Visit our website:

https://www.thewealthwarehousepodcast.com/

Dave and Paul open the vault on how they actually put cash value to work.

Join other Infinite Banking practitioners as they discuss how they look for low risk, repeatable opportunities that fit an IBC plan, and why a simple amortized note can create steady cash flow that helps retire policy loans faster.

Additionally, Dave, Paul and co. walk through using policy loans with intention, keeping repayments flexible, and sequencing a windfall or savings into premiums without losing liquidity.

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Episode beginning and introduction

3:28 - Deal filter: risk, consistency, repayment

6:15 - What the “note” is, terms and break-even

10:57 - Option 1 recap

11:57 - Option 2

13:38 - Second note

15:16 - Third note

17:50 - Option 3

22:59 - Taxes: interest front-loaded on amortization

28:34 - $100k example → ~$2,100/mo; start Policy B

30:28 - Repayment tactics

44:36 - Keep an emergency buffer; $2,500 min to start

58:29 - The math most miss

1:04:40 - Wrap-up + next steps

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website:

https://www.thewealthwarehousepodcast.com/

Dave and Paul go back to basics on human life value (HLV), and why most families are dramatically underinsured.

They contrast needs-based planning with an HLV approach, share Nelson Nash’s page-24 insight from Becoming Your Own Banker, and explain how to reach full coverage using a blend of whole life and convertible term.

You’ll hear simple rules of thumb, real client stories, why death benefits should track your rising “stock,” and the question that reframes everything: “What does my family deserve?”.

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

00:00 - Episode beginning

00:18 - “Porsche vs. Toyota” analogy

01:00 - Show open + Germany check-in

03:32 - Nelson Nash p.24; IBC framing & defining HLV

06:34 - Needs-based planning vs. HLV; most people underinsured

13:48 - Simple HLV math (income × years to ~70)

15:26 - Strategy: whole life + convertible term; adjust after raises

20:48 - Mindset: “What does my family deserve?”; runway reality

25:10 - Back to IBC: solve financing → coverage follows

29:22 - Episode wrap up

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website:

https://www.thewealthwarehousepodcast.com/

Dave and Paul tackle a common stall-out point: starting IBC with one whole life policy and never building the system Nelson Nash intended.

They cover when to add policies (spouse/kids/your increased income), how to plan expansions using convertible term, what to do with windfalls, and why loans and investments should originate from and return to your policy ecosystem.

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Episode beginning

3:31 -  IBC = a system, not one policy

4:26 - Life changes → expand (income/spouse/kids)

6:52 - Case study: don’t cancel; CV > premium

9:00 - Keep mature policies; avoid 1035 “churn”

11:30 - Remember your why: capitalize & control

12:31 - 20 years + a system; “accommodate all income”

13:36 - How to expand (small adds, spouse/kids)

15:03 - Kids’ policies & compounding

16:25 - Future-proof with convertible term & HLV

19:12 -  Windfalls → premium/loans/new premium

20:55 - Policies as your emergency fund (liquidity)

22:14 - Beneficiaries beat probate — update yearly

25:03 -  Investments start & return to your system

28:22 -  IBC is ongoing; control your capital

29:55 -  Episode wrap-up

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website:

https://www.thewealthwarehousepodcast.com/

New policy in force, now what?

Dave and Paul walk through the first moves after your IBC policy goes active. From “slow your roll” capitalizing, to trading out high-interest debt, to building an emergency reserve inside your system, they map a practical sequence so you don’t chase loans just to “do something.”

They also cover spotting real opportunities (and avoiding FOMO), expanding your system with additional policies, redirecting cash flow, and a quick primer on smarter ways to think about 529 plans.

