Brian and Hans record together IN PERSON for the first time at the Factum Financial Infinite Banking Mastery Event in Scottsdale, Arizona, joined by Josh Rose from Factum Financial. This isn't your typical financial conference recap—it's a raw conversation about why the best financial gatherings spend more time discussing kids, vacations, and family legacy than investment returns.

Whether you're struggling with the "we don't talk about money" generational curse or wondering how to raise financially literate kids without forcing them into specific careers, this fireside chat challenges everything conventional wisdom teaches about family and finances.

Chapters:

00:00 - Opening: First in-person recording from Scottsdale

02:28 - Introducing Josh Rose and his journey to IBC

05:05 - How IBC brings families together vs. traditional finance separating them

06:56 - The Five Core Areas (Fab Five): Faith, Family, Fitness, Finance, Friendship

10:38 - Evaluating your life as a wheel—are all areas balanced?

17:16 - Living intentionally now vs. locking money away for retirement

21:39 - "I don't have access to my money for 3-4 years" objection

28:17 - The startup business analogy for whole life policies

31:32 - The Future Family Letter: Eliminate bad habits, set standards, create excitement

35:47 - Breaking the "we don't talk about money" curse

37:37 - Teaching kids about money age-appropriately

40:22 - Making "policy" a normal word in your household

44:07 - "I want my children to do whatever they want PLUS be a banker"

47:48 - Everyone's in two businesses: income generation and banking

52:30 - Closing segment

Key Takeaways:

• Traditional finance promotes individuality and separates families—IBC brings families together through interdependence and shared banking systems

• The Five Core Areas (Faith, Family, Fitness, Finance, Friendship) create a framework for evaluating whether your life is "running smoothly"—connect the dots to see if your wheel is balanced

• Your kids are only this age once—IBC removes the false choice between living fully now and saving for later by giving you access to capital while building guaranteed wealth

• The "we don't talk about money" generational curse creates financially illiterate children who learn from the world instead of their parents—break this by making "policy" a normal household word

• Write a Future Family Letter to eliminate generational habits you don't want, set clear standards for what you do want, and create excitement about what your family can become

• Make your children bankers first, then let them do whatever career they want—the banking foundation gives them freedom to pursue their passions without financial anxiety

• Traditional financial planning asks "what will I accumulate by 65?"—IBC asks "how can I live abundantly in all five areas while building generational wealth?"
  

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Two-time NASCAR champion Kyle Busch just lost $8.5 million in an Indexed Universal Life policy after paying $10.5 million in premiums. This isn't just celebrity drama—it's a case study in why 90%+ of IULs collapse and why we'll never sell one. 

IULs try to be insurance, savings, and investment all in one product. The result? A policy full of moving parts, changing cap rates, rising mortality charges, and a "path of least resistance" that leads most people to stop funding properly. By your 70s, the annual insurance cost skyrockets while your cash value evaporates. The company transfers risk back to you—the opposite of what insurance should do. 

Whole life insurance has guaranteed increases, true downside protection, unlimited upside potential, and a 200+ year track record. Don't mix protection, savings, and growth into one product. Keep them separate. Think in years, measure in weeks. And whatever you do, don't "IUL" your financial future.

Chapters:

00:00 - Opening segment

01:44 - Kyle Busch

$8.5M IUL lawsuit introduced

03:51 - How did this happen? Bobby Samuelson article breakdown

05:43 - Agent structured policy to maximize his compensation

07:21 - Why celebrity cases expose industry-wide problems

09:19 - How IULs work: cap rates, floors, participation rates

13:07 - The mortality charge death spiral explained

14:32 - Real client story

18:32 - Why policies collapse in your 70s and 80s

20:18 - Net amount at risk breakdown

22:11 - IULs transfer risk back to you (opposite of insurance)

22:54 - Protect, Save, Grow: Don't mix them

26:13 - Why IULs exist and why they fail

28:17 - Whole life dividends vs IUL flexibility traps

32:52 - Proper protection across all life areas

35:12 - Long-term thinking vs optimization traps

38:17 - Conservative approach to new growth strategies

40:12 - Don't "IUL" your trading or life insurance

42:30 - Closing segment

Key Takeaways:

