Shows
Remnant Finance - Infinite Banking and Capital ControlAI Disruption & the Future of Capital vs. LaborThe AI revolution isn't just another technological shift—it's a fundamental disruption that will permanently alter the relationship between capital and labor. In this episode, Hans and Brian explore how artificial intelligence is accelerating at an unprecedented pace, threatening traditional employment while creating massive opportunities for those who are prepared.Drawing insights from Jordi Visser's analysis on AI's impact on Wall Street, they examine why this disruption is different from past innovations. Unlike previous technological advances that created new job categories, AI has the potential to replace both mental and physical labor at a sp...2025-07-2544 minRemnant Finance - Infinite Banking and Capital ControlWhen and How to Use Policy Loans - Strategic Decisions for Your Banking SystemPolicy loans are one of the most powerful tools in infinite banking, but they're not free money. In this episode, Hans and Brian dive deep into the strategic considerations around when to use policy loans, when to avoid them, and how to think through these decisions holistically.From philosophical approaches to practical examples, they explore the spectrum of policy loan usage in the infinite banking community, ranging from Nelson Nash's "cut out the snakes and dragons" philosophy to pure arbitrage-focused strategies. The hosts share real-world scenarios that illustrate the power of having control and...2025-07-1858 minRemnant Finance - Infinite Banking and Capital ControlWhat Infinite Banking Is (And What It's Not)We in America have a massive savings problem, and while cash flow is crucial for banking, you can't flow money you don't have. The proliferation of misinformation on social media has created confusion about what infinite banking actually is versus the investment schemes being marketed under its name.In this episode, a real-world case study demonstrates how properly capitalizing an infinite banking system enabled securing 5+ acres of farmland with a clean cash offer, competing against commercial developers. This example illustrates the power of having liquid capital when opportunity strikes, rather than immediately leveraging policies...2025-07-1143 minRemnant Finance - Infinite Banking and Capital ControlNavigating Volatility and Building Generational Wealth with Joe WithrowThe markets are moving like a rollercoaster, driven by tweets and geopolitical tensions that shift from World War III fears to peaceful resolutions within weeks. Headlines change faster than investment strategies can adapt, leaving many wondering whether anything has fundamentally changed or if it's all just noise.In this episode, Hans welcomes back Joe Withrow, founder of the Phoenician League, to discuss how to maintain a long-term investment strategy amid short-term chaos. Their conversation cuts through the daily market drama to examine what matters for building lasting wealth.The...2025-07-0452 minRemnant Finance - Infinite Banking and Capital ControlThe Inflation Reality Check - Why Government Spending Won't Stop and How to Protect Your WealthThe writing is on the wall: government spending isn't going down, and inflation isn't going away. In this episode, we dive deep into the harsh reality that even Elon Musk's DOGE couldn't meaningfully cut federal spending - and what that means for your financial future. If the richest man in the world with unlimited resources can't trim the budget, no one can.This isn't political pessimism; it's economic realism that demands a strategic response. We break down why traditional approaches to inflation protection aren't enough anymore and share how to position for a world...2025-06-2748 minRemnant Finance - Infinite Banking and Capital ControlPresidential Pardon & Financial Freedom Through Infinite BankingMilitary service members who stood against COVID mandates faced unprecedented retaliation, but the tide is turning. In this powerful episode, Mark Bashaw celebrates his presidential pardon from Donald Trump while interviewing Hans from Remnant Finance, a former Navy helicopter pilot whose 14-year career was derailed by refusing unlawful orders.Their conversation reveals how military persecution led to financial awakening and the discovery of infinite banking as a path to true financial independence. Hans shares his transformation from conventional financial thinking to understanding how specially designed whole life insurance policies can replace traditional banking relationships.2025-06-201h 05Remnant Finance - Infinite Banking and Capital ControlHow to Pay Zero Taxes Legally: Tax Sherpa's Million-Dollar StrategiesTaxes don't have to be the financial death sentence most people accept them to be. In this episode, we welcome back Neil McSpadden from Tax Sherpa for his second appearance on the show. Neil shares his journey from owing the IRS $1.3 million to becoming a tax strategist who's helped save hundreds of millions in taxes across 50,000+ returns.The conversation covers everything from the latest Trump tax legislation to practical strategies for business owners, plus why being a W-2 employee puts you at the biggest tax disadvantage possible. We dive deep into the "Big Beautiful...2025-06-131h 03Remnant Finance - Infinite Banking and Capital ControlBehind Enemy Lines - Standing for Constitutional Principles with Navy Commander Rob GreenWhen military leaders weaponize health protocols against service members who refuse to comply with unlawful orders, what