Wade Borth - Sage Wealth Strategy: Recent Episodes

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Executive Summary Wade Borth revisits Robert Kiyosaki's Cashflow Quadrants and picks up a thread the book never finishes: every quadrant, employee, self-employed, business owner, or investor, still depends on a bank. Wade argues the real shift isn't earning more new money, it's taking permanent control of the old money already flowing through your life. He lays out how a properly structured whole life policy lets you step into the banking function yourself.

Key Takeaways * Every side of Kiyosaki's Cashflow Quadrant, employee, self-employed, business owner, or investor, still runs through a bank somewhere. * Most people chase new money instead of gaining control of the old money already passing through their hands. * Nelson Nash's Becoming Your Own Banker hinges on one word: becoming. It's a shift in thinking before it's a shift in dollars. * A properly structured whole life policy lets you use the insurance company's money, not your own, while your cash value keeps compounding. * Wade's exercise: of every dollar that will ever flow through your life, how much do you want permanent control over?

Links and Resources * Sage Wealth Strategy: sagewealthstrategy.com

Keywords Cashflow Quadrant, infinite banking concept, be your own banker, whole life insurance, cash value, policy loans, permanent control of money, family banking, guaranteed asset, generational wealth, financial liquidity, liquidity bucket, Nelson Nash, Robert Kiyosaki, Sage Wealth Strategy, Wade Borth podcast, old money vs new money, banking function, mutual carrier, dry powder

Episode Highlights * [00:02:00 - 00:03:00] Wade unpacks Nelson Nash's core lesson: the real challenge in Becoming Your Own Banker is who you need to become. * [00:04:00 - 00:05:00] Wade breaks down why Kiyosaki never fully explains where whole life insurance fits inside the Cashflow Quadrant. * [00:06:00 - 00:07:00] Wade explains why banks sit in the middle of every transaction, profiting whether you're a saver or a borrower. * [00:07:00 - 00:08:00] The distinction between chasing new money and controlling the old money already in your hands. * [00:08:00 - 00:09:00] Wade lays out the shift: replace the banker in your life with yourself. * [00:11:00 - 00:12:00] Why policy loans let you use the insurance company's money instead of your own, while your cash value keeps growing. * [00:16:00 - 00:17:00] The $100,000 exercise: how much of the money that flows through your life should you actually control?

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Summary Recorded from the lake, Wade Borth uses a fishing analogy to talk about goal-setting and purpose: you won't catch fish by dropping the boat in the water and drifting, you have to start the motor and steer toward a specific spot. The same is true for financial and professional success.

Wade explains why so many agents and clients have never been asked to define success, encourages listeners to set specific, time-bound goals, and reminds them the path will shift along the way. He frames his own role as a "problem identifier" who empowers people once they know what they're aiming for, and closes with a caution against FOMO thinking, chasing the same crowded goals everyone else is chasing instead of finding your own unfair advantage.

Key Takeaways * Success starts with a destination. Drop the boat in the water without a direction and you drift, you don't arrive. * Most agents and clients have never once been asked to define what success actually looks like for them. * Set specific, time-bound goals, then revisit them every week or two. The plan will shift, and that's expected. * Wade sees his role as a "problem identifier" who empowers people with clarity and the right tools, not someone who hands them answers. * Avoid the crowded fishing spot. Chasing the same goal as everyone else (like the standard 401k) rarely produces an uncommon result.

Links and Resources Sage Wealth Strategy: sagewealthstrategy.com

Keywords define success, goal setting, financial goals, purpose driven, infinite banking concept, be your own banker, generational wealth, family legacy, Wade Borth, Sage Wealth Strategy, financial liquidity, guaranteed asset, whole life insurance, wealth strategist, business owner goals, insurance agent coaching, financial purpose, intentional decisions, problem identifier, unfair advantage

Episode Highlights * [00:02:00 - 00:03:00] Wade asks a group of agents what their goal is, and most say they don't have one. * [00:03:00 - 00:04:00] The fishing spot analogy: you don't drift to a desired location, you steer to it. * [00:04:00 - 00:05:00] A client wants to turn a lifetime of built assets into income instead of growth. * [00:05:00 - 00:06:00] Wade defines his role as a problem identifier, not a problem solver by force. * [00:08:00 - 00:09:00] Why so many agents and clients have simply never been asked to define success. * [00:10:00 - 00:11:00] An example goal: a $30 million net worth in five years, and why naming it changes your brain. * [00:11:00 - 00:12:00] The tools and thinking that got you here won't get you to the next stage. * [00:13:00 - 00:14:00] Parkinson's Law applied to goals: without one set, everything counts as success. * [00:16:00 - 00:17:00] The crowded fishing spot: why chasing what everyone else is doing rarely pays off.

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Summary Wade Borth is recording from the lake this week, and it gets him thinking about purpose, patience, and where people store their money. He shares a story about fishing with his son Josh and compares the pressure to fish once you've made the trip to the pressure people feel to invest cash the moment it's sitting in a bank account.

Wade introduces the "boat lift" analogy: money in a properly funded whole life policy is sheltered, growing, and protected, so you're never forced to deploy it before the timing is right. He walks through the guaranteed death benefit, tax advantages, and liquidity that come with a properly structured policy, and challenges the idea that "cash is trash."

Key Takeaways * Money sitting in a properly funded whole life policy is like a boat on a lift: safe, protected, and ready to go the moment conditions are right. * Feeling obligated to "put cash to work" the moment it's available often leads to bad financial decisions, the same way fishing in bad weather rarely pays off. * "Cash is trash" ignores the difference between money with nowhere to go and money parked in a guaranteed asset that's already compounding. * A guaranteed asset gives you liquidity, tax advantages, and a death benefit at the same time, so your family has a paycheck even if you're not there. * Building a financial war chest means you can deploy capital fast when the opportunity is real, instead of forcing a decision because the money is just sitting there.

Links and Resources * Sage Wealth Strategy: sagewealthstrategy.com

Keywords infinite banking concept, be your own banker, whole life insurance, cash value, liquidity bucket, dry powder, guaranteed asset, family bank, financial war chest, policy loans, death benefit, mutual carrier, generational wealth, external rate of return, financial liquidity, Wade Borth, Sage Wealth Strategy, intentional investing, financial discipline, protected capital

Episode Highlights * [00:02:00 - 00:03:00] Wade shares a fishing story with his son Josh about seizing opportunity when conditions are right. * [00:03:00 - 00:04:00] Wade compares feeling obligated to deploy money to feeling obligated to fish once you've made the trip. * [00:04:00 - 00:05:00] Wade introduces the boat lift analogy for money sitting safely in a properly funded whole life policy. * [00:05:00 - 00:06:00] Wade challenges the phrase "cash is trash" using Warren Buffett's cash reserves as a counterpoint. * [00:07:00 - 00:08:00] Wade lists the benefits of a properly funded policy: guaranteed death benefit, compounding growth, tax advantages, and liquidity. * [00:10:00 - 00:11:00] Wade asks listeners how many days their family would have a paycheck if something happened to them. * [00:12:00 - 00:13:00] Wade closes with the Devil's Lake story and a challenge to build smarter financial fishing habits.

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SUMMARY Robert Kiyosaki's Cashflow Quadrant maps out four types of people in the money game: employees, self-employed workers, business owners, and investors. It's a powerful framework, but Wade Borth argues it's missing one critical player: the banker.

In this episode, Wade breaks down who actually controls the money game. No matter which quadrant someone occupies, they all need access to liquidity. The person providing that liquidity, whether it's Wells Fargo or a private individual with a pool of capital, holds the real power. Wade explains how anyone can begin building their own banking function, step into that role, and make their money work for them.

KEY TAKEAWAYS * The Cashflow Quadrant maps four roles (employee, self-employed, business owner, investor) but overlooks the most powerful player: the person providing liquidity. * Every quadrant depends on access to capital. The person supplying that capital controls the money game. * You don't need to be Wells Fargo to act as a banker. A private pool of capital, lent at a cost, creates genuine passive income. * Real wealth isn't about earning more money. It's about making existing money work harder through the banking function. * Breaking old money habits is the hardest part. Most people were conditioned by scarcity-era habits formed before they had any net worth to protect.

LINKS AND RESOURCES Sage Wealth Strategy: sagewealthstrategy.com

KEYWORDS Cashflow Quadrant, Robert Kiyosaki, be your own banker, banking function, infinite banking concept, IBC, passive income, liquidity, financial freedom, family bank, whole life insurance, cash value, private lending, generational wealth, Sage Wealth Strategy, Wade Borth, pool of capital, financial control, business owner, investor

EPISODE HIGHLIGHTS * [00:06:08 - 00:07:34] Wade reveals the overlooked player in the Cashflow Quadrant: the banker, the person who provides liquidity to all four roles. * [00:08:21 - 00:09:23] Wade explains how General Electric uses everyday investors as their banker by floating bonds on the open market. * [00:11:13 - 00:12:27] Wade breaks down how anyone can step into the banking function and create true passive income, regardless of which quadrant they occupy. * [00:16:17 - 00:17:52] Wade shares the story of a house flipper in his mid-30s who shifted one profit into a pool of capital and now earns 15% interest lending to other investors. * [00:19:42 - 00:20:12] Wade introduces the yellow Jeep syndrome: once you start thinking about who needs capital, those opportunities will appear everywhere.

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Summary Wade Borth takes listeners inside a recent Tough Money live event, using real data to show what financial life actually looks like for a top 10% household earning $150,000 per year. The numbers may surprise you, starting with the size of the average family's liquidity bucket.

The episode builds to a direct challenge: if you are already aware of the problem, if you have been educated on solutions, what is holding you back from taking action? Wade argues that inaction is not neutral. It carries a real cost, one that your family, your business, and your legacy will ultimately pay.

Key Takeaways * Habits inherited from parents define a financial ceiling most people never examine, let alone break through. * Most top 10% earners carry far less liquid capital than their income suggests, and that gap creates real exposure. * Wealth at every level demands different habits. Clinging to what worked before is what prevents progress to what comes next. * The proper sequence of financial decisions matters as much as the decisions themselves. Out-of-sequence choices create setbacks that compound. * Inaction has a measurable cost, one your family, your business, and your legacy will ultimately pay.

Links and Resources * Sage Wealth Strategy: sagewealthstrategy.com

• Factum Financial: factumfinancial.com

• Factum Financial YouTube Page (Tough Money live event, 45 min): Factum Financial on YouTube

• Contact Wade: wade@sagewealthstrategy.com wade@factumfinancial.com

Keywords financial inaction, cost of not taking action, wealth building habits, liquidity strategy, infinite banking concept, whole life insurance, family legacy planning, be your own banker, generational wealth, cash value life insurance, proper financial sequence, financial fear, family banking, business succession planning, Nelson Nash, financial independence, Sage Wealth Strategy, IBC practitioner, liquidity bucket, Wade Borth podcast

Episode Highlights * [00:01:22 - 00:02:05] Wade explains how habits inherited from parents define the financial ceiling most people never break through. * [00:02:05 - 00:03:21] The awareness-education-action pyramid, and why action is the hardest step for even the most educated listeners. * [00:03:21 - 00:05:16] Wade walks through what a typical top 10% household looks like financially, and why the liquidity number is smaller than people expect. * [00:07:27 - 00:09:27] The climbing rope analogy: every level of wealth requires letting go of the habits that carried you to the last level. * [00:09:27 - 00:12:07] The financial junk drawer. Too many choices with no clear sequence creates paralysis, not progress. * [00:12:07 - 00:14:46] If you're aware, if you're educated, and you still don't act, what are the real consequences to your family and business? * [00:16:30 - 00:19:02] Solving the problem costs pennies. Not solving it costs dollars. Wade shows why the math always favors taking action.

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Summary

Most people know Medicare costs money in retirement, but few understand how much their income level affects what they actually pay. In this episode, Wade Borth unpacks IRMAA, the income-related surcharge that can quietly add $162 to $650 or more per month to your Medicare premiums, depending on what you earn.

Wade walks through who gets hit, what counts as income in the calculation (including surprises like municipal bond interest and Social Security), and how a single dollar over the threshold can cost you hundreds of thousands of dollars over time. He also explains how properly structured whole life insurance creates an income stream that falls outside the IRMAA calculation, giving retirees a meaningful planning advantage.

Key Takeaways

• IRMAA can add hundreds of dollars per month to Medicare premiums, and a single dollar over the income threshold triggers the full surcharge with no gradual phase-in.
• Every dollar of the surcharge has a compounding cost. That extra $162 per month, grown at 4% over 20 years, is worth nearly $60,000 in real wealth.
• Income sources many people overlook in the IRMAA calculation include capital gains, Social Security income, municipal bond interest, rental income, and Roth conversions.
• IRMAA looks back two years, so a one-time income spike follows you into retirement longer than most people expect.
• Properly structured whole life insurance, when funded correctly, provides an income stream through policy loans that does not count toward the IRMAA calculation, giving retirees real choices when managing retirement income.

Links and Resources

• Sage Wealth Strategy: sagewealthstrategy.com

Keywords

IRMAA, Medicare premiums, income-related monthly adjustment amount, retirement planning, Medicare Part B, Medicare Part D, retirement income, whole life insurance, infinite banking concept, IBC, policy loans, capital gains in retirement, Roth IRA withdrawals, 401k withdrawals, Medicare surcharge, retirement mistakes, Wade Borth, Sage Wealth Strategy, wealth erosion retirement, family banking

Episode Highlights

• [00:00:00 - 00:01:32] Wade opens with a lunch conversation where a friend approaching retirement had no idea how IRMAA would affect his Medicare costs.
• [00:05:15 - 00:08:17] Wade explains the $218,000 joint income threshold and how IRMAA brackets step up in full increments, not gradually.
• [00:08:18 - 00:09:21] One dollar over the threshold adds $162 per month to a couple's Medicare premium, a 40 percent increase with no phase-in.
• [00:09:22 - 00:12:24] At a 4 percent growth rate, that extra $162 per month is worth $60,000 over 20 years. At the top bracket, the 20-year cost reaches $238,000.
• [00:12:25 - 00:17:03] Wade walks through every income source factored into the IRMAA calculation, including capital gains, Social Security, municipal bond interest, and Roth conversions.
• [00:17:04 - 00:19:35] HSA distributions and Roth IRA withdrawals do not count toward IRMAA, creating real planning flexibility for retirees who hold these assets.
• [00:19:36 - 00:23:46] Properly structured whole life insurance policy loans fall outside the IRMAA calculation, giving retirees an income source they can draw from without triggering the surcharge.

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Summary This is part 3 of our series. What if your quarterly tax bill could become a retirement engine? In this episode, Wade sits down with Rohit Punyani, founder of The Owner's Asset, to unpack the pension strategy most business owners and their advisors overlook. The conversation covers the sequence of financial planning, the psychology of guaranteed income, and how to combine IBC with a defined benefit pension to fund whole life insurance and annuities at wholesale pricing through tax deductions.

Ro and Wade also break down who qualifies, what the first conversation looks like, and how a $1.8 million deduction can create an $11 million estate planning shield. The message is clear: structure your capital in the right order, and the numbers take care of themselves.

In our previous episodes, we dive in into lots of other topics:

In part 1 Wade Borth and Rohit Punyani explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here

In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Check part 2 of this conversation in here

Key Takeaways * Sequence matters more than the total amount of capital. IBC is the foundation, a pension adds whole life and annuities with pre-tax dollars, and markets or real estate come after. * Guaranteed income removes the scarcity mindset in retirement. People with income live abundantly; people drawing down assets tend to pull back every time the market dips. * If your liquidity does not scale with your wealth and income, your financial plan is fragile. * Business owners paying $20,000 to $30,000 or more in quarterly estimated taxes may qualify for a defined benefit pension that turns a tax liability into a retirement asset. * Life insurance and estate planning can be layered inside a pension structure, allowing business owners to manufacture significant liquidity at a fraction of the out-of-pocket cost.

Links and Resources * sagewealthstrategy.com * Part 1: Six Figures Off, Seven Figures Built * Part 2: Your Business Owes You a Pension

Keywords pension strategy for business owners, defined benefit pension, tax arbitrage, infinite banking concept, IBC, whole life insurance, annuities, guaranteed income retirement, cash value life insurance, Wade Borth, Rohit Punyani, The Owner's Asset, business owner retirement planning, 1099 retirement strategy, self-employed pension, estate planning life insurance, family banking, financial liquidity, cash flow retirement, scarcity mindset retirement

Episode Highlights * [00:01:45 - 00:02:25] Ro explains why capital structure matters as much as total capital, and how starting a $40,000 annual policy in your forties generates six-figure cash flow by your seventies. * [00:03:05 - 00:04:06] Wade and Ro align on the need for a process that wins every time, and Wade introduces the sequence framework: how you pack your bags going up the hill determines how you come back down. * [00:05:27 - 00:06:24] The 2016 LIMRA annual report and the 2005 Wall Street Journal article 'Friends, Neighbors, and Annuities' show that people with annuities live longer and carry less financial stress. * [00:06:25 - 00:07:10] Wade references Tom Hegna's principle: people with income are happy, people with assets are miserable. A real client story about a market dip derailing a boat purchase brings it to life. * [00:10:25 - 00:11:25] Ro shares his epiphany as a former chief investment officer and credits Wade with the principle: if your liquidity does not scale with your wealth, your plan is fragile. * [00:13:26 - 00:15:02] Ro walks through who qualifies for a pension, what the first conversation looks like, and why roughly 30 percent of inquiries are not yet in the model's sweet spot. * [00:17:28 - 00:18:15] Ro describes how a pension structure enabled estate planning for a 70 and 68-year-old couple: $1.8 million in deductions created an $11 million estate planning shield. * [00:18:34 - 00:19:23] Wade and Ro clarify who should reach out: self-employed individuals on 1099, K-1, or W-2 from their own S corp, making quarterly estimated tax payments of $20,000 or more.

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Summary In part 1 Wade Borth and Rohit Punyani, founder of The Owner's Asset, explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here

We continue this episode in part 2, as most business owners know they should be saving for retirement. What they don't know is how much the tax code has stacked the deck in their favor. In this episode, Wade and Rohit Punyani of The Owner's Asset dig into who a cash balance plan actually works for, why older business owners have the biggest advantage, and how to run a pension and a 401(k) together for maximum effect.

Rohit also breaks down one of the most underused strategies in retirement planning: depositing required minimum distributions into a seasoned whole life policy to convert taxable income into accessible, non-taxable cash flow. If your business has been funding the IRS instead of your future, this conversation is for you.

Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance. Check part 3 of this conversation in here

Key Takeaways * The ideal candidate: a stable business with consistent taxable income, quarterly estimated payments above $20,000 to $30,000 per quarter, and at least some active K-1, S-corp, or 1099 income. * After age 52 or 53, the IRS tables allow deductions that can exceed your active income. A 60-year-old with $100,000 in side income may be able to deduct $250,000. * A pension and a 401(k) can and should coexist. The 401(k) stays in the market for growth. The pension funds your guaranteed safety-first income. * The pension contribution is a top-line deduction. A $200,000 contribution on $1 million in revenue means the IRS taxes you on $800,000, and it can drop you into a lower marginal bracket. * Required minimum distributions should never be spent directly. Depositing an RMD into a seasoned whole life policy and drawing on the policy's cash value can convert a $40,000 taxable distribution into $100,000 or more of accessible, non-taxable cash flow.

Links and Resources * sagewealthstrategy.com * Part 1: Six Figures Off, Seven Figures Built

Keywords cash balance plan for business owners, who qualifies for a pension, K-1 income retirement, 1099 pension plan, self-employed retirement planning, age advantage cash balance plan, RMD strategy whole life insurance, infinite banking RMD, required minimum distributions whole life, pension and 401k together, business owner tax deduction, Wade Borth, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, solopreneur retirement, cash flow vs income IRS, top-line deduction, talent retention pension, small business pension plan

Episode Highlights * [00:04:35 - 00:05:46] Rohit defines the ideal candidate in human terms: a stable business writing quarterly estimated tax payments above $20,000 to $30,000 that could instead be flowing into a pension. * [00:07:20 - 00:08:36] The age advantage: after 52 or 53, you can deduct more than your active income. A 60-year-old with $100,000 in side income can potentially deduct $250,000 and erase a tax bill entirely. * [00:11:05 - 00:11:28] The 401(k) and pension should coexist. Stay in the markets with the 401(k). Use the pension to buy your safety-first guaranteed income. * [00:13:48 - 00:14:53] Top-line deduction explained: a $200,000 contribution on $1,000,000 in revenue means the IRS taxes you on $800,000, and it can push you into a lower marginal tax bracket. * [00:17:56 - 00:19:20] The catch-up concept: after years of building a business without contributing to retirement, a cash balance plan lets you redirect $200,000 to $300,000 a year and rebuild what was missed. * [00:21:29 - 00:25:43] The RMD strategy: take a $40,000 distribution, deposit it into a seasoned whole life policy, use the policy's 3x to 4x release to pay taxes and keep the rest, turning $22,000 of after-tax income into $102,000 of cash flow.

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Summary Most business owners know that taxes are their biggest expense. Fewer know there is a legal, IRS-approved way to redirect that money into a guaranteed retirement asset. In this episode, Wade sits down with Rohit Punyani of The Owner's Asset to walk through cash balance plans, the modern business owner's version of a pension.

Rohit explains how owners with active income can take deductions of up to $300,000 per year, how whole life insurance can be purchased inside the plan with pre-tax dollars, and how the plan can eventually feed an infinite banking strategy. If you are tired of writing tax checks, this conversation shows you where that money could go instead.

In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Check part 2 of this conversation in here

Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance. Check part 3 of this conversation in here

Key Takeaways * Business owners with active income can deduct up to $300,000 per year through a cash balance plan, compared to the $23,500 cap on a 401(k). * The two bookends of retirement planning are the 4% rule (market-based probability) and the safety-first school of thought (guaranteed income). A well-designed plan draws from both. * A cash balance plan allows you to purchase whole life insurance with pre-tax dollars, one of the very few ways to do so in the entire tax code. * The money earmarked for taxes is already leaving your world. The only question is whether it goes to the IRS or into a guaranteed retirement asset. * A policy funded inside a pension can later be moved out and used for infinite banking, giving you both the tax deduction and the long-term liquidity.

Links and Resources * sagewealthstrategy.com * Part 2: Your Business Owes You a Pension

Keywords cash balance plan, defined benefit plan, tax deduction for business owners, retirement planning for business owners, infinite banking, whole life insurance, guaranteed retirement income, pension plan for small business, 4% rule, safety-first retirement, pre-tax life insurance, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, Wade Borth Podcast, business owner tax strategy, generational wealth, cash value life insurance, death benefit, liquidity

Episode Highlights * [00:02:21 - 00:03:02] Rohit delivers the core promise: a six-figure tax deduction for a seven-figure guaranteed retirement, and explains why taxes are every business owner's biggest leakage. * [00:11:13 - 00:12:31] The 4% rule explained, including what success actually looks like: having one dollar left the day you die. * [00:13:05 - 00:15:33] Wade explains the safety-first school of thought and why transferring longevity risk to a life insurance company changes the retirement equation. * [00:22:10 - 00:24:02] The first two differences between a cash balance plan and a 401(k): deduction limits ($300,000 vs. $23,500) and the ability to purchase whole life inside the plan with pre-tax dollars. * [00:24:54 - 00:25:15] Wade and Rohit land the key insight: the money is already leaving. The only question is where it goes. * [00:25:37 - 00:26:28] The fourth and most compelling difference: the policy can be pulled out of the pension and used for infinite banking.

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Episode Summary In this episode of Wade Borth Podcast, Wade Borth and Beth Reich tackle one of the most common reactions people have when they first hear about Infinite Banking and whole life insurance strategies: "This sounds too good to be true."

Wade breaks down why skepticism around alternative financial strategies is natural, while also challenging listeners to examine the traditional banking and retirement systems with the same level of scrutiny. The conversation explores the difference between guaranteed assets and speculative investments, the role of liquidity during economic downturns, and why education and intentionality are essential when making financial decisions.

Throughout the episode, Wade emphasizes that Infinite Banking is not about chasing unrealistic returns—it's about building control, certainty, access to capital, and long-term financial flexibility. Beth provides the perspective of the everyday consumer, asking the questions many listeners are already thinking: What's the catch? What are the risks? Why doesn't everyone do this?

The episode ultimately becomes a discussion about mindset, financial literacy, and the risks of inaction when it comes to personal wealth-building.

