What if the key to generational wealth was hidden in a 92-page book written over 25 years ago?

In this episode of Remnant Finance, we dive deep into the fundamentals of the Infinite Banking Concept (IBC) by revisiting Nelson Nash's five core principles from his groundbreaking book "Becoming Your Own Banker." After exploring various financial topics in recent episodes, the conversation returns to the bedrock principles that make IBC such a powerful financial strategy.

The discussion breaks down each principle—Think Long Term, Don't Be Afraid to Capitalize, Don't Steal the Peas, Don't Do Business with Banks, and Rethink Your Thinking—while exploring how they interconnect to create a comprehensive approach to personal finance. These aren't just abstract concepts but practical guidelines for creating a sustainable financial legacy.

Beyond just financial strategy, the episode explores how these principles can transform your approach to all areas of life and create multi-generational wealth that benefits your family for decades to come.

Think Long Term: The importance of shifting away from our culture's instant gratification mindset. Emphasis on thinking 30, 40, even 70 years into the future and planning for multiple generations, not just immediate returns. A detailed explanation of how whole life insurance provides guaranteed contractual growth that can benefit your grandchildren and beyond.

Don't Be Afraid to Capitalize: The concept of capitalizing your system—not as investing, but as building potential energy within your personal economy. Using the metaphor of "damming a river" to control your financial flow rather than letting money simply pass through your life. Encouragement to pay meaningful premiums that might stretch you slightly but remain manageable.

Don't Steal the Peas: Using Nash's grocery store analogy to explain the importance of being an honest banker to yourself. This means paying back policy loans with appropriate interest, even when borrowing from your own cash value. A discussion on how this practice builds your capital pool and benefits your entire system.

Don't Do Business with Banks: While acknowledging that most people need to maintain at least a checking account, a discussion about Nash's principle of eventually eliminating dependence on traditional banking institutions. Weighing the philosophical aspects against practical considerations, ultimately focusing on having the freedom to choose whether to use banks or not.

Rethink Your Thinking: Added later by Nash, this fifth principle encourages constant questioning of conventional financial wisdom. Sharing of personal evolution in thinking over time and how Remnant Finance itself is a case study in rethinking financial approaches.

▶️ Chapters: 

00:01 - Introduction to Nelson Nash's principles

04:00 - The banking function and whole life insurance

05:00 - Think long term - first principle

12:00 - Don't be afraid to capitalize - second principle

22:00 - Don't steal the peas - third principle

33:00 - Don't do business with banks - fourth principle

43:00 - Rethink your thinking - fifth principle

47:00 - The importance of learning from those practicing what they preach

50:00 - Closing thoughts and recommendation to read Nash's book

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$4.7 trillion of taxpayer money has vanished, and it's just the tip of the iceberg.

In this eye-opening episode, Hans and Brian dive into the ongoing revelations about government waste and corruption being exposed through "DOGE" (Department of Government Efficiency) investigations. They meticulously dissect how government agencies have operated without accountability, spending trillions in what amounts to sophisticated money laundering operations.

The discussion connects these alarming discoveries to Austrian Business Cycle Theory, explaining how artificially low interest rates create unsustainable booms that inevitably lead to economic busts. By examining the parallels between this economic theory and current government spending, they reveal why a painful economic reset is both inevitable and necessary.

Through practical financial wisdom, they outline how individuals can build personal financial security through proper capitalization strategies while the government continues its reckless spending habits. They make a compelling case for whole life insurance contracts as a way to both protect against economic downturns and capitalize on opportunities when they arise.

➡️ Government Waste Exposed: The shocking revelations coming from the Department of Government Efficiency (DOGE) investigations, including untraceable spending, fraudulent agencies, and wasteful programs that serve no legitimate purpose.

➡️ Austrian Business Cycle Theory: How artificially low interest rates create unsustainable booms followed by inevitable busts, drawing parallels between this economic theory and the current government spending situation.

➡️ USAID and Money Laundering: Examination of how foreign aid often functions as a circular system that enriches U.S. corporations and politicians while impoverishing the very people it claims to help, citing examples from Belarus and African nations.

➡️ Financial Protection Strategies: The importance of building personal capital reserves through whole life insurance contracts to both protect against economic downturns and capitalize on opportunities when they arise.

➡️ The Coming Economic Reset: Discussion of the necessity of an economic "fever breaking" and comparison of the current situation to a forest that needs to burn away deadwood, warning listeners that financial pain is inevitable but necessary for true recovery.

