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This episode dismantles the top seven objections one by one. We're answering them directly and showing why most criticisms reveal a fundamental misunderstanding of what whole life insurance actually is.

If you've ever hesitated to explore IBC because something you read online gave you pause, this is the episode for you.

Chapters: 00:00 – Opening segment 07:40 – Objection 1: Whole life is a terrible investment 15:45 – Objection 2: The rate of return is terrible 26:35 – Objection 3: You don't break even for years 34:45 – Objections 4 & 5: Why pay interest to borrow my own money? 45:25 – Objection 6: Agents make huge commissions 57:50 – Objection 7: This only works if you're rich 1:02:05 – Closing segment

Key Takeaways:

It's not an investment—it's savings. Whole life has no risk of loss, which by definition means it's not an investment. It's a savings vehicle with guarantees, privacy, and a death benefit. Stop comparing it to the S&P 500.

Rate of return isn't the only metric. The best-performing asset changes depending on your timeframe. Chasing returns is how people buy high and sell low. Wealthy investors prioritize control, understanding, and risk management before rate of return.

Policy loans aren't "borrowing your own money." You're borrowing the insurance company's money, collateralized by your cash value. Your money keeps compounding. That's the entire point.

Commissions aren't the gotcha people think. If agents wanted easy money, they'd get a securities license and collect 1% AUM fees for life. Whole life is harder to sell and pays less over time than traditional financial advising.

Is Infinite Banking a scam? If you've spent five minutes researching IBC online, you've seen the accusations. These objections are everywhere—YouTube comments, Reddit threads, Dave Ramsey clips. They sound convincing. They're also wrong.

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This episode examines Jordi Visser's recent analysis on what AI means for the labor market, why this isn't like previous technological disruptions, and how to position yourself financially when the old rules no longer apply.

We talk through the psychological impact on anyone raised in the meritocracy, why competing against entities that never sleep and improve every six months is fundamentally different than competing against other humans, and what it actually looks like to build a two-year financial runway.

Chapters: 00:00 – Opening segment01:35 – Jordi Visser article introduction 06:45 – The danger of refusing to update with new information 09:15 – I built an arbitrage bot in 12 minutes with zero coding knowledge 14:45 – Q3 2025: GDP up, profits up, employment down 16:30 – "Your labor is no longer required for our prosperity" 19:55 – The original 10,000-year bargain between labor and capital 23:10 – Today's graduates competing against entities 31:45 – Why whole life insurance shines brighter in this environment 40:15 – Uber drivers protesting robo-taxis ten years after disrupting taxis 52:30 – Building your runway 58:00 – Closing thoughts and how to position your assets

Key Takeaways:

This isn't the Industrial Revolution 2.0. Previous disruptions eliminated jobs but created surplus that funded new roles. AI breaks that chain—digital employees don't need wages, don't become consumers, and improve exponentially every six months.

The math changed. A college degree once guaranteed middle-class stability. Now it puts you in direct competition with entities that work 24/7, remember everything, and have no upper bound on capability.

Own assets or get left behind. When capital no longer depends on labor, asset prices can rise indefinitely while wages stagnate. Position yourself on the side of the equation that benefits.

Build your runway now. Hans tracks daily burn rate and is targeting two years of expenses in emergency reserves. Calculate yours: monthly expenses ÷ 30 = daily burn. Emergency fund ÷ daily burn = runway in days.

Protect, save, grow still applies—maybe more than ever. Guaranteed growth vehicles, physical precious metals, crypto, rental properties, and options trading all have a place in a portfolio built for uncertainty.

The social contract between labor and capital has held for 10,000 years: work generates value, value generates wages, wages generate surplus. Q3 2025 may have broken that contract permanently. GDP grew 4.3%, corporate profits hit record highs—and job growth collapsed to near zero. For the first time in history, the economy is thriving without creating jobs.

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You've heard us talk about Low Stress Trading for months now. You've seen the testimonials in the chat. Maybe you're still on the fence. This episode is the deep dive—we're breaking down exactly how IBC and options trading work together, running the actual math (even with worst-case assumptions), and sharing real results from clients who started trading less than four months ago.

We walk through the order of operations: should you fund your trading account first or pay premium first? How do policy loans actually integrate with a brokerage account? And what happens when the market eventually turns?

