you could take on the function of banking without taking on all of these hurdles?
What is the biggest lever you could pull?
What do many business owners need in today’s climate?
What about term insurance?
What about dividend paying whole life insurance?
What can be seen as a business asset on your balance sheet?
What would you do if you had access to $500,000, liquid?
What are you solving for?
What about the exit plan?
What about the loan feature?
What will continue to earn compound growth?
What could this do for you in your business?
Who sets the terms on the loan?
What about the tax advantages?
Who taught you to believe that?
What’s the biggest catch?
What are the problems?
Why is it crucial to work with a Bank on Yourself® professional?
What are the questions to pursue?
What would be your first steps?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Have you had a near death experience?
What about the beauty and complexity of Mother Nature?
Who is Evan Greathouse?
What was Evan’s “aha” moment like?
What happens while Evan was completing yard work?
What drew Evan to becoming a Bank on Yourself® Professional?
How has Evan been able to do so much with his policy loan?
What are the applications?
Would you like to hear Episode 143?
What is the enhanced 401(k) catch up?
What is the big news for Secure Act 2.0?
…What is the maximum?
What is unbelievably flexible?
What happens with a reduced paid up option?
What about efficiency?
What about high cash value?
How about the paid up additions rider?
What is not an investment strategy?
Why is there such a bias against whole life insurance?
Who has your best interest at heart?
Who knows how it works?
What about throwing your eggs into one basket?
Is diversification really important?
Where can you keep your cash?
Is there a safer place to keep your cash?
What grows without interruption?
What is another way to insure against loss?
What is the insurance company obligated to do?
What do clients use the Bank on Yourself® type whole life insurance policy loans for?
What’s a game changer?
Who are you becoming?
Would you like to meet with Evan?
What are the takeaways?
What are the financial myths?
Who benefits from your belief about how money really works?
How can you be more dynamic in your financial life?
What about personal growth and finding purpose?
Who will you become?
What did Marcus Aurelius say?
What sort of legacy will you leave behind?

Evan Greathouse, Bank On Yourself® Professional, brings over 12 years of expertise as a seasoned Real Estate Investor. Holding a Business Management degree from Abilene Christian University, Evan is deeply passionate about his work. His extensive skill set encompasses construction, renovation, sales, marketing, and team building. Evan’s philosophy embraces the mantra of doing things wholeheartedly, driven by a belief that a strong ‘why’ can conquer any ‘how.’ He advocates for embracing failure as a stepping stone to success and cherishes his role as a devoted husband and father to three wonderful children. Meet with Evan

In this episode, we ask:

Is life like a road trip?
Who is Steven Lyons?
How did Steven and his wife meet?
What did Steven learn from his dad’s entrepreneurship?
What was the fork in the road?
What is Steven’s work?
What about pattern recognition?
What’s Steven’s learning journey with money?
What happened next?
What’s the difference between being covered vs. being secure?
What didn’t make much sense?
What about being discouraged from taking loans on a life insurance policy?
What is possible?
How are Bank on Yourself® type whole life insurance policies different?
What was the disincentive on that plan?
How could an annuity systematically pay for life insurance premium?
Is this too good to be true?
What about the vocabulary of insurance?
What opportunities can Steven chase now, without losing his position?
What are direct recognition loans?
How do direct recognition loans affect compound growth?
What has happened?
How easy was it to take a policy loan?
What is Steven doing with Authentic Texas Magazine?
What are the three types of buildings you will find in many small West Texas towns?
What about starting from an early age?
What about teaching the kids?
Where can you find Authentic Texas magazines?
What are the takeaways?
What about serendipity?
What about learning from financial missteps?
What about trusting in pattern recognition and trusting your gut?

Steven Lyons is the owner and creative director of Adaptable Space, a marketing design consultancy based in Nashville, Tennessee focusing on engineering business design solutions. Steven has twenty-eight years of agency and in-house creative experience building comprehensive brand communications working with Fortune 500 companies to non-profits. As the creative lead for Authentic Texas Magazine, he’s been an integral part of the redesign and continued development of the magazine since 2019, as well as the design director for the Official Texas Rangers Bicentennial Guide in 2023. Steven holds a bachelor’s degree in advertising and graphic design from Abilene Christian University.

In this episode, we ask:

How compliant was Mark toward Dave Ramsey’s rules?
Have you heard Episode 323?
What about Pamela Yellen’s BankonYourself.com website update?
What advice did Dave give Thomas?
Why do so many viewers confuse Dave Ramsey for a financial advisor?
Did Dave do a thorough needs analysis on Thomas’s situation?
Is Dave’s claim that whole life insurance costs 20 times the cost of term life insurance true?
What does the math say?
What is Dave’s hatred of whole life insurance about?
Is cash value accessible in the first month of a whole life insurance policy?
Is it possible that Dave Ramsey could be wrong about something?
Would you like to listen to Episode 6, Episode 36, Episode 73, Episode 110 and Episode 143?
Why does Dave talk about an “average rate of return” on life insurance?
Why does he call life insurance an investment?
Is life insurance an investment?
What happens to financial advisors who call life insurance an investment?
What about the case study?
What about the money market accounts?
What about Dave’s term insurance ads on his show?
Is it reasonable to expect 12% returns on mutual funds?
What are the real returns before taxes are considered?
What about uninterrupted compounding?
Who invented the phrase “buy term and invest the rest”?
Is it true that insurers confiscate the cash value when you die?
Is that how equity contracts work?
How about an example?
What about life insurance?
Would you like to see Pamela’s policy statement?
Is this just ignorance?
Is it more profitable to sell advice than to take it?
What have you discovered in your research? Let us know in the FREE Not Your Average Financial Community!

In this episode, we ask:

Have you faced threats?
How might you bring greater benefit to you and your family?
Have you heard Sarry Ibrahim’s podcast, Thinking Like a Bank, Episode 123?
What did Sarry’s client ask?
What is the story with A.L. Williams?
Has that worked? Would it work now?
What about the whole life policy spreadsheet?
What are some options / hyptothetical scenarios?
What if there was $36,000 dollars to allocate each year for 30 years? ($3K/month)
What about investing $34,383 at a hypothetical 8% return, with a 1% compounding fee ever year for 30 years? What about purchasing a term policy with $1,616 for $600K death benefit for the 30 years?
How about purchasing a whole life insurance policy only? What happens at year 30?
What about purchasing a whole life insurance policy, taking a policy loan against the policy, investing the money and paying off the policy loan with the growth (hopefully) from the investment?
What is possible, considering volatility?
What are the better ways to do this?
What if it is just a death benefit?
What about investing the difference?
Why would whole life insurance be a better fit?
What are the takeaways?

The topics presented in this podcast are
general information only
and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional
who knows your specific situation.

Sarry Ibrahim, CFP®, EA, MBA, is located in Chicagoland and works with clients across the United States. As the founder of Financial Asset Protection, Sarry helps clients safely accumulate wealth without sacrificing liquidity.

When Sarry is not working with clients, he hosts episodes on the Thinking Like a Bank Podcast, and he enjoys spending time with his wife and son.

Connect with Sarry (rhymes with Larry) at
https://thinkinglikeabank.com/
https://www.youtube.com/@sarryibrahim4241
https://www.linkedin.com/in/sarry-ibrahim-mba-ltcp-bank-on-you

In this episode, we ask:

Are you ready?
What are the risks you take, just to live your life?
What am I interested in now?
How do you reach your financial milestones without taking unnecessary risks?
What happens when risk goes up?
What about outcomes?
Who is determined to fail?
What about speculating?
Who is Tim Austin?
What are the 9 steps?
- Where are you today?
- Did you know you can reach your financial milestones?
- Will you take an inventory of what’s working and what’s not working?
- Are you ready to review the inventory? What are some proposed solutions?
- Can you forgive yourself for all past and future financial missteps?
- What will you decide?
- What solutions will you implement?
- What needs review and what adjustments are needed?
- Who else needs help?
How about listening?
What’s working? What’s not working?
What are the biggest aha moments?
What might happen if….?
Do you believe you have a bigger future within you?
What is the After Action Review?
What’s helping? What’s hurting?
How might a third-party perspective bring value?
What’s possible?
What about self-doubt and self-forgiveness?
What about implementation?
Who are we grateful for?
What about solutions and ongoing adjustments?
Is there such a thing as a permanent financial plan?
What if you lose your job?
What if you move across the country?
Humbly, what adjustments are needed?
Who do you know who you want to feel the same way?
What’s it like to send a simple email introduction?
What did William Arthur Ward say?
Would you like to meet with Mark?

In this episode, we ask:

What does it mean to lapse a policy?
Were you able to hear Part 1 with Elan Moas?
How many universal life insurance policies will pay out?
What about Bank on Yourself-type Whole Life Insurance Policies?
What are the problems with universal life insurance policies (that many purchased in the 90s)?
How could a trillion dollar industry be wrong?
What is an irrational product?
What is the net amount at risk?
What happens when the cost rises?
What happens in the later years of one of these policies?
What is target funding?
What is the compensation problem?
What is the likelihood of having success in these policies?
How does one get an in-force illustration?
What about the universal life lawsuits?
What about the state warnings?
What does every advisor need to hear?
What happened in 2015?
Who owns a universal life policy, an indexed universal life policy or a variable universal life policy?
Would you like to see Elan’s scorecard in his book, Lapsed, The Universal Life Insurance Whistleblower?
Would you like to hear Les Himel on the fine print in policies on Episode 311 and Episode 312?
What about asking for the exact allocation given to you at the point of sale?
Would you like to watch the video where Elan talks through how to ask for an in-force illustration?
What are the takeaways?
Would you like to speak with Mark?
What about the regulatory changes in this space?
What about evaluating your policy’s sustainability?
Who needs to hear this?
What about a whole life insurance policy an alternative?

Elan Moas, a seasoned financial advisor with over fifteen years in the industry, leverages his extensive experience and regulatory acumen to navigate the intricate world of universal life insurance. Holding multiple licenses including Series 6, 7, 63, 65, 2-15, and 2-20, Elan is a recognized advocate for ethical practices in financial advisory.

As the author of “Lapsed, The Universal Life Insurance Whistleblower,” Elan has scrutinized over 5,000 individual policies, uncovering structural flaws that have led to significant regulatory attention. His work includes submitting four SEC Whistleblower tips from 2016 to 2024, highlighting the high “lapse” rates and inherent issues within universal life insurance policies, particularly at major insurers like MetLife.

Through Moas Consulting, Elan provides ethical life insurance guidance, training for professionals, university lectures, and expert witness testimony. He has also shared his insights on various podcasts, becoming a sought-after voice on matters of financial integrity and consumer protection.

Message Elan on LinkedIn

In this episode, we ask:

What do you think of when you think of tried and true products?
What if I told you of a product that failed 90% of the time?
What about life insurance?
Where is the scandal?
Where is the front page news?
Who is Elan Moas?
What is Elan’s experience?
What happened during the subprime mortgage crash?
What flaws did Elan discover in universal life insurance?
What does a “lapsed policy” mean?
What was happening to 9 out of 10 of these universal life policies?
What about dividends?
What is getting wiped out?
How many in-force illustrations did Elan run on the software?
What happened with updated interest rates?
To whom did Elan reach out?
Would you like to read the book Lapsed, The Universal Life Insurance Whistleblower?
Is an in-force illustration holy?
What are the takeaways?

Elan Moas, a seasoned financial advisor with over fifteen years in the industry, leverages his extensive experience and regulatory acumen to navigate the intricate world of universal life insurance. Holding multiple licenses including Series 6, 7, 63, 65, 2-15, and 2-20, Elan is a recognized advocate for ethical practices in financial advisory.

As the author of “Lapsed, The Universal Life Insurance Whistleblower,” Elan has scrutinized over 5,000 individual policies, uncovering structural flaws that have led to significant regulatory attention. His work includes submitting four SEC Whistleblower tips from 2016 to 2024, highlighting the high “lapse” rates and inherent issues within universal life insurance policies, particularly at major insurers like MetLife.

Through Moas Consulting, Elan provides ethical life insurance guidance, training for professionals, university lectures, and expert witness testimony. He has also shared his insights on various podcasts, becoming a sought-after voice on matters of financial integrity and consumer protection.

Message Elan on LinkedIn

None

In this episode, we ask:

How about balancing family life, ministry and real estate?
Who is Brian Claus?
Have you heard about UnBound Now?
What’s Brian’s earliest memory with money?
What did Brian’s Dad do to incentivize saving?
What’s Brian’s story?
What happened in 2018?
What are the benefits of running real estate through policies instead of banks?
What about Dave Ramsey’s thinking?
What about due diligence?
What about selling the house?
What was the benefit of putting the proceeds into a policy?
What about the down payment for the new house?
What about the pool?
What happened with the land deal?
What about the other deals?
How did Brian access the money?
Would you like to view Brian’s financial map?
How else does Brian use these policies?
What about paying taxes?
What about the ministry through Brian’s church?
Would you like to visit UnBound Now?
Would you like to email or message Brian on the FREE Not Your Average Financial Community?
What are the takeaways?

Brian Claus balances family life with a career in diverse real estate ventures, from long-term rentals to Airbnbs and land sales. For over a decade, he’s worked with Unbound Now, a dedicated anti-human trafficking organization, where he’s made a meaningful impact.

In this episode, we ask:

Have you ever faced a challenge so big, it just seemed insurmountable?
Have you turned a setback into a comeback?
Who is Nick Prefontaine?
What is the S.T.E.P. system?
What happened to Nick on the mountain?
What happened during recovery?
What has Nick done with his policy?
What about upgrading your health rating?
What is Nick really happy about?
Would you like to hear Episode 260?
Would you like to listen to Episode 75?
Would you like to revisit Episode 361?
How would you fill in this sentence? Because of my Bank on Yourself policy, ___________.
Would you like to visit Nick’s website to download the S.T.E.P. system for FREE?
Would you like to learn more about and implement Support, Trust, Energy and Persistence?
What are the takeaways?

Nick Prefontaine is a 3x best selling author and was named a top motivational speaker of 2022 in Yahoo Finance. He’s a Speaker, Founder and CEO of Common Goal.

Using the S.T.E.P. system he is able to lead clients through their trauma. Once they make it through, that is where their limitless potential lies. Nick has been featured in Brainz Media, Swaay and Authority Magazine.

In this episode, we ask:

Are you shocked about how everything keeps going up in price?
Are you surprised about how so many things are shrinking?
Who has debt on the balance sheet?
What about companies?
What about customers?
What about the stock prices?
What about interest rates?
What happens in a recession?
What vaporizes compounding?
What happened to the S&P from 2000-2022?
What are the stated returns?
What is the real return?
What about the investment fees?
Is inflation higher than what is being reported?
What does the Fed believe?
…Would you fire him?
What about insurance companies?
Who came first, insurance companies or the Federal Reserve?
What about bonds?
What about mutually owned life insurance companies?
What about dividends?
How does inflation affect cash value whole life insurance?
What is guaranteed to grow, regardless of any calamity or market crash?
What if they went through hard times… what happens then?
How is this difference from term insurance?
How about an example?
Are premiums fixed for life?
What happens to premiums with inflation?
What about the impact of inflation on stocks?
What about the impact of inflation on whole life insurance contracts?
When do you see the change in dividends?
What is a steady growth vehicle, regardless of inflation?
When do I want my money growing at its most efficient?
Is now a good time to take my chips off the table?
Would you like to join our FREE Not Your Average Community?

In this episode, we ask:

What percentage of businesses successfully sell at all?
Who is David C. Barnett?
Would you like to hear David on Episode 154?
How about a story?
What are some of the hazards that new business owners run into all of the time?
How did David get started?
What did David learn as a business broker?
What does David do now?
What needs to happen for a fair deal to occur?
What are the reasons people need to sell businesses?
What do most sellers fail to realize?
What is aspirational pricing?
How has the internet changed the way buyers conduct research and due diligence?
What happens when you are excited and energetic about your business?
What happens when you start to feel fed up, have pressures or health issues?
What creates a whole series of red flags for buyers?
What mindsets, skillsets or strategies can one employ to prepare to sell the business?
How can you increase your earnings or reduce your own capital tied up in the business?
How is real estate different from an operating business?
How is a business actually a system?
Would you like to read David C. Barnett’s new book, Buying vs. Starting a Small Business: A Guide to Keep You From Going Broke?
Who would benefit from this book?
How does one empathize with the potential buyer?
What is the give and take required in this relationship?
What about seller financing?
What about the need for the buyer to be successful?
What’s it like to work with David?
What are the action items?
Would you like a business valuation? Book a Meeting

David C. Barnett has been working with small businesses for over 20 years. He’s helped them grow, he’s helped entrepreneurs buy and sell them, he’s helped people finance them. David is the author of 8 books about small business transactions and local investing. He’s the host of a YouTube channel with hundreds of videos about buying, selling, financing and managing SMEs and can be found anytime at his blog site www.DavidCBarnett.com

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In this episode, we ask:

Did you have a Game Genie or similar childhood thrill?
Do you remember the Choose Your Own Adventure books?
What is the income snowball?
How does one generate passive income?
Who is Tanisha Souza, J.D.?
What about due diligence?
How about a story?
What does Tardus Wealth Strategies do?
What is wealth coaching, and how is it different from financial advising?
What is the income snowball?
What is Tanisha’s background?
How does the income snowball work?
What are some examples of people on the income snowball?
What about a passive income strategy?
What’s the difference between an accumulation strategy and a passive income strategy?
What about replacing living expenses?
How about leverage?
Why leverage Bank on Yourself type whole life insurance policies with the income snowball?
Would you like to read Tanisha Souza’s book, Creating Your Income Snowball?
What are the benefits of shorter terms?
What are the risks?
What’s a slow burning fuel?
What’s a fast burning fuel?
What’s the risk tolerance?
Would you like to visit creatingyourincomesnowball.com?
What are the takeaways?

Tanisha Souza, J.D., is an author, patent-holder, professional speaker, wealth and passive income coach, and entrepreneur. She has a passion for teaching people how to live their dreams by quickly building passive income without risk. Tanisha quit the practice of law after replacing her income with passive income from real estate, and she launched Tardus Wealth Strategies, a full-service wealth and passive income coaching firm. Tanisha studied and obtained her bachelor’s degree at U.C. Berkeley and obtained her juris doctorate from the U.S.C. Law School.

In this episode, we ask:

When does your training kick in?
What about a broader mindset of adaptability and resilience?
Does what saved you in the morning kill you in the evening?
What is riskier or now outdated?
What about wealth stability?
Who is standing right on the X?
What is the darling of everyone’s stock portfolio… until it’s not?
Who knows?
Who is stuck in analysis paralysis?
Would you like to hear Episode 342?
Is this really a safe stop?
What about a case study?
What about showing leadership with yourself?
What about the example of the Israelites?
Is not making a decision, still making a decision?
Am I doing what I’m doing right now, only because I’ve done it before?
What are some action steps?
What financial vulnerabilities need attention?
Who are the other members of your squad?
What did Dan say?
How about a story?
Do you have a chance to move off the X?
Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask:

Can you imagine…?
What is Austrian Economics?
Who is Max Brusky?
What is Max’s podcast about?
Would you like to hear the BuckAround Podcast?
What happened to Max in downtown Chicago?
What happened at the Mises Circle event?
What is the relationship between Austrian Economics and Bank on Yourself?
Who is Ludwig von Mises?
What about Mises’ books, Theory of Money and Credit (1912) and Socialism (1920)?
What about sound money?
What is considered a store of value?
What about lending money?
What is the purpose of the central bank?
Is it a quasi-government agency?
Who appoints the central bank’s governors?
What is money? What is credit?
Who controls the money supply?
What leads to inflation?
What leads to improper business signals to investors and creditors?
What is a good interest rate?
Who sets the interest rate?
What is the Austrian Business cycle?
What is the boom / bust cycle?
What happens when the money is cheap and free?
What happens when bad decisions get subsidized by more money?
What does Mark have?
Do the Austrians have something to say about what’s going in our world right now?
Would you like to visit mises.org?
What about the Great Depression?
Would you like to read Murray Rothbard’s book on The Great Depression?
Who was Murray Rothbard?
What about human action?
Who are the Austrian economists?
What is the fix? Can anyone fix it?
What about Bitcoin and cryptocurrencies?
What about the various agendas?
Do you remember the sidebar blogroll?
What about various Austrian economist podcasters?
What about Keynesian economics?
What about course corrections?
What did Thomas Jefferson say?
How was Max lucky?
Who is Robert Murphy?
Who is able to opt out of that system?
What is designed to keep you in debt?
What about debt, on the bank’s terms?
What happens when you use the cash value as collateral on a policy loan for big purchases in Bank on Yourself® type whole life insurance policies?
What is the great dispossession?
Who gets paid last?
How is an insurance company’s contract different?
What about the history of the contract?
What are the benefits of whole life insurance?
How does the death benefit make a big impact?
How has Max used his policies?
How about loaning money to kids for college?
What about having skin in the game?
What about the honor of paying back your debt?
What about paying tax?
What about donations?
How do the college loan repayments contribute to the kid’s inheritance?
What is a racket?
What are some creative ways to set up kids for success?
Would you like to visit mises.org?
Would you like to visit aier.org?
What are the takeaways?

Max Brusky is an attorney specializing in civil litigation, particularly insurance defense, coverage, and subrogation. He is currently an “in-house” and Claims Director for a national trucking company. He is a happy husband to a happy (and brilliant, and understanding) wife, and the proud father of two, one in college, one almost in college. He currently lives in Chicago’s far west suburbs, but still considers himself a Wisconsin expatriate.

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In this episode, we ask:

Did you receive any practical financial education in school?
Would you like to see financial education in schools?
Who is Vince Shorb?
How about lizards?
What about the entrepreneurial spark?
Is there a financial illiteracy epidemic?
What’s Vince’s story?
How has education changed and stayed the same over the last 100 years?
How much time do teachers spend on practical, personal finance?
What outcomes would benefit high school students?
What about reform?
What principles would Vince teach if he were Pope of Education?
What are the financial literacy needs for kids in elementary school?
What about shaping positive behaviors?
At what age do financial habits develop?
What do 7 to 9-year-olds need to learn?
What are some sustainable and practical habits around saving and spending?
What are some considerations for high school students?
What about project based activities?
How does one prepare to select and pay for a rental home and pay bills?
What about college-level students?
What about the risk of college debt?
How do kids learn about money?
What about kids earning money for chores?
How might kids learn about bills, loans and savings?
What can kids manage?
Have you or your kids read the book, the Richest Boy in Athens?
Have you played the game Cash Flow for Kids?
Have you played the game Payday?
Have you seen or read the Tuttle Twins books?
How might kids start their own business?
How about encouraging kids to participate in the Children’s Entrepreneur Market?
How might one move forward after a financial literacy deficit in school?
What about resilience after mistakes have stacked up?
What about income?
What about expenses?
What about savings?
Do you need to earn more?
Do you need to save more?
Why is consistency the key?
What myths need to be busted?
What happens when kids apply practical knowledge?
Would you like to connect with Vince Shorb on LinkedIn?
Would you like to see the financial curriculum?
What about growing and scaling financial literacy in your community?
What are the takeaways?
What are the action steps?

Vince Shorb is one of the country’s leading advocates for promoting financial wellness and a thought leader in teaching and scaling financial education programming.After spending 15 years in financial services working one-on-one with more than 20,000 people, he founded the National Financial Educators Council – an organization dedicated to combating the financial illiteracy epidemic. He is the current CEO of the NFEC, an IACET Accredited company and a Certified B Corporation.

In this episode, we ask:

Why do indexed universal life policies (IUL policies) sales continue to grow?
Why do we choose whole life insurance over other products?
What about the refractor?
How much risk are you comfortable taking with money you’re not willing to lose?
Where are you on the risk scale (1-10)?
How is permanent insurance different from term insurance?
Would you like to hear Episode 371?
What about the reliability percentage?
Will it be enough to stay in force?
Which chart would you pick?
Is Mark willing to take that risk?
Do IUL policies have a fixed and guaranteed premium?
…What do you think happens?
What is the basic definition of insurance?
Can the policy itself support underfunding?
What is the illustration beauty contest?
Who wants the attractive impossibility?
Who wants the certainty that efforts will yield results?
How about a real-life example?
How does universal life insurance really work?
What about the Monte Carlo simulation?
What control does the policy owner have?
What is the problem of volatile returns?
What percentage showed a successful outcome?
What percentage showed a failing outcome?
Was she sold a pack of lies?
What what would the whole life premium be?
What can change in an IUL contract?
Is the cost of insurance the same?
What does all of this mean?
Is this a poorly conceived product?
Are the IUL illustrations realistic?
Can you unwind this when you’re 30 years older?
What about co-authoring success?
How might it bring financial freedom?
Would you like to meet with Mark?

In this episode, we ask:

Is life 100% chaotic?
Are we totally at the whims of the universe?
What happens anytime we make a plan?
What about expectations and assumptions?
What happens when time runs out?
What about the booklet, The Box by Guy Baker?
What are the four pricing factors?
What about mortality cost?
What about persistency?
What about interest rates?
What about expenses?
What is life expectancy?
What did Guy Baker discover?
How much does it take?
…Who could afford that?
What is adverse selection?
What happened in the early 1800s?
What does an actuary do?
Will it pay the mortality expenses?
What are the various configurations of each “box”?
What is life insurance dependent upon?
Why are term premiums so low early on (in age)?
Would you like to hear Episode 365?
What will almost never pay a death benefit?
Who has the highest persistency rate?
What about interest credits?
What is the math game?
What if interest rates rise or drop?
What is the job of your insurance agent?
Why are indexed universal life policies (IUL policies) so sensitive to risk?
How is whole life insurance different?
How many people who own IUL policies are receiving letters for more premium?
What’s the long game here?

In this episode, we ask:

Would you like to hear the epic rap battle of insurance policies?
Would you like to experience this lyrical throw down of the ages?
Has Mark finally lost it?!
Did whole life’s guaranteed cash value reign supreme or did IUL’s (indexed universal life insurance) market-linked potential steal the show?
Who is Chris Gray?
Who is Marvin Bulas?
What’s this rap battle about?
Is whole life insurance steady as a rock?
Is whole life “the king of finance”?
What about guarantees?
What about dividends?
What about the indexes in IUL policies?
What about the IUL illustrations vs. IUL reality?
What about fixed indexed annuities?
What is just junk?
What happens to IULs in the later years?
What about the overpromising on this product?
What about the IUL lawsuits?
What about the new regulations?
What is a straight-line projection?
Is whole life inflexible?
What about the flexibility that riders bring?
Have you seen an IUL illustration?!
What about the IUL fine print?
What about the cost of IUL being cheaper in the early years of the policy?
What happens to IULs with age?
What about liar, liar, pants on fire?
What about the wake up call?
Are you safe from loss with an IUL?
Why do the IULs go south?
What about fees?
What about the cost of insurance increasing in an IUL?
Can you draw an income later in life?
Do the guarantees eat your cash in an IUL?
What about the zero-floor guarantee?
What about the time-locked surrender charges on an IUL?
What about loans in an IUL?
What about non-direct recognition loans?
What about increasing costs?
Did that other advisor tell you…?
What about tax and modified endowment contracts?
What if you have a material change in an IUL?
What about policy lapse?
Which life insurance policy is going to come through?
Why is there so much sizzle with IUL?
Why is the predictability of IUL performance like a monkey throwing darts?
Why are there so many pages of fine print on the IUL contract?
Would you like to reach out to Chris or Marvin?
What are the options for IUL holders?
What is possible?

Chris Gray, ChrisG@Grossmancollegefunding.com,
https://www.grossmancollegefunding.com/Marvin Bulas, marvin@mysetsolutions.com,
https://www.bankonyourself.com/become-a-professional

In this episode, we ask:

Do you remember Mr. Roger’s lessons?
How might the Profit First system work with real estate investing?
Who is David Richter?
What about great role models?
What about emotional intelligence?
What is key for business owners?
When did David’s first deal happen?
What happened to that company?
What happened when David moved across the country?
What about make, spend and keep?
What is a fractional CFO company?
Would you like to hear Amanda Neely on Episode 165?
Have you played the cash flow game?
Who is living deal-to-deal?
What about paying yourself first?
What is Profit First in a real estate investing context?
What is the biggest challenge for real estate investors when it comes to making a profit?
What about the culture’s drive for more, more, more?
What about making money and keeping it?
What game are you playing?
How do Bank on Yourself® type whole life insurance policies take it a step deeper?
What are some examples of quarterly and annual accounts?
What fits right in?
What turbo-charges Profit First?
What about the legacy play?
What about saving?
What can business owners do to start?
Do you have a handle on your cash?
What about the Profit First cheat sheet?
Can you learn to keep it?
How does following simple systems change everything?
Would you like to visit simplecfo.com/gift ?
What are the takeaways?

David Richter is an active real estate investor who has been essential in closing over 850 deals over the last 10 years. He has experience with wholesale, turnkey, BRRRR, owner finance, rentals, lease options, and other exit strategies.

David has helped real estate companies completely turn around from going out of business to building cash reserves by using the Profit First cash flow system. He has been featured on Biggerpockets, Real Estate Disruptors with Steve Trang, and many other podcasts, shows, and stages.

David authored Profit First for Real Estate Investing – a derivative of the original Profit First by Mike Michalowicz, tailored specifically to Real Estate Investors. His goal is to completely transform the Real Estate Investing industry by helping real estate investors make and KEEP more money in their businesses. As the founder and owner of SimpleCFO Solutions, he wants to bring investors true financial clarity and freedom and help every investor stop living deal to deal.