▶️ Chapters: 

00:01- Introduction and recent interview highlights

03:00 - Parallels between regenerative farming and infinite banking

05:00 - Introducing the DOGE revelations and Austrian Business Cycle

08:00 - Government job losses and public hypocrisy

14:00 - Foreign aid as money laundering

20:00 - World reserve currency maintenance through USAID

22:00 - Explaining Austrian Business Cycle Theory

29:00 - Military waste and budget fraud

36:00 - NGOs as government extensions

42:00 - The necessary economic pain ahead

45:00 - Building capital reserves for economic downturns

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What if you could become your bank, take control of your capital flow, and redirect the 34.5% of income most Americans lose to financing costs back into your pocket?

In this special episode, Scott Osborn sits down with Brian and Hans to discuss the infinite banking concept - a strategy that could transform your thoughts about money, savings, and building wealth.

They bring unique perspectives as current and former pilots who have discovered a powerful alternative to traditional banking and investing methods. Their journeys reveal how taking control of your banking function can create multi-generational wealth and financial independence.

The conversation challenges conventional wisdom about saving, investing, and financing major purchases, offering listeners practical insights into how properly structured whole life insurance policies can become the foundation for financial freedom. Without fail, most people lose track of their spending and miss opportunities to harness the power of compound interest working for them instead of against them.

Understanding the Infinite Banking Concept: This concept allows individuals to take control of their capital flow, build their reservoir, and become the beneficiary of their banking function rather than traditional financial institutions.

America's Savings Crisis: With an average savings rate of just 4% despite being the wealthiest nation in the world, Americans are failing to store and utilize money effectively. The concept addresses this problem by focusing on the storage and utilization of capital.

The Hidden Cost of Financing: The average American spends about 34.5% of their income on financing and interest payments to outside institutions over their lifetime. The banking concept helps redirect this interest back into your pocket.

Properly Structured Whole Life Insurance: A specially designed whole life insurance policy with a higher cash value component allows you to build equity quickly, borrow against it while still earning interest and dividends on the full value, and create a reliable foundation for wealth building.

 Protection, Savings, and Growth: The importance of separating financial tools by their purpose rather than trying to find one product that does everything. Whole life insurance excels at protection and savings, while other vehicles should be used for growth and investment.

▶️ Chapters: 

00:01 - Introduction to the Infinite Banking Concept

01:00 - Introduction of Special Guests

03:00 - Financial Awakening Story

05:00 - Journey to Infinite Banking

07:00 - Defining Infinite Banking

11:00 - Reframing Financial Mindsets

15:00 - The Problem with Traditional Financing

20:00 - How Policy Loans Work

24:00 - Comparing Different Insurance Products

31:00 - Clear Financial Purposes Without Blurring Lines

36:00 - Case Study: Pilot with Extra Cash Flow

41:00 - Overcoming Initial Liquidity Concerns

48:00 - Closing Thoughts on Being Your Banker

Visit RetireAirlines.com for expert guidance on retirement planning. Don't leave your future up in the air—start planning today!

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What if the solution to America's health crisis is buried in the soil beneath our feet? In this episode of Remnant Finance, Hans and Brian are joined by Kevin Muno, first-generation rancher and founder of Perennial Pastures Ranch.

Kevin shares his remarkable journey from college baseball player to regenerative agriculture advocate, explaining the principles behind soil health and discussing the controversial world of raw milk. From his initial permaculture experiments to managing thousands of acres of rangeland, Kevin provides insights into how properly managed grazing can transform degraded landscapes.

The conversation explores how regenerative practices not only create healthier ecosystems but also produce meat with superior nutritional profiles compared to conventional farming. The discussion extends to investment opportunities in regenerative agriculture and how consumers can support this growing movement.

Journey to Regenerative Ranching: After a baseball career-ending injury, the path to regenerative agriculture began with permaculture and homesteading, eventually growing into a cattle operation on 16,000 acres of leased land in San Diego County.

Regenerative Agriculture Principles: Conventional farming practices have degraded soil quality, while regenerative methods rebuild soil health through animal integration, plant diversity, and maximizing photosynthesis. This approach mimics natural ecosystems to create nutrient-dense food while healing degraded landscapes.

Factory Farming vs. Regenerative Practices: The conversation contrasts conventional factory farming with regenerative practices, highlighting how properly managed cattle create healthier meat with optimal omega-6 to omega-3 ratios (sometimes as low as 0.8:1 compared to the Standard American Diet's 16:1).

