In this episode, we take a close look at Dave Ramsey's advice on finance. We discuss who it's good for, who it's not good for, some things that he says that is great advice, and other things that some would say would be poor advice.
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A lot of us know who Dave Ramsey is. He is on 500 radio stations across the US.
Some of what Ramsey shares is good and some we would call poor advice. So you need to start asking yourself this question, "Does this make sense?"
The best thing is that he helps people that do not know how to control their spending or to live within their means. And he does teach a disciplined approach to actually budget and live within your means. His advice and strategies are great if you're struggling to get a system in place that gives you the ability to start saving.
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In this episode, we will discuss how to leave a better legacy. And we'll share some practical tips you can implement that will help you leave a large and generational legacy for your family.
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Leaving a better legacy is a topic that's dear to our hearts because we deal mainly with the world of life insurance. In episode 29, we're going to talk about some practical steps, as well as some philosophical ones, I guess you could
Today, we're going to talk about some concrete steps. And we'll share some fundamental philosophies, so you can leave a better legacy that will last.
There are two mentalities we scrimp and we save so that we don't really live life at all. And we pass that mentality down to our kids.
Biblically, it says in Proverbs that a good man, a righteous man, leaves an inheritance for his children's children.
We ought to try to leave as much good with [our kids] along with the money [...] instead of having this scarcity mindset.
With an [...] abundance mindset [...] if you start thinking about it that way, it will come to pass.
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In this episode, we'll discuss how you could easily make over $100,000 throughout your working lifetime by just changing where you hold your emergency money of all things.
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Emergency funds are crucial to buttressing and protecting our financial life from unexpected catastrophes. But they're not always given the attention they should receive. And, when people do have them in place, they tend to actually lose money unknowingly.
We run into this a lot, where we're teaching people how to use a policy to be their own banker and make a lot more money. But for some reason, there's a mental block, which keeps them from seeing their policy as a bank. They still see a bank account as a bank and a policy as something different. Nothing makes that clearer than when people talk to us about their emergency fund and how they would never want to move that into a policy or something like that.
Today we're going to talk about emergency funds. How to use your policy as your emergency fund, how much more money you could be making with that, and really how a policy has all the characteristics that you would look for in a really great emergency fund.
Even in the Depression, when thousands of banks went under, most insurance companies didn't go under.
In this episode, we will discuss how to end debt. You see, there is a difference between paying off your debt and recapturing your debt. And we'll explain how this works so you can finally get off the debt hamster wheel.
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There are some staggering statistics on the level of debt Americans are carrying. It's truly frightening.
But it's vitally important that you change your mindset from merely, I want to get out of debt. This should change to wanting to recapture your debt.
Getting out of debt is a topic speak with clients about every day, and that's the problem with debt. And whenever you adhere to the concept of becoming your own banker, you start to see ways of making a lot of money by recapturing your debt.
The problem is that a lot of people know what we mean by recapturing debt. And there's one more step that needs to take place we share in this episode.
In 2017, we are in a greater financial crisis than we were in 2008 ... because we're carrying even more debt in the US.
Household US debt currently in the first quarter of 2017 was $12.87 trillion, and that is all of us living on debt.
We've got to learn to recapture debt, especially if we're going to bring down the debt in the US.
In this episode, we discuss a question that we've both been asked many times when it comes to banks vs. insurance. The question is, are mutual life insurance companies as safe as banks to put my money? The answer may surprise you.
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Banks vs. insurance, which is safer is something that we've been asked many times. It's a great question to ask, in fact. People are wanting to know their money won't disappear on them.
And so, the common question we get related to infinite banking is this: "Is my money going to be as safe in the policy as it is, just sitting in a bank account. There's a lot of nuances there.
We believe that it definitely is. There's a lot of reasons for it. Why would we present banks being riskier to put your money in, than a mutual life insurance company, and a policy there?
Insurance companies actually adhere to what's called Austrian Economics. They can't loan out money they don't have.
