Most 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 this episode, we dive into why you should run your household like the enterprise it is while building your own family banking system.

Think about it - your day job exists for one reason: to support your family's well-being and future. So why let other institutions capture all the financial benefits from your hard-earned money?

• A Man’s Two Businesses: Every man should focus on two core businesses: his primary vocation, which provides income, and his "banking business," which involves managing personal and family capital. By controlling the flow of money through IBC, families can capture financial benefits typically earned by banks, ensuring long-term financial security and independence.

• The Home is the Ultimate Business: Your home isn’t just where you live; it’s the most important business you’ll ever run. The household is the ultimate enterprise; Every job you take or decision you make should work toward securing your family’s financial stability. Treating your household like a business means planning ahead, protecting what matters, and prioritizing your family’s future.

• Family Banking System: Why borrow from a bank when you can be the bank? By setting up a family banking system with whole life insurance policies, you can fund major expenses like cars or college while keeping the profits in your own family. It’s about building financial independence and creating options for your loved ones.

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If 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.

We get into how these policies work, why they outperform traditional college savings plans, and most importantly, how they can create a legacy of financial independence that spans centuries.

• Foundation of Family Banking: Children's life insurance policies enable generational wealth starting 14 days after birth. Immediate cash value builds tax-free through compound interest. Insurance companies require equal coverage between siblings to prevent any incentive disparities, with coverage typically limited to 50% of the parents' existing policies. The resulting pool of capital becomes a flexible financial foundation - accessible for education expenses, business ventures, real estate investments, or any other purpose without restrictions or penalties. Unlike traditional savings vehicles, these policies combine immediate utility with long-term growth potential, creating a financial legacy that can span generations while maintaining full access to funds throughout the child's life.

• Strategic Advantage Over 529 Plans: Life insurance policies maintain growth even when borrowed against - a key difference from 529s which stop growing when withdrawn. No market dependency or educational use requirements. Death benefit included. Invisible on FAFSA applications. Offers privacy and flexibility 529s can't match.

• Multi-Generational Impact: Creates century-spanning financial independence for descendants. Requires careful trust structuring and family constitution development. Protects future generations from economic pressure, enabling principle-based decisions. Success demands meticulous planning but impacts great-grandchildren and beyond.

• Critical Financial Education Component: Parents must actively teach capital management and banking principles traditional schools ignore. Knowledge transforms inheritance from potential burden to growth tool. Combines financial wisdom with family values. Creates capable wealth stewards prepared to expand legacy. Education proves as valuable as the wealth itself.

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Understanding 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 personnel to provide actionable insights about medical exams, financial requirements, and navigating the complex military medical records system.

Getting coverage while you're insurable is paramount, VA disability claims require careful timing, and understanding the underwriting process matters more than chasing the best rates.

• Dual Qualification Required: Life insurance stands alone in needing both financial and medical approval. Financial looks at income and existing coverage, while medical requires exams and health history. Once approved, it's a binding contract that can't be changed.

• Military Service Adds Complexity: Military pilots face extra charges that civilian pilots don't - $4/thousand for fighters, $2/thousand for helicopters. Deployments complicate coverage, and getting military medical records is notoriously difficult. Simple assignments like moving overseas can trigger special reviews.

• VA Claims vs Insurance Timing: The VA system rewards claiming maximum disability, while insurance rewards good health. Mental health claims especially impact insurability. Key advice: Get insured before filing VA claims, as these records become permanent.

• Focus on Getting Coverage: Whether you get preferred or standard rates matters less than securing coverage while you can. Most people don't get healthier with age. Even if tobacco use or high-risk activities bump up your rates, having coverage beats being uninsurable later.

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Does 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 income tax, direct election of senators, and the Federal Reserve, they explore how America's political landscape has shifted from its original design.

Despite their differences, both agree on several key points: the federal system has serious problems, voting won't fix everything, and personal financial independence ultimately matters more than politics.

• To Vote or Not to Vote: Hans takes a principled stand against participating in federal elections and instead only votes on a state level. Brian, while acknowledging these systemic flaws, advocates for practical engagement with the federal system. He argues that federal elections drive major changes regardless of original intent, pointing to Supreme Court appointments and Trump's unprecedented questioning of the income tax system as evidence that voting can effect real change. Even a flawed tool can be used strategically for positive outcomes.

• Can You Trust Federal Voting Legitimacy? The federal voting system operates more as a corporate consent mechanism than genuine democratic representation. When you've got D.C. legally structured as a corporation and statistically impossible ballot patterns from 2020, it raises some questions.

• The Trump-Harris Dynamic is Unprecedented: Harris is an exceptionally weak candidate, garnering less than 10% support in her home state and dropping out first in the 2020 Democratic primaries, with no enthusiastic support base. Voters aren't choosing between two viable candidates with distinct support bases; instead, they're either voting for Trump or against him, with Harris serving as a placeholder for the anti-Trump position.