• Kyle Busch lost $8.5M of $10.5M in premiums in an IUL—brings national attention to product failure rates

• IULs have cap rates (max return), floors (usually 0%), and participation rates—but companies can change caps anytime

• 90%+ of IULs collapse because of human behavior traps and rising mortality charges in later years

• IULs charge monthly mortality based on net amount at risk—when policy underperforms, charges increase

• Insurance should transfer risk to the company—IULs transfer risk back to you

• Whole life has guaranteed increases every year, true downside protection, unlimited upside potential, and 200+ year track record

• Don't mix protection, savings, and growth—keep them separate and intentional

• Think in years, measure in weeks—stay conservative even when you find better strategies

• Only time to "buy term and invest the difference": when your only other option is an IUL

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Most people fail with money because they're stuck in extremes. Underwhelmed by the same old advice like "save more, spend less, lock it away and hope compound interest saves the day." The truth is simple: You are the asset. Your ability to create value is the greatest investment you'll ever have. This episode breaks down Garrett Gunderson's framework for the six money moves that actually matter. Stop locking money away in qualified plans. Stop self-insuring when you should transfer risk. Stop overpaying taxes as a W-2 employee with only 8 deductions when business owners access 475. Focus on cash flow assets that let you live today while building wealth for tomorrow. The penalty for following broken financial philosophies is permanent, but aligning your plan with who you are brings freedom sooner than you think.

Chapters:

00:25 - Opening Segment

04:55 - Why most people fail with money

06:35 - You are the greatest asset

08:15 - The underwhelming advice: save, spend less, lock it away

10:35 - Spend less is capped - grow yourself as an asset instead

14:50 - Overwhelmed by conflicting tips

19:05 - Teaching value creation

20:20 - Step 1: Automate and build liquidity with whole life

23:20 - Daily burn rate calculation method (263 days liquidity example)

26:50 - Step 2: Transfer risk, don't self-insure

29:05 - Pacific Palisades fires: Self-insurance myth exposed

33:15 - Step 3: Estate and entity structure (trusts vs wills)

39:35 - Step 4: Stop tipping the government

41:05 - 8 deductions vs 475: W-2 employees vs business owners

43:55 - Sourdough bread business example

45:50 - Step 5: Invest in alignment with your investor DNA

46:25 - Get to vs have to - does it feel like noise?

50:00 - Step 6: Focus on cash flow, not accumulation

54:45 - Living today while building for tomorrow

57:20 - Closing Segment

Key Takeaways:

• You are your greatest asset - ability to create value is the greatest investment you'll ever have

• Standard advice (save more, spend less, hope for compound interest) keeps you broke

• Step 1: Automate liquidity using whole life as emergency fund - calculate daily burn rate to know exact days of liquidity

• Step 2: Self-insurance is a myth - transfer catastrophic risk to insurance companies for pennies on the dollar

• Step 3: Get trust in place to avoid probate - if you don't have estate plan, government has one for you

• Step 4: W-2 employees have 8 tax deductions, business owners with EIN have 475 - create business entity now

• Step 5: Invest in your investor DNA - ask "do I GET to do this or HAVE to do this?"

• Step 6: Focus on cash flow assets, not buy-and-hold accumulation in qualified plans

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You need to be able to outprint the Fed. To learn a stress-tested way to accelerate your investment capital, go to https://remnantfinance.com/options to learn the framework we discuss this week.

AI is transforming the world faster than anyone realizes—and the job market as we know it is about to disappear. In this episode, we speak with Navy nuclear engineer turned entrepreneur Troy Broussard, founder of Low Stress Trading, about how to survive this economic upheaval by creating money faster than the Federal Reserve can devalue it.

Troy shares how his unique trading framework is helping ordinary people beat inflation, break free from the traditional “buy and hope” system, and generate consistent weekly income—regardless of what the market does. We explore how artificial intelligence, automation, and Elon Musk's Starlink and Optimus projects are dismantling the old economy and why financial independence now depends on agility, not credentials.

The financial paradigms that guided the last ninety years will be counterproductive in the next ninety years. This is an episode about freedom—from inflation, from dependence on failing systems, and from the illusion of job security.