Banks failed left and right, and are bailed out. No mutual life insurance company had to get any assistance.
In this episode, we'll discuss the reasons why you shouldn't be so excited about your tax refund, and maybe what you should do instead.
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This episode is going to be a fun one. We hear all the time, even in our realm of business, "Maybe I'll get started when I get my tax refund." Or, "I'm looking forward to getting my tax refund, then I'll finally have money."
We have a different viewpoint on it. And we want to make sure everyone else understands, not only about the tax refund, but we also have some other things to say that you may want to implement.
When you think about a tax refund, it's your money you already gave the government to use for a period, or they had it. Whether it be an estimated tax, or by the time you file the taxes, you get the refund.
But, in reality, it was your money that you gave to the government to use, and then they just sent that money back to you. And they didn't send it back to you with interest payments. It's not the same dollars you sent them. It's different dollars, and yet we get excited because, "Yay, we get a refund."
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I will say the IRS is the biggest robber of our wealth out there today.
Why do I want to give the IRS good dollars today for them to give me weaker dollars in the future?
Instead of giving that estimated tax over to the IRS, we've put it into a life insurance policy because the growth will pay any penalty.
In this episode, we sit down with a special guest, Ray Poteet -- the founder of Living Wealth. We discuss the biggest investment pitfalls to be aware of and how you can learn from his mistakes, so you won't have to suffer as he did.
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How to spot investment pitfalls is harder than experiencing them. And the road to growing your financial freedom is littered with landmines. Some are similar, but most tend to be unique and hard to spot the first time around. Sometimes we even repeat mistakes if they're not pointed out to us by a trusted guide.
They're not hard to spot. You just have to know what you're looking for. And, Ray shares the worst of them in this episode.
Get resources and transcripts here:
Is paying cash the best option? In this episode, we will discuss how you can learn how to maximize your dollars by changing how you purchase the things you need in life.
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In today's world of finance, the Holy Grail is to get out of debt and to be able to pay cash for everything. That's what we're taught by all the major financial gurus, pay cash, pay cash. Get out of debt, get out of debt.
We're not saying that's a bad idea. But we can offer some insight into how you can improve your situation even further. That's going to be the goal for today.
So is only using cash the best option?
The answer: it depends.
In fact, we think there are some better ways to do it.
Get Out of Debt and Paying Cash Topics Discussed:
* How can we find something else that's better than paying cash
* What are some of the pitfalls with paying cash
* Being asset rich vs. cash Poor
* Is using cash necessarily bad
* Good debt vs. bad debt
* How to leverage debt in a financially healthy way
* Why it's important to keep money in motion
* The real cost every time you pay in cash
Cash vs. Debt Episode Takeaways:
* Every time you pay cash your money stops earning for you.
* Really, we want to keep your money in motion.
* There is a difference between bad debt and good debt.
* A pitfall with paying cash are your asset rich, cash poor.
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In this episode, we discuss the biggest pension myths, and how you can make the best decision for you and your family.
To start, one of the most significant points to focus on in your pension is who to insure. People often ask the questions, "Do you just insure the individual who qualifies for the pension plan? Or if you're married, do you also include your spouse? And what are the pros or cons to including a spouse in regards to the pension plan?"
You go, you work your whole life, you retire, and then they give you an option. It's to choose to get the monthly income just on you, or for you and your spouse. Of course, we're all concerned about the well-being of our spouses. When you first see the number, you say, "Here's the monthly amount of money I can receive from a pension with just me. And if I add my spouse, wow, that's a massive reduction." So it causes people some stress when they see the monthly reduction of money per month if they add their spouse to it.
And there's so much more. Which, we'll cover in this episode to help you maximize your pension.
Pension Myths and Maximization Topics Discussed:
* Who to insure in your pension plan
* Ensuring your spouse is provided for
* Leveraging a dividend paying whole life insurance policy correctly
* Where social security fits in, or doesn't
* Can you count on your pension to be there when you retire
* How to maximize your pension
Pension Mythis Episode Takeaways:
* If I die, the day after, she's set because I've been building life insurance banking policies to create wealth
* If you only put money in a pension, you can't leave a legacy of wealth for your family.