• 1913: The Year That Changed Everything: The trifecta of the 16th Amendment (income tax), 17th Amendment (direct election of senators), and the Federal Reserve's creation effectively reconstructed the federal-state relationship. This wasn't just a minor administrative shift - it represented a complete transformation of how American governance functions, creating many of the systemic challenges we grapple with today.

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The 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 look out for before making decisions that greatly impact your or your family’s lives.

Tune in to learn about what Brian and Hans do to make more informed choices about their health and lives.

• Be Skeptical of What the “Experts” Say: Question everything. Just because an “expert” says something, doesn’t mean it’s infallible. If it concerns your body or impacts your life, take the initiative to do your own research instead of blindly trusting someone simply because they hold a PhD. Throughout history, there has been "common knowledge" that experts endorsed which later proved to be incorrect.

• Historical Narratives Should Be Re-examined: Don't hesitate to research and consider alternative viewpoints that challenge commonly accepted historical knowledge. Understanding that history is often presented with biases, and exploring different perspectives can give you a more comprehensive and accurate understanding of past events.

• Corporations Don't Want You To Get Better: Pharmaceutical companies prioritize profits over the well-being of individuals. Their decisions on product development, marketing, and distribution are driven more by financial gain than by public health benefits. Critically assess medical products and treatments, weighing their pros and cons before proceeding.

• Trust Yourself, Not Just Experts: Take personal responsibility and trust your own judgment. Whether it’s about family health, financial decisions, or general well-being, strive to become the expert in your own life. Gather information, question the norms, and make informed decisions for the benefit of your family.

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What 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 income due to becoming disabled), and retirement death (loss of income upon retirement). It can protect your income at all stages.

• Invest in Yourself First: Your ability to earn money is your most valuable asset. Taking care of your health, building your skills, and advancing your career are all ways to make sure you keep that income flowing.

• Prepare for the Unseen: The likelihood of disability affecting one's ability to earn is higher than premature death. It’s important to have an insurance plan that covers all scenarios.

• Insurance is More Than Just Money: It’s about looking out for your family’s future. Whole life insurance ensures your income provides for them regardless of your earning capability while providing a host of living benefits in the meantime.

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Brian 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 share of the mutual insurance company's profits. Unlike volatile stock dividends, these are shares of a mutual insurance company's profits, paid consistently for over a century. But don't be fooled by the declared rate - there's a crucial difference between gross and net dividends. Understanding this nuance is key to maximizing your policy's potential.

• Using Dividends to buy more PUAs: The most efficient way to use dividends is to purchase more Paid-Up Additions (PUAs). This supercharges your policy, expanding both your death benefit and cash value without additional out-of-pocket premiums. It's financial growth on autopilot, constantly strengthening your financial position year after year.

• The Dividend Difference: IBC policy dividends aren’t like stock dividends. They represent a share of the mutual insurance company's profits and are a key tool for policy growth. By reinvesting dividends into Paid-Up Additions (PUAs), policyholders can create a self-reinforcing cycle of policy expansion. This increases both the death benefit and cash value without additional premiums. Once dividends are declared and used for PUAs, they become part of the policy's guaranteed values, effectively raising the policy's financial baseline.

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What 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 as a safe foundation from which to make investments.They explain the crucial difference between base premiums and paid-up additions and demystify the process of actually taking out a policy loan, taking the seemingly complex concepts down to their simplest form.

• IBC Fundamentals: IBC policies are structured with two main components: base premiums and paid-up additions (PUAs). The base premium is described as the foundation of the policy, providing the core death benefit. PUAs, on the other hand, are likened to "miniature policies" allowing for rapid cash value growth. The combination of base premiums and PUAs is what sets IBC policies apart from traditional whole-life insurance.

• Policy Loans and Their Advantages: American family spends about 34.5% of their lifetime income on interest payments to outside entities. By using policy loans instead, policyholders can keep that money within their own "ecosystem." These loans can be used for significant expenses like buying cars, paying for children's weddings, purchasing a second home, financing a mortgage, taking vacations, or even charitable giving. The main advantage is that money in the policy continues to grow and compound even while being used for these purchases, avoiding the opportunity cost of paying cash.

• IBC is Efficiency and Control: In the ‘protect, then save, then grow’ mindset of financial strategy, a whole life policy is the optimal tool for the protection and savings components. From that position of safety, you can more efficiently expand your growth assets by leveraging the power of certainty, liquidity, and control in your policy. The banker (policy owner) makes the rules, and the contractual rights inherent to the whole life policy yield greater flexibility in the banker’s quest for optimization.

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