Chapters:

00:30 - Opening segment

04:10 - Elon Musk’s Starlink, Optimus, and the AI revolution

10:45 - Why Apple stopped innovating and what it means for investors

15:20 - The collapse of old financial paradigms

21:00 - The rich don’t pay taxes—they redefine income

27:45 - Throwing away 90 years of failed investment logic

33:30 - What weekly options really are and why anyone can learn them

41:15 - How to make money in an up, down, or sideways market

47:20 - Weekly income vs. buy‑and‑hope investing

52:00 - Real‑world math: The “lost decade” myth

58:30 - Income beats net worth—why cash flow wins every time

1:03:45 - Trading through recessions and inflation cycles

1:10:50 - Why “too good to be true” is a broken mindset

1:18:00 - Generational impact: teaching kids to outpace inflation

1:23:40 - Hyper‑compounding: 1% per week means 68% annually

1:29:10 - The future of Low Stress Trading’s software revolution

1:33:20 - The community that celebrates success, not envy

1:38:40 - Closing thoughts

Key Takeaways:

• AI is rewriting the job market faster than experts predicted

• Elon Musk’s Starlink and Optimus projects will redefine automation and employment

• Inflation is real, and official CPI numbers are meaningless compared to daily reality

• The wealthy build wealth by controlling how income is classified and taxed

• “Buy and Hold” investing is obsolete in the AI-driven economy

• Weekly option trading creates consistent, compounding income

• You can make money in any market by “being the bank” through options

• Teaching kids financial literacy early can make them self-sufficient for life

• The new financial freedom is independent of jobs, pensions, or Wall Street

  
  

Learn Troy’s trading framework at https://remnantfinance.com/options ! 

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College tuition has increased 1184% since 1980 while the value of that education has plummeted... The system that worked for our parents' generation has become a debt trap that produces functionally illiterate graduates who can't read, can't write, and are trained to rely on AI for everything. Sixty Illinois schools have zero students reading or doing math at grade level. University professors report students who can't comprehend basic assignments, expect unlimited resubmissions, and ask if reading exams are open book. The goal of college is ideological indoctrination, not education. AI has decimated the value proposition further by replacing the exact jobs that required degrees - law firms aren't hiring junior associates because AI does case research instantly, and doctors are being outperformed by diagnostic AI that's 400% more accurate. Meanwhile, trades are booming with massive worker shortages, allowing skilled tradespeople to command premium prices and own their businesses. If your child has a specific passion requiring a degree - nursing, military officer, certain specialized fields - and a plan to pay for it without federal loans, maybe. But the default assumption that kids should go to college from 18-22 needs to die. Take a gap year, start a business, learn a trade, do an apprenticeship, or get your GED at 16 and start community college early. Stop enriching a broken system that leaves your children $40,000 in debt and unemployable.

Chapters:

00:30 - Opening segment

04:30 - The trades are booming while college graduates work at coffee shops

06:10 - Bell curve distribution: Why the statistics lie

08:15 - Public school assessment failure

11:30 - AI has made students functionally illiterate

15:25 - The $1.7 trillion student loan debt crisis

20:00 - 50% of graduates never work in their field of study

28:25 - Educate your children outside the system

33:25 - College degree now a liability when hiring

34:45 - Charlie Kirk built $100M business with community college degree

36:40 - California homeschool charter system under attack by teachers' unions

42:00 - Start a business, learn taxes, understand the real world first

43:00 - Get your GED at 16 and start community college early

46:00 - High school diploma is worthless - challenge the assumption

49:20 - When college might make sense

50:10 - IBC as a tool to fund education without federal loans

51:10 - Internships don't require college enrollment

52:05 - Closing segment

Key Takeaways:

• College tuition has increased 1184% since 1980 

• The value of a college education has gone down dramatically as costs skyrocketed

• Average federal student loan debt per borrower is nearly $40,000, totaling $1.7 trillion nationally

• For white males specifically, average income is now LOWER with a college degree than without

• AI has made the college degree nearly obsolete by replacing the exact jobs that required them

• 50% of college graduates never work in their field of study

• High school diploma is worthless - nobody ever asks for it

• Use IBC to fund education without federal loans if you must go

• Internships don't require college enrollment - 18-year-olds can approach businesses directly

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What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking system—you won't want to stop. 

