Wealth On Main Street

Most people don’t realize they’re “doing banking” every day. They call it car payments, mortgages, credit cards, and lines of credit.

Here’s the truth Garrett Gastil shares in this episode: Banking will happen to you, or you’ll be in control of it.

Garrett is one of Ascendant Financial’s newest teammates in the United States. He may be early in his practitioner journey, but he is not early in impact. Most importantly, he’s a husband and father who chose to stop outsourcing his financial future. What happened next surprised him.

Garrett’s first exposure to Infinite Banking came about seven years ago, before his first child was born. At the time, he was working in consulting. He was chasing performance, promotions, and status.

He wanted to become the youngest partner at his firm. However, the schedule came with a cost. Long days. Late nights. Less time with family. More pressure. More treadmill.

Then he did something many driven professionals do: he tried to “solve it” by investing. Like many people, Garrett read Rich Dad Poor Dad and started exploring real estate. He built spreadsheets. He ran projections. He did the math.

And what he saw felt discouraging: If he bought one rental, and it cash-flowed a little each month… he might reach financial freedom decades later.

That wasn’t freedom. That was a delay.

Garrett and his wife were doing what they were told was “smart.”

Yet the problem was simple: their money was locked away. So when opportunity showed up, the capital wasn’t ready.
And when life happened, flexibility was limited.

That’s when Garrett’s uncle introduced him to Infinite Banking. Garrett read Becoming Your Own Banker and made a decision fast.

He got started with a small policy. Then, as he describes it, something changed once he actually started. “You kind of have to get in the water to really experience this concept.”

There’s “understanding” a concept intellectually. Then there’s experiencing what it produces in real life.

Garrett describes how the process created a tangible sense of control. Because now, financing was no longer something happening to him. It became something he could direct.

He and his wife began building their own family banking system. They went all-in. And here’s the key: it didn’t just change money. It changed their options.

Garrett says it plainly: “We’ve had a lot more abundance and a lot more freedom than we would have had otherwise.”

That showed up in real-life decisions, like:

Even better, as repayments happen, the system replenishes. It’s financing from a position of strength. And that strength hits differently when you’re raising a family.

This episode carries a powerful emotional undercurrent: Garrett isn’t just building wealth. He’s building certainty for the people he loves.

He talks about how comforting it is to know his wife and children would be taken care of if something happened to him. That kind of protection isn’t theoretical. It’s real.

It matters because, as Richard points out in the conversation, no parent wants to leave a mess behind.

Garrett reinforces this with a hard truth many families face: when parents age without liquidity and planning, their children often inherit stress, confusion, and financial burdens.

Infinite Banking doesn’t remove life’s challenges. However, it changes the posture a family can take when those challenges arrive.

Garrett shares something practitioners see every day: There is a lot of noise online.

People hear about IBC from a dozen voices. They hear about “better versions,” sensational claims, and competing product pitches. Then they get stuck.

Garrett’s advice is refreshing because it’s simple:

This is not a “product purchase.” It’s a lifestyle shift. It’s a long-term system you build, then live inside.

One of the most essential takeaways from this conversation is almost laughably obvious once you hear it:

Does having more control over your financial life hurt you? Of course not.

And that’s why Garrett’s line hits so hard: “Banking will happen to you, or you’ll be in control of it.”

If you’re a parent, business owner, or ambitious professional who feels boxed in by the “standard plan,” this episode will reset your thinking.

Watch on YouTube: Click Here!

Prefer audio? Listen Here!

If you want to regain control of cash flow, increase liquidity, and create a system that supports your family’s future, we can help.

Book a discovery call with our team: Click Here!

We’ll help you map out your current cash flow, clarify your goals, and determine what building a Family Banking System could look like for your situation.

• Are You Ever Too Old to Start Infinite Banking?
• Mary’s Starting Point: “I Was Intrigued Because It’s Not the Normal Program.”
• The Learning Curve: Real Talk About Reading the Book
• Why This Felt Different: “It’s Stabilizing”
• The Big Shift: Control Over Cash Flow
• Legacy Thinking: Beyond Mary
• Stan’s Reminder: You’re Not Too Late
• Listen: Spotify
• Want Help Building Your Own Family Banking System®?
  • Got questions? Send them to: [email protected]

Most people assume financial change has an expiration date.