Raw Milk Revolution: The history and benefits of raw milk are discussed, including plans for launching a dairy herd share program. The group explores how government agencies have disproportionately targeted raw milk producers despite their strong safety records.

Investment Opportunity: Expansion through ranch acquisition and regeneration is underway. Using advanced technologies like satellite imagery and walkover weighing scales allows for precise management decisions years in advance, creating resilient operations even in drought conditions.

▶️ Chapters: 

00:00 - Introduction and Background

03:00 - Baseball Career and Transition to Agriculture

09:00 - Permaculture and Gardening Beginnings

14:00 - How Regenerative Agriculture Heals the Land

21:00 - Military Health and American Nutrition Crisis

26:00 - Managing Land with Animals and Crops

32:00 - Single Focus vs. Diversity in Farming

34:00 - Factory Farming vs. Regenerative Practices

39:00 - Nutrient Density in Food

43:00 - Raw Milk History and Benefits

52:00 - Government Overreach in Food Regulation

59:00 - Regenerative Ranching Investment Opportunity

01:12:00 - Advanced Metrics and Drought-Proofing Techniques

01:20:00 -  How to Support Perennial Pastures Ranch

Check out Kevin's regenerative ranching work and explore his nutrient-dense food offerings at https://campsite.bio/perennialpasturesranch - your gateway to better health through better agriculture!

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Is the Fed the enemy, or are we witnessing a hidden power struggle between global interests and national sovereignty? Perhaps both are true.

In this deep-diving episode, Brian and Hans are joined by Joe Withrow, a veteran of corporate banking and founder of the Phoenician League. With over two decades of finance experience and three published books, Joe brings unique insights from his firsthand experience during the 2008 mortgage crisis, where he witnessed the transformation of banking practices.

The conversation reveals fascinating dynamics between the Federal Reserve, global banking institutions, and the unexpected role of Jerome Powell in defending American financial interests. Joe's analysis challenges common assumptions about the Fed while offering practical strategies for building generational wealth in our current economic landscape.

Through a detailed discussion of asset allocation, passive income generation, and alternative investment approaches, this episode provides a roadmap for achieving financial independence within the complexities of modern banking. Whether you're interested in understanding global financial power dynamics or building lasting wealth outside traditional investment models, Joe's insights offer valuable perspectives for investors at any level.

Power Struggles in Global Banking: An eye-opening analysis of the tension between traditional banking establishments and globalist institutions, revealing how recent Federal Reserve policies have unexpectedly aligned with American interests against global banking initiatives.

Inside the Mortgage Crisis: Through firsthand experience at a major bank's loss mitigation department, we uncover how government incentives transformed foreclosure practices and potentially set up many homeowners for future financial struggles.

The Path to Financial Security: A systematic approach to achieving financial independence, emphasizing the importance of creating passive income streams through strategic asset allocation and careful investment selection.

Rethinking Retirement Planning: Why conventional retirement models may be insufficient and how alternative approaches to building wealth can create lasting generational impact.

Check out Joe’s work at https://joewithrow.com/, or visit https://phoenicianleague.com/ to learn more about the Phoencician League. 

▶️ Chapters: 

00:00 - Discussion on Economic Addiction to Cheap Money 

02:00 - Introduction of Joe Withrow

03:00 - Joe's Background in Corporate Banking

08:00 - Wells Fargo and the Mortgage Crisis

15:00 - Ron Paul's Influence and Libertarian Awakening

17:00 - The Fed and Global Banking Factions

25:00 - Jerome Powell vs Janet Yellen

40:00 - Financial Security and Asset Allocation

50:00 - Breaking the Generational Cycle

54:00 - Introduction to the Phoenician League

01:00:00 - Investment Strategy and Education 

01:07:00 - Off-Grid Operations and Energy Politics

01:12:00 - Closing Thoughts

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This week we are sharing an interview that Hans did on Scott Armstrong's Rebunked Podcast!

In this episode of Rebunked, host Scott engages in a deep conversation with Hans from Remnant Finance. They explore Hans's transition from a military career to the financial sector, discussing the impact of COVID mandates on their lives. The conversation delves into the flaws of the traditional financial system, the concept of infinite banking, and the importance of cash flow over net worth. Hans shares insights on how to take control of personal finances and the significance of understanding the banking system. In this conversation, Hans discusses the importance of understanding human life value and the necessity of insurance for asset protection. He introduces the concept of infinite banking through whole life insurance, emphasizing the benefits of cash value and policy loans. The discussion also covers generational wealth strategies, particularly the Rockefeller method, and the significance of financial planning in the face of economic uncertainty. Hans advocates for a proactive approach to finance, encouraging listeners to leverage their assets effectively while ensuring protection against potential risks.