But life happens. Income disruptions, career changes, or simply changing priorities might make you reconsider. That's why understanding your contractual rights matters. There are five distinct options when you can't or won't continue paying premiums, and most people only know about the worst one: surrendering for cash. This episode breaks down all five options, from the contractual non-forfeiture provisions required by state law to the optimal strategy that lets your policy sustain itself. We explain extended term insurance, reduced paid-up insurance, automatic premium loans, and the dividend payment strategy—plus why working with an authorized IBC practitioner ensures you actually have access to these options. The goal isn't to plan your exit from day one, but to understand the full contract you're entering and know you have control no matter what happens.

Chapters:

00:00 - Opening segment

07:00 - Introduction to non-forfeiture options and PUA  

10:00 - Four contractual non-forfeiture options overview  

11:20 - Cash value refresher

13:00 - Net present value

14:40 - Dave Ramsey's misrepresentation   

17:50 - Company exposure and why cash value grows over time  

18:55 - Option 1: Cash surrender value (closing the policy)  

20:30 - Option 2: Extended term insurance explained  

25:45 - Option 3: Automatic premium loan (APL)  

27:00 - When APL makes sense: income disruption scenarios  

32:00 - Base premium vs. total premium: What you actually need to sustain  

35:00 - Option 4: Reduced paid-up insurance (RPU)  

36:25 - Why you can't RPU before year seven (MEC rules)  

42:15 - How using dividends changes projections  

44:50 - Option 5: Using dividends to pay premiums (the optimal strategy)  

48:05 - Keeping premium door open  

52:00 - Protection and savings before speculation  

54:10 - Keeping the wall between savings and investments  

56:30 - Final thoughts

Key Takeaways:

- Cash surrender value is not separate from death benefit—it's your equity in the future payment at present value

- There are 5 total options when you can't pay premium: 4 contractual non-forfeiture options plus the dividend strategy

- Cash surrender (Option 1): Walk away with equity, lose all coverage—least recommended option

- Extended term insurance (Option 2): Same death benefit dollar amount, reduced timeframe based on cash value

- Reduced paid-up insurance (Option 3): Same timeframe (whole life), reduced death benefit, no future premiums required

- Automatic premium loan (Option 4): Company loans against cash value to pay base premium automatically

- Dividend payment (Option 5): Use policy dividends to pay base premium—the optimal approach for mature policies

- Not all whole life companies support optimal IBC design—must have PUA riders available

- Work only with Nelson Nash Institute authorized practitioners to ensure proper policy structure

- Goal is never to stop paying premium once you understand what it's doing for your family banking system

- Your whole life policy should be the asset you understand most completely before signing

Got Questions?

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Two tragedies in one week exposed something many conservatives had been denying: we are not all Americans working toward the same goals. When one side celebrates assassination and the other extends olive branches, the asymmetry becomes fatal. If you believe in traditional values, speak openly about Christ, or question progressive orthodoxy, they consider you deserving of violence. The second half of the episode pivots to Parkinson's Law and its application to both time and money. Work expands to fill the time allowed, expenses rise to meet income, and luxuries become necessities. Without forced savings mechanisms like Infinite Banking and cash flow systems, lifestyle inflation will consume every raise and prevent wealth accumulation. The connection is direct: mastering money flow gives you control over time, and controlling your time means living the life you want now rather than deferring everything to a retirement that may never come.

