Not Your Average Financial Podcast™

By Not Your Average Financial Podcast™

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

4.7

122122 ratings

Download on the App Store

Download on the App Store

Get it on Google Play

FAQs about Not Your Average Financial Podcast™:

How many episodes does Not Your Average Financial Podcast™ have?

The podcast currently has 433 episodes available.

Not Your Average Financial Podcast™ episodes:

December 19, 2025Episode 433: NEW BOOK! Part 1 – Bank On Yourself® Origins and Why Now? with Pamela Yellen, Brian Kay and Tim Austin
In this episode, we ask:
How can you build wealth safely and predictably?
Who is Pamela Yellen?
Who is Brian Kay?
Who is Tim Austin?
Would you like to go to bankonyourselfbook.com to get the new book?
What’s Pamela’s story?
How did Pamela meet Brian and Tim?
What’s Brian’s story?
Should you turn over your financial independence to other parties?
Should you become your own source of financing?
Should you recapture the interest you have paid to other sources?
Should you be careful with borrowing and debt?
How did Brian meet Tim?
Can paying for college be an affordable reality without taking unnecessary risks?
What’s Tim’s story?
What was happening in the 1980s?
What are the strategies that worked in the 1940s, 1950s, 1960s and 1970s?
How is risk finicky?
Do you have to have debt to get where you want to go?
Do you have to be in the market to be successful?
What about uncertainty?
What about anticipation and preparation?
How might we crisis-proof our finances?
What is the average household debt?
How many people are behind on paying their debt?
What percent of retirees, age 66-71 have debt?
What about medical emergencies?
How many would be able to cover their expenses if they had a one-week delay on their paycheck?
Why is this book necessary?
What are the action items?
Will you join us next week for Part 2?
...more
39min
December 12, 2025Episode 432: Why Does the SEC Chair Paul Atkins Have 54 Life Insurance Policies?
In this episode, we ask:
What does he know, that we don’t?
What is his net worth?
What does the SEC chair do?
What is the cornerstone of his wealth?
Is this a quiet vote of confidence in life insurance over volatile securities?
What protections does life insurance offer that stocks don’t?
What is a state insurance department?
What are consumer protections?
What reserves are the insurance companies required to hold?
What about reinsurance companies?
What is a state guarantee association?
Why 54 policies? Is this overkill?
Is he diversifying?
What is a life settlement?
What’s the importance of having multiple policies?
What are the benefits?
What gives you tax-free access to cash?
Did you know you are forced to take money out of qualified government accounts by a certain age?
Do required minimum distributions (RMDs) exist in life insurance?
What do retirement researchers like Roger Ibbotson, David Blanchett, and Wade Pfau say about life insurance?
What is the efficient market frontier?
What about the volatility buffer?
What about taking distributions from the life insurance cash value during crashing stock values?
How can a policy be “overfunded”?
How many policies will be enough to buffer volatility?
How about an example?
If one policy is good, are 54 policies better?
What is a modern tool for building resilience?
What is the purpose of each policy?
What about policies with various carriers?
What about different terms on paid up additions (PUAs)?
What about guarantees?
Do you want to meet one-on-one?
What about policy loan rates?
How do the rates vary by company?
What is a 1035 exchange?
Would you like to subscribe to this podcast?
Who needs to hear this?
Would you like to meet with Mark or one of Mark’s associates?
...more
28min
December 05, 2025Episode 431: Guest Host Episode with Brandon & Amanda Neely | Find Your Flow: A 3-Minute Assessment That Could Change Your Financial Life
In this episode, we ask:
Where is the problem?
Who are Amanda and Brandon Neely?
What is going on behind the curtain with business owners?
What is the “average system” designed for?
What do most financial advisors do?
What could fix the stress?
If the conventional system wasn’t designed for entrepreneurs, what alternatives exist?
How long has that system been around?
How can you align your values with the right system?
What does this look like?
What about stacking Bank on Yourself® and Profit First?
What is the S.T.I.L.L. Method framework?
How do you approach a problem?
What about the central nervous system?
What about the heart?
Why do I always do this?
Would you like to take the Find Your Flow Assessment?
...more
17min
November 28, 2025Episode 430: Guest Host Episode with Frank Herbik | Why Whole Life Insurance Is the Ultimate with Marvin Bulas
In this episode, we ask:
Who is Frank Herbik?
How did Marvin Bulas get started with Tim Austin?
What does the concept of Bank on Yourself® focus upon?
Do you rely on other outside financial sources?
What requires self-discipline?
How can you achieve your financial milestones without taking unnecessary risks?
What about discipline and freedom?
Have you read Extreme Ownership by Jocko Willink?
How about a lifetime of tax-advantaged income?
What is hard?
How does the Bank on Yourself® strategy differ from a typical market-driven approach like a mutual fund, an ETF, an IRA, etc.?
How about some examples?
Are we completely against the market?
What is the barbell strategy?
What about a better “desk drawer”?
How can you harness compound growth?
What about cash, that’s available to you, whenever you need it?
Could everyone benefit from this?
How does the insurance carrier manage and carry the risk?
What is the non-guaranteed component?
Are the companies in the insurance industry well regulated?
What are the living benefits?
What’s the difference between a typical life insurance agent and an active Bank on Yourself® Professional?
What’s the CFP® designation?
Does a typical CFP® (or CLU®) understand how to correctly structure and design a Bank on Yourself® type whole-life insurance policy?
What does Marvin enjoy?
What can smooth out a lot of things?
How about a case study?
What is the approval process to get a loan from an insurance carrier?
How much do you want, and when do you want it?
