Episodes

In this episode, we ask: Who is clocking back in? What did the study say? What did the recent AARP study with NORC at the University of Chicago reveal? Is this about “those people”? How many people are reaching retirement every single day? What choices are you making? What will your retirement look like? What is the structure of the problem? What are the failures? Did the cost of being alive just go up? Are the vehicles storing your money liquid and accessible? What is the average 40...

In this episode, we ask: What gets repeated so often that it starts sounding like settled truths? What is there to fear? What is “flexible” early on that leaves you more exposed later on? What is Zombie Myth #1? What is the return? Why so slow? What about a policy from 1963? Can you do better? Did you account for taxes and fees? What is the equivalent “return”? What about the liquidity? What is Zombie Myth #2? What about growth mutual funds? What about term insurance? What’s the d...

In this episode, we ask: What was the comment that caught my attention? What is public information? What is the real difference? How does behavior factor in? What is the mindset? What is the mood of the overall malaise? What sounds more like an explanation? What is easier than doing your homework? What does that slogan do? Is the tax code special? How about a case study? What about a 162A bonus contract? What are the statistics for the top 1% club? What is the state of American hou...

In this episode, we ask: What happens with speed? What happens with sequence? Who is pricing this in? Would you like to hear the results of some recent studies? What happened in May of this year? What is happening with inflation? What is happening with the federal debt? Are stocks the answer? Are bonds the answer? What do two-thirds of Americans fear? What is the magic number for retirement Who is going to outlive their savings? What will you do when you’re 82? Would you like to he...

In this episode, we ask: What is Phil’s history in financial services? What’s happening with Lake Growth Financial Services? How is Phil enjoying the Bank On Yourself® strategies? Inside the credit union, how did the member-owned structure show up? How does the publicly-traded bank ownership show up? What about stock-owned life insurance companies? What about mutually-owned life insurance companies? What concrete behaviors show up each quarter? What did banks pull back from in 2020? Wh...

In this episode, we ask: How many questions do you have? Am I making a money mistake? What were Evan’s first questions? What happens if the dollar fails? What is the contract? What about inconsistent and fluctuating income? What sort of flexibility is there when there is a delay in a windfall? Is this a subscription? Are you forced to make a payment every month? What is a regular savings strategy? How do you plow more money into your assets? What is optional? What happens in tough t...

In this episode, we ask: Would you like to listen in on two Certified Financial Planners®? What is the difference between kind and nice? Did you love Mary Poppins? What kind of feedback would you like for improvement? What is best for the person I’m talking with? What can help the person in the long run? What about speaking truth with love? What did Amanda’s attorney say? How does this apply to financial advisors? What about Profit First? Would you like to hear the ninja belt series? ...

In this episode, we ask: Who is in the silver tsunami? What do we do with the bills, accounts, passwords, life insurance policies, heirlooms, etc.? Who is Adam Zuckerman? What is Buried in Work? Have you read No Loose Ends? What about Adam’s new digital platform, Heirloom and Tell? How do you start the conversation before it’s too late? …and more! Adam Zuckerman (JD/MBA) is the founder of Buried in Work, a leading resource that helps individuals, families, and businesses simplify estate...

In this episode, we ask: Does buying stuff feel like a rigged game? What about leverage? What changes the game entirely? Have you heard the previous three episodes? What does TGIF stand for? Why is your need for financing greater than any other financial need? What are you handling? Are you in the driver’s seat? How do you buy everything? What about opportunity cost? Do you pay cash? Do you pay interest to a third party? Who benefits from the compound interest? Are these line items...

In this episode, we ask: Can you picture it? What about term life insurance? What about a 401(k)? Who fears running out of money? Is it too morbid? Is it impolite? What happens when the term ends on term life insurance? What about rising internal costs? What doesn’t pay a death benefit at all? What about real estate? What about property fights? What is the result? What will happen in the end? Are you protecting the people that matter the most? What has happened with the “buy term,...

In this episode, we ask: Have you noticed something? Do you know what won’t disappear? Will the rules quietly change mid-game? What about the guarantees? Where are the guarantees in the financial universe? What about the stock market? What about guaranteed fees? Who gets the guarantee? What about the government’s guaranteed cut? What about conservative allocations? What about property taxes and insurance costs? Is real estate property guaranteed? What about temporary or partial guar...

In this episode, we ask: What about stability and sanity? What about an insane question? Is there someone at the I.R.S. that you’re particularly in love with? Who is the largest beneficiary on your IRA upon death? Are you going to leave your IRA this way, now that you know the truth? How about an example? How do you get tax free access? What about a tax free legacy? How does this directly solve the problems? When will you pay taxes? How about an example of two retired brothers? What ...