Links & Resources * sagewealthstrategy.com

Keywords Infinite Banking, Whole Life Insurance, Family Bank, Financial Freedom, Cash Flow, Policy Loans, Wealth Building, Personal Finance, Guaranteed Assets, Financial Literacy, Retirement Planning, 401k Alternatives, Liquidity, Opportunity Cost, Financial Education, Wealth Strategy, Passive Wealth, Banking System, Financial Independence, Wade Borth

Episode Highlights * 00:00–01:12 – Wade introduces the concept that money tends to flow back to people who understand how to use it effectively. * 01:12–02:15 – Discussion on the profitability and structure of the modern banking system. * 02:15–03:14 – Recommended books for understanding both the banking system and personal financial control. * 03:34–04:58 – Wade explains why more people use Infinite Banking than most realize—it's simply private. * 05:01–05:47 – The vision behind creating a "family bank" and building generational financial control. * 06:19–07:33 – Why fear often comes from not understanding financial products and outcomes. * 07:33–08:29 – Wade contrasts guaranteed assets with speculative investment returns. * 08:29–09:26 – How policy loans provided liquidity and opportunity during the 2008 financial crisis. * 09:26–10:28 – The importance of long-term thinking versus short-term liquidity concerns. * 10:28–11:17 – Wade critiques the passive "set it and forget it" mindset around 401(k)s. * 11:18–12:35 – The difference between arguing and genuinely wanting to learn. * 13:46–14:58 – Wade answers the question: "What's the biggest risk with whole life insurance?" * 14:58–16:07 – The hidden cost of inaction and lost financial opportunity over time. * 18:58–20:06 – Common financial results come from common financial behavior. * 22:02–22:57 – "A confused mind takes no action" — Wade explains why education matters more than selling.

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Episode Summary

In this episode of the Wade Borth Podcast, Wade Borth sits down with assistant Beth Reich to tackle one of the most common reactions people have when hearing about Infinite Banking and whole life insurance strategies: "This sounds like a scam."

Through an open and candid conversation, Wade explains why skepticism often comes from misunderstanding how whole life insurance works, the stigma surrounding insurance products, and the prevalence of financial misinformation online. He emphasizes that Infinite Banking is not a "get rich quick" scheme, but rather a long-term financial system built on discipline, intentionality, and education.

The discussion explores the difference between empowerment and dependency in financial planning, how policy loans have existed since the 1800s, why mutual insurance companies operate differently from Wall Street-driven institutions, and how individuals can regain control over the financing function in their lives.

This episode serves as both an introduction and a reality check for listeners curious about Infinite Banking, whole life insurance, and personal financial sovereignty.

Links & Resources * sagewealthstrategy.com

Keywords Infinite Banking, IBC, whole life insurance, financial education, financial freedom, policy loans, mutual insurance companies, personal finance, wealth building, cash flow, banking system, financial empowerment, skepticism, financial literacy, money mindset, long-term wealth, life insurance strategies, financial control, Wade Borth, policy cash value

Episode Highlights * 00:00–01:16 – Wade introduces the episode and explains the goal: addressing the "unasked questions" many listeners have about Infinite Banking and whole life insurance. * 01:16–02:22 – Beth discusses how online comments often label the strategy as "a scam" or "too good to be true." * 02:22–04:23 – Wade explains that there is "no magic in this business, just a lot of magicians," emphasizing transparency and financial empowerment. * 04:23–06:17 – Wade explains that Infinite Banking requires intentionality, discipline, and understanding—not an "easy button." * 06:17–07:23 – Discussion about financial incentives and how money managers profit whenever money moves. * 08:39–10:17 – Beth asks whether stigma around insurance products contributes to skepticism surrounding whole life insurance. * 10:17–12:05 – Wade explains how mutual insurance companies operate for policyholders rather than shareholders. * 12:05–13:25 – Wade breaks down the concept of paying premiums versus receiving a larger death benefit. * 14:03–15:30 – Wade explains that whole life insurance is not an investment, but a professionally managed bond and real estate portfolio. * 15:30–16:33 – The history of policy loans is discussed, dating back to 1848. * 16:33–17:27 – Wade describes Infinite Banking as "the opposite of get rich quick"—a long-term wealth-building process. * 18:15–19:06 – Wade discusses how people should evaluate whether a financial strategy truly serves their goals. * 19:06–20:39 – Conversation about skepticism versus curiosity and the importance of open-minded learning. * 22:21–24:48 – Discussion about how modern media amplifies both education and misinformation around financial concepts. * 25:47–28:23 – Wade explains the historical origins of banking and references The Creature from Jekyll Island when discussing centralized banking systems.

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Summary What would happen if $5 million suddenly landed in your bank account today? Would it change your life for the better—or quietly destroy it?

In this episode, Wade Borth explores a powerful and often overlooked truth: money doesn't create success—it amplifies who you already are. Without the right mindset, habits, and financial framework, even large sums of money can disappear quickly, leaving families worse off than before.

Through real-life experiences delivering multimillion-dollar life insurance checks, Wade reveals how lack of preparation—not lack of money—is the real problem. He introduces the concept of the "Path of Money", a simple yet powerful framework to help families manage, grow, and protect wealth across generations.

This episode is a call to action: stop avoiding money conversations and start building a financial legacy through intentionality, education, and family alignment.

Links & Resources * https://www.youtube.com/watch?v=xnrmblds0Jo * https://www.youtube.com/watch?v=9jeNtlmvceM * sagewealthstrategy.com * https://www.loom.com/share/eb55c619dbc6452d9acee8199432f243

Keywords money mindset wealth building family legacy financial literacy inheritance planning life insurance path of money liquidity financial habits generational wealth stewardship financial education infinite banking personal finance discipline wealth psychology

Episode Highlights * 00:00–00:34 – The core question: What would you do with $5 million today? * 00:34–01:02 – Why sudden wealth (like the lottery) often leads to negative outcomes * 01:02–01:28 – The idea: money redistributes based on behavior, not luck * 01:28–02:07 – The real issue: lack of systems and financial frameworks * 02:07–02:45 – Life insurance payouts: real stories of wealth disappearing quickly * 02:45–03:25 – Why money itself isn't bad—it's just a tool * 03:25–04:00 – Misconception: "I don't want to leave money to my kids" * 04:00–04:42 – Introducing the Path of Money framework * 04:42–05:18 – The danger of defaulting to spending without thinking * 05:18–06:04 – The importance of a "liquidity bucket" before decisions * 06:04–06:40 – Applying family values to financial decisions * 06:40–07:22 – Money amplifies behavior: discipline vs. chaos * 07:22–08:05 – Helping vs. handing money to the next generation * 08:05–09:14 – Why money conversations must happen openly in families * 09:14–10:22 – Teaching habits early: small lessons → lifelong impact

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🎙️ Episode Summary Have you ever felt like everyone else is getting the best investment opportunities — except you?

Market downturns happen. Crypto dips. Real estate deals surface. And somehow… you're watching from the sidelines.

In this episode, Wade Borth explains why.

It's not because others have a secret playbook. It's not because you're not smart enough. It's not even about access.

It's about liquidity and framework.

The difference between chaos and opportunity is often one thing: access to cash with a plan.

Wade shares a client story about a disciplined saver who had built significant reserves — yet still felt financial pressure. The problem wasn't a lack of money. It was a lack of clarity about how much was enough.

Once they defined his burn rate and established a one-year liquidity target, everything changed.

He didn't just feel safe. He felt free.

This episode is about building a structure that protects your family first — and gives you a permission slip to invest second.

🔗 Links & Resources * sagewealthstrategy.com * https://www.youtube.com/watch?v=mqFjV_yhiO4

🔑 Keywords Liquidity

Burn Rate

Investment Framework

Financial Certainty

Cash Access

Opportunity Investing

Market Downturn Strategy

Wealth Building

Financial Freedom

Permission Slip Investing

Emergency Fund Strategy

Scarcity vs Abundance

Real Estate Investing

Crypto Investing

Financial Confidence

🔥 Episode Highlights 00:00–00:30 – Why it feels like everyone else gets the deals

00:00:46–00:01:08 – The difference between opportunity and chaos

00:01:26–00:01:50 – Why most people feel financial anxiety

00:02:06–00:02:26 – The two-step solution: security first, opportunity second

00:02:41–00:03:21 – Client story: disciplined saver with financial pressure

00:03:21–00:03:58 – Determining how many days of liquidity are enough

00:04:15–00:04:33 – Realizing he had twice the liquidity he needed

00:04:33–00:04:50 – The "permission slip" to invest

00:05:08–00:05:26 – Building investment criteria around personal values

00:06:19–00:06:37 – The life jacket analogy: protect first, prosper second

00:06:59–00:07:13 – When accumulation becomes clarity

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🎙️ Episode Summary In this deeply personal episode, Wade Borth clarifies what he really means by "liquidity."

After releasing a previous episode on burn rate and days of liquidity, someone asked him a simple question: "What's liquidity?"

That question sparked this conversation.

Liquidity isn't jargon. It's simple:

Do you have enough cash — or access to cash — to sleep at night?

Wade shares the story of being unexpectedly let go in 2009. The panic. The physical reaction. The scarcity mindset. And then the turning point — realizing he had access to cash through his policies.

That access didn't eliminate the problem. It eliminated panic.

Liquidity bought him time. Time created clarity. Clarity allowed better decisions.

This episode is about certainty in uncertain moments — and why accessible cash changes everything.

🔗 Links & Resources * sagewealthstrategy.com * https://www.youtube.com/watch?v=mqFjV_yhiO4

🔑 Keywords Liquidity

Cash Access

Financial Certainty

Emergency Funds

Burn Rate

Scarcity Mindset

Financial Stress

Income Loss

Whole Life Policy

Money & Peace of Mind

Financial Anxiety

Cash Flow Strategy

Financial Resilience

Wealth Strategy

Decision-Making Under Pressure

🔥 Episode Highlights 00:00–00:29 – Recap of burn rate and liquidity conversation

00:00:50–00:01:29 – What liquidity actually means (no jargon)

00:01:29–00:01:52 – Stress, uncertainty, and unhealthy decision-making

00:02:35–00:03:58 – The day Wade was unexpectedly fired in 2009

00:03:58–00:04:37 – Physical reaction to income loss (panic mode)

00:05:16–00:05:37 – Joshua 1:9 and finding strength in uncertainty

00:06:13–00:06:35 – Calling the insurance company to check available cash

00:06:35–00:06:58 – Realizing he had 6–10 months of liquidity

00:07:58–00:08:17 – "Cash buys you time to breathe."

00:08:33–00:08:53 – The two most important times you need liquidity

00:09:10–00:09:27 – Why everyone needs to know their liquidity number

00:10:07–00:10:25 – Turning crisis into growth through certainty

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🎙️ Episode Summary In this episode, Wade Borth breaks down a powerful yet surprisingly simple framework to eliminate financial pressure: understanding your burn rate and calculating your days of liquidity.

Instead of complex financial strategies, Wade focuses on clarity through simplicity. By knowing exactly how much you spend daily and how much accessible cash you have, you can determine how many days you could survive without income.

This isn't about budgeting. It's about buying time. It's about certainty. It's about sleeping at night.

Wade explains how most financial anxiety stems from not knowing your numbers — and how once you do, you can move from scarcity-based decisions to freedom-based decisions.

🔗 Links & Resources * sagewealthstrategy.com * https://www.youtube.com/watch?v=mqFjV_yhiO4 * Email - wade@sagewealthstragey.com with the subject "Burn Rate" to get a copy of the spreadsheet & we can review it together.

🔑 Keywords Liquidity Burn Rate Financial Pressure Emergency Fund Cash Flow Savings Strategy Financial Clarity Money Mindset Financial Freedom Wealth Building Sequence of Investing Financial Security Personal Finance Certainty vs Scarcity Income Protection

🔥 Episode Highlights 00:00–00:34 – Why financial pressure keeps you up at night

00:00–01:02 – Simplicity creates clarity (not complexity)

00:02:28–00:03:06 – "Do I actually know my numbers?"

00:05:37–00:06:17 – Calculating your burn rate (Annual expenses ÷ 365)

00:06:38–00:07:14 – Why liquidity matters more than investments in a crisis

00:08:12–00:08:40 – Example: $78,000 liquid cash = 262 days of security

00:09:58–00:10:16 – Most people have less than 30 days of liquidity

00:10:54–00:11:15 – Setting a target: 365 days of liquidity

00:11:15–00:11:39 – Why freedom comes after certainty

00:11:55–00:12:14 – Making investment decisions from confidence instead of fear

00:13:09–00:13:28 – The key question: How many days can you survive without income?

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Episode Summary In this episode of The Wade Borth Podcast, Wade Borth and frequent guest David Zapata recap their experience attending the Nelson Nash Institute Think Tank in Birmingham, Alabama — a gathering of Infinite Banking Concept (IBC) practitioners focused on preserving Nelson Nash's legacy and advancing financial education.

Rather than discussing tactics alone, the conversation explores deeper themes revealed during the event: the human side of money, the importance of community, and why both financial professionals and clients struggle with the same three core challenges — loneliness, lack of systems, and absence of guidance.

Wade and David unpack how Infinite Banking is not merely a financial product but a long-term transformation process centered on mindset, behavior, and intentional growth. The episode highlights the Think Tank's central theme — "Think Long Range" — and explains why wealth building requires decades-long thinking, clarity of purpose, and continuous personal development.

Listeners will gain insight into how financial strategies serve as tools — not goals — and why becoming your own banker is ultimately about becoming a more intentional leader in your financial life, family, and community.

Links & Resources * Connect with David Z - Infinite Banking Foundations or at davidzapata@factumfinancial.com * Connect with Wade - Infinite Banking Foundations or at wade@factumfinancial.com * *Can we attach this as a pdf? - and note if anyone wants the video accompanying the attached PDF, they should contact David Zhttps://18. LIQUIDITY STRATEGY (1).pdf

Keywords Infinite Banking Concept Nelson Nash Institute Think Long Range Becoming Your Own Banker Financial mindset Wealth building philosophy Liquidity strategy Whole life insurance strategy Community and coaching Financial education Private banking strategy Human behavior and money Financial leadership Long-term thinking Generational wealth Financial systems and processes Personal development Wealth psychology Financial independence Money mindset transformation

Episode Highlights 00:10–01:17 - Introduction and purpose of the Nelson Nash Institute recap 01:17–03:01 - What the Think Tank is and why practitioners gather annually 03:01–04:55 - Community vs. groupthink: learning through diverse perspectives 04:55–07:07 - Infinite Banking as mindset, process, and properly structured product 07:07–08:44 - Two conversations happening simultaneously: professionals and clients 08:44–10:32 - Liquidity as the root financial problem most people face 10:32–13:19 - The three shared pains of agents and clients: loneliness, systems, guidance 13:19–15:11 - Human behavior as the true obstacle in financial success 15:11–18:17 - Why coaching and community accelerate financial confidence 18:17–21:17 - "Think Long Range" and the transformation behind becoming your own banker 21:17–24:51 - Long-term relationships vs transactional financial advice 24:51–26:59 - Generational thinking and building financial foundations that last decades 26:59–28:48 - Infinite Banking as a bridge to life goals — not the goal itself 28:48–31:01 - Focusing on vision instead of financial tools and mechanics 31:01–34:10 - Personal reflections and growth through industry experience 34:10–36:28 - Improving client conversations through empathy and curiosity 36:28–38:18 - Confirming progress while recognizing room for growth 38:18–41:04 - Sequencing financial decisions and avoiding premature strategies 41:04–44:44 - Final takeaway: becoming the "chess master" of your financial life

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Summary

In the final episode with Wade, Todd, and David, the conversation shifts from philosophy to history and mentorship. Wade asks what has changed in the financial industry over the past several decades and what hasn't. Todd reflects on the early days before computers, the impact of mentors like Norman Baker, the myth of "deals" in insurance, and the importance of integrating tools—not replacing human judgment with them. The discussion highlights why math must be paired with context, conversation, and strategy in order to truly serve clients. It's a timely reminder that the future of financial advice isn't about replacing the advisor — it's about elevating them.

Episode Highlights

00:15:50 - Evolution of Industry Conversations.

00:03:18 - Addressing Industry's Adversarial Past.

00:03:52 - Life Insurance and Cash Value Benefits.

00:04:41 - Asset Flow: Evaluating Investment Synergy.

00:06:39 - Painting a Picture of Financial Sacrifice.

00:09:02 - The Importance of Asking the Right Questions.

00:11:49 - Balancing Technology with Human Insight.

00:13:25 - Challenges of AI in Financial Advice.

00:13:37 - Importance of Mentorship in Industry.

00:13:38 - Mentorship's Role in Leveraging Experience.

Episode Resources

• sagewealthstrategy.com
• About Todd And The Financial Software
• Guest Name Todd LangfordGuest Emailtlangford@truthconcepts.com
• Additional guest David Zapata davidzapata@factumfinancial.com

Keywords

• Wade Borth Podcast
• smart ideas
• new opportunities
• money management
• financial independence
• investment strategies
• insurance industry
• real estate vs stock market
• holistic financial planning
• rate of return
• asset flow
• cash value life insurance
• distribution phase
• financial software
• financial calculators
• AI in finance
• investment biases
• financial advising
• financial conversation
• client confidence
• financial mentorship
• financial industry evolution
• interest rates
• financial context
• financial education

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Summary

In part two, Todd shares the essential ideas he believes every advisor and client should understand: the difference between savings and investments, why life insurance belongs in the "certainty asset" category, how cash protects against both gray and black swan events, and why net worth isn't the real target—cash flow and distribution are. The trio explores asset sequence, liquidity, and why small strategic changes over time outperform "swinging for the fences." If you want to advise more effectively, make smarter financial decisions, or reshape how you think about money and risk, this episode is the place to start.

Episode Highlights

00:00:14 - Conversation with Todd Langford.

00:02:00 - Investment vs. Savings.

00:04:54 - Certainty in Financial Strategies.

00:06:46 - Black Swan and Grey Swan Events.

00:10:39 - Importance of Distribution Phase.

00:13:32 - Growth at the Edge of the Coin.

00:15:31 - Casino Success vs. Financial Reality.

00:11:00 - Savings vs. Rate of Return.

Episode Resources

• sagewealthstrategy.com
• About Todd And The Financial Software
• Guest Name Todd LangfordGuest Emailtlangford@truthconcepts.com
• Additional guest David Zapata davidzapata@factumfinancial.com

Keywords

• Wade Borth podcast
• financial clarity
• financial life
• Todd Langford
• industry insights
• learner's mentality
• whole life insurance
• investment vs. savings
• certainty vs. uncertainty
• real estate market
• stock market
• asset integration
• financial strategy
• distribution phase
• net worth vs. cashflow
• financial advisors
• black swan events
• gray swan events
• financial risk management
• liquidity
• rate of return
• financial planning
• Robert Kiyosaki
• financial decisions
• financial growth
• strategic plan
• financial journey

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Summary

In part one of this three-part conversation, Wade Borth sits down with Todd Langford and David Zapata — two thinkers who have been reshaping how advisors and clients approach money. Together they break down why most financial decisions are emotional rather than mathematical, why small behavioral shifts create massive compounding effects over time, and why understanding your relationship with money is foundational. From cars to Amazon purchases, to becoming the "director in your own movie," this episode shows how certainty and clarity begin with awareness, not complexity.

Episode Highlights

00:01:14 - Introduction of Todd Langford and Truth Concepts.

00:02:22 - Decision-making: Emotional vs. Mathematical.

00:03:00 - The financial impact of frequent car buying.

00:05:00 - Understanding long-term impact of decisions.

00:06:05 - The power of integrated strategies.

00:08:56 - Importance of client-centered financial advice.

00:10:09 - Emotional importance in financial decisions.

00:12:57 - Advisors' role in personalized financial planning.

00:15:34 - Small changes, big impacts: The power of compounding.

00:19:27 - Inflation awareness in financial planning.

00:21:22 - Visualization challenges in financial goals.

00:22:45 - Clients' difficulty in self-imagining future wealth.

00:24:59 - Encouragement to take control of personal finances.

00:26:18 - Conclusion and teaser for upcoming episodes.

Episode Resources

• sagewealthstrategy.com
• About Todd And The Financial Software
• Todd Langford

tlangford@truthconcepts.com

• David Zapata davidzapata@factumfinancial.com

Keywords

• Wade Borth Podcast
• financial freedom
• Truth Concepts
• industry insights
• decision-making process
• emotional decisions
• financial strategies
• long-term impact
• financial tools
• software calculations
• financial advisors
• client relationships
• personal finance
• incremental changes
• life planning
• maximum potential calculator
• retirement planning
• inflation impact
• financial habits
• director in your own movie
• small shifts

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Summary

In this episode, Wade breaks down the numbers behind America's growing retirement crisis and why so many families struggle to build meaningful retirement accounts. Instead of simply blaming market volatility or lack of discipline, he explores deeper causes—from generational inheritance expectations to the hesitation younger savers have about locking money away for 30+ years in traditional tax-qualified plans. Wade also challenges the conventional definition of "retirement," arguing that true financial freedom comes from passive income, control, and liquidity—not hitting a magic age. He outlines alternative strategies for building long-term certainty, including using properly structured whole life insurance as a savings environment, a legacy transfer tool, and a way to maintain financial privacy and control. If you're rethinking what retirement should actually look like, this episode offers a refreshing framework and a more strategic path forward.

Episode Highlights

00:00:25 - Retirement crisis: Americans' shocking savings.

00:01:09 - Passive income vs. traditional retirement.

00:02:07 - Running towards fulfillment, not away from work.

00:03:35 - Strategic planning for inheritance and wealth transfer.

00:05:05 - Conversation on financial legacy with life insurance.

00:06:11 - Hesitation of younger generations to lock money away.

00:08:04 - Alternatives to traditional retirement savings vehicles.

00:09:05 - Scary statistics on Americans' retirement savings.

00:10:08 - Saving 10-30%: Importance and alternatives.

00:11:14 - Whole life insurance as a strategic financial tool.

Episode Resources

• sagewealthstrategy.com
• https://theinsboss.com/
• https://www.youtube.com/watch?v=mqFjV_yhiO4

Keywords

• Wade Borth podcast
• financial freedom
• American retirement crisis
• passive income
• financial abundance
• life insurance
• inheritance planning
• tax-free benefits
• retirement vehicles
• retirement savings
• savings vehicles
• investment plans
• 401k
• alternative investments
• whole life insurance
• financial planning strategies
• retirement benchmarks
• income growth
• financial independence
• risk tolerance
• certainty in investments
• strategic saving

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Summary

In part two of this conversation, Wade and Suzanne White pull back the curtain on how commercial property and casualty insurance actually works behind the scenes. They explore premium financing, non-standard policies, minimum earned premiums, and the hidden costs many business owners unknowingly accept just to stay insured. Suzanne explains how a lack of liquidity forces reactive decisions, while intentional cash strategy creates flexibility, leverage, and control. This episode bridges commercial insurance planning with smarter capital management and Infinite Banking principles, showing how business owners can reduce friction, improve efficiency, and stop leaking dollars over time. If you want a clearer understanding of how insurance, liquidity, and long-term wealth strategy work together, this episode delivers the practical insight.

Episode Highlights

00:00:38 - Impact of COVID on businesses.

00:02:12 - Insurance challenges during COVID pandemic.

00:04:50 - Holistic approach to client financial strategies.

00:07:04 - Introduction to Boss Financial Group.

00:07:52 - Unique offering: Financial Foursquare system.

00:08:52 - Clarity and communication build trust.

00:09:31 - Importance of financial education.

00:10:32 - Leveraging team expertise for freedom.

00:12:54 - Role of comprehensive business valuation.

00:15:11- Distinguishing price from value in insurance.

Episode Resources

• sagewealthstrategy.com
• https://theinsboss.com/
• https://www.youtube.com/watch?v=mqFjV_yhiO4

Keywords

• Wade Borth podcast
• financial partners
• collaboration
• Suzanne White
• financial team
• multiple use of dollars
• COVID impact
• business preparedness
• insurance coverage
• SBA links
• financial planning
• property and casualty
• nonprofits
• Financial Foursquare
• business owner solution strategies
• BOSS Financial Group
• asset protection
• business valuation
• leverage
• advisor expertise
• commission-based services
• commercial property and casualty
• relationship business
• financial clarity
• business legacy
• trust in advisors

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Summary

In this episode, Wade sits down with Suzanne White to uncover one of the most overlooked pillars of financial protection for business owners: commercial property and casualty insurance. Together, they explore why P&C is often treated as a checkbox instead of a strategic foundation, how COVID exposed dangerous gaps in liquidity, and why siloed advisors leave business owners vulnerable. This conversation sets the stage for a more holistic approach to wealth, risk, and leadership—where liquidity creates opportunity instead of chaos and coordinated planning replaces fragmented advice. If you want to understand why protection, cash flow, and advisory alignment matter before a crisis hits, this episode will reshape how you think about your financial foundation.

Episode Highlights

00:00:06 - Introduction to Suzanne White.

00:01:15 - Entering the insurance industry.

00:05:00 - Creating a holistic client approach.

00:06:35 - Lessons learned from COVID.

00:07:50 - The importance of liquidity.

00:09:20 - Building a collaborative financial team.

00:13:32 - Understanding premium financing.

00:16:30 - Different policies in property & casualty insurance.

00:20:56 - Premium financing costs.

00:24:00 - Reducing insurance costs through a holistic strategy.

00:27:20 - Unseen costs in small business policies.

00:29:59 - Utilizing a super application for efficiency.

00:32:15 - Keeping insurance policies updated with business growth.

00:36:40 - The importance of focusing on your expertise.