* So more and more, it's becoming a reality that pension programs are going out of existence.
* Social security too is that it's constantly changing and who knows how long honestly, it's going to be around for.
* With the city of Detroit going bankrupt. All the people who had pensions, guess what? They're gone.
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In this episode, we'll pick up where we left off in episode 19. We'll share how to build the perfect life insurance policy to use for becoming your own banker.
The primary goal of this episode is to discuss why we do what we do. What it focuses on the life insurance policy is when doing banking. And, in the last episode, we shared all the reasons why you're not supposed to use other types of policies and other methods to design policies.
So if you haven't listened to episode 19, we suggest you listen to it first because we went through a few important foundational points. And you may want to know that we're going to compare.
When it comes to building your own banking system, the focus is not on benefit. Instead, we're cash focused. So the goal is to actually put as much of your premium dollars into a paid up additions writer as you can. Which will stuff the policy go straight into the cash value. And in this episode, we explain how this is all done.
~ The Perfect Life Insurance Policy:
* The correct policy for use in Infinite Banking
* What is a paid up additions writer and how is it used
* What is a mutual company
* Traditional Life Insurance vs. Infinite Banking
* Being cash focused vs. benefit focused
* Understanding guaranteed interest rate vs. guaranteed cash value
~ Get resources and transcripts from this episode by visiting:
Episode Takeaways:
* When buying a single premium writer, you're buying it strictly to have cash, and it buys you a little bit of guaranteed death benefit.
* Without a paid up additions writer, the policy is going to underperform, and it won't be a banking policy.
* Life insurance it's called life insurance. It's not called death insurance. It should be life giving, to an extent.
* With banking, we're not benefit focused. You're cash focused.
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Not all life insurance is created equal. In this episode, we discuss the biggest problems found in certain life insurance policies. And we'll cover why you would never want to use them in your banking system.
Now, for those of our listeners who have been with us for a while, they know that we're big fans of a particular concept. It's called the “becoming your own banker” idea. It uses life insurance as a tool to practice banking in a brand new way.
But the problem is that there are so many different kinds of policies out there. We have people come to us who have these policies, and they want to know if they're any good.
So we describe to you a few of the policies to avoid, especially if you're doing this banking concept.
Life Insurance Policies to Avoid Discussed:
* Indexed policies
* Universal variable policies
* Term insurance
* Hidden servicing fees and cost increases
* Funny business with numbers
* The fine print costing you control
* What your agent needs to clearly explain to you
Get resources and transcripts from this episode by visiting:
Episode Takeaways:
* That's the issue with universal life is it may turn out okay, but that's not really up to you.
* The insurance company has the control of the policy to determine what they're going to cap you at, so they can always drop the cap.
* Banks don't buy these policies and there's a reason why, because they can't control what happens to that policy due to the guarantees and all the things that are given control over to the insurance company.
In this episode, we will discuss the three biggest wealth destroyers and also give you ideas of how to break free from their clutches.
So much money is leaking from three areas that we're going to discuss. If people knew what was going on with their money that they're earning and saving, they'd be mortified.
Bottom line: Taxes are the largest destroyers of wealth. But there is also a slew of other rats eating at your money. And sadly, most people don't even pay attention to them or know they exist.
So we'll bring things to light and share with you how to protect yourself today.
Wealth Destroyers Identified and Topics Discussed:
* The taxes secretly robbing you blind
* The 1.8 Million Dollar opportunity cost
* Hidden impact of taxes on retirement programs
* The sneaky money thief: inflation
* How inflation becomes a compounding problem
* Fractional Reserve Banking's effect on inflation
* Credit Cards
* Hidden fees in retirement programs
* Hidden fees in mutual funds
~ Get resources and transcripts from this episode by visiting:
https://livingwealth.com/e18
Episode Takeaways:
* 3+3+3 always equals 9. But when you put money into the game math doesn't work thanks to inflation.