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:



0:00 – Teaser

1:16 – Delayed start & plumbing mishap

4:08 – One policy to start; why “now what?” is normal

5:32 – “Slow your roll”: capitalizing and building liquidity

6:21 – Loans don’t add value by themselves

7:06 – Trade out high-interest debt; snowball/“velocity banking”

7:51 – Trend: eagerness to borrow vs. proper capitalization

10:30 – Which debt first? Amortization vs. smallest balance

11:59 – Freeing monthly cash flow with the snowball

12:54 – Look for opportunities without rushing; be choosy

17:25 – Cautionary tales: real estate pitches & protecting capital

18:22 – More policies over time: expanding the system 

22:05 – The 95/5 rule: focus on earning more, not just cutting

25:45 – Kids’ policies: small premiums, long runway

26:41 – Premiums vs income, lifestyle creep, staying responsible

28:48 – Recap: capitalize → redirect → seek opportunities → expand

29:30 – 529s: usage today vs. assumptions about tomorrow

32:20 – CTA: email, reviews, and sharing

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website:

https://www.thewealthwarehousepodcast.com/

Fresh off the annual South Dakota pheasant trip, Dave and Paul unpack how time in the field mirrors smart money habits.

From planning that survives “first contact,” to keeping dry powder ready so you can seize opportunities, to teaching kids stewardship and building legacy, this episode ties hunting camp lessons directly to the Infinite Banking Concept (IBC).

Expect talk on independence, autonomy, privacy, patience & timing, and why liquidity you control beats balances that just “look good on paper.”

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Teaser & open

2:17 - The crew: annual trip, fellowship, and why like-minded matters

3:38 - How the hunt parallels IBC

4:52 - Healthy disagreements (Bitcoin, moon landing) + shared values

6:22 - The common thread

7:00 - Independence, autonomy, privacy & healthy skepticism

8:39 - Legacy and making memories with your kids

9:31 - Planning meets reality

12:00 - Translating hiccups to IBC

13:16 - Patience & timing

14:23 - Loaded shotgun vs. locked-up 401(k) liquidity

15:53 - Fancy gear vs. dry powder

16:34 - Getting better each year = older policies perform better

17:24 - Stewardship and teaching the next generation

18:02 - Accessing capital without interrupting growth

22:02 - Save 30% rule: habits that build wealth

22:32 - Seeking independence from commercial banking

23:50 - Why IBC contributors may fuel less inflation

24:57 - Hunters’ autonomy as a money mindset

28:27 - Episode wrap-up

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website:

https://www.thewealthwarehousepodcast.com/

This week, Dave and Paul unpack a common client question: “What should I do with a windfall?”

Drawing from a recent mastermind with fellow IBC practitioners, they compare strategies for deploying a large lump sum while keeping smart liquidity: one-time PUA lump sums, using a Premium Deposit Fund (PDF Max) to prepay years of premiums, and sequencing dollars so outside cash flows (like note income) auto-fund new policies.

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:



0:00 - Teaser & open

1:18 - Episode beginning, remembering Charlie Kirk

6:59 - Design ideas and real numbers

12:11 - Scheduling premiums

13:36 - Mastermind case: $700k home-sale windfall

14:38 - Option 1: Large PUA lump sum

18:05 - Option 2: PDF Max

23:04 - Option 3: Sequence the dollars

25:43 - Policy age = more flexibility; job-loss scenarios without surrendering

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

 https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website:

https://www.thewealthwarehousepodcast.com/

This week, Dave and Paul bust a big myth about whole life: that premiums are rigid forever.

They break down base (required) vs. PUA, Paid-Up Additions (flexible), why both buy death benefit, and how to use a floor-and-ceiling model to fund smart in tight months or boom years.

You’ll hear how dividends typically route to PUA, how to check extra LPUA room without triggering MEC, why loans don’t “increase” growth, and how convertible term preserves future capacity as your income rises.