00:38:30 - Empowerment through collaboration.

00:41:11 - Final invitation to future conversations.

Episode Resources

• sagewealthstrategy.com
• https://theinsboss.com/
• https://www.youtube.com/watch?v=mqFjV_yhiO4

Keywords

• Wade Borth podcast
• smart ideas
• new opportunities
• money
• life on your terms
• Suzanne White
• Brent White
• property and casualty insurance
• business property and casualty insurance
• commercial insurance
• infinite banking
• whole life insurance
• financial realm
• holistic client care
• business owner advisors
• liquidity
• COVID
• financial Pyramid
• team
• premium finance
• interest rates
• standard policy
• non-standard policy
• Lloyds of London
• commercial insurance premiums
• self-insuring
• deductibles
• insurance claims
• financial advisors
• super application
• risk management
• exit strategy
• business growth
• insurance agents

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Summary

In this episode of the Wade Borth Podcast, Wade and guest Kira discuss the emotional and financial journey of parents as they transition to empty nester life with a child in college. Gain insightful perspectives on balance, independence, and financial wisdom—essential for every parent facing this stage. Don't miss Kira's unique insights and Wade's seasoned guidance!

Episode Highlights

00:00:12 - Launch of Kira's Consumer Corner

00:00:25 - Discussion on Empty Nest Syndrome

00:01:09 - Importance of Interdependence

00:02:02 - Parenting an Only Child

00:05:11 - Emotional Shift: Empty Nester Challenges

00:06:07 - Financial Interdependence with College-Aged Children

00:08:08 - Balancing Protection and Independence

00:10:17- Abundance in All Aspects of Life

00:12:32 - Building a Strong Foundation for Independence

Episode Resources

• https://podcasts.apple.com/us/podcast/wade-borth-sage-wealth-strategy/id1515358066
• https://www.sagewealthstrategy.com/podcasts/

Keywords

• Wade Borth Podcast
• financial life
• Kira's Consumer Corner
• college
• freshman year
• empty nesters
• interdependence
• family dynamics
• financial preparedness
• policy loan
• life lessons
• digital safety
• abundance
• Five Areas
• parenting
• resilience
• empowerment
• foundation

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In this "Best of 2025" episode of the Wade Borth Podcast, explore transformative insights on building personal banking systems, the security of life insurance, and a real client's inspiring Infinite Banking Concept (IBC) journey. A highlight is guest Nate Scott's enlightening perspective on infinite banking stages. Essential listening for anyone seeking to redefine financial freedom and legacy building.

Episode Highlights

01:09 - Understanding Infinite Banking

03:00 - Four Stages of Whole Life Insurance

05:00 - Importance of Being a Saver

06:07 - The Financial Pressure of Being Asset Rich, Cash Poor

08:00 - Taking Control of Debt

09:56 - Wealth Acceleration and Investment Strategies

12:09 - Managing Risk in Whole Life Policies

13:34 - Institutional Level Management with Life Policies

15:50 - Managing for Death Certainty and Economic Changes

18:49 - The Legacy and Future Currency Transactions

22:00 - The Problem of Not Having Enough Money Saved

25:19 - Transitioning to Being a True Wealth Creator

28:23 - Becoming the Money Lender

33:05 - Significance of Financial Legacy and Education

37:09 - Solving the Central Problem of Access to Capital

Episode Resources

• https://podcasts.apple.com/us/podcast/wade-borth-sage-wealth-strategy/id1515358066
• https://www.sagewealthstrategy.com/podcasts/

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In today's, Wade explores the idea that what got you here won't get you where you want to go. He breaks down why rethinking your thinking is essential for growth and how "arrival syndrome" can quietly hold you back. Wade also touches on leading yourself in the Five Areas of Life, letting go of what no longer serves you, and building the right team to support your goals. A short but powerful reminder to pause, reflect, and step into who you need to become next.

Episode Highlights

01:50 - Coaching perspective on growth and success.

02:18 - Five areas of life for holistic abundance.

03:34 - Leadership in personal and professional areas.

04:39 - Revisiting the "Arrival Syndrome."

05:32 - The mountain climbing analogy.

07:01 - The importance of continuous growth.

08:22 - Growth requires subtraction.

09:23 - Letting go for future potential.

10:52 - The potential of working less for more results.

12:26 - Achieving clarity for business growth.

13:51 - The importance of delegation.

15:05 - Intensive focus vs. consistent systems.

18:56 - Identity and skill set growth.

22:00 - The concept of a Wealth Team.

24:23 - Building and using frameworks.

26:27 - Empowering personal and professional growth.

Episode Resources

• sagewealthstrategy.com

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In this episode, Wade breaks down how "financial sewer backups"—market downturns, emergencies, recessions, and income loss—can blindside families and business owners. He explains why liquidity, cash reserves, and intentional planning are the key to surviving financial crises, protecting your wealth, and finding opportunities when others panic. If you want a practical, no-nonsense guide to building financial resilience and staying secure in uncertain times, this conversation is packed with real-world insight.

Episode Highlights

03:01 - Panic and urgency in a crisis.

04:39 - Financial "sewer backup" metaphor.

05:33 - Preparedness in financial adversity.

05:56 - Importance of cash liquidity.

06:38 - Creating financial buffers.

09:57 - Calculating daily expenses and liquidity.

10:27 - Reassessing personal financial security.

11:30 - Building adequate financial reserves.

12:36 - Surviving financial stress events.

13:12 - Opportunities amidst financial crises.

Episode Resources

• sagewealthstrategy.com

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In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America's growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the "low payment" and not the true cost, and how thinking like a banker—not just a borrower—can change everything. Wade contrasts the typical consumer approach with strategies rooted in Infinite Banking, whole life insurance, and intentional cash flow, encouraging listeners to treat their money as sacred, question clickbait headlines, and make mortgage decisions that actually serve their long-term financial freedom.

Episode Highlights

00:47 - Discussing the 50-year mortgage trend

01:22 - Kira's initial reaction to the 50-year mortgage concept

03:56 - Mechanics and implications of a 50-year mortgage

05:00 - Interest rates comparison between 15, 30, and 50-year mortgages

05:19 - Consideration of earning potential versus mortgage interest rates

07:16 - Average age of first-time homebuyers and long mortgage terms

09:48 - Impact of extended mortgage terms on overall cost

14:43 -The importance of financial education and awareness

16:50 - Family banking and teaching financial responsibility

22:00 - The value of time and financial decision-making

Episode Resources

• sagewealthstrategy.com
• The Truth about 15 vs 30 Year Mortgages: Total Cost: https://www.loom.com/share/8b6e261950dc466c9e81b562fcedc96f
• The Truth about 15 vs 30 Year Mortgages: Additional Factors: https://www.loom.com/share/36baa22d201344f49a709894ed03144b
• The Infinite Banking Implementation of 15 vs 30 Year Mortgages: https://www.loom.com/share/d18eaac393ff43fb8c85b9cb51a39adc

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In this episode of The Wade Borth Podcast, Wade breaks down the recent headlines about NASCAR driver Kyle Busch allegedly losing $8.5 million in an Indexed Universal Life (IUL) scheme—and why stories like this create so much confusion about life insurance. Wade explains the likely factors behind the situation, including premium financing and unrealistic illustrations, and clarifies why IUL shifts risk back to the client while dividend-paying whole life insurance operates on guarantees, transparency, and long-term stability. Instead of letting one bad actor or bad tool tarnish the entire industry, Wade uses this moment to highlight the critical differences between IUL and whole life, the importance of understanding risk, and why whole life remains the most reliable foundation for financial security.

Episode Highlights

03:03 - Index Universal Life (IUL) concerns.

05:50 - Universal life risks to clients.

07:11 - Whole life vs. Universal life.

10:54 - Value of guarantees in whole life.

13:04 - Transferring risk to policyholders.

15:39 - Whole life as a liquidity contract.

19:21 - Industry skepticism and bad actors.

Episode Resources

• sagewealthstrategy.com

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In this episode: Wade walks through Business Banker (treating capital like a business, routing more cash flow through policies, and demanding payback with interest) and Infinite Banker (a closed family banking ecosystem where money consistently flows through your policies across generations). Expect practical criteria for loans, deal flow, and protecting liquidity while you invest. Tune in to see how disciplined policy use becomes a system—so your family controls the money game, not the banks.

Episode Highlights

00:47 - Overview of podcast stages: business banking and infinite banking.

01:28 - Definition of a business banker and control over finances.

02:26 - Mindset shift: Premiums as investments, not expenses.

03:04 - Redirecting cash flow: Benefits and privacy of policies.

08:12 - Hard money lending and expanding banking systems.

10:02 - Key components of wealth building and financial conversations.

11:20 - Treating money transactions like a business.

13:02 - Infinite banking mindset and the closed financial ecosystem.

15:52 - Interdependence and family financial ecosystems.

Episode Resources

• sagewealthstrategy.com

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In this episode: Wade breaks down the first two stages of owning whole life: Saver (building a safe, liquid foundation and tightening your relationship with money) and Wealth Builder (shifting premiums from "expense" to "opportunity," paying down the right debts, and funding opportunities without sacrificing liquidity). You'll hear how Tough Money habits, cash-flow redirection, and a clear "days of liquidity" target create real control—not just theory. Tune in to learn how to move from storing cash to putting it to work—on your terms.

Episode Highlights

01:04 - Exploring the four stages of whole life insurance.

04:43 - The misconception of doing infinite banking.

05:35 - Stages from saver to infinite banker.

07:59 - Building a strong financial foundation.

09:17 - Misclassification of life insurance as liquidity.

13:56 - Whole life insurance as a secure investment.

16:50 - Transitioning from saver to wealth builder.

18:27 - Strategic debt elimination.

21:17 - Importance of increasing cash flow.

Episode Resources

• sagewealthstrategy.com

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Welcome to a new episode of the Wade Borth podcast, focusing on "Consumer Corner" where we answer common questions that come across Wade's desk by clients. In this episode, Wade is joined by his assistant Kira Nyland to go through questions regarding Term Insurance and if it's a better fit than Whole Life. If you're stuck between which type of policy might be the best option, this episode is for you!

Episode Highlights

03:38 - The role of informed decision-making in finance.

05:15 - Debunking common financial myths.

07:53 - Exploring the debate: Term vs. Whole Life Insurance.

10:07 - The misperception of term insurance costs.

13:39 - Actuarial data and term insurance claims.

15:54 Insurance company strategies on premium pricing.

18:08 - Legacy planning limitations with term insurance.

21:24 - Understanding the value vs. cost in insurance.

23:27 - An analogy: Cost vs. value of financial decisions.

24:37 - Encouragement to seek diverse financial education.

Links and Resources

• sagewealthstrategy.com
• The 8 Benefits Part 1 - https://youtu.be/ld1M73GAURY
• The 8 Benefits Part 2 - https://youtu.be/u7AVa-4SdAc

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Wade sits down with Dallas-based advisor Brent White to unpack why most financial advice fails business owners—and what a team-based, "family office" approach can do instead. From Infinite Banking and cash-flow efficiency to avoiding siloed planning (hello, audits and missing 401(k) bonds), Wade and Brent share real-world tactics to build resilient companies, create liquidity, and make the same dollar do multiple jobs—with an abundance mindset and a servant's heart. Tune in to hear how thinking differently about your business—and surrounding yourself with the right team—can help you build lasting wealth, reduce risk, and keep your money in motion for generations to come.

Episode Highlights

• 02:15 - Rethinking the banking system.
• 06:40 - Financial awakening through experience.
• 11:25 - The "Mount Everest" approach to business.
• 16:50 - Efficiency over growth.
• 22:10 - The danger of doing business "like everyone else".
• 27:30 - Money in motion creates wealth.
• 32:05 - The power of team specialization.
• 41:10 - It's not about debt—it's about strategy.
• 45:20 - Education is empowerment

Episode Resources:

• sagewealthstrategy.com
• https://www.sagewealthstrategy.com/planning-beyond-retirement-with-kent-kraiter/
• Connect with Brent White
• bossfinancialgrp.com
• Brent@theinsboss.com

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Today, Wade sits down with returning guest and former military member Kent Kraiter to discuss the realities of retirement planning for those who serve. Drawing from his own military career and master's research on retirement strategies in the U.S., Kent shares insights on how service members can better prepare for their financial future—long before retirement hits. Together, they unpack the complexities of military and federal benefits, survivor plans, and how to take control through education and alternative strategies like properly structured whole life insurance. Whether you're two years or ten years away from retirement, this episode will help you think differently about how to protect your family, maximize your benefits, and take ownership of your financial future.

Episode Highlights

00:54 - Military retirement strategies: Serving those who serve.

02:00 - Common misconceptions about retirement planning.

03:03 - Transition assistance programs in the military.

05:00 - Key factors in military retirement decisions.

06:50 - Survivor Benefit Plan (SBP) overview and cost.

09:50 - Survivor Benefit Plan: Impact on surviving spouse.

11:30 - Comparing SBP with private insurance options.

14:30 - Importance of planning and control over benefits.

15:59 - Break-even point for whole life policy vs. SBP.

Episode Resources:

• sagewealthstrategy.com
• https://www.sagewealthstrategy.com/planning-beyond-retirement-with-kent-kraiter/
• Connect with Kent Kraiter
• kent.kraiter@factumfinancial.com

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In this episode of The Wade Borth Podcast, we rethink what retirement should really look like. Wade digs into the common “save, save, save” approach with 401(k)s and why accumulation alone is not enough. He explores the importance of a clear distribution plan, how fear of running out of money holds retirees back, and strategies to create guaranteed, reliable income for life. If you want to retire with confidence — not scarcity — and enjoy the freedom you’ve worked so hard for, this conversation is for you.

Episode Highlights

00:18 - Challenging Conventional 401k Thinking

03:58 - The Importance of Distribution Planning

06:45 - Retirement Fears: Running Out of Money vs. Death

09:25 - Exploring Higher Distribution Rates

10:01 - Guarantees in Retirement Planning

12:15 - Stages of Retirement Spending

14:20 - The Value of Lifetime Income

15:48 - Planning for Legacy and Education

17:29 - Intentionality in Retirement Planning

20:31 -Abundant Living vs. Scarcity Mindset in Retirement

21:56 - Ensuring Retirement Certainty and Abundance

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://factumwebinar.com/replay

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In this episode of the Wade Borth Podcast, Wade explores why so many families lose their wealth within just a few generations and what can be done to stop the cycle. Using real-life examples from farming families and well-known legacies like the Vanderbilts and Rockefellers, Wade dives into the critical role of education, communication, and intentional planning in preserving generational wealth. He highlights the importance of family banking, setting standards for stewardship, and creating systems that help future generations understand, respect, and grow the legacy they inherit.

Episode Highlights

01:01 - Education over money for generational success.

01:15 - The Vanderbilt wealth decline.

01:48 - Rockefeller vs. Vanderbilt comparison.

02:33 - Importance of education in farming families.

03:23 - Third generation observation gap.

04:18 - Educating future generations.

05:39 - Educated stewardship vs. poor stewardship.

06:41 - Passing knowledge and understanding.

07:36 - Family banking business concept.

08:04 - Success indicators beyond money.

09:03 - Intentional planning and legacy systems.

10:02 - Building a family financial education system.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this heartfelt episode of the Wade Borth Podcast, Wade shares why life insurance is one of the most powerful and misunderstood financial tools available. Drawing on 35 years of experience—and his own personal story—he explains how life insurance provides guaranteed liquidity, removes financial pressure during life’s most difficult moments, and allows families and businesses to move forward with certainty. Wade discusses why he believes life insurance is ultimately a contract of love, how it protects your legacy, and why education and planning are key to making sure your family is financially secure when it matters most.

Episode Highlights

00:34 - Life insurance and mortality.

01:09 - Value of life insurance.

02:00 - Companies' approach at death.

03:10 - Providing liquidity at death.

03:51 - Financial relief during grief.

05:50 - Stability through life insurance.

06:10 - Life insurance industry funding.

07:10 - The mutual company advantage.

08:55 - Life insurance as managed assets.

10:00 - Planning for unpredictable events.

11:55 - Personal experience: Father's death.

12:53 - Importance of proper planning.

13:43 - Impact of insufficient coverage.

15:23 - Importance of discussing needs.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of the Wade Borth Podcast, Wade welcomes Michael Hession, fellow Nelson IBC practitioner, to share his personal journey into Infinite Banking. From running a marine canvas shop to experiencing the financial crash of 2008, Michael’s story highlights the importance of building a strong foundation and controlling the banking function in your life. Together, Wade and Michael explore how Infinite Banking creates peace of mind, financial resilience, and the ability to turn debt into wealth for generations.

Episode Highlights

[03:54] Understanding the significance of Infinite Banking Concept (IBC).

[07:23] Michael's early career and business journey.

[10:31] The impact of the 2008 financial crisis on Michael’s finances.

[12:44] Transitioning to financial services post-bankruptcy.

[15:37] Discovering IBC and leaving the traditional financial industry.

[19:14] Empowering people through financial education and IBC.

[22:49] Importance of building financial foundations and saving habits.

[25:09] The misconception around rates of return versus peace of mind.

[30:39] The legacy potential of family banking systems.

[36:56] Liquidity and life insurance in business continuity.

[42:15] Discussion on the purpose and value of whole life insurance.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of the Wade Borth Podcast, Wade sits down with Joe Fuller to discuss family banking and its transformative power on financial habits. Joe shares his journey from aspiring neurosurgeon to a financial strategist after realizing the importance of managing money within families. Learn how intentional money conversations can unite families and create wealth for generations. Joe emphasizes the concept of building a legacy and offers insights into the practicalities of setting up a family bank, showcasing his family’s experiences. This episode is a must-listen for anyone interested in financial independence and family unity.

Episode Highlights

05:34 - Building family banking for a lasting legacy.

11:01 - Shifting mindset towards family financial unity.

21:27 - Importance of long-term habits for financial success.

31:10 - The power of saying no to align with purpose.

38:24 - Leveraging whole life insurance for generational wealth.

46:18 - The role of interdependence in family wealth.

54:36 - How family banking redefines retirement.

01:07:40 - Teaching financial literacy across generations.

01:23:19 - Building intergenerational wealth through family banking.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Joining Wade today all the way from Hawaii is fellow agent Clarke Tuitele where they have a conversation that blends real-life preparedness with financial readiness. After recounting a recent tsunami warning and the chaos that followed, Clarke draws powerful parallels between disaster preparedness and taking control of your money. He shares his personal story—raising six children on a teacher’s salary, living intentionally, and embracing the Infinite Banking Concept to create a lasting legacy. From building “financial 72-hour kits” to teaching future generations the value of stewardship, Wade and Clarke explore how awareness, education, and discipline can transform both your finances and your family’s future.

Episode Highlights

02:59 - Preparedness for natural disasters.

04:12 - Financial preparedness parallels.

06:51 - Infinite banking philosophy.

09:16 - Clarke’s financial philosophy journey.

12:38 - Intentional financial decisions.

14:24 - Legacy and financial wisdom.

16:43 - Long-term generational thinking.

18:50 - Financial independence education.

21:12 - Real-life impact of tsunami.

25:00 - Metaphor: TSA Pre-Check and financial planning.

28:43 - Financial awareness education.

31:19 - The story of waiting for the perfect wave.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/

• wade@sagewealthstrategy.com

• Connect with Clarke Tuitele

• clarke.tuitele@factumfinancial.com

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In this final installment of the Tough Money Mastery series, Wade Borth and returning guest David Zapata wrap up their discussion on building financial abundance and purpose. They explore the deeper “why” behind Infinite Banking, challenge traditional retirement and accumulation mindsets, and share practical ways to align your finances with every area of life. From the myths of qualified plans to the importance of liquidity, investing in yourself, and creating interdependence between money and purpose—this conversation offers a fresh, actionable perspective on taking control of your financial future.

Episode Highlights

01:00 - Infinite Banking: Beyond Basics.

02:20 - Tough Money Mastery overview.

03:50 - Common financial misconceptions.

06:15 - The importance of financial literacy.

07:45 - The myth of financial accumulation.

11:01 - Individualized financial advice.

14:30 - Risks of traditional financial planning.

17:05 - How accumulation affects retirement.

20:40 - The origin of retirement age.

23:45 - Role of liquidity in financial security.

25:10 - Changing thoughts on retirement.

28:55 - Issues with qualified plans.

31:30 - Evaluating financial investments.

34:20 - Perception of financial freedom.

37:55 - Role of government in financial planning.

41:40 - Questions about qualified plans.

46:20 - Real costs of college education.

49:25 - Long-term financial impacts of education.

01:06:22 - The need for liquidity in financial health.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

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In this continuation of the Tough Money Mastery series, Wade Borth welcomes back David Zapata to explore how to take control of your financial life through strategic leverage and intentional money flow. They discuss four more of the twelve key ideas for mastering tough money—including how to supercharge investments, maximize lending returns, integrate banking functions into your business, and protect your most valuable asset: your people. If you are ready to stop working harder and start having your money work smarter, this episode is for you.

Episode Highlights

03:40 - Importance of Protection in Financial Planning

05:55 - Framework for Accumulating $50 Million Net Worth

12:45 - The Impact of Small Changes Over Time

15:00 - Relationship with Money: Concept of Tough Money

21:00 - Supercharging Investments with Tough Money Principles

26:30 - Maximizing Returns in the Lending Business

34:05 - Importance of Financial Flow and Savings

39:20 - The Role of Human Capital in Business Success

45:40 - Key-Man Insurance and Protecting Business Interests

50:30 - Business Continuity and Risk Management

54:00 - Financial Board of Directors: Who Has Control?

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

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In this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether you're leading a family, building a business, or simply want to get smarter with your money, this episode lays the groundwork for financial clarity, intergenerational wealth, and creating a system that supports long-term abundance.

Episode Highlights

01:08 - Impact of family financial principles.

02:59 - The flow of money.

05:45 - Importance of financial education.

07:00 - Becoming the author of your financial plan.

09:13 - Individual vision for financial outcomes.

09:53 - Leadership in family finances.

10:28 - Four main discussion topics for the episode.

11:30 - Building a family banking system.

12:44 - Keeping a million dollars in control for vehicle financing.

13:50 - Sourcing debt as a family.

14:44 - Charitable donations for family legacy.

16:10 - Empowerment through education.

17:07 - Proper sequence in financial decisions.

18:28 - Role of whole life insurance in financial planning.

19:35 - Importance of interdependence in family finances.

22:36 - Family banking business in practice.

26:34 - Rules for family financial operations.

28:36 - Vehicle financing strategies for families.

31:52 - Opportunity cost in financial decisions.

34:50 - Flexibility and control in financing within a family.

37:16 - Legacy giving through life insurance benefits.

45:11 - Preparing children for financial independence.

47:07 - Flexibility of loan provisions in family banking.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

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In this episode of the Wade Borth Podcast, Wade reflects on how his approach to working with clients has evolved with greater intentionality and purpose. He shares the three-step framework that drives every client relationship: awareness, education, and action. Rather than jumping straight to products or solutions, Wade emphasizes the importance of understanding your unique goals, values, and what’s keeping you up at night. From there, education becomes the tool to empower you—not to rely on someone else, but to confidently take control of your financial future. If you're looking for more than just advice, and want a process built around your needs—not a one-size-fits-all solution—this episode is for you.

Episode Highlights

01:06 - Intentionality in Business.

01:17 - The Go-Giver: Adding Value.

01:45 - Financial Awareness: Key to Change.

02:53 - Empowerment Through Education.

04:16 - Importance of Self-Empowerment.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Today on the Wade Borth Podcast, Wade challenges the traditional view of retirement and encourages listeners to rethink what it truly means. Whether you see retirement as retooling, relaxing, or chasing new adventures, one thing remains the same—your financial strategy should reflect your values, not someone else’s template. Wade explores why relying solely on market-based income can create unnecessary fear and scarcity, and how guaranteed income solutions like annuities can offer peace of mind and stability. If you're approaching retirement or simply thinking about your future, this episode will help you align your money decisions with the life you actually want to live.

Episode Highlights

00:24 - Clarity on Retirement Definitions

02:06 - Traditional Retirement vs. Retooling

03:03 - Living Off Market Interest: Risks

05:04 - Certainty and Fear in Retirement

07:10 - Income vs. Asset-based Retirement

09:07 - The Role of Private Pensions

10:56 - Cookie Cutter Approach to Retirement Strategy

11:59 - Aligning Actions with Values

12:31 - Uncertainty and Future Conversations with Self

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of the Wade Borth Podcast, Wade addresses a common and important question: How safe are life insurance companies? Drawing from conversations with industry leaders and over 35 years of experience, Wade explains why mutually owned life insurance companies are some of the most stable financial institutions in the world. He breaks down how they operate differently from Wall Street-driven firms, why long-term thinking matters, and how these companies prepare for both the expected and the unexpected. Whether you’re new to Infinite Banking or questioning the long-term security of your policy, this episode will offer clarity, context, and confidence.

Episode Highlights

00:32 - Life insurance companies as a safe financial institution.

01:16 - The value of life insurers providing capital.

