By Brian Moody & Hans Toohey
5
8686 ratings
The podcast currently has 15 episodes available.
What if everything you've been told about retirement planning is based on outdated assumptions? Brian and Hans challenge the status quo of financial planning. Why are over 50% of people with 401(k)s unable to retire on those funds alone?
They dissect the concept of "stress testing" your financial strategy - a process that most advisors overlook. Why is having a well-informed, comprehensive plan so crucial in today's economic landscape? And how can rethinking traditional retirement methods lead to greater financial security?
From the power of guaranteed cash flow to the importance of legacy planning, learn why focusing on certainty rather than just accumulation could be the key to your financial freedom.
Rethinking traditional retirement planning leads to better outcomes: Conventional wisdom about qualified retirement plans and the "magic number" for retirement may be flawed. By focusing on guaranteed cash flow rather than just accumulation, you may need less saved than you think to retire comfortably.
Incorporate guarantees for a solid strategy: A robust financial plan should include elements that offer certainty, such as guaranteed income streams. This helps protect against market volatility and economic uncertainties, giving you peace of mind about your financial future.
Long-term thinking and legacy planning: By extending your financial strategy beyond your own retirement to consider multi-generational wealth, you can create a lasting impact. Tools like whole life insurance can play a crucial role in this long-term planning, offering benefits that extend well beyond your lifetime.
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Why do the ultra-wealthy play by different financial rules? Because they create the rules for both us and them. Brian and Hans discuss policy loans, a cornerstone of the Infinite Banking Concept that most financial advisors never mention. What exactly happens when you borrow against your own life insurance policy, and why is it more powerful than any other lending mechanism?
They unpack how policy loans can provide unparalleled financial flexibility, allowing you to access capital without the red tape of banks or the prying eyes of lenders. Learn how smart investors are using this to fund real estate deals, start businesses, or create generational wealth - all while their original capital continues to grow uninterrupted.
In this episode
Policy loans offer unparalleled flexibility and control: Policy loans from whole life insurance policies allow you to access your money without underwriting, questions about usage, or set repayment schedules. This gives you significant financial flexibility and control over your capital.
Policy loans have unique repayment advantages: Unlike traditional loans, 100% of policy loan repayments go toward the principal. Interest is calculated separately and added to the loan balance annually. This structure can make policy loans more efficient than traditional amortized loans.
Policy loans don't interrupt the growth of your cash value: When you take a policy loan, your cash value continues to grow uninterrupted. The loan is made against your cash value as collateral but doesn't actually withdraw from it, allowing for continuous compound growth.
Policy loans can be a powerful tool for wealth building: By using policy loans strategically (e.g., for investments or major purchases), you can potentially create a "multiplication effect" where your money works in multiple places simultaneously. This can be more efficient than traditional saving or borrowing methods.
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You’ve probably heard someone say, "The market averages 12% returns over the long term." In this episode, Brian and Hans tackle why this is an extremely misleading metric that can lead to unrealistic expectations about wealth growth.
Using real-world examples, they demonstrate how the average rate of return fails to accurately predict investment outcomes. Not only can this metric not be used for future return projections, but it does not even accurately reflect the actual returns over the time span from which the numbers were derived! Also absent in most financial projects are the eroding factors that can significantly reduce actual returns, such as taxes, fees, and portfolio churn.
This episode will challenge what you think you know about market returns and offer a fresh perspective on building long-term wealth.
The Average Rate of Return Fallacy: The average rate of return is a misleading metric for financial planning. It fails to accurately reflect real investment outcomes because it doesn't account for the sequence of returns, particularly washing out the impact of negative years. This can lead to significant overestimation of future wealth.
The True Impact of Losses: Even a few negative years can dramatically impact long-term wealth accumulation. A 50% loss requires a 100% gain just to break even. This underscores the importance of protecting your capital and seeking financial vehicles that offer uninterrupted compound growth, rather than chasing high but volatile returns.
Hidden Erosion Factors: Beyond market performance, factors like management fees, taxes, and unexpected life events can significantly reduce actual returns. These are often overlooked in traditional financial projections but can have a substantial impact on long-term wealth accumulation.
Prioritize Certainty and Control: Instead of relying solely on speculative market returns, seek out financial strategies that offer more guarantees and put you in control. Consider incorporating tools like properly structured whole life insurance that provide consistent growth, tax advantages, and financial flexibility. Remember, you only get one shot at this - make it count by focusing on certainty rather than chance.
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In this episode, Infinite Banking Concept Authorized Practitioners Brian Moody and Hans Toohey discuss conventional investment wisdom that they no longer buy into. They critique the unspecific yet incessant advice to "buy the dip," “the market is on sale,” on every downturn, arguing that it lacks any semblance of technical analysis and ignores crucial factors like taxes, fees, and inflation.
Federal Reserve policies have inflated asset prices, creating a disconnect between market performance and actual economic productivity. They illustrate the risks of market-dependent retirement plans using historical data, demonstrating how early market downturns can devastate retirement savings.
When financial planning, prioritize wealth protection and optimal savings before focusing on growth. Hans and Brian argue that this method creates a more robust financial strategy that is less vulnerable to unexpected life events or economic changes.
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Hans Toohey, former Navy helicopter pilot, traded his flight suit for a mission to revolutionize personal finance. In this episode, Hans shares how his experience at a liberal Ivy League University, Harvard Kennedy School, and his stance against the COVID-19 vaccine mandate became unexpected catalysts for questioning mainstream narratives. Hans’ refusal of the vaccine mandate resulted in unfair punishment from the Navy. He was immediately grounded from flying and relegated to idle assignments for about two years. This led him to stand firm in his convictions and dive deep into unconventional financial strategies like the Infinite Banking Concept (IBC).
If you're ready to challenge the status quo, take control of your financial destiny, and explore wealth-building methods that big institutions don't want you to know about, this episode is a game-changer.
Challenge the Status Quo: Don't accept conventional wisdom at face value. Actively question mainstream ideas in finance, health, and career. Seek out alternative perspectives and form your own informed opinions.
Adapt To Unexpected Challenges: Hans's experience with the COVID-19 vaccine mandate demonstrates how unforeseen events can disrupt career plans. Be flexible and willing to pivot when faced with obstacles.
Commit to Lifelong Learning: Never stop educating yourself. Actively seek out new information and ideas, especially those that challenge your current beliefs. Be open to changing your mind when presented with compelling evidence or theories.
Take Charge of Your Finances: Don't passively follow institutional financial advice. Educate yourself about various financial strategies, including alternative ones like the Infinite Banking Concept. Make informed decisions that align with your personal goals and values, and actively manage your financial future.
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Meet Brian Moody, Air National Guard pilot turned financial educator. In this episode Brian shares his life story; How he went from thinking about his finances like most people to embracing the IBC. Brian talks about how the COVID-19 vaccine mandate threatened his military career, leading him to stand firm in his convictions and explore alternative financial strategies.
If you're ready to take control of your financial future and create lasting wealth that no bank or big institution can threaten, this episode is a must-listen.
Standing Up for Convictions: Brian's experience with the COVID-19 vaccine mandate in the military highlights the importance of standing firm in one's beliefs, even when faced with significant personal and professional risks.
The Power of the Infinite Banking Concept (IBC): Discovering IBC through Nelson Nash's book "Becoming Your Own Banker" transformed Brian's approach to personal finance, leading him to implement it for his family and eventually build a business around teaching it to others.
Breaking Generational Cycles: A pivotal moment with his dying father made Brian realize the impact of generational trauma and the importance of breaking negative cycles, both emotionally and financially. This realization, combined with IBC, motivated him to change his family's financial legacy.
Rethinking Retirement and Wealth Building: Brian challenges conventional notions of retirement and wealth accumulation, emphasizing the importance of continuous value creation, generational wealth through IBC, and aligning core values with one's spouse for long-term financial success.
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You might not realize it, but you’re playing financial chess against three powerful opponents: financial institutions, the government, and corporations. These entities strive to keep your money as long as possible while returning as little as they can. Until you step away from “Conventional Financial Planning” you’ll never be guaranteed to win.
Financial Stockholm Syndrome is what happens when people paradoxically defend systems that are working against their best interests because it’s what they’ve been told. It’s time to rethink your thinking about financial physics. We know your 401(k)s and conventional financial planning growth assets benefit financial institutions immensely, have you considered why they want you in those products? Qui bono?
In this episode, Brian and Hans discuss how you can start prioritizing cash flow over net worth and enjoy the fruits of your labor today, rather than waiting decades.
Your Financial Opponents: Financial institutions, like banks and investment firms, aim to keep your money for as long as possible, benefiting from products like amortized loans and 401(k)s. The government acts as a significant player through taxation and regulation, creating obstacles to which they offer minor concessions that may not truly benefit individuals. Corporations participate in this system through tax-incentivized programs.
Conventional Financial Advice: Is the "save for retirement" mindset a good strategy? Qualified plans often benefit financial institutions and the government more than individuals while they defer your taxes and tie up money in illiquid investments. Rethink focusing on net worth over cash flow, in blindly trusting financial institutions, and in having a hands-off investing approach.
Financial Stockholm Syndrome: A phenomenon where people staunchly defend traditional financial systems and advice that may not serve their best interests. This stems from a lack of awareness about alternative strategies, trust in established institutions, and fear of deviating from financial norms.
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Your policy design affects how fast your cash grows and the degree of early capital accessibility. In the first of a recurring ‘Under the Hood’ series, Hans and Brian dive into the often misunderstood concept of Policy Design—the structure and components that make up your whole life insurance policy.
While many people view insurance premiums as just an expense, it is more accurate to think of premium into the policy as moving from a less efficient vehicle to an optimal savings vehicle. This ‘cash value,’ is accounted for as an asset, which enjoys extremely favorable tax benefits in addition to first line secured creditor access rights.
Understanding policy mechanics helps you make informed decisions about premium allocation to boost the efficiency of your whole life insurance policy. An intentionally strucutred ratio of base premium to paid-up additions (PUAs) can provide both long-term growth and early cash value accessibility. Maximizing the potential of your policy through proper design is both a powerful financial strategy now as well as a way to secure your family's financial future.
Learn how to ensure your policy is aligned with your long-term financial goals:
Base Premium vs. Paid-Up Additions (PUAs): The structure of a whole life policy involves a balance between base premium and PUAs. Base premium builds the foundation of the policy, while PUAs provide early cash value growth and accessibility.
Long-Term Thinking: Proper policy design requires long-term thinking. While PUAs provide immediate cash value, a strong base premium yields greater efficiency and growth in later years.
Customization: Policy structure should be tailored to individual needs and goals. Factors like age, financial objectives, and time value of money play crucial roles in determining the optimal balance between base premium and PUAs.
Cash Value Accessibility: A well-structured policy allows for immediate cash value accumulation through PUAs, making funds more accessible for the Infinite Banking strategy without sacrificing long-term growth potential.
Premium as an Asset: Unlike term insurance, whole life insurance premiums should be viewed as purchasing an asset rather than an expense (which is why banks and corporations stack the asset column of their balance sheet with whole life cash value). The policy's cash value remains accessible and grows contractually guaranteed over time, providing both protection and a financial tool for implementing the Infinite Banking Concept.
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Is whole life insurance really a scam? In this episode, Brian and Hans read through and discuss an actual conversation they had and explore the often-repeated challenges to whole life and the infinite banking concept (IBC).
While many financial gurus dismiss whole life insurance, there's more to the story than meets the eye. Whole life insurance is a powerful savings vehicle, not just an insurance product. This distinction is crucial for understanding its true value in your financial strategy.
For example, a $500,000 whole-life policy isn't just about the death benefit. It's a contractual asset that grows guaranteed over time, potentially outpacing inflation and offering unique tax advantages. The hosts explain how this works and why it matters for long-term financial planning.
Brian and Hans also address the concept of "human life value" - the idea that your future earning potential is your most valuable asset. They explain how whole life insurance protects this value, offering your family financial security and peace of mind.
Tune in to learn why whole life insurance and IBC might be the missing pieces in your financial puzzle.
Key Takeaways:
Historical Performance: Whole life insurance has a long-standing track record of reliability. With 100-200 years of consistent performance and no defaults on American policies, this history demonstrates the product's stability and the industry's ability to meet its obligations, even through various economic cycles and crises.
Contractual Obligation: Whole life insurance is a legally binding contract between the insurer and the policyholder. This means that the insurance company is legally obligated to fulfill the terms of the policy. The contractual nature provides a level of security and predictability that no other financial product can match.
Regulatory Oversight: The insurance industry, including whole life insurance, is heavily regulated and backed by government oversight. This regulatory framework provides additional protection for consumers and ensures that insurance companies maintain sufficient reserves to meet their obligations. There is no ‘bank run’ equivalent to an insurance company.
Misunderstandings: Many criticisms of whole life insurance come from misunderstandings about how it works. People often compare it to investments rather than seeing it as a savings and protection vehicle from which you can invest more optimally. Brian and Hans also address misconceptions about cash value accessibility and the long-term nature of the product.
Got Questions? Reach out to us at [email protected]
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