In this episode, Richard Canfield sits down with Mary Hadfield (age 71), a mother and grandmother who proves that it’s never too late to regain control of your money. Joining the conversation is Stan Wolny, who has been guiding Mary through her Infinite Banking journey.

This is a real client story, straightforward, honest, and deeply encouraging.

Mary didn’t discover Infinite Banking through a flashy ad or a trendy financial product.

She was introduced through someone she trusted. And once she saw the concept, her response was straightforward: “It was a no-brainer.”

Mary is the kind of person who stays curious. She’s open to better ideas, and she’s not afraid to rethink how money works, especially when the world keeps changing so fast.

Mary also shared something many people quietly feel: She loves reading, but heavy detail can slow her down.

Even so, she read Becoming Your Own Banker and recommends it because it offers the proper perspective on what this process actually is.

What made the most significant difference?

Coaching. Mary emphasizes how valuable it is to have someone who is accessible to answer questions and explain things clearly, without making you feel small.

Mary has avoided traditional banks for much of her life and preferred credit unions because of the people factor.

That theme came up again in her experience with the application process and support:

For Mary, Infinite Banking isn’t just about dollars; it’s about confidence and stability.

Mary is now moving into the most exciting stage, putting the policy into practice.

She’s exploring a first policy loan to pay off a higher-interest obligation, improve cash flow, and redirect interest back into a system she controls.

Her mindset is simple: If I can make my money grow faster and work smarter, why wouldn’t I?

Mary’s reasons go beyond herself. She’s thinking about her children and granddaughter and what it means to leave something behind that actually helps.

She also shares a powerful truth: You can share a good idea… but people have to be ready for it.

“You can lead a horse to water, but you can’t make it drink… unless you make it thirsty.”

Stan hears this constantly: “I’m too old to start.”

His answer is firm: No, you’re not. You’ll always need to finance things in life. The question is whether you’ll do it from dependency… or from control.

Book a discovery call with our team: Click Here!

Most people dream about starting a business. Cory Brewer accidentally built one.

• The Accidental Entrepreneur: From Lawn Care to Leadership
• Why Culture, EOS, and Collaboration Changed the Game
• AI, Remote Teams & Buying Back Time
• Why the Trades Will Mint the Next Wave of Millionaires
• The Mindset Shift: From Competitive → Collaborative → Scalable
• Episode Highlights
• Free Resources Mentioned
• If You’re a Trades or Service Business Owner, This Episode Is a Must-Watch
• Ready to Build a Business You Actually Control?

What began as a lawn-mowing hustle for beer money turned into a multi-million-dollar landscaping company, Beyond Landscaping, with 40+ full-time staff, industry-leading systems, and a culture that people don’t want to leave. Today, Cory Brewer joins Richard Canfield and Jayson Lowe to share how a kid who disliked labour work ended up building one of the most successful trades companies in Western Canada.

If you’re a trades or service-based business owner who feels overworked, understaffed, or stuck in day-to-day chaos, this episode will show you what’s truly possible when mindset, systems, and collaboration come together.

Cory never set out to build a large company. In fact, he openly admits he didn’t love labour jobs. But he did love people and solving problems.

What started with a lawn mower quickly transformed as demand grew. Yet, like many founders, Cory hit the wall: long hours, no systems, no delegation, and the crushing belief that “If I don’t do it, it won’t get done right.”

Everything shifted after a simple but powerful piece of advice from his uncle. It pushed Cory to rethink leadership, reconsider his relationship with control, and begin the transition from operator → owner → leader.

Most business owners in the trades believe the biggest bottleneck is labour shortages or competition. Cory discovered the opposite: “People don’t stay because of the company. They stay because of who they get to work with.”

Through implementing EOS (Entrepreneurial Operating System), building a team-driven culture, and embracing collaboration rather than competition, Cory finally stepped out of fieldwork and into real business ownership.

Suddenly, the business became scalable. Cory’s time became more valuable. And opportunities multiplied.

One of the most surprising lessons in this conversation is how Cory uses AI tools and remote executive assistants to buy back time and streamline operations.