02:31 - Mutual vs. stock-owned insurance companies.

03:59 - Institutional-level investment in whole life policies.

06:39 - Managing for certainty and risk.

08:53 - Historical resilience of insurers: Lloyds of London.

10:09 - Insurance companies and major global events.

11:00 - Insurers keeping an eye on long-term stability.

12:15 - Understanding what stays the same in business strategy.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of the Wade Borth Podcast, Wade dives deeper into the often-misunderstood concept of Infinite Banking. Instead of overwhelming listeners with financial jargon, he reframes the conversation using a more approachable framework: the Four Stages of Whole Life Insurance. From becoming a disciplined saver to evolving into a true Infinite Banker, Wade explains how each stage builds more control, clarity, and confidence in your financial journey. Whether you're just getting started or looking to expand your financial ecosystem, this episode offers clarity, encouragement, and a practical path forward.

Episode Highlights

01:30 - The Four Stages of Whole Life Insurance

02:12 - Infinite Banking: A Small Subset's Journey

02:32 - Becoming: Essential Part of Financial Control

03:39 - Importance of Savings Strategy

05:06 - Whole Life Insurance Benefits

06:02 - Misclassification of Financial Assets

06:20 - Debt Control vs. Debt Control Over You

07:04 - Wealth Building Strategy

08:09 - Difference Between Chaos and Opportunity

14:32 - Understanding Life Insurance Contracts

14:59 - Small Shifts, Lasting Change

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of The Wade Borth Podcast, Wade wraps up his deep dive into the eight key benefits of whole life insurance. Building on Part 1, he explores how privacy, tax-free death benefits, guaranteed monthly cash value growth, and income statement improvements make this asset a powerful tool for long-term financial confidence. If you’ve ever viewed premiums as a burden, this conversation may flip the script—showing how whole life insurance aligns with your values and financial goals to serve you for life.

Episode Highlights

01:45 - Understanding the multiple benefits of whole life insurance.

02:19 - Keeping money in your own financial ecosystem.

03:47 - Liquidity in times of financial stress.

05:38 - Privacy of whole life insurance contracts.

07:40 - Income tax-free death benefits.

10:48 - Guaranteed growth of cash value.

12:00 - Importance of starting early with whole life policies.

14:13 - Whole life insurance as part of a diversified financial strategy.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of The Wade Borth Podcast, Wade kicks off a two-part series diving deep into the eight powerful benefits of whole life insurance. From guaranteed death benefits and constant compounding to unmatched liquidity and flexible loan provisions, Wade breaks down how this often-misunderstood asset can bring certainty, control, and long-term value to your financial life. If you've ever questioned the real purpose of whole life insurance—or just want to think differently about money—this episode is for you

Episode Highlights

03:12 - Life insurance: guarantees and certainty

06:04 - The “liquidity contract” concept explained

08:23 - The advantage of constant cash value increase

11:18 - Understanding bank strategies: savers vs. borrowers

14:07 - Power of liquidity in whole life insurance

16:54 - The flexible loan provisions benefit

19:00 - Importance of treating your own money well

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of The Wade Borth Podcast, Wade tackles the common misconceptions surrounding whole life insurance—addressing why so many people claim it has a low return, is too expensive, or is the “worst investment of all time.” He explains why these beliefs are often rooted in misinformation or biased experiences, and reframes whole life as a savings tool, not an investment. If you're seeking clarity, consistency, and long-term financial control, this conversation offers a fresh, honest perspective that cuts through the noise.

Episode Highlights

00:22 - Whole life insurance myths.

01:04 - Common criticism: Low return.

02:11 - Opinion formation: Experience vs. Learning.

03:12 - Whole life as a tool.

04:55 - Misconceptions on whole life returns.

05:50 - Savings vs. investments comparison.

07:38 - Benefits of a consistent savings environment.

08:57 - Whole life providing financial certainty.

09:17 - Misunderstanding whole life as investment.

11:44 - Contextualizing costs and value.

13:12 - Value perspective on expenses.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode, Wade breaks down a clear, straightforward process that’s helping clients rethink how they manage money. From understanding income flow to building savings and making better financial decisions, this conversation reveals why the right sequence matters—and how whole life insurance can play a foundational role. Whether you're just getting started or looking to regain control, this episode lays the groundwork for building clarity, confidence, and long-term stability.

Episode Highlights 01:00 - Understanding the Flow of Money 01:35 - Simplifying Financial Decisions with Gary Keller 02:51 - Wealthy Decision-Making Processes 04:15 - Impact of Lack of Liquidity on Businesses 05:58 - Importance of Savings Strategy 08:34 - Proper Sequencing for Financial Management 10:45 - Liquidity and Financial Pressure 11:19 - Long-term Impact of Defined Benefit Strategy

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of the Wade Borth Podcast, Wade dives into the power of mutual insurance companies and why ownership matters. He breaks down common misconceptions about life insurance, highlights the difference between mutual and stock companies, and explains how clarity, certainty, and long-term thinking can relieve financial pressure. If you are seeking more control, freedom, and security in your financial life, this conversation is for you.

Episode Highlights 00:21 - Clarifying financial misconceptions. 01:29 - Empowering people through mutual insurance. 02:29 - Why mutual insurance companies benefit policyholders. 03:45 - Historical roots of mutual insurance companies. 04:48 - Difference between mutual and stock insurance companies. 07:10 - Long-term focus of mutual companies vs. short-term of stock. 09:41 - Certainty and exit strategy with whole life insurance. 11:01 - Venture capital influence on stock insurers. 12:10 - Dividends vs. Wall Street-driven interests. 13:52 - Importance of understanding your insurance products. 14:46 - Encouragement for thoughtful financial discussions.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode, Wade unpacks what the recent stock market downturn—and how Warren Buffett’s surprising moves—can teach us about how the wealthy think. As the market sees sharp declines and uncertainty rises, Wade reminds us that true opportunity lies in preparation, not prediction. It’s not about chasing returns—it’s about having savings in safe, liquid places so you can act when others hesitate. This episode is a powerful mindset shift for anyone looking to gain clarity, control, and a long-term advantage in turbulent times.

Episode Highlights 01:22 - Observing Buffett’s strategic moves. 03:39 - Market turbulence and investor sentiment. 05:57 - Buffett’s selling strategy explained. 06:52 - The underestimated value of liquidity. 08:51 - Difference between saving and investing. 09:52 - Strategic patience and investment timing. 10:47 - The power of financial discipline. 12:01 - Thinking like wealthy individuals. 13:04 - Importance of readiness for opportunity.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of the Wade Borth Podcast, Wade sits down with Kent Kraiter—a long-time client, friend, and newly minted colleague. With over 30 years of military service and a deep curiosity for financial education, Kent shares his personal journey from soldier to servant-leader in the world of personal finance. They dive into life transitions, financial empowerment, the importance of planning beyond retirement, and how curiosity and clarity can pave the way to a more abundant future. If you're navigating change or searching for a deeper sense of purpose, Kent’s story will resonate.

Episode Highlights 02:00 - Kent’s Military Background. 04:09 - Discovering the Air National Guard. 06:59 - Introduction to Financial Independence. 10:36 - Curiosity and Lifelong Learning. 17:23 - Embracing Change Post-Military Life. 25:00 - The Whisper of Financial Pathways. 35:05 - The Importance of Looking Beyond Retirement. 39:30 - Serving Through Financial Education. 46:45 - Planning for Life After Retirement. 52:40 - Empowering Through Conversations. .

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Kent Kraiter
• https://www.linkedin.com/in/kent-kraiter/

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In this episode, Wade Borth sits down with former police officer turned IBC advocate Brian Fleming. Brian shares his journey from 25 years in law enforcement to discovering the Infinite Banking Concept and returning to the financial world with a mission to serve. Together, they explore how control, financial education, and a properly structured whole life policy can transform lives—especially for those in high-risk professions like law enforcement and for real estate investors seeking smarter ways to fund their ventures. It's a powerful conversation about truth, stewardship, and taking ownership of your financial future.

Episode Highlights 05:55 - Transition from law enforcement to insurance 06:59 - Infinite banking discovery through real estate 10:17 - Misconceptions about life insurance 13:48 - Importance of understanding financial truths 16:44 - Application of infinite banking in real estate 19:27 - Success story of shifting to hard money lending 21:33 - Saving a project with life insurance liquidity 25:14 - Importance of continuous financial education .

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Brian Fleming
• https://www.factumfinancial.com/the-team/

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In this episode of the Wade Borth Podcast, Wade sits down with Joshua Smith, a former real estate investor turned financial strategist. Josh shares his journey through the 2008 financial crisis, the lessons he learned about debt, liquidity, and financial control, and how he transitioned from traditional financial advice to Infinite Banking. They discuss the pivotal moments that reshaped his mindset, the benefits of whole life insurance as a financial tool, and how he now helps others take control of their financial future. Tune in for a deep dive into financial resilience, long-term wealth strategies, and the power of financial education.

Episode Highlights 22:32 - Job loss: financial safety net. 24:31 - Family legacy. 25:25 - The importance of financial education. 31:36 - Opportunities from having liquidity. 37:00 - Saving vs. investing distinction. .

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Joshua Smith
• https://www.linkedin.com/in/gogiversolutions/

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In the final installment of the Tough Money series, Wade Borth and David Zapata conclude their deep dive into building a resilient financial strategy. This episode focuses on aligning your investments with your values, understanding risk, and achieving financial freedom through intentional planning. Learn how liquidity serves as the foundation for managing risk and explore the critical balance between savings and investments. Wade and David also discuss strategies for setting freedom numbers, navigating risk, and creating a framework for long-term financial health. Don’t miss this powerful conversation that ties together the principles of the Tough Money curriculum.

Episode Highlights

08:03 - Snorkel vs. deep dive into financial awareness. 10:53 - Income strategy: Cash flow vs. accumulation. 18:08 - Classifying investments: Short-term, mid-term, and forever. 21:14 - Risk, returns, and noise in asset management. 24:27 - Conversation on defining and managing risk. 30:10 - Liquidity as a hedge against risk. 32:14 - Importance of a balanced financial portfolio. 35:10 - Flexible curriculum for financial education.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata/

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In part three of the Tough Money series, Wade Borth and guest David Zapata explore the vital role of liquidity in building financial resilience. They discuss why having liquid, safe assets is foundational to weathering life’s challenges and seizing opportunities. From understanding what truly counts as liquidity to calculating your "days of liquidity," this episode offers practical insights to align your finances with your values and create a robust financial foundation. Don’t miss this crucial conversation, and stay tuned for part four, where they’ll dive into investments and their relationship with liquidity!

Episode Highlights

04:10 - The vital role of liquidity. 05:06 - Foundation is key to financial health. 07:20 - Smart Money’s focus on reserves. 10:49 - Liquidity vs. perceived liquidity. 13:44 - Days of liquidity: a vital metric. 17:18 - Evaluating your savings environment. 21:08 - Tough money and antifragility. 23:00 - Smart money’s approach to liquidity. 25:36 - Balance between cash and investments.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata/

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In part two of the Tough Money series on the Wade Borth Podcast, Wade and guest David Zapata continue their exploration of building financial resilience by diving into debt strategies. They discuss how to evaluate your relationship with debt, classify it effectively, and make intentional decisions aligned with your values and goals. This episode provides practical insights for creating a thoughtful financial framework, whether you're managing personal or business finances. Don’t miss this engaging conversation, and stay tuned for part three, where they’ll explore liquidity and investments!

Episode Highlights 01:06 - Relationship and exercise analogy with money. 01:35 - Luck or strategic financial decisions. 03:32 - Change as a constant factor in financial management. 06:06 - Rethinking debt and financial education nuances. 08:03 - Understanding debt-to-income ratio (DTI). 10:02 - The importance of aligning spending with values. 12:57 - High-income earners and lifestyle financing challenges. 19:26 - Hierarchy and strategic use of debt. 23:33 - Becoming your financial auditor for better management.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata/

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In this episode of the Wade Borth Podcast, Wade is joined by frequent guest and colleague David Zapata of Factum Financial to delve into the concept of "Tough Money." They explore the importance of building a stronger, more resilient relationship with your finances by addressing foundational habits, improving financial awareness, and preparing for life’s unexpected events. David shares insights from the Tough Money Workbook, breaking down actionable strategies to help you take control of your financial future. Tune in for practical advice and thought-provoking discussion, and stay tuned for part two, where they’ll tackle debt strategies.

Episode Highlights 05:16 - One plus one equals 11 philosophy. 07:46 - Lack of close relationships with money. 09:13 - Concept of “anti-fragility.” 12:44 - Events that impact money management. 14:41 - Financial pressure as strength. 17:50 - Financial management and tough money. 19:57 - Exercise to track income and expenses. 21:47 - Importance of savings rate.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode of The Wade Borth Podcast, Wade tackles a common question: "Should I take a life insurance policy out on my child?" Wade dives deep into the Infinite Banking Concept (IBC), explaining the benefits of starting policies early, teaching financial stewardship, and ensuring guaranteed insurability. He also addresses misconceptions, explores the importance of a family banking system, and shares insights on maintaining control of policies. Whether you're new to IBC or a seasoned listener, this episode is packed with valuable insights for building generational wealth. Tune in, learn, and take the first step toward financial freedom.

Episode Highlights 01:39 - Should I take a policy out on my child? 03:37 - Teaching financial habits through child policies. 06:06 - Grieving a child’s loss: the financial impact. 09:04 - Insuring children for guaranteed insurability. 11:31 - Family banking system and life insurance. 15:04 - Children learning through policy ownership. 18:51 - Retaining policy ownership within the family. 25:17 - Planning for the next generation’s financial freedom.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode, Wade dives into real-life examples of how clients have harnessed the Infinite Banking Concept (IBC) to take control of their finances and create opportunities. From tackling credit card debt and financing real estate purchases to building cash reserves for business growth, Wade shares inspiring stories of clients who transformed their financial lives by redirecting the flow of money back to systems they own and control. Learn how IBC empowers individuals to eliminate dependency on traditional banks, unlock hidden opportunities, and build long-term financial freedom. Tune in to discover how this powerful strategy can work for you!

Episode Highlights 01:43 - Concept of Taking Control Over Debt 03:34 - Six-Year Journey to Debt Control 04:59 - Premiums as a Gateway to Freedom 05:51 - Using Policies to Finance a Vacation Home 08:31 - Seizing Opportunity with Raw Land 12:00 - 2008 Real Estate Opportunity in Las Vegas 16:47 - Maximizing Retirement Benefits 19:19 - Retaining Key Employees and Accessing Capital 22:16 - Entrepreneurial Resilience During COVID 23:32 - Infinite Banking’s Flexibility

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Today, Wade welcomes back one of his favorite guests, David Zapata, to discuss the critical value of unstructured loans and guaranteed lines of credit within the Infinite Banking Concept (IBC). They dive into real-life examples, including Wade's personal experience during the 2008 financial crisis and a recent story from one of David's clients. The conversation emphasizes the importance of controlling your own access to capital, rather than relying on third-party lenders who may pull the plug at any time. This episode is a must-listen for anyone interested in understanding how to secure financial certainty in uncertain times.

Episode Highlights 01:37 - David Zapata shares his insights on guaranteed lines of credit through whole life insurance. 03:29 - The limited view of borrowing from insurance and its broader benefits. 04:43 - Explanation of life insurance company commitments and guarantees. 06:06 - The three guarantees of whole life insurance explained. 09:09 - The irreplaceable value of guaranteed cash growth. 13:00 - How life insurance companies act as custodians of policy value. 17:02 - Managing access to money versus owning access to money. 19:57 - Discussion on the importance of context and setup in financial planning. 21:59 - Example of a real situation where guaranteed access to capital through whole life insurance made a difference. 23:50 - Practical implications of losing bank-provided lines of credit unexpectedly. 27:45 - Importance of planning and staging of financial resources. 29:32 - Announcement of the upcoming wealth seminar in Scottsdale.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata

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In this episode of the Wade Borth Podcast, he dives deep into the concept of Economic Value Added (EVA), a topic that Nelson Nash highlighted in his book Becoming Your Own Banker. EVA is often misunderstood, but it's crucial for anyone looking to maximize the value of their capital. Wade explores a key 1993 Fortune magazine article that discusses how major companies like Coca-Cola and Quaker Oats utilized EVA to drive profitability. Join Wade as he breaks down the principles of EVA, its relevance to personal finance, and how understanding the true cost of your capital can lead to better financial decisions.

Episode Highlights 00:24 - Nelson Nash mention - Introduction to Economic Value Added (EVA). 01:02 - Fortune Magazine article - Highlighting the 1993 article by Shawn Tully. 02:02 - Key quote from Nelson - “EVA’s basic premise is, if you understand what’s really happening, you’ll know what to do.” 04:58 - Use of capital - Different interpretations of capital’s value and return. 07:41 - EVA in practice - Managers acting like shareholders. 12:10 - Real profitability - Importance of measuring real profitability of operations. 12:51 - Cost of capital overlooked - Emphasis on recognizing the full cost of capital. 13:59 - Example from CSX - Success through understanding and utilizing EVA. 18:17 - Banks and capital returns - Comparison of banks understanding and getting returns on their capital. 20:22 - Financial statement gap - Missing equity cost in financial statements. 22:59 - Real estate example - Miscalculating profitability by excluding capital costs. 27:03 - Efficiency in assets - Illustration through CSX’s unutilized resources. 32:56 - Importance to individuals - Treating personal capital with the same seriousness as businesses do. 35:48 - Practical approach - How to apply EVA principles in personal finance. 39:46 - Quaker case study - Realizing the non-free nature of inventories/capital. 43:34 - Main takeaway - Understanding what is really happening to make informed financial decisions. 44:05 - Nelson Nash’s legacy - Emphasis on controlling the banking function at an individual level.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Today's episode brings a little bit of sadness as Wade shares a deeply personal story about the unexpected loss faced by a client, highlighting the importance of life insurance in times of crisis. He discusses how life insurance can provide financial certainty and peace of mind during the most vulnerable moments in life. Wade reflects on the value of planning ahead and how life insurance serves as a critical resource, not just for the living, but for those left behind. Tune in as he explores the real impact of being prepared for the unexpected and why it's a vital conversation for everyone.

Episode Highlights 00:28 - Abandoning initial podcast topic due to client experience. 00:52 - Client’s unexpected loss: husband did not return from hospital. 01:35 - True value of life insurance during clients’ most difficult times. 02:01 - Insurance agent’s role in supporting clients. 02:18 - Insight from One America president Dennis Martin. 02:43 - Contrasting insurance companies vs. money managers during crises. 03:52 - Life insurance alleviates financial burden amid grief. 04:45 - Appreciation for the life insurance industry. 05:04 - Importance of planning and its impact on financial certainty. 06:04 - Real-life example of unforeseen scenarios. 06:27 - Emotional and financial support provided by life insurance. 08:14 - Encouragement to have enough life insurance coverage.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode, Wade continues the conversation on starting the Infinite Banking Concept (IBC) by diving deeper into the critical steps beyond understanding the problem. Many people mistakenly begin with the product rather than addressing the foundational issues first. Wade emphasizes the importance of finding a knowledgeable practitioner, establishing a solid process, and selecting the right tools to achieve financial freedom. Listen in as Wade shares his insights, experiences, and practical advice to help you take control of your financial future.

Episode Highlights 01:10 - Importance of understanding the problem. 02:40 - Noise in the industry - starting with step 4. 04:40 - The role of a good practitioner. 05:45 - Learning from mistakes. 06:55 - Empathy and empowerment over control. 08:00 - Building a like-minded community. 09:40 - Importance of surround yourself with supportive people. 11:10 - Review of important first steps. 12:00 - Clear communication with your practitioner. 12:55 - Setting up the correct process for policy loans. 15:20 - Respecting your family bank's money. 17:30 - Ensuring your process guarantees success. 18:20 - Common issue: Step 4 focus. 19:50 - The right product is just a tool. 22:05 - Using the right tool for the problem.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In today's episode, Wade dives into the Infinite Banking Concept, exploring the intricacies and processes that often leave people puzzled. He emphasizes the importance of understanding the proper sequence in becoming your own banker and shares insights from his discussions with business coach Tammy Brennan. Wade explains why it's crucial to grasp the problem of not controlling the banking function in our lives and how identifying and addressing this issue can lead to financial freedom. Tune in to learn about the four-step process to take control of your financial future and the true power of becoming your own bank.

Episode Highlights 02:34 - Defining Infinite Banking. 05:52 - Importance of Process and Sequence. 10:04 - First Step in Infinite Banking: Understanding the Problem. 13:19 - The Role of Banks: Saver, Borrower, and Wealth Creator. 15:40 - Banking as a Verb, Not a Noun. 18:58 - The “Magic” of Banking: Why Banks Love Both Savers and Borrowers. 22:50 - Concept of Wealth Creation. 29:08 - Becoming Your Own Bank. 31:40 - The Legacy of a Wealth Creator. 34:52 - Practical Steps to Implement Infinite Banking.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In today's episode, Wade continues his discussion on key takeaways from the Nelson Nash Institute's annual Think Tank. He shares a compelling client story about understanding the importance of choosing the right product for Infinite Banking, the differences between Whole Life and Universal Life policies, and why Whole Life is the cornerstone for those practicing Infinite Banking. Join Wade as he dives into these crucial insights to help you take control of your financial future.

Episode Highlights 01:02 - Story of client inquiry into IBC. 01:43 - Product vs. human problem in financial decisions. 02:11 - Whole life vs. universal life insurance explained. 05:15 - Risks of universal life insurance. 08:40 - Personal experience with insurance mismanagement. 10:30 - Consequences of interest rate assumptions failing. 12:11 - The importance of long-term financial strategies. 15:38 - Potential risks in policy lapses. 17:04 - Need for practical guarantees in financial products.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Fresh off of the return from IB Think Tank, Wade shares his thoughts and takeaways of the event. This unique gathering is a must-attend for IBC practitioners and anyone interested in exploring the concept of Infinite Banking. He shares key takeaways and insights from the event, starting with a profound realization: "Premium is a contribution to capital." Join Wade as he unpacks this and more, aiming to provide valuable content for those who want to understand becoming their own banker.

Episode Highlights 01:57- Rethinking your thinking. 04:11 - Two businesses: a back-and-forth exchange of time and money. 04:36 - Importance of recognizing you're in the banking business. 05:55 - Contribution to capital explained. 07:00 - Understanding the problem and seeing premium as the solution. 08:11 - Capital: necessary for both business and personal life. 09:39 - Premium as a contribution to capital. 11:13 - Saving and reliance on banks. 12:57 - Control through capital contribution. 14:06 - Avoiding frustration and potholes. 16:59 - Long-term commitment and building a personal financing system.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Joining Wade today is friend Curtis May where they discuss the power of whole life insurance and infinite banking strategies. Discover how whole life policies offer guaranteed benefits and find out how to leverage these strategies for personal and business success. Tune in for valuable insights on building wealth, managing risk, and maximizing financial potential!

Episode Highlights 03:36 - Their shared passion for infinite banking and the insights they gain from attending the industry symposium Circular Wealth. 23:38 - Curtis talks about two schools of financial thought: the accumulation theory and the velocity method, advocating for the latter as it emphasizes the velocity of money and the economic value of certainty. 29:12 - Curtis outlines his investment philosophy and his preference for investing in what is known and can be controlled, with a focus on cash flow rather than chasing returns. 33:15 - Wade and Curtis discuss leveraging whole life insurance policies for business purposes, highlighting how it can serve as a volatility buffer and offer advantages like collateral opportunities and uninterrupted compound interest. 45:46 - The conversation turns to business owners and the financial advice that should be tailored to their unique position, separate from advice given to W-2 employees. 52:13 - Wade and Curtis highlight the necessity of discipline, time, and money to achieve financial success with the infinite banking concept, and discuss the importance of becoming the person who can utilize these tools effectively.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Curtis May
• https://www.linkedin.com/in/curtismay/

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Today, Jubril Wilson, realtor and investor, joins Wade to explore the Infinite Banking Concept (IBC) for financial freedom. Discover practical tips on real estate, leveraging whole life insurance, and embracing abundance mindset. Learn the importance of networking and taking control of your financial destiny. Tune in and start your journey to financial empowerment now!

Episode Highlights 01:30 How Jubril helps Realtors in the current market situations 03:23 How his mindset changed from frivolous spending to investing in infinite banking 05:02 The concept of "Pathing" (or sequencing) and how it has led Jubril to learn new financial strategies 06:45 The importance of financial efficiency and mention of their podcast series that breaks down each chapter of Nelson’s book on the Infinite Banking Concept 09:51 How Jubril’s thought process has changed since implementing the infinite banking concept in his life 13:51 Real-life examples of how Jubril has leveraged the infinite banking concept to manage finances more efficiently 19:22 The concept of a 'think tank' with practitioners from various fields coming together to discuss worldwide happenings and industry changes 21:21 The debate on life being a "participation sport" not a "spectator sport" and that it is essential to get involved and start participating proactively 22:36 The comment from a Citibank's head on who controls the dollars and the advice on how the difference between chaos and opportunity is who has access to money 23:03 How a consumer can avoid being reactive and take advantage of chaos if they saved enough money and had better control over their finances

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Jubril Wilson
• jubril10xhomes@gmail.com

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Join Wade and returning guest Nicole Tate as they delve into the empowering world of family banking and legacy building. Through their insightful discussion, they uncover the transformative potential of creating a closed financial system that puts you in control. Discover how to leverage policies, generate wealth, and secure a legacy that transcends generations. Don't miss out on this enlightening conversation that could reshape your financial future.

