Remnant Finance - Infinite Banking (IBC) and Capital Control

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Many philosophers have contemplated the inevitability of death and taxes. But despite knowing both are coming, most people avoid planning for either until it's too late. What happens when you die without a proper estate plan? What's the difference between a will and a trust? And why does the government already have an estate plan for you—whether you like it or not? This episode tackles est...

Joe Withrow, Brian Moody, and Hans Toohey deliver a joint strategy session on building a financial foundation that survives contact with reality. Why does traditional financial planning put growth before protection? What happens when your plan gets punched in the face? And why is Infinite Banking the only savings vehicle that accomplishes two critical goals simultaneously? Most people have been tr...

Brian breaks down the most misunderstood aspect of Infinite Banking: loan repayments. Why do we pay ourselves back at market rates? What does EVA actually mean? And what happens when you pay yourself more than the insurance company charges? Most people think being their own banker means they can be loose with repayment—skip payments, pay whenever, charge themselves whatever rate feels right. You c...

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system. Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the his...

Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time. Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progr...

Hans and Brian sit down with the Tax Sherpa team—Neal, Serena, and Fatma —to walk through the tax implications of options trading before it's too late to do anything about it. Most in the Remnant caucus of the Low Stress Options community haven't filed a tax return reflecting this trading activity yet. They're tracking weekly income in their spreadsheets and assume that's what they...

Hans and Brian break down the internet outrage over Trump's proposed 50-year mortgage—and why almost everyone is missing the point. The real issue? Homes aren't going up in value—they're going up in price. And it's not because of creative mortgage products. It's because we've been completely untethered from financial discipline, buying based on monthly payments instead of a...

Brian and Hans record together IN PERSON for the first time at the Factum Financial Infinite Banking Mastery Event in Scottsdale, Arizona, joined by Josh Rose from Factum Financial. This isn't your typical financial conference recap—it's a raw conversation about why the best financial gatherings spend more time discussing kids, vacations, and family legacy than investment returns. Whether...

Two-time NASCAR champion Kyle Busch just lost $8.5 million in an Indexed Universal Life policy after paying $10.5 million in premiums. This isn't just celebrity drama—it's a case study in why 90%+ of IULs collapse and why we'll never sell one.  IULs try to be insurance, savings, and investment all in one product. The result? A policy full of moving parts, changing cap rates, rising mor...

Most people fail with money because they're stuck in extremes. Underwhelmed by the same old advice like "save more, spend less, lock it away and hope compound interest saves the day." The truth is simple: You are the asset. Your ability to create value is the greatest investment you'll ever have. This episode breaks down Garrett Gunderson's framework for the six money moves t...

You need to be able to outprint the Fed. To learn a stress-tested way to accelerate your investment capital, go to https://remnantfinance.com/options to learn the framework we discuss this week. AI is transforming the world faster than anyone realizes—and the job market as we know it is about to disappear. In this episode, we speak with Navy nuclear engineer turned entrepreneur Troy Broussard, fou...

College tuition has increased 1184% since 1980 while the value of that education has plummeted... The system that worked for our parents' generation has become a debt trap that produces functionally illiterate graduates who can't read, can't write, and are trained to rely on AI for everything. Sixty Illinois schools have zero students reading or doing math at grade level. University pr...

What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking s...

Two tragedies in one week exposed something many conservatives had been denying: we are not all Americans working toward the same goals. When one side celebrates assassination and the other extends olive branches, the asymmetry becomes fatal. If you believe in traditional values, speak openly about Christ, or question progressive orthodoxy, they consider you deserving of violence. The second half...

What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head. Traditional mortgages trap your equity and...

Two 31-year-old fathers of two. One died unexpectedly in a hospital, leaving his family scrambling financially with only a $400,000 life insurance policy. The other was assassinated for his political beliefs, sparking a national conversation about violence and ideology. Both tragedies expose the same uncomfortable truth: none of us know when our last day will come. Hans opens with a sobering reali...

The media obsesses over whether Powell should cut rates, but they're missing the bigger story entirely…Since 2022, the Federal Reserve has fundamentally lost its ability to control long-term interest rates - and that might be the best thing to happen to American monetary policy in decades. Joe Withrow from the Phoenician League returns to break down the most important financial shift you'v...

From practical financial strategies to unfiltered observations about immigration, medical freedom, and the collapse of Western civilization, this episode combines actionable wealth-building advice with the kind of cultural analysis that might lose them some listeners - which they're perfectly fine with. Brian introduces the Low Stress Trading framework that's generating 1% weekly returns t...

"Insurance companies are the wealthiest businesses, wealthier than banks and even countries. It seems very scammy." This listener question captures what most people think about insurance - and why they're wrong about life insurance. Hans and Brian examine contract law to explain why life insurance operates under completely different legal protections than the car and home insurance t...

Most people are ‘driving McLarens’ while ‘insured like Corollas.’ In this foundational episode, Hans and Brian revisit one of their core concepts: human life value versus needs-based analysis when it comes to life insurance planning. If you're a military officer with just SGLI coverage, or anyone who thinks $500,000 is "a big check" for life insurance, this episode will fundamentally...

The 401(k) system promised financial security, but the numbers tell a different story. In this second part of our series, Hans and Brian delve into Fidelity's latest retirement savings data, revealing why the average American's retirement plan may be setting them up for failure. From baby boomers with $250,000 balances to millennials drowning in target date funds, we break down what these...

Traditional financial planning treats money like a mathematical equation, but real life doesn't follow spreadsheet projections. In this episode, Hans and Brian delve into why the standard financial planning process - with its fixation on the rate of return and perfect projections - fails to account for the complex realities of human behavior, economic volatility, and life's unexpected twis...

The real estate industry has a reputation problem, and Gregg Costin knows it firsthand. As a former Air Force combat systems officer turned real estate agent, he brings a unique perspective to an industry plagued by low barriers to entry and questionable ethics. His journey from being burned by unethical agents to becoming "a realtor for people who hate realtors" reveals the systemic issues plagui...