happens to the oath to defend the Constitution? In this powerful episode, we're joined by Navy Commander Rob Green, author of "Defending the Constitution Behind Enemy Lines," who shares his experience of being systematically targeted and attacekd for refusing emergency use COVID tests and vaccines.Rob's story reveals the rampant violation of constitutional rights within the Department of Defense and how a leaked Navy standard operating procedure exposed the mass denial of religious accommodation...2025-06-061h 05Remnant Finance - Infinite Banking and Capital ControlHeritage vs Inheritance: Value That Lasts GenerationsMoney amplifies who you are—so the real question isn't just what you'll leave your children, but who they'll become when they inherit it. In this deep conversation, Brian and Hans step away from pure financial strategy to explore something more fundamental: the difference between leaving your family money versus leaving them values, stories, and unbreakable family bonds.Their discussion reveals a sobering truth: by the third generation, most family wealth is squandered and forgotten in American culture. But the real tragedy isn't lost money—it's lost connection. When children don't know who they are...2025-05-3041 minRemnant Finance - Infinite Banking and Capital ControlWhy the Debt Won't (Can't) be Repaid: Who Are We in Debt To?Who do we actually owe our $36 trillion national debt to? What is the national debt? Why will it never be repaid? In this solo episode, Hans tackles this rarely asked but crucial question as he continues his "Know Your Enemies" series on understanding central banking.Hans explores the counterintuitive reality that the national debt isn't meant to be repaid - it's an accounting system where government debt functions as an asset for dollar holders worldwide. By examining the perspectives of economist Michael Hudson, he reveals the strange mechanics behind modern monetary policy.2025-05-231h 03Remnant Finance - Infinite Banking and Capital ControlNot All Dollars Are Equal: Redefining Financial EfficiencyWhat is the value of a dollar? In this episode of Remnant Finance, Hans and Brian explore the concept that not all dollars are created equal. They discuss how the value of your money changes dramatically depending on where it's stored, how it's invested, and what phase of life you're in.From emergency funds to retirement planning, they challenge conventional financial wisdom and explain why simply chasing higher returns isn't always the best strategy. The discussion dives into how liquidity, accessibility, and guarantees can often be more valuable than pure growth potential.Through real-world examples...2025-05-1648 minRemnant Finance - Infinite Banking and Capital ControlIs Dave Ramsey Lying, or Does He Actually Not Understand Cash Value?“Most peoples’ understanding of life insurance comes from someone else’s misunderstanding”Bad inputs lead to bad outputs. For many people, bad input stems from Dave Ramsey. In this episode, we provide a thorough analysis of Dave Ramsey's erroneous claims about whole life insurance, addressing fundamental flaws in his understanding of the concept of cash value. The discussion centers on a recent Dave Ramsey Show clip where he dismisses whole life insurance as a poor financial tool, providing blanket financial advice without a single exploratory question about the caller’s personal situation....2025-05-091h 15Remnant Finance - Infinite Banking and Capital ControlCapitalizing Your Banking System: Finding Premium by Optimizing Cash FlowAre you unconsciously spending on things that don't matter? In this episode, Brian and Hans tackle one of the most common questions they receive from clients: "How do I find money to fund my IBC policy premium?" Together, they explore practical strategies for identifying suboptimal capital in your economy and shifting how you think about premium payments entirely.Their candid conversation reveals how most Americans are managing cash flow without intentionality, letting dollars slip through their fingers. As Brian points out, "The money comes into the account, the money goes out, you don't know...2025-05-0247 minRemnant Finance - Infinite Banking and Capital ControlIBC & Dry Powder: Winning During Market Crashes ft. Scott OsborneWhen you look at historical volatility, when it starts to whiplash like this, it gets more and more severe—so the big question is, are you ready for that?In this episode, Hans and Brian talk with Scott Osborne about navigating market volatility and developing strategies to protect your assets during economic uncertainty. Scott shares insights on how to approach market fluctuations with discipline and why having access to "dry powder" through infinite banking can be crucial during market downturns.The conversation explores the recent sharp market volatility triggered by tariff announcements and the subsequent re...2025-04-2557 minRemnant Finance - Infinite Banking and Capital ControlKnow Your Enemy III: Government Solvency, Gold Revaluation, and Unfunded LiabilitiesAmerica stands at an economic precipice where the next few years will determine whether we face catastrophic collapse or unexpected revival.In this solo episode, we dive deep into the precarious state of America's economy and explore a potential path forward based on insights from Joe Withrow of the Phoenician League. The discussion examines the unprecedented economic situation facing the United States and presents a surprising perspective on how recent policy proposals could potentially avert a