Episode Highlights 03:56 The process of using insurance policies for family banking 10:19 Separating uncertainty on the investment side from certainty on the capitalization side 16:14 The two choices people have: Creating their own financial system versus depending on others 18:26 The importance of instilling saving habits in the next generation as part of wealth and legacy building 19:41 Building a non-traditional home as an example of gradual progress toward a vision 20:11 Seeing your money grow and putting it to work in the system

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Nicole Tate
• ntate@oneindianafinancial.com

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Join Wade as he dives into the journey of understanding the Infinite Banking Concept (IBC) through vivid reflections on sunrises, sunsets, and moonlit lakes. Discover how moving from passive understanding to active engagement unlocks a newfound sense of freedom and control over finances. Explore firsthand accounts and insightful anecdotes that illuminate the emotional depth behind financial literacy and personal growth.

Episode Highlights 01:40 How experiencing something, rather than just seeing it, connects you with your inner emotions and soul, which cannot be achieved via merely seeing something 02:13 The irreplaceable nature of personal experiences 02:38 The concept of Infinitive Banking Concept (IBC) and the importance of experiencing it before understanding its real impact 04:02 How to engage with IBC and experience the unique aspect of freedom it provides 05:29 The importance of family banking

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode, Wade welcomes his dear friend and fellow agent Shala Lamboy, to discuss the journey of infinite banking. Shala shares her early experiences with money, including insights gained from working with successful entrepreneurs and witnessing the wealthy's unique mindset towards finances. Together, they delve into the concept of infinite banking and how it offers a strategic approach to saving and wealth-building. Shala's personal anecdotes, including her family's intentional approach to travel, highlight the importance of aligning financial strategies with personal values. Join Wade and Shala as they explore the power of intentionality in achieving financial abundance.

Episode Highlights 02:29 - Shala shares her passion and interest in money and how this has shaped her financial journey. 13:37 - Shala recounts her personal journey in applying the principles of infinite banking in her life, particularly with regard to finance availability for activities like traveling. 19:29 - The importance of engagement and education before undertaking any endeavor, financial or otherwise, is highlighted. 34:11 - Discussing the regret that many people have when they realize the potential of intentional saving and infinite banking. They encourage listeners to take action, get educated and start being intentional about their money. 38:38 - Her advice to listeners is to create a life they love and find out what's missing if their current life doesn't reflect that. She adds that learning the infinite banking process and being intentional about finances can aid in creating a life of abundance.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Shala Lamboy
• shalaree@factumfinancial.com

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Today, Wade welcomes special guest Matthew Shanlian, a seasoned professional in the real estate and mortgage business. They dive into the complexities of the mortgage industry, exploring topics such as industry events like Circle of Wealth, the ongoing changes in interest rates, and the persistent shortage of available housing. Matthew shares insights from his extensive experience, emphasizing the importance of understanding clients' financial goals and providing tailored solutions. Tune in for a thought-provoking discussion on navigating the mortgage landscape and making informed decisions for a secure financial future.

Episode Highlights 02:56 The housing market’s current situation and how all of this is impacting the mortgage industry 04:45 The importance of not being mere order takers, but probing to understand the real needs and desires of the clients 08:05 The need for giving sound advice to clients and the importance of saying no when necessary 14:53 The value of having control over your money and the advantages of having a small mortgage payment 18:00 The potential risks associated with paying a 15-year mortgage like a 30-year mortgage 20:46 A story of a person who followed a radio host's advice and faced hardships due to the lack of financial flexibility and a resulting inability to manage an unexpected situation 27:45 The importance of focusing on mortgage payments instead of the purchase price of a house 32:45 How to reach out and contact Matthew 39:44 The importance of maintaining control over one's financial future, warning against allowing external entities to have that control 38:17 Advice to listeners who are looking to buy their own home

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Matthew Shanlian
• Matthew.Shanlian@ccm.com
• https://www.linkedin.com/in/matthew-shanlian-2b111582

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In today's episode, Wade dives into a recent frustrating yet eye-opening experience with banking. He recounts a saga involving a significant check transfer between accounts, revealing the complexities and hurdles encountered in the process. From initial attempts to wire transfers to unexpected holds on checks, Wade navigates the maze of bank protocols, shedding light on why banks make transferring money so challenging.

Episode Highlights 02:55 - Proceeds to share how attempts were made to wire the money and the hassle of Wells Fargo holding the cash for an extended period. 03:58 - Explains how the banks suggested using a cashier's check as a solution for the money transfer problem. 05:07 - Shares the realization of banks intentionally holding on to money as part of their profit strategies through lending and earning on interests and fees. 08:31 - Shares the understanding that banks are primarily designed to make profits, thinking and operating in increments; minutes, hours, and days. 09:33 - Emphasizes the importance of thinking like a bank, being intentional and organized with money, and expecting it to generate returns. 11:01 - Reiterates that banks will try to keep control of their customer's money for as long as possible to make as much profit as possible. 11:53 - Expresses his continued frustration with large banks, the administrative difficulties and obstacles they create for the consumers.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Join Wade today as he discusses the rush to secure stability in an ever-changing market and advocates for finding consistency and certainty through whole life insurance. Tune in for valuable insights on navigating financial uncertainty and building long-term resilience.

Episode Highlights 01:31 The importance of certainty, time and consistency over yield 02:58 The value of where you are investing their savings 04:36 Why long-term thinking is important in the financial world 06:15 Different financial certainty you should look for during uncertain times 08:46 The benefits of calmness and stability in the financial world 09:20 Why you should get out of survival mode and thrive by finding certainty and calmness in their financial world

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this episode, Wade discusses the transfer of wealth from baby boomers to millennials, highlighting the importance of efficient asset transfer and financial education. He talks about utilizing whole life insurance and emphasizes empowering heirs for long-term success. Join him as he navigates the complexities of wealth transfer and legacy building.

Episode Highlights 00:39 How money will be transferred across generations 01:42 The importance of transferring wealth efficiently and ensuring children and beneficiaries are better off 03:23 Common approach to money-saving and asset depletion for transfer to the next generation 04:43 The benefits and guarantees of life insurance 07:04 Value of financial education for children 09:44 Help and potential resources for family financial planning and education 10:23 Why you need to be open-minded about different financial strategies

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Happy New Year from the Wade Borth podcast! To start the year off right, Wade dives into the crucial topic of the proper sequence for savings and investments. Successful real estate investors have shared eye-opening insights about this sequence that could significantly impact your financial journey. Join him as he explores the importance of getting the sequence right, how it can supercharge your wealth growth, and why having a well-structured life insurance policy plays a pivotal role. Discover the power of controlling the flow of your money and learn why savings should come before investments.

Episode Highlights 03:19 - The idea of controlling the flow of money and gaining from the extra interest rather than having it flow to a hard money lender. 04:24 - The importance of sequence in growing assets quickly through additional savings and guaranteed growth. 05:10 - The advantage of having easily accessible money during economic downturns to seize opportunities. 06:04 - Importance of having access to money when deals are ready to maximize growth of wealth. 06:56 - The sequence starts with savings, which creates a buffer against chaos and provides an opportunity to invest. 07:23 - The proper sequence; holding money in a policy, and deploying it at the right time. 07:59 - The benefit of controlling the banking function and the supply chain of money for investment. 09:13 - Discussion on the importance of saving money in life insurance policies and applying the strategy of infinite banking.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In today's episode Wade talks about the Infinite Banking Concept (IBC) and why it's more than just interest rates. While interest rates matter, the real focus should be on control. Your whole life policy, whether new or old, is the key. Forget the noise about interest rates; it's about who controls your loan. Take a listen to hear how becoming the banker in your life can transform your financial decisions.

Episode Highlights 01:27 - Explanation about how the whole life policy works and the benefits of the infinite 02:54 - Suggestion to separate the conversation about interest rates and to whom it's being paid. 03:37 - Explanation of a loan policy where the loan holder has guaranteed, first-position access to get a loan against the equity in their policy. 04:10 - Contrast between home equity loans from banks and loans from life insurance policies. 05:00 - Discussion on the benefits of an unstructured loan and the importance of discipline in repayment. 06:57 - Importance of being in control of your own business decisions and loan repayments, instead of letting the bank call the shots. 08:15 - How having control over your finances can help you handle unexpected obstacles more effectively. 09:47 - Reiteration of the importance of focusing on loan guarantees and an unstructured loan provision over the interest rate.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Join Wade today as he navigates the age-old debate: Is the tool more valuable than the mastery of the craft? He explores the financial industry's obsession with product design and emphasizes the importance of knowledge and effective tool use. Tune in to empower yourself with financial wisdom and discipline, focusing on building your financial future step by step.

Episode Highlights 00:51 What carpentry analogy means 01:10 Criticism towards the people in the industry focusing on selling the tools instead of teaching methodologies and skills. 01:43 The need for empowering people to become their own bankers 02:59 The concept related to sports, specifically golf 04:33 Gaining knowledge and understanding rather than just purchasing a product 05:21 Importance of focusing, process, and understanding on savings, as opposed to only focusing on the tools 06:07 Sage Wealth, the focus on developing financial knowledge, and the use of financial tools 06:21 How to use a tool over the actual tool or product design 06:51 Importance of discussion and strategizing in financial decisions 07:55 To engage in conversations with financial advisors and to challenge them 08:18 Necessity of taking action along with education for effective financial management.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Joining Wade again is Kyle Fuller of Factum Financial. In this podcast episode, they delve into the often underestimated concept of acquisition costs and its vital role in sustaining a business. They shed light on Factum Financial's innovative strategies that support insurance agents in this aspect. Factum's approach encompasses a franchise-like model, the utilization of a Cash Flow Dashboard for tracking wealth, and comprehensive educational courses for ongoing client enlightenment. This integrated system not only enhances efficiency but also fosters robust relationships, guiding both agents and clients toward a path of prosperity and success.

Episode Highlights 01:27 The reason most insurance agents fail during their first 24 months in the business 03:42 Cost of technology as part of the cost of acquisition 06:11 Why you should get a mentor 07:32 The need for adequate infrastructure and professional help for new agents to effectively manage their time and resources 09:56 Why agents fail in the business in the first two years 15:49 Analyzing the reasons for agent failure in the business due to challenges posed by having to do everything themselves 18:51 Personal gratification obtained from working to build systems and processes that empower agents to have an easier, more enjoyable time in their businesses 23:22 Importance of ongoing education and client care after selling a policy 30:28 Cash flow dashboard: A system developed to provide agents and clients with a high-level wealth conversation in a systematic manner

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Kyle Fuller
• kyle@factumfinancial.com
• https://factumfinancial.com/
• https://www.linkedin.com/in/kyle-fuller-9516311a9/
• https://podcasts.apple.com/us/podcast/powered-by-factum/id1703272284

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In this podcast episode, Wade and Kyle discuss their unique approach to leadership development within their agencies, which also happens to offer insurance services. Their primary focus lies in empowering their team members and cultivating a thriving community atmosphere. They place a strong emphasis on personal and professional growth strategies, including the transformation of unproductive habits into productive ones, as well as promoting long-term, purposeful thinking. Tune in as they share insights into their training programs and mastermind gatherings designed to educate and empower their agents to become effective leaders.

Episode Highlights 02:56 The cost of acquiring experience and how they apply it to their current practices 06:06 The importance of ensuring their leadership team grows, enabling every agent to have their own visions 08:32 The importance of joining events like Truth Concepts to gather knowledge and build relationships 15:21 Why you should always start with gratitude 17:55 Replacing non-productive habits with very productive ones; no instant results, but improvement over time 18:50 The role of small changes in achieving business goals 22:16 Creating more abundance through leverage 29:00 The need for a proper plan for success and the allegiance to clients over the long term 33:07 The significance of community giving and shared learning experiences 34:25 The power of organic conversation and how these chats can attract more people, further expanding the networking opportunity

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Kyle Fuller
• kyle@factumfinancial.com
• https://factumfinancial.com/
• https://www.linkedin.com/in/kyle-fuller-9516311a9/
• https://podcasts.apple.com/us/podcast/powered-by-factum/id1703272284

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Wade and Kyle Fuller of Factum Financial discuss the ethos at Factum - using their business to build an abundance-minded community founded on strong relationships. They highlight the 'infinite banking' concept, using life insurance as a tool for financial education to empower others. Finally, they advocate for whole life insurance and infinite banking to serve clients and attract passionate contributors. Tune in today to hear more about the infinite banking concept!

Episode Highlights 00:44 What makes Factum unique 02:00 Building a community and how it can't be bought or mimicked 05:24 Attracting people with shared values into the community 08:36 The five areas of life where to create abundance in life 12:23 The most important things in the five areas of life 16:33 Wade's insight about agents being mission driven to teach infinite banking 19:40 What sets the Factum community apart 23:05 Characteristics of a successful agent in the business 25:01 The ability of thinking long-term among the agents in their company 28:57 Philosophy of go-giving and how it boosts monetary gain 32:15 The dedication to mutual success within partnerships

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Kyle Fuller
• kyle@factumfinancial.com
• https://factumfinancial.com/
• https://www.linkedin.com/in/kyle-fuller-9516311a9/
• https://podcasts.apple.com/us/podcast/powered-by-factum/id1703272284

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In this episode, Wade dives deep into the intriguing question: Is whole life insurance the ultimate savings vehicle? He passionately makes the case for why whole life insurance, often misunderstood as an investment, stands out as a powerful long-term savings strategy. With certainty, professional management by large institutions, and a contractual guarantee, whole life insurance offers a unique approach to securing your financial future. Join us in rethinking traditional savings methods and explore the potential of this often-overlooked financial tool. Schedule your call with Wade today!

Episode Highlights 00:30 Is whole life insurance the greatest savings vehicle? 01:13 Whole life insurance and its valuable characteristics including longevity 01:25 Long-term over short-term thinking in financial decisions 03:08 Whole life insurance offers certainty and allows for long-term planning 04:45 Professional versus amateur management of bond and real estate portfolios 07:42 The contractual guarantees covering a whole life insurance policy 09:24 The importance of rethinking

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Joining Wade today is Kyle Fuller of Factum Financial. During this episode, they discuss their shared vision for the life insurance industry. They emphasize focusing on community and relationships, and their goal of building a mutually owned agency with 5,000 agents. Their principles are summed up by the acronym FACTUM (Focus, Authentic Leadership, Compelling Vision, Training and Coaching, Unrelenting Innovation, and Mutually Owned). They believe in intentional growth in all life aspects and aim to create long-term abundance. Tune in today to hear more about this industry.

Episode Highlights 02:51 - They share how their collaboration has resulted in a synergy which has made their business stronger. 09:58 - They discuss their aim to build a mutually owned agency with 5,000 insurance agents, with a long-term vision of serving a million families in 10 years. 18:15 - Emphasis is placed on the importance of loving one's occupation and the joy of making an impact on people’s lives through work. 23:25 - They reiterate the importance of maintaining strong relationships in the insurance business and the value of problem-solving over product selling. 3:33 - Borth talks about the importance of storytelling in business growth, stressing the need to have a large audience to share their story with, and how it evolves over time. 35:10 - They discuss the element of acceleration in the business for those wanting to earn a million dollars. 37:25 - The end goal they identify is to build a community where everyone is looking to give back more than they receive.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In today's episode, Wade shares his insights on empowering individuals to discover their unique abilities and align their actions with their values. Whether you're an agent looking to build your practice or a client seeking financial guidance, Wade's mentorship approach will inspire you to reach your highest potential. Tune in for a transformative conversation on the power of mentorship and self-discovery.

Episode Highlights
01:55 - The essence of building relationships as a fundamental aspect of success, no matter who you're in contact or business with.
08:24 - The significance of collaboration in the insurance industry as opposed to competition, emphasizing on building relationships.
15:45 - The significance of intentional growth, highlighting the need to have a clear vision of where you want to go to avoid drifting aimlessly.
17:56 - Personal growth and family in creating a life of abundance.
19:32 - Shares an insight on focusing energy on people eager for help, rather than those reluctant to change.
22:11 - The problem many new agents face is lacking leadership skills.
35:10 - Discusses the idea of adding people to one's business to manage different roles, enabling the business owner to focus solely on driving leads.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Kyle Fuller
• https://www.linkedin.com/in/kyle-fuller-9516311a9/
• https://factumfinancial.ac-page.com/book-appointment

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Join Wade today as he explores the powerful concept of redirecting your money flow to an entity you own and control. He breaks down how this concept applies to real-world scenarios, from car purchases to personal finance. Discover the hidden costs of traditional banking methods and learn how to retain your money within your own financial ecosystem. Tune in to uncover the potential of having your money work for you, not just for others.

Episode Highlights 00:50 Is buying a car worth the investment and can help save you some cash? 02:26 How money is often flowing away from an individual to other institutions 05:11 The strategy of keeping money within the system rather than letting it flow away 07:02 The cost of acquisition involved and how Wade’s son learned to do the job and is now able to contribute further to the family’s economy 08:03 Have money redirected to an entity that you own and control 08:57 Consider how much of your money flows out of your system and into other institutions 09:23 The first step to take control: Save 10 to 30 percent of income to create a personal pool of money.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Today, Wade is joined by Terry Hellenbrand, an exceptional guest with a unique journey from growing up in a family water conditioning business to becoming an innovative thinker and problem solver. Terry's unwavering curiosity led him to develop a groundbreaking solution for water treatment, defying conventions and proving that success often stems from questioning the norm. Tune in as we delve into Terry's inspiring story, exploring his passion for IBC and how he serves others through his distinct approach. This conversation showcases the power of challenging boundaries and forging your own path. Tune in today!

Episode Highlights
00:51 Terry's passion for Infinite Banking Concept (IBC)
02:54 Terry shares how his family built a successful business by continuously reinvesting their earnings back into the company.
05:06 He shares the process of selling his share of the company and plans to take some time off after exit.
07:46 Discussion about Terry's approach towards understanding his customer's needs by asking questions and listening to their issues.
09:11 Wade and Terry discuss future planning for financial security in businesses.
11:26 Terry shares a story about his father borrowing money from clients when banks wouldn't lend him money, emphasizing the importance of trust and relationship in business.
18:49 Discussion on why decentralized lending and borrowing can lead to better decisions as it's based on character rather than fear and greed of banking institutions.
23:57 Terry talks about how having money saved in his whole life policies allowed him to buy properties without needing a loan from banks.
35:28 Terry asserts that he has no plans to stop assisting clients in infinite banking, as he genuinely enjoys it.
37:10 Thinking outside the box for successful small business operations.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Terry Hellenbrand
• terry@factumfinancial.com

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In this episode, Wade is joined by special guest David Hanks, an old farm boy, to discuss his transformative journey with Infinite Banking Concept (IBC). They'll explore the impact of controlling the banking function in your life, sharing personal stories about farming challenges, and unexpected banking decisions. Join them for an inspiring and insightful conversation that sheds light on the power of IBC to regain financial freedom and stability.

Episode Highlights
01:27 Wade’s devastating experience where his father was pressured by a banker to drop life insurance, which had dire consequences when his father died
03:27 How David started on his own
07:02 The blow of being denied banking help at a crucial time in his farming business
11:08 How this influenced his journey in figuring out alternative financial
16:16 His big takeaways from the critical moment when the bank pulled the rug under him
22:04 David’s initial skepticism about the IBC
24:34 How those with wealth actually practice strategies like the IBC, they just don't advertise it
27:33 David’s drive and determination to adopt IBC and his "can-do" attitude in face of adversities
28:26 Great lesson from being rejected by a bank agent
33:16 The goal is not to become a client's personal banker, but to empower them to become their own banker

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Hanks
• david.hanks@factumfinancial.com
• https://www.factumfinancial.com/the-team/

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In today's episode, Wade discusses the idea of starting businesses without the fear of failure and highlights the power of properly structured whole life insurance policies in eliminating that fear. By embracing the principles used by major financial institutions, individuals can take control of their banking function and unlock new opportunities for personal and financial growth. Join us on this inspiring journey by scheduling a call with us and engaging with our insightful content. Let's conquer fear and embrace the potential of infinite banking together!

Episode Highlights
01:16 - Thoughts on what could be achieved if fear of loss was removed completely.
02:27 - Talking about how properly structured whole life insurance can eliminate fear of loss in the process of starting a business.
03:20 - Discussing how the fear of financial loss can be eliminated.
04:33 - Highlighting the irrational fears of individuals regarding financial investments and losses.
05:11 - Describing the strength and security of whole life insurance and how traditional banks use it.
05:40 - Clarifying the analogy of spending pennies to make thousands using the principles of banking.
06:06 - Encouraging listeners to apply these principles to their life.
06:33 - Challenging listeners to take control of their banking function and evaluate potential opportunities.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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In this final episode of the collaboration between Wade and Tarisa, they talk about the objections and misconceptions that come with the Infinite Banking Concept. They talk more about the difference between traditional banks and using your whole life policy to be your own banker. If you have reservations about IBC, this episode is for you. Tune in to get more clarity around becoming your own banker and the financial freedom you've dreamt of!

Episode Highlights
02:56 The safety of traditional banks vs life insurance companies
06:21 Thinking long range and avoiding short-sighted, risk-prone decisions that banks and companies make
09:50 Using the two vehicle sample in dealing with your policy
11:58 Difference between mutual insurance companies
15:03 Differentiating stock companies and mutual companies
17:38 The buy and sell concept
20:04 Contractual guarantee insurance policies can provide against borrowing capital
26:01 The power of having ready cash or liquid assets which not only solves problems but also maintains control over personal finance

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Tarisa Shelton
• https://www.factumfinancial.com/the-team/
• https://www.youtube.com/watch?v=Q99YuFDhzpU

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Continuing this series with Wade and Tarisa, today, they talk about the journey that is IBC. It's about changing the rest of your life and how you go about that change. Not everyone's journey is going to look the same. We are driven by different goals and values but ultimately want the same financial freedom and control in our lives. Tune it to part three to hear more about the steps to start your journey and some of the questions you should be asking yourself along the way.

Episode Highlights
00:50 The journey and evolution of thought in personal financing
02:50 Sharing the message with others and assisting them in understanding the process
5:23 When is the best time to get started
09:16 Multiple policies as a lifelong journey
10:09 The importance of sustainable growth
10:58 Metaphor of planting seeds and harvesting
14:15 Poor families and conditioned thinking
18:13 The implications of the aforementioned scenario are further evaluated, thus emphasizing the importance of profit-taking
19:50 Tarisa speaks about a mental exercise she usually walks people through, showcasing the potential of all the money a person has earned and spent throughout their life
21:24 The practical application of IBC and how to model success by understanding banking principles on a personal level
23:18 The concept of owning the loan portfolio for increased profitability and its importance in creating a passive income stream
23:46 The potential profitability of owning the access to cash and welcoming the role of a financier for family or business

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Tarisa Shelton
• https://www.factumfinancial.com/the-team/
• https://www.youtube.com/watch?v=Q99YuFDhzpU

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For part two of this series, Wade and Tarisa discuss the client; who is the person coming to her and wanting to learn more? She often finds people are wanting more out of the financial part of their life which in turn leads them to wanting more out of life. Are they achieving their dreams and goals? How can IBC help them get further ahead and take more control? Take a listen today to see if you should be having a conversation about IBC!

Episode Highlights
02:05 Tarisa's love for discussing financial matters with people who are always learning and value personal and financial growth
09:04 The characteristics of people Tarisa enjoys connecting with
12:15 The importance of living your life for the benefit of others
16:18 The concept of infinite banking
22:57 The idea of thinking like a bank and taking over the banking function in one's life
25:10 How the banking industry benefits from people willingly depositing their money
26:53 Why you should read Nelson's book and start joining in on these types of financial discussions

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Tarisa Shelton
• https://www.factumfinancial.com/the-team/
• https://www.youtube.com/watch?v=Q99YuFDhzpU

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Fellow IBC Practitioner Tarisa Shelton joins Wade today (and over the next few episodes) to share her journey into IBC. She shares about her past and watching her parents take the traditional finance route and how that affected their lives. Moving forward for herself, she wanted to learn how to better her financial success. This is when she learned about IBC. Tune in to listen to how easy it is to get started towards a better banking function in your life and the impact it will have on you, your family members, and other generations.