Who sets the terms of the loan?
What resonates with Frank?
Do carriers have apps?
Who would these concepts benefit?
How does age affect the growth of a whole life insurance policy?
What is a “sprinter” policy?
What is a “marathon” policy?
How many ways could an advisor design a policy?
Would you like to search on bankonyourself.com?
Would you like to talk with Frank at 630-330-1799 about your specific situation?
...more
33min
November 21, 2025Episode 429: Guest Host Episode with Frank Herbik | How Financial Stress Impacts Mental Health and What You Can Do About It with Randi Paris
In this episode, we ask:
How does financial stress impact mental health?
Who is Frank Herbik?
Who is Randi Paris?
How does money affect married couples, partnered couples and individuals throughout life?
How is a relationship a joint effort?
What about a weekly check-in?
What happens if there is a divorce or death?
What about showing up together?
Why is education and communication important?
What have we learned, and how can we apply this?
Can they receive what I am saying?
Can you hear what they are saying?
Who is the spender, and who is the saver?
What about listening without judgement?
Are we confirming that we are on the same page?
What are some stories of financial stresses?
What happens with job loss and no savings?
How about recovering in a dual income family where there is a job loss?
What are our goals?
How do we get there? Who do we need to contact?
What drew Randi to the Bank on Yourself® concept?
How does one go about developing a legacy and generational wealth?
What about just starting?
How much money will go through our hands?
Do you have an open dialogue with your spouse?
Would you like to contact Randi’s Indianapolis-area team at pariscounselingllc.org?
Would you like to reach out to Frank at 630-330-1799 to discuss your specific situation?
...more
28min
November 14, 2025Episode 428: Choose Wisely! A Chance to Be Rich or the Guarantee You’ll Never Be Poor
In this episode, we ask:
How does one grow, protect and exit a business with confidence?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What about a higher rate of return?
Can you get a higher rate of return in the stock market?
Why doesn’t my whole life insurance cash value equal what I’ve put into the policy until year 7 or 10?
If your cash value life insurance made zero gains for 10–15 years, would it still be worth adding to your portfolio?
Are tools like whole life insurance and fixed index annuities just backups, or are they essential drivers of your financial plan?
What are the three pillars of financial and retirement success Americans need?
What about guaranteed lifetime income?
What about the magic of mortality credits?
What about smart leverage?
Are these get-rich-quick schemes?
Are these get-rich-for-sure strategies?
So what would you prefer?
What is a contract with your future?
Why do strategies, like Bank on Yourself® type whole life insurance policies, really shine?
Who has paid dividends for over a century, without fail?
What about pairing a Bank on Yourself® type whole life insurance policy with fixed indexed annuities (FIAs)?
What can outperform bonds?
What about protection and yield?
How do fixed index annuities provide lifetime income?
Can annuities outperform bonds in retirement planning?
Why are retirees with guaranteed income happier and less anxious?
What does the 4% rule (or 3% rule) require?
What are mortality credits?
What amplifies growth, safely?
Why do these policies thrive, regardless of market conditions?
What about leverage?
How does cash value life insurance offer leverage?
Can you borrow against your policy and still earn uninterrupted growth?
What is a non-direct recognition loan?
How about an example?
Is there any other asset that can bundle all these benefits together?
What about privacy?
What about structured payouts?
Is there anything else that can do all of this?
How might you outpace most people with a Bank on Yourself® type whole life insurance policy and fixed indexed annuities?
What are the challenges of low rates?
What are the takeaways?
Who should you share this episode with?
Would you like to meet with Mark or an associate to discuss your specific situation?
...more
25min
November 07, 2025Episode 427: Unmasking Crypto Scams – A True Crime of Digital Deception
In this episode, we ask:
What is the shadowy-underworld of crypto scams?
What about the right applied knowledge?
Have you seen web3isgoinggreat.com?
How much crypto-related fraud is happening?
Who has thought they cracked the code with crypto?
How about a case study?
What is the pig butchering scam?
What about bogus trading platforms?
Who is actually buying crypto?
How much real money has vanished to these schemes?
What is crypto’s siren song?
What do they promise?
What about FTX?
What about Sam Bankman-Fried?
Why is crypto’s anonymity a scammer’s dream?
Why is the blockchain at a loss for tracking crypto?
What did the 2023 report say?
What is Mark’s experience with clients losing money on scams?
What are some signs it’s not a good website?
What about celebrity endorsements?
What did the FTC shut down in 2024?
How does AI affect this?
What does Warren Buffet say about crypto?
What about Virtual Ponzi Schemes?
Is any of this new?
Is it even worse?
What are the red flags?
How might you protect yourself and your loved ones?
What about slowing down?
Is it too good to be true?
How do real investments actually work?
How about typos?
What about the https:// protocol on websites?
Have you checked the whoisdata?
What about psychological manipulation, using FOMO (the fear of missing out)?
What about seduction and romance?
What about pressure tactics or blackmail?
Do real opportunities vanish overnight?
Do you feel so special?
What about elder fraud?
Do the scams exploit your emotions?
Do you need to report a scam or fraud?
Do you need to speak with a financial advisor?
What is your shield in the Digital Wild West?
Would you like to join us in the FREE Not Your Average Financial Community?
...more
26min
October 31, 2025Episode 426: The Monster of Variable Universal Life (VUL)
In this episode, we ask:
Would you like a practical guide to building a resilient business?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What was so scary about Frankenstein’s monster?