sovereign debt crisis.With nearly half of the national debt coming due in...2025-04-1847 minRemnant Finance - Infinite Banking and Capital ControlKnow Your Enemy II : Reserve Currency and Triffin's DilemmaWhat if ending the Federal Reserve created worse problems than the ones we're trying to solve?In this solo presentation, Hans explores the complex world of central banking, focusing on the Federal Reserve's role in the global economy. He examines monetary policy from their perspective to help listeners understand the actual mechanisms at work beyond the typical criticisms.The presentation takes a deep dive into the US dollar's status as the world's reserve currency, exploring both the benefits and costs of this position that few Americans fully understand. Through an examination of the "Triffin Dilemma,"...2025-04-1155 minRemnant Finance - Infinite Banking and Capital ControlKnow Your Enemy II : Reserve Currency and Triffin's DilemmaWhat if ending the Federal Reserve created worse problems than the ones we're trying to solve?In this solo presentation, Hans explores the complex world of central banking, focusing on the Federal Reserve's role in the global economy. He examines monetary policy from their perspective to help listeners understand the actual mechanisms at work beyond the typical criticisms.The presentation takes a deep dive into the US dollar's status as the world's reserve currency, exploring both the benefits and costs of this position that few Americans fully understand. Through an examination of the "Triffin Dilemma,"...2025-04-1124 minRemnant Finance - Infinite Banking and Capital ControlKnow Your Enemy: Central Banking Examined, and How IBC Helps You OptimizeIf you don't hear it from us, you're not going to just stumble across it - but what exactly is "it" when it comes to the truth about our financial system?In this episode of Remnant Finance, Hans dives into the mechanics of central banking, monetary systems, and the financial "rules of the game" that affect us all daily—yet remain largely hidden from view.This episode offers a thoughtful examination of how our financial system actually works and why understanding it matters for those implementing IBC (Infinite Banking Concept). Rather than simply demonizing central ba...2025-04-041h 03Remnant Finance - Infinite Banking and Capital ControlBuilding A Volatility-Proof Retirement Plan Beyond Your 401(k) ft. Scott OsborneAmidst one of the sharpest short-term market downturns we've experienced since 2020, we need a strategy beyond simply market investments.In this insightful episode, we explore financial strategies with Scott Osborne, an independent financial advisor and founder of Patriot Wealth Planners. Scott brings his unique expertise from working with airline pilots and high-net-worth individuals, offering a fresh perspective on financial planning that many might be overlooking.The conversation dives deep into the often-neglected "protect and save" components of financial planning before focusing on growth. They discuss how market volatility impacts actual returns versus compounding...2025-03-2847 minRemnant Finance - Infinite Banking and Capital ControlBuilding Blocks: Nelson Nash' 5 Principles for Infinite BankingWhat if the key to generational wealth was hidden in a 92-page book written over 25 years ago?In this episode of Remnant Finance, we dive deep into the fundamentals of the Infinite Banking Concept (IBC) by revisiting Nelson Nash's five core principles from his groundbreaking book "Becoming Your Own Banker." After exploring various financial topics in recent episodes, the conversation returns to the bedrock principles that make IBC such a powerful financial strategy.The discussion breaks down each principle—Think Long Term, Don't Be Afraid to Capitalize, Don't Steal the Peas, Don't Do Business with Ba...2025-03-2152 minRemnant Finance - Infinite Banking and Capital ControlFraud, Waste, & Abuse: Infinite Banking the Remedy to Fiscal Irresponsibility$4.7 trillion of taxpayer money has vanished, and it's just the tip of the iceberg.In this eye-opening episode, Hans and Brian dive into the ongoing revelations about government waste and corruption being exposed through "DOGE" (Department of Government Efficiency) investigations. They meticulously dissect how government agencies have operated without accountability, spending trillions in what amounts to sophisticated money laundering operations.The discussion connects these alarming discoveries to Austrian Business Cycle Theory, explaining how artificially low interest rates create unsustainable booms that inevitably lead to economic busts. By examining the parallels between this economic theory and...2025-03-1449 minRemnant Finance - Infinite Banking and Capital ControlYour Money, Your Control: The Infinite Banking Revolution with Scott OsbornWhat if you could become your bank, take control of your capital flow, and redirect the 34.5% of income most Americans lose to financing costs back into your pocket?In this special episode, Scott Osborn sits down with Brian and Hans to discuss the infinite banking concept - a strategy that could transform your thoughts about money, savings, and building wealth.They bring unique perspectives as current and former pilots who have discovered a powerful alternative to traditional banking and investing methods. Their journeys reveal how taking control of your banking function can create multi-generational wealth...2025-03-0752 minRemnant Finance - Infinite Banking and Capital ControlThe Regenerative Agriculture Revolution