Episode Highlights
02:27 Tarisa opens up about how her father's sickness and the financial implication affected her views on financial systems
04:31 Her hard work in college and her time teaching English in Korea
09:12 How she started implementing her newfound financial plan
12:18 Difference between passion and purpose
15:51 How financial planning should include contingencies for when things don't go as planned
18:15 Why we usually think like consumers instead of business owners or bankers when it comes to our finances
20:23 The importance of being curious and asking questions early about finances
23:46 Peace of mind in regards to finances is priceless

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Tarisa Shelton
• https://www.factumfinancial.com/the-team/
• https://www.youtube.com/watch?v=Q99YuFDhzpU

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Sage Wealth Strategy was built on the desire to help clients take control of their financial future through education and empowerment. Rather than trying to sell just another financial product, we teach them new processes for managing their money. Listen in to hear about the five-step process to help you truly understand your current financial situation then schedule a call with us to create a strategy to reach your goals!

Episode Highlights
00:17 The importance of understanding the process of personal finance
01:05 The four steps to solving financial problems
02:14 Accepting the same results as everyone else is not always the best approach
03:20 Asking yourself who is truly in control of your financial decisions
04:23 Recognize the unseen costs associated with financial strategies
07:39 Understanding your Why
08:19 The importance of creating a long-term impact through generational planning and knowledge-sharing

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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With recent changes to tax laws, many Americans found themselves with much smaller tax refunds than they anticipated. Most chalk it up to the belief, “that’s just the way government and taxes work,” others are more upset. Believing the government is out to rob you of your hard-earned money is a limiting mindset. In reality, the government wants you to reduce your taxes. Reducing your taxes may sound complicated but it doesn’t have to be. The key is to understand how you can take advantage of the legal options available to you. Schedule a call with us to help develop a strategy that aligns with your goals and values

Episode Highlights
00:17 The government wants you to reduce your taxes as a way to influence behavior
01:24 The majority of the tax code is designed to save you money through deductions and other means
02:16 How the tax code is used to incentivize behavior, such as investing in housing, to benefit society.
03:40 Charitable donations and using them as deductions, government encouragement
04:50 Using properly structured whole life insurance as a tax-advantaged strategy.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Do you have an estate tax problem? Most people say no. And they are right, you may not have one today, but you could in the future. If you haven’t heard about the Sunset Provision? This could impact the amount of taxes your loved ones have to pay after your death. Tune in to hear more about how to protect your assets from this wealth destroyer.

Episode Highlights
00:48 The sunset provision in the 2018 Tax Cut and Jobs Act
02:16 How estate tax exemptions will change in 2026 and potential consequences
04:34 Possibility of exemption limit being cut in half in 2026 and planning for the future
06:15 Gifting strategies and using trusts or family limited partnerships
07:15 Importance of having conversations and planning ahead for tax changes

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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When most people think of planning for the future, their first thought relates to saving for retirement. While retirement planning is an important piece of the puzzle, many don’t think beyond their early retirement years. Though often overlooked, preparing for long-term care is a necessary part of aging. Don’t Go Broke in the Nursing Home provides readers with an outside the box approach to preparing for long-term care. Schedule a call with us to make sure you're adequately prepared and protecting your assets.

Episode Highlights 00:50 The financial struggles of Wade’s family 01:34 The importance of having conversations about money 02:24 After college, Wade decides to pursue a career in the insurance industry where he feels he can make a significant impact 03:20 How Wade met R. Nelson Nash and learned about infinite banking which changed his mindset about finances 06:13 Principles for prosperity starting with the importance of thinking and mindset 07:22 Seeing the big picture and envisioning where you want to go 08:20 Money and net worth: Don't hoard or hold onto it, put it to work 09:00 Take control of your finances and understand the importance of moving and growing your mindset 10:15 To multiply and leverage people to help achieve more together

Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ wade@sagewealthstrategy.com

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Today, Wade is celebrating his 100th episode with Mike Brevik from Cyberdogz Marketing. During their conversation Wade shares what he's learned in this process, how having a podcast has impacted his business, and the added value it's brought to not only his clients but also his listeners. Here's to the next 100 episodes!

Episode Highlights 00:50 How the podcast began and its journey so far, focusing on empowering listeners to take control of their money and personal financing system 02:24 The podcast's role as a calibration process for Wade Borth's brand and guiding principles 04:42 Stories of clients and non-clients who have been impacted by the podcast and how it has helped reinforce or expand their understanding of concepts 07:45 How guest interviews have influenced and evolved Wade Borth's approach to discussing his message and ideas 10:55 Favorite podcast episodes with guests like Mary Jo Irmen, Monty Flack, and the series on Becoming Your Own Banker. 15:14 - Plans for future podcast episodes, focusing on empowering people to reach their maximum potential and align their values with their actions.Highlights and timestamps: 18:22 The importance of having an open mind and searching for better ways to handle personal finances. 19:15 Wade Borth's journey to learn about the Infinite Banking Concept and connecting with Nelson Nash. 22:21 The power of sharing personal stories and experiences to resonate with listeners and attract like-minded people. 23:55 Emphasizing the importance of knowing one's "why" and aligning values within long-term relationships. 27:21 Lessons learned from producing 99 podcast episodes, including active listening and refining the message. 31:02 The importance of being genuine and connecting with listeners in podcasting. 35:14 Recognizing that personal growth and understanding is not a linear process. 34:26 Celebrating the milestone of 100 episodes and expressing gratitude to the listeners. 36:32 Acknowledging the commitment required to maintain a podcast alongside business and personal responsibilities.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Mike Brevik
• https://www.cyberdogzmarketing.com/
• https://www.linkedin.com/in/michaelbrevik

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They say actions speak louder than words and that’s true for money management too. Rather than listening to what banks and wealthy people say they’re doing, we should be observing how they really spend and store their money. Listen in to hear how putting your money in motion will build and grow your wealth.

Episode Highlights 01:08 Money is like water and there is one pool of money in the world, similar to how there's one pool of water 01:56 The power of flowing money, compared to the power of flowing water 02:13 Stagnant money loses value to inflation, taxes, and fees 03:03 Banks put money to work and make it flow to generate revenue 03:29 Putting ourselves in the position of being the banker and making money flow 04:19 Storing money for a long time without purpose can lead to stagnation and loss 04:46 Generating wealth by having a flow of money, similar to water generating power through flow

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Have you ever associated a certain smell, phrase, or sound to a specific time, place or person? Maybe the smell of chocolate chip cookies baking in the oven reminds you of your grandma. Or, perhaps you can clearly picture an object in your mind just by hearing its name. That’s conditioned thinking! Conditioned thinking is present in how we view financial products and growing wealth, too. Tune in to hear more about how letting go of conditioned thinking can grow your wealth!

Episode Highlights

• 00:17 Wealth as an exercise in imagination, logic, reason, and prophecy
• 01:03 The importance of thinking differently to avoid the financial struggles of the retiring baby boomer generation
• 02:47 Challenging conventional financial advice and considering creative alternatives, such as investing in real estate instead of a 401k
• 04:32 Fighting conditioned thinking and taking control of personal finance
• 05:23 Observing the financial strategies of successful, wealthy people
• 06:42 The importance of taking a step back and thinking about long-term financial goals
• 08:42 Transitioning from making "noisy money" to "quiet money”
• 09:37 Encouraging a prosperous mindset and engaging with others who share a similar mindset Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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I didn't know an encounter with Nelson Nash many years ago would have such an impact on my life path. Sage Wealth Strategy was born out of the desire to teach people a new process for understanding and managing their finances. Having a deeper understanding of your finances changes the way you view your money. My passion lies in teaching people how to make their money work for them by maximizing their cash flow as they plan for retirement. It is my belief that with the proper education and right strategy, you can create a legacy that can be passed on for generations.

Episode Highlights

• 00:17 Wade discussing his background and upbringing in North Dakota on a farm, as well as his pathway to working in the financial services industry
• 03:37 How Nelson Nash's infinite banking idea and Barry Dagg's book Pirates of Manhattan influenced Wade's perspective on financial planning and control
• 05:52 The eight principles to prosperity, beginning with 'think' and the importance of mindset
• 07:21 The second principle, 'see,' emphasizes having the end in mind and setting goals
• 07:46 The third principle, 'measure,' involves comparing progress from year to year and focusing on personal improvement
• 08:17 The fourth principle, 'flow,' emphasizes the importance of keeping money in motion and not hoarding it
• 09:00 The fifth principle, 'control,' focuses on maintaining personal control over finances and decisions
• 09:52 How the sixth principle, 'move,' encourages continual progress and adaptation to change
• 10:17 The last principle, 'multiply,' focuses on leveraging talents and working with others to achieve goals
• 11:01 Aligning your values with your action and having other people join your team Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Retiring to something requires planning whereas retiring from means you aren't looking towards new opportunities. Getting to retirement doesn’t have to leave you feeling worn out and defeated. With the right guide to help you navigate the peaks and valleys along the way, you’ll arrive at the summit of retirement ready to embrace the next part of your journey and face any challenges that may come your way. Schedule a call with us to make sure you're retiring to rather than from.

Episode Highlights

• 00:17 Discussing two groups of people: Those retiring from something vs. retiring to something
• 01:12 The importance of having a purpose that can be fulfilled with enough money and time during retirement
• 01:45 Retooling one's purpose in retirement and staying engaged with life
• 03:28 Concerns about interest rates, inflation, and taxes during one's retired years
• 04:23 Various factors and considerations to find one's purpose and achieve fulfillment in retirement.
• 04:53 Embracing change and staying active in older years Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Whole life insurance differs from term life insurance in the sense that it is designed to be in effect for your “whole life.” But it really should be called Death Insurance because it’s designed to help replace an income or asset due to death. Life Insurance isn’t a bad investment but it’s the only one that offers a “contract” and tells you what it’s going to do over the course of its life. It isn’t a short term investment product, but rather an investment over time. Tune in to see how having a Whole Life Insurance policy can benefit you in more ways than you think.

Episode Highlights

• 00:39 Whole life insurance is not an investment, but serves a different purpose
• 02:14 Life insurance is a language of love
• 03:30 Establishing a foundation of certainty with whole life insurance
• 04:35 Comparing whole life insurance to term life insurance
• 07:48 How life insurance is a guaranteed contract
• 09:41 Life insurance companies are looking at the next quarter century
• 10:26 Using the infinite banking concept with life insurance Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Today, Wade dives into the four steps to the Infinite Banking Concept: Recognize the problem, request help, understand the process, and characteristics of the ideal product to solve the problem. Take a listen as Wade breaks down each step further to help you understand the benefits of following this process and how it can change the way you look at your finances.

Episode Highlights

• 00:42 The importance of taking things in order to get the proper outcome in implementing the Infinite Banking Concept.
• 01:40 The problem that the Infinite Banking Concept tries to address
• 02:44 The first step in understanding and implementing the Infinite Banking Concept
• 03:15 The Second step: Wanting to change your position and searching for something different to get better financial results
• 04:42 Third step: Learning a process to think about money and make better financial decisions.
• 12:04 The ideal characteristics of the perfect savings account, including tax-deferred growth, tax-free distribution, and competitive returns
• 15:55 Importance of having collateral opportunities in a perfect asset, allowing you to borrow against it when needed, such as for growing and expanding your business, and having the access to money that's not correlated to the market
• 18:17 The various characteristics of the "perfect asset"
• 24:48 How the permanent life insurance offers the most benefits and fits the criteria of a perfect asset
• 29:44 The four steps to building and understanding the Infinite Banking Concept
• 30:51 Taking control of your banking system by applying the principles discussed in the podcast and gaining control of your financial life Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Fellow IBC Practitioner and author Luke Tatum joins Wade today to discuss his book and what drew him to pursue the Infinite Banking Concept. They talk about the importance in controlling the mechanics of how you bank so you aren’t caught flat footed with forces beyond your control. Many people take access to capital for granted. Listen in to learn how you better control the banking function in your life and have access to capital whenever you need it.

Episode Highlights

• 03:39 How people can relieve stress about finances by questioning the fundamentals of money access and capital, and recognizing the importance of controlling the mechanics
• 07:40 Financial empowerment and the importance of controlling one's personal banking function
• 11:12 Luke's financial book, Between the Lies, and what led to its creation.
• 15:16 How success in one area, like finances, can lead to success in other areas of life
• 16:37 The importance of being responsible for your financial life and taking control
• 21:12 Some people are afraid to take responsibility for their financial life because they fear the consequences if things go wrong
• 35:23 The appeal of a whole life insurance policy
• 37:18 Emphasizing the advantages of flexibility, ownership, and control in choosing a life insurance policy
• 38:14 The differences between mutually-owned companies and Wall Street-owned companies in relation to policyholders' interests
• 39:51 The importance of contract law for whole life insurance policies and having guaranteed access to a line of credit
• 40:42 Comparing depositing assets in a bank versus a mutually-owned life insurance company
• 42:34 Questioning whether someone would rather be a customer or owner of an insurance company, relating to stock-owned vs. mutually-owned insurance companies
• 44:04 The concept of "quiet money" with whole life insurance policies Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Luke Tatum
• https://betweentheliesbook.com/
• https://perfectspiralcapital.com/
• https://www.linkedin.com/in/luketatum

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When planning for retirement, many of us have been conditioned to save using tax-deferred plans like an employer-sponsored 401(k) or IRA. The idea behind these accounts is to allow you to put away untaxed money to save for retirement. If your retirement savings strategy is to only utilize tax-deferred accounts, you may be setting yourself up to pay more to withdraw your funds. Tune in to learn about how diversifying your portfolio is the best way to plan for retirement!

Episode Highlights

• 00:18 Why people are making silly choices
• 01:10 The government creates this problem called overtaxation
• 03:08 Where do you think tax rates are gonna go in the future?
• 04:55 The most passive income you can have during retirement
• 08:27 Let's start thinking about how the game ends and then start taking actions today. Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Listen in today as fellow IBC practitioner David Zapata joins Wade to discuss his journey from immigration to growth and transformation. They talk about growth taking time, intentions, experiences, and purpose. David walks us through how he got to where he is today after coming to America 16 years ago. Tune in to hear how his growth journey could help you!

Episode Highlights

• 01:18 - Change is inevitable. Growth is optional.
• 02:46 - Being raised in Colombia, South America.
• 07:06 - Starting a journey where they realized that they needed to get more education.
• 09:28 - Why not take control?
• 14:31 - Today, right now, immediately, we really can't do much about where we're at now, but we can change what's going to go on in the future.
• 20:03 - Empowerment comes with a lot more responsibility.
• 22:24 - If you don't have any money flowing, if you hold onto it like sand, it will run through your fingers.
• 24:54 - Explaining to people that IBC is not a product, it's a thought process.
• 35:23 - The ultimate goal is to empower you to be the best that you can be.
• 38:09 - The idea of taking control of your banking function, knowing you're the one in control, and now your thought process changes, and your actions are going to change, but you don't know that until you go down that pathway. Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Zapata
• davidzapata@factumfinancial.com

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It’s safe to say planning for retirement is one of the best things you can do for yourself. That being said, it can be a confusing process. There are a lot of elements to consider when determining how much money you’ll need. One way to ensure you’re in control of your retirement fund is by understanding the two economic powers that come into play; investing in the economy and actuarial science. Listen in to learn more about these powers and use them together for maximum benefits.

Episode Highlights

• 00:18 Two economic powers of retirement
• 01:13 The problem with deciding how much money you need for retirement
• 02:22 What is the second economic power of retirement Actuarial Science?
• 05:17 Why those with assets are miserable while those with income cash flow are happy in retirement Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade and Barry continue their conversation today on the safety of insurance companies and the complications around traditional retirement accounts. They control your money - whole life insurance allows you to control your own money. Access to and control of money is the most important part of your retirement. Listen in to hear more about how you best control your retirement investment.

Episode Highlights

• 02:44 How to get access to Barry Dyke’s book, The Pirates of Manhattan
• 04:45 The idea of guaranteed incomes
• 10:34 Retooling to gain some passive income
• 13:24 Different retirement planning strategies
• 16:01 Why retirement in the US is considered of low standard
• 20:17 Life insurance contracts for retirement planning
• 22:43 The benefits of whole life insurance
• 27:01 Controversial bank practices
• 29:05 Benefits of bank-owned life insurance
• 32:54 Bank investments in life insurance and non-profits Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Barry Dyke
• https://www.barryjamesdyke.com/
• Pirates of Manhattan: https://www.amazon.com/Pirates-Manhattan-Barry-Dyke/dp/0979317703
• https://www.facebook.com/thepiratesofmanhattan
• https://www.youtube.com/channel/UCMgvWBPowk4xZ-hcfh9-SUw

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Today Wade is joined by Barry Dyke to discuss pensions, guaranteed income, and purchasing Whole Life to “de-risk” terminated pensions. Safest place to warehouse your capital is a whole life insurance company. They discuss retirement planning and the desire to provide safe, secure passive income. Tune in to hear a great conversation about retirement options and how insurance companies can change the retirement game.

Episode Highlights

• 02:44 How to get access to Barry Dyke’s book, The Pirates of Manhattan
• 04:45 The idea of guaranteed incomes
• 10:34 Retooling to gain some passive income
• 13:24 Different retirement planning strategies
• 16:01 Why retirement in the US is considered of low standard
• 20:17 Life insurance contracts for retirement planning
• 22:43 The benefits of whole life insurance
• 27:01 Controversial bank practices
• 29:05 Benefits of bank-owned life insurance
• 32:54 Bank investments in life insurance and non-profits Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Barry Dyke
• https://www.barryjamesdyke.com/
• Pirates of Manhattan: https://www.amazon.com/Pirates-Manhattan-Barry-Dyke/dp/0979317703
• https://www.facebook.com/thepiratesofmanhattan
• https://www.youtube.com/channel/UCMgvWBPowk4xZ-hcfh9-SUw

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In today's episode, Wade gives a refresher on the Infinite Banking Concept. So what is IBC? It’s learning to borrow from yourself instead of corporations and allowing you to build your own wealth rather than someone else’s. Tune in to learn more about the elements that make IBC successful: time, money, and discipline.

Episode Highlights

• 00:18 What is the Infinite Banking Concept?
• 01:01 Personal success story: Taking control of finances.
• 04:17 Exploring the Infinite Banking Concept: A Step-by-Step guide
• 05:41 Steps to make it happen and start taking control of your finances and banking system
• 09:55 The discipline of financial planning Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Tune in today to listen in as Wade talks about the different types of Long-Term Care policies and the benefits of each. You can make a Long-Term Care (LTC) policy work for you with the right information and understanding that not all LTC coverage is equal. Visit our website to schedule a call to help determine which policy is right for you!

Episode Highlights

• 00:46 Exploring nursing home insurance and long-term care
• 02:19 Why should you get long-term care insurance?
• 02:54 Reasons why people are not getting long-term care insurance
• 05:18 Benefits of purchasing long-term care insurance: A personal story
• 09:10 Learnings from getting a long-term care insurance Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Todd Bookspan joins Wade again today where they talk about the fear of rising interest rates and how taking control of your finances can help ease that fear. They talk about thinking outside the box when it comes to investing and investment opportunities.

Episode Highlights

• 2:58 Moving from fear to knowledge in exploring opportunities in real estate
• 6:11 Taking advantage of the chaos to create opportunities in real estate and the stock market
• 8:11 Reducing fear by taking control
• 9:02 Benefits of having access to cash
• 13:28 Techniques to start taking control of your financial life
• 14:07 Why are people buying real estate?
• 15:58 Impact of the housing market on financial security
• 19:59 Real estate investment strategies and interest rates for long-term mortgages
• 21:38 The benefits of cold plunges for mental and physical health Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Todd Bookspan
• https://winbynoon.com/
• https://www.instagram.com/winbynoon
• https://www.linkedin.com/in/toddbookspan
• https://www.instagram.com/toddbookspan
• https://www.youtube.com/channel/UCDSJ3FfJkben9b-zbIoe0Tg

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Today, Wade is joined by Executive Coach Todd Bookspan, owner of Win By Noon. During this episode, they discuss the importance of time-blocking and how to make the most of your day by being as efficient as possible by creating processes that work for you. Tune in to learn how to get the results you want from your day.

Episode Highlights

• Getting to know who Todd Bookspan is. - 1:02
• The concept of Win by Noon. - 1:36
• How to get in touch with Todd Bookspan and Win by Noon. - 6:34
• Getting started in real estate investing while having a W2 job. - 8:10
• Zero down payment options for home buyers. - 11:00
• Real estate investment strategies for young professionals. - 12:15
• Type of people who’ll become successful, rich, and wealthy. - 19:20
• The impact of the rising interest rates on financial decisions. - 22:13 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Todd Bookspan
• https://winbynoon.com/
• https://www.instagram.com/winbynoon
• https://www.linkedin.com/in/toddbookspan
• https://www.instagram.com/toddbookspan
• https://www.youtube.com/channel/UCDSJ3FfJkben9b-zbIoe0Tg

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For many young professionals just starting to accelerate their careers, retirement planning is often the last thing on their minds. But anyone who has retired or is near their retirement will tell you that it’s never too early to plan for it. Starting early puts less pressure on you down the road, and ensures your nest egg isn’t depleted soon after retiring. Listen in to learn the five ways to start saving for retirement now rather than later.

Episode Highlights

• When is the best time to start thinking about retirement? - 0:17
• Things to think about once you start retirement planning. - 1:10
• People who have the best “retirement years”. - 3:09
• Taking control of your financial future. - 4:04
• Analyzing your goals for retirement planning. - 6:09 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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If you’re in the workforce, there’s a good chance you’ve thought about your retirement to some extent. With an increase in life expectancy, ensuring there is enough money for retirement is a struggle many people face. Tune in to listen as Wade talks about the importance of laying out a plan that provides you clarity and predictability when it comes to retirement income.

Episode Highlights

• The three fears of people retiring. - 0:23
• Understanding life expectancy and rationing resources. - 1:58
• Two things to think about when you’re planning for your retirement. - 3:30
• The best ways to guarantee income. - 4:06
• Using real estate to generate passive income. - 6:37
• People living in “just in case” moments and not enjoying their retirement. - 7:58
• Thinking long term and thinking abundance. - 8:58 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Joining Wade today is career transition, Franchise Consultant Scott Milas. Wade and Scott discuss how to discover financial freedom through franchise ownership, as well as how to franchise their current company. Wade adds how the Infinite Banking Concept can be a great place to get the cash to start the franchise process. Tune in to see if owning a franchise is the right path for you for passive income.

Episode Highlights

• Who is Scott Milas? - 2:08
• The difference between the entrepreneur who’s a visionary and those who want to develop processes and systems by themselves. - 7:14
• The beauty of franchising. - 10:05
• Different pathways of businesses that people can follow. - 16:01
• The processes of helping people. - 18:59
• Scaling your business. - 24:50
• How to get in touch with Scott. - 26:59
• Who are his ideal clients? - 27:27
• Characteristics of people who become successful in the franchising space. - 28:51
• Essential steps for researching the right franchise. - 31:20
• What your exit strategy should be. - 34:20 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Scott Milas
• https://scottmilasfranchisecoach.com/
• https://www.facebook.com/ScottMilasFranchiseCoach
• https://www.linkedin.com/in/smilas/

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Wade is joined by colleague and fellow IBC Practitioner, Tom Suvansri from Perennial Pride to discuss the concepts of IBC (Infinite Banking Concept), some of the practical mindsets, the challenges, AND their experiences and individual perspectives.

Episode Highlights

• Uncertainty and weird things to people that take them off guard. - 1:09
• Struggles that Tom’s family experienced. - 2:47
• The importance of discipline in financial planning. - 3:55
• Scarcity mindset versus prosperity mindset. - 9:27
• The difference between Dave Ramsey and R. Nelson Nash. - 10:55
• Benefits of becoming your own banker. - 15:01
• Being in control of your own finances. - 18:19
• The Infinite Banking System as a roadmap to financial freedom. - 21:55
• Benefits of the Infinite Banking System for generating wealth - 27:37
• Importance of mindset in achieving success. - 29:43 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Tom Suvansri
• https://perennialpride.com/
• https://www.facebook.com/perennialpride/
• https://twitter.com/perennialpride
• https://www.youtube.com/channel/UC6N7YVoDx7BSRdiYRRb1BiA

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Wade is joined by friend and colleague, Michael Hansen of ProfitMax Professionals to talk about why it's important to control cash flow. The primary issue holding some entrepreneurs back in their profits is the way they are managing their cash flow. Wade and Michael talk about how to optimize the financial return on time, money, and risk back into their business.