What is Variable Universal Life (VUL)?
What is the nightmare twist?
What are the risks of VUL policies?
Why did VUL policies decline in popularity after the 1990s?
How many VUL policies lapse each year?
What are the hidden costs inside a VUL policy?
What happens when a VUL policy lapses?
What is a sub-account in a VUL policy?
What is an expense ratio?
Why is 2-4% so bad?
Why are VUL sub-accounts more expensive than regular ETFs?
What about capital gains tax?
Why do advisors push VUL policies to high-income earners?
What about the 7702 section of the tax code?
Is VUL a good tax-advantaged investment?
What happened to the S&P in 2002?
What happens to VUL policies during a market downturn?
What is the net amount at risk?
What happens when the markets dip?
How does market volatility affect VUL insurance policies?
What is a death spiral in VUL insurance?
Can VUL costs increase during retirement?
What about the total annual fees in a VUL policy?
How do VUL fees compare to whole life insurance?
What is the total drag on a VUL policy?
What is a Bank On Yourself® whole life policy?
What are the benefits of whole life insurance vs. VUL?
What happened to VUL policies during the .com crash?
How did VUL policies perform during the 2008 financial crisis?
What about class action lawsuits?
What are the risks of borrowing from a VUL policy?
What is negative arbitrage?
Why do VUL loans often result in poor returns?
Why do insurance companies discourage fixed account use in VULs?
What are the downsides of VUL fixed accounts?
What does the SEC say alerts say about VUL illustrations?
Why is a Bank On Yourself® whole life policies far superior?
Have you seen The Hunchback of Notre Dame?
What is a fixed index annuity (FIA)?
What did the 2002 Morning Star report say?
Can fixed index annuities replace VUL for retirement planning?
Do you own a VUL? Would you like to know how to audit your VUL policy?
How about a case study?
What should you look for in a VUL in-force illustration?
What happens when VUL cash value drops significantly?
Can VUL policies collapse due to market losses?
Why are VUL loans problematic during market downturns?
What are the loan interest rates in VUL policies?
Why is VUL unsuitable for retirees?
What are the risks of managing a VUL policy with age?
What are the benefits of whole life policies for long-term care?
Can whole life insurance help with medical expenses?
How does a fixed index annuity provide retirement income?
What are the top alternatives to VUL policies?
Can you transfer a VUL policy to whole life insurance?
Why does the SEC say that VUL policies are unsuitable for nearly everyone?
What is SWAN money?
What are low-risk retirement strategies?
What are the takeaways?
Who needs to hear about this?
...more
35min
October 24, 2025Episode 425: How Connections Compound Like Financial Interest with Steve Ramona
In this episode, we ask:
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
Why is serving others a wealth accelerator?
Who is Steve Ramona?
What is Steve’s story?
How might we remember names?
What do people care about?
Would you like to read The Wealthy Barber by David Chilton?
What is the value of networking?
What business are you in?
How do we bring value?
How might I serve you?
What do people do when they give gifts?
What is abundance mentality vs. victim mentality or mindset?
What is the ASLA principal?
What about listening?
What are you passionate about?
How does one get over fear?
What about giving back?
What does “slow is smooth and smooth is fast” mean for your finances, relationships and business?
Would you like to watch Steve’s show, Together We Serve?
What are the takeaways?
Would you like to join the FREE Not Your Average Financial Community?
Steve Ramona discovered his calling at a young age and is now on a mission to share his secret sauce for success. He thrives on forging meaningful connections, sharing referrals, and watching people flourish. His contagious passion for the Law of Increase makes his podcast Doing Business with a Servant’s Heart so successful. This show is chock-full of inspiring stories about overcoming challenges and serving others.
...more
35min
October 17, 2025Episode 424: I’ll take a LOWER Rate of Return AND Get BETTER RESULTS?!
In this episode, we ask:
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What does a CFP® and a Bank on Yourself® Professional think about?
What’s really going on here?
What’s the difference?
Why does it matter?
What about the aggressive portfolio?
What about the growth portfolio?
What about the conservative portfolio?
Who is vaporizing their future capacity to recover?
Have you ever been shocked at your financial statement?
What will outperform?
How much would you have to make this year if you lost 18% last year?
What is the math of compounding losses?
What is the hidden cost of chasing higher rates of return?
How about a thought exercise?
How much would you need after fees and taxes?
How might one lock in gains?
What is underwhelming?
What is absolutely guaranteed in the stock market?
What does the average stock market investor net?
Based on Morningstar’s reports, how on earth is it only 1.4%?
What can reduce the likelihood of outliving your money?
What’s the worst thing that can happen?
What’s the most crucial?
Why does timing matter so much?
Is 10% with a 30% drop still 10%?
How often is the market going to give you 43% gains?
What about a client’s case study?
Is a linear path better than a volatile path?
Have you learned this lesson, after it’s too late?
Does high risk lead to high reward?
What’s wrong with settling for 6%?
What about the opportunity cost?
Is volatility the same thing as risk?
What about human behavior and human instincts?
Are we more predictable than we realize?
Is it all about gambling?
How might one overcome the volatility?
What about no big losses?
What about steady growth?
What about a death benefit?
How could a boring whole life insurance policy beat chasing the market?
How much can you pull out annually in retirement?
What about the 4% rule?
What adds significant risk?
What is perfect for stability?
Who is thinking differently about their money?
What are the takeaways?
Are your returns just myths?
...more
34min