In this episode, we ask: What is the 1% net rule? Would you like to listen to Episode 316? Why does layering on Bank on Yourself® strategies to real estate make a whole lot of sense? What is Kirby’s story? What is over looked in the short term rental space? What is counterintuitive? Where can one buy properties for a fraction of the cost of what you can buy in the city centers? What can one charge for short-term rental income? Why does Kirby help other investors? What is the purpose of...

In this episode, we ask: Have you heard Episode 462? Who is Phil Smith? What is a super awesome privilege? Why was Mark cautious? What helped Phil? How did Phil find the right balance with his Bank On Yourself® type whole life insurance policies? What is so cool about having friends as clients? What were some of Phil’s early concerns about taking policy loans? What about paying off debt? What about real estate? What about investments? How did Phil pivot, as life happened? What is the...

In this episode, we ask: How can you make your side hustle the main event, without money stress? Who is Janet Kuester and how did she grow the Music Connection to hundreds of students? What did Janet do with her Bank On Yourself® type whole life insurance policy? What is a music activist? What did Janet discover on her journey? What did Janet learn in the Orchestra? Who is looking for a tribe? What about communicating without words? What happened when Janet was 5 years old? When did Ja...

In this episode, we ask: What has been marketed as a shiny solution? Why is the agent pushing this hard? What’s the rub? What conclusion has Mark come to after seeing clients who have been burned by this? What are the numbers? Do you want efficiency? Do you want control? Do you want safety? What is the last thing you need? Why does indexed universal life insurance (IUL) get sold so aggressively? Do the floors protect you against all losses? Is there flexibility? Can you participate ...

In this episode, we ask: Why do indexed universal life (IUL) policies so often fail? How about a high profile example? What about a straight-forward, guaranteed approach? Why are IUL policies structured to shift massive risk onto you, the policy holder? What is the real culprit here? What gets more expensive as you age? What are the caps and limits? What are the rates? What are the spreads? What clips the upside on these IUL products? Why are there optimistic assumptions? What happen...

In this episode, we ask: Have you met a Kung Fu Master? Who is Phil Smith? Who is the big bad banker? What were some of the first lessons on the mat? What are the building blocks? What about the stances? What about versatility? What does it take to be “kung fu” at something? What is the practice? Have you read Atomic Habits by James Clear? What happens with 1% improvements? What about compounding? What happens with time and repeated effort? Where does one start? What about the men...

In this episode, we ask: Have we gone mad here? Should we save more? Should we just hope the market cooperates? What is the four step process for the black belt? What discipline is required to handle large loan balances? What is the most important business in the world? Should premiums and income match? What is the black belt strategy? Is it a black belt for a reason? Would you like to start with capturing your monthly cashflow with No. 1 The White Belt? Would you like to work with th...

In this episode, we ask: Have you tied on your belt? What is happening with the CPI? Where is worker confidence listed with ABRI? What is the median savings for people in the U.S.? What age bracket is buying whole life insurance in droves? What is the black belt? Are you leaking wealth? Is your wealth working for you or someone else? Would you like to start with capturing your monthly cashflow with No. 1 The White Belt? Would you like to work with the most important people in your life...

In this episode, we ask: What can span three or more generations? Have you considered the family office? Would you like to get going with capturing your monthly cashflow with No. 1 The White Belt? Would you like to advance to working with the most important people in your life, No. 2 The Yellow Belt? Would you like to climb up and out on eliminating debt with No. 3 The Orange Belt? Would you like to review strategies to protect your retirement and business with No. 4 the Red Belt? Would y...

In this episode, we ask: Why is the consumer sentiment rating in the basement? What is projected to run dry? What are people voting with their wallet for? Would you like to begin with capturing your monthly cashflow with No. 1 The White Belt? Would you like to continue on with the most important people in your life, No. 2 The Yellow Belt? Would you like to climb up and out on eliminating debt with No. 3 The Orange Belt? Would you like to review strategies to protect your retirement and bu...

In this episode, we ask: Are you crossing your fingers and hoping Wall Street delivers? Would you like to start with capturing your monthly cashflow with No. 1 The White Belt? Would you like to follow up with the most important people in your life, No. 2 The Yellow Belt? Would you like to catch up on eliminating debt with No. 3 The Orange Belt? Would you like to review strategies to protect your retirement and business with No. 4 the Red Belt? Does financial mastery unfold in a straight li...

In this episode, we ask: Are you ready to advance to a pivot point in the financial dojo? Would you like to review No. 1 The White Belt? Would you like to listen to No. 2 The Yellow Belt? Would you like to catch up on No. 3 The Orange Belt? What are we moving beyond with the Red Belt? Are you approaching or in retirement? Are you running your own business? What are the headwinds? Are you protecting a nest egg? What is the retirement repositioning strategy? Should you stuff every last ...