and IBC with Kevin MunoWhat if the solution to America's health crisis is buried in the soil beneath our feet? In this episode of Remnant Finance, Hans and Brian are joined by Kevin Muno, first-generation rancher and founder of Perennial Pastures Ranch.Kevin shares his remarkable journey from college baseball player to regenerative agriculture advocate, explaining the principles behind soil health and discussing the controversial world of raw milk. From his initial permaculture experiments to managing thousands of acres of rangeland, Kevin provides insights into how properly managed grazing can transform degraded landscapes....2025-02-281h 23Remnant Finance - Infinite Banking and Capital ControlEnd the Fed? Global Banking Power Struggles and Economic Resliance with Joe WithrowIs the Fed the enemy, or are we witnessing a hidden power struggle between global interests and national sovereignty? Perhaps both are true.In this deep-diving episode, Brian and Hans are joined by Joe Withrow, a veteran of corporate banking and founder of the Phoenician League. With over two decades of finance experience and three published books, Joe brings unique insights from his firsthand experience during the 2008 mortgage crisis, where he witnessed the transformation of banking practices.The conversation reveals fascinating dynamics between the Federal Reserve, global banking institutions...2025-02-211h 13Remnant Finance - Infinite Banking and Capital ControlInfinite Banking with Remnant Finance on Rebunked PodcastThis week we are sharing an interview that Hans did on Scott Armstrong's Rebunked Podcast! In this episode of Rebunked, host Scott engages in a deep conversation with Hans from Remnant Finance. They explore Hans's transition from a military career to the financial sector, discussing the impact of COVID mandates on their lives. The conversation delves into the flaws of the traditional financial system, the concept of infinite banking, and the importance of cash flow over net worth. Hans shares insights on how to take control of personal finances and the significance of understanding the banking system...2025-02-141h 17Remnant Finance - Infinite Banking and Capital ControlPrivate Rights vs Public Authority: Reexamining Constitutional FreedomsWhat happens when you start questioning everything you've been taught about your rights and the role of government in society?
This thought-provoking episode explores fundamental questions about individual rights, government authority, and personal liberty through the lens of recent historical events. The conversation challenges conventional narratives and encourages listeners to question established thinking patterns while exploring the true nature of constitutional rights.
Through personal experiences, legal frameworks, and historical examples, the discussion delves into how Private Membership Associations offer alternatives to government oversight, what the COVID-19 pandemic revealed about...2025-02-0748 minRemnant Finance - Infinite Banking and Capital ControlLA Fires Prove Self-Insurance is a Myth
Can your wealth strategy survive a catastrophic loss, or is it just a house built on sand?
In this thought-provoking episode, Hans and Brian explore the critical difference between true insurance protection and the misconception of self-insurance. They use recent events in California as a springboard to examine broader principles of wealth protection and risk management that affect everyone.
Through real-world examples and careful analysis, they challenge popular financial advice about "buying term and investing the difference," revealing why this strategy might leave families vulnerable just when they need protection most. The conversation delves into...2025-01-3136 minRemnant Finance - Infinite Banking and Capital ControlUnder the Hood: What is Cash Value in a Whole Life Policy for Infinite BankingIn this Under the Hood episode, Brian and Hans demystify the concept of cash value in whole life insurance, revealing how it fundamentally differs from conventional banking accounts. Rather than being a simple savings vehicle, cash value represents a contractually guaranteed future payment that grows stronger with time - a crucial distinction in an era of financial uncertainty.Starting with a very timely example of the danger of dealing with and depending on the government, they highlight why traditional financial systems may not provide the security many believe they do.2025-01-241h 04Remnant Finance - Infinite Banking and Capital ControlCreate an Estate and Invest the Difference using the Infinite Banking ConceptMost people buy term insurance expecting to outlive it - and that's exactly what the insurance companies are counting on. In this eye-opening episode, we take a critical look at one of the most widely promoted financial strategies: "Buy term and invest the difference." What seems like sound advice on the surface reveals itself to be fundamentally flawed when examined through the lens of actual financial outcomes and human behavior.Through practical examples and real-world scenarios, the discussion illuminates why this strategy fails most people who attempt it. Using analogies from other types of...2025-01-1756 minRemnant Finance - Infinite Banking and Capital ControlIncome Under Management- Net Worth Doesn’t Pay the BillsIs money in the bank wealth? What is the value of money you can’t touch? Discover why cash flow might be more important than your net worth and how acquiring existing businesses could accelerate your path to financial freedom.