Highlights

• Getting to know who Michael Hansen is and how he helps his clients. - 1:50
• Who’s the ideal clientele? - 3:32
• Different types of business commingling and how to avoid them. - 6:51
• Using grandma’s envelope concept in business. - 12:07
• Why businesses fail. - 15:16
• Benefits of having a reserve fund for your business. - 19:25
• Why should you start thinking long-term for your business? - 20:00
• The cost of acquisition: Why the cheapest rate is not always the best option. - 23:13
• The benefits of being a note investor. - 24:39
• Intentionality in financial decisions. - 27:21 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Michael Hansen
• http://truepurposeadvisors.com/
• https://www.facebook.com/ProfitMaxPros/
• https://www.linkedin.com/in/michaelstephenhansen

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Joined today on the podcast is Zack Booth, Founder of Driving For Dollars Mastery, where he helps people replicate his success through real estate investing. Wade and Zack talk about going through tough times and wanting to change. They discuss the most significant thing you need to change: drive and what that drive looked like for both of them through their lives and careers. Highlights

• Who is Zack Boothe? - 0:19
• The bigger you get, the less money you’re getting. - 1:28
• Transitioning from window washing to real estate investing. - 3:36
• Deciding and understanding what you want to gain success. - 6:36
• What real estate wholesaling is about. - 9:33
• The power of wholesaling. - 13:58
• Importance of controlling the banking function of your life. - 17:23
• Success stories of Zack’s students. - 19:58
• Finding motivated sellers. - 24:47
• Different ways to make money from real estate. - 26:42
• Knowing your target audience - 30:32
• Common mistakes people make when getting into real estate investment. - 34:42
• Hiring the right mentor. - 36:06
• The advantages of being a woman in the real estate investment business - 41:53 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Zack Boothe
• https://dfdmastery.com/
• https://www.linkedin.com/in/zackboothe
• https://www.youtube.com/channel/UCL9LDToGJCruOImtdwvnXBw

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Joe Robert, CEO of Robert Ventures joins Wade on the podcast today. He believes we are in the early stages of a digital economy and shares his experience with investing in cryptocurrency. They talk about taking advantage of market trends and how investors experience and triple their wealth during a bear market.

Highlights

• What is Joe Robert’s background and specialty? - 0:52
• What drove Joe to invest in cryptocurrency. - 4:26
• Is crypto for everyone? - 6:40
• The fees being paid in Web 3.0 and the software space. - 11:38
• Taking advantage of opportunities with Joe through their 36
• Month Term at a 10% Annual Interest Rate - 14:14
• How to reach out to him and his team. - 15:05
• Hiring an expert in the stock market space. - 18:12
• Is there still a space or opportunity for people to make money on real estate? - 23:23
• Benefits of having access to cash. - 26:10
• The future of digital assets and investments. - 29:57 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Joe Robert
• https://robertventures.com/
• https://www.linkedin.com/company/robertventures
• https://www.linkedin.com/in/joemrobert

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In today's episode, Wade is joined by Brandon Cobb of HBG Capital where he shares actionable advice about using real estate investing as a form of passive income. Wade and Brandon dive into controlling the systems and processes you can use to grow your business.

Highlights

• Who is Brandon Cobb? - 1:36
• The process of building a business - 4:29
• Nashville is an affordable and attractive market for real estate investment. - 5:12
• The risks of high-return investments like cryptocurrency. - 11:58
• What sponsors should be looking at when making a deal. - 13:50
• Importance of vertical integration and controlling the banking function. - 15:59
• What a typical investor looks like. - 21:27
• How to reach out to Brandon. - 24:05
• Impact of economic downturns on housing markets - 25:43 Benefits of being a real estate professional. - 28:50
• What holds back people from being successful: Questions to ask. - 32:21
• How much is a reasonable amount to invest? - 36:43
• Brandon’s favorite books to read. - 38:28 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Brandon Cobb
• https://www.hbgcapital.net
• https://www.instagram.com/hbgcapital
• https://www.linkedin.com/in/hbgcapital
• 100 Questions Passive Investors Should Be Asking

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On today's episode of the Wade Borth Podcast, Stephanie Walter, CEO of Erbe Wealth, joins us to talk about creating wealth through passive real estate investment. Stephanie specializes in multi-family real estate investment opportunities and shares her thought process of making your money work for you and how to make money on the buy.

Highlights

• Who is Stephanie Walter? - 0:19
• The process of moving from insurance to real estate. - 3:14
• Determining her tribe who helped her business grow. - 6:41
• What her niche is. - 7:40
• Waking with accredited investors. - 10:07
• How does the economy affect her business? - 16:35
• Money myths debunked. - 20:32
• Who her clients and ideal clients are. - 25:24
• How to reach out to Stephanie Walter and take advantage of their teachings. - 26:58 Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Stephanie Walter
• https://erbewealth.com/
• https://www.linkedin.com/in/stephanie-walter-057594196

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Wade is joined today by Jonathon Goldhill of the Goldhill Group. They talk about family businesses being an economical unit passing from one generation to another. As each generation takes over family businesses, they have to adapt to changes in technology and grow the business through the different seasons in life. Listen as Wade and Jonathan talk about what it takes to keep family businesses going beyond the third generation!

Highlights

• Who is Jonathan Goldhill? - 1:37
• How he started with the idea of building businesses. - 2:13
• The reasons why Jonathan decided to write a book. - 5:45
• How a family business can start to grow. - 7:45
• What the book, Disruptive Successor: A Guide to Driving Growth in Your Family Business, is all about. - 10:52
• The most important takeaway is when a family business becomes successful. - 16:35
• What can kill a business? - 19:30
• Reasons why people are working with a business consultant. - 21:05
• What’s an ideal client for Jonathan? -26:49
• Best ways to reach out to Jonathan. - 29:29

Episode Resources

• Becoming Your Own Banker by R. Nelson Nash
• In the Kingdom of Ice by Hampton Sides
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Jonathan Goldhill
• Disruptive Successor: A Guide to Driving Growth in Your Family Business
• https://thegoldhillgroup.com/
• https://www.facebook.com/TheGoldhillGroup
• https://www.linkedin.com/company/the-goldhill-group

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Wade is joined by Mark Podolsky from The Land Geek in today's episode. Considered an expert on buying and selling raw and undeveloped land, they talk about why raw land is the best passive income and how to create wealth efficiently. Mark walks through his process of finding, buying, and acquiring raw land and then creating wealth efficiently. Tune in to learn more!

Highlights

• How Mark got started in becoming a raw land developer and investor
• The importance of a happy customer guarantee
• What a client can gain from the Frontier Equity Properties company
• How to sell raw lands for a passive income
• Primary characteristics of people bring in capital and make it work
• The importance of time, money, and discipline in investing
• Risks and rewards of investing in raw land
• What Mark’s typical client looks like
• The biggest risk in investing
• First three steps on how to get started
• The Abundance Mentality in private equity and hedge funds

Episode Resources * Becoming Your Own Banker by R. Nelson Nash * In the Kingdom of Ice by Hampton Sides * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mark Podolsky * Dirt Rich * https://www.thelandgeek.com/

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Today’s guest, Jacob Vanderslice, is a Principal at VanWest Partners, a Denver-based real estate investment firm focusing on the acquisition and management of self-storage centers and other opportunistic real estate throughout the United States. VanWest has established a track record with over $195mm in real estate assets. Jacob and his partners’ success is driven by a commitment to delivering an expertly-executed, adaptable strategy with an institutional investment approach.

Highlights

• Who Jacob Vanderslice is
• How the VanWest Partners deliver an expertly executed and adaptable strategy
• Why they are investing in the self-storage avenue
• What is his definition of wealth
• What the biggest hurdles are when it comes to investing in real estate or self-storage type of units
• What are the three ways to participate in the space
• What are the two different types of designations that sponsors will typically do for a capital raise
• The downsides of investing in real estate
• Is Jacob seeing a price appreciation with his investment?
• What criteria they are following when it comes to evaluating a potential acquisition
• How to find more information and get a hold of Jacob and VanWest Partners
• Where to read more about self-storage investment

Episode Resources * Becoming Your Own Banker by R. Nelson Nash * In the Kingdom of Ice by Hampton Sides * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Jacob Vanderslice * http://vanwestpartners.com/ * jacob@vanwestpartners.com * https://www.linkedin.com/in/jacob-vanderslice-02905b16b

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Wade is joined by Wealth Coach, Award-Winning Entrepreneur, and Best-Selling Author Jackson Millan, also known as The Wealth Mentor! Jackson has spent the last decade shaking up the wealth industry. He is the co-founder and CEO of Aureus Financial, a best-selling author, and the host of the Enjoy the Journey podcast. Don't miss this one!

Highlights

• Who is Jackson Millian
• What his mission is as The Wealth Mentor
• How to define your destination
• How we make changes in our lives
• Wade’s four founding principles
• Controlling the financing
• What is a lifestyle business
• The consumer mindset
• What are the three requirements for getting your business and turning it into a wealth-creation machine?
• What are the three questions you should ask yourself
• How to find Jackson Millian

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Jackson Millian * https://www.aureusfinancial.com.au/ * https://www.facebook.com/jackson.millan * https://www.facebook.com/thewealthmentoraus/ * Get The Business Scorecard To Break Through Bottlenecks And Unlock Hidden Profits * Book a Podcast: Aureus Financial

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Wade welcomes the President of Infinite Banking Concepts LLC and a Director of the Nelson Nash Institute, David Stearns. Wade and Davis talk about all things IBC and share some great memories of R. Nelson Nash. You're not going to want to miss this one!

Highlights

• How Wade met David
• Where Infinite Banking is focused
• The purpose of the invitation-only Think Tank
• His experience working with Nelson
• How the Nelson Nash Institute formed
• What the common misconception is about the institute
• What the benefits are of being told “no” for a reason
• How do they handle students, especially those who can’t get certified
• Where to get more information about David

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with David Stearns * https://infinitebanking.org/ * https://infinitebanking.org/what-is-infinite-banking/meet-david-stearns/

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Wade is joined by colleague and fellow IBC Practitioner, Monty Flack. Monty is also the Co-Founder of Factum Financial and believes in empowering small business owners to have MORE CONTROL and MORE MONEY using a time-proven process. In this episode, Wade and Monty break down the reality that you CAN'T finance a funeral. So then what?

Highlights

• Who is Monty Flack?
• What is Monty’s understanding regarding the Hispanic culture surrounding debt, money, and spending
• The experience made him realize the importance of life insurance
• If he could change something, what would it be?
• How life insurance can be a great tool for your life

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Monty Flack * http://factumfinancial.com/ * https://www.facebook.com/FactumFinancial * https://www.linkedin.com/in/monty-flack-2380ba17 * https://www.instagram.com/monty.flack

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Wade is joined today by Heather Dreves who works with people looking for passive real estate investment opportunities. They talk about how the Infinite Banking Concept works hand in hand with real estate opportunities. Wade and Heather are both very passionate about generational wealth and why it's essential and what it can do for families regarding passive income.

Who’s The Guest?
Heather Dreves is the Director of Funding at Secured Investment Corp. She is a tenured employee that has worked in the Private Money Industry for over 15 years and held her series 63 license. Heather has been directly involved in selling over 100 million dollars in Trust Deed Mortgages and raised over 30 million in Secured Investment Corps High Yield Equity Funds. She has had experience in assisting underwriting and managing the Cogo and Servicing team in addition to Investor Relations.

Highlights

• Who is Heather Dreves?
• Finding her own niche in a really passive environment
• How the Secured Investment Corp works and how they help clients
• The disadvantages of owning real estate on an individual basis
• What does a Secured Investment Corp’s ideal client look like?
• Heather’s suggestion to someone who wants to start investing
• The difference between short-term rentals and midterm rentals
• How to get in touch with Secured Investment Corp or Heather Dreves

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Heather Dreves * https://www.linkedin.com/in/heather-dreves-6204a242 * https://securedinvestmentcorp.com/

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What is the problem? In this episode, Wade talks about the problems that hold us back and keep us from doing the right things with our finances. We need to identify the problems, take action, and TAKE CONTROL and start by listening to this episode!

Highlights

• What kind of freedoms do people want?
• How you can identify your paradigm
• Which is better: Knowing the right solution or identifying the problem first?
• How challenging your existing thought process works

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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In this last episode, Wade and Nicole discuss the key points or points to consider when thinking about the Infinite Banking Concept. How do we find dollars that work? What happens if we have a downside in the economy? And overall, why you should want to learn more about the Infinite Banking Concept.

Highlights

• If it’s your first time reading R. Nelson’s book, what’s the best part to start with?
• The problem with 401k’s
• The different pitfalls of real estate that you have to understand before investing
• The importance of having a death benefit
• How to get started in policy buying and how you can make it work for you.

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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In this last chapter of Becoming Your Own Banker, Wade and Nicole talk about the subject of being uninsurable. Many people may think because of their age or their health, that they aren't insurable when in fact, they are! From an IBC perspective, it doesn't matter - it comes down to the death benefit and Paid-Up Additions. Listen to learn more.

Highlights

• How can somebody be uninsurable?
• When designing and building a policy, what are the characteristics it should have?
• Transforming life insurance into a family finance system: How it works
• If you’re uninsurable, what happens next?
• Reasons why people are getting policies for their kids and grandkids
• How you can start computing your rate of return

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate, to talk about the value of a college degree. They talk about the pressures of attending college today and the value it has versus teaching the child the value of learning banking through the use of dividend-paying whole life insurance.

Highlights

• What the values of having a college degree are
• Why people are going to college
• What the real impact is of sending kids to college to retirement
• What you can do to be well-informed: Understanding the costs of making a decision

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Continuing their review of Becoming Your Own Banker, Wade and Nicole talk about the importance of generational wealth and how to get that path started. They talk about the importance of teaching youth about money and how to invest in their future.

Highlights

• The advantages of using your policies more
• How you can use the money to generate income
• What the benefits of getting policies on your younger kids or grandchildren are
• Who should be in control of your money
• How you can use your policies to start generating income
• What a guaranteed exit valuation is

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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In this chapter of reviewing Becoming Your Own Banker, Wade and Nicole talk about why it's better to finance anything you buy through your banking system than directly out of your pocket.

Highlights

• Is savings considered investing?
• Why banks don’t want you to understand the banking process
• The two different financial vehicles
• The purpose of having a savings
• What are the advantages and disadvantages of putting your money into investment
• The biggest confusion people have regarding owning a policy
• Why do banks put a tremendous amount of money with insurance companies
• How banks are making money
• What is an external rate of return and what should you be focusing on

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Continuing on with the series Becoming Your Own Banker, Wade and Nicole talk about the cost of acquisition of finance. The cost is broken down into time and opportunity, not just dollars. They dive more into the cost (time and opportunity) in getting the things we want in life and if you are in command of your banking function, you don't have to go through the full cost of acquisition.

Highlights

• The effects of re-reading and doing more book studies around R. Nelson’s books
• What is the cost of acquisition
• Paying in dollars versus spending time: What the challenges are in acquiring a house
• Which is more important: Having more money or making more time
• What it is costing you to acquire a business
• How Wade set up their family’s banking system
• Why do people think that financing is a get-rich-quick scheme

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Continuing on with the series Becoming Your Own Banker, Wade and Nicole talk about the cost of acquisition of finance. The cost is broken down into time and opportunity, not just dollars. They dive more into the cost (time and opportunity) in getting the things we want in life and if you are in command of your banking function, you don't have to go through the full cost of acquisition.

Highlights

• The effects of re-reading and doing more book studies around R. Nelson’s books
• What is the cost of acquisition
• Paying in dollars versus spending time: What the challenges are in acquiring a house
• Which is more important: Having more money or making more time
• What it is costing you to acquire a business
• How Wade set up their family’s banking system
• Why do people think that financing is a get-rich-quick scheme

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, Wade and Nicole talk about how to capitalize on your system and implementation, how to change your priorities, and then realize the value of becoming your own banker.

Highlights

• What the retirement trap is
• Why the retirement trap gets so much attention
• What the government’s role is in retirement
• What the most dangerous thing you can do with your money is
• Who Ted Bena is
• Who should be in control of your money
• Why life insurance is favored
• Why being in control of your own financial system is more desirable and why it can benefit you more

Episode Resources * The Creature from Jekyll Island * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, Wade and Nicole talk about how to capitalize on your system and implementation, how to change your priorities, and then realize the value of becoming your own banker.

Highlights

• What the topics of today’s episode are
• What’s Nicole’s take on the book after reading it for the first time
• How you can reorder your financial situation to benefit in the long term
• How you can change the priorities in your life
• How you can recognize that controlling the banking function is the most important
• Why is it better to not have any extra money
• What elite-level coaching is
• The purpose of surrounding yourself with like-minded people
• When is the best time to get started
• What are the perks and benefits of controlling the banking function
• How Wade and Nicole can help other people as the gatekeepers

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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For the last part of talking through the most in-depth chapter of the book, “Equipment Financing”, Wade and fellow IBC Practitioner, Nicole Tate continue their discussion on why you should start controlling your own banking function and why you should own your own policy. Listen in to learn more!

Highlights

• Wade and Nelson’s conversation about finance companies and emulating what they are doing
• Who controls the one pool of money
• Who should own the policy
• How can a company get a deduction and use it as a tax strategy using a policy
• Why do you need to own your banking function

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, Wade and Nicole talk more about retirement, borrowing money from your insurance, and line of credit. Stay tuned to hear more about growing your dividends, interest, and premium interests!

Highlights

• Why Nelson is never a big fan of retirement
• How to use retirement as a financing system and start taking passive income from it
• How the closed system works and how you can make it much bigger and better
• The Contract Law
• Line of credit and how it works
• Why Wade wants to be in control: His experience with Wells Fargo pulling out their line of credit
• What the big misconception is on how borrowing from an insurance company works
• How you can grow your dividends, interest, and premium interest

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, Wade and Nicole talk through the most in-depth chapter of the book, Equipment Financing. You won't want to miss this one!

Highlights

• Why the equipment financing chapter is one of the most exciting chapters of the book
• Why is it important to look at the equipment financing process and take control of the banking function in your life
• Who do you want to control the banking system
• What the three things are to make the process work
• Why R. Nelson Nash thinks that no customers will seek out

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, we learn the option, the best approach, and why you need to be cautious if you are wanting to put every dollar through an IBC whole-life policy. Time might not be on your side!

Highlights

• What the difference is between the process of getting your paycheck in the past and now
• What process is better for consumers
• How the banks are controlling the banking function
• How the consumer sees buying life insurance
• How you can end up with more death benefit
• How you can use your imagination when buying insurance
• Why you need to be cautious of the money you’re putting into your policy

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, we learn the option, the best approach, and why you need to be cautious if you are wanting to put every dollar through an IBC whole-life policy. Time might not be on your side!

Highlights

• What the importance of today’s topic is
• What the fun part is of rereading the book, Becoming Your Own Banker
• Why mortgage is the first debt that you should attack and clear first
• How do you identify the most important things that you should attack and solve first
• Why you should start controlling your wealth-building assets
• What the different ways of financing vehicles are
• What the zero line illustration is
• Which is better: Paying in cash or leasing?
• Who do you want to be: The owner of the bank or the customer of the bank?
• What the differences are between paying interest to the finance company and paying the insurance company
• Why people are attracted to infinite banking
• How premium is not a problem, but a solution

Episode Resources * Becoming Your Own Banker * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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What is the golden rule? Simple... Those who have the gold make the rules! Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate to continue their discussion (chapter by chapter) of Becoming Your Own Banker by R. Nelson Nash. Don't miss this one!

Highlights

• How the government influences behavior
• The reasons why a lot of people are not talking about money
• What people actually do with their money
• How people can start building up capital
• Why people are abdicating their opportunity for their responsibility to the banking function in the economy
• What the two types of businesses are
• What to expect for the next episodes to come

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate to continue their discussion (chapter by chapter) of Becoming Your Own Banker by R. Nelson Nash. This episode focuses on The Willie Sutton Rule, which states that one's first choice should be to choose the most obvious route. Named after bank robber William Sutton, the rule applies to investors in that they should most often seek out low-hanging fruit first, before trying more obscure strategies. Interested? Listen in to learn more!

Highlights

• Who the biggest thief is
• How to know what the value of a business is
• Where should people put their money: In a savings account or a retirement savings account?
• What is stopping you from taking action
• Why Nelson believes that the use of a dividend-paying whole life insurance policy is a solution
• How you can win by default

Episode Resources * Becoming Your Own Banker by R. Nelson Nash * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate, to continue their discussion (chapter by chapter) of Becoming Your Own Banker by R. Nelson Nash. In this episode, they tackle the human problem and Parkinson's Law. What is Parkinson's Law? Parkinson's Law is the old adage that work expands to fill the time allotted for its completion. Interested? Listen in to learn more!

Highlights

• The topics for today’s episode
• How you can grow in your knowledge
• The four steps of solving a problem
• How control leads to freedom
• When you should start capitalizing on your banking system
• What stops many people from building wealth and creating something bigger and better
• What’s the better approach to bringing luxury into your life
• Who Willie Sutton is and what Willie Sutton's law is all about

Episode Resources * Becoming Your Own Banker by R. Nelson Nash * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade is joined again by colleague and fellow IBC Practitioner, Nicole Tate. Listen in as they continue to discuss (chapter by chapter) Becoming Your Own Banker by R. Nelson Nash and in this episode, creating your own banking system through dividend paying life insurance.

Highlights

• How banks make money
• The reasons why you should create your own system through the dividend paying whole life insurance
• How you can start thinking like a business, not as a consumer
• Where big financial institutions are storing their liquid accessible cash
• What an insurance policy is and how can you benefit from it
• Who should be in control of your business
• How Albert the banker was able to become the largest landholder by taking control
• How infinite banking attracted Nicole
• The idea of infinite banking

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, they unpack the details behind creating a bank like the ones you already know about.

Highlights

• What the topics for today’s episode are
• Is banking a bad process?
• What makes Nicole’s perspective about the topics interesting
• The reasons why people use bank and put their money there
• What you have to do in order to start with the process
• Whose money are you getting when you borrow money from a bank?
• Why people are doing hard money lending
• What the problems with banking are
• Wade and Nicole’s takeaways from the lesson about banking

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Continuing from where they left off the last episode, Wade and fellow IBC Practitioner, Nicole Tate, carry on their discussions on Becoming Your Own Banker by R. Nelson Nash. In this episode, they continue to talk about “the problem” as well as using your imagination and thinking outside the box to know about more possibilities out there.

Highlights

• Using your imagination and thinking outside the box to know what possibilities are out there
• What the biggest problem is for investors
• What the process should be when paying back with money
• The process of changing your paradigm
• How learning to control your environment can be the most profitable thing you can do over a lifetime.

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and fellow IBC Practitioner, Nicole Tate continue their discussions (chapter by chapter) on Becoming Your Own Banker by R. Nelson Nash. In this episode, they talk about "the problem", the things that hold us back, and the obstacles that keep us from doing the right things with our finances.

Highlights

• What excited Wade about the episode today
• Practitioners seeing the problems immediately before regular people can see them
• The first step when finding the solution for the problem
• Is cash the solution to all problems?
• What the process of banking is
• Where the real solution starts
• Banks as the gatekeeper of your money

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade is joined by colleague, fellow IBC Practitioner, President of Practical Wealth Solutions, and Host of The Practical Wealth Show Podcast, Curtis May. Curtis is part of the Prosperity Economics Movement (PEM) and is dedicated to breaking down each client’s unique financial situation, so they can rebuild it to fit their ideal lifestyle. Don't miss this one!

Highlights

• Who Curtis May is
• How he got started
• What generational intergenerational wealth transfer is
• The three rules of investing
• Curtis’ saving strategy surrounding insurances
• What the power of association is
• The most valuable operations to have in your arsenal
• Why getting certified is important

Episode Resources * Rich Dad Poor Dad * The Richest Man In Babylon * The Intelligent Investor * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Curtis May * http://practicalwealthadvisors.com/ * https://practicalwealth.libsyn.com

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Wade is joined again by colleague and fellow IBC Practitioner, Nicole Tate to talk about The Grocery Store less with BYOB. Someone must perform the function of the grocer!

Highlights

• The marketing strategy of banks in the past: Using toasters
• The story of how a restaurant was able to control the supply chain
• Why you should use cash in financing everything that you do
• The problem when it comes to understanding how money works
• How you can empower yourself to take control

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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The Infinite Banking Concept is an exercise in imagination, reason, logic, prophecy, AND IMAGINATION. Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate to discuss (chapter by chapter) Becoming Your Own Banker by R. Nelson Nash.

Highlights

• The process of rethinking our thinking
• Is money a solution to solve a lot of problems?
• What everybody focuses on
• Understanding the process of banking
• Why do banks and financing institutions find a value in the dollar that has no interest-earning capabilities?
• Ways to get an interest in dollars

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Every journey has a beginning, so in this episode Wade is joined again by colleague and fellow IBC Practitioner, Nicole Tate to talk about how IBC got started.

Highlights

• How the infinite banking concept got started
• Having a root system
• Where Nelson’s clarity came from
• What the context of today's economic situation is
• Paying interest for your own money
• If you owe someone money, there are strings attached
• The best long-term strategy for dividends payment according to Nelson
• The best place to put your money

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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Wade is joined again by a colleague and fellow IBC Practitioner, Nicole Tate to break down the value and what it means to become your own banker. Listen in as Wade and Nicole continue to explore all aspects (chapter by chapter) of Becoming Your Own Banker by R. Nelson Nash.

Highlights

• There’s something new every time you re-read it
• The freedom that can bring to your life
• Understanding the “why” and what’s going on
• The process of banking and what we think about money
• Banks control the majority of the money
• We expect money to flow always
• How much of the banking function do you control
• Time, money, and discipline
• Understanding how money works is the ultimate solution

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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Wade is joined by fellow IBC Practitioner and student of the IBC, Nicole Tate! Listen in as Wade and Nicole discuss not only the journey to understanding IBC, but also as they break down the chapters of Nelson Nash's book Becoming Your Own Banker.