Scheduling, estimating, communication, recruiting, and admin, all of it became easier, faster, and more reliable once he embraced leverage.

For trades business owners, this is a wake-up call: Technology isn’t replacing you. It’s freeing you.

In a world where many younger workers avoid traditional trades, Cory argues that:

As a result, the next generation of millionaires won’t be influencers; they’ll be tradespeople who choose to run their companies like businesses, not job sites.

This episode is a roadmap for exactly how to do that.

Cory shares openly how pride and secrecy held him back. But when he began sharing ideas instead of protecting them, partnering instead of competing, and delegating instead of controlling, everything changed.

His message to business owners: “Success isn’t about doing everything yourself. It’s about building the team that can.”

In this powerful conversation, you’ll learn:

Don’t Spread the Wealth | Keep money in the family for generations
https://dontspreadwealth.com

Cash Follows the Leader | 91-year case study on Infinite Banking
https://cashfollows.com

Growing Your Own Capital | How business owners can control their financing
https://a.co/d/3LnzZhd

Whether you’re in landscaping, HVAC, plumbing, electrical, roofing, renovations, or any service-based company, Cory’s story will challenge how you think about work, leadership, wealth, and growth.

Building a business shouldn’t cost you your life. With the right structures and thinking, it should give your life back to you.

If you’re ready to regain control of cash flow, remove financial pressure, and build a system that supports your business rather than drains it, start here:

Book a discovery call with our team
https://www.ascendantfinancial.com/should-you-book-a-call/

We’ll help you map out a Family Banking System®, create liquidity, and optimize how your business finances its own growth.

Questions? Send them to [email protected]

Most people feel the pressure long before they understand where it’s coming from. The grocery bill creeps up, mortgage renewals pinch harder, and the paycheck seems to vanish faster every single month.

FULL TRANSCRIPT available here → CLICK HERE!

In this two-part “Triple Threat” series, Jayson Lowe, Richard Canfield, and Henry Wong sit down to unpack why everyday Canadians and Americans are feeling squeezed and, more importantly, what you can actually do about it.

This episode is for the you-and-me crowd: the workers, savers, parents, and business owners trying to navigate a financial system that rarely plays fair.

Instead of burying you in jargon, the trio pulls back the curtain on what’s really happening behind inflation, tariffs, tax policy, and the banking system and how those decisions ripple directly into your household cash flow.

Henry opens with a simple truth: Most families are watching the wrong scoreboard.

Ottawa and Washington release their CPI numbers and headline inflation stats, but none of those tell you how your dollars are being stretched. Policy decisions like tariffs, deficits, new programs, or money creation always show up eventually:

These are silent taxes that cost you, even though nobody hands you an invoice. Prices climb, confidence drops, and families work harder to stay in the same place.

And that’s before income tax enters the picture.

When inflation erodes your purchasing power, you try to earn more to compensate… but doing so pushes you into higher tax brackets. So now you’re being penalized for attempting to repair damage the system caused in the first place.

As Jayson says: “You’re earning more shrinking dollars, and that’s the trap.”

Financial markets don’t issue warnings. They don’t knock. They drop.

From the oil crises to Black Monday, from the dot-com crash to COVID, and now tariff uncertainty, markets react instantly, while households absorb the slow damage for years.

Henry shows a powerful illustration: what a $100,000 income in 2015 buys today.

The answer? About 28% less.

To earn your way back to the same lifestyle, you must make more, but the progressive tax system quietly collects a larger share at each step.

It’s economic sleight of hand, and it hurts the most those who follow traditional advice.

While advisors obsess over returns, charts, and rates, the Triple Threat team shifts the conversation to something more fundamental:

Control is the real ROI.

Jayson explains how the Infinite Banking Concept allows families to step out of the part of the financial machine that drains value and into the part that compounds it.

Dividend-paying whole life insurance:

When he shares his own numbers $20,000 premium turning into more than $32,000 of new cash value in a single year, the message becomes clear:

Inflation becomes irrelevant when you control the banking function in your life.

Richard and Henry share similar experiences: Policies quietly compound while the world feels chaotic.

No investment illustration reflects how policy loans helped build multi-million-dollar businesses, purchase equipment, or fund family opportunities, but that’s the real power of becoming your own banker.