In this episode, we ask:

Have you ever wished you were just average?
Are you a business owner?
Why do some business owners thrive and others merely survive?
What if it were easy to become profitable?
Who is Mike Michalowicz?
What is the commercial that changed Mike’s life direction?
What happened when Mike was in overwhelming debt?
What is Parkinson’s law?
What about doing fewer things, better and faster than ever?
What about making the (scary) choice to take profit first?
What did Mike realize?
What about cost cutting?
What about growth?
How did Mike flip the (Sales-Expenses=Profits) formula to (Sales-Profit=Expenses)?
Would you like to hear Episode 165?
How might one implement Profit First?
What is a behavioral intercept?
How might we set up a system to drive the results we want?
What are the core elements?
What is the vault?
What about blending the Bank on Yourself® strategy and Profit First?
What are the pitfalls?
What about Occam’s razor?
What about leveraging your natural tendencies?
What are Mike’s four healthy habits?
Did you know that Brandon Neely and Amanda Neely are Certified Profit First Professionals?
What is a Certified Profit First Professional? Would you like to visit profitfirstprofessionals.com?
What about Mike’s latest book, All In?
What do your clients want more than anything else?
What are the takeaways?
Which one of these actions will you take this week?

Mike Michalowicz is an investor, active partner in multiple companies and a prolific author. His bestselling book, Profit First, has sold more than one million copies.Mike is a former small business columnist for The Wall Street Journal, and he launched three multi-million dollar companies before his 35th birthday.

If you enjoyed reading Profit First, you may also enjoy his other books, including All In, The Pumpkin Plan, Clockwork, Fix This Next, Get Different, My Money Bunnies, Surge and The Toilet Paper Entrepreneur.

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In this episode, we ask:

Would you like to hear Part 1 with Dave Bonnemort?
What about mindset?
What about cash value life insurance?
What is the point of all of this?
What about building capital?
Can you do hard things?
What’s Dave’s experience with his policies?
What about thinking long range?
Do you want a million dollars today or a penny that doubles every day?
What about dividends?
What was Nelson Nash pounding the drum about?
When do you want your money to be most efficient?
How does the Bank on Yourself® or Infinite Banking strategy fit into the E.S.I. framework we talked about last week?
What about warehousing your wealth?
What about emergency funds?
What about starting a business and access to opportunity funds?
What about looking at the flow of money?
What about the Profit First book?
How does Dave pay his taxes?
How does Dave protect the family and the business?
What is the Augusta rule?
What about paying for college and beyond?
What about saving to drive the efficiency of the dollars?
What about real estate, crypto or starting a business?
Does the choice have to be either/or?
How is life insurance an “and asset”?
How do the tax dollars pay for the life insurance premium?
What did Dave learn from Nelson Nash?
What about insurance as an asset class?
How did Dave choose to work with Mark?
Do you build capital in an investment?
Who gets burned?
What about ruminating over all of the information, to really absorb and learn it?
What about being more strategic?
What about paying a simple interest rate back to the insurance company?
What about having capital for opportunities?
What about getting better terms for cash (vs. financing)?
What about the example of the two sisters: the life insurance sister vs. the C.D. sister?
Why are books so important and so much better than social media?
What will take time?
What is a 30 year journey and process?
Who understands how to handle lump sums?
Who is willing to hustle and grind?
What are the strategies you can employ when you can’t pay a premium?
What about thinking long term?
Would you like to hear Episode 95 and Episode 96?
How might life insurance figure into your overall situation?
How might it be a safety net as well as accessible capital?
How might patience lead to exponential growth over time?
What about talking with your family to teach financial concepts in a practical way?
Would you like to meet with Mark?

Dave Bonnemort is a current client and active practitioner of the Becoming Your Own Banker concept, as well as a husband to an amazing wife and father to three incredible kids.

He makes his living as a small business owner, is a student of Austrian economics, and a personal finance junkie.

In this episode, we ask:

Does X mark the spot?
Who is Dave Bonnemort?
How did Dave get his start?
How many policies does Dave and his family own?
What is the E.S.I. framework?
What about earning?
What about saving?
What about interest?
What about banking?
Who is good at at least two of the three?
What about investing in yourself and your health?
What about education?
How might we bring value to others?
What have you done to help keep up with inflation?
What is the difference between saving and investing?
Is a 401(k) saving or investing?
What about the book Becoming Your Own Banker by Nelson Nash?
What about keeping your debts low?
What did Charlie Munger say?
What about Willie Sutton’s law?
What about the changing rules?
Have you looked at the history of taxes?
Where are the big payouts?
What about risk?
What about the likelihood of loss vs. the likelihood of winning?
What about volatility?
What about saving and building capital?
What about being broke as a joke?
How did Dave 10x some of his money?
Who knows better (what to do with your money)?
What about banking, rate and volume?
What are the two businesses?
How about patience and hard work?
What about the mindset?
What are the ugly, painful, grinding years?
What about the capitalization phase?
How is this like starting a tree farm?
What about the loan phase?
How much money do you bring in every month?
What dollar amount do you bring in as loans?
What if you were paying yourself back (for loans) and recapturing that interest instead?
Would you like to hear Part 2 with Dave next week?
What are the takeaways?
What about the need to have accessible, liquid capital?

Dave Bonnemort is a current client and active practitioner of the Becoming Your Own Banker concept, as well as a husband to an amazing wife and father to three incredible kids.

He makes his living as a small business owner, is a student of Austrian economics, and a personal finance junkie.

In this episode, we ask:

Are we in a retirement crisis in this country?
How was that agent trained?
What is the problem with indexed universal life insurance (IUL)?
Have you read the book Becoming Your Own Banker by Nelson Nash?
Would you like to hear Episode 312?
Have you read Pamela Yellen’s book The Bank on Yourself Revolution?
What did the estate planning attorney say?
What was on the Comparing Life Insurance Solutions document (see readable image of document below)?
Have you been tricked?
What’s in the fine print?
What about withdrawals?
Can you put money back into an IUL after a withdrawal?
What is the main purpose of a life insurance company?
What about the investment portfolio?
What do insurers make on their overall portfolio?
What types of investments are in the insurer’s portfolio?
Who believes 7%?
What is mathematically impossible?
What rate of return is legally shown on the statements?
Is there such a thing as an average rate of return?
What will the insurers do with an IUL contract?
Do you remember the Fast and the Furious, etc.?
What happens if you take a loan from an IUL and the market crashes?
What is the feature?
What about the insurance expenses?
Why is that IUL cash value shrinking?
Why does the cost of insurance go up every single year in an IUL?
What about tax-free loans with an IUL?
What happened to the IUL writing agent?
How much are you taking out each year to supplement your retirement?
How many years are you getting 0 on your index?
Do you have income to pay down the IUL policy loans?
What adds to the pressure?
What happens to 88% of IUL policies?
How many IUL policies pay a death claim?
What if your IUL policy lapses with gains inside of the contract?
How long do you have to pay the taxes?
What is the over loan protection rider for those age 75+?
What about properly set up permanent dividend paying whole life insurance, from a mutual insurance company that offers non-direct recognition loans?
What is true?
What happens if you totally ignore the policy loan?
When does a policy risk lapsing?
What about flexibility?
How about a thought exercise, a tale of two contracts?
What happens when you’re in your in your eighties and can’t pay the higher premiums?
What are the guarantees in IUL?
What are the guarantees in whole life?
What is annual renewable term insurance (ART)?
What about costs?
What are the differences?
What are the limits of an IUL?
What is a reduce paid up policy (RPU)?
Can one RPU an IUL?
What about the strength of dividends?
What should this document say about whole life insurance?
What is the cost basis?
What about the rules for policy loans?
Why the ommissions on the IUL side?
What is a stalwart of several centuries of financial stability?
What is the big experiment of modern times?
What almost never pays a death benefit?
What about the gains being taxable?
What about the tax implications for beneficiaries of IUL policies?
What is the 1035 exchange?
Can one 1035 exchange from an IUL into a whole life policy?
Who’s in your corner to help you navigate and interpret all of this jargon?
Would you like to meet with Mark or one of Mark’s colleagues?

In this episode, we ask:

How about the young and the rest of us?
How about the bold and the broker?
How about general hospital, finance wing?
How do we cope with the drama?
Would you like to hear Episode 363?
Would you like to hear Episode 144?
What about debt to your future self?
What about liabilities?
What about assets?
What about student loan debt?
Who is stuck in the cycle of debt?
Who passes on the cycle of debt to the next generation?
Why are they in debt?
What happens when you take a life insurance policy loan?
How can you beat cash?
What happens if you need to buy a car?
What is the average retirement savings?
What about the boomers?
Who will be able to retire?
What are the options?
What about savings?
How many retirees plan on depending on Social Security?
How much would the reduction be?
Do you like cliffhangers?
How about a real happily ever after?
Would you like to schedule a meeting with Mark?

In this episode, we ask:

How about dealing with the complexities of the long term care industry?
According to the Department of Health and Human Services, how many will need Long Term Care insurance?
How many people own Long Term Care insurance?
What about self-insuring?
What’s the percentage of people that confused Long Term Care insurance with Long Term Disability or Health insurance?
Will the gallows humor pay for the bills?
What are the major changes that affected this industry recently?
What about home-based care?
Why is Long Term Care insurance so unappealing?
Is Long Term Care insurance use-it or lose-it?
What about the trend toward dual-purpose policies?
What percent of Americans are living paycheck to paycheck?
Who can afford even a small emergency?
How much does Long Term Care cost per month?
What about unpaid family caregivers?
How is the family doubly harmed?
What happens to a woman in her 50s who finds herself caregiving?
What happens as the boomers start to retire?
Would you like to visit caregiver.com?
Who wants to talk about aging?
What about nursing homes?
Is Bank on Yourself® just a death benefit?
What about living benefits?
What about the Accelerated Death Benefit Rider (ADBR)?
What can you use the money for?
What are the activities for daily living (ADLs)?
Would you like a lump sum or a periodic payment?
What about giving to charity?
What about surgery and medical bills?
What about paying someone for ongoing care?
What about home repairs?
What about a cruise?
Are there any restrictions on the use of the money?
How about some more case studies?
What about options?
What about taking care of the expenses in the final years?
How about an example?
Would you like to hear Episode 91?
What will you build for yourself and your loved ones?
Would you like to meet us at the FREE Not Your Average Financial Community?
Would you like to meet with Mark?

In this episode, we ask:

What is your financial story?
Who is Amanda Neely?
What is the S.T.I.L.L. method?
Would you like to hear additional episodes with Amanda?
What are the 12 principles and the 5 steps?
What is in the book Five Smooth Stones?
What about setting your sights?
What about tracking your in-and-outs?
What about inspecting your progress?
What about looking for the micro-adjustments?
What about living deliberately?
What about goals, visions and dreams?
What about looking out along the horizon?
What about tracking your money (budgeting)?
How might one give every dollar a job with cash value inside a policy?
What about inspecting your progress?
Am I more free or less free?
Will you want to change?
Are you changing too quickly?
Will you stick to it?
Is it good if the progress is too easy?
What about micro-adjustments with business owner clients?
What about living deliberately?
What’s it going to take to make an adjustment?
What are some of the biggest challenges?
What happens as Amanda lives more deliberately?
What are the logistics?
What do you need to decide?
What spirit do you need to bring to this?
What about additional resources?
What did Henry Ford say?
How is this different from other books?
What is Amanda’s special offer?
Would you like to buy Five Smooth Stones and use the code: NOTAVERAGE ?
What are the takeaways?

Amanda Neely, CFP® is a Certified Financial Professional® and Bank on Yourself® Professional, who uses her years of experience in business growth to develop personalized financial strategies for individuals, couples, and entrepreneurs. She works with people to find their unique path to financial freedom. Reach out to Amanda at www.wealthwisdomfp.com

In this episode, we ask:

Would you like to hear Episode 360?
What about losing the initial excitement?
Why am I doing this in the first place?
What are the steps?
What about the application?
What about the medical exam?
What about medical records from your physician’s office?
What about the health rating?
Is getting a health rating a deal breaker?
What is a health rating?
What does it really mean?
What is super preferred approval?
What is standard approval?
What about the table ratings?
What about the level of risk?
What happens with the higher letter?
What happens to the cost of the policy?
What does the death benefit represent to the life insurance company?
What about the law of large numbers?
What about costs?
What happens when someone gets a health rating?
How about a case study?
What about a reassessment?
What about qualifying for a lower table rating?
What about tobacco ratings?
Is your health rating locked in for life?
What about rated policies?
What are the benefits?
Is this your last chance?
What are your options?
Would you like to navigate with Mark?

In this episode, we ask:

Would you like to join our FREE! Not Your Average Online Community?
What are you missing?
Who is Julia Reid?
Is Bank on Yourself® considered an investment?
What does Pamela Yellen say in the Bank on Yourself Revolution book?
What are some possibilities?
What about compound growth?
What about the classification of things?
What about choosing the right club?
What is the difference between investing and saving?
What about the feelings of going through underwriting?
Who are the buyers?
What are the ongoing commitments?
What is the difference between the Bank on Yourself concept and the Infinite Banking concept?
How is the Bank on Yourself Professional program quality controlled?
What does Mark find in Infinite Banking illustrations?
Is it a good idea to borrow against a policy to buy a new policy?
What are all of the nicknames?
What happens with this in real life?
Why does the franchise model collapse?
Should one borrow money to fund life insurance policies?
What about group plan benefits?
Can one move or convert a group life insurance (term policy) over to permanent whole life insurance?
What about 162A plans?
Would you like to join our FREE! Not Your Average Online Community?

The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future

In this episode, we ask:

Are you a business owner?
Are you having difficulty hiring?
What did a recent Gallup poll say?
Who is Doug Peacock?
Would you like to hear Episode 262?
What are the seven ideas of “put me (life insurance) on your payroll”?
Would you pay me like your lowest paid employee?
Are you speaking about hiring an employee?
As a thought exercise, could a whole life insurance policy be viewed as an employee?
Is every employee an asset?
Is every life insurance policy an asset?
Do you like me?
Would you fire me in 10 years?
What about other major business expenses?
What happens if you get sick?
If you get sick, would you pay yourself?
Would you like to hear Episode 256?
What is waiver of premium?
Do you need a loan?
What about saving money?
Is the money liquid?
How does one use a policy as collateral?
What about HELOCs and car loans?
What about the rate?
What about the volume?
Who controls that process?
Is smart to collateralize?
How many options do you have?
What about supplementing retirement income?
What about the efficiency of policies?
What about conventional advice?
What do CPAs do well?
What do CPAs tend to do poorly?
What about tax advantages?
Are death benefits tax-free?
What can your money do for you?
Would you like schedule with Doug at peacockwealthgroup.com?
How powerful is whole life insurance helpful for your business?
What are the benefits?
Is it time to re-evaluate where you place your savings?
Who do you need to work with to get everything in order?
Doug Peacock spent 38 years as a high school teacher and football coach. He tried to retire the traditional/conventional path, and things didn’t work out like he was led to believe. He learned that other teachers and coaches were having the same conversation. Doug literally watched his 403(b) become a 203(b) twice in the last decade of his teaching career. He knew there had to be a better way, so he started learning how wealth really works.

In this episode, we ask:

Did something or someone take you out?
Can you retire at all?
What are some tactical strategies?
Do you feel behind?
What happened to the stock market?
What happened in 2022?
What does one need to keep up with inflation?
What happened to the average 401(k) balance?
How long does it take to break even?
What is a single premium policy?
What about the fixed paid up additions rider?
What are the costs of the C.U.R.E. strategy?
What is the growth potential on this strategy?
How about a case study?
What about the tax?
What about risk?
What are the two stage rocket strategy stages?
…What to do?
What about a catch-up retirement engine?
How about the numbers?
What happened?
Would you like to hear Episode 271?
Would you like to hear Episode 150?
Would you like to hear Episode 83?
What are the takeaways?

In this episode, we ask:

What if…?
What if you could be the master of your financial domain?
Who is Grant Thompson?
Would you like to hear Episode 208?
When was Grant’s “aha” moment?
What really works with money?
What is the right thing?
What is the truth?
What should we be doing?
What do you want?
How about a story?
What will be your exit plan?
What did Nelson Nash say?
Is it true or false?
Can they prove it?
What about shame?
What about social media?
What was Nelson like?
Would you like to hear Episode 95?
Would you like to hear Episode 96?
What about the Austrian economists?
What about teaching the process of the banking function?
Have you read the Creature from Jekyll Island book?
What about getting to 10%?
What economic system works?
What systems don’t work?
What do you have to wait for?
Who can opt out of the banking system?
What would change?
How would credit card companies be impacted?
How would marriages be impacted?
How would student loan companies be impacted?
What about creating your own private financial system?
What about tax efficiency?
What about safety?
What about growth?
What are the other benefits?
What about taking care of your family?
What about taking care of charities?
What about the rate of return?
What is the amount of money going out the door?
Who is making a ton of money?
What are the four places money can go?
How much income is going to debt?
Can you cut your spending by 10%?
How much money are you hanging on to?
Who has the most money?
What about control?
What will stabilize everything?
What about passive income?
How do you want it?
What are we missing?
What about rethinking thinking?
What about Ted Benna, the father of the 401(k)?
What about key executives?
What about employee benefit plans?
Who else is doing this?
What is the truth? What is real?
How about success?
Are people happier with guaranteed lifetime income?
Who are you listening to?
What is the best thing to do?
What about greed and fear?
Who are the right people to help you do it right?
What about taking some time to investigate it?
What did Thomas Edison say?
What about truth being dressed in overalls and looking like work?
Is it easier to believe the lie?
Would you like to visit thompsonthurman.com?
Would you like to call Thompson & Thurman at 806-352-3480?
What are the takeaways and action items?

Grant Thompson works with families and their businesses nationwide. The Thompson & Thurman Agency works with families who share in their vision and want to become financially set for life without taking unnecessary risks. With so much misinformation in our financial world today, families really need guidance and direction to find the true path to financial freedom. Grant, Chris and their team of trusted advisers nationwide have are leading the way to meet that challenge. Grant is married to his wife Kathy and they have 2 sons Blair and Blane along with his wife Brittany. Grant enjoys spending his spare time with his family at reining and cow horse competitions plus trying to squeeze in a shooting competition every now and then with his sons. thompsonthurman.com

The Creature from Jekyll Island : A Second Look at the Federal Reserve

In this episode, we ask:

What lasts forever?
What could be happening right before our eyes?
What did the February 2024 Bloomberg article say?
How old is a 401(k)?
Are we still living through the great experiment of a 401(k)?
Is it forced?
Who is going with the flow?
Is it just automatic and easy?
What’s the point?
Why are many people starting to scrutinize 401(k) accounts?
What will happen?
What about the tax benefits?
Why bother at all?
What are you agreeing to?
What about the book 401 (not) Ok?
Do you want anything on this list?
What is sacrilegious?
Is that money all yours?
How much is in a 401(k)?
How much of that belongs to the owner?
What about the vesting trap?
Who else gets a portion?
Are tax rates going down?
Is it “monopoly money”?
What is a ticking time-bomb?
What’s the solution?
What are employer sponsored liquid accounts?
What about penalty?
What about liquidity?
What are the taxes?
What about the gains?
How is this different from a Bank on Yourself® type whole life insurance policy?
What do studies show?
What about automatic employer contributions?
Would you like to speak with Mark?
Is it easy to withdrawal money from a retirement account?
What is gone?
What is a downfall?
Does the money stop growing?
What continues to grow?
What about big life expenses, like paying for college?
Is there a vesting schedule with the Bank on Yourself® type whole life insurance policy?
What grows tax-deferred?
What represents real wealth?
What is locked in, even when the market takes a crash?
How old is the Bank on Yourself® type whole life insurance policy?
Why do we keep using a 401(k) for retirement planning?
Would you like to hear Episode 9? Is it time to retire your 401(k)?
Would you like to hear Episode 10? Your 401(k) – who is benefiting the most?
Would you like to hear Episode 11? A 401(k) – How’s that working out for you?
What are the takeaways?
What is the true cost?
Would you like to meet with Mark or an associate?

In this episode, we ask:

What is finite?
How do we solve that problem?
What can be converted into a lifetime stream of income?
Is there a stream of income that you cannot outlive?
Would you like to hear Episode 354?
How can you get through your retirement without coughing up a third of your income into taxes and fees?
What about the allegory of the cave?
What about the fear of change?
Who has a 401(k)?
Did you know…?
What could take about half of your life savings away?
Are you one of the lucky ones?
Would you like to hear Episode 79?
How much would one have after taxes and fees?
How much could one take per month?
What about another way?
What if one could spread it out slowly?
What happens in systematic withdrawal?
What are some possibilities?
Who would like to preserve the wealth?
How about an example?
What about annuities?
What about fun?
What would you rather have?
Would you like to meet with Mark?

In this episode, we ask:

What are you looking for?
What are the reasons for setting up a policy?
What are the downsides?
What do we need to keep in mind?
What about a finite amount of money?
What about accumulating?
What about taking money in retirement?
What about outliving your money?
What about dying too soon?
What about triggering an estate tax issue?
What is the current federal estate tax trigger?
What can change?
Who will trigger this?
What about state estate tax exemption?
Will Bank on Yourself® policy holders trigger these estate taxes with the death benefit?
What about creating an estate?
What is standing there as a shield?
What can serve as an estate liquidator?
How about a case study?
What about unpleasant surprises?
What happens if you enjoy retirement?
How does this solve the estate tax issue?
What about the problem of out living your money?
What accounts carry this risk?
How much have you built up?
How much can you pull each year without running out?
What do you avoid?
What about market volatility and sequence of returns risk?
What about fees?
What about taxes?
How are you going to make this money last?
What is the hardest question of all in finance?
What happens with a portfolio of policies?
Would you like to hear Episode 252?
What about the 1035 exchange?
How is this like a 1031 exchange in real estate?
What is the plus strategy?
Can you roll a life insurance policy’s cash value into an annuity?
What is the advantage of an annuity?
Will you get paid a lifetime income?
How about an example?
What about a 401(k)?
What did Wade Pfau, David Blanchett and others say?
How much would you rather have?
What would you prefer?
How much would you prefer?
What are the downsides?
What is there to consider?
Are annuities liquid?
Are Bank on Yourself® type whole life insurance policies liquid?
Can you Bank on Yourself® with an annuity?
Do annuities have tax-advantages?
Is it purely tax free?
What happens with a portfolio of policies?
What can you transform?
How much do you want guaranteed?
What can be used for medical expenses?
What about leaving a lump sum to a surviving spouse?
Can one take a partial 1035 exchange?
Who needs to know about this?

In this episode, we ask:

What did Mark learn from his parents?
What was a great gift?
What happened in high school?
What did Mark receive after college?
What happened with Dave Ramsey?
How many jobs did we work?
What did Mark’s mom do?
What about health ratings?
Would you like hear Episode 43?
Would you like hear Episode 322?
What did they discuss?
What happened?
How did Mark’s mom leverage her policy’s cash value?
What about the Roth IRA?
What happened next?
What happens with a health rating?
What about Mark’s dad?
Would you like to hear Episode 302?
What about the Upton Sinclair paradox?
What was Dad’s philosophy for money?
What did he believe about home values?
What did Mark’s mom do through the cancer diagnosis?
What are the limits on a Roth IRA?
What happened in January 2017?
What about estate planning?
Are your documents in place now?
Are your parent’s documents in place now?
Do you have a will?
Do you have a medical power of attorney?
Do you have a financial power of attorney?
What avoids probate?
What does not avoid probate?
Are life insurance proceeds private?
Do you owe them or not?
How might you avoid heartache?
What goes directly to the beneficiaries?
How much did she pay in as premium?
How much did the benefits pay?
What was the return?
What was the tax?
What were the fees?
Where did Mark and his brother put the money?
What would Mark prefer?
What makes Mark smile?
What happened with Mark’s dad?
What happened at the end?
Do people actually invest the rest?
What happens with term insurance?
What was worthless to him?
Is your will updated?
What are the issues with term insurance?
What about love?
What has Mark learned through losing both parents at a young age?
How about a tale of two parents?
What are the big takeaways?
What is messy?
How might you leave the best last gift?
What about letting policies expire?
Where would you like to be buried?
What songs would you like to be played at your funeral?
Would you like to hear Episode 149?
Does this story resonate?
Do you have a similar story or experience?
How might you leave the best last gift?

In this episode, we ask:

Have you ever wondered what it takes?
What are the struggles?
Would you like to hear more from Lindsay and Ryan Rice of Rice Properties Group?
How did they get started?
How did they nurture and generate a referral-based business?
What about relational business?
What about transactional business?
How about serving people?
How do they manage?
How do they work together and set goals?
What about life insurance?
What about Bank on Yourself® type whole life insurance policies surprised Lindsay and Ryan?
How have they leveraged their policies?
What about taxes?
What about retirement?
What about cash flow?
What’s the difference between a challenge and a burden?
What happened in 2021?
How about variable income?
What about reinstating a policy?
What happens once your policy is filled?
How does one determine the right size for a policy?
Would you like to meet with Mark?
Would you like to hear Episode 203?
How about some words of wisdom?
How is this like working out?
Would you like to search for Rice Properties Group?
What are the takeaways?
What are the action items?
How about the power of uninterrupted compound growth?
How about resilience in challenging times?
Is your current plan the right size?

Lindsay and Ryan Rice are the entrepreneurial spirits behind Rice Properties Group, a real estate powerhouse built on the foundation of love, partnership, and a steadfast commitment to financial mastery. Their journey began as colleagues, where they not only excelled in sales but also found love, becoming the company’s first couple to transition from quiet dating to marriage. Their shared experiences at the startup, which has since become a multi-billion-dollar enterprise, laid the groundwork for their future endeavors in real estate.

In this episode, we ask:

What about the hidden things in your financial life?
Would you like to hear Episode 343?
What is the hidden dimension to our financial portfolios?
What is financial dark matter?
What is price?
What are the fees?
What is obscure?
What erodes wealth?
What is small, invisible but constant?
What are the consequences?
What about the illusion of progress?
What might send ripples through your financial plan?
What did JAMA say about wealth shocks?
What is the opportunity cost?
Are we doomed to the dark matter?
Why are we huge fans of the Bank on Yourself® strategy?
What is the aha! moment that changes everything?
What about peace of mind?
Do you know your money is going to do a certain thing?
What about owning the number?
Do you have a contract with your future?
How is this different from a 401(k) or a IRA?
Who is phased out of the Roth IRAs?
How much are you allowed to put in?
Can you have a financially secure future on the ROTH?
Is it liquid?
How can you access to the money?
What about penalties?
Who is tapping retirement accounts?
What did a recent Vanguard study say?
What retirement savings do Gen X members have?
What about living from paycheck to paycheck?
What about living on credit cards?
What about borrowing from a 401(k)?
What about credit reporting?
Would you like to listen to Episode 206?
What is one of the only ways you can be taxed twice on the same dollar?
What about being on a forced repayment plan?
Where does the money come from?
What about an after action review (AAR)?
What was the plan?
What went right?
What went wrong?
How might we do better next time?
What about an example?
What is the key takeaway?
What about constant refinement along the way?
What would it look like if it were easy?
What would money look like if it were easy?
What characteristics or attributes would it have?
How would you change?
What would you do about it?
What is the first step?
How do you feel?
What do you want more?
What did Lawrence Peter say?
Would you like to meet with Mark?

In this episode, we ask:

Can you imagine?
Would you like to hear another story from Jay Helms?
Would you like to hear Episode 243?
How did Jay break free from the rat race?
How did Jay leverage his Bank on Yourself® type whole life insurance policy’s cash value for real estate?
What was the annualized return?
What were the results?
What was the deal?
What was the loan amount?
What was the interest rate?
What happened six months later?
What’s a “me-loc” ?
What are the advantages?
What was the policy’s growth?
What is positive arbitrage?
Where else can you do this?
What about the risk?
What about first lien position as a safeguard?
What about coming out of the W-2 and going into the real estate world?
What did he say?
What did he not say?
What about liquid access to that money?
What about Jay’s mastermind group?
What about growth friends?
Would you like to join or login to the FREE Not Your Average Financial Community to access and participate in office hours?
How about a thought exercise?
Would you like to download this FREE two column sheet with growth friends | maintenance relationships along the top?
What are 20 of the most recent, important connections from your device (text, zoom, phone)?
What is the crab bucket?
What happens when you take action?
Would you like to meet with Mark?
Would you like to meet with Jay?
When is the best time to plant a tree?
What does Jay say about starting a policy?
What are the takeaways?
How might you leverage your life insurance?
What could be a powerful cash management tool?
What about positive arbitrage?
What are you waiting for?
What about calculated risks?
What about the importance of real relationships?
How will you think differently about your money, your economy and your future?

Thought Exercise: Growth Friends and Maintenance Relationships (PDF)

Jay Helms, Founder of the W2 Capitalist, escaped the rat race after 6 years of side hustling in real estate investing. Jay has a goal to help one million people create multiple streams of income, achieve financial freedom, or build legacy wealth through real estate investing. Jay met his wife Cassie when they were contestants on a reality TV show and when their family of 5 are not traveling the country in their RV, Jay and Cassie reside in Gulf Breeze, FL, with their three kids, Rowland, Stella, and Ellen Anne. Knowing that closing on the first deal is the biggest hurdle and roadblock for new investors, he wrote a book, Make An Offer: Break Through Analysis Paralysis & Grab the Confidence You Need to Become a Real Estate Investor, to help them get over those mental hurdles.