* We're taught to believe today's dollars are the same as tomorrow's dollars. They're not!
* The biggest hidden fees are in mutual funds and retirement programs that go to the money managers.
* Taxes, inflation, and fees rob people of enormous amounts of wealth. And they don't usually know it.
In this episode, we will discuss why you need to become your own banker, even if you have no debt.
Get resources and transcripts from this episode by visiting:
We're often asked, "What if I don't have any debt?" Or "How does Infinite Banking work once I'm out of debt?"
You see, a lot of people have been taught to take loans, and they pay off their loans. And people who follow this line of thinking don't have any debt.
But what those people don't understand is that banks make just as much money off your deposits as they do on your loans. So, the reality is you might not have any debt, be making any mortgage payments, loan payments, or even credit card payments, but you are still depositing money into a banking system.
In other words, the bank doesn't care if you deposit money with them or if you borrow money from them. They just want your money!
The reason why you need to become your own banker is it's not just about paying off debt; it's about getting the bank completely out of your money. They are the ones who are conning us into believing that they're a good place to make money when in reality, they're the ones making a killing off of you no matter what chair you're sitting in.
So join us as we deep dive on why you need to become your own banker.
Become Your Own Banker Topics Discussed:
* Common questions about becoming your own banker
* How banks make money both ways
* The tax implications of storing your money in a bank
* The opportunity cost of not becoming your own banker
* Who put your cash to work for you in unconventional ways
* Building personal systems for wealth growth like a bank
* Getting out of debt
* Recapturing the interest you've previously paid everyone else
Episode Takeaways:
* Banks don't care if you deposit money with them or if you borrow money from them. They just want your money.
* The dollar that we made in the bank savings account, we pay taxes on.
* Banks make just as much money off of your deposits as they do on your loans. It may be time to be your own banker.
In this episode, we will discuss how to teach kids about money and the biggest mistake parents make. You see, there are three big mistakes parents make when teaching kids about money, and what you can do instead to help them have a healthy relationship with money.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
Get resources and transcripts from this episode by visiting:
https://livingwealth.com/e16
How to teach kids about money is an underserved topic. It's also a very interesting topic because each person has their goals to teach with their kids. But there are a few common mistakes that people can make when teaching kids about money. These are points nearly everybody can probably agree with, to a certain extent.
And in this episode, we also discuss the topic from two different perspectives: Parents of young children just starting to approach the subject and parents of more mature children needing to further the discussion.
So join us as we dispell mythise and bring some sunshine to your outlook.
Teaching Kids about Money Topics Discussed:
* The importance and impact of practicing what you preach
* Teaching kids about saving vs. spending
* The credit card talk
* Helping kids not make our mistakes
* The importance of busting the magical money tree myth
* The dangers of never formally discussing money with kids
* Instant gratification and interest vs. saving for
Episode Takeaways:
* If you never discuss money with kids, as you're saying, it can just seem kind of magical to kids.
In this episode, we will discuss the biggest myths about paying for your children’s college tuition. And we'll share with you how you can survive your children's college years without destroying your retirement.
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This is an exciting topic. The cost of college tuition spiraling out of control can cause a lot of stress on parents. They think it’s up to them to be able to afford for their kid's college tuition.
But it's not all financial doom and gloom. There may even be a way to make paying for college tuition painless.
A lot of parents believe several major myths about being able to afford college tuition for their children. And these parents are planning on paying for college tuition without realizing that some of these myths aren’t true. You see, the way colleges and universities determine financial aid and grants is very different from what most of us are taught to believe.
So join us as we dispell mythise and bring some sunshine to your outlook.