FAQs about Not Your Average Financial Podcast™:

How many episodes does Not Your Average Financial Podcast™ have?

The podcast currently has 433 episodes available.

More shows like Not Your Average Financial Podcast™

BiggerPockets Real Estate Podcast by BiggerPockets

BiggerPockets Real Estate Podcast

16,726 Listeners

VINCE by Cumulus Podcast Network | VINCE

VINCE

62,669 Listeners

Radical Personal Finance by Joshua Sheats

Radical Personal Finance

1,888 Listeners

The Real Estate Guys Radio Show - Real Estate Investing Education for Effective Action by The Real Estate Guys

The Real Estate Guys Radio Show - Real Estate Investing Education for Effective Action

703 Listeners

Rich Dad Radio Show: In-Your-Face Advice on Investing, Personal Finance, & Starting a Business by The Rich Dad Media Network

Rich Dad Radio Show: In-Your-Face Advice on Investing, Personal Finance, & Starting a Business

3,835 Listeners

Rental Income Podcast With Dan Lane by Rental Income Podcast

Rental Income Podcast With Dan Lane

830 Listeners

Real Wealth Show: Real Estate Investing Podcast by Kathy Fettke / RealWealth

Real Wealth Show: Real Estate Investing Podcast

408 Listeners

BiggerPockets Money Podcast by BiggerPockets

BiggerPockets Money Podcast

3,086 Listeners

Wealth Wisdom Financial Podcast by Brandon Neely and Amanda Neely, CFP®

Wealth Wisdom Financial Podcast

52 Listeners

Real Estate Investing with Coach Carson by Chad Coach Carson

Real Estate Investing with Coach Carson

616 Listeners

Ken McElroy Show by Ken McElroy

Ken McElroy Show

721 Listeners

PBD Podcast by PBD Podcast

PBD Podcast

4,260 Listeners

On The Market by BiggerPockets

On The Market

895 Listeners

BigDeal by Codie Sanchez

BigDeal

921 Listeners

The David Greene Show by David Greene

The David Greene Show

702 Listeners