Chapters:00:35 - Opening 

02:15 - Ukrainian train murder and Charlie Kirk assassination

05:10 - The celebration of violence by the left

09:45 - The leftist flowchart for responding to violence

11:40 - The myth of "national conversation" exposed

14:30 - First Amendment misunderstanding and employment consequences

16:30 - Cancel culture hypocrisy: bodily autonomy vs. speech

24:10 - DC transformation through force: crime to safety overnight

25:20 - Parkinson's Law 

26:30 - Becoming Your Own Banker

30:30 - Forced savings through IBC vs. flexible premium policies

32:20 - Why UL and IUL policies fail at 90%+ rates

37:30 - Funneling raises into policy premiums to avoid lifestyle inflation

38:00 - Tax refund strategy

40:50 - Closing thoughts and call to action

Key Takeaways:

- Political violence is almost exclusively a leftist phenomenon

- Celebration of Charlie Kirk's murder came from mainstream sources, not fringe accounts

- The "national conversation" narrative was always a lie - they want compliance, not dialogue

- Losing your job for speech is not a First Amendment violation

- First Amendment protects you from government censorship, not employer consequences

- Same people demanding speech consequences for conservatives opposed vaccine mandate employment termination

- Work expands to fill the time envelope allowed

- Expenses rise to equal income without intervention

- Luxuries once enjoyed become necessities (air conditioning, heated seats, smartphones)

- Without forced mechanisms, lifestyle inflation consumes all income increases

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What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.

Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.

Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.

Chapters:

00:30 - Intro

03:30 - Core philosophy

06:35 - Velocity banking overview and All-in-One simplification

09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking

17:10 - Debit card strategy and credit card optimization

18:55 - Property eligibility: primary, secondary, and investment properties

24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers

26:20 - Psychological shifts: gamifying debt payoff and spending discipline

28:30 - Payment structure: no fixed payments, interest-only charges

30:15 - Emergency flexibility and foreclosure protection advantages

32:05 - Mental shifts and debt payoff gamification

34:50 - SOFR-based interest rates: monthly adjustments and margin selection

40:25 - Traditional mortgage front-loading and total interest percentages

42:00 - Harrison's philosophy on 30-year mortgages as entry tools

44:35 - Brian's IBC integration: using equity for premium payments

46:05 - Practical applications: cars, college, rental properties

1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com

1:09:10 - Future case study possibilities and closing thoughts

Key Takeaways:

All-in-One Loan Mechanics:

• Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges

• 80% loan-to-value maximum with no traditional monthly payments, only monthly interest charges

• SOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)

• 700+ credit score for primary/second homes, 720+ for investment properties

• Minimum 20-25% down payment depending on property type

• 10-15% reserves of line of credit amount in liquid assets

• Positive monthly cash flow of at least 15% of net income

• Provides control and flexibility unavailable in traditional mortgages

• Enables strategic use of home equity for wealth-building activities

Got Questions? Reach out to us at [email protected] or book a call at https://remnantfinance.com/calendar!

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Harrison George Contact: Email: [email protected] Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.com

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Two 31-year-old fathers of two. One died unexpectedly in a hospital, leaving his family scrambling financially with only a $400,000 life insurance policy. The other was assassinated for his political beliefs, sparking a national conversation about violence and ideology. Both tragedies expose the same uncomfortable truth: none of us know when our last day will come.

Hans opens with a sobering reality check for fathers - if you don't wake up tomorrow, how does your family survive financially? Beyond the emotional devastation, what practical steps have you taken to ensure your wife can pay the mortgage, access accounts, and maintain the lifestyle you've built together? The episode serves as both a wake-up call about financial preparedness and an introduction to alternative investment strategies through client Will Leight's raw land business.

The conversation takes a hard turn into cultural commentary following recent events, examining the escalation of political violence and the breakdown of civil discourse. From Harvard's ideological rigidity to the celebration of assassination, Hans and Will discuss why the mask has come off regarding the left's true intentions and what it means for American families trying to build wealth and protect their future.