Henry distills one of the most critical insights in this episode: Most people don’t lack financial products. They lack financial structure.

They have RRSPs, TFSAs, mortgages, business accounts, insurance policies, and savings scattered everywhere. But without a unified system, they’re managing chaos, not wealth.

Your cash flow, taxes, debt, liquidity, and mindset all interact. If those pieces aren’t engineered to support each other, financial stress becomes your default mode.

That’s why the Ascendant team focuses on:

Because, as Henry says, “Hope is not a hedge structure is.”

We’re living through an era of rapid policy shifts: tariffs, deficits, interest rate swings, political instability, and capital flight. None of these announcements comes with a guide explaining how they affect your family.

This episode is that guide. You’ll learn:

And perhaps most importantly: You’ll walk away understanding how to stop losing money the usual way and start keeping it the smart way.

Nelson Nash used to say, “Most people would rather die than think.”

This episode invites you to think differently, strategically, and independently. If policymakers won’t protect your financial future, you must learn to do it yourself. And this conversation is the roadmap.

Becoming Your Own Banker, the book that started it all.
Don’t spread the Wealth. Keep wealth in the family where it belongs.
Cash Follows the Leader: Learn how family banking compounds over generations.
Keep Taxes Away from Your Wealth: Five proven strategies to reduce tax now and later.

Get your free copies here:

Got questions for the show? Please email us: [email protected]

Explore more Wealth On Main Street episodes → https://wealthonmainstreet.com/podcast/

When Policy Meets Reality

“If you think you’re going to bring our trade with the United States down to zero, you’re dreaming.” – Kim Moody

Canada’s economy is inseparable from the United States. Nearly 70 percent of our economic activity depends on that relationship. So when the federal government drops a new budget promising $60 billion in savings, public-service cuts, and “sacrifice,” the ripple effect reaches every Main Street business and household.

This week on Wealth on Main Street, Richard Canfield sits down with Kim Moody, founder of Moody Private Client and one of Canada’s most outspoken tax experts. Together, they unpack what’s really inside Ottawa’s 2025 budget and what it means for Canadians trying to protect family wealth in a time of inflation and fiscal fatigue.

Kim doesn’t mince words: a delayed budget is a disgrace.

Since 1867, Canada has delivered a federal budget every year through world wars, depressions, and recessions except 2020, when COVID spending exploded without accountability. This year’s delay, he argues, signalled confusion and denial, not caution.

“A budget isn’t just paperwork; it’s a plan. Without it, business owners live in planning limbo.”

The discussion turns bluntly toward inflation, the silent tax that erodes purchasing power faster than most realize.

Moody calls this the numbing of the nation: billions and trillions tossed around until Canadians stop paying attention.
The hosts compare it to “white noise that puts people to sleep.”

There are bright spots, but they’re narrow.

Everything else? Layers of political clutter that complicate an already bloated Income Tax Act.

“We reward unproductive bureaucracy instead of simplifying the system for people who actually create jobs.”

Moody warns that Canada is repeating the mistakes that triggered the 1990s debt crisis.
There are only three ways out:

None is painless, and the current budget doesn’t commit to any of them.

The result? A growing burden on young Canadians, fewer opportunities, and an accelerating exodus of capital, nearly $450 billion in private wealth, have left the country in recent years.

Toward the end, Moody reminds listeners of an uncomfortable truth: “Canada exists at the whim of the United States.”

Whether we like it or not, roughly three-quarters of our prosperity relies on trade and investment with our southern neighbour. Trying to “cut ties” for political reasons isn’t a strategy; it’s self-harm.

Both hosts agree: the real crisis isn’t political, it’s educational. Canadians are drowning in fiscal noise yet starving for understanding. When voters can’t read a budget, accountability dies quietly.

That’s why Wealth on Main Street exists to raise financial literacy, challenge propaganda, and teach families how to control their own capital through tools like the Infinite Banking Concept.

If Parliament Hill or Capitol Hill can move your wealth, you never really owned it. That single idea frames today’s conversation with Jayson Lowe, Richard Canfield, and returning guest Henry Wong. We tackle tariffs, inflation, business valuation, and why control, not prediction, is the real edge for Main Street entrepreneurs.