Highlights

• Nelson’s belief system regarding the banking process
• The two forms of finance
• Difference between the consumer mindset versus the business mindset
• Where investment comes from
• The simplest version of banking there is

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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Wade is joined by fellow IBC Practitioner and student of the IBC, Nicole Tate! Listen in as Wade and Nicole discuss not only the journey to understanding IBC, but also as they break down the chapters of Nelson Nash's book Becoming Your Own Banker.

Highlights

• Who Nicole Tate is and what process she had to go through
• The “We hear things, but maybe we don't listen to things” concept
• A consumer mindset when buying life insurance
• Money is not an issue, it’s the thought process
• What’s the best time to start getting your own insurance
• The infinite banking concept

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Nicole Tate * ntate715@gmail.com

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Wade is joined by owner, founder, and elite marketer Mike Brevik from Cyberdogz. Wade and Mike talk about the fears, the guts, and the focus of thinking differently and following through with it. It's a bold way of thinking, but the riches are in the niches for those who can do it.

Highlights

• Cyberdogz’s background
• Brand and logo creation consulting
• Getting to know somebody from the beginning
• Paying attention to yourself and your growth

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mike Brevik * https://cyberdogzltd.com/ * https://www.dogdayzapparel.com/

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Wade is joined by owner, founder, and elite marketer Mike Brevik from Cyberdogz. Wade and Mike talk about the fears, the guts, and the focus of thinking differently and following through with it. It's a bold way of thinking, but the riches are in the niches for those who can do it.

Highlights

• Doing things that you do not enjoy
• The reality of owning a business
• Most people are comfortable with expected results
• The belief start with yourself
• Be open-minded and accept other possibilities

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mike Brevik * https://cyberdogzltd.com/ * https://www.dogdayzapparel.com/

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Wade is joined by owner, founder, and elite marketer Mike Brevik from Cyberdogz. Wade and Mike talk about the fears, the guts, and the focus of thinking differently and following through with it. It's a bold way of thinking, but the riches are in the niches for those who can do it. 

Highlights

• Not everything has to be a financial discussion
• Two ways that changing happens
• Not being paralized by fear
• The riches are in the niches
• The tools that we have in our tool box
• Hire someone like Cyberdogz

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mike Brevik * https://cyberdogzltd.com/ * https://www.dogdayzapparel.com/

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Wade is joined by team member Kira Nyland to discuss Client Case Studies. The goal of this episode is to get you to think differently, use your imagination, and to ultimately realize that you too can control the banking function AND take back control of your financial destiny.

Highlights

• How do we put the theoretical idea of taking control of the banking function in your life and putting it into work? - 2:22
• The real transformation. - 7:51
• Whoever owns the money always wins the deal. - 11:25
• Taking advantage of the opportunity using your policy. - 14:42
• Who is really controlling the business? - 17:23
• We don’t know what the future brings. - 21:37
• Businesses that weren’t in your scope prior to COVID are now in your scope. All it takes is access to cash to make it happen. 25:17

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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For the last part of Mary Jo Irmen and Wade’s three-part talk, Mary Jo talks more about her two books: Farming Without the Bank and Without the Bank. They also discuss changing the vicious cycle in farming and what are the common problems why most farms are not making enough money. Coming from a family of farmers, Mary Jo shares what she thinks are the purchasing and taxation decisions that greatly impact the cash flow of most farmers.

Highlights

• Mary Jo’s books. - 0:47
• How can we use what Nelson is teaching us? - 4:13
• Changing the vicious cycle about transferring a farm from one generation to the next. - 8:33
• What’s the biggest part of the operation in farming? - 9:03
• Common issues why farms are not making money. - 10:20
• The idea of “I need to buy new equipment to save money on taxes.” - 12:54
• If you are not planning for down markets, nothing is up. - 14:42

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mary Jo Irmen * https://www.farmingwithoutthebank.com/ * https://www.withoutthebank.com/

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In this second part of his discussion with Mary Jo Irmen, founder of Farming Without The Bank and Life Without The Bank, Wade talks to her about the banking system and people’s behavior towards spending and earning money. Mary Jo also shares her experiences working with and empowering farmers. Together, they discuss the concepts behind infinite banking, dealing with banks, and the paradox of making a choice.

Highlights

• How much money flows through a farmer’s hand that you never see? - 1:03
• Money has to reside somewhere it has to flow. - 2:53
• What the infinite banking concept is dealing with. - 6:10
• What is the most important thing you’re getting from applying what Nelson talked about before? - 12:14
• Is the bank out of line? - 16:13
• Two of people’s biggest fears. - 18:25
• The paradox of choice. - 22:06

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mary Jo Irmen * https://www.farmingwithoutthebank.com/ * https://www.withoutthebank.com/

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Wade is joined by a colleague, author, and founder of Farming Without The Bank AND Life Without The Bank. Wade and Mary Jo are not only long-time friends but share a deep passion for IBC. Listen in as they share their stories, perspectives, and unfiltered thoughts on the banking process!

Highlights

• Who is Mary Jo Irmen and how did she come to IBC? - 1:25
• Having spouses on the same page as you totally understand it. - 5:11
• Is Nelson teaching the concept of the rates of return? - 8:53
• You’re not getting anywhere at 3 percent. - 10:32
• The issue with 401k. - 13:31
• Wade and Mary Jo’s first meeting. - 19:15

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Mary Jo Irmen * https://www.farmingwithoutthebank.com/ * https://www.withoutthebank.com/

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For many people, the subject of death is taboo. Maybe it is not death that we fear. We are afraid of uncertainty since most do not know their “when.”

Wade and Kira sit together to discuss the uncomfortable but inevitable concepts and realities of what happens beyond the grave. It is important to discuss death since we are going in this direction. It is whether you remain scared of it or embrace it. Nobody wants to talk about it, but this one is worth listening to. In this episode, their conversation revolves around what should be done beyond the grave. Wade emphasizes the importance of educating the next generation about money to keep the generational wealth alive.

Highlights

• You cannot carry money to your grave - 3:00
• The infinite banking concept idea - 3:34
• Financial education is vital: providing the next generation knowledge about money- 4:03
• Generational wealth and insurance policies: keeping the money alive - 7:17
• The life and wealth cycle: keeping things perpetually in motion - 16:41
• Families achieving freedom from the bondage: beyond the grave legacy - 19:41
• It’s not the wealth that makes things happen but determination - 22:11
• Dive deeper on how money works - 23:16
• Changing perspectives and goals about dollars: money is not evil - 24:21

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Kira Nyland is back on the podcast to help Wade flush out the why behind IBC and why it's so important to Wade, his clients, and those who are interested in taking control of the banking function. Listen in as Wade and Kira talk through the details and help answer the question of whether or not this is right for you.

Highlights

• The topics of today’s show. - 1:04
• Eyeopener: What resonated with Kira about the whole life policy. - 2:02
• The three things that people have to do to make it happen. - 2:35
• The biggest difference between moving from a consumer mindset to a business mindset. - 6:19
• The discipline that most people don’t understand. - 7:17
• One of the things that make the whole concept click. - 9:29
• Storytime: Three different examples that will make it relatable for people to say, “I now see that yes, this is right for me in addition to the time, money, and discipline aspect to it.” - 10:09
• What are Opportunities and Chaos? - 21:06
• Everybody can do it at any level. You just have that commitment to move forward - 28:16
• The possible solution. - 31:51

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade and Kira break down the "perfect" and/or ideal client and help listeners better understand whether they're ready to become a student of IBC and client of Sage Wealth Strategy. Of course, it's always a process, but there are a few key factors and mindset shifts you need to consider before you're ready. Are you ready to take control of your finances?

Highlights

• Making sure that the client’s values align with my values. - 1:18
• One of Wade’s core values. - 2:37
• Is it a good long-term strategy? - 4:31
• If you need to do something financially, you have to do it in a bank. If you wanna grow wealth, you have to do it on Wall Street. - 7:03
• Your client is not discriminated against by age or income. - 10:44
• Who is the client I would say is a good fit for me and my organization? - 13:03

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade welcomes back guest and new podcast sidekick Kira Nyland to the podcast! Wade and Kira talk about how money works and how we (typically) think about money. It all comes back to what we value and how we perceive the banking process. Think about it as you listen to this one!

Highlights

• What the topics will be for today. - 0:35
• Is the discussion of money difficult for other people? - 1:22
• The mindset of money. - 3:10
• Ask yourself: What’s the value you are getting? - 4:41
• What is always economical doesn’t always value equality. - 9:47
• You have to love yourself more than Wells Fargo. - 14:00
• People that have wealth think differently than people who don’t. - 16:14
• The meaning behind “You have to love yourself more than Wells Fargo.” - 16:28
• Does it apply to people of different ages? - 24:43
• What is wealth? - 28:27
• Thinking differently: Money is like water, it has to flow. - 34:02
• Why should you feel empowered? - 41:20

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade digs into the book "The Truth and Grace Paradox" by Randy Alcorn. In this episode, he reflects on the meaning of truth and grace, some relevant examples, and how we can all learn to use truth and grace to educate each other to achieve our goals.

Highlights

• Seeing what you need to see - 2:42
• What’s the truth - 3:51
• Truth and grace have to be in combination - 4:18
• What truth and grace really mean - 5:41

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.amazon.com/Grace-Truth-Paradox-Responding-Christlike/dp/1590520653

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From personal experience, Wade talks about the fact that banks hold (and control) lines of credit AND use tactics that make them a TON of money. Why play THEIR game with YOUR money? TAKE CONTROL and start by listening to this episode!

Highlights

• Having a line of credit - 1:14
• How banks make money - 4:11
• Why “suspending lines of credit” - 5:03
• Why inflation is an issue - 6:32
• The inflation idea - 7:07
• What are you doing to take control - 11:10

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade welcomes special guest(s) Fractional CFO to discuss the role of the Chief Financial Officer and how they approach this need in the industry with more value at a fraction of the price. If you're looking for logical insight on how to better manage the finances for your business, here's your chance!

Highlights

• What’s Fractional CFO - 1:11
• What’s the CPA - 3:01
• Being in the real estate industry for more than 10 years - 4:58
• Hiring professionals to do a professional job - 8:49
• It’s exhausting to work on your business - 10:02
• What they teach entrepreneurs to do - 11:10
• What the values are for a simple CFO - 14:30
• Profit first is a mentality and a formula - 18:02
• The cash flow methodology - 21:51
• The discipline of profit first - 28:58
• Save first, spend after - 31:39

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Richter and Michael Hansen
• david@simplecfosolutions.com
• michael@simplecfosolutions.com
• https://simplecfosolutions.com/

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Wade breaks down the truth behind the fact that the government (believe it or not) actually wants you to pay fewer taxes! BUT are you reading all the signs and asking the right questions? Find out now!

Highlights

• The tax code - 1:12
• Giving your options - 2:59
• Taxation and thoughts - 3:15
• Trying to influence behavior - 4:34
• Understanding the rules of the game - 6:31
• Do I need to understand the tax code? - 11:16
• There’s nothing we can do for taxation - 18:19

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Listen in as Wade examines how we treat our money. It would appear we love our banks (or at least treat them better) than we do ourselves and even our own family, at least from a financial perspective.‍ Are you guilty of this?

Highlights

• What is important to us - 0:58
• Do we love Wells Fargo more than we love our families? - 1:31
• Repaying money to your bank institution - 3:25
• You have to love yourself and love your family - 6:02
• Controlling the banking function - 6:44
• Are you willing to pay Wells Fargo? - 0:58
• Money is valuable - 12:19
• Stop thinking like a bank - 13:55

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * https://www.sagewealthstrategy.com/blogposts/lovefamily

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Listen in as Wade talks about the idea and art of mentorship with guest and colleague Nicole Tate. Don't miss out on their combined perspectives and experiences with mentorship inside of the finance industry.

Highlights

• Mentoring others - 1:41
• The idea of using infinite banking - 2:22
• The infinite banking concept and the arrival syndrome - 3:48
• It’s not about the product, it’s about the process - 5:05
• The importance of having a mentor - 11:19
• The concept is easy but the process is not necessarily easy - 12:46
• What’s a part of mentoring? - 17:56
• Coaching vs. mentorship - 22:00
• Being hungry for knowledge - 24:10
  Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade is joined by team member Kira Nyland to discuss some recent client situations and how you can avoid the same traps by doing an annual "Policy Health Check".

Highlights

• The relationship with your client - 1:58
• Empowering you to take control - 2:57
• Life changes - 3:32
• Working the most efficiently as possible - 4:47
• Your policy’s features - 6:04
• The power of your policy - 8:17
• Maximizing the benefits of your policy - 15:10

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with * Kira Nylandkira@sagewealthstrategy.com

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Ever heard the phrase "Don't Go Broke In The Nursing Home"? Listen in as Wade discusses reducing risk in retirement and preparing for long-term care!

Highlights

• Start with your mindset - 0:24
• Being a long-term thinker - 1:08
• What does retirement mean - 2:15
• Want to retire earlier? - 2:45
• Do not worry about retirement - 4:18
• Having more or less certainty - 6:48
• How to reduce risk - 12:32
• What’s your long-term strategy - 17:36
• Align your vision with your actions - 18:38
• Take control of your finances - 20:20
• Align your goals with your actions - 21:07
  Episode Resources
• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Listen in as Wade talks about the Infinite Banking Concept and its comparisons to nature. Sometimes it's all about how you explain things! Don't miss this simple explanation and self-rewarding concept.

Highlights

• The infinite banking concept - 1:05
• Read Nelson Nash’s book - 2:25
• How this process really works - 2:48
• The context of money - 5:08
• The velocity of money - 7:41
• Taking advantage of opportunity - 9:32
• What value do we see in our money - 12:40
• Controlling the banking function of your life - 13:34

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Tax season is here! If we lose money in the market we may get that back, but if you pay TOO MUCH in taxes, you will NEVER get that back! Listen as Wade talks about taxes in 2021!

Highlights

• Long-term thinking - 0:44
• Tax rates are going to change - 1:36
• What tax rate are you going to be paying? - 2:32
• Taking control of your finances - 5:14
• Creating cash flow for you and your business - 7:01
• Taking advantage of taxes - 7:55
• What income is and what income is not - 12:47
• Paying more in taxes today - 14:02
• Move forward - 14:22
• Be responsible with your money - 16:40

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com

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Wade interviews certified college planning specialist Ryan Keel. Listen in as they talk through the ins and outs of college planning and the strategy of the www.gocollegesmart.com approach!

Highlights

• Ryan’s background - 0:27
• Retirement planning - 2:25
• There’s knowledge in all of us - 3:31
• There are a lot of “financial entertainers” - 6:47
• We all start with family finances - 8:09
• The school selection - 11:12
• Three steps to follow - 14:12
• The dream school - 24:56
• Not knowing what you want to do - 26:16
• You have to go to school to be successful - 30:02
• There’s a lot of pressure from society - 31:28
• The best way to save for college - 35:55
• Take your time and educate yourself - 42:33

Episode Resources * Connect with Wade Borth * https://www.sagewealthstrategy.com/ * wade@sagewealthstrategy.com * Connect with Ryan Keel * www.gocollegesmart.com * www.collegequickplan.com * www.collegedata.com * info@gocollegesmart.com

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Wade explores the differences in planning vs. preparing and why preparing is the first step in taking control over your financial future. This episode provides the perspective a lot of us need to hear more often. It's time to think differently!

Highlights

• Talking about financial planning - 0:22
• Have a plan - 0:39
• Differences between planning and preparing - 1:04
• Empowering you to take control - 1:54
• Helping people to prepare - 2:59
• What are we doing to take control? - 5:33
• The ability to take advantage of chaos - 6:42
• Taking advantage of financial chaos - 7:26
• What are you doing to prepare? - 9:17
• Are we preparing or are we planning? - 10:07
• Being prepared for the unknown - 11:29

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Listen in as Wade talks about prospective, the "new normal", and the importance of thinking differently. The world and financial landscape is changing all the time, so why wouldn't our thinking evolve too?

Highlights

• We have to accept the “new normal” - 0:23
• The capacity to view things - 1:28
• How prospective has changed - 5:59
• Educate yourself - 7:37
• How he thinks about things - 9:38
• Do not be close-minded - 11:05
• Challenge your thought process - 15:12

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com
• wade@sagewealthstrategy.com

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Listen in as Wade addresses the dangers of conditioned thinking and the importance of keeping an open mind, questioning those things we have been conditioned to believe, and working with those that are thinking outside of the conditioned financial box. With the right strategy, the possibilities are infinite.

Highlights

• Dangerous conditioned thinking - 0:53
• How we have been conditioned - 4:22
• How do we change our perspectives? - 9:32
• Taking advantage of opportunities - 15:25
• Helping you understand what’s going on - 20:03
• We want people to change their perspectives - 24:00

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.sagewealthstrategy.com/blogposts/conditionedthinking

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Listen in as Wade addresses the truth on the fact that retirement planning isn’t as cut and dry as an employer-sponsored 401(k). He walks you through the most common misconceptions about planning for retirement.

Highlights

• Our strategy behind the retirement idea - 0:44
• What retirement means - 1:21
• It is a hot topic - 2:05
• Misconceptions about retirement planning - 2:25
• What your retirement plan should look like - 6:57
• Being a long-term thinker - 9:10
• Making decisions every day - 14:43

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.sagewealthstrategy.com/blogposts/5-common-misconceptions-about-retirement-planning

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Listen in as Wade tackles the right questions you should be asking yourself to fully maximize the way your money works for you and your financial future.

Highlights

• Are we asking the right questions? - 0:22
• What kind of return you want - 2:11
• Who do you want to be in control? - 2:57
• You want to be independent - 4:36
• There are people that do not want to know alternatives - 5:56
• Having an abundance mindset - 8:56
• The best you can do for yourself - 9:29
• The real cost of 401K - 12:24
• The best place to put your money - 14:04
• Are you using your money to grow wealth? - 14:42
• What is true wealth? - 15:10
• Having zero control of where the market goes - 15:54
• Look for certainty - 17:59

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.sagewealthstrategy.com/blogposts/ask-the-right-questions

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Wade addresses the Infinite Banking Concept. Although Infinite Banking, also called privatized banking or “banking on yourself” has gained attention recently, it isn’t a new concept. Don't miss Part Two as Wade explains this simple and self-rewarding concept.

Highlights

• What is the Infinite Banking Concept - 0:34
• The financing function in your life - 2:16
• Where are we storing our money? - 2:59
• Practicing the Infinite Banking Concept - 6:40
• Making a huge decision in life - 7:55
• Get educated and understand Nelson Nash’s key ideas - 12:20
• Who are we choosing to work with? - 13:46
• Where the true wealth goes - 17:22
• Read “Becoming Your Own Banker” book - 17:58

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.sagewealthstrategy.com/blogposts/what-is-infinite-banking

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Wade addresses the Infinite Banking Concept. Although Infinite Banking, also called privatized banking or “banking on yourself” has gained attention recently, it isn’t a new concept. Don't miss it as Wade explains this simple and self-rewarding concept.

Highlights

• Traditional banking - 1:48
• Time, money and discipline - 2:39
• Financing everything you do in life - 4:09
• What’s the Infinite Banking Concept - 6:06
• How we think about money - 7:58
• We are in two different businesses - 9:16
• Whoever controls financing wins the game - 10:06
• You have to capitalize - 14:43
• The cost of capital and cost of money - 21:28
• Control the banking function in your life - 25:32
• Using Nelson Nash’s book - 28:00

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.sagewealthstrategy.com/blogposts/what-is-infinite-banking

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Wade breaks down the meaning of capital and what value means to each of us. This perspective is important in defining immediate value and what matters to each of us in the long term. Listen in and think about what matters to you!

Highlights

• What are you spending your capital on? - 0:38
• Investing your capital in time and money - 2:33
• Being innovative - 4:23
• You need to love yourself and your family - 5:38
• Think on what’s important to you - 6:07
• What’s important to us - 7:02
• Help empower others - 10:20
• Wade’s job - 11:48

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade talks about the current issues in the world and breaks down the fear and anxiety that comes as a result. How do we handle it and what approach should we take to make it easier on ourselves? Wade addresses these questions and more!

Highlights

• Being fearful for a variety of different things - 0:19
• Think about why you are fearful - 1:58
• Taking control of the banking function - 3:25
• Wade’s Bullhorn Message - 5:35
• Mitigating the fear and anxiety - 6:44
• The “Becoming Your Own Banker” concept - 8:06
• Being less fearful - 9:55
• How you think about money - 15:00

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade breaks down the three most important things you can do when it comes to building wealth and understanding how your money is working for you. Having an idea of the factors that negatively impact your savings and investments will help to limit the damage to your wealth, too. Three wealth destroyers to be aware of are taxes, inflation, and fees, and here’s how they can affect your wealth.

Highlights

• Talking about an article - 0:22
• Money needs to flow in order to be valuable - 1:27
• Is getting out of debt a great thing? - 2:11
• There’s a lot of uncertainty and fear - 3:10
• Credit cards as a great tool - 5:54
• Control your savings - 6:44
• Take control of your finances - 8:04
• You are your best customer! - 9:00

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade talks with David Babinski of True North Resources to discuss how to wash the tax liability from 401k and IRA accounts and make it a TAX-FREE bucket of money!

Highlights

• Talking about taxes - 0:39
• Understanding and learning the tax code - 2:36
• Reducing taxes - 3:43
• What is the solution? - 7:03
• Making an IRA contribution - 8:09
• We have to reduce our taxes - 12:36
• Let's look at the things that are tax-free - 14:36
• Learning more about tax liability - 17:28
• Tax diversification - 17:53
• Get in touch with David - 19:00

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with David Babinski
• https://www.truenorthresources.net/roth
• davidbabinski@truenorthresources.net

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Wade breaks down the article “New Threat to the Economy” recently published in CNN Business; and who that threat is really pointing towards. Wade encourages us to TAKE CONTROL of our money and our financial futures.

Highlights

• Talking about the article - 0:56
• The seven principles of prosperity - 1:12
• Getting out of debt - 2:10
• Who should be in control of the banking function? - 2:30
• Having credit card debt - 5:15
• We need money and access to cash - 6:09
• Take control of your finances - 7:37
• Understand the infinite banking concept - 8:24

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Listen in as Wade explains and breaks down the purpose of the founding principles and "Bullhorn Message" behind Sage Wealth Strategy.

Highlights

• Knowing who you are - 0:30
• Wade’s Bullhorn Message - 1:10
• What type of client he likes to work with - 1:55
• Being a long-term thinker - 3:55
• Think on who you are - 6:08
• Empowering others - 7:31
• Taking control of your finances - 9:32

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade describes how money (like water) is more powerful when it's flowing rather than when it's standing still and how money in motion will build and grow wealth.

Highlights

• Money and water, what do they have in common? - 0:19
• How money and water are very similar - 1:20
• Taxes, fees and inflation - 2:27
• Growing our wealth - 4:11
• A way to grow wealth - 5:39
• Having your money flow - 6:24
• The Infinite Banking concept - 6:47

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

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Wade and Mike Brevik break down the reality that most people are in a different place financially than they might think and when faced with this reality, why listen to the generic advice that's generated for the masses versus the advice that's unique to your financial goals.

Highlights

• Uncommon vs. Common - 0:30
• Ordinary income in today’s world - 1:05
• Making reasonable income - 2:41
• Defining common vs. uncommon income - 3:51
• The right strategy for you and your family - 7:25
• What happens if you need cash - 11:11
• Coaching clients - 13:07
• Helping people understand their goals - 14:35

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• https://www.sagewealthstrategy.com/blogposts/uncommon-vs-common
• Connect with Mike Brevik
• mike@cyberdogzmarketing.com

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Wade sits down with his marketing director (Mike Brevik from Cyberdogz) to discuss and explain what a Wealth Strategist is compared to a traditional financial advisor.

Highlights

• What is a Wealth Strategist? - 0:39
• A Wealth Strategist as a quarterback - 1:00
• Investing money - 1:48
• Creating a financial wealth plan - 4:38
• Wade’s goals and beliefs - 7:30
• Caring about your financial future - 9:22
• What a strong strategy looks like - 10:17
• What control means for people - 14:12
• Education is a process - 18:16

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com
• Connect with Mike Brevik
• mike@cyberdogzmarketing.com
• https://www.cyberdogzltd.com/

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Wade briefly describes the mindset and theme of the Wade Borth podcast to help set the stage for listeners on what they can expect from Wade and each episode he records.

Highlights

• The goal of this podcast - 0:18
• Making an impact on people - 0:42
• The principles of the Wealth Strategist - 0:59
• Taking control of your money - 1:58
• Teaching the Infinite Banking concept - 2:32
• The banking function in our economy - 3:47

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• wade@sagewealthstrategy.com

View Details

Wade Borth is dedicated to teaching how to establish the right strategy to create generational wealth. In this podcast, Wade shares the tools for understanding and the clarity of how to to do this for you and your family.