None

In this episode, we ask:

What annual day did Americans just survive?
Where do you pay tax?
Who pays the most in lifetime taxes?
Who pays the least?
What about your heirs?
Do you want theirs or your heirs to get the money?
What is legally required?
Would you like to hear Episode 199?
What are the steps?
What about income tax?
What about assets that force an income?
What about assets you can borrow against?
What about collateral?
What about the tax to your heirs?
Is this only for the ultra-wealthy?
What are some ideas?
What happens when the laws change?
What about BITA?
What about taxing the rich?
How does this affect the middle class and less wealthy?
What about estate tax?
What about interest rates?
What about a mindset shift?
Are there capital gains on life insurance?
What are the problems?
What is guaranteed to grow?
What is not guaranteed to grow?
What happens if you find yourself underwater?
What about liquidity?
What about compounding?
What assets compound?
How about an example?
What about the power of compounding growth?
What are the opportunities?
Is everyone going to be able to save enough money?
What about saving a modest amount?
What are billionaires doing with their stocks and real estate?
What are the quick takeaways?
What are the strategies?
What about the risks with common strategies?
What about whole life insurance?
What about reducing your tax burden now?
What about a Bank on Yourself® type whole life insurance policy?
Would you like to visit notyouraverage.mn.co?

In this episode, we ask:

Would you like to see videos?
Do you have an existing advisor?
Can Mark predict what they will say?
What are the motivations beneath their comments?
What is it hard for them to hear?
Can the other professional build a knock off version?
What is completely normal?
What about fewer fees?
What about the loss of big commissions?
What is the motivation?
What process happens with a transfer form?
Do you have a similar product?
What are the fees?
What are the taxes?
Who knows how to build a Bank on Yourself® type whole life insurance policy correctly?
What about guarantees?
Can Mark sign a guarantee?
Would they be able to sign a guarantee?
What about the disclosures?
What about the market-based advisor?
Would you like to hear Episode 36?
What’s on the internet?
Where is that advice coming from?
Do they have your best interest at heart?
Are they obligated to consider your best interest?
What is the problem exactly?
Is their situation just like yours?
Does your kid have financial advice for you?
What about death benefit numbers?
How about a review?
What about the financial infotainers?
What is the misunderstanding?
What is the doubt?
What is the major flaw?
What about the crab bucket?
With whom do we work?
What is the good, the bad and the ugly?
What are the concerns?
What are the expenses?
What about your beliefs?
Who will be here for you?
What about insurer’s statistics and backing?
What about state’s sources?
What happened?
What questions do you need to ask your advisors? (Send your stories and answers to hello@nyafinancialpodcast.com!)
- Have you ever lost your clients in the past? If so, how can I be guaranteed that you won’t lose my money in the future? Can you put that guarantee in writing?
- Where do you think tax is going in the future, down or up? How will you protect me from (excess) taxation over my lifetime?
- Can you know for certain what the market will do over the next 40 years, or even this year?
- What can you do to help me grow my net worth and my business, if banks decide to reduce or takeaway my line of credit?
- What are your fees? Do you promise to eliminate them completely when you lose my money in the market?
- What are you doing to completely protect me from market downturns?
- What are you doing to completely protect me from creditors if my business fails?
- What is your plan for me when I bring on equity partners and eventually sell my business?
What would you like to discuss further?
Would you like to meet with Mark?

In this episode, we ask:

Can you imagine being 5 miles deep into the wilderness of Wyoming?
How about that for a real-life encounter?
What would you do if you faced a wild grizzly bear?
What about the exceptional life?
What about good power for the betterment of those in your care?
What about Aslan’s safety in the The Chronicle of Narnia?
Who is Chaz Wolfe?
What happened to Chaz in the wilderness?
How did Chaz get from hunting to becoming a serial entrepreneur?
How to define success?
What are we in harmony towards?
What is winning in all areas?
What is the formula?
What are you after?
What is your chief aim?
Are you clear?
Are you making good decisions?
Are you sticking with it long enough?
What about belief?
What do I want?
Why do they call them brokers?
What is kingship?
What is the responsibility of power?
What are the second order consequences?
What about business and finance?
What about family and marriage?
What about health, mental and physical?
What about faith?
What about lifestyle and joy?
Who is carrying the weight?
What about stepping out of isolation and into a community?
What is Chaz’s story?
What about a full cup?
What about overflow?
What’s life like for Chaz’s coaching community?
Would you like to hear Gathering the Kings podcast?
Would you like to learn more about Chaz’s group?
What about growth in all areas of life?
What about business success?
What about personal growth?
What is balance for?
Where are we going?
How can you work on improving your life situation?
What is the final takeaway?
What does it mean to balance power and responsibility?
What is your domain?
How do you enjoy the process of taking care of others?
Would you like to work with Mark?

In this episode, we ask:

Why haven’t you subscribed yet?
What big purchases are coming up?
Can you earn your way out of expenses?
What happens in retirement?
Can you earn your way out of expenses throughout all of the ages of life?
What’s the difference between earning income at age 35 and age 86?
What allows for uninterrupted compounding?
How is this possible?
Who offers non-direct recognition policy loans?
How about an example?
What is the amount of the cash value?
What is the simple interest rate on the policy loan?
What happens over four years?
What happens to the policy?
What is the gain?
Did you earn more than you spent?
What happens over a longer time horizon?
What about dividends?
Would you like to hear Episode 345?
Would you like us to review your policy?
What is unbelievably cool?
What products stop growing your money when you spend it?
Can you imagine this chart?
What happens on the spend down?
What continues to earn interest?
What if you could continue to maintain the compounding growth on your money?
What are the implications?
What results shocked Mark?
What if they never paid off the loan?
How about another apples-to-apples example?
What does a policy loan look like in a direct recognition policy?
What about the interest?
What about receiving a weird letter from the insurer at age 81?
Where was the compounding?
Where did the growth go?
What does a policy loan look like in a non-direct recognition policy?
What about the interest?
What is the difference?
What is the policy growth based upon?
What about compounding and accumulation?
What about loan interest?
How much more?
Is the policy designed the right way?
Who is getting penalized?
How about a timely warning?
Does your agent understand the working parts well?
Is your policy built correctly?
Is your policy breaking compound growth?
What about the Gold Standard of the Bank on Yourself® Professional training?
What would it look like?
What about absolute certainty?
Do you have to know everything about how your phone was engineered to enjoy it?
How is a Bank on Yourself® type whole life insurance policy like a smart phone?
When was the last time you reviewed your current policy?
Would you like a second set of eyes?
Would you like to learn more by listening through our Episodes in a List?
What about time?
Are you serious?
Would you like a meeting with me or an associate?

In this episode, we ask:

What is a policy loan?
Why do we love the Bank on Yourself® type whole life insurance policies?
Is a non-direct recognition policy loan the best feature in the financial universe?
What is a direct recognition policy loan?
Is there really no difference between the two?
Does it really matter?
Why is transparency key?
What is the history between non-direct recognition and direct recognition policy loans?
How long have life insurance policies loans been around?
Over 150 years ago, how did insurers treat these separate loans with distinct interest rates?
What about collateral?
What about the life insurance general fund?
What about using your policy as collateral?
What about dividends?
How would the policy continue to earn interest?
Where is the money for the loan coming from exactly?
Why did some insurance companies move over to do direct recognition policy loans?
Why did some insurance companies hold firm with non-direct recognition policy loans?
What is a mutual life insurance company?
What about profits?
Who should logically have a higher dividend?
Who is penalized?
Do companies offering direct recognition policy loans offer slightly higher dividends?
Who is going to have a better experience?
What good is that cash value if you can’t collateralize it?
What about the living benefits of life insurance?
What is outrageous?
What did Nelson Nash say?
Who has real liquidity?
What about direct recognition policy loans for a time horizon (for 10 years, etc.)?
How about an example?
What is a 1035 exchange (a like-kind exchange for life insurance)
Would you like to learn more in Episode 252?
What happens in a scenario where direct recognition policy loans were taken?
What happens in a scenario where non-direct recognition policy loans (as in a Bank on Yourself type whole life insurance policy) were taken?
What about the dollar diagram?
What about the one dollar?
What happens if you put this single dollar into a paid up additions rider (PUAR)?
What about opportunity cost?
What happens if you spend that dollar instead of saving it?
What is the interest?
What benefits you?
What about dividends?
How do the insurers earn money for dividends?
How does that benefit policy holders?
How much would you have?
How many dollars…?
Is there such a thing as paying too much premium?
How about another example about a policy loan to purchase a car?
What did the three cars cost you?
How much did you net in the non-direct recognition policy loan’s policy?
Knowing all of this, why would you buy a car any other way?
Should you just get a bank loan?
What totally defeats the purpose of Bank on Yourself®?
Are you being penalized?
Which scenario keeps me more in control of my own money?
Which scenario yields control to the bank?
What about Bank on Yourself® policy engineering?
Would you like to meet with Mark?
Would you join us next week?

The topics and images presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

In this episode, we ask:

Would you think long range?
Would you like to hear Part 1, Episode 343?
How about an example?
What about an inheritance?
Are you going to bet on it?
What about creating legacy programs?
What did you see?
What didn’t you see?
Who owned the number?
What happened when Ms. Smith died?
Who understood the idea of legacy?
What are the powerful implications of legacy maximization?
What about family and religion?
What about ownership?
Would you like to read Len’s books?
How will generational planning improve your life today?
Would you like to visit wealthandwisdominc.com?
What are the action steps?

Leonard Renier studies the economic trends and shifts and the impact of government programs and regulations on the social fabric of our country. His research has resulted in bringing a new awareness to the financial challenges the average American faces. Leonard is considered an expert in communicating these challenges and believes with more information; people will make better life decisions. As founder of the Wealth & Wisdom Institute, Leonard recognized the importance of Education, Discovery and Understanding. He has been involved in the financial services industry for over 30 years.

In this episode, we ask:

How do magicians make the impossible, possible?
Have you heard financial advisors act like magicians?
Do you want your financial advisor to retire before you?
What don’t you see?
Who is Len Renier?
What is the Wealth and Wisdom Institute?
What about knowledge?
What about wisdom?
Would you like to learn about hiddenomics?
What about time?
Will you inherit the financial challenges in your life?
Will you inherit the financial solutions?
What do you see? What don’t you see?
What will impact your financial future?
What about Len’s book, Double Jeopardy?
How about a story?
What financial accident will occur?
What are the five core elements?
- Risk
- Taxes
- Regulation
- Inflation
- Depreciation
Which of these five elements do you control?
Does your 401(k) solve these problems for you?
When can you create a brand new ending?
What are the critical stages?
What is the role of the government?
How much did they collect in income tax?
Do you believe it’s a good idea to defer tax until a later date?
What about the debt issue?
What about the unique inflation situation?
How do they measure inflation?
What about the cost of energy and food?
What was the two year inflation rate (as of Autumn 2023)?
What about credit cards?
What is losing value?
Is accumulation buying power?
How about an example?
What about buying power?
How about a qualified plan example?
What about the hidden elements?
Why is ownership important?
What about reducing the element of risk?
What questions do you need to ask?
What about the money matrix?
What about owning the number now?
What are the action steps?

Leonard Renier studies the economic trends and shifts and the impact of government programs and regulations on the social fabric of our country. His research has resulted in bringing a new awareness to the financial challenges the average American faces. Leonard is considered an expert in communicating these challenges and believes with more information; people will make better life decisions. As founder of the Wealth & Wisdom Institute, Leonard recognized the importance of Education, Discovery and Understanding. He has been involved in the financial services industry for over 30 years.

In this episode, we ask:

What is the exceedingly odd number?
Why?
What about the imperial Roman war chariot?
What about the space shuttle?
What are the historical roots of our financial principles?
What are the ruts?
What are the engrained financial beliefs?
What would you do?
Who is stuck in the rut?
What is analysis paralysis?
What about second guessing yourself?
What are the phases?
What about curiosity?
What about hope?
What changes?
What about the fear of making the wrong decision?
What about missed opportunities?
What about real consequences?
What about the inverse relationship between spinning tires and forward momentum?
Where is your energy going?
What do we do with overwhelm?
When does this become a problem?
What about confusion?
What about whirlwinds of thought?
What about the spinning wheel of over-thinking?
How might analysis paralysis sabotage the big issues in your life?
Is the tire just stuck in the snow?
What happened to Mark when he learned about the Bank on Yourself® type whole life insurance policies?
Do you truly understand the policy?
What about rigid thinking?
What about cognitive flexibility?
What are some both/and ideas?
What about an example?
What happened at the year-end review?
What about perfectionism?
What about being careful?
What about people pleasing?
Is the person I’m trying to please planning to be financially involved with my financial future?
Who has made mistakes with money?
How might one recover resilience and confidence?
What did Mark learn when his car was stuck in the ice and snow?
What is the correlation between learning and doing?
What do you need to know?
What about the contractual guarantee?
What about the financial ruts of the past?
Where do you want to go financially?
What are some steps?
What are the signals the body and mind are sending?
What about the permission to be flexible?
Are you confident that you can make good decisions?
What’s the worst that can happen?
Who is can deal with moments of stress, challenge and discomfort?
Who deserves to get a voice, and who are the stakeholders?
What can we predict?
What about a financially solvent future?
Do you know enough to make a good decision?
What are your success stories?

In this episode, we ask:

How might you phrase a question?
Would you like to hear some commonly asked questions?
Would you like to email us at hello@nyafinancialpodcast.com?
How much should be put into base premium and how much into paid up additions?
Who is your Bank on Yourself® Professional?
Who protects the Bank on Yourself® brand?
Why is this important?
What are the three major components?
Would you like to hear Episode 6?
What is a base face amount?
What remains fixed?
What about guarantees?
What is the term rider?
What about converting term riders?
What is the paid up addition?
How does the paid up addition affect the death benefit?
How about an example?
How are Bank on Yourself® type whole life insurance policies different from traditional, basic whole life insurance policies?
What happens if you shrink down the face amount?
What problem could develop?
Do you have a modified endowment?
Why add a term rider?
How much does the term cost?
What is the benefit of the term rider?
What accelerates the cash value accumulation?
What increases the death benefit?
Would you like to hear Episode 142?
What are the three components of a good sailboat?
What about a good balance?
Who knows how to build this properly?
Is the base a necessary evil?
How about a bank account?
How is the boat designed?
Where did that YouTube advisor get their credentials?
What is the reason for the base contract?
What about dividends?
What about upkeep?
What happens later on?
What about speed and power?
What happens if income drops?
What provides instant growth?
Why is some base important?
What is a strong blend?
What happens when you increase your base premium?
What are the benefits? What are the opportunity costs?
What likely happens to the dividends?
Who thinks long range?
When in your lifetime will you not need money?
How about an example?
What about liquidity?
What happened from year 3 to year 4 in this example?
Who is paying who for that life insurance policy?
How can this policy perform incredibly well?
What about the long-term family business thinking of this Japanese hotel?
Are you able to think long range?
Are you thinking about multiple generations?
When do you want your money to be most efficient?
What about balancing your base premium with paid up additions properly?
Are you aware of the risk of a shrinking base / face amount?
Did you know term riders can be your friend?
Have you reviewed your existing life insurance policies?
Who is your Bank on Yourself® Professional?
What tools have you reviewed?
What questions do you have?
What valuable insights might you discover?
Would you like to ask a question for the mailbag by emailing us at hello@nyafinancialpodcast.com?

In this episode, we ask:

What if you could take real control?
How do life insurance policy loans really work?
Would you like to hear even more about policy loans in Episode 32?
What are some of the misconceptions about policy loans?
What about pulling cash from a savings account?
Is it scary to request a policy?
How does one take a life insurance policy loan exactly?
Spoiler alert?
How are life insurance policy loans different than bank loans?
Who is in control when you take a loan?
How do you take your first loan?
Is there loan interest?
How is it calculated?
Is it annually charged?
Is it based on policy anniversary year or calendar year?
Is interest charged at the end of the year?
What is interest charged in arrears?
What is the best way to manage policy loans?
What about the accrual of interest?
When does the interest compound?
How about an example?
When are your dividends paid?
When is the annual premium due (if you are paying annual premiums)?
How much interest accrued?
What happens if you make no loan repayments?
Do you see how using a policy loan allows you to pay a policy loan down faster than another type of loan?
Is 5% always, exactly, 5%?
What happens if you pay your loan off in a responsible way?
What is the real (annual percentage rate) APR?
How about another loan example for $10,000?
- What if you paid a $250/month loan repayment?
- Would the interest be accruing but not compounding?
- Would the interest be charged annually in arrears?
- What if you paid the loan off completely within 4 years?
- Wouldn’t the total interest be $830.23, with an APR be much less than 5%, closer to 2.08% APR?
Is borrowing at 2.08% APR attractive in today’s environment?
Is the policy’s cash value still growing, even with the policy loan outstanding (as if you never took a loan)?
Isn’t it nice that you’re not snowballing your interest all year long?
When do they compound your interest?
Don’t you wish that other loans would work this way?
Are we even scratching the surface of how cool these policy loans are?
What happens if you don’t pay your policy loan at the policy’s anniversary date?
When is the interest due?
What are the options?
What letter does the insurer send regarding the loan?
What happens if you ignore the letter?
Who is in control?
How could you make it so your interest would never compound… ever?
How about that advantage?
Have you noticed that interest rates are rising?
How predictable is life insurance?
What will the insurer do with the loan interest rate upon the policy anniversary date?
What about simple interest?
What about simple interest compounded annually in arrears?
What about red tape?
Are there prohibited transactions?
Are you able to deduct the interest?
What about business owned life insurance policies?
What are the IRS rules for business owned life insurance policy loan interest deductions?
What about an example?
Did I pay for that car twice?
Would you like to hear Episode 110?
Do we often make payments on the other side of a purchase?
What happens when we repay the loan?
What is it really like to take a policy loan?
Can you take a loan online?
Do you have to set up a loan repayment?
Should you repay your loan over a reasonable amount of time?
What would the bank require?
Would repaying the policy loans increase the available cash value?
Does the cash value grow on a guaranteed basis?
What about long term loans?
Would you like to hear Episode 87?
What about a case studies?
What did they do with the inheritance?
How did they self finance a construction loan?
What about business financing?
Would you like to hear Episode 75?
Do you understand how policy loans work?
What could you do with your policy?
Would you like to hear Episode 102?
Would you like to hear Episode 110?
Would you like to meet with Mark?
What about starting small?
What does responsible repayment look like?
Who needs to hear this?

For our existing clients, please contact our staff with any specific policy loan setup questions. This is what we do! We are happy to help, and we help clients with policy loans all day long. Please call or reach out to us, no question is too small.

In this episode, we ask:

Who do you know who needs to hear this?
Would you like a free book?
What are the four greatest dangers to your retirement?
Did you hear Episode 338?
How does the Bank on Yourself® type whole life insurance policy solve these dangers?
What does Pamela Yellen do to protect the intellectual property and quality of the Bank on Yourself® brand?
Are you getting a correctly and properly designed dividend paying whole life insurance policy?
Did you buy an incorrectly designed policy? Would you to book a meeting with us to get a second set of eyes on that policy?
Are you working with a Bank on Yourself® Professional?
Would you like to hear Episode 160?
What about predictable guaranteed growth, liquidity and tax advantages?
When do you need money most?
Where does the guarantee come from?
What about dividends?
How long have our companies been paying dividends?
What is the minimum amount of saving you will have on the day you plan to retire?
Who audits the life insurance companies?
How rare is it for insurance companies to go bankrupt?
Who backs the insurance companies?
Are banks a safe place to keep money?
How many banks failed in 2008?
What happened to the deposits of those banks?
Who bailed them out?
Pop quiz?
How many life insurance companies failed in 2008?
What happened to Lincoln Memorial Life Insurance?
What was the result for the policy holders?
What is Bank Owned Life Insurance?
What did an FDIC report show about bank’s life insurance holdings?
How much cash value is on the balance sheet of these banks?
What are banks doing with their money?
What about fees and cost surprises?
What happens in a traditional retirement account with fees of 1%?
How much is paid to life insurance agent as commission?
Which one costs more?
Which one goes on forever?
Which one has a stop loss?
Who gets guarantees?
Why would Bank on Yourself® Professionals take reduced pay?
How much of your cash value can you access?
What are the RMDs on whole life insurance?
Who is in complete control of the money in a life insurance policy?
What do you finance?
Who pays interest?
Who earns interest?
What about assets under management (AUM)?
What about all of the dollars you pay in expenses throughout your life?
What is the required repayment scheduled on life insurance cash value loan balances?
Can your money do two things at once?
What is compounding and growing?
Who offers these unique products?
What about self financing?
Are you constantly interrupting the growth of your money because you need to buy stuff?
Is there a better way?
What are some famous examples of successful business owners?
What happened following the 1929 stock market crash?
Does having money safe, liquid, growing at a competitive rate without market risk, take away any of your options?
Doesn’t it give you more options?
What are the multiple tax advantages?
Do you know what your tax bill will be?
What about the tax on social security?
Is income taken from your policy taxable?
What about medicare premium?
What about business owners financing business expenses?
What about the death benefit?
What do you want your money doing for you?
Does your strategy give you guaranteed growth?
Does your strategy lock in your principal in growth?
Does your strategy give you control over your money?
Does your strategy let you use your money without penalty?
Does your strategy give you a tax free retirement income?
What gives you more freedom?
What about Roth accounts?
What about life insurance policies?
Does your strategy let you access your money without liquidating your cash?
What are the restrictions on 401(k) loans?
What hardship happens if you lose your job?
What is truly unique in the financial universe?
Would you like to hear more in Episode 205 and Episode 206?
Does your strategy finish funding yourself if you die prematurely?
Does your strategy let you know the minimum guaranteed value of your savings?
Does your strategy give you a plan where you can count on it?
What works to your advantage in every single instance here?
What do you want your money doing for you?
How about some case studies?
What makes sense in your situation?
Why work with Mark Willis, CFP®?
What is key to making sure your policy is designed properly?
Do they have the right credential?
Would you like some personalized reports?
Would you like to schedule a meeting?

In this episode, we ask:

How about getting back to basics?
Do you need a PhD to be successful?
Who can opt out of the insanity?
Has conventional retirement planning failed us?
Have 401(k)s failed?
What happened to pensions?
Is it up to us?
What is the cost of care?
What are the problems?
Do you believe there will be another major market crash?
Who has changed their behavior?
Who is guaranteed to get paid?
What is sequence of returns risk?
What about the 4% rule?
What did Wade Pfau say?
What about a 2.8% withdrawal rate look like?
What will you need?
How many years of savings do you have set aside?
What are your investments going to be worth?
How many of us will live past age 90? …age 95?
What might eat away at your savings?
How much are you actually paying in fees?
What about compounding?
Are fees transparent?
Are fees baked in?
Are you seeing all of the fees?
How might we lower fees?
What about index funds?
What about no load index funds?
Is your money locked up?
What about penalties?
What about employer restrictions?
Who can change the rules whenever they want?
What about bank robbers?
What about the tax time bomb?
What about deferral?
Is it ever a good idea to defer a root canal?
Would you like to hear Episode 30?
Who are you underwriting?
Where will the government get the money?
What will happen by 2045?
What about social security?
What about medicare?
What will be insolvent?
Is there any way to avoid these dangers?
What is safe and predictable?
What about guarantees?
What did Mark discover through his financial education as a Bank on Yourself Professional and Certified Financial Planner®?
How is Wall Street like a crazy rollercoaster?
What is high cash value, dividend paying whole life insurance?
How has this been around for centuries?
What about Bank on Yourself® type whole life insurance policies?
How is this different from other types of life insurance?
Would you like to read the Bank on Yourself Revolution by Pamela Yellen?
Are you too sick?
Are you too old?
Who started a life insurance policy at age 85?
What did the father of the 401(k), Ted Benna say?
What is a monster?
Where does Ted Benna put his money now?
Why would he recommend that?
What problems does that solve?
- What about predictable and guaranteed growth?
- What about control of your money?
- What about liquidity and access to the money?
- What about multiple tax advantages?
Who need to hear this episode?

In this episode, we ask:

What is a wonder and a privilege?
What are the elements that make up a truly abundant life?
Would you like to get the special report on the Periodic Table of Abundance? Would you like to Request a Meeting?
Have you listened to the previous episodes in this series?
- Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
- Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
- Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
- Would you like to hear Episode 333: No.4 Secrets of Leverage with Insurance and Banking?
- Would you like to hear Episode 334: No.5 Achieve Your Ultimate Potential with Investing and Real Estate
- Would you like to hear Episode 335: No.6 Building a Better World Through Business Ownership, Tax Strategy and Giving
- Would you like to hear Episode 336: No.7 Financial Independence and the Magic of Collateralization
What makes up the pursuit of abundance in your life?
What is holistic wealth?
What about healthy relationships?
What about influence?
Would you like to hear Episode 326?
What did Rabbi Daniel Lapin say in Episode 186 and in his book, The Holistic You?
- What about Faith?
- What about Fitness?
- What about Family?
- What about Finances?
- What about Friends?
What are the four currencies of our life?
- How about money?
- What about time?
- How is your energy?
- What or who has your attention?
Would you like to hear Episode 324?
What did Jim Rohn say?
What about review and preview?
What about living in the present?
What about the future?
What about reviewing over and over again?
What is a myth?
What about reconciling the budget?
What about cash flow planning?
What did Nelson Nash say?
Can you control the financial environment where your money lives?
What is the most profitable thing?
What about effective reflection?
What about Thinking Time from the book The Road Less Stupid by Keith Cunningham?
What are the unasked questions?
How might I… so that I can… ?
How did it get this way?
Why does it stay this way?
How can I improve the way it works or the way it looks?
What in your financial life needs to be broken, so you can find better solutions?
What are the right questions?
What is genius?
What happens when you get the right question?
What don’t I see?
What are the (unintended) second order consequences?
What happened in India when the British implemented the snake eradication program?
What will happen if this goes sideways?
What is the upside?
What is the downside?
Can I live with the downside?
What about creating a machine?
What about implementation?
What will you do?
What about a 1% improvement?
What about an adventure of a lifetime?

The Road Less Stupid

In this episode, we ask:

Would you like to get the special report on the Periodic Table of Abundance? Would you like to Request a Meeting?
Have you listened to the previous episodes in this series?
- Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
- Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
- Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
- Would you like to hear Episode 333: No.4 Secrets of Leverage with Insurance and Banking?
- Would you like to hear Episode 334: No.5 Achieve Your Ultimate Potential with Investing and Real Estate
- Would you like to hear Episode 335: No.6 Building a Better World Through Business Ownership, Tax Strategy and Giving
What is financial independence?
Would you like to learn about financial independence?
Would you like to learn about the power of financial collateralization?
Do you have enough passive income to cover your expenses?
Do you have to depend on your active income?
Do you have streams of income to replace your day job?
What are your expenses?
What are the stages?
Do you have an emergency?
Why did we choose one year for an emergency?
What about placing your emergency fund in a Bank On Yourself® type whole life insurance policy?
What about passive income exceeding earned income?
Would you like to run the financial independence calculator with Mark or a colleague?
What would it take to cover a luxury item?
What about changing the world through philanthropy?
What about the journey?
What about Odysseus?
What about freedom?
What did Nietzsche say?
What about Frodo?
What about Iron Man?
What about Luke?
What are most financial advisors up to?
What do you want?
What are the five mile posts?
What is basecamp?
What about reducing your expenses or increasing your income?
Would you like to hear Episode 19?
Would you like to hear Episode 63?
What does Parkinson’s law of finance say?
What about being honest with money?
What about investing in yourself?
What about your education?
What about your health?
Are you a better version of yourself?
Do you have an idea of what you will be doing?
How do you expect to be in a different place a year from now?
- What is the greatest challenge you’re facing right now?
- What have you tried in the past?
- What are you going to do next?
- …By when?
What about liquidity?
What will you do in an emergency?
Do you budget?
Do you save in liquid form?
Who has a financially unstable pyramid?
Who is putting all of their money at risk?
Is your money liquid?
Is your money available to you?
Who does this benefit?
Could you cover an emergency expense of $400?
Do you need to sell your stuff?
Why not build a stable financial structure?
What did Tim Austin say about the 10/10/10 rule?
Who is saving 30% of income each month?
Now that I’m saving, where do I save it?
Is your money stashed in the right place?
What about CDs?
What is taxable?
What are you really earning after taxes?
What about interest rates on (multi-year guaranteed annuities) MYGAs?
What about Bank on Yourself® type whole life insurance policies?
What about the power of collateralization?
What about cash value?
Would you like to hear Episode 32?
What about investing in things you understand and control?
What do you need to quit?
Do you need a rental property?
Do you need to borrow against your life insurance policy?
What can you control?
What are you into?
Where can you put your money to work?
How might you create multiple streams of passive income?
How might you buy multiple streams of passive income?
What could you do to add one more stream?
Can you outspend any income?
What about mentoring?
Are you the guide?
What do you have to share with the world?
How are you writing your story?
How many pages do you have left?
Would you like to like to meet with Mark?