In this episode, we explore the dynamic relationship between cash flow and net worth, introducing wealth-building approaches through strategic business acquisition and improved savings strategies. We challenge traditional financial models, showing why they often fall short of creating lasting wealth and examine more effective methods for managing income through tools such as Currence.
...2025-01-1039 minRemnant Finance - Infinite Banking and Capital ControlHarnessing Economic Potential Energy (Why we love policy loans for infinite banking)Harnessing Economic Potential Energy (Why we love policy loans for infinite banking)
Common financial advice tells us to use cash on hand rather than borrowing, particularly when loan interest exceeds what our money earns. We explore why this thinking falls short and how policy loans through Infinite Banking can build lasting wealth in ways that cash transactions cannot.
The discussion reveals how uninterrupted compound growth, combined with maintaining control of your capital, provides superior long-term results compared to traditional cash transactions. We explore why looking beyond short-term interest rate comparisons reveals powerful wealth-building opportunities...2025-01-0345 minRemnant Finance - Infinite Banking and Capital ControlNo Method to the Boomer Madness, Part II
Traditional financial planning builds wealth primarily through stock market exposure, leaving investors vulnerable to market volatility and life's disruptions. We examine why this approach fundamentally misses the mark and explore a more robust strategy focused on protection first.
The conversation reveals how "protect-save-grow" provides a more reliable path than conventional market-based strategies. We discuss why having contractual guarantees and proper protections in place should precede any focus on market returns. This approach creates stability through life's inevitable financial challenges, from disability to divorce.
Through real-world examples...2024-12-2737 minRemnant Finance - Infinite Banking and Capital ControlNo Method to the Boomer Madness, Part IThe financial industry pushes a conventional narrative that retiring at 65 is the ultimate goal, perpetuating a 20th-century model of wealth building that fails to serve modern realities. After working with hundreds of clients, we've learned there's a fundamental problem with traditional retirement planning - it's built on unpredictable assumptions about taxes, inflation, and market performance.
In today's episode, we dive deep into why the standard retirement planning model is broken and why we need to rethink our entire approach to building wealth. We explore how the current system encourages us to defer use of...2024-12-2047 minRemnant Finance - Infinite Banking and Capital ControlCash Value at Work: Stress Free Real Estate with Shane of RP Capital
Most people wait until 65 to enjoy life, saving in retirement accounts they can't touch for decades. After working with hundreds of clients, we've learned there's a better way to build wealth while maintaining your current lifestyle.
In today's episode, we sit down with Shane Thompson from RP Capital to explore how turnkey real estate investing can create passive income streams and accelerate your path to financial independence. We dive deep into why traditional retirement planning falls short, how to leverage other people's money through infinite banking, and why focusing on cash flow rather than...2024-12-1354 minRemnant Finance - Infinite Banking and Capital ControlHow to Save, Invest, and Protect Your Financial Future with IBCMost people confuse saving, investing, and speculating, leaving their financial security to chance. They rely on the traditional accumulation model, trusting the markets to take care of them, while unknowingly engaging in high-risk strategies without understanding the implications.In today’s episode, we explore how to distinguish between these three financial strategies and why building a strong foundation of savings is the key to long-term success. True financial security doesn’t come from speculation or blind investing – it comes from understanding your options, controlling your capital, and aligning your financial strategy with your personal goals.W...2024-12-0643 minRemnant Finance - Infinite Banking and Capital ControlInvest in Yourself: Employee vs Employer MindsetHow do you build wealth?
Most people live in fear of losing their steady paycheck. They cling to the illusion of job security, focusing on their retirement accounts and hoping the markets will take care of them. After spending years in the military, we learned that the "safe" path isn't actually safe.
In today's episode, we explore why investing in yourself is the highest-returning asset you'll ever own. True security doesn't come from your employer or your 401(k) - it comes from constantly expanding your skills, knowledge, and network.2024-11-2936 minRemnant Finance - Infinite Banking and Capital ControlA Man's Two Businesses | Why You ARE In The Banking BusinessMost people think they're in just one business - their job. We’re also all taught that success comes from working hard at a job, earning a paycheck, and saving for the future.
But here's the thing, whether you realize it or not, you're already in the banking business. Every time money moves through your life - paying bills, making purchases, saving for the future - someone is profiting from that flow of capital. Usually, it's the banks.