We also address the elephant in the room—why some people think this is a scam, and why that criticism fundamentally misunderstands how the strategy works.

If you've been waiting for proof of concept before jumping in, this episode gives you the numbers and the framework..

Chapters:

00:00 – Opening segment

01:35 – Credit card discussion

04:42 – IBC + low stress trading integration

06:18 – Three core questions we're answering this episode

07:43 – Everything financial is connected—your dollars are one ecosystem

09:27 – Will the bull market last forever?

11:08 – Why it's felt like the bottom could fall out for five years straight

13:47 – The importance of growth strategy even within protect-save-grow

14:53 – What happens when the market tanks and trading gets harder

16:02 – Why having capital on the sideline matters

19:03 – Using one policy for investing, one as an untouched emergency fund

22:13 – Treating the policy loan as interest-only (and why that's different than a car loan)

25:22 – Brian's whiteboard: $50K policy loan compounding at 1%/week

28:54 – Year-by-year breakdown with taxes and loan interest factored in

37:42 – Worst-case scenario still produces 31% annual returns

40:07 – Order of operations: fund premium first or trading first?

43:58 – Why protect-save-grow means IBC comes before trading

46:47 – Worst-case math revisited: 8% interest, 30% tax, 0.8% weekly returns

54:18 – "Best scam I've ever been a part of"

58:02 – The value of a structured education vs. free YouTube

1:01:37 – Closing thoughts and how to join

Key Takeaways:

IBC and trading aren't separate strategies—they integrate. Every dollar in your financial life is connected. Using policy loans to fund a trading account lets your capital work in two places at once: compounding in your policy and generating returns in the market.

The math works even under worst-case assumptions. At 8% loan interest, 30% taxes, and only 0.8% weekly returns, a $50K policy loan still produces roughly 31% annual returns. With more realistic numbers, the results are dramatically better.

Order of operations matters. Fund your IBC premium first, then borrow against it to trade. This keeps protection in place, maximizes tax benefits, and lets your policy cash value grow uninterrupted.

You control everything. Trades happen in your own brokerage account (Schwab, Robinhood, etc.). No one else touches your money. The "scam" criticism misunderstands the structure entirely.

Real clients are seeing real results. Members of our trading group are reporting 1%+ weekly returns, with some replacing significant portions of their income in under four months.

Having capital on the sideline matters. When the next market downturn comes, those with cash available in their policies will be positioned to buy at the bottom

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You've been listening to the podcast. You've read Nelson Nash. You're sold on IBC. But now what? What actually happens when you reach out to an agency like Remnant Finance?

This episode is a behind-the-scenes look at our entire process—from the first intro call to policy delivery and years of ongoing service. We break down the three things you should look for in an advisor (and why only two of them are actually required), explain why we start underwriting before we've finalized your policy design, and get honest about what kind of client we work best with.

We also talk about what separates good IBC practitioners from agents who just have a license and a pitch. Spoiler: most people selling life insurance know less about it than you will after a few calls with us. That's not arrogance—our own company reps have told us that.

If you're evaluating whether to work with us or someone else, this episode gives you the full picture of what we do, how we do it, and why we do it that way.

Chapters:

• 00:00 – Opening segment

• 03:25 – The problem with "I can do IBC" advisors at big firms

• 06:30 – The three credentials: license, company contract, NNI certification

• 08:35 – Why getting a life license is dangerously easy

• 09:45 – Company selection: mutual companies and what makes them IBC-ready

• 10:45 – Captive vs. independent agents

• 13:05 – Why we work with two primary carriers

• 21:05 – What NNI certification actually involves

• 23:45 – Why insurance companies love NNI business (persistency)

• 28:05 – Our process starts: the intro call

• 31:00 – When IBC isn't the right fit (yet)

• 33:00 – Why we filter for worldview—and why that's actually good for you

• 36:45 – "If you have to drag them in, you'll have to drag them around"

• 37:15 – The intake form and application process

• 38:25 – Why we apply for more coverage than you might need

• 43:50 – How underwriting requirements work (the flow chart)

• 47:25 – Strategy calls while underwriting happens in the background

• 52:15 – Policy review: Loom walkthrough vs. live Zoom call

• 55:00 – Policy in force—now what?