In this episode, we ask:

What about more tools in your tool belt?
Have you listened to the previous episodes in this series?
- Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
- Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
- Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
- Would you like to hear Episode 333: No.4 Secrets of Leverage with Insurance and Banking?
- Would you like to hear Episode 334: No.5 Achieve Your Ultimate Potential with Investing and Real Estate
What did Robert Kiyosaki say in the book Cashflow Quadrant about business ownership?
- What are the downsides of being an Employee?
- What about the Small Business Owner?
- What about the Business Owner?
- What about the Investor?
Where is the risk?
Who can set their own income?
Who will get your business?
What you like to hear Episode 177?
What happens when you make more money in your business?
What about tax strategy?
What about incorporating your business?
What about research and development credits?
What about hiring?
What about the U.S. Debt Clock?
Who has something saved?
Where is Congress going to get the money?
How does income affect tax in retirement?
What did Doug Peacock say?
Would you like to hear Episode 86 and Episode 87?
What happens when you give to charity?
What can boost your abundance?
What about the law of expectations?
What about a feedback loop of abundance?
How do you choose the charity to support?
Would you like to visit charitywatch.org?
Would you like to visit givewell.org?
What about the power of collateralization?

In this episode, we ask:

Can you take the next steps toward improvement?
What about real estate?
What is the Periodic Table of Abundance?
What about cash flow?
What about business strategies?
What about charity?
What number, on a scale of 1-10, would you give yourself for …?
- How are rating yourself on Liquidity?
- How are you rating yourself on Family Finance?
Have you listened to the previous episodes in this series?
- Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
- Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
- Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
- Would you like to hear Episode 333: No.4 Secrets of Leverage with Insurance and Banking?
What happens when you mix different elements?
Would you like to hear Episode 283 and/or Episode 284 to learn how to fire your real estate banker?
How can real estate be classified?
What is the median net worth of homeowners?
What about renters?
What are the advantages to real estate investment?
What about passive income?
What are some different ways to get income from real estate?
What about cash flow?
Would you like to hear Episode 332?
What is buy and hold?
What are the drawbacks of real estate?
What are the different ways to invest in real estate?
What about tax?
What about Bank on Yourself® type whole life insurance policies in conjunction with real estate?
What about alternative investments?
What about the potential for advanced returns?
What about terrible loss?
What mistakes are most Americans making?
What causes unnecessary worry?
Who is burying their head in the sand?
Can you make it without investing?
What about private equity funds?
What is already overpriced?
What about hedge funds?
What about commodities?
What about collectables?
What about cryptocurrencies?
Who made money in the gold rush?
What about investments?
What about ATM or vending machines?
What about storage units?
What about billboard space or advertising space?
What about laundry mats?
What about car washes?
What about solar farms?
What about wind farms?
What about cell towers?
What about parking lots?
What about digital real estate?
What about media?
What about entertainment?
Who lost everything?
Do you get to do it?
Do you have to do it?
What does investing require?
What about creating more value?
What are three more elements?

In this episode, we ask:

Can information alone change your financial future?
Would you like to check out our FREE Not Your Average Financial Community?
Have you listened to the previous episodes in this series?
- Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
- Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
- Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
What is the essential nature of insurance?
What is the cost of insurance?
What creates peace of mind?
What is the purpose of all of this?
What outcomes would you like?
What about guarantees?
What are the different types of insurance policies?
What about health insurance?
Who has medical bills?
Why have health insurance?
What about the alternative?
What are the typical costs?
What about being uninsured?
What is the leading cause of bankruptcy in the U.S.?
What is the health insurance marketplace?
What about healthcare sharing ministries?
Would you like to hear Episode 170?
Would you like to hear Episode 224?
What about property and casualty insurance?
What is the average claim?
What could protect you from financial ruin?
What about auto insurance?
What about umbrella insurance?
What is coverage?
What is a deductible?
What about self insurance?
What about life insurance?
What happens upon death?
How will your family afford the costs when you’re gone?
What about cheap term insurance?
What about group life plans through employers?
What about getting insurance that meets your needs?
What does banking have to do with life insurance?
Who was Nelson Nash?
What will you buy in your life?
What about your need for today’s financing?
How will you pay for that?
What is Bank on Yourself®?
What about living benefits?
What if you didn’t have to rely on banks?
What about retirement?
What about the function of banking?
What is fractional reserve banking?
How about an example?
What is the money multiplier effect?
Is this magical?
What are the downsides?
What happened in 2020?
What are the reserve requirements now?
What happened to the reserve?
What about insolvency and fragility?
What about the FDIC?
What percentage of deposits are backed up by FDIC?
Would you like to hear Episode 299 to learn more about the FDIC?
What about spending and debt?
What causes financial stress?
What is the average American debt?
Is paying cash the answer?
What do we do here?
What about the Bank on Yourself® strategy?
What about leverage?
What about private lending?
Would you like to hear Episode 331?
So what?
Are your life insurance policies properly designed and up to date?
What about an inventory of your own debt?
Would you like to explore the Bank on Yourself® strategy deeper?

In this episode, we ask:

Who is on your money team?
Who should care about your money?
What strategies, skills and systems do you need to be successful?
Are you on the right track?
What is liquidity?
How fast can you turn that asset into cash?
What is the most liquid asset of all?
What about less liquid assets?
What are the costs?
What is the medium of all transactions?
What about an example?
Are rare baseball cards liquid?
What makes every transaction easier?
What about land?
What about leasing?
What about cash flow vs. a lump sum?
What about the cost?
How stable is the market?
What about comps?
What about dealing in transparent markets?
What about ease?
Is your portfolio locked up?
What is assets / liabilities?
What is the current ratio?
What counts as an asset?
Can it be converted to cash within a month or two?
How liquid are you?
Who is sitting on more cash?
Who gets to take advantage of opportunities?
What assets are considered liquid?
What about the liquidity of cash value whole life insurance?
Who understands liquidity?
Would you like to hear Episode 248?
Are you able to take advantage of opportunities when they come your way?
What about cash flow?
What about coffee?
What is the amount of net cash transferring into and out of your life?
Is the money coming in greater than they money going out of your life?
What about the tax filter?
What about consumption?
What are the levers to pull to change cash flow?
How about increasing the income or reducing expenses?
What are some ideas for increasing cash flow?
Would you like to hear Episode 81?
Would you like to hear Episode 176?
Would you like to hear Episode 213?
What are some ideas to reduce expenses?
What can solve the problems of cash flow well?
Would you like to meet?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

In this episode, we ask:

Would you like to listen to last week’s series kickoff, Episode 330?
Do you share similar lifestyle choices?
Do you share similar outcomes?
Who is on your side?
What does a Certified Public Accountant do?
What does an estate planning attorney do?
What does an insurance agent do?
What does a mortgage broker do?
What does a real estate agent do?
What does a portfolio manager do?
What should we watch out for?
Who is on your side of the table, helping you meet your goals?
What does a Certified Financial Planner (CFP) do?
Who should care the most about your money?
What makes building a money team easier?
What are some of the characteristics that you want to look for?
What core qualities should a money team candidate exhibit?
- Do they show trustworthiness?
- Do they act in your best interest?
- Do they demonstrate good communication skills?
- Can they explain complex concepts in a way that makes sense?
- Do they have empathy and understanding?
- Do they have patience?
- Do they believe we have agency in our life?
- Do they have a growth mindset?
- Are they committed to continuous learning?
What are the red flags or things to watch out for?
- How does it feel working with this person?
- Do they withhold information?
- Is there a lack of transparency in their fees or costs?
- Are they exerting high pressure sales tactics?
- Are they forcing you to make quick decisions?
- Are they hard to reach?
- Are they always available?
- Do they shame you or intimidate you?
- Are they offering to “handle it”?
Would you like to hear Episode 122?
Would you like to hear Episode 159?
What about family finance?
What about money stress?
What about a family cash reserve?
What about coordination and resiliency?
What about open and honest family conversation?
What about the budget?
What about playing educational money games?
What about celebrating milestones?
Would you like to hear an example?
Who needs an estate plan?
What are your dreams, hopes and desires?
What are the key elements of a good estate plan?
What about some case studies?
Who is involved with you in your money?
What are some practical steps to take?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

In this episode, we ask:

What are the systems, mindsets and skills for nurturing an abundant financial life?
How many Americans were properly educated on how money really works?
What findings did a 2020 study for the Endowment for Financial Education unearth?
How many Americans are financially literate?
What about vulnerability?
What about costly mistakes?
What about feelings of powerlessness when it comes to money?
What about financial education and guidance?
What about charting a course to financial peace of mind?
What will be in this mini-series?
What are the key principles for managing and growing wealth effectively?
What are the actions you need to take to make sure that your money is working for you?
Who should be on your money team?
What about estate planning?
What about the secrets of cash flow?
What about optimizing income and expenses?
What about tax strategies?
What about real estate?
Would you like to meet with Mark?
Who’s ready?
What about scaling up?
What about overcoming adversity?
What about mindset?
What is fixed?
What is fluid?
What about challenges?
What about learning?
What about resilience?
What about expanding beyond the comfort zone?
Is your current income the ceiling?
What about career advancement or skill development?
What are your options?
What about debt?
Would you like to hear Episode 71?
What about realistic goals?
What about a realistic challenge?
What about the mindset?
Is your future bigger than your past?
What are your opportunities for growth?
What about getting support?
What about exploring?
What about overcoming adversity?
How are you interpreting events?
What happens when adversity hits?
Who is building resilience?
What about positive interpretations?
What about negative interpretations?
What about realistic interpretations?
What are the takeaways?
What are your beliefs?
Who has the power?
What about a learning mindset?
Who do you know?
Would you like to join the FREE Not Your Average Community?
Would you like to join us next week?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

In this episode, we ask:

What about Montezuma?
What happened to the Aztec empire?
What about the 1980s?
What about the Berlin Wall?
Who can predict accurately?
What about timing?
Did you see the movie, The Big Short?
What about food production?
What is confirmation bias?
What about cultivating a garden?
What about having nonperishable food on hand?
What about handling extreme situations?
What about pinpointing specific moments in time?
What about dividend paying whole life insurance policy?
Would you like to hear Episode 307?
What if the dollar disappears?
What is happening?
What about the info-tainers?
What about the ruling class?
What about the sailors from long ago?
Where do winds converge?
What about the doldrums?
What about when wind is in your sails?
What about certainty and uncertainty?
What about waiting?
What about the TV experts?
What is reassuring to know?
What about net worth?
What is on a contractual basis?
What is difficult?
What is continuing?
Are the experts wrong?
Why does the Bank on Yourself® philosophy make so much sense?
What can we influence?
What can we achieve?
What can we accomplish in the coming year?

In this episode, we ask:

Who is John Ensley?
Would you like to hear Episode 313?
What is becoming your own source of financing?
What is becoming our own source of credit?
What’s the problem with paying cash for things?
How is the Bank on Yourself concept even better than the concept of paying cash?
How can you become your own pension?
What is properly structured life insurance?
Are you giving up interest?
What is the cost of buying your cars with cash?
What’s near and dear to John’s heart?
What about Thomas Edison?
What about Nikola Tesla?
What about AC / DC current?
How does marketing affect our decision making?
What marketing messages are we hearing?
What is an annuity?
How might the myths and misconceptions about annuities be built on false claims?
Is there a pension store?
What services do insurance companies offer?
What is the perception vs. the reality of a 401(k)?
What have Mark and John learned after looking at many client’s statements?
How can someone make 13.31% over three years (AND have less money in their account)?
What about a snapshot in time?
How does that snapshot impact one’s future?
How is the financial system corrupt?
How is the marketing manipulating us?
Would you like to listen to Episode 56?
What happened in 1910, at a top-secret meeting on Jekyll Island?
What is the ERISA Act of 1974?
If the 401(k) was a person, would the 401(k) be old enough to retire?
What choices are there?
Do we have other options?
How can Bank On Yourself® type life insurance policies help us essentially opt-out or insulate ourselves?
How might we thrive in the midst of uncertain times?
What does John do to deal with booms and busts?
How do insurance companies differ from one another?
What is fractional reserve banking?
How might you vote with your dollars?
Would you like to jump on with John?
What is the difference between a spider and a starfish?
How will you make your life just a bit better after having listened?
Would you like to be a part of the revolution?

John Ensley is president of JEnsley Financial, a fiduciary, financial planning company and Registered Investment Advisor. John holds a Chartered Financial Consultant® designation from the American College of Financial Services and is one of an elite group of highly trained Bank On Yourself® Professionals. jumponwithjohn.com

In this episode, we ask:

How do you deliver value and excellence to everything you do?
What about Tom’s shoes?
Who is Brant Greathouse?
What is one of Brant’s earlier memories with money?
What shifted in Brant’s heart?
What about being closed fisted or open handed?
What shifted in Brant’s mind?
What about a purpose that is larger than ourselves?
What about stewardship?
What about risk and discomfort?
What about managing risk?
What about influence?
What about tools?
What is a 162A plan?
What is an executive bonus plan?
How does a business owner support the employee’s growth?
Would you like to hear Episode 177?
What part of the IRS code does the 401(k) come from?
What kind of employee do we want working at our business?
What is phenomenal?
How does one build a strong and flourishing team?
What about more advanced options?
What is the current average cost of a single family home in the U.S.?
What about serving people in a more meaningful way?
What are the takeaways?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

Brant Greathouse brings with him more than fifteen years of extensive business experience, ranging from President and Chief Executive Officer of a privately-held marketing company, building a real estate investment company that offers turnkey investment strategies for residential housing in Texas and Tennessee. Brant brings experience in market evaluation, property analysis, property and business management systems, due diligence, finance, and more. Brant graduated from Abilene Christian University with a Bachelor’s of Arts Degree and a minor in Business Finance.

His expertise has led him to do over 250+ real estate transactions since 2009, including Manufactured Housing Communities, commercial developments, and single family homes. Brant’s foresight to the opportunities available in the affordable housing niche have led him to become the CEO and co-founder of True Star Capital, which specializes in the acquisition, operations and sales of manufactured housing communities. Naturally almost all of the previous real estate investment experience coupled with the success of two manufactured housing funds and learning from the top people in the industry gives Brant a high level of experience and expertise, for Acquisitions and Management of the portfolio of Manufactured Housing Communities that True Star Capital is investing in.

His duties for True Star Capital’s Portfolio focus on (i) Overseeing the management of any Company holdings. (ii) The sale of Company holdings. (iii) Developing a mobile home buying program that will be utilized to infill communities owned by the Company. (iv) Overseeing the development, design and implementation of the marketing strategy; and (v) the overall strategy and plan for client experience and satisfaction.

In this episode, we ask:

What about the cravings?
What is the WTH Effect?
What happens when our actions contradict our beliefs?
What about spending money?
What about studying?
What about gambling?
What about watching streaming video?
What about self sabotage?
What about having a budget?
What about guilt?
What about credit cards?
What about goals?
What about emergency funds?
What about feelings?
Where else can the WTH phenomenon show up?
What about a story?
What about unintended consequences?
How does human psychology affect our finances?
What are some creative ways, tips and hacks?
What is the reverse spending strategy?
What about transferring from savings to checking?
When do we have higher self control and will power?
What about playing the infinite game (from Simon Sinek)?
What about winning?
Where is the finish line?
Who wants to play?
What about perspective?
What about trust, cooperation and innovation?
What is net worth?
What about fear?
What about incentive structures?
Who wants to be a millionaire?
What about regret and buyers remorse?
What about the drops in the market?
What is a better way to play the infinite game?
What about creating value?
How is value creation measured?
What aligns with your purpose?
How are you enriching yourself and other people?
What journey will your money take?
What some ways you can play the infinite game?
What about parents?
What about thinking long range?
What about stretching time?
What about contributing to making the world a better place?

In this episode, we ask:

Who do you know who needs to hear this?
Would you like a FREE book? Let us know!
What about learning to share?
What about a story?
What about written accounts from the pilgrims?
What about sharing?
Would you like to hear Episode 223?
What about contributing to one another?
What about ownership?
Who gets to enjoy a great harvest?

In this episode, we ask:

How do you use your time?
How might you increase the quality and quantity of time?
What are the four types of currency?
How incredibly abundant is our world?
What about scarcity?
What about capital good?
Do you view time as a valuable resource?
Is population growth a major problem?
Are we running out of resources?
What about gold?
What about inflation?
How many hours do you need to work?
What about prices dropping?
What about time?
What about abundance?
What about optimism?
What about challenging conventional wisdom?
What about economizing your time?
What about this year?
What about this week?
What about today?
What about delegation?
What about creating and keeping a budget?
Would you like to join the FREE Not Your Average Financial Community?

In this episode, we ask:

Do you remember the elementary school cafeteria?
What about hair nets?
Who was Edward Bernays?
What about public relations?
What is disgust for?
What about avoidance?
What about rejection?
What about punishment?
What about the basal ganglia?
How are we manipulated by disgust?
What words elicit disgust reactions?
What does Dave Ramsey say in his book?
What does he say in his article, The Truth About Life Insurance?
What does Dave Ramsey say about the stock market?
Who is the Edward Bernays of the financial infotainment industry?
What licenses does Dave Ramsey hold?
Who is A.L. Williams?
What is happening behind the scenes with the stock market?
Do you trust that company?
What about being over the top?
What about paint-by-number thinking?
What about nuance?
What about manipulation?
What about bias?
What about repeating what other people have said, without thinking?
Would you like to hear Episode 302?
How many influences are recommending?
What is the recourse?
What about Franz Kafka?
Is insurance a primitive religion?
What about rational thinking?
What about magical thinking?
What did Orit Tykocinski say?
Do you have health insurance?
Do you feel less at risk?
Why do we buy insurance?
What about the word “sure”?
What about lack of doubt?
What about the advertisement?
What about the logos?
What about the warranty?
What about avoiding the pain of loss?
What about loss mitigation tactics?
What about life insurance?
What about guarantees?
What are the chances of the claim being paid?
Why is whole life insurance different from other types of insurance out there?
Does the stock market have guarantees?
What percentage of term insurance policies result in the insurer paying a claim?
What are the lessons?
Am I buying for the right reasons?
Am I just trying to please my psyche?
What about getting motivated to take action?
Is it something that you truly want?

In this episode, we ask:

Have you ever been stuck?
What about the uncertainty?
What about the waiting?
What is the underwriting tunnel of chaos?
Who is Amanda Neely?
What about a frank conversation?
What about frustration?
What about making the world a better place?
What about transforming how money works?
What about Bank on Yourself®?
What are the misconceptions?
Who can qualify?
What is bananas?
What about health?
What about giving blood, urine and medical records?
What about assumptions?
Are you too old?
Are you too young?
Are you too sick?
Are you healthy?
Do you have too many pre-existing conditions?
Do you have unusual circumstances?
What about being pregnant?
What about financial details?
What about getting something that is hard to get?
What is it like going through underwriting?
Who is the owner?
Who else could be the insured?
What scenarios are possible after a decline?
What are some family strategies?
What about spouses?
What is a table rating?
What about smokers?
What about being postponed?
What about trying again?
What about the steps?
What about pro-tips?
What about direct primary care (DPC)?
What is an attending physician’s statement (APS)?
How can an applicant get access to their APS?
Why do we need medical information with life insurance?
What’s the difference between a possible claim and a guaranteed claim?
How is life insurance different from property and casualty insurance?
What about guarantees?
Why are the insurers so selective?
What about a common competitor?
What about adverse selection?
What about converting term insurance?
Would you like to hear Episode 187?
What is the problem with converting to indexed universal life (IUL) insurance?
Why are IUL premiums going up?
What is the accelerated underwriting program?
Why is this a good deal for the insurer?
What is good news for the whole life insurance policy holder?
Would you like to reach out to Amanda Neely at wealthwisdomfp.com?

Amanda Neely, CFP® is a Certified Financial Professional® and Bank on Yourself® Professional, who uses her years of experience in business growth to develop personalized financial strategies for individuals, couples, and entrepreneurs. She works with people to find their unique path to financial freedom. Reach out to Amanda at www.wealthwisdomfp.com

In this episode, we ask:

Have you seen this meme?
How many cookies?
What would your 18-year-old self choose?
Who is Amanda Neely?
Would you like to listen to more Not Your Average Financial Podcast episodes with Amanda Neely?
What’s the right time?
What does Amanda wish she had when she was 18?
What did Mark Twain say?
What is Bank on Yourself® and who is Pamela Yellen?
What steps did the father have in mind?
What is the flexibility?
What are the limits?
What is the design?
What about continuing to save?
What about modeling?
How much can you save now?
How much do you want to enjoy life?
What is the balance between enjoying life now and saving, so you can enjoy life later?
What is the custom design for your family’s financial story?
What about uninterrupted compound interest with savings?
What happens with a brokerage account?
What about foundational wealth?
Who will stay in really great health?
What about joy?
What about (living without breaking) compounding?
Have you read the Bank on Yourself Revolution by Pamela Yellen?
Would you like to see the sailboat on the Bank on Yourself Engineering podcast?
What are the components?
How can the family share the components?
How does this open up possibilities?
What’s the exit plan?
What are some design ideas?
What can a parent do with forethought?
What information do the young adults need?
What about expectation management?
Why should parents talk with their kids about policies?
Why do parents set up policies with their kids?
Why do parents gift policies to adult children?
Would you like to reach out to Amanda or Brandon at 513.447.6501?
What are the takeaways?

Amanda Neely, CFP® is a Certified Financial Professional® and Bank on Yourself® Professional, who uses her years of experience in business growth to develop personalized financial strategies for individuals, couples, and entrepreneurs. She works with people to find their unique path to financial freedom. Reach out to Amanda at www.wealthwisdomfp.com

In this episode, we ask:

Have you ever seen How It’s Made?
How do insurance companies operate?
How do insurers manage their finances, so they enough money to pay claims?
How do insurance companies put your money to work?
How have they managed to do this for well over a century without fail?
How do they manage challenges, like pandemics?
Who is Mary Ward, SVP and CFO from the Security Mutual Life Insurance Company of New York?
What is a mutual life insurance company?
What about the culture?
What about the team?
Why is it important to work with a mutual owned company (vs. a publicly traded company)?
What about dividends?
What about assumptions?
What are the options?
What about a return of premium?
What are the goals?
Who does the insurer want to please?
How long has SML been in business?
How have they paid dividends for 132 years, even through the Great Depression and Covid?
What happens when mortality levels go up?
How many dividend paying stocks have paid out over 132 years? Do you know of any?
Where do insurance companies put the money?
What about invested assets?
What about liabilities?
What is the risk appetite?
Why are insurers risk averse?
What about regulations and stress testing?
How do the investments line up with mortality rates?
What about NAIC rankings?
What about diversification?
Why do insurers steer clear of stocks?
What about real estate and infrastructure debt?
What was happening with the banking trouble?
Why didn’t we hear about insurance company trouble?
Who pays death claims every day?
What about New York State testing?
What if you have extreme mortality?
How often must SML prove their capacity to manage extreme mortality events?
What about permanent products, such as whole life insurance?
What about cash value?
What is the value of having life insurance in place?
What are the key performance indicators for Security Mutual?
What about $3B in assets in 2022, despite Covid?
What about Houston, Texas?
What is a capital to asset ratio? Why does it matter?
How does capital grow?
What about risk based capital?
What about being strategic and managing reserve capital?
What about long-range thinking?
What about a new facet on the gem?
What about the opportunity and flexibility of working with whole life insurance?
What about questions?
What are the takeaways?
What about choosing a reliable, secure provider?
What about exploring whole life insurance?
What about researching before you make a decision?
What about the track record and history of these companies?
How long have they been paying guarantees and dividends?
What about seeking out professional advice?
Would you like to meet with Mark or one of Mark’s colleagues?

Mary Ward is the Senior Vice President and Chief Financial Officer at Security Mutual Life Insurance Company of New York, where she oversees the Company’s fiscal functions, including strategic initiatives, financial reporting, expense management, and relationships with rating agencies and regulatory bodies, and is also Co-Chair of the Enterprise Risk Management Committee.

Outside of work, she enjoys outdoor activities, and spending time with her family. Mary received her Bachelor of Business Administration, Accounting, and Business Management from St. Bonaventure University.

In this episode, we ask:

Who works as a W-2?
Who wants control over their own business?
What are the benefits of franchising?
Who is Marty Greenbaum?
How about a case study?
What about junk?
Who needs experience first?
How about regional territories?
What’s good about franchising?
Who works with Marty?
Where did Marty’s passion come from?
How many franchises are there in the U.S.?
Is this applicable to your business?
Who is in the business of royalty collection?
What about a vested interest?
What are the advantages to a franchise business model?
Who are the right kinds of people for franchising?
What about an example?
What are the attributes of the top performers?
Who is a good candidate?
Who gets awarded a good franchise?
What are the mistakes or pitfalls to avoid in franchise purchasing?
What about the legal standpoint?
What about the due diligence?
How is the territory determined?
What about speaking with existing owners?
What about mitigating risks?
What about franchise financing?
What about range?
How long does it take to get cash flow positive?
Are banks the final resting place for many businesses?
How does Marty get paid?
Would you like to visit smartfranchiseinvesting.com?
What about industries?
What about brands?
What about thorough due diligence?
What are the right questions?
How are you going to buy this thing?
What about Bank on Yourself® type whole life insurance?

Marty Greenbaum is a top franchise consultant with over 30 years of experience in franchising. He served his family’s franchise opening hundreds of locations and then grew an extremely successful marketing agency in franchising helping brands achieve their goals. He’s a Certified Franchise Executive and Founder of Smart Franchise Investing and is dedicated to helping people make smart decisions when it comes to franchise ownership. He’s helped hundreds of people explore franchise ownership, serving them as a franchise consultant, educator, and matchmaker. Email Marty at marty@smartfranchiseinvesting.com

In this episode, we ask:

Would you like the ultimate shaving tool?
What is Occam’s razor?
What about necessity?
What about the simplest solution?
What is the best option or model?
What is premium financing?
What is happening with the estate tax limits?
What about leverage?
What has this led to?
What are the risks?
Do you need it?
Can you afford it?
What about finding the winners and losers?
Is there a trend here?
What about an example?
What are the steps?
What is the allure?
What are the risks?
What is the exit strategy?
If everything worked out perfectly, what would happen?
What about the relationship with the bank?
What is a floating rate?
What about reapplying after a period of time?
Is this a good deal?
What happens in a rising rate environment?
What happens to the interest?
What about the accumulation feature?
What about collateral?
What about a spiral of expenses?
What happens if they can’t pay the premium?
What are the circumstances?
What happens when the loan is gone?
What about a cancellation?
What about leverage?
What about paying out of pocket?
What about estate tax liability?
What about other needs?
Is there any cash value available the policy owner?
Where does this leave the policy owner?
What is the biggest risk?
Is the loan larger than the cash value?
What if interest rates rise?
What if caps and spreads fall?
What about coming up with the money?
What are some stress tests?
What about a death benefit?
What about those with extremely high net worth?
Are you crawling back into the banker’s pocket?
What is the financial incentive for the bank?
How much loan interest is the bank collecting?
What about collateral?
What about the insurance agent?
What about the commissions?
Would you like to hear Episode 36?
Who is retiring first?
Is your money in a complex environment?
Is your money in a simple environment?
Who has control?
Would you like to join our FREE Not Your Average Community?

In this episode, we ask:

How about a story?
What about unforgettable memories with your loved ones?
Who is Kate Chattic?
What happened on Kate’s recent adventure?
What large costs emerged?
What about creative solutions?
How did Kate use her policy loan?
What about problem solving?
What about teaching?
What about resilience?
What about selling on Amazon?
What does a day in the life look like?
Why did Kate start her Bank on Yourself® type whole life insurance policies?
What are the best plans?
What about getting your hands in dirt in gardening?
What about naming the money?
What about an emergency fund?
What about buying a vehicle?
What about choosing to pay back a loan very quickly?
What is Kate’s advice?
What about the generations?
When is the best time to plant a tree?
What are the takeaways?
Would you like to join the FREE Not Your Average Financial Community?

Kate Chattic is a homeschooling mother of seven, yes SEVEN, children! Two of those kids have grown up and flown away to new adventures, but while they were teenagers they aided her in starting a business on Amazon in 2015 that grew to become the full-time income for their family. It took just 2 years to bring her husband, Nate, home from his job to join his family in the business and homeschooling the children. Now their time is spent running their business, teaching others how to sell on Amazon and sharing how to utilize life insurance creatively! katechattic.com

In this episode, we ask:

What about short term rentals?
Who is Kirby Atwell?
What’s Kirby’s story with money?
What lessons did Kirby learn?
What about the sheep?
What happened when Kirby was in the army?
What did Kirby read?
What did Kirby realize?
What is Kirby’s unique model for short-term rentals?
What about several thousands dollars a month of net cash flow?
What about “the Albany model”?
What about a utilitarian model vs. high end model?
What about competition?
What about traditional or primary markets?
What is the biggest challenge in this model?
What happens throughout the seasons?
What is the situation on the ground right now?
What about interest rates?
What about loan programs for investment properties?
What about service costs for higher price points?
What about small multi-units?
What about structure?
What about DSCR?
What about long-term vs. short-term rental?
What about using a Bank on Yourself® type whole life insurance policy for down payments?
What about leverage?
What are the typical results in these markets?
How did Kirby discover his passion for short term rentals?
What is the worst case scenario?
What about the capacity to have a bigger impact?
What is the First Vacation Rental Investment Blueprint program?
Would you like to start Kirby’s masterclass?
What are the takeaways?
What is DSCR loan?
What about private money?
What about Bank on Yourself® type life insurance policies?