What if it could be you?
In t...2024-11-2217 minRemnant Finance - Infinite Banking and Capital ControlFunding the Future: The Power of Children's Policies and IBCIf you’re a parent chances are you’re constantly thinking about securing your children's future. Traditional financial planning for kids usually stops at college savings. But what if you could build a financial fortress that grows for generations? Enter children's whole life insurance – These policies offer a unique combination of guaranteed growth, tax advantages, and flexibility that can create lasting generational wealth, especially when used to practice the Infinite Banking Concept.We get into how these policies work, why they outperform traditional college savings plans, and most importantly, how the...2024-11-1551 minRemnant Finance - Infinite Banking and Capital ControlUnder The Hood: Underwriting for Whole Life Insurance and IBCUnderstanding life insurance underwriting is critical. Most agents gloss over the complexities to get straight to the sale, but Hans Toohey and Brian Moody move beyond the typical "just buy term" conversation to examine the intricate process of getting approved for coverage, especially for military service members.Underwriting differs dramatically between civilian and military applicants. In this episode, they discuss the unique challenges of military pilot ratings, the impact of VA disability claims, and the often-overlooked financial qualification process. Hans and Brian draw from their experience working with military p...2024-11-0844 minRemnant Finance - Infinite Banking and Capital ControlTo Vote or Not to Vote: Philosophy vs PracticalityDoes voting matter? With the 2024 US elections being 5 days away, Brian Moody and Hans Toohey move beyond the typical conversation of Trump vs. Harris (because the choice between the two is pretty obvious) to examine the fundamental nature of federal elections.
Brian makes the case for strategic engagement with an admittedly flawed system, but Hans explains why he abstains from voting at the federal level altogether, questioning whether participation legitimizes a system that has strayed far from its constitutional roots. Through the lens of history, particularly the transformative year of 1913, which brought us the...2024-11-0156 minRemnant Finance - Infinite Banking and Capital ControlQuestion the Experts: Standard of Care and Non-Critical ThinkingThe WHO recently stated that fluoride is, in fact, unsafe. After 60 years of being labeled a conspiracy theory, with experts reassuring the public about its safety, people should be concerned about taking the “experts” for their word. We should be doing our own research.
Pfizer's admission that they did not test certain aspects of their COVID-19 vaccine before marketing it as "safe" and "effective" raises serious questions. Can we keep on blindly trusting "expert" advice? In this episode, Brian Moody and Hans Toohey discuss why you need to become your own expert. They delve into what you must l...2024-10-251h 02Remnant Finance - Infinite Banking and Capital ControlThe Three Forms of Economic Death and mitigation with Infinite BankingWhat does life insurance really cover besides the obvious? It's much more than just a payout when you die.Brian and Hans break down the three types of "deaths" protected by life insurance—physical, disability, and retirement—and discuss why it's crucial to safeguard your income at all life stages. Investing in yourself, preparing for unexpected disabilities, and fulfilling moral responsibilities through adequate coverage aren't just smart moves—they're essential. Recognize All Forms of Economic Risk: Life insurance protects against three types of economic "death": physical death, disability death (loss of...2024-10-1833 minRemnant Finance - Infinite Banking and Capital ControlUnder the Hood: Dividends with Infinite BankingBrian and Hans tackle: Dividends in Whole Life. What are dividends in mutual insurance companies, and how do they differ from stock dividends? The most efficient way to use dividends is by purchasing paid-up additions (PUAs). This strategy expands both the death benefit and cash value without additional out-of-pocket premiums, effectively supercharging the policy. Brian and Hans cover the limitations of policy illustrations and emphasize the real-world value of having capital readily available through IBC policies. What Are Dividends? Dividends in IBC policies aren't like stock dividends; they're a sh...2024-10-1151 minRemnant Finance - Infinite Banking and Capital ControlIBC 101 | Back to the Basics of Infinite BankingWhat is Nelson Nash's Infinite Banking Concept? You might have heard it mentioned by rice and beans gurus like Dave Ramsey, but in this episode, Brian and Hans peel back the curtain on everything you need to know about the incredible asset that is whole life insurance.