• 56:45 – The range of ongoing service: hands-off to hands-on

• 59:00 – There's no industry requirement for ongoing service—ask your agent

• 1:04:45 – Closing thoughts and how to book a call

Key Takeaways:

• A license is just the first step. Getting a life license is easy—memorize a study guide, pay a fee, pass a test. It doesn't mean someone knows how to structure a policy for IBC.

• Company selection is critical. Only about 10-12 mutual companies can write policies the way Nelson Nash taught. Your agent needs a contract with one of them—and ideally understands the differences between them.

• Captive agents are limited. If your advisor works for a single company (like Northwestern Mutual), they can only offer that company's products. Independent brokers can match you with the carrier that fits your situation.

• NNI certification isn't required, but it matters. It's not a legal requirement to sell IBC-style policies, but it signals that an advisor has gone through specific training in Nelson Nash's methodology and stays connected to ongoing education.

• We start underwriting early—on purpose. The application process takes 4-6+ weeks. We submit it before finalizing your policy structure so the company is waiting on us, not the other way around. Think of it like a mortgage pre-approval.

• Education happens throughout. Expect 2-4+ calls before your policy is even issued. We want you to understand what you're buying, how it works, and how to use it. This should be the asset you understand the most.

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This episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next.

The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood.

Chapters:

• 00:00 – Opening segment

• 01:25 – 2025 macro overview: building resilience against all outcomes

• 05:05 – Fed rate divergence: Japan raising while the US cuts

• 06:55 – The yen carry trade explained

• 10:30 – Quantitative easing: how the Fed creates money through primary dealers

• 13:45 – The Cantillon effect and why Wall Street benefits first

• 15:15 – Congress is the root cause, not the Fed

• 17:05 – Why Austrian economists were partially wrong about 2008 QE

• 19:30 – Will this round of QE hit faster?

• 21:45 – The bond market is calling the Fed's bluff

• 25:45 – The case for growth assets in an inflationary environment

• 28:00 – Forward P/E at 23x: what the metric means

• 34:05 – How forward P/E correlates with 10-year returns

• 40:30 – Why you need both growth and guaranteed savings

• 42:00 – The dual paths of wealth: protection and growth

• 45:15 – The house fire story50:10 – AI as the wildcard disrupting all economic models

• 53:05 – The slow-motion Black Swan we're living through

• 56:45 – The 1994 email clip: we're there again with AI

• 59:00 – Closing segment

Key Takeaways:

• Two Narratives, One Strategy: The inflation/debasement trade says buy growth assets. Elevated P/E ratios say expect flat returns. Both are valid—which is why you need exposure to both growth and guarantees.

• The Fed Isn't the Root Problem: Congress can't stop spending. The Fed enables it by monetizing debt through quantitative easing. Until spending stops, money printing won't stop.

• The Bond Market Doesn't Believe the Fed: Rate cuts should lower mortgage rates. They haven't. The 10-year Treasury is rising because bond buyers are pricing in continued inflation and fiscal recklessness.

• Forward P/E Matters: At 23x, historical data shows a strong correlation with flat inflation-adjusted returns over the next decade. That's not a prediction—it's a data point worth considering.

• AI Changes Everything (Maybe): What took 30 years of internet development now happens in 12 months with AI. It could accelerate productivity beyond anything we've measured—or it could be a bubble. Nobody knows. Plan accordingly.

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The Fed just cut rates. Japan just raised theirs to a 30-year high. The bond market is calling the Fed's bluff. And Congress keeps maxing out credit cards while writing their own spending limit increases. What does this mean for your money—and how do you plan when the signals are screaming opposite things?

The Dual Paths of Wealth: You're always walking two roads—protection and growth. Whole life insurance designed for IBC lets you do both simultaneously: guaranteed savings you can leverage into growth assets without abandoning either path.

Many philosophers have contemplated the inevitability of death and taxes. But despite knowing both are coming, most people avoid planning for either until it's too late. What happens when you die without a proper estate plan? What's the difference between a will and a trust? And why does the government already have an estate plan for you—whether you like it or not?

This episode tackles estate planning head-on. Hans walks through the foundational concepts from his CLU coursework while Brian shares the painful reality of navigating Pennsylvania's probate system after losing his mother. The contrast is striking: life insurance proceeds arrived within a week, tax-free and hassle-free. Everything else? A year-long nightmare involving shyster attorneys, arbitrary timelines, and a state government eager to collect its pound of flesh.