Chapters

00:00 Introduction and Show Overview

01:16 Hans Toohey's Background and Career Shift

14:12 Understanding the Financial System

27:22 Infinite Banking Explained

35:30 Understanding Human Life Value and Protection

36:57 The Importance of Insurance and Asset Protection

39:13 Infinite Banking: Leveraging Whole Life Insurance

41:06 Financing Everything: The Concept of Money Printing

43:31 Understanding Cash Value and Policy Loans

46:22 Building Cash Value in Whole Life Policies

50:36 The Power of Policy Loans and Real Estate Investment

55:49 Generational Wealth and the Rockefeller Method

01:02:56 The Order of Operations in Financial Planning

01:06:14 Preparing for Economic Uncertainty and Asset Protection

01:16:23 Introduction to Financial Freedom

01:16:30 Taking Control of Your Personal Economy

You can check out Scott's work at https://rebunked.substacked.com !

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What happens when you start questioning everything you've been taught about your rights and the role of government in society?

This thought-provoking episode explores fundamental questions about individual rights, government authority, and personal liberty through the lens of recent historical events. The conversation challenges conventional narratives and encourages listeners to question established thinking patterns while exploring the true nature of constitutional rights.

Through personal experiences, legal frameworks, and historical examples, the discussion delves into how Private Membership Associations offer alternatives to government oversight, what the COVID-19 pandemic revealed about our understanding of rights, and why investing in personal education remains crucial for growth. The episode provides practical insights into how citizens can better understand and exercise their inherent rights while navigating modern society.

➡️ Foundation of Constitutional Rights: A deep dive into the relationship between citizens and government, examining how state constitutions define inherent rights and the proper role of government as a protector rather than grantor of those rights. The discussion breaks down key constitutional concepts and their practical applications in everyday life.

➡️ Lessons from Crisis Response: Using the COVID-19 pandemic as a case study, the episode examines how various mandates revealed fundamental misunderstandings about rights, commerce, and government authority. Personal experiences and observations illustrate how society responded to restrictions and what we can learn from those responses.

➡️ Alternative Legal Frameworks: The conversation explores how Private Membership Associations (PMAs) offer a legal framework for private citizens to exercise their rights outside of government control, with real-world examples from Texas gambling clubs to raw milk procurement in California.

➡️ Growth Through Investment: A discussion on the importance of continuous learning and being willing to invest in education and mentorship, even within traditional employment structures. The value of challenging existing paradigms and seeking out new perspectives takes center stage.

▶️ Chapters: 

00:01 - Questioning Authority and Inherent Rights

02:00 - Rethinking Narratives and Critical Thinking

04:00 - Understanding Rights and Government Authority

17:00 - Personal Experiences with COVID Restrictions

28:00 - Learning from Past Compliance

37:00 - Private Membership Associations

42:00 - Future Show Topics and Guest Announcements

47:00 - Closing Thoughts and Continuous Learning

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In this thought-provoking episode, Hans and Brian explore the critical difference between true insurance protection and the misconception of self-insurance. They use recent events in California as a springboard to examine broader principles of wealth protection and risk management that affect everyone.

Through real-world examples and careful analysis, they challenge popular financial advice about "buying term and investing the difference," revealing why this strategy might leave families vulnerable just when they need protection most. The conversation delves into how insurance companies evaluate and price risk, offering insights into why higher premiums often signal a greater need for coverage.

This episode goes beyond theoretical discussions, providing practical wisdom about building financial strategies that can withstand unexpected events. Whether you're just starting to build wealth or already have substantial assets, understanding the relationship between protection and growth could be the difference between lasting prosperity and financial vulnerability.

California's Policy Failures: An analysis of how state regulations, including premium caps and environmental policies, led to major insurance companies pulling coverage from high-risk areas. With average home values of $3 million in affected areas, the devastating financial impact on homeowners who lost coverage becomes even more significant.

The Reality of Self-Insurance: Through the LA fires example, a clear demonstration of why "self-insurance" is merely asset reallocation rather than true protection. A theoretical case study of a couple with an $8 million net worth split between their home and investments shows how one catastrophic event can cut wealth in half without proper insurance coverage.