Tariffs land in the news as political theatre. On Main Street, they land as math.

What actually happens:

In the episode, Henry walks through a simple illustration: a 25% tariff can trigger a drop in revenue, a deeper drop in EBITDA, and a steep fall in sale value even if you run your company well. It’s not about effort. It’s about exposure.

Inflation doesn’t kick down the door. It quietly lifts the wallet from your back pocket.

If you plan to save “just a little more” each year, you’re trying to outrun a moving walkway that’s speeding up under your feet. That’s exhausting and unnecessary.

Henry shared a useful picture: imagine two ladders, Unstructured and Structured.

Unstructured ladder
Sales → Margin → Liquidity → Credit → EBITDA → Multiple
A tariff or rate hike snaps a rung. Then another. You keep climbing, but the ladder shakes.

Structured ladder
Sales → Margin → Liquidity (reserves) → Internal Financing → Stable EBITDA → Defensible Multiple
Here, you’ve installed “shock absorbers”: capitalization, systems, and a private source of financing. Policy still moves, but you don’t fall.

Most owners are elite at creating cash flow. Fewer are elite at controlling it.

That’s where the Infinite Banking Concept (IBC) enters. Using dividend-paying whole life insurance as your operating reservoir, you:

“Inflation steals from savers and rewards owners of capital. IBC moves you from the first group to the second.” No prediction required. Just process.

Traditional advice asks, “What return can we get?”
Owners should ask, “How much control can I keep?”

It’s not about beating the market. It’s about beating dependency.

Here’s a simple, repeatable path you can start now:

Gold tells the truth that currency hides. The ounce didn’t change. Purchasing power did.

IBC adds a second truth: preserve value and mobilize it. You’re not parking money. You’re positioning it so you can move quickly without asking permission.

“If Parliament Hill or Capitol Hill policy can move your fortune, you never really owned it.”

“You can’t build freedom on a currency that’s shrinking faster than your income.”

“Banks profit from the money you park. You profit from the money you control.”

You don’t need another prediction. You need a process. Book a discovery call with our team and start building the structured ladder your business deserves. Click Here!

Or, press play now: Spotify!

• Why we recorded this
• First principles
• The five dividend elections (and when they backfire)
  • 1) Paid in Cash
  • 2) Reduce Premium
  • 3) Dividends on Deposit
  • 4) Paid-Up Additions (PUAs) Our default for IBC
  • 5) Enhanced/Blended Option (Term + Auto-Convert)
• A simple, concrete illustration
• Nelson’s lesson (why this changed how many of us think)
• FAQ: fast answers to the questions we get the most
• Best-practice checklist (do this next)
• Want to see numbers for your policy?
• Resources we mentioned
• TL;DR (send this to your future self)

Elections show up everywhere: federal, state, provincial. However, today’s “election” is different. It’s your dividend election inside a participating whole life policy. It sounds boring. Frankly, it’s designed to be. Yet, the dividend choice you make quietly compounds for decades and affects your cash value, your death benefit, and even your taxes.

In short: don’t fix what isn’t broken. Mutual companies have used this system, with smoothing and discipline, for well over a century. As a result, the line on the chart looks… uneventful. And that’s the point.

Think like an owner: when dividends are kept working inside the company, that capital can be redeployed, which may support future dividends for all participating owners including you.

You must choose one. You can usually change later, but changes can trigger consequences. Here’s the short, honest version.

You take the dividend as money out.

Dividends offset your next premium.

Dividends sit in a side account and earn interest.

Dividends buy fully paid-up chunks of permanent insurance.

Dividend first covers a term cost; any remainder converts the term to PUAs.

Imagine a mutual insurer reports $150M in net income. The board declares $75M for dividends and leaves $75M in owners’ equity.

That’s why “boring” wins. It’s disciplined reinvestment.

Nelson Nash (author of Becoming Your Own Banker) had an old State Farm policy. Early on, he elected Reduce Premium, which stunted growth in the most important years. Later, he switched to PUAs and watched the policy multiply over time, even after experimenting again by taking dividends in cash for a few years to prove a point (he literally saved the checks for audiences).

His takeaway was blunt: “If you don’t believe a check, there’s no helping you.”
Our takeaway is gentler: elect PUAs and let time work.