College Tuition Topics Discussed:
* The mounting task of paying for college tuition
* Dispelling the "I make too much money" myth
* What factors college financial aid actually look at to determine eligibility
* FAFSA (Free Application for Federal Student Aid) and what Expected Family Contribution is
* How inherited capital and assets impact your child's chances of getting college financial aid and grants
* How your 401K and IRA contributions can impact your kid's ability to get college financial aid
* The limitations of 529 plans
* How 529 plans can hurt you
Episode Takeaways:
* Even people who don't make a ton of money believe they can't receive any aid for college tuition. Not true.
* The biggest thing that will prohibit you from getting any financial aid is if your kids have assets -- including 529 plans.
* Approximately 5 to 6% of the family’s assets are included in the Expected Family Contribution calculation
* The family income—the perceived factor people stress about the most —is what colleges weigh the lease
In this episode, we will discuss how banks, the most profitable business in the word, have a monopoly on your money. And we'll share how you can break free from their scheme.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
~ Get resources and transcripts from this episode by visiting:
We can talk about this thing for hours. But in this episode, we're going to nail down how banks work in under a one-half hour. In the course of explaining how banks work, we'll also discuss the inherent problems they create. And we'll shed light on infinite banking: becoming your own banker.
~ Banking Topics Discussed: ~
* How banks make money off of you
* Why banks keep only a small amount of physical cash on hand
* Why banks love credit cards so much
* How to use Infinite Banking in place of a traditional bank
* Paying yourself interest instead of a bank
* Why we say "banks have a monopoly on your money"
* Where the FDIC comes in
* Are banks running a legal Ponzi Scheme
Episode Takeaways:
* Banks make money off of you by simply allowing you to deposit your hard-earned money into their bank.
* Every deposit that someone makes at a bank is really like a little loan to the bank.
* We're all lending money to the bank, and the bank puts it to work for themselves while charging you.
* The most expensive money a bank has is the money that has to sit in their teller’s drawer because it's not working for them.
* We’re paying the bank to use our own money.
* That’s the Ponzi Scheme that the banks run with our money right now.
In this episode, we will discuss how you can discern whether or not something is really too good to be true so that you don't get swindled by the next fly by night salesman.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
Get resources and transcripts from this episode by visiting:
We're in the type of financial business where we're privy to hear people say, "Wow! This sounds so good it might be too good to be true."
And I know you've heard it many times talking with clients. But why do people say that? What do people really mean when we say the phrase, "It's too good to be true?" What's going through somebody's head when they say that?
We give you the tools to determine what is and isn't "too good to be true" in this episode.
~ College Tuition Topics Discussed:
* The most common financial strategies that people get burned by
* Get-rich-quick-schemes to stay away from
* Is the Infinite Banking Concept to good to be true
* Why banks are the biggest buyers of Whole Life Insurance policies
* The financial strategy even Walt Disney used to start Disneyland
* The financial strategy used to get JC Penneys off the ground and again to survive the great depression
* How you can get a guaranteed rate and tax-free growth on your money
In this episode, we'll discuss the implications of taxes on retirement. We'll address the biggest question that most people don't ask, but should be aware of, when putting money away for retirement.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
~ Get resources and transcripts from this episode by visiting:
We've got a pretty exciting episode for you; it will focus on taxes on retirement. You see, there are various ways that people can be taxed while building wealth and when they retire. So we share some questions to ask yourself to determine which route is right for you.
There are different ways taxation can impact your retirement plans. What we'll do in this episode is bring to light some things that must be considered and how different strategies can impact taxes on your retirement in the future.
~ Retirement Taxes Discussed: ~
* Retirement wealth vehicles and options
* IRAs
* 401Ks
* 403B's
* Whole Life Insurance
* Stock Market Investments
* Pension Plans
* Real Estate
* How your lifestyle may have to be reduced in retirement because of unexpected taxes
* The myth of being placed in a lower tax bracket upon retirement
* The reality of how much you'll need to live on in retirement
* The deductions you'll keep and lose
* The future of Social Security
* The affect of income on Social Security taxation
* The affect of income on Medicare premiums
Episode Takeaways:
* The last time taxes were decreased was when Reagan was president. So chances are you're gonna be in a higher tax bracket when you retire.