Kirby Atwell served 6 years as an officer in the US Army, after Graduating from West Point Military Academy. While serving in the military he developed a strong interest in real estate, and he bought his first rental property in 2006. In 2011, he left the service to pursue real estate full time. He started his first real estate investment company, rehabbing over 100 properties either to flip or keep as rentals in the Chicago area. Today, Kirby primarily focuses on investing in high-cash-flowing vacation rental properties. He owns a portfolio of vacation rentals in northern Indiana, where he lives on a 45-acre farm with his wife and young kids. He also helps others who work a full-time job to buy and set up their first high-cash-flowing vacation rental through his signature program called The First Vacation Rental Investment Blueprint. Kirby is the host of the Living Off Rentals podcast and YouTube channel.

In this episode, we ask:

Who do you know who needs to hear this?
How about the true story of Ida May Fuller? Have you heard of her?
How many federal employees are set to retire soon?
Who is Mike Grimm?
What happened when Mike and Mark were biking in Jackson Hole, WY?
What about coming down the mountain?
What is Mike’s story?
What sort of benefits packages do government employees have?
What was Mike’s work with nuclear weapons like?
How are federal employees different from private sector employees?
What are the three legs of benefits for government employees?
What about the FERS annuity?
What about the thrift savings plan (TSP)?
What about social security benefits?
What about defined benefit plans and defined contribution plans?
What are the two main retirement systems?
What changed in 1984?
What about newer government employees?
What about SERS and FERS?
What about pensions?
What are the factors contributing to benefits?
How is a TSP like a 401(k) for the federal government?
When did Mike realize he had a passion for helping federal employees?
What happens when federal employees hit retirement?
What about working longer and the tax implications?
When should one start the planning process?
Why do I want to continue my work?
Do I need to work extra years?
Where does Mike work, and what is the process?
Would you like to email Mike?
Would you like to read Mike’s book?
What can you expect in retirement?
How many years in advance do you need to get started?
Have your read through your pension benefits?
Have you decided what you believe about taxes?
What do federal employees need to pay attention to?
When is a good time to reach out to Mike?

Mike Grimm is the president and founder of Federal Employee Benefits Professionals. He specializes in federal employee benefits and retirement planning. Before starting his business, Mike retired from the US Government as a Federal Agent/Deputy Director with the National Nuclear Security Administration. Mike’s current mission is to help federal employees manage their benefits for a safe and secure retirement.

In this episode, we ask: Have you seen any of our videos on Youtube? Who did Mark want to be like, when he was a kid? What did Mark do to his hair? Ever heard of “Barber on Yourself”? Who is Cheri Hill? Who wants to start a business? Who wants to grow a business?...

In this episode, we ask: Would you like to join like-minded individuals on the journey? Join us for the FREE! Not Your Average Financial Summit on the afternoons of September 6-7, 2023! Register here! What do you do, after you hit rock bottom, to make sure you don’t stay there? What about resilience? Who is John...

In this episode, we ask: Would you like to join like-minded individuals on the journey? Join us for the FREE! Not Your Average Financial Summit on the afternoons of September 6 and 7, 2023? Register here! How about a story? Would you like to hear more? Would you like to hear previous episodes with Lester...

In this episode, we ask: Would you like to join us for the FREE! Not Your Average Financial Summit on the afternoons of September 6 and 7, 2023? Register here! Would you like to travel back in time with us? Do you remember the TULIP bubble? What about FOMO (fear of missing out)? What about...

In this episode, we ask: Would you like to join us for the FREE Not Your Average Financial Summit? What is the smallest bird in the garden? What about the tiny acorn? What about Gutenberg? How might small become mighty? Who is Rennie Gabriel? What was money like when Rennie was growing up? What about...

In this episode, we ask: Would you like to join our FREE private Not Your Average Financial Community? Who is Tanisha Souza with Tardus Wealth Services? What about self sustaining passive income streams? What about cash flow? What about home equity lines of credit being frozen, cut or called? What will a banker do with...

In this episode, we ask: Would you like to Subscribe? What is 1×6(!)? What is a factorial? …158 digits? Who wants their mind blown? What about the network effect? What does this have to do with money? What is the dollar milkshake theory? What about feedback loops? What are the advantages of the U.S. dollar?...

In this episode, we ask: Who do you know who needs to hear this? Will the dollar collapse? Who knows the future? When is the dollar at its strongest point? What would it mean if the dollar collapses? What about rising debt levels? What about the reliance on the dollar? What about fears? What are...

In this episode, we ask: Would you like to watch selected clips from us on YouTube? What is happening with the banks and the FDIC? What about non-bank banks? How much uninsured assets are held in these non-bank banks? Have you read David Graeber’s book, Debt: The First 5000 Years? How much wealth has debt created?...

In this episode, we ask: What is better than a five star review? Who needs to hear this? Would you like a FREE book? Email us at hello@nyafinancialpodcast.com! What about the Apollo missions? When will premiums come to an end? Would you like to hear Episode 293? What about the contractual obligation of the life...

In this episode, we ask: Who needs to hear about this? Would you like to watch select clips on YouTube? What about tax strategies? What about deferring tax? Is it always a good or bad idea? What is the deferred sales trust or DST? How does the DST 2.0 take things a step further? How...

In this episode, we ask: What is even better than a five star review? Who needs to hear this? What book does Stephen recommend? What did Stephen’s clients learn? What did Dan’s client do with his cash value? What were Mark’s clients able do with their modest policies? What did Grant’s business owner client do?...

In this episode, we ask: Who needs to hear this? What would you do? Who is Nick Poppe? What about the 4% rule? What about guarantees? What’s Nick’s first memory with money? What happened in April 2020? How did Nick learn about the concept? What’s wrong with traditional financial planning? Who has a firm foundation?...

In this episode, we ask: What is one of the most satisfying parts of my work? When is a good time to call? What about a story? Are bankers gonna bank? Are collectors gonna collect? When is it crucial to get a second set of eyes and ears? What about dramatically improving your financial situation?...

In this episode, we ask:

What is better than a five star review? Who needs to hear this?
Do you know how grateful we are for you?
How might we stay motivated to get wealthy?
How long will we live?
How will today turn out?
What about the curve balls?
What about transcendent spiritual experience?
What about living by the day and measuring by the decade?
What defines your life?
What about the gain?
Where are you now?
What are some ways to stay motivated?
What about adding a zero to your goals?
Who is your mentor?
Who are you mentoring?
How might you starve your fear?
Are you the news?
What are your wins?
Are you reading “just in time” books?
What about SMARTER goals?
What about fitness and play?
What is none of your business?
What are you NOT watching?
What did Judd Brewer say?
What is distraction?
What about habit loops?
What about your mind? What about your brain?
How might one unhook from negative habits?
What about considering the little bean plant?
What about adding a trellis?
What about rhythms and relationships?
What is a spiritual budget?
What are the three ultimate currencies?
What are you paying attention to?
What are the two meanings of appreciation?
How will I prioritize my finite resource?
How am I going to spend what I have?
Are attention deficits causing financial deficits?
What about budgeting attention?
What about budgeting money?
What about budgeting time?
What about budgeting energy?
What about regular patterns of activity?
Who will I look like in the future?
What is just the right amount of structure?
What are you doing in the morning, in the middle of the day, in the evening?
What might you trade?
Are you trading for assets or liabilities?
When will you see your net worth grow?
How are health and wealth related?
What did Rabbi Lapin say?
What is the infinite game?
What did Gloria Steinem say?
What does the future look like?
What does retirement mean?
What happens when we come face-to-face with death?
What did Jamie Hopkins say about rewirement?
What about building a framework?
What might you lean on?
What about bank on yourself type whole life insurance and annuities?
What about directions?
What about building something solid?
Would you like to meet with Mark?

In this episode, we ask:

What’s that up in the sky?
Can the FDIC keep your money safe?
Who relies on this great institution?
Who can rest easy?
Wait?!
Who is breaking a sweat?
What would happen in a sudden wave of bank failures or sudden financial crisis?
What about times of financial stress?
How might this pose a BIG risk?
What about exposure?
What about protecting depositor funds?
Is this superhero up to the challenge of the current economic climate?
What is the Federal Deposit Insurance Corporation (FDIC)?
What happened earlier this year?
Where did the money come from?
Who funds the FDIC?
What happens to the yield?
Who is the US Treasury?
How many banks are in a precarious position now?
Is there any end in sight?
What has happened as interest rates have risen?
What about fractional reserve banking?
What about a credit crunch?
What about regional banks?
How many funds will be protected?
Where are people moving money?
Where will the government get the money to guarantee deposits?
What if you only got 1% of your money back in the event of a collapse?
What about the bank lobby?
What is book value?
What is market value?
What is fractionalized methodology?
How are bank reserve regulations different from insurance reserve regulations?
How are insurance companies regulated?
What does NAIC say about reserves?
Why do insurance companies need much larger reserves?
Do insurance companies have an enormous edge over banks?
Would the government step in and cover your deposits?
Who decides?
Who is systemically important?
What about lending?
What did Mark Twain say?
Is it raining?
What can we do about this?
What is within our control?
Who is your superhero?
What happens with policy loans when banks are in crisis?
Who wants to become their own source of financing?
What are the takeaways?

In this episode, we ask:

Who needs to hear this?
Would you like a free book?
Who is going to college?
Who is Dave Kozak?
Who is Joe Kerins?
What are some strategies beyond college planning?
What about strategic planning and critical thinking skills?
How does one plan for the non-college path?
What matters to financial success?
What does life insurance have to do with college planning?
Why do non-direct recognition life insurance loans matter?
What’s wrong with 529 plans?
What do we need to know now?
What is new in the college planning ecosystem?
Is college the next step?
Would core business education and learning hurt?
Are you beginning with the end in mind?
What is the best for our kids?
Who enjoys work?
Do your kids need to go to college?
What is Joe’s story?
What is the largest expense most families face?
How do college funding mistakes affect retirement?
What is the FAFSA?
…What don’t we know?
What’s the problem with traditional college financial planning?
What is the reality of the 529?
Are you saving college or are you investing for college?
What counts against you as you pay for college?
How do investments raise your college cost?
How does one win at this game?
How does financial aid work?
Do only poor people get a financial aid?
How does one build to their advantage?
What is financial aid?
Who needs to buy life insurance?
Who needs to fund an education?
Is it accessible?
How much are we going to spend?
Where is the money?
What are the secrets?
Why does a life insurance policy need to be non-direct recognition, for this to work?
Who understands policy design?
Why do IULs (indexed universal life insurance policies) fail?
What about compound growth?
Do you have to sacrifice your future retirement?
When do we earn our highest income?
Where will your money live?
What about an example?
What’s the difference?
Why does it matter?
How does one lower the cost of college?
How do Dave and Joe help on the front end of college planning?
What is the advantage of merit based dollars?
What if it wasn’t the school that made the career?
What about the social, academic and financial fit?
What about a regional school?
What about a case study?
Who is falling in love with a school?
Is the school truly a fit?
What is the cost?
Will schools compete for students?
How much does the school truly love this student?
Would you like to hear the College Knowledge podcast?
Would you like to learn more at elitecollegiateplanning.com?
What are the takeaways?
What about 529 plans and the Secure Act 2.0?
What are the classic mistakes parents make?
What about properly designed non-direct recognition life insurance policies?
How is this a double benefit?
Are you keeping your wealth in the family?

David A. Kozak is the founder and CEO of Elite Collegiate Planning and CEO of the College Planning Network. He has, in his own words, “the distinct honor” to work with families across the country to redefine what “investment” means to them. He believes—to quote Benjamin Franklin—“An investment in knowledge always pays the best dividends.” This drives his passion for educating families about how to send their children to college without jeopardizing their own financial goals and retirement. Dave created the College Knowledge podcast to let college insiders share their own expertise, experience and perspective to help inform college-bound families.

Joseph L. Kerins III, CCPS® is a Certified College Planning Specialist, Financial Planner, and Senior Planner at Paradigm Financial Group. Helping families pay for college without destroying their overall wealth and retirement is Joe’s focus. Many families don’t realize that it is not just a college problem, but a wealth and retirement problem. Joe works with these families to create unique plans with proper strategies to save and pay for college without sacrificing financial freedom and achieving all of their financial goals. Joe lives in Wayne, Pennsylvania with his wife, Mollie, and three children, Joey, Ellie and Eddie. Joe is a fourth-generation member of the South Philadelphia String Band, which participates annually in the Mummers Parade in Philadelphia.

In this episode, we ask:

What is even better than a five-star review on this podcast?
Who do you know who needs to hear this?
Would you like a FREE book? Email us at hello@nyafinancialpodcast.com
What about the mourning and sadness?
What about best practices for leaving an inheritance?
Who is Andrew Young?
Why should you keep your beneficiaries up-to-date?
What about the deceased’s wishes?
What happened when Andrew’s dad died?
What happens when families do the wrong thing?
Should we tell our beneficiaries that they are getting money?
What does Andrew recommend?
What about adult children?
What about an annual meeting?
What about reviewing the beneficiaries annually?
What about an example?
Why is it so important to work with an advisor?
What could have happened if…?
How did Andrew’s client dodge a massive mistake?
Which is smaller, the cash value or the death benefit?
What about covering nursing care?
What about a story?
What is the very nature of life insurance?
What about dementia?
What is the advantage of very mature policies?
How fast did the family receive the death benefit upon his death?
What is the typical rough timeline for death benefit payments?
How were the generations changed?
What about another story?
What about getting everything in place?
How did Andrew become an honorable member of the family?
What can we do to receive well?
What can we do to give well?
Do you have a place for your usernames and passwords?
Are the survivors able to access your accounts, documents and other details?
What about the medical directive?
What about a patient advocate?
What about getting legal documents set up?
Does everybody have a will?
How might we set our family up to succeed?
What about a poem?
Aren’t you thankful for Andrew?

Andrew Young is the Director of Recruiting for Bank On Yourself®. For over 25 years, Andrew has worked with individuals and business owners on retirement planning, succession planning, and estate preservation. He has been married to his wife Maureen for over 35 years, and they have two children. In Andrew’s spare time, he and his wife love to sail.

In this episode, we ask:

Who needs to hear this?
Would you like a FREE book? Email us at hello@nyafinancialpodcast.com.
What about unclaimed life insurance funds?
What about going into “full detective mode”?
How might you search?
What about the deceased’s own paperwork?
What about the deceased’s recent tax returns?
What about the deceased’s transaction history?
Are you the named beneficiary?
Can you call the insurance company to find out if you are a beneficiary?
What about the National Association of Insurance Commissioner’s (NAIC) life insurance policy locator service tool?
What about an example?
Is there a contingent beneficiary?
What happens if no beneficiary can be found?
What happens if the death benefit goes to the deceased’s estate?
Does the federal government have a website for this?
Can you find it on your own?
What about the unclaimed property office?
What happens if you move to another state?
What about unclaimed wages?
What about VA benefits?
What about unclaimed insurance funds?
What about the IRS and the federal tax refund?
What about the state tax refund?
What about treasuryhunt.gov for savings bonds?
What about SEC claims on stocks and brokerage funds?
What about contacting the brokerage fund directly to find an account left in your name?
What can you do to broach the topic?
When would be a good time to have a 30-minute conversation?
How could this be a positive experience for everyone?
Do you know about your parent’s life insurance policy or policies?
Do they have medical care benefits on these policies?
What if the worst has just happened?
Would you like to have the Survivor’s Checklist?
What needs to be done?
What do you need to do in the first few days?
What about the certified death certificate copies?
What about the deceased’s files and safety deposit boxes?
Is burial insurance or final expense insurance in place?
Has your loved one selected a cemetery location or plot in advance?
What about contacting the funeral home?
Should you assign the death benefit to the funeral home?
Should the death benefit get paid directly to you?
Should the death benefit be paid as a lump sum or as ongoing payments?
What should you do within the first week of someone’s passing?
What about the Social Security Administration?
What about Veteran’s Affairs?
What about the Department of Health Services (if they were receiving Medicaid)?
What about the insurance companies?
Do you need to contact the life insurer?
Do you need to contact the medical insurer?
Do you need to contact the disability insurer?
Do you need to contact the homeowners insurer?
Do you need to contact the auto insurer?
How long does it take for a life insurance death benefit to be paid out?
What do you do with the certified death certificate?
What about the liquidity of the life insurance company?
What happens with lump sums at a bank?
Who can easily withdraw $1M from a bank account? Are banks liquid?
How many days does it take to get a large withdrawal from the bank?
Are bankers allowed to ask you questions about why you want your own deposits back?
What about unused life insurance premium?
What about the retirement account plans (401(k), IRAs, Pensions, and other benefits still due to them)?
What about cancelling recurring bills?
What about closing down online and social media accounts?
What about establishing an I Love You folder with passwords?
What about bank accounts and online accounts?
What about the probate process?
Does your loved one have a will or trust (who is the trustee?)?
What about issuing bond?
What about notifying creditors that your loved one has passed?
What about taking an inventory of all assets and liabilities?
What about asking the court for a final distribution of the estate to be paid out to beneficiaries?
What if the loved one had a small or no estate?
Is there agreement among surviving relatives?
How can you collaborate with relatives in a constructive way?
What about the overwhelm?
What about the grief?
How might you love your family to make this process so much easier?
What is an I Love You folder?
What are the documents you should leave?
- What about the sources of all of your income?
- Where are your assets held? (401(k)s, IRAs, Pensions, Social Security, Medicare, Life Insurance premiums, etc.)
  - Company
  - Account Numbers
  - Listed Beneficiaries
  - Bank accounts and numbers
  - Phone numbers or addresses of companies
- What online accounts, social media accounts and other usernames and passwords will your loved ones need to access upon your death?
- What do you want your funeral to be like exactly?
- What items do you want to leave to specific people?
- What would you write in a letter to your closest loved ones? (Would you like a hand writing this letter? Hop on our calendar and select a time.)
What can you do this week to make sure your family is better off?

In this episode, we ask:

What do you say to someone when you know it’s the last time you will ever speak to them?
How do you say something loving and honoring?
What are the most important and pressing issues?
Who is prepared? Who is not prepared?
How does true wealth come through assets plus skills?
What about the mindset and skillset that’s needed?
What about education?
What about buying a home?
What about mentoring the next generation?
What about leaving a family fund?
How might one create a family fund or family reserve using Bank on Yourself® type dividend paying whole life insurance?
What about creating a long-term, safe and sure wealth bucket?
What about instantly creating a legacy and a savings strategy for years to come?
What will help your whole family weather tough economic storms?
What about long-term thinking?
What about a more durable view of wealth?
What about the family thinking as a family unit?
What about creating financially responsible kids and adults?
What skillsets will grow?
What about creating a mission for your family that’s bigger than individual happiness?
What do you prefer?
How does one get started creating a family fund?
Who do you need at the table?
What is your greatest asset?
Would you like to hear Episode 294?
What about the big picture strategy?
What is the best design?
What is the unique solution for your specific needs?
Would you like to meet with Mark to discuss a family fund?
How soon does one see cash value?
How might one use cash value from whole life insurance policy loans?
What about an uninsurable life insurance policy owner?
Who is buying policies on family members?
Who is buying policies on their parents?
Who is buying policies on their kids?
Who is buying policies on business partners?
What about a parent matching program?
How might both generations contribute to a policy?
How many creative ways can you think up?
What about an example?
What about single premium immediate annuities?
Is it possible for annuities to pay insurance policy premium?
What about the Vanderbilts?
What about the Rothschilds?
What about leaving assets?
What about leaving assets and values?
Who is a part of the ever unfolding story?
Why does family wealth evaporate?
Does success leave clues?
Do you have control over your assets?
Who has control over your assets?
What about saving?
What is the different between lending and giving?
How might kids use family money wisely?
What skills do kids need to remember?
What about nurturing and training?
What about long-term thinking?
What about delayed gratification?
What about displaying family values?
What are the takeaways?

In this episode, we ask:

Who needs to hear this?
Would you like a FREE book?
What about leaving a legacy?
How many generations?
What did Gloria Steinem say?
What about aggressive investment?
Did you lose $1?
Should we become more conservative as we get closer to retirement?
What is human capital?
How might we think like a family?
What is the greatest asset?
Would you like to hear Episode 104 and Episode 105?
How might one take an individual’s net worth and build up the family for generations?
Who is “taken out of service”?
Who will transform the family?
What happens in retirement?
What is the work that you love?
What about consulting?
What about freelancing?
What about starting a business?
What about mentoring the next generation?
What about sharing your story?
Is insurance temporary?
How is life insurance the bedrock of generational wealth?
Who buys term insurance?
…What do they have to show for it?
What happens when term insurance runs out?
What is the best age to purchase insurance?
What are the guarantees?
What is the only type of life insurance that offers guarantees?
What about government and taxes?
How much will you pay in tax in retirement?
What are the restrictions on the 401(k) or IRA?
Do you want the choice to spend down the accounts?
What happens now the SECURE Act has passed?
What are growth vehicles?
What are transfer vehicles?
What about failure?
What if there was no transfer of power?
How might we prepare the people to receive gifts?
Who is leaking money, as the generations progress?
What about shirt sleeves to shirt sleeves in three generations?
What about nurturing emotional, intellectual and human/social capital of the family?
Why do so many focus on short term thinking?
How do we avoid sabotaging and avoiding long term generational wealth?
Would you like to talk with Mark about generational wealth?
What are the four key elements that lead to long term thinking and generational wealth?
What about financial foundations?
What about saving?
What is the opposite of saving?
What about a family fund?
How might one save money, mitigate against risk and provide permanent protection and leave a legacy?
What about family lending?
What creative ways might you use family capital?
What if grandma and grandpa bought up all of the loans for the children and grandchildren?
What would happen if the wealth stayed within the family (instead of bleeding interest to bankers)?
What about leadership?
What about mentorship?
What about nurturing family relationships?
What about growing children into world leaders?
How young is too young?
What about legacy?
How might we prepare the people for the money?
What about the traditions and the values you leave behind?
What about sharing this episode with a family member?

In this episode, we ask:

What do you see?
Have you ever used SoftSoap?
What problem did Robert Taylor solve?
What did Sherlock Holmes say?
Who can see (and not just observe)?
Who is Julia Amstutz?
What was dinner like for Julia growing up?
What did Julia learn from her parents about budgeting?
What happened when Julia came back from Europe?
Is deferring tax always a good idea?
What is the tax rate now?
What will the tax rate be in the future?
What is Julia up to now?
How has Julia used her policy?
How did Julia and her husband Steve pay cash for their car?
What was Steve’s reaction when learning about Julia’s policy?
What about the solar installation project?
What about tax credits and renewable energy credits?
Is it possible to zero out an electric bill?
How is Julia repurposing the energy bill to repay the policy loan?
What about thinking long term?
What happens in the first few years?
What pays off?
How much has Julia’s policy grown?
What additional goals does Julia have with her policy?
What about liquidity?
What about contributing to your own retirement savings?
What are the takeaways?
Who thinks about tax deferral?
How does Julia transcend this limited thinking?
Who thinks long range?
How does a CPA think?
What about thinking out loud, talking with a buddy?
How might you think about it in a different way?

Julia Amstutz grew up in Italy where her parents served as missionaries until they moved back to the United States when she was sixteen. She attended Wheaton college and began her career in public accounting shortly after graduation.

She is now a senior manager in the National Professional Standards Group of an international public accounting firm. She lives in Central Illinois with her husband Steve and together they enjoy serving the international students in their community.

In this episode, we ask:

What is better than a five star review?
Who needs to hear this?
Who wants a FREE book?
When is the time to make changes to your tax situation?
Would you like to hear Episode 290 and Episode 291?
Who wants multiple streams of tax-free income?
How many streams are we talking about?
How many streams of income does Ryan Reger have? Would you like to hear Episode 76?
What provides a series of tax advantages?
What happens if the IRS changes the rules?
What about social security?
What is the correct time to take social security benefits?
What are the factors that play into this decision?
What happened to social security rules in the 1980s?
How much of your social security check is taxable?
What about Roth IRA conversions?
What tax trap is easy to fall into?
Why is it smart to do a piece meal, internal, multi-year conversion?
What did Nelson Nash say?
Who is getting a guaranteed income stream?
How might one spread out the tax liability?
Is there still time?
What is the standard deduction?
What about an income annuity?
What about an example?
When were you taxed?
What about a recap?
What about some counter-intuitive strategies?
What about muni-bonds?
What about tax on muni-bonds?
How does this affect social security?
How much will you pay in tax?
How many states charge tax on muni-bonds?
What are the rates?
What about call risk?
What about reverse mortgages?
What are the takeaways?
What about future taxes?
What about putting all your eggs in one tax-free basket?
Does your CPA think beyond this year?
Would you like to join us next week?

In this episode, we ask:

Are you paying more in tax?
What are some strategies with IRAs and Roth IRAs?
What about the drama of the stock market?
What strategies include a guaranteed life time income?
Who is ready for a next level strategy?
What’s wrong with self-directed IRAs?
Would you like to hear Episode 209?
What is a “back door” Roth?
How do conversions work?
Who meets the income eligibility requirements for a Roth IRA?
What about an IRA on a spouse?
What about a “mega back door” IRA?
What does this look like?
What about high income earners?
Who allows for after tax contributions?
Does it make sense to pay tax on a smaller balance?
Is it better to convert when your income is lower?
Is time running out?
What about a multi-year conversion?
Do you have the number of your HR department?
Do you own a small business?
Are your family members employed?
Where will the money live?
What is liquid?
What is accessible?
What do you want to purchase within your IRA?
How much do you need?
How much annual income do you want?
Is the IRA full of stocks? Indexed funds? Real estate?
Is there a better way?
What about an income annuity inside of an IRA?
What about guaranteed lifetime feature?
What about inflation protection?
What about liquidity?
Is the money locked up?
What about emergency funds?
What about leaving a death benefit to your heirs, should you pass away too soon?
What about an IRA transfer?
What about piecemeal internal Roth conversions?
What about paying your taxes now?
What about an annuity inside a Roth IRA?
What about guaranteed, tax-free, inflation-adjusted income that could last the rest of your life?

In this episode, we ask:

What is even better than a five star review?
Who needs to hear this?
Would you like a free book?
What about inflation?
What triggers change in the tax law?
What is the good news?
How are the tax brackets tied to inflation?
What adjustments have been made?
What are the hidden pitfalls?
What about the standard deduction?
Did you know about the new number for the standard deduction?
What about the updated annual estate tax?
What about sales tax?
What about capital losses?
What about capital gains?
What about social security benefits?
Are social security benefits taxed?
What has been intentionally frozen in place?
Will taxes have to go up on everybody?
How about a game?
What about money printing?
Are you among the wealthiest?
What is fair?
What happens if the law changes?
When do you want to get started?
What has lots of income tax liability in the future?
What about the SECURE act?
What about ERISA?
Do Roth IRAs get taxed?
Where will the money live?
When was life insurance started?
When was the IRS started?
What did Ed Slott say?
What is the single biggest benefit in the tax code?
What about tax deferred growth?
What is income tax free?
What about the estate tax?
What about receiving the death benefit?
What about funding a trust with life insurance?
What forces are at work?
What are the external factors?
Would you like to join us next week?

In this episode, we ask:

Have you ever seen a log jam?
Are you the log jam?
Who is Jason Duncan and what is his story?
What happened in 1995?
What happened in 2010?
How many hours do you have to work?
Does entrepreneurship provide freedom?
What’s the difference between an Owner Investor and an Owner Operator?
What is the mindset shift?
Are you building a job?
Are you the hero?
How did Jason find out about the Bank on Yourself® concept?
Who did Jason have lunch with?
How does Jason feel about banks?
What happens when you get access to the capital you need?
What about making an impact?
Who can make an impact without access to money?
What about generational wealth?
What’s the story about Alfred Nobel’s obituary?
How will you be remembered?
What happens to your estate when you pass away?
What is the mission bigger than yourself?
How will you make your lasting impact happen?
Would you like to learn more at therealjasonduncan.com?

Jason Duncan is the founder of The Exiter Club. He is the host of the Root of All Success podcast. He loves riding motorcycles and camping in his RV. Learn more at therealjasonduncan.com.

In this episode, we ask:

Why do you do what you do?
What gets you out of bed in the morning?
Why do they practice Bank on Yourself®?
How did Marvin Bulas get involved?
What happened with Marvin’s grandparents?
Is long term care the number one cause of bankruptcy?
How did Brandon and Amanda Neely get involved?
Would you like to purchase and watch the Banking with Life documentary?
How did Steven Step get started?
What was Grant Thompson trying to prove false?
Why does it matter?
Why not be a “regular investment dude”?
What is the truth?
Are you better off, now that you’ve met me?
How might you help people?
How does money really work?
What does retirement mean for you?
How might you live those “mini retirements” along the way?
What is just a tool?
What will Brandon’s son receive?
How is Brandon able to grow his wealth?
Who is thinking like a banker?
Who is thinking like a business person?
What about guidance?
What happens at a 6-month review?
Who is the mind chasing business?
Who said “most people would rather die than think?”
What about inviting people to dream?
If you were king or queen of money for a day, what would you change?
How might you create differently?
How might forge your own path forward?
What about imagination?
How do we grow out of the mess?
Why does it matter?
How are Bank on Yourself Professionals® different from your typical life insurance agent?
Where are you saving?
Is Bank on Yourself® the best place to save?
What about the mindset of saving perpetually?
Who has the money?
What are you thinking about?
When did the last opportunity come along?
When will the next opportunity come along?
Are you ready?
What are the benefits and keys to becoming a Bank on Yourself® professional?
With whom are you connected?