The episode also addresses a critical oversight many families make: naming minor children as contingent beneficiaries on life insurance policies. Insurance companies cannot pay minors directly, which reintroduces the exact inefficiencies you were trying to avoid. One possible solution? Establish a trust and name it as your contingent beneficiary.

Chapters:

• 00:00 – Opening segment

• 02:00 – Why estate planning matters for everyone

• 03:30 – Brian's probate experience in Pennsylvania

• 07:30 – The one-year waiting period and attorney fees

• 11:45 – Life insurance: the easiest transfer by far

• 15:00 – Definition of estate planning: accumulate, manage, conserve, transfer

• 17:30 – Effective vs. efficient transfers explained

• 19:45 – The three places your assets can go

• 24:00 – Federal estate tax: 40% above the exemption

• 29:00 – The five-year thought exercise

• 37:00 – Minor children as beneficiaries: the hidden problem

• 43:30 – What would change if you had five years left?

• 54:00 – Heritage over inheritance: passing down more than money

• 59:05 - Closing Segment
  

Key Takeaways:

• You Already Have an Estate Plan: If you haven't created one, the government has a default plan for you—and it prioritizes creditors and bureaucratic process over your family's needs.

• A Will Is Not Enough: Wills direct the probate court on asset distribution, but assets still go through a lengthy, costly, public legal process. Trusts bypass probate entirely.

• Life Insurance Skips the Mess: Death benefits transfer directly to beneficiaries, tax-free, within days—no court involvement, no waiting periods, no attorney fees.

• Don't Name Minors as Beneficiaries: Insurance companies cannot pay children directly. Name a trust as your contingent beneficiary to maintain efficiency and control.

• The Five-Year Exercise Changes Everything: If you knew your exact death date, your priorities would shift immediately. Use that clarity now—maximize protection, spend time with family, stop deferring what matters.

• Estate Planning Is for the Living: Half of estate planning—accumulation and management—happens while you're alive. This isn't just about death; it's about building and protecting wealth today.

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Joe Withrow, Brian Moody, and Hans Toohey deliver a joint strategy session on building a financial foundation that survives contact with reality. Why does traditional financial planning put growth before protection? What happens when your plan gets punched in the face? And why is Infinite Banking the only savings vehicle that accomplishes two critical goals simultaneously?

Most people have been trained to think their 401(k) is savings and their term life insurance is "just in case." They're told to focus on growth—index funds, average rates of return, retirement projections—while protection and actual savings become afterthoughts. But when job loss hits, disability strikes, or markets crater, the whole plan collapses. This episode reveals the proper order of operations: protect first, save second, grow third. Hans breaks down why "average rate of return" is a meaningless data point. Brian illustrates the parallel paths of protection and wealth accumulation with the diagram that makes it all click. And Joe explains why buying insurance isn't an expense if you do it correctly—it's saving money that immediately becomes accessible capital.

The conversation covers IBC mechanics, policy loans that don't disrupt compounding, real estate purchases funded with cash value, the power of dinner table time for passing down values, and why building generational wealth starts with one decision: get the foundation right, then everything else becomes possible.

Chapters:

• 00:00 - Opening segment

• 01:25 - New Year's resolutions: tangible goals vs. vague aspirations

• 08:50 - The invention of "Retirement Inc." in the 1970s

• 11:05 - Protect, Save, Grow: the proper order of operations

• 13:10 - What traditional CFPs get wrong about protection

• 14:35 - Why "average rate of return" is a useless metric

• 16:40 - Brian's parallel paths diagram begins

• 19:30 - The two parallel paths: protection and wealth accumulation

• 22:30 - What can disrupt the wealth curve? (audience participation)

• 25:50 - Poor investment decisions: the most common sabotage

• 27:05 - Infinite money printing: Congress is the real villain

• 30:05 - Low Stress Options trading: the 1% per week framework

• 32:25 - Why people abandon the framework (and regret it)

• 33:00 - Systematizing savings: DCA into gold and Bitcoin every week

• 36:25 - UPMA for fractional gold ownership

• 37:45 - IBC: not an expense, it's saving money

• 39:15 - The kids' policies: $3,000 payment = $3,500 cash value

• 40:10 - Legal protection: equity in life insurance vs. bank accounts

• 41:15 - Brian: IBC's rate isn't big compared to investments, but...