For those who have been intrigued by the ideas they have talked about, but still unsure on the basics, this episode covers it all: the fundamentals of policy structure, mutual insurance companies, the flexibility of policy loans, and how IBC can be used for protection, financing, and a...2024-10-0444 minRemnant Finance - Infinite Banking and Capital ControlStress-Test Your Financial Strategy against one with IBCWhat if everything you've been told about retirement planning is based on outdated assumptions? Brian and Hans challenge the status quo of financial planning. Why are over 50% of people with 401(k)s unable to retire on those funds alone? They dissect the concept of "stress testing" your financial strategy - a process that most advisors overlook. Why is having a well-informed, comprehensive plan so crucial in today's economic landscape? And how can rethinking traditional retirement methods lead to greater financial security?From the power of guaranteed cash flow to t...2024-09-2746 minRemnant Finance - Infinite Banking and Capital ControlUnder the Hood: Infinite Banking and Policy LoansWhy do the ultra-wealthy play by different financial rules? Because they create the rules for both us and them. Brian and Hans discuss policy loans, a cornerstone of the Infinite Banking Concept that most financial advisors never mention. What exactly happens when you borrow against your own life insurance policy, and why is it more powerful than any other lending mechanism?They unpack how policy loans can provide unparalleled financial flexibility, allowing you to access capital without the red tape of banks or the prying eyes of lenders. Learn how smart...2024-09-2041 minRemnant Finance - Infinite Banking and Capital Control8th Grade Economics: Tax Sherpa on Unrealized Capital Gains Tax and Kamala’s ‘Economic Plan’
Claim your free guide on smart tax planning and Infinite Banking Concepts (IBC)! Start keeping more of your earnings to maximize your financial growth!
https://taxsherpa.com/remnant
Neal McSpadden from Tax Sherpa joins us to discuss taxes, wealth preservation, and economic policy. What does it mean when politicians like Kamala Harris throw around terms like "unrealized capital gains tax" or "price controls," and how does it impact your financial future?
We unpack how proper tax planning can save business owners tens of thousands of dollars annually and shed light on proposed policies that could dramatically alter the financial...2024-09-131h 15Remnant Finance - Infinite Banking and Capital ControlThe Average Rate of Return FallacyYou’ve probably heard someone say, "The market averages 12% returns over the long term." In this episode, Brian and Hans tackle why this is an extremely misleading metric that can lead to unrealistic expectations about wealth growth.
Using real-world examples, they demonstrate how the average rate of return fails to accurately predict investment outcomes. Not only can this metric not be used for future return projections, but it does not even accurately reflect the actual returns over the time span from which the numbers were derived! Also absent in most financial projects are the er...2024-09-0626 minRemnant Finance - Infinite Banking and Capital ControlStocks Must Go Up Because They Do! Why practicing IBC creates a guaranteed non-correlated buffer agains volatility.In this episode, Infinite Banking Concept Authorized Practitioners Brian Moody and Hans Toohey discuss conventional investment wisdom that they no longer buy into. They critique the unspecific yet incessant advice to "buy the dip," “the market is on sale,” on every downturn, arguing that it lacks any semblance of technical analysis and ignores crucial factors like taxes, fees, and inflation. Federal Reserve policies have inflated asset prices, creating a disconnect between market performance and actual economic productivity. They illustrate the risks of market-dependent retirement plans using historical data, demonstrating how early market downturns can devas...2024-08-3046 minRemnant Finance - Infinite Banking and Capital ControlGive Up the Ship: Conviction or Compliance?Hans Toohey, former Navy helicopter pilot, traded his flight suit for a mission to revolutionize personal finance. In this episode, Hans shares how his experience at a liberal Ivy League University, Harvard Kennedy School, and his stance against the COVID-19 vaccine mandate became unexpected catalysts for questioning mainstream narratives. Hans’ refusal of the vaccine mandate resulted in unfair punishment from the Navy. He was immediately grounded from flying and relegated to idle assignments for about two years. This led him to stand firm in his convictions and dive deep into unconventional financial strategies like the Infinite Banking Concept (IBC).
...2024-08-2349 minRemnant Finance - Infinite Banking and Capital ControlHow I Almost Lost My Retirement | Brian's Bio InterviewMeet Brian Moody, Air National Guard pilot turned financial educator. In this episode Brian shares his life story; How he went from thinking about his finances like most people to embracing the IBC. Brian talks about how the COVID-19 vaccine mandate threatened his military career, leading him to stand firm in his convictions and explore alternative financial strategies.
If you're ready to take control of your financial future and create lasting wealth that no bank or big institution can threaten, this episode is a must-listen.
Standing Up for Convictions: B...2024-08-1632 minRemnant Finance - Infinite Banking and Capital ControlStockholm Syndrome: Defending Your Financial CaptorsYou might not realize it, but you’re playing financial chess against three powerful opponents: financial institutions, the government, and corporations. These entities strive to keep your money as long as possible while returning as little as they can. Until you step away from “Conventional Financial Planning” you’ll never be guaranteed to win.