In this episode, we ask:

What is going on?
What went wrong?
What is an exchange?
What’s the problem?
What did the new CEO say?
What has happened to cryptocurrencies over the last 12 months?
How did this bleed into lobbying?
What’s going to happen?
What happened in 2008?
What are some of the complexities?
Who is vigilant?
How can you take even more care?
What are some parallel stories?
What emoji would you choose?
What about record keeping?
What about board minutes?
What about the mania?
What about the due diligence?
What about the FOMO (fear of missing out)?
What happened?
What is the mindset?
What is the nature of risk?
How much is it down?
How does it drop more than 70% twice in the last year?
Who are among the suckers?
Is crypto winter now a crypto ice age?
Have you seen web3isgoingjustgreat.com?
What are the 9 reasons to avoid crypto?
Would you like to hear Episode 183?
What is the underlying value?
Who is taking unnecessary risks?
Would you like to meet with Mark?

In this episode, we ask:

Who needs to hear this?
Where else can you get an asset that grows every single year?
What did Pamela Yellen say?
Would you like to take her up on the challenge?
Where is the loan coming from?
What are the benefits?
What about getting the money out tax free?
Why does the insurance company charge interest in the first place?
How much interest do you have to pay on a policy loan?
When do you owe the interest to the insurance company?
What are the tax benefits of loan interest?
When you take out a loan against a life insurance policy, don’t you have to pay the interest back?
What about taking out your very first policy loan?
Why are rising interest rates a good thing for policy holders?
What is the difference between simple and compound interest?
What about calculating loan interest in arrears?
What about an example?
How is this different from an annual percentage rate or APR?
What is the actual cost of the loan?
What really matters?
What is the cause?
What is the effect?
What about another example?
How did Mark get that number?!
Is your policy continuing to grow?
What can you reasonably expect?
How are Bank on Yourself® type life insurance policies designed differently from other life insurance policies?
Who can properly design Bank on Yourself® type life insurance policies?
Are your policies designed properly?
Is the devil in the details?
What about non-direct recognition policy loans?
Who is breaking compound growth?
Would you like to meet with Mark or a colleague of Mark’s?
Who charges us interest?
Who gets access?
What grows?
What is the insurance company doing?
What is going on with loan interest rates?
What are the responsibilities of the insurer?
Would you like to hear Episode 128?
How might the insurers make the best choices for their owners?
What does the contract state about policy loan interest rates?
How is the rate calculated?
What is the actual APR?
What about variable rates?
How are life insurance policy loans different from other types of loans?
What are the key differences for life insurance policy loan rates?
Will the policy lapse?
What happens when the rates rise?
Why is Mark thrilled?
Will your policy grow faster, too?
What about a hypothetical scenario?
Does this translate into higher profit distributions?
How does this affect cash value?
Does a Bank on Yourself® type life insurance policy still work if you don’t take policy loans?
What are the benefits?
What do policy owners receive?
What happens when you pay down a policy loan?
What options do you have?
What happens with an outstanding policy loan balance upon the insured’s death?
How is your policy helping to add security and confidence to your future?

In this episode, we ask:

Who is resilient?
Who is Rod Khleif?
What’s Rod’s story?
How many layoffs are expected?
What did Rod’s mom do?
What does Rod do today?
How did Rod build his real estate portfolio?
How is it all about cashflow?
Would you like to view rodslinks.com?
What kills cash flow?
Will the gravy train last forever?
What did Rod not pay attention to in 2006-2008?
What happened?
What about bridge debt?
Who is in trouble?
What about liquidity?
Who is fearful?
Who is excited?
What about the comfort zone?
Are you a leader?
Where is your focus?
What happens when you pay attention?
What about the word appreciation?
What about gratitude?
How does gratitude affect your health?
What about making a decision?
What about taking a step?
Would you like to explore Rod’s course?
How are you adding value?
How does one learn the audience?
What can we do to improve?
What are some of the conferences Rod is attending?
How does mindset affect outcomes?
What have you failed at this week?
What are you afraid of?
What are you going to do next?
What did Rod build?
What about goals?
What about feeding families?
Who is giving back?
What is fulfilling?
Who is giving back?
Would you like to share this episode? hello@nyafinancialpodcast.com
Would you like a 15-minute meeting with Mark?

Rod Khleif is a business owner and philanthropist who is passionate about business, high performance, real estate and giving back. As one of the country’s top real estate and peak performance luminaries, he has also owned over 2,000 properties.

Rod recovered from losing $50 million dollars in the crash of 2008 to the success he enjoys today. Rod brings incredible authenticity and insight to his approach to real estate, mindset, success and life. Rod also founded The Tiny Hands Foundation, which has benefited more than 130,000 children in need.

In this episode, we ask:

What about a cash purchase strategy?
Would you like to hear Episode 283?
What about a case study?
What if you used the policy loan feature with every major purchase you need in your life?
What about strategy #2?
Are you into flipping?
What about using a cash out refinance?
What about a case study?
When do you have to pay off existing policy loans?
What about ongoing commitments?
What about liquidity?
What about single premium whole life policy?
What are the advantages of single premium policies over recurring premium policies?
Are the gains taxable on single premium policies?
What creates a taxable event?
What about a syndication example?
What happens if he passes away?
What about arbitrage?
Who earns more than they spend?
How much can you get out of your local bank account?
What about paperwork?
What about borrowing from a policy?
What is the APR?
What is the growth?
What is the arbitrage?
What about efficiency?
What’s the catch?
What about insurance costs?
When is the policy the least efficient?
How much patience is required?
Is the policy’s cash value going to grow more efficiently each year?
What about get rich quick?
What about get rich for sure?
What about the FOMO?
What is the biggest risk or consideration?
Who knows about this?
Who knows how to design these properly?
What about working with a Bank on Yourself® Professional?
How much do you want?
Would you like to meet with Mark for 15 minutes?

In this episode, we ask:

Would you like to subscribe?
Is there a better time to be a real estate investor?
Would you like some game-changing strategies?
What about mortgage rates?
What about inflation?
What is the overall state of the market?
How far will the money last?
What is the monthly cost for long term care?
What did the study from Urban Institute say?
Who is able to retire?
Will you have the choice?
How might constraints drive innovation?
Where might your money go?
What is the small hinge that will swing the big door in your financial life?
Where will your money live?
What about risk, tax, fees and penalties?
What do you want your money to do for you?
Do these products solve your problems?
Do these products feed the problems?
What is guaranteed?
What did Einstein say?
What are the attributes of your money?
Is it taxable?
Is it guaranteed?
Can you leverage it?
Is it at risk?
Do you have control over where your money lives?
What are your answers to these questions?
- Can you lose money due to elements outside of your control?
- Are guarantees on your money offered or received?
- Is the principal safe and protected?
- Are there any penalties to access your cash?
- Can you get access to the money without red tape or delays, if you need it?
- Can you leverage your money to create the most amount of wealth for the least amount of money?
- Does your money grow tax deferred, or is it going to be taxed in the future? Is it going to be tax free in the future?
- Is your money protected from lawsuits and creditors and other predators?
- Can your money be used as collateral?
- Does your money transfer income tax free to your heirs?
Is your money doing things counter to your desires?
Where will your money live?
What are you going to do about it?
What about a story?
What did Mark learn?
What about Bank on Yourself® type whole life insurance policies?
Is it time to find a better way?
How does this fit with real estate?
Why should we bother?
What about tax advantages?
- How is this similar or different from a Roth IRA?
What about guarantees?
- How is this time tested?
- How are the guarantees a great buffer?
What about insurance?
- Does whole life insurance expire?
What about freedom?
- What about liquidity?
- What about access? What about loan provisions?
How can you get true, uninterrupted compound growth?
What does any of this mean to you and your real estate business?
What happens when you combine real estate and Bank on Yourself®?
See you next week!

In this episode we ask:

Are you missing out?
Would you like to subscribe?
Join the FREE Not Your Average Financial Community to receive a notice about this year’s dates!
Would you like a 30,000 foot flyover of financial choices?
Where might you park your money?
Where does your money live?
Why does this matter?
What are the pros?
What are the cons?
What were the news cycles saying in May 2022?
What about cash?
What about checking?
What about savings?
What is great about cash?
What are the downsides of cash?
What about inflation?
What about certificates of deposit (CDs)?
What about bonds and bond funds?
What about precious metals?
What about crypto?
What about term life insurance?
How about fixed annuities?
What about variable annuities?
What about dividend paying stocks?
What about stock buy backs?
What about common stocks?
What about tech stocks?
What did DALBAR say?
What about ETFs?
What about TDFs?
What about qualified plans, like 401(k)s?
What about real estate?
What about indexed universal life insurance?
What about variable life insurance?
What about business and K-1 partnerships?
What about Bank and Yourself® type whole life insurance?
What about all time record highs?
Is it an “either/or”?
Is it a “both/and”?
What are Mark’s takeaways?
Would you like to hear Episode 187?
Which of these tools were surprised about?
What did you learn? What are your takeaways?
Would you like to meet with Mark?

This is a segment from our 2022 Not Your Average Financial Summit. If you enjoy this presentation, and are interested in all of the slides and resources, consider joining us this autumn for the 2023 Not Your Average Financial Summit!

In this episode, we ask:

What have your experiences been with financial planners?
What about insurance?
Why do so many struggle to trust insurance professionals?
How did Mark meet Amanda?
Who is Amanda Neely, CFP®?
What about the education?
What about the exam?
What about the ethics?
What about the experience?
How long did it take Amanda to study and sit for the CFP® exams?
Why did Amanda put herself through this?
What is special about being a fiduciary and a CFP®?
What about Bank on Yourself® type whole life insurance policies?
How many female Certified Financial Planners® are available?
What’s it like to be a CFP® and a Bank on Yourself® Professional?
How are specialties so valuable?
What about liquidity?
What about estate planning?
What about real estate?
What about tax?
How does a whole life insurance policy integrate into the rest of life?
What about other kinds of insurance?
What about liquid emergency cash?
Does the Bank on Yourself® concept still hold water after Amanda’s CFP® education?
What did Mark and Amanda find in the fine print in the investment textbooks?
What did they find in the models and formulas?
What are the flaws?
Why do we make decisions based on previous performance, when there are no guarantees of future performance?
What about investing in the stock market?
Do you really understand what you’re doing?
Are you choosing “your mechanic” wisely?
What “car” are you driving?
How does it feeling driving it?
Would you like to meet with Amanda?

Amanda Neely, CFP® is a Certified Financial Professional® and Bank on Yourself® Professional, who uses her years of experience in business growth to develop personalized financial strategies for individuals, couples, and entrepreneurs. She works with people to find their unique path to financial freedom. Reach out to Amanda at www.wealthwisdomfp.com

In this episode, we ask:

Have you shared this episode?
Would you like a free book? Show us how you shared this episode, and we will send you a book!
What happens when your environment changes?
What about the boring Certificate of Deposit (CD)?
Are CDs liquid?
What is the history of the CD?
What about the current interest rates?
What about tax?
What is a mutli-year guaranteed annuity (MYGA)?
What about the guarantees?
What is there to love about MYGAs?
What is a 1035 exchange?
What about thinking long term?
What about some examples?
What about transferring from a MYGA to a single premium indexed annuity(SPIA)?
What are the alternatives?
What about the 4% rule?
What about commissions?
What about guarantees?
What about low fees or no fees?
What are the age ranges?
What are the risks of a MYGA?
What about FDIC insurance?
Would you like to hear Episode 55?
Who is going to pay?
What happened in Cyprus?
What about knowing the environment?

In this episode, we ask:

What is new?
What are some strategies?
Will the sun rise again?
What did Steve Jobs say?
Is it hard to know?
What will the stock market be doing at the end of this year?
What about volatility?
What about mortgage rates?
What about inflation?
How will your business perform?
Who is impressing Mark to no end?
What about a seven figure business?
What are the market shifts?
What is happening to his margins?
What about being reliant on W-2 income?
How do people tend to prepare for an uncertain future?
What about stocks?
What about Disneyland?
What about Goofy’s Sky School?
What about going up?
What about going down?
What about going left?
What about going right?
What about sitting on a roller coaster for 35 years?
What about returns?
What about constantly breaking compounding?
What was the experience of an average speed?
What about slamming on the breaks?
What happens when it loses 35%?
What about an example?
What happens in business?
How does age play into this?
Does the market care?
When do you want your money growing at its most efficient?
When are your best money years?
What about inflation?
Can you earn an income?
What about your least efficient years?
Wouldn’t it be great if you could get better gas mileage?
What if the software could be faster?
What about a linear return?
What about averages?
What about Bank on Yourself® type whole life insurance?
Can you do better investing in the stock market?
Is this an attractive alternative?
What about illustrations?
What about the rate of return?
What about the “average” returns of the stock market?
How does real compounding really work?
What about some examples?
What were these policies designed for?
What was the “average” rate of return on this sample?
How long have these been in force?
How much was that increase?
What about annualized internal returns?
What about savings account?
What about stock market returns?
What about crypto?
What about real estate?
What about anything else?
What about term insurance?
What about whole life insurance?
What about the increase in his cash?
What is the annualized yield?
What about the contributions?
What did a skeptical client ask?
How can I do more?
What about the policy ceiling?
What about predictable guarantees?
What about results?
What happens as a life insurance policy ages?
What about the unforeseen curve balls?
What will happen?
Will you get a pay raise?
Will you get laid off?
Will your policy get more and more efficient every year?
Will your policy hit an all time record high?
What is Mark’s prediction?
Can you lean on the guarantee?
Who are you working with?
Is your current financial planner willing to sign their name next to a minimum guarantee?
How can that be called a plan?
Will your policy hit another all time record high this year?

In this episode, we ask:

Do you need new skills?
What about the tools?
What skills might it take to be a good and successful employee?
What does it take to become a business owner or entrepreneur?
Who is Brian O’Neill?
What does it feel like to quit your day job?
What was the message Brian internalized?
What happened when Brian had a son?
What did Brian’s son say?
What did Brian say to his wife?
When did Brian end his W-2 job?
What about anxiety?
What is the imposter syndrome?
What about the fear of success?
Have you read the book, Mindset by Carol Dweck?
Who has made errors?
What hurdles did Brian overcome?
Where is the true risk?
What are some of the practical things Brian has engaged?
How was a Bank on Yourself® type whole life insurance policy life changing for Brian?
What about health insurance?
What about tax?
Is your boss in a parental role?
How might you rely on yourself?
What happened when Brian told his son about his Bank on Yourself® type whole life insurance policy?
What is the strong reason?
What will it look like if…?
What is Brian up to?
Would you like to learn more at w2prisonbreak.com?
Where is the most risky place to be, in terms of your income?
Would you like to join our FREE Not Your Average Community?

Brian O’Neill is an experienced real estate investor, author, speaker, coach and podcast host. In his real estate business, he specializes in creative finance strategies for purchasing properties, offering flexible solutions for both buyers and sellers.

Brian spent 25 years in corporate sales, stuck in a job he didn’t like and being away from his wife and young son. After decades of trying, Brian was finally able to break free and start his own real estate business and now he helps other aspiring entrepreneurs in similar situations
break out of their W2 Prisons through his coaching program and his podcast – The W2 Prison Break Show.

Brian has experienced many challenges and roadblocks in his life and has had lots of help from family, coaches, and mentors along the way. Providing the highest value to his clients to help them realize their dreams is something that drives him on a daily basis.

In this episode, we ask:

How many of your dollars have gone to money heaven?
What about stocks?
Will the market turnover continue?
Will the volatility endure?
Will this take a decade?
What about 1995 to 2022?
How far will the market fall?
What does it mean to revert to the mean?
Is this market super cheap?
Is it fairly valued?
Are stocks extremely expensive?
Are stocks “on sale”?
Is it time to buy the dip?
What about the tech stocks?
What about being careful?
Do you want to catch a falling knife?
What about the table pounding?
Does buying the dip really work?
Is it really a good time to buy?
How about previous prices being overvalued?
Were the tech companies overextended?
Who is being lulled into this falling knife market?
Who is receiving a fee?
Is your fund manager in the rarified group?
Should we have monkeys throw darts at a board?
What about the statistics?
What about human nature?
What about a financial guide?
What about Legolas from Lord of the Rings?
Who is your Gandalf?
What do your financial advisors need to know?
Who can predict the future?
What is the important skill for financial advisors to have?
What about the Lindy Effect?
Who will you help you look into the distant past?
What strategies have worked through difficult seasons?
Does whole life insurance and annuities thrive through the hardest times?
What about real estate?
What about the contract of wealth?
What about income?
What are our clients seeing?
What about returns?
What about fixed indexed annuities?
What about an average rate of return?
Are these real world scenarios?
Will you have to climb out of a hole again?
What are the takeaways?
What will the future hold?
Who sees the past?
Will you fall for the trap?
Will you move forward with humility?
What about avoiding losses?
Would you like some help?
Would you like to meet with Mark?
Who needs to hear this episode?
Do you know how thankful we are for you?

In this episode, we ask:

Is this what you expected?
What happens when you want to buy out your partners?
Who is Philip Harris?
How did Mark and Philip meet?
What was Philip’s first memory of real estate and real estate investing?
What about commercial real estate?
What about residential real estate?
What is Philip’s background?
What did Philip learn from mentors?
Where do you get your energy from?
How did Philip learn about infinite banking?
What about syndication?
How does Philip engage infinite banking / the Bank on Yourself® concept to buy real estate?
How is Philip “syndicating on himself”?
What is syndication?
What are the responsibilities?
What about passive vs. active?
How did Bank on Yourself® factor in to Philip’s strategy in the earlier years?
What are the additional benefits?
Why is this a good fit for Philip?
What are the headaches?
How does Philip’s engineering expertise drive his interest in whole life insurance?
How is boring actually exciting?
What are the goals?
What are the limits?
What about income replacement?
What about diversifying into various property types?
What did Philip realize?
What about eliminating the lender?
Why turn to a lender?
Will Philip become the lender for other borrowers?
What advice does Philip have?
What is prosperity?
Would you like to reach out to Philip at philip_harris@terrabonainc.com?
Would you like to join the Not Your Average Financial Community?
What could you do?

Philip Harris, a native of Texas, leveraged a B.S. in Computer Science & Engineering and MBA in Finance into a corporate career of 25 years in Computer Engineering and Support as well as Executive Management. Retiring in 2013, he began pursuing a new career as a commercial real estate investor, after studying under several mentors. Philip initially syndicated three multifamily deals but has since chosen to pursue his fourth (and soon-to-be fifth) deals on his own using a self-banking system and benefits from that approach.

In this episode, we ask:

What are the actual steps of thinking?
Do you have a process for your thoughts?
Do we already know it all?
How does one reverse engineer?
Have you read The Road Less Stupid by Keith Cunningham?
Would you like to avoid the arrival syndrome?
What can we improve?
How much money would you have in your hands right now, if you could unwind the worst three financial decisions you’ve ever made?
What about doing fewer dumb things?
What about reading and thinking?
What is the skillset?
What about taking 30-45 minutes centered around a high value question?
What about pain avoidance?
What are the core disciplines?
Could we all become a bit better at thinking?
How many arguments might we avoid?
How much would it improve our BMI or waistline?
How about adding zeros to your net worth?
What is the unasked question?
What is the right answer?
What is the real problem?
What about the right question?
How might I ______ …. so I can _________ … ?
Would you like to hear Episode 122?
How might you separate the problem from the symptom?
What are the biggest problems?
What about adventures in missing the point?
How is the root problem different from the symptom?
- What are the possible reasons I’m noticing this symptom?
- What is not happening, that if it did happen would cause the perceived gap to narrow or disappear?
- What is happening, that if it stopped happening would cause the perceived gap to narrow or disappear?
Is this an easy task?
What about brutal honesty and penetrating questions?
What about checking your unexamined assumptions?
Where have I been substituting my opinions for real facts?
What do I not see?
What about considering the second order consequences?
- What is the downside?
- What is the upside?
- Can I live with the downside?
What about examining the unintended consequences?
What about creating the machine?
What about the change that will close the gap?
What about getting closer to our desired outcome?
What about a new strategy?
How might you use the skill of thinking to your advantage?
How might you get to the root and take decisive action?
Will you sit down by yourself and think?
Would you like to meet with Mark?

In this episode, we ask: Would you like to hear a very special presentation? Is dividend paying whole life insurance the best vehicle possible? Who is Marty Smith? How is Marty in the belief changing the business? Is the bank the best place to store your money? Is the 401(k) the best place for your...

In this episode, we ask: Would you like to jump in together? Would you like to avoid the BEAR traps? Why do people continually do things that are not in their best interest? What about our subconscious operating system? What about subconscious beliefs about money? Is money the root of all evil? Who deserves money?...

In this episode, we ask: Do you truly have to deal with market losses? Is there anything we can do? What are the choices? What has changed? What would money look like if it were easy? Why is money in your life? What’s more important than money? What about the power of the contract? How...

In this episode, we ask: Are you ready for the season of your life where income stops but expenses continue? What did the Ubiquity Retirement Savings Group and the National Today Data Science team survey? What did they learn? Who has 5K saved? Who will be able to maintain their standard of living in retirement?...

In this episode, we ask: How does stress affect health? What happens when you lose your health? What happens when you lose your wealth? Who will experience a wealth shock? What about the research from the University of Georgia? Who is Jason Bleick? What did Jason notice in the health care system? What did Jason...

In this episode, we ask: How does stress affect health? What happens when you lose your health? What happens when you lose your wealth? Who will experience a wealth shock? What about the research from the University of Georgia? Who is Jason Bleick? What did Jason notice in the health care system? What did Jason...

In this episode, we ask: Are you busy enough? What does F.I.R.E. stand for? What about multiple streams of income? What about intergenerational wealth? Who is Nick Ku? What is Nick’s career journey? How did Nick discover Mark? What is Nick’s side gig? What about making it and the American dream? What about diversification? What...

In this episode, we ask: Who would you call? What about years of combined experience? What about accumulation? What about distribution? What about that phase in the middle? Would you like to listen to and learn from this panel? Reach out to anyone on this panel: Amanda Neely Brandon Neely Kristin Colca Marc Beshears Marvin...

In this episode, we ask: Are dashboard lights flashing red on the economy? What makes the economy go up and down in the first place? What about money? What about saving? What happens when the banks have more funds to lend? What about the changes in interest rates? What about long term decisions? What happens...

In this episode, we ask: What is the average retirement age for many Americans now? Are people retiring later? What is the average income and average net worth of these Americans? How much? What or who is the wizard behind the curtain? Thanks to Tom Woods and the many historians and economists I cite in...

In this episode, we ask: Is there truly nowhere to hide? Would you like to join us THIS WEEKEND for the FREE Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1, 2022? Login or Join the FREE membership community to Reserve Your Spot! Would you like to hear Part 1...

In this episode, we ask: Is there truly nowhere to hide? Would you like to join us THIS WEEKEND for the FREE Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1, 2022? Login or Join the FREE membership community to Reserve Your Spot! Would you like to hear Part 1...

In this episode, we ask: Would you like to join us for the FREE Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1, 2022? Login or Join the FREE membership community to Reserve Your Spot! Who is Lester Him? Would you like to hear Part 1 of this interview...

In this episode, we ask: Would you like to join us for the FREE Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1, 2022? Login or Join the FREE membership community to Reserve Your Spot! Who is Lester Him? Would you like to hear Part 1 of this interview...

In this episode, we ask: Would you like to join us for the 2022 TWO DAY Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1, 2022? Login or Join the FREE membership community to Reserve Your Spot! Does it make you stronger? What would happen if you earned...

In this episode, we ask: Would you like to join us for the 2022 TWO DAY Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1, 2022? Login or Join the FREE membership community to Reserve Your Spot! Does it make you stronger? What would happen if you earned...

In this episode, we ask: Would you like to join us for the Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1? Login or Join the FREE membership community to Reserve Your Spot! Did you do what you were supposed to do? Who is Doug Peacock? What is...

In this episode, we ask: Would you like to join us for the Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1? Login or Join the FREE membership community to Reserve Your Spot! Did you do what you were supposed to do? Who is Doug Peacock? What is...

In this episode, we ask: Would you like to join us for the Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1? Login or Join the FREE membership community to Reserve Your Spot! Has anyone’s 401(k) been a ravishing success? What did Ted Benna do? What is the...

In this episode, we ask: What about participating in real estate without using banks? Who is Chris Prefontaine? Would you like to hear Episode 125? What about buying and selling real estate on terms? What is a lease purchase? What about dealing with banks? What about generational wealth? What about life transformation through contractual wealth?...

In this episode, we ask: What is the most important business in the world? Who is in the banking business? Who is Marty Smith? What about a Marty Smith trilogy? Where has Marty and his wife been living for 46 years? How long has Security Mutual of New York been in business? What are the...

In this episode, we ask: What about a life changing moment? What do banks do with money? Who is Kristin Colca? What happened to Kristin? What does Kristin do? What happened when Kristin met Teresa Kuhn? What happened when Kristin graduated with her finance degree? Would you like to hear Episode 56? What about a...

In this episode, we ask: Have you ever wondered what it’s really like to be on a launch pad? What happens when the engines light? What about accelerating straight up? What about large sums? What about real estate? What about debts? What about a Bank on Yourself® type whole life insurance policy? Will it fit?...

In this episode, we ask: Have you ever wondered what it’s really like to be on a launch pad? What happens when the engines light? What about accelerating straight up? What about large sums? What about real estate? What about debts? What about a Bank on Yourself® type whole life insurance policy? Will it fit?...

In this episode, we ask: What about guarantees? What is the catch? What are the guaranteed components in life insurance contracts? What are premiums guaranteed? What about fixed premiums? What about term insurance? What about indexed universal life insurance (IUL)? What sort of contract is this? What is your end of the bargain? Why has...

In this episode, we ask: What is the truth about the last few years? Would you like to learn about underwriting? Who is Ryan Nemcek? What happened at Ryan’s wedding? How did Ryan become the Senior Underwriter at Security Mutual Life Insurance Company (SML)? What does underwriting entail? What’s is the weirdest case that has...

In this episode, we ask: How do you solve an unsolvable problem? Can you solve a Rubik’s cube? What about complexity? Who is Steven Step? What’s Steven’s story with Bank on Yourself®? What happens every year on the policy statement? What is always increasing? What is the best way of creating a safe, tax-free retirement...

In this episode, we ask: Is it possible to give what you have not received? Who is Brandon Neely? What is Brandon’s superpower? What does Brandon suggest? Why does Profit First matter? What (who) is the biggest risk? What (who) is the biggest asset? What happened when Brandon and Amanda sold their coffee shop business?...

In this episode, we ask: Are you stuck for your whole life? What if you had the option to take your business elsewhere? What about a poorly designed policy? What about a policy that was improperly designed? What is Section 1035? What about a tax free transfer? Do you know about the 1031 exchange? Do...

In this episode, we ask: What about capital goods? What if we added a zero? Do we automatically have more wealth? How are Bank on Yourself® type whole life policies affected by inflation? What are some specific strategies? What about some common myths? How much money is floating around? What about bug protein? What about...

In this episode, we ask: Are inflation indicators blinking red? What is the PCE index? How high is inflation? What happened in September 1983? How does inflation work? How does inflation affect your financial goals? Would you like to hear the information shared with Jay Helms at W2 Capitalist Part 1? What about Not Your...

In this episode, we ask: What happened in the middle of the tech bubble? Why is it OK for policies to take years to break even? How is this not a deal breaker? Who are the Proskauers? Would you like to hear Episode 118? What is Dan and Rebecca’s story with money? How did they...

In this episode, we ask: Have you ever had life throw you a curve ball? Who is Marc Beshears? How did Marc learn about Bank on Yourself®? What happens when things are too easy? What happened with the hurricanes? What assets are creditor proof? What is a private asset? What happened when Marc learned about...

In this episode, we ask: Who is Amanda Neely? Would you like to hear Episode 113? How about an update? What happened with Amanda’s client? What about scenarios for the future? How did the life insurance companies fair over the last two years? How about some updates? What happens? What about stock market volatility? What...

In this episode, we ask: Have you ever seen a double pendulum? Have you ever played Plinko? What about quantum mechanics? What about the bell curve? What about emerging patterns? What about statistics? What about Sir Francis Galton? What about order out of chaos? What about Monte Carlo simulations? Can you unwind a portfolio in...

In this episode, we ask: Do you have a visceral reaction to certain words? Who is Tim Foor? How did Tim become a loan officer? Would you like to hear Episode 157? Does Tim own Bank on Yourself® type life insurance policies? What does Tim think about Bank on Yourself®? What about mixing Bank on Yourself® type...

In this episode, we ask: What would you think of a young person walking up to you with a business plan? Would you loan him money? Do you have kids? Do you know someone with kids on their way to college? Who is Angie Grimm? What happened when Angie was a senior in high school?...

In this episode, we ask: What is the risk of owning a business? Who is Jay Helms? How did Jay meet his wife? Where is Jay? What has Jay learned about short term rentals? What was Jay’s experience with taking a policy loan? What was Jay’s experience with the bank? What about moving away from...

In this episode, we ask: What is the purpose of your money? What’s it all for? What happens when you get more money? What is the key? What about a story? What is ROE? What about Bill Perkins’ book, Die with Zero? What happened when Mark went to Japan? What about memory dividends? What about...

Die With Zero: Getting All You Can from Your Money and Your Life

In this episode, we ask: What about tax as a seven layer dip? What are the different tax systems? What about income tax? When did the income tax start? What about payroll tax? What about capital gains tax? What about short term and long term capital gains tax? What about sales tax? What about property...