* Tax laws that are in effect today can change at any point, and so you might believe it's not gonna be taxed in the future.
* You could be living off hundreds of thousands of dollars a year inside of a policy and nobody would know.
Is fear impacting your wealth? In this episode of Dollars and Nonsense, Holly and Nate dig up the root of your financial worries and set out a plan to eliminate it. If you desire to provide a family legacy for future generations but aren’t eager to reduce your lifestyle, listen in and learn how to build your wealth differently. Escape the doubt and fear by taking charge of your money and thinking outside the box.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
~ Get resources and transcripts from this episode by visiting:
~ Episode Takeaways:
* We’ve been programmed to let a lot of fear and worry control our lives and give control of our money over to banks and the government.
* If you would learn to kick the bankers out of your life . . . you would be able to make so much money on your money.
* If we would actually pay ourselves first, we would save first. [Be] a saver first and then the spender.
* Changing a loan from somebody else’s bank back to you [turns] a liability into an asset, which is how the wealthy build their wealth.
* The focus that the world has put us into is work hard and buy some assets and hope that those assets generate you a rate of return.
* Build wealth that doesn’t force you to reduce your lifestyle to be able to afford the things you want to do in the future.
* Creating loans to recapture your debt [will] create assets and a better lifestyle for you and leave a lasting legacy for your family.
Health care expenses are rising for most American families, and the costs don’t seem to be settling anytime soon. In this episode of Dollars and Nonsense, Nate and Holly explain the lesser known alternative options in health care that can save your family’s wealth and give you ease of mind, all while growing your money along the way. When you get all the facts and think outside the box, there’s no need to be scared of healthcare.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
~ Get resources and transcripts from this episode by visiting:
Episode Takeaways:
* See how universal healthcare affects your family
* Learn why you should rethink premiums
* Discover health care sharing ministries
What does a football coach and the University of Michigan have to do with building your wealth? In this episode, Nate and Holly unpack a recent contract negotiation that teaches us the multiple benefits of life insurance. Listen in as the hosts discuss how a life insurance policy has been used to help some of the most influential businesspersons and how it can help you in the same way.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
~ Get resources and transcripts from this episode by visiting:
Episode Takeaways:
* Why the wealthy buy so much life insurance
* How the middle class can use a policy like the rich
* How life insurance can be more than just a death benefit, and
* How to step up your charitable giving without falling behind.
In this episode, Nate and Holly share the three key steps to breaking free from burdensome debt and never returning to it. Learn how to get serious about the bills crippling your wealth goals and how to change your financial outlook moving forward. Don’t let your debt control you any longer.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
~ Get resources and transcripts from this episode by visiting:
Plus, Nate and Holly offer more tips on how you can:
~ Episode Takeaways:
Get serious about getting out of debt. Make it a desire instead of trying to live off a whim. Actually get a plan.
Banks are the biggest buyers of whole life insurance in the world. Would they buy a product that didn’t produce money for them?
Some don’t live with a plan. If there’s no plan to have money, there never seems to be any money.
Be the architect of your life. The easiest way to do that is to get rid of all those hands in your pocket from the banks.
Start saving money in a policy. Use the policy to take over the debt and start paying yourself exactly what you were paying everyone else.
You can get out of debt much quicker than you thought you could just by simply changing your process and getting serious about it.
Your dollar is just as valuable as any dollar you had borrowed. So you need to charge yourself interest.
In this episode, Nate and Holly offer the keys to escaping financial bondage. As many Americans become slaves to debt, our hosts reveal how you can separate yourself from the herd’s mentality by paying yourself first and having your money work for you.
~ Access our FREE Infinite Banking Beginner course here:
https://livingwealth.com/beatinflation
For more resources, visit livingwealth.com/e7
Listen in as Nate and Holly also touch on:
* The benefits of living on less than you make
* How financial freedom can lead to financial success
* Budgeting around your savings
* Why you should direct deposit to yourself