Becoming Your Own Banker by Nelson Nash:

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Teaser & open

3:06 - Premium flexibility myth

6:19 - Base vs. PUA

9:40 - Cash value = ownership

10:59 - Dividends → PUA

15:10 - Floor & ceiling funding

16:37 - Year-two: pay base, drip PUA

20:00 - Extra PUA + MEC check

23:50 - Convertible term runway

30:38 - Sign-off

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website:

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website:

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website: 

https://www.thewealthwarehousepodcast.com/

This week, Dave and Paul riff on a simple mantra with big financial consequences:

“Do something today your future self will thank you for.” From the coffee-you-prepped-last-night to where you actually park your dollars, they lay out why liquidity and control beat being “paper wealthy.”

They also cover compounding taxes, redirecting existing cash flow through premium (“put the premium in the middle”), and the reality that whole life’s temporary loss of liquidity is measured in years, not decades like qualified plans.

Becoming Your Own Banker by Nelson Nash: 

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Teaser & show open

1:04 - Episode beginning

2:24 - Doing everything “right,” yet would-be liquidity is locked up

5:07 - The red/green liquidity audit & net worth vs. spendable money

6:31 - Life goals blocked by illiquidity

7:35 - When banks set the terms, opportunities shrink

8:31 - Policy loans = privatized lending

9:23 - Priorities: kill 20% credit-card debt before chasing 6% returns

10:22 - Rethinking mainstream money myths

15:42 - Start your banking system: short-term liquidity tradeoff, “compound taxes”

26:37 - Whole life vs. qualified plans, income streams

29:30 - Episode wrap-up

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website: 

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website: 

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website: 

https://www.thewealthwarehousepodcast.com/

Welcome back to another episode of Wealth Warehouse!

Welcome back to another addition of Wealth Warehouse – in this week’s special episode, you get yet another sneak peek into the IBC webinar that Dave and Paul run each and every month.

In this month’s webinar, Dave dives into policy design and what it looks like to actually run your policy in year 1, year 2 and beyond. What will it look like?

Additionally, from the other webinar members, Dave and Paul field questions on policies and divorces, what a “big expense” counts as and much more!

Becoming Your Own Banker by Nelson Nash: 

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Teaser

1:51 - Episode beginning

3:15 - Capturing big annual expenses

7:37 - Diving into policy design

13:13 - Year 1 of your policy

15:55 - End of Year 1

16:57 - Year 2

19:05 - Year 3

25:45 - Other expenses

32:05 - “What about loan interest?”

34:25 - Looking at everyday purchases/expenses

43:18 - Policies and divorces

48:29 - Starting a policy for debt consolidation

50:59 - Best way to introduce IBC to your friends/family

56:43 - What financial advisors tell you about 401k

1:00:54 - Episode wrap-up

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website: 

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website: 

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]

Visit our website: 

https://www.thewealthwarehousepodcast.com/

Welcome back to another episode of Wealth Warehouse!

In this week’s episode, Dave and Paul take a look at the central theme of the poem, “The Road Not Taken”, by Robert Frost – and why it’s the perfect analog for IBC and controlling the banking function in your life.

Additionally, the guys explore what control actually gets you, how you’re able to not only “see” new opportunities, but also take part in them – to build your wealth and your family’s for generations to come – and as Dave will explain: why you need to care about more money (and not just for yourself)

Becoming Your Own Banker by Nelson Nash: 

https://infinitebanking.org/product/becoming-your-own-banker/ref/46/

Episode Highlights:

0:00 - Introduction

1:16 - Episode beginning

3:41 - “The Road Not Taken”

10:49 - The unseen, and how “they” make it easy

17:22 - What’s the road ‘not taken’ look like?

25:24 - Controlling your own capital

30:53 - Building your wealth (for others)

34:44 - Closing thoughts

ABOUT YOUR HOSTS:

David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.

David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.

Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.

As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.

Visit our website: 

https://www.thewealthwarehousepodcast.com/

Catch up with David and Paul, visit the links below!

Website: 

https://infinitebanking.org/agents/Fugere494

https://infinitebanking.org/agents/Befort399

LinkedIn:

https://www.linkedin.com/in/david-a-befort-jr-09663972/

https://www.linkedin.com/in/paul-fugere-762021b0/

Email:

[email protected]