Understanding Risk and Premiums: An exploration of how insurance companies price risk, whether for property or life insurance, and why higher premiums for higher-risk situations signal a greater need for coverage rather than a reason to avoid it.

The Protection-First Strategy: A detailed examination of why protection must come before wealth accumulation, or else everything built could be wiped away by a single event.

▶️ Chapters: 

00:00 - Introduction and California Contex

01:00 - Insurance Companies Pulling Coverage

02:00 - Current Events in PA and CA

03:00 - Raw Milk and Food Supply Issues

07:00 - Insurance Crisis Background 

09:00 - Property Insurance Parallels to Life Insurance

15:00 - Risk Assessment and Premium Pricing 

20:00 - The Myth of Self-Insurance 

25:00 - Real-World Example of Net Worth Impact 

30:00 - Protection First Philosophy 

34:00 - Closing Thoughts

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In this Under the Hood episode, Brian and Hans demystify the concept of cash value in whole life insurance, revealing how it fundamentally differs from conventional banking accounts. Rather than being a simple savings vehicle, cash value represents a contractually guaranteed future payment that grows stronger with time - a crucial distinction in an era of financial uncertainty.

Starting with a very timely example of the danger of dealing with and depending on the government, they highlight why traditional financial systems may not provide the security many believe they do.

Through their conversation, they share personal experiences demonstrating how building capital outside traditional systems has allowed them to make confident financial decisions even when faced with systemic challenges, offering practical insights for listeners seeking to protect their wealth and create lasting financial security.

Understanding Cash Value: An exploration of the often misunderstood concept of cash value in whole life insurance, explaining how it represents the net present value of future guaranteed payments and differs from traditional banking accounts.

Time as the Growth Engine: A detailed look at how the passage of time, rather than market performance, drives cash value growth in whole life insurance policies. This unique characteristic makes it a powerful tool for long-term wealth building.

Policy Loans and Financial Freedom: Discussion of how understanding cash value enables strategic use of policy loans, providing financial flexibility without the constraints of traditional lending.

▶️ Chapters: 

00:00 - Government Overreach and Personal Rights

11:00 - Credit Score Impact and System Independence

21:00 - Explaining Cash Value Through Examples

31:00 - Time Value and Guaranteed Payouts

41:00 - Policy Loans and Financial Decision Making 

51:00 - Building Generational Wealth

01:01:00 - Final Thoughts on Financial Independence

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Most people buy term insurance expecting to outlive it - and that's exactly what the insurance companies are counting on. In this eye-opening episode, we take a critical look at one of the most widely promoted financial strategies: "Buy term and invest the difference." What seems like sound advice on the surface reveals itself to be fundamentally flawed when examined through the lens of actual financial outcomes and human behavior.

Through practical examples and real-world scenarios, the discussion illuminates why this strategy fails most people who attempt it. Using analogies from other types of insurance and diving deep into actuarial science, we explore why term insurance is designed to expire before most people die, and why this matters for your long-term financial planning.

The conversation culminates in presenting a more effective alternative - "create an estate and invest the difference" - while explaining how convertible term insurance can bridge the gap between human life value and affordable coverage. This comprehensive approach ensures lasting protection while building living benefits through properly structured whole-life insurance.

Understanding Term Insurance Reality: A deep dive into why term insurance is the most profitable product for insurance companies, with only about 1% of policies ever paying out. The discussion reveals how term insurance is designed to expire before most people die, leaving policyholders with nothing to show for years of premiums.

The Economics of Insurance Pricing: Using practical car insurance analogies to illustrate why whole life insurance costs more than term - it's guaranteed to pay out, unlike term insurance which most people outlive. The conversation explores how actuarial science and mortality tables influence insurance pricing.

Smart Use of Convertible Term: A detailed explanation of how convertible term insurance can bridge the gap between human life value and affordable coverage, allowing policyholders to maintain insurability and gradually convert to permanent coverage as their income grows.

A Better Alternative Approach: Introduction to a more effective strategy: "Create an estate and invest the difference." This approach ensures lasting protection while building living benefits through properly structured whole-life insurance.

▶️ Chapters: 

00:00 - Introduction and Previous Episode Discussion

03:00 -  Criticizing "Buy Term Invest the Difference"

14:00 - Term vs. Whole Life Insurance Comparison

25:00 - Understanding Convertible Term Insurance

37:00 - Real Numbers and Practical Examples

45:00 - Final Thoughts on Financial Legacy

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