Q: Will PUAs always be the best choice?
A: For building an IBC-style system, yes in almost every case. However, cash needs or unique coverage needs can change the calculus. Even then, consider whether temporary cash convenience is worth the long-term compounding you’ll surrender.

Q: Can I change my election later?
A: Usually. However, switching to cash can trigger tax and, in some companies, can limit future PUA flexibility. Therefore, ask before you file the form.

Q: Do dividends reduce my COI (cost of insurance) when I pick PUAs?
A: Not directly. But PUAs increase policy size; consequently, future dividends are calculated on a larger base, which can overwhelm rising costs over time.

Q: Why does the dividend line look “flat”?
A: Because of smoothing. That’s intentional. Your policy should look reliable, not exciting.

• The System Behind Success (and Why Most Entrepreneurs Miss It)
• From Amazon FBA to AI: The New Frontier of Entrepreneurship
• Mindset Over Mechanics: The Platinum Principle
• Capital, Control, and Cash Flow: The Infinite Banking Connection
• Automation Meets Faith and Family
• Key Takeaways from Neil Twa’s Episode
• Watch the Full Episode

If time, money, energy, or attention is missing, you’re not building a business; you’re just surviving.

That’s how Neil Twa, CEO and Co-Founder of Voltage Holdings, opened his conversation with Richard Canfield on the Wealth on Main Street podcast and right out of the gate, it’s clear this episode isn’t another surface-level business talk. It’s a deep dive into how to build something that runs without you, sells for millions, and still lets you sleep at night.

Neil’s journey started long before AI became the buzzword of every boardroom. After building multiple seven-figure eCommerce brands, raising over $100 million in capital, and helping hundreds of entrepreneurs exit profitably, he’s learned that systems —not hustle —create freedom.

| “We sell information to an AI engine, and the AI engine sells products to people,” Neil says.“Innovation over invention that’s the future of business.”

Neil’s company manages over 12 brands and coaches hundreds of entrepreneurs inside his Business Builders Group, a private, selective community designed to help high-performing professionals transition from earning income to owning income streams.

But here’s the twist: Neil doesn’t just teach people how to sell online. He helps them think like investors from day one.

|“We build businesses with the end in mind,” he says. “From trademarks to LLC structures to tax efficiency, everything is done to position for an eventual exit.”

By using AI-driven analytics, real-time Amazon data, and a process called Green Light, Neil identifies products with proven demand and high ROI. Unlike the “hopium” YouTube gurus pushing $20 gadgets, Voltage targets scalable products with consistent profitability, sometimes delivering annual returns of over 200%.

And yet, Neil doesn’t romanticize it.

|“Friends don’t let friends launch $20 products on Amazon,” he laughs. “You’ll fail, crash, and burn.”

What separates successful founders from burnt-out operators isn’t just money, it’s mindset.

Neil coaches every entrepreneur through what he calls the Platinum Principle, building a business with the end in mind. That means structuring your systems, team, and mindset around scalability from day one.

| “Most people think entrepreneurship is about working harder. It’s not. It’s about working smarter with the right team and focusing your time, energy, attention, and money, in that order.”

He goes further: “If you have limitations on any one of those four things, don’t start a business.”

It’s not a scare tactic; it’s a filter for discipline. Neil teaches that freedom isn’t earned through chaos; it’s designed through process.

When the conversation shifted toward financing growth, Richard and Jayson lit up. Neil revealed that he personally leverages whole life insurance, a cornerstone of the Infinite Banking Concept (IBC), to access capital and fund business expansion.

| “If I pull $100,000 from my policy, my business repays me,” Neil explains. “That’s money working twice, my cash keeps compounding while I put it to work.”

This principle, which controls the banking function in your life, aligns perfectly with Wealth on Main Street’s mission: helping families and business owners keep their money in motion, not in someone else’s vault.

For entrepreneurs, the takeaway is simple:When your business starts generating consistent revenue, your policy becomes your silent investor, a liquid, tax-advantaged reserve that keeps opportunity at your fingertips.

Want to see how this strategy builds family wealth for generations?
Get your free copy of Don’t Spread the Wealth and learn how to keep your money where it belongs: in your family.