In this episode, we ask: What about the meaning of life? What about taking responsibility? Who is Thomas Paukovitz? What’s his story with money? What happened with Thomas and Amanda in the first year of marriage? What did they learn? What about goal setting? What about student loans? What about car loans? What about debt?...

In this episode, we ask: Are you focused on a bigger and better future? Who is Mark Briggs? Would you like to read Mark’s new book, The Butterfly Impact: Resilience, Resets and Ripples? What are Mark’s memories with butterflies? How might innovations happen within organizations? How do we take advantage of opportunities? What about transformations...

The Butterfly Impact: Resilience, Resets, and Ripples

In this episode, we ask: Who is Christian Ward? How did Christian earn his first dollar? How does Christian handle the ups and downs of living on real estate commissions? What is it like starting out as a realtor? What about working on the business of real estate? What about Profit First? How did Mark...

Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine

In this episode, we ask: Did you know we work with clients in all 50 states? What are your financial goals and objectives? What about long, deep conversations? What about satisfaction? What about documents? What about questions? What about general overwhelm? What about talking and thinking about it? What about courage? What are the twelve...

Would you like to hear 10 of THE BEST episodes so far? What makes a Bank On Yourself® Type Whole Life Insurance Policy work? In this episode, we ask: How nerdy can we be? What financial asset has increased in value every year for the last 160 years? Why, in the early 20th century, did...

Would you like to hear 10 of THE BEST episodes so far? Do you need to work with a BANK ON YOURSELF® PROFESSIONAL? In this episode, we ask: What do you call a … ? Are all financial professionals right for your needs? How many designations and credentials are available for financial professionals? What about...

Would you like to hear 10 of THE BEST episodes so far? Where will your money LIVE? What do you want your money to DO for YOU? In this episode, we ask: Does a perfect financial solution exist? What do you want your money to do for you? Where do you want your money to...

Would you like to hear 10 of THE BEST episodes so far? Is it wise to take a POLICY LOAN or not? In this episode, we ask: Would you like to leave us a review? Do you experience panic moments? Have you ever felt panic around a policy loan? Have you heard Episode 34? How...

Would you like to hear 10 of THE BEST episodes so far? How do Bank on Yourself® Type Whole Life Insurance LOANS work? In this episode, we ask: What is a life insurance policy loan? If I’m trying to be debt free, why go back into debt with an insurance company? Are life insurance loans...

Would you like to hear 10 of THE BEST episodes so far? How can certain whole life insurance polices grow on a GUARANTEED basis? In this episode, we ask: What about Silly Putty? What about accidental inventions? What about the wheel? What about the axle? What about the power of leverage? What about access? What...

Would you like to hear 10 of THE BEST episodes so far? Here’s a dive into Bank on Yourself® Type Whole Life and REAL ESTATE. In this episode, we ask: How does Real Estate work with Bank on Yourself®? How is this like combining nitro and glycerine? What does it take to combine real estate...

Would you like to hear 10 of THE BEST episodes so far? Are you in DEBT? Are you SAVING? Are you CREATING WEALTH? In this episode, we ask: How do you buy stuff? Would you like to meet us in person? What staircase are you climbing? How do you fund large capital purchases? What are...

Would you like to hear 10 of THE BEST episodes so far? Here’s an important episode on planning for LIFETIME INCOME. In this episode, we ask: How much peace and financial stability can you have? How do oceans and rivers work together? How do we benefit from systems? Are annuities good for liquid access? How...

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

In this episode, we ask: What’s your attitude about money? Who is generous? Who is risky? Who is trading? Who is hoarding? What is your bias? What did Morning Star’s bias study say? What is present bias? What is base rate neglect? What about loss aversion? What about confirmation bias? Would you like to hear...

In this episode, we ask: What are the weirdest things available for sale? Would you like to join our Not Your Average Financial Community? Who is Debbie Wilder? Would you like an Office Hours sneak peek? Why did I buy this thing again? Debbie Wilder is a Bank on Yourself Authorized Advisor; prior to this...

In this episode, we ask: What about health insurance? What is the cost for covering a family in the U.S. for healthcare? Who is Andy Schoonover? What about healthcare.gov? What happened with Andy’s daughter? How much was the 15-minute procedure? What about procedures being considered medically unnecessary? What is CrowdHealth? What about families going bankrupt...

In this episode, we ask: Who is Chris Tobe? What’s his story? Have you read Kentucky Fried Pensions? What about contracts? What about excessive fees? What about the tax payers? What about the Chicago Police pensions? Would you like to read the Twisted Priorities article? What’s happened in Pennsylvania? What about making a partial payment...

Kentucky Fried Pensions: A Culture of Cover-up and Corruption

In this episode, we ask: When will your cash value equal your death benefit? What about an increase of cash? Do you intend to make it to 121 years old? What four ways can you accelerate your cash accumulation? What about interest rates? What about stock market performance? Is it boring? What is the first...

In this episode, we ask: How might one cover the insane, rising cost of college without vaporizing retirement savings at the same time? Do you have someone in your life going to college or planning to go to college? Have you heard Episode 143? Who is Marty Smith? What about a story? Do you like...

In this episode, we ask: How about the times? Have you heard of Bread and Circuses? What about real, honest conversations? Who is Joe Rulli? What’s Joe story with money? How is a co-op different from a condo? What about co-office space? What did Joe initially think about Bank on Yourself®? What about volatility? What...

Bread & Circuses

In this episode, we ask: What about the smoke-filled room in Chicago’s Blackstone hotel? What happened at the end of 2020? What is the 7702 rule? How does this affect life insurance? When was this last changed? What is the amount of premium that can fund a policy and stay in-force based on life insurance...

In this episode, we ask: What are the hardest, toughest questions I’ve heard people ask? Would you like to hear Episode 217? Why should I use the company you’re showing me? What about this other insurance company’s dividends? What’s the story behind the dividend? Is the company stable? What are the 29 qualifications for a...

In this episode, we ask: What about tough questions? What about breaking even? Why is Bank on Yourself® type whole life insurance worth it, when I am so close to retirement? Have you missed opportunities? Have you taken on too much risk? …Compared to what? What about an example? Would you have enough money and...

In this episode, we ask: What is the biggest hidden snake in your retirement plan? What about bonds? What about future taxes? What about something outside of the market all together? What is the biggest unseen risk? What is sequence of return risk? What about good news? What about bad news? Who is Jeff Hochwalt?...

In this episode, we ask: Can you rely on someone else to create your financial plan? Have you heard Episode 122? Who is your money guru? Who is Jack Gerstner? What about financial education? What about research? What about being open to new ideas? What about challenging assumptions constructively? What is Jack’s story with money?...

In this episode, we ask: Would you like to join us tomorrow, October 9, 2021, for the Not Your Average Financial Summit? What about the hyperinflation after WWI? Is finance “just math”? What about net worth? What is far worse than being in a negative net worth? What about interest payments to debt? Would you...

In this episode, we ask: Do annuities stink? What are the retirement experts saying? In this episode, I explore the Kiplinger’s Article from June 3, 2021 on 8 Surprising Ways to Prosper on Annuities and add some of my own thoughts. Have you read this article? It’s really good… What are the three questions you...

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

In this episode, we ask: Would you like to join us on Saturday, October 9, 2021 for the Inaugural Not Your Average Financial Summit? Join the Not Your Average Community to learn more! What about the fees on annuities? What about Dave Ramsey, Ken Fisher and Suze Orman? What about transferring risk? What about buying...

In this episode, we ask: Would you like to attend the Inaugural Not Your Average Financial Summit on October 9, 2021? Would you like to learn more? Would you like to join the Not Your Average Financial Community to get notified? What about savings running out? What about anxiety? What about the Alliance for Lifetime...

In this episode, we ask: Would you like to join us for the Not Your Average Financial Summit? Are you a member of the Not Your Average Community? Join Here What about Self-Directed IRAs? What happened on Labor Day of 1974? What is ERISA? What about IRAs and 401(k)? What about saving for retirement on...

In this episode, we ask: What about a seed? Who is Chris Thurman? What about his partner Grant Thompson? What happened when Mark was a client? What about love? What about life insurance as a central component? What about a story? How do we need to think? What about Nelson Nash? Why did Nelson Nash...

In this episode, we ask: Would you like to hear what people are saying? Who is Larry Kotlikoff? Would you like to view his books? What about economics? Why has the American worker not seen wages not gone up? What about Irving Fisher? What about consumption smoothing? What if you had a freezer full of...

Money Magic: An Economist’s Secrets to More Money, Less Risk, and a Better Life

In this episode, we ask: Have you heard the first episode in this series, Episode 205? Which is better: a 401(k) loan or a whole life insurance policy loan? How many of 401(k) investors have an outstanding loan? Should the 401(k) loan be the first choice or the last choice? What is the process for...

In this episode, we ask: Have you subscribed to this podcast yet? What did Patrick Henry say? Does where you keep money matter? Does where you keep your debt matter? What happens when you are in debt? How many Americans carry credit card debt? What about all other types of debt? What did the Federal...

In this episode, we ask: What have you been able to do because of your Bank on Yourself® type whole life insurance policy? What about Ryan’s story? What about Jessica’s story? What about Frank’s story? What about Krisstina’s story? Would you like to join us on the Not Your Average Financial Community at notyouraverage.mn.co?

In this episode, we ask: When did you start something really big? What are the options? What is the myth? What are the strategies? How is whole life insurance like a mortgage? What about bills? How is whole life insurance like real estate? What about savings? How can this benefit you in good times? What happens...

In this episode, we ask: Who is resilient? Who is Marilyn Blosser? How did Marilyn get into financial services? What about the federal government’s mandate to hire women in the insurance industry? What about a stable salary? What about commissions only? What about a subsidy? What about an unlimited income potential? What about working from...

In this episode, we ask: What about the hero’s journey? What about the predictable stages of business growth? Who is Brett Gilliland? What about predictable growing pains for the seven figures business? What about the start up phase until the first million? What do people need to do? What new stuff is there to learn?...

In this episode, we ask: What about Socrates? What did he say? What about drawing out? What about the socratic method? What’s the process? What about financial professionals? What about asking interesting questions? What about asking good questions? What about Dale Carnegie? What are the six types of questions that Socrates posed? What about clarifying...

In this episode, we ask: How do the .001% navigate their taxes legally? What about the ProPublica report? How do they legally pay a tiny fraction of their fortunes in taxes? What was your reaction to this news? As your income rises, do you pay more in taxes? Under current law, what is the highest...

In this episode, we ask: Would you like to hear this letter? Would you like to download the letter? Subscribe to our email, and get the letter FREE. What is your job to do on this earth? What is the meaning of life? Do you have a mission greater than yourself? Who is responsible? What...

In this episode, we ask: What about Silly Putty? What about accidental inventions? What about the wheel? What about the axle? What about the power of leverage? What about access? What about cash value? What about a contract? What about Bank on Yourself® type whole life insurance contracts? What about Episode 195 and Episode 196? How...

In this episode, we ask: Does the rate of return matter? What article did Les McGuire write? What about a road test? What about real economic analysis? What is the meaning of the word economy? What about the science of scarcity? What about the consequences? What is the free market economy built upon? How is...

In this episode, we ask: Can you imagine writing a contract with your future? Would you like to hear the live webinar that Mark did for Jay Helm’s W2 Capitalist group? What are the two universal laws? What about gravity? What about entropy? What about division? What are the risks? What about unexpected financial responsibilities?...

In this episode, we ask: What is the goal of climbing a mountain? Who was the first person to successfully climb Mount Everest? What about coming down the mountain? What about a sherpa? What about compensation based on AUM? What is the volatility buffer? What about when all of the money is tied up in...

In this episode, we ask: Is it possible to mess up a Bank on Yourself® type whole life insurance policy? Is it possible to mess up a microwave? Would you like to ask your own questions? Would you like to join us on the Not Your Average Financial Community? Who is Jim Conrad? What about...

In this episode, we ask: What about courage? What about taking big leaps? Who is Stephen Devlin? Do you live outside of the U.S.? Have you ever jumped out of an airplane? How did Stephen’s life change? Why did Stephen become a Bank on Yourself® professional in Vancouver, Canada? What happened to Stephen’s business in...

In this episode, we ask: Would you like to hear our Q&A? Can I do a one time lump sum without recurring premium on a key man whole life dividend paying policy? Would you like to hear Episode 174? How do you give your older kids the high level overview of financial education… telling them...

In this episode, we ask: What strategies are you excited about? What about being a newbie? Would you like to hear a ninja belt metaphor? What is the white belt? What about saving from cash flow? What about monthly premiums? What do you learn in karate? How many moves are you making in your monthly...

In this episode, we ask: Do you practice MMA? How could you bully-proof your money? What is the first stance? Are you willing and ready to learn? Do you have an open mind? Are you able to be attentive? Do you show up? What is the second stance? How might you replace your bad habits...

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

In this episode, we ask: Did you know that you can convert certain term life insurance policies to whole life without having to prove that you are in good health? What about renting? What about owning? What about the cost? Why are whole life premiums higher than term life premiums? Is whole life insurance way...

In this episode, we ask: Who has their hand on the steering wheel of life? Who is Rabbi Daniel Lapin? What was his most important journey? Who tends to be disproportionally good with money? What did William Wordsworth say? What about entropy? Is chaos the order of things? What about building? Are you taking care...

In this episode, we ask: How do you know if you’re a leader? Who is Roger Blankenship? What is the Flipping America Network? Would you like to visit rogerblankenship.com? How BIG is Roger? What’s Roger’s story? What about real estate? What does Roger want to do before he quits? What about really wanting to do...

In this episode, we ask: Have you ever seen the show, American Ninja Warrior? What about a finite amount of cash? Who is Jamie Hopkins? What are some of Jamie’s earliest experiences with money? What about the risks of retirement? What about Jamie’s new book, Rewirement? What about longevity? What about the unknown time horizon?...

In this episode, we ask: Do you remember your MySpace password? Do you have your bank password somewhere for your kids and grandkids to find? Who is Stefan Thomas? How did he lose so much Bitcoin? What are the risks? Does Bitcoin have value? Is crypto a way to safeguard wealth? What’s to love? What...

In this episode, we ask: Who is Steve Rozenberg? What was dinner like for Steve growing up? What changed for Steve around 9/11? What about real estate? What did Steve learn? What about property management? What about mindset and real estate investing? What’s happening to the airlines? Who owns the airplanes? What happens when the...

In this episode, we ask: What will you do with highly appreciated real estate? Who has tax problems? Is this just another 1031 exchange podcast? Who is Brett Swarts? What is a capital gains tax deferral strategy? What is a deferred sales trust? What about optimal timing? What about capital gains tax on real estate?...

In this episode, we ask: What is going on in the market? What happened to the fundamentals? What determines the price of a company? What about the present value of future dividends? Is this a simple world? Are we all playing the same game? What are the cracks in the system? Is there an unfair...

In this episode, we ask: How many conversations have you had with your family and friends about money? Do very few of us raise the topic of finances? Is money a taboo subject? What about the Not Your Average Financial Community? Who is Gina Bianchini? What is Gina’s story? What about Gina’s dinner table? What is...

In this episode we ask: Who is Tom Wheelwright? Have you read his book, Tax Free Wealth? Would you like to hear his podcast? What was Tom’s childhood like? Where did Tom first learn about money? What was one of Tom’s first jobs? What did Tom learn about rental property? With whom does Tom work?...

Rich Dad's Cashflow Quadrant: Rich Dad's Guide to Financial Freedom

Tax-Free Wealth: How to Build Massive Wealth by Permanently Lowering Your Taxes (Rich Dad Advisors)

In this episode, we ask: Are you a business owner? Who is Sarry Ibrahim? How can Bank on Yourself® type life insurance policies be used for business purposes? What about employee retention? What about cash reserves? Is your business sellable? What about a key person? How could you design this for business? How long can...

In this episode, we ask: What are people saying about annuities? What about supplemental income strategies for retirement? Should alternative income strategies be used in retirement? What about rental income? What about rental income in a pandemic? Is your rental property your annuity? How is this working out? What about Moody’s analytics? How many renters...

In this episode, we ask: How would you like to be paid every single day for the rest of your life? What are the surprising benefits of life time income? What about risk for retirees? What about longevity? Will you live and live and live? What about an annuity? Did he just say the A-word?...

In this episode, we ask: Can you imagine yourself in a forest? Why in the world would we have life insurance on a young child? What about life insurance on grandchildren? What about annual premium? What about 20-year-old policies? What’s an example? What about compounding growth? What about the time value of money? What about...

In this episode, we ask: Did you hear Part 1 in last week’s episode, Episode 172? What about Bank on Yourself® for seniors? What about long term care? Can an 85-year-old get life insurance? What about examples? How do lump sum premiums work? What about riders? What about growth? What about guaranteed values? What about...

In this episode, we ask: Have you ever seen the movie, The Little Shop of Horrors? Are you working because you want to or because you must? What about running out of money? What about death? What about pensions? What about 401(k)s? What about health problems? What about life savings? What about social security? Can one...

In this episode, we ask: Are you unemployed? Are you faced with challenges, as a business owner? Who is Nicole Martin? Who is Katie Cummins? What about leadership? What about shared leadership? What ingredients do you have to put on the table? What’s the state of our current employment landscape? What’s the biggest competition? What happened...

In this episode, we ask: What’s one of the top reasons people go broke? Who is Joel Noble? How does Joel define leadership? What is Samaritan ministries? What is a “non-insurance” way to meet medical needs? What about the ongoing crisis in medical needs? What is the cost of health coverage for most families? What...

In this episode, we ask: Have you wished you could give more? How might you leave a substantial legacy? How might your gifts affect generations? Who is Mark Willis? Would you like to have a meeting regarding charitable giving? Would you like to book a meeting with Mark at lakegrowth.com/schedule to discuss? What about old...

In this episode, we ask: What’s the number one thing in your financial life? What is the moment that compounding can work for you? Would you like to work with Mark? Learn more and apply at bit.ly/worklg How much student debt is there? How did Robert earn his first dollar? How did Robert’s article get...

In this episode, we ask: Who is Tom Hegna? What was Tom taught at a young age? What about savings? What about a Math Party? What’s the problem? What needs to change? What does retirement mean for Tom? Are you getting any younger? Can you take any of it with you? What does Tom think...

In this episode, we ask: When was your moment? Who is Sean Morrissey? Have you heard the podcast Landlording for Life? Who is Sean leading? What about buy and hold real estate? What is leading with lifestyle? What does financial freedom mean for Sean? What happened when banks lowered the line of credit? What happened...

In this episode, we ask: Would you like to work with us? Visit bit.ly/worklg Is this your moment? Would you like to learn how to combine the Bank on Yourself® strategy with Profit First? Who are Brandon and Amanda Neely? Can you build the wealth you really want? What’s Amanda and Brandon’s story? How many...

In this episode, we ask: We are hiring! Want to work with us? http://bit.ly/worklg Does it sound absurd? How is this possible? What is Overton’s window? What are the six steps? What are the limits and the range? What about mad libs? What about farmers? How did the idea of taxes begin to change? What about...

In this episode, we ask: Would you like to be the owner? What about assets? Who is Kevin Greer? Who works with Kevin? What’s the craziest thing Kevin’s seen? What about families inheriting properties? What about estates and life insurance death benefits? How does Kevin acquire properties for BankFinancial? What’s the big difference for a...

In this episode, we ask: Who is Lane Kawaoka? How did Lane start his portfolio? What does Lane like to purchase? What about “recession resistant” properties? Why did Lane choose real estate? What is Lane’s opportunity fund? What about litigation protection? How does that work in each state? What about retirement plans or qualified money? What...

In this episode, we ask: Would you like to hear a LIVE workshop Mark did with Roger Blankenship of the Flipping America Real Estate Investment Association? Who has the deal funding power? Is it possible to cut out mortgage companies? What was the biggest wake up call of Mark’s adult life? What are the three strategies...

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

The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future

In this episode, we ask: What do you call a … ? Are all financial professionals right for your needs? How many designations and credentials are available for financial professionals? What about the CPA? What about the CFA? What about enrolled agents? What about the CFP®? What about Mark’s CFP®? What about a generalist designation?...

In this episode, we ask: Why would insurance companies offer the products for Bank on Yourself® whole life insurance type policies? Who is Matt Berman? What is Foresters Life Insurance and Annuity Company? How is a member different than a customer? What is a fraternal benefit society? How is the Foresters experience different than a...

In this episode, we ask: What if some information changed the trajectory of your life? What if you knew? What about your family? Who is Matt Shanlian, and what does he do everyday? What is happening with this pandemic? What happened with the mortgage marketplace? What happened with Fannie and Freddie? Are the lenders busy?...

Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement (The Retirement Researcher Guide)

In this episode, we ask: Any T.S. Elliot fans? What would happen if…? What issues do you want to change? Why is it hard? Do you have your scuba gear? What about the word “sin”? Why do we miss a target? What about the “perfect” filter? What about King Arthur and the knights of the...

In this episode, we ask: Once upon a time, did you cut up a credit card? What about six year term loans on cars? What about consumer debt? Where are we now? Are Americans drowning in debt? What’s the difference between the last recession and now? What’s the bright side of the pandemic? What has...

In this episode, we ask: Who is David C. Barnett? How did David get into private money lending? How does David look for deals that help improve the borrower’s business? What’s David’s story? What about doing financial deals? What about commercial debt brokerage? What did the limited power attorney allow David to learn? Do we...

In this episode, we ask: Who is Gene Guarino? What is the Residential Assisted Living (RAL) Academy? What is it about an idea that’s time has come? What is the silver tsunami of seniors? What about the boomers? Have you experienced a family “event”? What do parents want and need? Who needs help with Activities...

In this episode, we ask: Have you had an income disruption this year? Would you like to cultivate another stream of income? Who is Jim Cockrum? What was little kid Jim’s first business? What about more traffic? What about the opportunity? What is the community that Jim has built? What are the success stories? What...

In this episode, we ask: How do you pandemic proof your money? How do you antivirus your money? Who are the Amazon Legends? What are the opportunities to pandemic proof your money? What’s the brand new game? Who wants to build real wealth? Is market turbulence going away? What are the problems with our mindset?...

In this episode, we ask: Should you save more money? Has retirement planning changed? What is the responsibility? What three things do you need to do during retirement years? What about risk? What about sequence of return risk? What about the risk of longevity? What about the risk of inflation? What about generating an income...

In this episode, we ask: Who is Joe Overfield? How did Joe make his first dollar? How many siblings does Joe have? What sort of work does Joe do with Intelliplan Financial? What about legacy? What is the legacy builder binder? If you were to pass away tomorrow, would your spouse know all of the...

In this episode, we ask: Do you have a crystal ball? Who is David McKnight? Have you read David’s book, The Power of Zero? Have you seen The Power of Zero: The Tax Train is Coming? Will tax rates be dramatically higher than they are today? What’s the disconnect between belief and action? What about the...

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The Power of Zero, Revised and Updated: How to Get to the 0% Tax Bracket and Transform Your Retirement

In this episode, we ask: Who is Ros Kaspi? What’s her story and background? What were people telling Ros? What caused Ros to change tracks? Where did Ros find her opportunity? What caused Ros to go out as an entrepreneur? What about yoga? What about a retreat? What about a bed and breakfast? What did...

In this episode, we ask: Has your family or your business been impacted by the current events? What is happening with the unemployment numbers? What are many Americans concerned about? What are the statistics? What is the CARES Act? What is new with CARES Act that was passed this spring? Is this tax advice? Are...

In this episode, we ask: What is raw land investing? Who is the Land Geek, Mark Podolsky? What is solo economic dependency? What does Mark Podolsky teach to his students? How does Mark Podolsky pull passive income from raw land? What can you learn about property taxes? What do the comps say? What’s a “margin...

Dirt Rich: How One Ambitiously Lazy Geek Created Passive Income in Real Estate Without Renters, Renovations, and Rehabs

In this episode, we ask: Is whole life insurance super boring? How might you super charge your coverage with riders? Have you heard Episode 142? Have you heard Episode 143? What is a rider? How might you learn what riders are appropriate for you? Would you like us to review your riders? Schedule a Time...

In this episode, we ask: Can you imagine? Can you see the raw material? Who is Marty Smith? Who is Security Mutual Life? What is unique about the combo rider? What about the 7 pay test? What about the modified endowment contract (MEC) limit? What is an all base premium? How is it determined? What...

In this episode, we ask: When I say the word rider, what comes to your mind? What about riders on legal documents? What is the legal definition? How does life insurance deal in the world of contracts? What are augmented, modified whole life insurance contracts? Have you heard Episode 6? How do certain riders maximize growth?...

In this episode, we ask: Are you ready for an episode from the clubhouse? Where does money come from? What is a budget? Why is it important to save money? What sort of things can money do? Does age matter, when it comes to budgeting? Are you a policy owner? Are you in danger? Are...

In this episode, we ask: Who is Krisstina Wise? What is Krisstina’s philosophy? What is the alternative mindset? What about an unconventional approach to real wealth? What do you prefer? What about financial products? What are the top 10 steps for being financially immune? Who is this for? Who is this not for? What about...

Falling for Money: How to Have a Lifetime Love Affair with your Finances

In this episode, we ask: What about deferred interest? What about playing the game? What happens when you combine knowledge and action? Is money difficult to learn? What happens when the market tanks? What is our biggest money mistake? How are budgets like a musical instrument? How do you budget your cashflow first? What are...

In this episode, we ask: What about the top of the pyramid? Who is Marc Lichtenfeld? What is the Oxford Income Letter? What about boxing? What’s the athlete’s perspective? How much preparation do you need? What is a perpetual dividend raiser? What is a stock dividend? What might companies do with ample free cash flow?...

You Don't Have to Drive an Uber in Retirement: How to Maintain Your Lifestyle without Getting a Job or Cutting Corners

In this episode, we ask: Did that escalate quickly? Is there a precedent for where we are today? What happened in March 2020? When was the last time this sort of swing happened? Have you ever seen these sorts of swings? What records have we witnessed? What is the VIX index? How high is the...

In this episode, we ask: What’s the name of the game? Are we seeing “garden variety” volatility? Does buy and hold work? Have you heard Episode 51? Have heard Episode 52 and Episode 53 with Les Himel? Where does our money live? Which financial ride would you rather take (see table below)? Where do you put...

In this episode, we ask: Are bonds safer than stocks? Are you rethinking your philosophy towards finances? Do you watch financial advice on TV? What is a blend of stocks and bonds? Why do people believe in the blend of a 60/40 split? What is asset allocation? What does it mean when something is negatively...

In this episode, we ask: Do you know we’re so thankful for your questions? What happens if you get into a lawsuit with a life insurance policy? Who is Sarry Ibrahim? What did Sarry learn from working with retirees? How did asset protection become a focus for Sarry? Are you exposed to things you can’t...

In this episode, we ask: Who are Derek and Amy Baker? How did Derek earn his first dollar on the horse farm? How did Amy earn her first dollar while camping? When did they start thinking beyond the employee mindset? How did thinking about paying for college motivate them? What sort of real estate investments...

In this episode, we ask: Would you like a better sense of control and purpose? Why does anyone do the thing that is not in their best interest? Is there a lack of information? What controls our unconscious? How many of our decisions come out of our unconscious? What beliefs do you have about money?...

In this episode, we ask: Have you watched something that is binge-worthy lately? Who is Dustin Mathews? How did Dustin’s out of body experience affect him? What about Dustin’s mission? What about education around money and entrepreneurship? What is WealthFit? What sort of courses do they offer? How do you evaluate the word wealth? What is...

Rich Dad Poor Dad (What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not!)

Grit: The Power of Passion and Perseverance

In this episode, we ask: Are storage units going to be around awhile? Who is Kris Benson? What about the trading time for money model? How did Kris get into real estate? How did Kris niche down? Where are the markets for self storage? How many self storage units are there? What mindset do people...

In this episode, we ask: Have you heard the saying, “When you point a finger at someone, you have three more fingers pointing back at you?” What does Wall Street say? Does Wall Street fit the definition of a scam? What did Holly Johnson say in The Simple Dollar article entitled Four Reasons Whole Life Insurance...

In this episode, we ask: What are the core reasons why Bank On Yourself® is the real deal? Who is The White Coat Investor, Dr. Jim Dahl? What did he write about Bank On Yourself®? What did Ted Benna, the father of the 401(k), say? Where is Ted Benna parking his money? What are Ted Benna’s...

Financial Independence in the 21st Century - Life Insurance * Utilize the Infinite Banking Concept * Complement Your 401K - Retirement Planning With ... Peace by Dwayne Burnell (2012-06-01)

Babe Ruth Replica The Hartford Life Insurance Policy Application w/ 8x10 Photo - MLB Autographed Miscellaneous Items

How Privatized Banking Really Works - Integrating Austrian Economics with the Infinite Banking Concept

Pirates of Manhattan

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

In this episode, we ask: Have you been listening to us for awhile? Do you know how much we appreciate you? What is the definition of the word scam? Were you first skeptical when you heard of Bank on Yourself®? Is Bank on Yourself® a scam? Are critics thinking clearly? What are Mark’s credentials? Does...

In this episode, we ask: Who is Chris Prefontaine? Who works with Chris? How does Chris work with his son Nick? How might one buy real estate on terms? What is a lease purchase? How does a lease purchase affect the homeowner? What is owner financing? About how many homes are free and clear in...

