Remnant Finance - Infinite Banking (IBC) and Capital Control

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. Throu...

In 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 ver...

Most 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 fin...

Is 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 impro...

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...

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 strateg...

The 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. I...

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...

Most 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...

How 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 e...

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...

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...

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 thi...

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 feder...

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 "effecti...

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...

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 limitat...

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...

What 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 s...

Why 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...

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"...

You’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...

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.  Fede...

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 pu...

Meet 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...