Neil’s success story isn’t just about business. It’s about stewardship.

He and his wife homeschool their daughters, teaching them entrepreneurship and financial principles early, from running an eBay side hustle to creating branded AI-powered videos for Voltage clients.

|“We’re raising a generation that doesn’t just earn, they own,” Neil shares.

That spirit of ownership and legacy echoes what Nelson Nash taught in Becoming Your Own Banker: that true wealth isn’t measured by money, but by how much control you have over it and how well you pass that mindset forward.

Episode 295: Building a Business That Prints Freedom | Neil Twa on Wealth, AI & Legacy: Watch it on Spotify

If you’re ready to gain control over your capital, whether it’s to grow your business, invest in new opportunities, or build a legacy your family will thank you for, book a Clarity Call with our team today.

We’ll help you understand precisely how Infinite Banking fits your financial goals, so your money never stops working for you.

What would make someone leave an 11-year career as a financial planner, walk away from spreadsheets and suits, and trade it all for a pair of work boots?

That’s exactly what our guest, T.D. Ford from The Texas Boys did. In this conversation, he proves that stepping out on faith can lead to more abundance, peace, and purpose than most people ever find chasing money.

• The Wake-Up Call: Seeing the System for What It Is
• Losing It All and Finding What Matters
• Faith Over Fear: A Leap to Texas
• Discovering Infinite Banking: The Missing Piece
• Action Cures Fear
• Why This Matters
• A Family That Banks Together
• Final Thoughts: Be the Change
• Resources Mentioned
• Listen & Subscribe

We discovered today’s guest, T.D. from The Texas Boys, through our YouTube community (Real Talk Fridays Series). One thoughtful comment led to a conversation, then to a collaboration.

Check out their channel and The Fearless Podcast for more on faith, family, and financial independence.

T.D. started, like many of us, believing in the system. He worked hard, earned the licenses, climbed the financial planning ladder, and spent his days buried in Monte Carlo simulations and Morningstar data. But then, he started seeing behind the curtain.

He noticed “five-star” mutual funds quietly buying up their own “one-star” failures and burying them inside portfolios. He realized the game was rigged, that the stock market wasn’t about building wealth, but about redistributing it upward.

| “The stock market is just a wealth redistribution mechanism and the intention is not to transfer any of that wealth to you.”

That realization hit hard, and when he saw how impossible it was to trade fairly without institutional access, he knew the deck was stacked against him. So, he walked away.

After leaving finance, T.D. pivoted to a completely different field: construction.

He went from earning $450,000 a year to just $31,000 in his first year. But strangely, he and his family had never been happier.

| “We were incredibly content. We were incredibly happy.”

They had fewer things, but more peace. Fewer zeros on the paycheck, but more meaning in their days.

Years later, T.D. and his family packed everything up and moved from the Northeast to Texas.
– They didn’t know anyone.
– They didn’t have a job lined up.
– They just had faith, three kids, and a vision for a simpler life.

They started small, a farmhouse, a few animals, and a dream. Over time, they built a homestead, grew fruit trees, and developed what T.D. calls a living legacy.

| “We don’t just want to leave a legacy, we want to live our legacy.”

That shift from chasing wealth to creating value changed everything.

Years later, a subscriber sent T.D. a book: Becoming Your Own Banker by Nelson Nash. It hit him like lightning.

Here was a system that fit his beliefs about freedom, responsibility, and family legacy. He didn’t need Wall Street or government programs to build wealth. He needed control of his own capital.

He started his first Infinite Banking policy, then a second. His sons began theirs. Before long, he was using his family’s system to fund his son’s home construction through their own private family bank.

| “Instead of hoarding and handing off wealth after we’re gone, why not live our legacy now while we can enjoy it together?”

That’s what Infinite Banking gave them, not just financial freedom, but the ability to participate in their family’s growth today.

T.D. is clear about one thing: the most challenging part isn’t the math or the mechanics. It’s the fear.

| “Action cures fear. Take action, do it now, and the fear will disappear.”

It’s the fear of doing something different. Of leaving the system you were told to trust. Taking full responsibility for your family’s financial future.

But as T.D. says, the time will pass anyway. The question is whether you’ll spend it worrying or building.