Chapters:00:00 - Opening discussion on insurance and tragedy

01:30 - Introduction to Will Light and client interview format

04:10 - Tragic case study: 31-year-old father's unexpected death

07:50 - The underinsured asset: your human life value

10:30 - Will's insurance background: SGLI and universal life experience

13:00 - Financial advisor vs. IBC agent: the education gap

16:10 - Policy design disasters and all-base mistakes

19:40 - IUL retirement plans and MEC dangers

24:50 - Charlie Kirk assassination and national implications

27:00 - Harvard Kennedy School and ideological extremism

29:55 - The myth of "national conversation" exposed

32:25 - Violence as policy: the liberal endgame revealed

35:20 - Masks dropping after the assassination

39:45 - Historical parallels to Soviet criminal codes

41:10 - Frontier Coffee statement on turning points

47:00 - Zero tolerance for liberal ideology in business

49:20 - Nepal government overthrow parallels

51:20 - Individual and community preparedness imperatives

53:40 - Shifting to raw land investment strategy

55:50 - Will's introduction to Land Geek methodology

58:25 - Raw land acquisition and financing mechanics

01:00:35 - Building relationships with land buyers

01:02:50 - Scaling strategy and county selection

01:04:30 - Current portfolio: 11 properties and growing

01:06:35 - Rental property tax advantages comparison

01:09:10 - Vision and Value Land Company introduction

01:11:10 - Final thoughts on preparedness and truth-telling

Got Questions? Reach out to us at [email protected] or book a call at https://remnantfinance.com/calendar!

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Will Leight - Vision and Value Land Company:  https://www.facebook.com/profile.php?id=61578024718364#

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The media obsesses over whether Powell should cut rates, but they're missing the bigger story entirely…Since 2022, the Federal Reserve has fundamentally lost its ability to control long-term interest rates - and that might be the best thing to happen to American monetary policy in decades.

Joe Withrow from the Phoenician League returns to break down the most important financial shift you've never heard of: the transition from LIBOR to SOFR. While everyone argues about Fed policy, a quiet revolution has returned actual market forces to interest rate setting. The days of European banks manipulating global rates through sealed envelope submissions are over, replaced by real transactions from real institutions with real obligations.

This episode examines the mechanics of interest rates, repo markets, and why Trump's demands for rate cuts might not matter as much as everyone thinks. From the $9 trillion debt rollover crisis to the geopolitical implications of monetary independence, Hans and Joe connect the dots between outdated financial instruments and your personal investment strategy.

Chapters:00:00 - Intro

04:05 - The five pillars and financial security foundation

07:30 - Interest rates overview and Fed manipulation myths

11:15 - LIBOR vs SOFR transition and why it matters

14:45 - Setting aside preferences for objective analysis

17:45 - Central bank money vs commercial bank money explained

19:05 - LIBOR calculation method exposed

22:25 - The shocking truth about rate manipulation

25:45 - Ben Bernanke's "globally coordinated monetary policy"

28:20 - COVID awakening and financial system skepticism

29:20 - Fed funds rate mechanics and overnight lending

31:10 - The $9 trillion debt rollover crisis

32:20 - Powell vs Yellen: American vs globalist monetary policy

35:10 - Balance sheet reduction and QE reversal

36:30 - SOFR liberation from European bank control

39:10 - World Economic Forum and "own nothing, be happy"

40:25 - Immigration and cultural hierarchy discussion

42:25 - SOFR based on actual market transactions

44:30 - Repo market mechanics explained

47:40 - Market forces vs manipulation in rate setting

48:20 - Baseball card analogy for repo transactions

52:00 - 10-year treasury as global risk-free rate

53:30 - Market forces returning to long-term rates

54:40 - Powell's rate cuts and opposite market reaction

57:25 - Stephen Moran appointment and dollar devaluation strategy

59:30 - Manufacturing reshoring and central planning concerns

01:01:15 - Federal Reserve independence vs political control

01:03:25 - Board of Governors structure and 14-year terms

01:04:55 - Rate policy and asset price manipulation

01:07:10 - Phoenician League membership and strategy sessions

01:11:15 - Low stress trading strategy integration

01:15:50 - Closing thoughts and next steps

Key Takeaways:

- LIBOR was manipulated by 17 banks submitting sealed envelope "guesses" with no binding obligations

- SOFR is based on actual overnight lending transactions between real institutions

- This shift has fundamentally severed the Fed's control over long-term interest rates

- Powell's 1% rate cut in 2024 caused long-term rates to go UP, proving the new dynamic

- Fed only controls short-term rates (up to 2 years) through the Fed funds rate

- Traditional "refinance when rates drop" assumptions no longer reliable

Got Questions? Reach out to us at [email protected] or book a call at https://remnantfinance.com/calendar!

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