• 42:50 - Whole life matches a guaranteed event (death) with guaranteed outcome

• 44:30 - Joe's real estate purchases funded by policy loans

• 45:30 - Hans breaks down policy loan mechanics (not simple interest)

• 47:40 - Annual compounding with principal-only repayments

• 48:15 - Hans's approach: keep loans levered for LSO trading

• 49:45 - Cash doesn't find opportunities, opportunities find cash

• 51:00 - Brian's land purchase: opportunity requires capital

• 53:10 - Making purchases for freedom and security, not money itself

• 59:30 - Actionable next steps

• 1:08:40 - Heritage over inheritance: building bloodline strength

• 1:09:30 - The Five Pillars: financial is just one piece

• 1:10:10 - Passing down American values and family culture

• 1:12:25 - Dinner table time: 90 minutes in the '70s vs. 11 minutes today

• 1:14:30 - Start at your locus of control and expand outward

• 1:15:20 - Multi-generational thinking: buying IBC for grandkids

• 1:27:00 - Closing segment

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Brian breaks down the most misunderstood aspect of Infinite Banking: loan repayments. Why do we pay ourselves back at market rates? What does EVA actually mean? And what happens when you pay yourself more than the insurance company charges?

Most people think being their own banker means they can be loose with repayment—skip payments, pay whenever, charge themselves whatever rate feels right. You can, per the contract. But should you? This episode reveals why maintaining market-rate discipline for the full loan duration is what separates wealth builders from people who just talk about IBC. Brian explains where that "extra interest" actually goes, how to decide how much to pay against your loan, and how Parkinson's Law can destroy generational wealth before it ever gets started.

Discipline is what builds legacy wealth. Without it, you're just the worst kind of bank: one with no standards, no discipline, and ultimately no capital.

• 00:00 - Opening segment

• 00:40 - Introduction: Why loan repayments trip people up

• 01:30 - Policy loan mechanics: you're not withdrawing, you're borrowing

• 02:10 - Economic Value Added (EVA): the fundamental principle

• 03:05 - Why people go sideways: thinking interest doesn't matter

• 03:30 - Nelson Nash's recommendation: pay market rates for full duration

• 04:40 - What "market rates" actually means

• 05:20 - Maintaining discipline that creates wealth

• 06:30 - The $30K car loan example at 5% over 5 years

• 07:25 - Where does the extra interest go when you pay yourself more?

• 08:30 - The insurance company doesn't care what rate you calculate

• 09:30 - Should you keep paying after the loan is satisfied early?

• 11:00 - Where most people sabotage themselves: the early payoff trap

• 11:30 - Parkinson's Law: expenses rise to meet income

• 12:50 - What to do when your PUAs are maxed out

• 14:00 - Capital deployment vs. consumption: know the difference

• 14:20 - Parkinson's Law destroys generational wealth

• 16:00 - The temptation to "save on interest" (you're paying yourself)

• 17:00 - "But I can make more investing elsewhere" - the speculation trap

• 18:10 - IBC isn't about loopholes, it's about discipline

• 19:10 - Practical implementation: set up auto-pay, treat it like any loan

• 19:40 - The $40K truck example: paying 7% when insurance charges 5%

• 22:30 - Decision tree when your policy is truly maxed

• 26:15 - Income doesn't equal wealth: the $500K pilot who's broke

• 27:00 - The $80K family building dynastic wealth

• 28:40 - Final recap: market rates, full duration, have a plan

• 30:00 - EVA: every loan should create value, every payment should build

• 30:45 - If your practitioner says rates don't matter, run

• 31:20 - The Moody Family Creed and how it applies here

• 31:50 - Closing thoughts

Economic Value Added (EVA): The fundamental question: did the thing you financed produce more value than the loan cost you? Borrow at 5%, asset returns 8% = positive EVA. Borrow at 5%, thing depreciates = negative EVA.

Pay Yourself Market Rates: Nelson Nash recommended paying loans back at market rates or higher— at least what you'd pay elsewhere for similar financing. This maintains the discipline that creates wealth.

The Full Duration Principle: Even if you pay a loan off early by using higher interest rates, keep making those payments for the full original term. A 5-year loan means 5 years of payments to your system.

The Early Payoff Trap: This is where most people sabotage themselves.

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Chapters:Key Takeaways:Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !