In this episode of the Wade Borth Podcast, Wade dives into the power of mutual insurance companies and why ownership matters. He breaks down common misconceptions about life insurance, highlights the difference between mutual and stock companies, and explains how clarity, certainty, and long-term thinking can relieve financial pressure. If you are seeking more control, freedom, and security in your financial life, this conversation is for you.

Episode Highlights 00:21 - Clarifying financial misconceptions. 01:29 - Empowering people through mutual insurance. 02:29 - Why mutual insurance companies benefit policyholders. 03:45 - Historical roots of mutual insurance companies. 04:48 - Difference between mutual and stock insurance companies. 07:10 - Long-term focus of mutual companies vs. short-term of stock. 09:41 - Certainty and exit strategy with whole life insurance. 11:01 - Venture capital influence on stock insurers. 12:10 - Dividends vs. Wall Street-driven interests. 13:52 - Importance of understanding your insurance products. 14:46 - Encouragement for thoughtful financial discussions.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected] 

In this episode, Wade unpacks what the recent stock market downturn—and how Warren Buffett’s surprising moves—can teach us about how the wealthy think. As the market sees sharp declines and uncertainty rises, Wade reminds us that true opportunity lies in preparation, not prediction. It’s not about chasing returns—it’s about having savings in safe, liquid places so you can act when others hesitate. This episode is a powerful mindset shift for anyone looking to gain clarity, control, and a long-term advantage in turbulent times.

Episode Highlights 01:22 - Observing Buffett’s strategic moves. 03:39 - Market turbulence and investor sentiment. 05:57 - Buffett’s selling strategy explained. 06:52 - The underestimated value of liquidity. 08:51 - Difference between saving and investing. 09:52 - Strategic patience and investment timing. 10:47 - The power of financial discipline. 12:01 - Thinking like wealthy individuals. 13:04 - Importance of readiness for opportunity.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected] 

In this episode of the Wade Borth Podcast, Wade sits down with Kent Kraiter—a long-time client, friend, and newly minted colleague. With over 30 years of military service and a deep curiosity for financial education, Kent shares his personal journey from soldier to servant-leader in the world of personal finance. They dive into life transitions, financial empowerment, the importance of planning beyond retirement, and how curiosity and clarity can pave the way to a more abundant future. If you're navigating change or searching for a deeper sense of purpose, Kent’s story will resonate.

Episode Highlights 02:00 - Kent’s Military Background. 04:09 - Discovering the Air National Guard. 06:59 - Introduction to Financial Independence. 10:36 - Curiosity and Lifelong Learning. 17:23 - Embracing Change Post-Military Life. 25:00 - The Whisper of Financial Pathways. 35:05 - The Importance of Looking Beyond Retirement. 39:30 - Serving Through Financial Education. 46:45 - Planning for Life After Retirement. 52:40 - Empowering Through Conversations. .

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]
• Connect with Kent Kraiter
• https://www.linkedin.com/in/kent-kraiter/  

In this episode, Wade Borth sits down with former police officer turned IBC advocate Brian Fleming. Brian shares his journey from 25 years in law enforcement to discovering the Infinite Banking Concept and returning to the financial world with a mission to serve. Together, they explore how control, financial education, and a properly structured whole life policy can transform lives—especially for those in high-risk professions like law enforcement and for real estate investors seeking smarter ways to fund their ventures. It's a powerful conversation about truth, stewardship, and taking ownership of your financial future.

Episode Highlights 05:55 - Transition from law enforcement to insurance 06:59 - Infinite banking discovery through real estate 10:17 - Misconceptions about life insurance 13:48 - Importance of understanding financial truths 16:44 - Application of infinite banking in real estate 19:27 - Success story of shifting to hard money lending 21:33 - Saving a project with life insurance liquidity 25:14 - Importance of continuous financial education .

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]
• Connect with Brian Fleming
• https://www.factumfinancial.com/the-team/  

In this episode of the Wade Borth Podcast, Wade sits down with Joshua Smith, a former real estate investor turned financial strategist. Josh shares his journey through the 2008 financial crisis, the lessons he learned about debt, liquidity, and financial control, and how he transitioned from traditional financial advice to Infinite Banking. They discuss the pivotal moments that reshaped his mindset, the benefits of whole life insurance as a financial tool, and how he now helps others take control of their financial future. Tune in for a deep dive into financial resilience, long-term wealth strategies, and the power of financial education.

Episode Highlights 22:32 - Job loss: financial safety net. 24:31 - Family legacy. 25:25 - The importance of financial education. 31:36 - Opportunities from having liquidity. 37:00 - Saving vs. investing distinction. .

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]
• Connect with Joshua Smith
• https://www.linkedin.com/in/gogiversolutions/ 

In the final installment of the Tough Money series, Wade Borth and David Zapata conclude their deep dive into building a resilient financial strategy. This episode focuses on aligning your investments with your values, understanding risk, and achieving financial freedom through intentional planning. Learn how liquidity serves as the foundation for managing risk and explore the critical balance between savings and investments. Wade and David also discuss strategies for setting freedom numbers, navigating risk, and creating a framework for long-term financial health. Don’t miss this powerful conversation that ties together the principles of the Tough Money curriculum.

Episode Highlights

08:03 - Snorkel vs. deep dive into financial awareness. 10:53 - Income strategy: Cash flow vs. accumulation. 18:08 - Classifying investments: Short-term, mid-term, and forever. 21:14 - Risk, returns, and noise in asset management. 24:27 - Conversation on defining and managing risk. 30:10 - Liquidity as a hedge against risk. 32:14 - Importance of a balanced financial portfolio. 35:10 - Flexible curriculum for financial education.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata/  

In part three of the Tough Money series, Wade Borth and guest David Zapata explore the vital role of liquidity in building financial resilience. They discuss why having liquid, safe assets is foundational to weathering life’s challenges and seizing opportunities. From understanding what truly counts as liquidity to calculating your "days of liquidity," this episode offers practical insights to align your finances with your values and create a robust financial foundation. Don’t miss this crucial conversation, and stay tuned for part four, where they’ll dive into investments and their relationship with liquidity!

Episode Highlights

04:10 - The vital role of liquidity. 05:06 - Foundation is key to financial health. 07:20 - Smart Money’s focus on reserves. 10:49 - Liquidity vs. perceived liquidity. 13:44 - Days of liquidity: a vital metric. 17:18 - Evaluating your savings environment. 21:08 - Tough money and antifragility. 23:00 - Smart money’s approach to liquidity. 25:36 - Balance between cash and investments.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata/  

In part two of the Tough Money series on the Wade Borth Podcast, Wade and guest David Zapata continue their exploration of building financial resilience by diving into debt strategies. They discuss how to evaluate your relationship with debt, classify it effectively, and make intentional decisions aligned with your values and goals. This episode provides practical insights for creating a thoughtful financial framework, whether you're managing personal or business finances. Don’t miss this engaging conversation, and stay tuned for part three, where they’ll explore liquidity and investments!

Episode Highlights 01:06 - Relationship and exercise analogy with money. 01:35 - Luck or strategic financial decisions. 03:32 - Change as a constant factor in financial management. 06:06 - Rethinking debt and financial education nuances. 08:03 - Understanding debt-to-income ratio (DTI). 10:02 - The importance of aligning spending with values. 12:57 - High-income earners and lifestyle financing challenges. 19:26 - Hierarchy and strategic use of debt. 23:33 - Becoming your financial auditor for better management.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]
• Connect with David Zapata
• https://www.linkedin.com/in/bydavidazapata/ 

In this episode of the Wade Borth Podcast, Wade is joined by frequent guest and colleague David Zapata of Factum Financial to delve into the concept of "Tough Money." They explore the importance of building a stronger, more resilient relationship with your finances by addressing foundational habits, improving financial awareness, and preparing for life’s unexpected events. David shares insights from the Tough Money Workbook, breaking down actionable strategies to help you take control of your financial future. Tune in for practical advice and thought-provoking discussion, and stay tuned for part two, where they’ll tackle debt strategies.

Episode Highlights 05:16 - One plus one equals 11 philosophy. 07:46 - Lack of close relationships with money. 09:13 - Concept of “anti-fragility.” 12:44 - Events that impact money management. 14:41 - Financial pressure as strength. 17:50 - Financial management and tough money. 19:57 - Exercise to track income and expenses. 21:47 - Importance of savings rate.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected] 

In this episode of The Wade Borth Podcast, Wade tackles a common question: "Should I take a life insurance policy out on my child?" Wade dives deep into the Infinite Banking Concept (IBC), explaining the benefits of starting policies early, teaching financial stewardship, and ensuring guaranteed insurability. He also addresses misconceptions, explores the importance of a family banking system, and shares insights on maintaining control of policies. Whether you're new to IBC or a seasoned listener, this episode is packed with valuable insights for building generational wealth. Tune in, learn, and take the first step toward financial freedom.

Episode Highlights 01:39 - Should I take a policy out on my child? 03:37 - Teaching financial habits through child policies. 06:06 - Grieving a child’s loss: the financial impact. 09:04 - Insuring children for guaranteed insurability. 11:31 - Family banking system and life insurance. 15:04 - Children learning through policy ownership. 18:51 - Retaining policy ownership within the family. 25:17 - Planning for the next generation’s financial freedom.

Episode Resources

• Connect with Wade Borth
• https://www.sagewealthstrategy.com/
• [email protected]