Financial Stockholm Syndrome is what happens when people paradoxically defend systems that are working against their best interests because it’s what they’ve been told. It’s time to rethink your thinking about financial physics. We know your 401(k)s and conventional financial plan...2024-08-0933 minRemnant Finance - Infinite Banking and Capital ControlUnder the Hood: Policy Structure for IBCYour policy design affects how fast your cash grows and the degree of early capital accessibility. In the first of a recurring ‘Under the Hood’ series, Hans and Brian dive into the often misunderstood concept of Policy Design—the structure and components that make up your whole life insurance policy.While many people view insurance premiums as just an expense, it is more accurate to think of premium into the policy as moving from a less efficient vehicle to an optimal savings vehicle. This ‘cash value,’ is accounted for as an asset, which enjoys extremely f...2024-08-0254 minRemnant Finance - Infinite Banking and Capital ControlFinance Gurus say "Whole Life is a SCAM" Here's Why They're Wrong and why IBC works!Is whole life insurance really a scam? In this episode, Brian and Hans read through and discuss an actual conversation they had and explore the often-repeated challenges to whole life and the infinite banking concept (IBC).While many financial gurus dismiss whole life insurance, there's more to the story than meets the eye. Whole life insurance is a powerful savings vehicle, not just an insurance product. This distinction is crucial for understanding its true value in your financial strategy.For example, a $500,000 whole-life policy isn't just about the death...2024-07-2643 minRemnant Finance - Infinite Banking and Capital ControlWhat Are You Worth? Economic Life Value ExplainedWhat exactly is your Economic Life Value and why does it matter? In this episode, Hans Toohey and Brian Moody delve into the often overlooked concept of Economic Life Value—your potential financial contribution over the course of your working life.
While your intrinsic worth as a person is immeasurable, there is a tangible monetary value to your ability to earn, which can be insured. This value, known as Human Life Value, represents a significant asset, more important than tangible assets like homes or vehicles.
For instance, a 25-year-old earning $100,000 annually has th...2024-07-1927 minRemnant Finance - Infinite Banking and Capital ControlThe Ideal Savings Vehicle: Exploring the Many Facets of Whole Life Insurance for The Infinite Banking ConceptWhole life insurance can transform your financial strategy beyond just death benefits. Brian Moody and Hans Toohey discuss the versatility of whole life insurance as more than just a safety net after death.Whole life insurance policies provide control and flexibility under a unilateral contract. It’s important to choose reputable companies, particularly mutual companies that share profits with policyholders, enhancing the benefits of these policies.These policies benefit from guaranteed growth, independent of market conditions, and provide safety as one of the most secure financial vehicles available. Hans discusses the concept of uninterrupted compound in...2024-07-1233 minRemnant Finance - Infinite Banking and Capital ControlDebunking Myths on Whole Life Insurance for IBCIs whole life insurance a valuable financial tool or just an expensive mistake? On this episode, Hans Toohey and Brian Moody tackle the most common myths about whole life insurance. They address the misconception that life insurance is only beneficial after death, explaining how whole life insurance, unlike term insurance, offers ongoing advantages through both death benefits and living benefits.Properly structured whole-life policies can provide earlier access to cash value than most people realize. This feature, combined with unique benefits like tax advantages and guaranteed growth, makes whole life insurance a versatile component of a...2024-07-0556 minRemnant Finance - Infinite Banking and Capital ControlWhat Is The Infinite Banking Concept?The Infinite Banking Concept allows people to utilize capital for security and growth without diminishing principal. This is essential for managing financial life cycles effectively, as it addresses America's critically low savings rate despite being the highest income earner globally.
In this episode, Brian and Hans discuss the fundamental problem of financing everything we purchase and how Infinite Banking can mitigate this by keeping your cash engaged and growing. They emphasize the importance of understanding the difference between saving and investing, with saving focused on preserving principal against risk and investing aiming for potential high returns but...2024-06-2830 minRemnant Finance - Infinite Banking and Capital ControlIntro to Remnant Finance: Mastering Infinite Banking with Brian and HansRemnant Finance aims to revolutionize how you think about money. What’s Infinite Banking? It’s a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations.
Your hosts, Brian Moody and Hans Toohey, veteran pilots and authorized practitioners from the Nelson Nash Institute, will walk you through the nuts and bolts of Infinite Banking in a real, engaging, informative, and applicable way.
They’re not just here to throw facts at you; They want to help you craft a plan that fits your life and gets...2024-06-2606 min