Real Estate On Your Terms: Create Continuous Cash Flow Now, Without Using Your Cash Or Credit

The New Rules of Real Estate Investing: 24 Leading Experts Reveal Their Real Estate Secrets

In this episode, we ask: Who is Brant Greathouse? What is TrueStar Capital? Are you interested in not so average real estate? Why is affordable housing so important? How much of the population can spend only $500/month or less on housing? What is intriguing about mobile home park investing? What is “renting dirt”? What is...

In this episode, we ask: What is the SECURE Act? How does this act affect retirement accounts? What about the fiduciary safe harbor? What’s important about 72 years old? What is a stretch IRA? Did you hear the episode on required minimum distributions? Would you like to hear an example? What about taking distributions on...

In this episode, we ask: Are you ready for this new decade? Who are the money gurus? Do these money gurus have some special secret to managing money? Do you believe that you are unlucky in money? Who will provide us the key? Why do we yearn to have what’s on the other side? Do...

In this episode, we ask: What is a Required Minimum Distribution (RMDs)? What happened when you put your income into the deferred tax account? How will the tax be paid? When will the tax be paid? What is built into the Internal Revenue Code? When do Required Minimum Distributions become payable? What about age 70.5?...

In this episode, we ask: Are you ready? What is the most wonderful shopping season? Would you like to retire right now? What is it we’re talking about when we talk about money? Can you meet your life goals without money? Should we put money in the stock market and wait? What are taxes going...

In this episode, we ask: Do you remember what happened in 2008? What did JAMA say about “Wealth Shock”? Who is Moneeka Sawyer? How does Moneeka manage a multimillion dollar business? How does Moneeka choose bliss? What did Moneeka experience as a very young person? How did Moneeka breakthrough? What did Moneeka learn from her...

Choose Bliss: The Power and Practice of Joy and Contentment

In this episode, we ask: Who is Dan Proskauer? How did Dan triple his net worth? How long has it taken Dan to triple his net worth? How many years has Dan been keeping up with his net worth in Quicken? What was the first thing that Dan did with his policy? How many Bank on...

In this episode, we ask: Is it better to give than to receive? What drives us to help others? Are we hard wired to be selfish? Why do we take care of the most vulnerable? How might we cooperate? Are we only out for survival? Why does it feel so good to help other people?...

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

**CORRECTION – in the episode we state that 85% of your benefit is taxed. To clarify, 85% of your Social Security can be exposed to taxation at whatever your tax rate is. For example if your Social Security monthly benefit is $1000/mo, $850/mo of that would be exposed to your tax rate, (which might be 20%...

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

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

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

In this episode, we ask: What has Amanda learned as a sample of one? Who are Brandon and Amanda Neely? What is Mark’s relationship with Brandon and Amanda? If we did something different, what would the results be? Would you like to follow along with the numbers? (See tables below) Would you like to watch...

In this episode, we ask: Would you like to leave us a review? Do you experience panic moments? Have you ever felt panic around a policy loan? Have you heard Episode 34? How exactly does a policy work? Would you like to discuss this with us? What happens when you take the first loan out?...

In this episode, we ask: Has your crystal ball come in the mail yet? Do you have a line of credit? Do you have a business collateralized loan? Who is Scott Plamondon? Have you heard the Grandma’s Wealth Wisdom podcast with Brandon and Amanda Neely? When did Scott join the Air Force? When did Scott...

In this episode, we ask: What is the sunk cost fallacy? What is loss aversion? What is the status quo? Are you knee-deep in something? What did Christopher Olivola say? Do you ever sit through a movie you don’t like? Do you ever finish a low quality book? What did the Journal of Behavioral decision...

In this episode, we ask: What are the four categories? Have you taken an inventory of your life? What are the potential places to improve? Are you taking advantage of all opportunities in tax savings? What can you do to control your cash flow on a monthly basis toward how you’re paying off debt? Can...

In this episode, we ask: Who is Tim Austin? When did Tim start learning about money? When did Tim become a financial advisor? What did Tim learn from his dad? What did Tim learn from his grandmother? What did Tim have to tell his grandmother? What is the 10/10/10 rule? What are orphan clients? What...

In this episode, we ask: Would you like to join us LIVE on Saturday, September 7, 2019 at 1PM-2PM Central Time? Register Now! Do most Americans have savings? Have you heard Episode 84? What is the government going to do with the national debt? What mostly interests most financial planners? Where can you put money?...

In this episode, we ask: Would you like to join us LIVE on Saturday, September 7, 2019 at 1PM-2PM Central Time? Register Now! Is it best to Buy Term and Invest the Rest? Would you like to fill out our feedback survey? What is the greatest asset in your portfolio? How has your family structure...

Would you like to join us on our live show on September 7, 2019 at 1PM Central Time? (See details below) Would you like to take our 90-second survey? Who is Wendy Warhcolik? Who is Scott Moody? How did Scott and Wendy meet? What inspired the Family Prosperity Index? What is your state’s tax burden?...

In this episode, we ask: Would you like to join us for a live show on Saturday, September 7, 2019 1PM Central Time? See connection details below! Would you like to take our 90-second survey? Have you engaged estate planning? What does an estate plan do? What do you want to pass on? Have you...

Entrusted: Building a Legacy That Lasts

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In this episode, we ask: How might we teach our kids about money? How many adults received financial education from their parents? What was Holly’s experience in childhood? What was Mark’s early experience with money? Why are parents overly secretive about money? What was the public school system designed to do? How might you break...

In this episode, we ask: How might we say thank you? Do you know how highly we recommend our producer, Larry Fleming? What were the origins of Lake Growth Financial Services? How did the podcast come about? What makes this podcast so much better than an email full of answers? What’s your favorite episode? What...

In this episode, we ask: Have you heard of fear setting (instead of goal setting)? Is emotional reactivity a helpful financial strategy? Are you white knuckling the financial rollercoaster? What did Seneca the Younger say? What if there was a benefit to suffering in our imagination? What if there is courage to exploring your own...

In this episode, we ask: How does college funding relate to retirement? What’s Ryan’s story? How much do we have in student debt? What are the increases on tuition and fees? Can paychecks keep up with the costs? What happens if things don’t turn out as planned for a student? Is college worth it? What...

In this episode, we ask: What does this podcast mean to you? Let us know by leaving us a message and we may include it on our 100th episode! Have you visited speakpipe.com/nyafp? Leave us your answer, in your own words, in an audio message? Please record yours before 5PM CT July 15! What did...

In this episode, we ask: Are you willing to leave us an audio message, for our upcoming Episode 100? What’s occurred to you since listening to our podcast? What has this podcast meant to you so far? Would you be willing to leave us an audio message? Have you ever wondered how profitable banks are?...

Debt: The First 5,000 Years,Updated and Expanded

Becoming Your Own Banker: Unlock the Infinite Banking Concept

Becoming Your Own Banker

In this episode, we ask: Can you believe it? What’s changed for you since listening to our podcast? What has this podcast meant to you so far? Would you be willing to leave us an audio message? Who was Nelson Nash? Have you read Nelson’s book, Becoming Your Own Banker? Would you like to read Becoming...

Becoming Your Own Banker: Unlock the Infinite Banking Concept

Becoming Your Own Banker

In this episode, we ask: What is Krisstina Wise’s story? What did Krisstina learn from Real Estate? Is there a ceiling to income? What happens when people make a lot of income but are consistently broke? What is more fun that making money? What did Krisstina learn from a medical emergency? What is Krisstina’s philosophy...

Falling for Money: How to Have a Lifetime Love Affair with your Finances

In this episode, we ask: Do you have giant piles of cash? What are the six circumstances? Did you listen to Part 1, Episode 92? What is the answer to last episodes cliffhanger, the third unique way? What is a single premium policy that allows you to add more money after the initial premium? What...

In this episode, we ask: What are the six major reasons why people put lump sumps into Bank on Yourself type policies? What about paying off debt? What is the debt snow bank method? What about finding a new place for your safe money to live? What about an instant inheritance? What about protecting from...

In this episode, we ask: Can you say ca-ching? What are the risks of a giant pile of cash? What are the four key challenges facing all savers today? What about the low interest rate environment? Have you been successful in saving for retirement? What is a required minimum distribution? How do we pay for...

In this episode, we ask: Which would you prefer? Do you like golf? What financial products can you blend or couple together for amazing outcomes? Where is your “hole in one”? What is a Single Premium Immediate Annuity? What is a strategy for leveraging lump sums? Have you heard Episode 80? Can you rollover money...

In this episode, we ask: Who is Paul Moore? What happened with Paul in December 2007? How did Paul GIVE his way out of debt? When did Paul get into real estate? How can you activate a 2.5x multiplier effect on a property? What is the power of commercial real estate? What about mobile home...

The Perfect Investment: Create Enduring Wealth from the Historic Shift to Multifamily Housing

In this episode, we ask: Who is Jordan Goodman? Where is financial education? How do people behave around the stock market? What happens with debt? What incentives are there to save? Is debt fueling the economy? What has changed with the new tax law? What books has Jordan written? How do we refinance car loans?...

In this episode, we ask: What is the greatest wealth building opportunity while paying taxes? Do you get a tax refund each year? Have you listened to Part 1, Episode 86? Is your cash accessible? Do you have the flexibility with a repayment schedule? What happens if you don’t pay a life insurance policy loan...

In this episode, we ask: How about peace, sanity and satisfaction? How do you pay your taxes? After you’ve cut down your obligation, what then? When did withholding start? What are all of the ways you can pay for something? What is opportunity cost? See Episode 13 How much do you truly pay in taxes?...

In this episode, we ask: What do you think about where taxes are headed in the future? What does the society of actuaries say? What does “tax deferred” mean? Does it matter if you take taxes out now or later? How much of your retirement account will be there for income in retirement? What does...

In this episode, we ask: What does THEIRS stand for? When did the income tax begin in the U.S.? Why was the income tax established? How can you save taxes legally? What can you do? What options do you have? Are taxes currently high or low? What were the tax brackets in 1929? in 1940?...

In this episode, we ask: How much peace and financial stability can you have? How do oceans and rivers work together? How do we benefit from systems? Are annuities good for liquid access? How can we solve immediate cash needs? Where could you possibly keep an OCEAN OF MONEY? How does a Bank on Yourself...

In this episode, we ask: What is the goal or function of your money? What is important for your money for you? What do you want your money to do for your children and your legacy? What is a Fixed Indexed Annuity with an Income Rider? Have you heard Episode 23? How much went into Fixed...

In this episode, we ask: What did the MarketWatch article say about annuities? How are annuities related to the market? How are annuities related to the insurance industry? What is a Fixed Indexed Annuity (FIA)? What are the additional benefits? What’s the term on an annuity? How can you learn more about annuities? What are...

In this episode, we ask: Is it a good idea to purchase an annuity? What did Barron’s say about annuities? What changes do newer annuities offer? Can a younger person purchase an annuity? What did Jack Bogle say? Are you ready for jargon? What is an immediate annuity? What did Mark see at the Oriental...

In this episode, we ask: What is a necessary risk? What is an unnecessary risk? Do you need a side hustle? How do we manage risk? Where do we need to go from here? What is FINRA? What are the 21 categories of risk from FINRA? What are the two types of risk? What is...

In this episode, we ask: Who is Bill Rainaldi? What is Social Security? When was it started? How much of your income is withheld from your pay for Social Security? How does Medicare factor in? What is the average Social Security income? Can you rely on Social Security in retirement? How long do you have to work...

In this episode, we ask: What are people saying? What is the purpose of having multiple streams of income? How can you get income with Real Estate? What are REIT dividends? What are the advantages and disadvantages with REIT dividends? What about rental income? What are private equity funds? What about becoming a shareholder in...

In this episode, we ask: Have you ever considered having 16 streams of income? Who is Ryan Reger? What are his income streams? What tool does Ryan use for productivity? Is passive income common? Where should someone start? What can someone do who doesn’t have a passion or skill? What are the things you can...

In this episode, we ask: What are people saying? Would you like a free book? What about debt? What is Dave Ramsey’s debt snowball method? How much can you squeeze your lifestyle down to? What is the debt avalanche method? What is the best course of action? What is The Debt SnowBank Method™? Is it...

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

The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future

In this episode, we ask: What are people saying? Would you like to leave us a review on iTunes? Do you have ideas for future episodes? Does whole life insurance insurance stink? Is “buy term and invest the difference” a better idea? Why are high commissions a problem? What are the alternatives? How much will...

In this episode, we ask: Have you heard about the Seven Baby Steps? How does Dave Ramsey forego logic? Who sponsors Dave Ramsey? Are annuities worth Dave Ramsey’s disgust face? Why does Dave Ramsey’s advice stay written in stone? Are you an avid follower? What are the baby steps? Have you saved $1K in an...

In this episode, we ask: How do you buy stuff? Would you like to meet us in person? What staircase are you climbing? How do you fund large capital purchases? What are some benefits? What does conventional purchasing look like? What is the debtor’s or borrower’s staircase? What do you have after you pay back...

In this episode, we ask: Would you like to learn how to pay tax in the very best way possible? Can someone turn lead into gold? How do we know if we’re wasting our time? How do we test our assumptions? Does the chemistry in your portfolio allow for resilience? Who let monkeys pick stocks?...

In this episode, we ask: What are people saying? Would you like a free book? Are you interested in increasing your income? Why do new year’s goals / plans fail? Is your goal realistic? Are you burning out? Is your goal too time consuming? Is your goal too limiting? Are you cutting out too much?...

In this episode, we ask: Would you like to give us a review on iTunes? We’d love to hear from you! Would you like a book? What do you talk about for hours on end? Do you see money differently? Who is the hero in your story? What should you take on your journey? What...

In this episode, we ask: Can you hear the jingle of the bells? Why are we so stressed at the holidays? What drives people to take policy loans? What does Amanda Neely say about strategically navigating the holiday season? Do you have an emergency fund? Do you have a feeling of abundance? How can you...

In this episode, we ask: What is the history of Whole Life Insurance? Who are some notable personalities who have harnessed life insurance? How far back does life insurance go? What was a burial club? How does this affect widows and children? Who is John Graunt? What did he figure out? Who is Edward Lloyds...

In this episode, we ask: Do you find value in this podcast? Would you like to leave us a review on iTunes? Where are your eggs? Where is your basket? What is sophisticated diversification? Should you diversify? What does FINRA say about risk? Where did the idea of diversification come from? What does Warren Buffet...

In this episode, we ask: What happens when people hear the words “life insurance”? How long does a death benefit last? What does Whole Life Insurance provide that Term Insurance does not? What is cash value? What about high commissions paid to an agent? Where did the slogan “Buy Term and Invest the Difference” originate?...

In this episode, we ask: Who do you know who would find value in this podcast? What is Madison Avenue known for? What are the stats for Black Friday? How much do people actually spend on Black Friday? Is the Black Friday revenue increasing? Are you shopping on Black Friday? Are people really shopping for...

In this episode, we ask: Who are Brandon and Amanda Neely? Grandma’s Wealth Wisdom Podcast What is the F.I.R.E. strategy? What does F.I.R.E. stand for? How does one know they’re F.I.R.E.d? How do you calculate your freedom number? What are the pros of people going for this strategy? What are the downsides of F.I.R.E. ?...

In this episode, we ask: Where do we start? Do you have one of these policies? What should you think through? Who to call? What are the questions to ask? 1. What are my current fees? 2. What are the maximum fees you can charge me? 3. Are there caps? Are the caps changeable? 4....

In this episode, we ask: Should you keep or buy a Universal Life (UL) insurance policy? What are Universal Life (UL) insurance policies? What are the variations of Universal Life (UL)? Are Universal Life (UL) illustrated values over optimistic and misleading? What are the guarantees on the guaranteed illustration on the UL? How long is...

In this episode, we ask: Are you ready for a new way of thinking about your life and your money? What if there was a relatively new life insurance product that lets you share in a portion of the gains in the market and protects you from the market when it tanks? What is Indexed...

In this episode, we ask: What are people saying? How can being your own source of financing make you more competitive? Who is Danny Stock? What is Danny’s story? What challenges did Danny overcome? What happened when Danny met Mark? Who is going to control the banking function? What is the Bank on Yourself concept...

In this episode, we ask: What are people saying? What are the realities of the modern day business owner? How do entrepreneurs affect our economy? Who drives the innovations and the revolutions that we take for granted? What does Mark love about business owners? What’s the difference between a thermometer and a thermostat? What’s the...

The Pension Idea

In this episode we ask: Who is Teresa Kuhn? Where did her journey begin? What did Teresa find on her search for the truth? What book did Teresa find that changed her mindset? What did Teresa’s Dad say after reading four of her book suggestions? What did Teresa learn as she read about the Federal...

In this episode, we ask: What are banks? How do banks work? What happens when you put your money with a bank? Is a checking account safe? What about interest bearing savings account? If you put ten thousand dollars into the interest bearing savings account, how much do you get credited to your account? What...

In this episode, we ask: When are the appropriate scenarios for taking a policy loan? Are you thinking like a banker? Do you want your income to equal your premium? What are the rules of thumb? When should you use a policy loan? Would it take you more than six months to save for that?...

In this episode, we ask: If compounding stumbles, do we gain or do we lose? What troubles has Les Himel experienced with Wall Street? What is macrodiversification? What is microdiversification? What about mutual funds? What about bonds? What about stocks? How do we improve on a portfolio? How do we turn our portfolio into a...

In this episode, we ask: What has Les Himel learned in his 28 years on Wall Street? What are the myths of standard conventional wisdom? What are the rules of thumb we should always be able to rely on? Can you get 10% or more per year in the market? How much lower will taxes...

In this episode, we ask: Should you buy and hold index funds? Should you buy and hold ETFs? What is buy and hold? What did Einstein say is the 8th wonder of the world? Have you been influenced by this idea of buy and hold? Have you ever been told to “stay the course” in...

In this episode, we ask: What is the opposite word for fragile? Have you read the book Antifragile by Nassim Taleb? What is fragile? What is robust? What is antifragile? What happens when harm is involved? Is there more upside or downside? Do we learn from our mistakes? How does this apply to the financial system?...

Antifragile: Things That Gain from Disorder (Incerto)

In this episode, we ask: Who is winning? Why are the banks winning? How much are we saving, according to the Economic Policy Institute? What’s the real, the median rate of savings for American families? Is $5,000 dollars enough for total family savings? When did we become a nation of debtors? What is the median income...

Debt: The First 5,000 Years,Updated and Expanded

In this episode, we ask: Is it possible that you’ve been told something that isn’t true? What is the 10/10/10 rule? What about 10 percent to short term needs? What about 10 percent to anticipated mid-term needs? What about 10 percent to long term retirement planning? How the heck can I save 30% of my...

In this episode, we ask: How are YOU your greatest asset? Can you commit to investing in yourself? How do you help yourself build a larger income? How do you advance yourself? How can you be more disciplined? Do you pay attention? Are you depreciating yourself? Do you live cheap? Do you live within your means? Do...

In this episode, we ask: Why do we do what we do? Who writes financial “infotainment” articles? Why aren’t finances commonly taught in school? Who are the guides along your path who are looking out for you? How do you take action with the information you learn? How do you get unstuck? How do you...

Stick with It: A Scientifically Proven Process for Changing Your Life-for Good

In this episode, we ask: What do emotions have to do with money? Did you know that people spend more when they’re sad? Have you heard of tulip mania? How does shame or fear play into buying decisions? How does greed affect us? What about buy-and-hold index funds and strategies? What about the emotions with...

In this episode, we ask: How does the banker’s mindset change everything? What does a banker think about all day long? What is a “system” of policies? Why do bankers save cash? Do you remember Scrooge McDuck? When does the banker’s mindset go into full gear? What is the limit of the number of insurance...

In this episode, we ask: How much should we put on each person? Should it be 50/50? 60/40? 0/100? Is the cost of insurance more expensive for two policies (instead of one)? Would it be cheaper to put it on the healthier partner? Would it be most efficient to put it on the younger partner?...

In this episode, we ask: What drew Keith Usiak into real estate investing? When did Keith purchase his first house? second house? third house? What tips does Keith have for anyone looking into real estate investing? What is a real estate association? What did Keith learn in the military that has helped him in real...

In this episode, we ask: How does Real Estate work with Bank on Yourself®? How is this like combining nitro and glycerine? What does it take to combine real estate and Bank on Yourself®? What is OPM (other people’s money)? How does OPM affect your profits? How does OPM affect bank profits? How does the...

In this episode, we ask: What’s the definition of an asset? Is your home an asset or a liability? What’s the definition of a liability? Is your home an asset or a liability? Is your investment property an asset or a liability? Since we have to live somewhere, what would be some not-so-average ways of...

In this episode, we ask: How do you view your home? What were you taught about home equity? How does home equity play a part in retirement planning? Should you make an extra mortgage payment? Should you pay off your home on a 15 year mortgage? How much did home values raise in 2002-2006? How...

In this episode, we ask: What are our clients excited about? Who is Christine? What did Christine see her family and friends go through? What was Christine’s first reaction when she heard about Bank On Yourself? How does Christine use her Bank On Yourself policy? What does Christine think is the best feature of a...

In this episode, we ask: What are our clients getting excited about? How have our clients been utilizing their Bank On Yourself solutions? How have our clients invested in Real Estate? How have our clients increased their income? How have our clients worked within their family structures? How have our clients paid their taxes? How...

In this episode, we ask: How expensive are the different financial products? What are the most expensive financial products? Are you surprised to hear the commissions financial advisors receive? Why are most fees so hard to find? Is it a crime to be paid? Why shouldn’t we get our retirement plans for free? Who pays...

In this episode, we ask: What are the biases with insurance? What misunderstandings exist? What’s the truth? Why does anyone have a bias against anything? Where do we hear information? Is this information in line with reality? What about my family member’s experience? How many mutual funds are out there? Why do people have completely...

In this episode, we ask: Do you have a question on every single page of a new policy? How many pages are in your contract? What is the guaranteed values table on a life insurance contract? Wait, so you’re saying there are zero dollars in cash value the first five years?! What’s going on here?...

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

In this episode, we ask: What is a life insurance policy loan? If I’m trying to be debt free, why go back into debt with an insurance company? Are life insurance loans just like a credit card or a mortgage? Isn’t a life insurance loan just like a personal loan? How does your cash value...

In this episode, we ask: What is debt? What are some of the common judgement calls about debt? What are some religious thoughts around debt? What did Solomon say about power? What is the year of Jubilee? Does debt lead to intergenerational slavery? Are you more likely to be in debt if your parents are...

In this episode, we ask: What is the “Rich People’s Roth?” Are there required minimum distributions (RMDs) on ROTH IRAs? What other elements make up a ROTH IRA? What accounts have contribution limits? What accounts can you contribute to tax free and take distributions tax free? What’s smaller? The seed or the harvest? Would you...

In this episode, we ask: Is there someone at the IRS who you’re particularly fond of? Do you have more than one beneficiary on your IRA or 401(k)? What did we mention over and over in our last episodes? Are taxes likely to go UP or DOWN in 2025? What changes can we anticipate? What...

In this episode, we ask: What is going on with the new tax law (the Tax Cuts and Jobs Act)? What’s new with personal taxes? What does the tax code encourage? Where are the tax breaks? How is the effective tax rate different from the marginal tax rate? How does this affect the Mortgage Interest...

In this episode, we ask: What does the Wall Street Journal say about qualifying for student aid? What is a 529 plan? How does it affect aid on the Federal level? When colleges set up their own aid? How do financial aid officers look at 529 funds? How do they treat it? Do you know...

In this episode, we ask: If college aid is so complicated, why are we expected to do this on our own? Can an accountant help with college planning? How do I find a college funding specialist? How is paying for college like flying on an airplane? What’s Holly’s story with flying? What key questions should...

In this episode, we ask: What are the four main sources of college aid? What does the Federal Government offer? What does a work study program offer? What about Stafford and Perkins loans? Who borrows money on these loans? Which loans require cosigning? What happens if your kid quits school or the kid doesn’t find...

In this episode, we ask: If you have a sophomore in high school, how much will college cost for a 4 year public university? How does this affect your unique situation? What are the biggest concerns of college planning? What are the deadlines? What mistakes are common? How much time does the college planning process...

In this episode, we ask: How is “retirement” or receiving passive income like climbing a mountain? How many people make it up Everest? What is it like coming down a mountain? How do we take this finite amount of money and make it last for this unknown number of years? What are the secrets of...

In this episode, we ask: Is income important to you now? Do you see your future self as a stranger? How much do you need coming in? What is the first thing you need to do? What are your expenses? What income do you currently have? Do you qualify to receive Social Security? Will Social...

In this episode, we ask: What are the possible streams of income in retirement? What can you build up now, so you can rely on them later? Would you like passive income? What is passive income? What about passive income from Social Security? What about defined benefit plans? What about personal savings / investments? What...

In this episode, we ask: Does your birthday fall between 1946 and 1964? How much of the American population is in the Baby Boomer generation? Which Americans qualify for retirement? Are you ready for retirement? Will you have enough cash (for basic living expenses)? Will you have to work longer? Are Boomers prepared for retirement?...

In this episode, we ask: Do you need a budget? How much is in the bank? What reaction do you have to budgeting? How do you keep your budget fluid? How do you use a budget? How can you be successful with a budget? What is a state of flow? Are you single and budgeting...

In this episode, we ask: At your age? At that income? With that health problem? What if I don’t make enough money to start planning? How much should I save? How do you overcome the paycheck-to-paycheck cycle? When will you make the most income? Is whole life insurance terrible? Does the death benefit on whole...

In this episode, we ask: Fast forward 29 years – how’d it turn out for George and Sam? What are the long term effects of the decisions they’ve made earlier? How did Opportunity Cost, Liquidity and Interest work out for George and Sam? Who is DALBAR? What information do they report? As of this year,...

In this episode, we ask: Are you ready to join us fireside for a story? What opportunities bring interest, opportunity cost and liquidity together? As you listen to the parable of the two brothers, what do you notice? How are these twin brothers, George and Sam, the same? How are they different? What does George’s...

In this episode, we ask: What is liquidity? How do loans affect your liquidity? How does liquidity affect cash needs in an emergency? How does your rate of return affect all of your investments? How does detail orientation affect financial planning decisions? How do we zoom out and think about this from a big picture...

In this episode, we ask: What is interest anyway? What is the difference between compound interest and simple interest? How does compounding frequency affect an account? When is compound growth a problem? What did Albert Einstein say about compound interest? How does compound interest take affect? Where do most people look for compound growth? What’s...

In this episode, we ask: What is opportunity cost? How does it affect you? How does opportunity cost work? Small cost! What could a $5 cup of coffee today truly cost later? When does opportunity cost affect you the most? When you are younger or older? Medium cost! What could a new phone truly cost...

In this episode, we ask: What did we get wrong? What did we get right? What is Holly’s story with money? What promise did Holly make to herself? What book influences Holly profoundly? What are Holly and her husband doing with their finances now? What breakthrough did Holly experience? What is Holly thankful for? What...

In this episode, we ask: Was the 401(k) meant to be the primary vehicle for retirement? Is there more risk early on in a 401(k) or toward the end or retirement phase of the 401(k)? How have the 401(k)s improved our retirement outlook? What guarantee does the 401(k) present? (Hint: it’s a four letter word.)...

In this episode, we ask: Who are the parties involved in your 401(k)? What does each party receive? Are you serving pie at your party? How many dollars are in rotation in the 401(k) industry? On average, how many fees are in a 401(k)? What fee did Holly find in the fine print of her...

In this episode, we ask: Why the buzz on the 401(k)? Who is Nobel Prize winner, Harvard University Professor Emeritus, Robert Merton and what is he saying about retirement plans? What happened to good, old-fashioned pensions? What is a 401(k) plan, exactly? When was the first 401(k) started? What did Katrina find when she googled the...

In this episode, we interview Pamela Yellen, the author of the Bank On Yourself® Revolution. Here are some the questions we talk about: How financially literate are Americans? How many people have taken Pamela’s famous financial literacy quiz? What did they score? What’s your score? What shifted personally for Pamela when her and Larry started their...

The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future

In this episode, we interview Pamela Yellen, the author of the Bank On Yourself® Revolution. What is the Bank On Yourself® method? What does it allow? What are most people “banking” on? How can you become your own source of financing? What did Pamela learn from the most elite, top three financial planners and money managers? What does...

The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future

In this episode, we ask: How nerdy can we be? What financial asset has increased in value every year for the last 160 years? Why, in the early 20th century, did 50% of Americans have their savings in life insurance products? Does your financial planner have to use Google to answer your questions? What is...

In this episode, we ask: How do we combat financial challenges? What needs to be in place? What characteristics must be present for a solid foundation? How do I protect my money? Where do I put money, when I need it for an upcoming purchase? How do we keep money flexible? Which products check all...

In this episode, we ask: Does a perfect financial solution exist? What do you want your money to do for you? Where do you want your money to live? What did Mark learn in his research of financial products? What are our preconceived notions about money? If Katrina was “Pope of Money” for the day,...

In this episode, we ask: Will you or your partner live to age 93? What’s the rate of Health Care costs increasing in the U.S.? Are people working as long as they’re living? Where is it written that we have to money into vehicles that we can’t control? access?

In this episode, we ask: What happened to saving? How many of American households are prepared for a $400 emergency expense? How many Americans are saving for retirement? What about credit card debt? What is the primary reason couples divorce? What’s the average amount of income that goes towards financing and debt payments?

Welcome! In this episode, we ask: Has Wall Street and Retirement Planning Failed? Who is Mark Willis? Holly Bach? Katrina Willis? How much did Wall Street really make over the last three decades? How much did the average investor in equity mutual funds earn over the last three decades? More!