Episodes

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 ...

In this episode, we ask: What if it is possible to be BETTER than debt free? Would you like to hear the No. 1 The White Belt and No 2. The Yellow Belt? Are you debt free? Is paying cash the answer? What did a recent federal reserve study conclude? What is the Debt SnowBank Method? What are the 5 steps? How about two example cases? Is your thinking short term or long range? Which matters more? What’s the bottom line difference? Do we have to work harder? Do your emergencies care if y...

In this episode, we ask: Will anything else in your financial life work? Did you listen and learn about the White Belt in Episode 453? What is the Yellow Belt? Where is real wealth built? What intentional steps are you taking? What about legacy level power? How much does it cost to raise one child from birth to age 18 in the U.S.A.? What are the problems with 529 plans? What are the advantages of life insurance on children? When is the best time for children to start leveraging uninter...

In this episode, we ask: Where is the true sanity? What about the martial arts belts? How can we build real wealth? How many money moves are you making in your cash flow? How about renegotiating the auto insurance? What about cutting out subscriptions no longer in use? Do you need to adjust your tax withholdings? What about changing how you pay down your debts? How about consolidating high-interest credit cards? Who wants to retain more of the hard-earned income each month? Where you ...