When you hear T.D. talk, you realize this isn’t about money, it’s about mindset. It’s about shifting from being dependent on systems designed to keep you small to creating your own ecosystem of control, stewardship, and abundance.

|“If you know the problem, you’ll know the solution. Infinite Banking is the foundation of a parallel economy.”

He’s right—his story is living proof that it doesn’t take millions to start, just courage, faith, and the willingness to think differently.

Today, the Treleaven family lives out the very principles Nelson Nash wrote about. They own multiple Infinite Banking policies, loan to each other through their family system, and continue to build, not just wealth, but wisdom.

Even T.D.’s ten-year-old son is reading Becoming Your Own Banker.

| “He sat next to me, started reading, and said, ‘Dad, when are you becoming your own banker?’”

That’s what legacy looks like.

You can’t vote away broken systems. You can’t legislate your way to prosperity. But you can take control, right now, by learning the principles of Infinite Banking and putting them into action.

Because, like Nelson Nash said, “The best time to start was 20 years ago. The second-best time is today.”

Catch this full episode with T.D. on the Wealth on Main Street Podcast, hosted by Jayson Lowe and Richard Canfield.
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What if your company could run on peace of mind instead of pressure from the banks? In this episode of Wealth on Main Street, Jayson Lowe and Richard Canfield sit down with Troy Treleaven, a corporate trainer with decades of experience at the Dale Carnegie Organization. Troy shares his inspiring journey from corporate leadership coaching to discovering Nelson Nash’s Infinite Banking Concept (IBC) and how it completely transformed his perspective on money, legacy, and freedom.

Troy’s background in leadership and mindset training helped him immediately recognize the deeper principles of IBC. As he puts it: “You can’t learn how to control capital for the rest of your life in 15 minutes. But when you do, the peace of mind is unlike anything else.”

Troy’s discovery began with a conversation over coffee with his brother, who handed him a copy of Becoming Your Own Banker by Nelson Nash. From there, curiosity took over, and he dove into videos, books, and eventually found Ascendant Financial, Canada’s leader in Infinite Banking education.

After years of running his own Dale Carnegie franchise, Troy came to realize the critical importance of access to capital for entrepreneurs.

“It’s always so hard to get access to money when you need it most and I never realized how much I was giving to the banks until I discovered Infinite Banking.”

By establishing corporate and personal IBC policies, Troy created a system that keeps money flowing within his business and family, not leaking to finance companies and lenders.

Once Troy experienced how IBC worked for his company, he quickly began thinking bigger: How can I set this up for my kids?

With four young adult children, Troy now views Infinite Banking as more than a financial tool; it’s a generational mindset.

“Now it’s about building this warehouse of wealth that our family can all share. It’s bigger than us.”

Through his IBC policies, Troy is creating a lasting family system that aligns perfectly with his leadership background, characterized by clear principles, structured growth, and consistent learning.

Richard and Jayson share stories of their mentor, Nelson Nash, including his unforgettable analogy: “When you plant corn, you’re going to get weeds. If you don’t pull them, they’ll take over your field.”

The concept of “mental weeds” and limiting beliefs about money is closely tied to both Dale Carnegie’s teachings and the Infinite Banking philosophy. Actual growth begins in the mind, and it’s nurtured by discipline and patience.

Just as farmers store their harvest in silos, Nelson taught that families must build a financial storage system, a warehouse of wealth.

Through dividend-paying whole life insurance, business owners can safely store capital, access it when needed, and refill it continually. It’s not about chasing high returns; it’s about creating steady, stress-free growth that you can use again and again.

Troy describes the shift perfectly: “I want my company to be well set up with IBC because of the sense of peace and freedom it gives me.”

From being skeptical to fully confident, Troy’s story reminds us that Infinite Banking isn’t about insurance; it’s about control, clarity, and continuity.

If you want to take the next step in protecting and growing your family’s wealth, start here:

Whether you’re a corporate leader, entrepreneur, or parent, peace of mind comes from knowing your capital is under your control. Like Nelson Nash said: “What a peaceful, stress-free way of life it is when you get the banks out of your life.”

Start your journey to financial freedom today. Watch the full episode with Troy Treleaven on the Wealth on Main Street Podcast. Click here!