How to Beat the Insurance Companies at Their Own Game w/ Rob Haynie
Release Date: 08/07/2025
Either/Or Investing Is Destroying Your Wealth w/ Caleb Guilliams
Money School Podcast
One of the biggest mistakes in personal finance is how quickly conversations turn into either/or debates. Invest or insure, trust the market, or play defense. Something is a scam, or it’s the answer. The problem is, real financial progress rarely comes from choosing sides. It comes from using the right tools together instead of pretending one tool should do everything. This shows up clearly in the way people talk about retirement plans. People have strong opinions about 401(k)s, especially the idea that the match is a scam. But that argument falls apart once you actually slow down and look...
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Money Has Feelings: Why Wealthy People Still Feel Miserable w/ Shannon Ryan
Money School Podcast
Many people who work hard to build and protect their wealth assume that once they “make it,” everything will finally feel good, secure, calm, and settled. But most people don’t discover the truth until they’re already successful: money doesn’t quiet the fear. It often makes it louder. The pressure gets higher, and the decisions get heavier. The same stress, anxiety, and old beliefs they carried before wealth simply move with them into a larger life. That’s the part no one prepares high earners for: the emotional weight that grows alongside the net worth. And it shows up everywhere:...
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Mistakes That Take Wealthy People Out in a Downturn w/ Arthur Hood
Money School Podcast
When people think about economic downturns, they usually assume the damage happens at the bottom. What rarely gets talked about is how many wealthy people lose everything — not because they didn’t have assets, but because they trusted strategies that only worked when conditions stayed favorable. In this episode, I’m joined by Arthur Hood, an investor and entrepreneur who has built significant wealth across multiple market cycles and watched firsthand how high-net-worth individuals get taken out when liquidity tightens, exits disappear, and assumptions stop holding. We talk about why net...
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The Trucker Financial Trap and How to Escape It w/ Dexter Holiday
Money School Podcast
For a lot of truckers, you can make great money hauling loads across the country, but it comes with a catch: the wheels have to keep turning for the money to keep coming in. There’s no automatic runway to financial freedom, no built-in exit strategy, just the quiet expectation that you’ll drive until your body says you can’t. And the obvious alternatives like owning trucks, hiring drivers, scaling through fleet operations aren’t as simple or as stable as they sound. Most truckers end up in a loop that looks a lot like the rest of America’s financial reality: you earn, you...
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What Most Entrepreneurs Get Wrong About Selling Their Business w/ Gregory Kovsky
Money School Podcast
When entrepreneurs think about selling a business, they picture a clean formula: EBITDA × multiple, a “strategic buyer,” and a smooth six-month process that ends with a big wire hitting their account. What almost no one pictures is the real complexity behind an exit. The psychology, the timing, the identity shift, the risk calculus, and the reality that most founders aren’t just selling a business… they’re handing over a lifetime’s work to someone else. That’s the part nobody warns you about. Most owners obsess over valuation, but the real danger is preparing too late,...
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The Smartest Money Move You’ve Never Considered w/ Dr. Jeff Seibert
Money School Podcast
When people think about wealth-building, they picture stock charts, IRR calculators, and “smart” portfolios engineered by advisors. What they never picture is a dentist quietly building long-term wealth through trees or using a whole life policy as the cheapest, most flexible source of capital in his business. That narrow view hides one of the most powerful truths about high-net-worth families today: the real wealth is built through boring, patient, predictable decisions that compound for decades… not the high-IQ investing most people obsess over. Most high earners are told to focus on...
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How to Escape the Debt Cycle the Banks Want You Trapped In w/ Harrison George and Christy Vann
Money School Podcast
For most people, debt isn’t a mistake; it’s just life. The mortgage, the car loan, and the credit cards are what everyone does. Making the minimum payments feels normal, but that actually keeps people stuck. Millions of families are drowning in debt, and they’re barely managing. They’re working hard, keeping up with their bills, but almost every dollar they earn goes right back out in interest. They’re not moving forward; they’re treading water. The hard part is, they’re not doing anything “wrong.” They’re doing what the system taught them to do: stay cash-poor while the...
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Non-Food Franchises: A Shortcut to Entrepreneurship, Wealth & Tax Benefits w/ Jon Ostenson
Money School Podcast
When people hear “franchise”, they immediately picture a drive-through window and a fryer in the back. That narrow view hides one of the most accessible and profitable paths to business ownership today: non-food franchising. We’ve been taught that entrepreneurship means starting from scratch: writing business plans, building systems, and hoping your idea sticks. Franchising flips that equation. You’re not reinventing the wheel; you’re stepping into a proven system with training, marketing, and infrastructure already built. The best part? You can own a business that runs...
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Why Most Pro Athletes Go Broke (and How Rashad Jones-Jennings Beat the Odds)
Money School Podcast
From the outside, pro athletes look like they’ve made it; like they’ll never have to worry about money again. Multi-million-dollar contracts, highlight reels, and luxury lifestyles suggest money will never be an issue. But behind the scenes, most players are one injury, one bad decision, or one contract away from financial ruin. The truth is, the average NBA career lasts just 4 years. Taxes, agents, lavish spending, and poor planning chip away at earnings until the fortune is gone, and with no plan for life after the game, many athletes end up broke and starting over from scratch....
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Stacking Wealth: The 5 Returns You Can ONLY Get From Real Estate Investing w/ Axel Meierhoefer
Money School Podcast
Most investors don’t fail because they pick the wrong stock or buy into the wrong trend. They fail because they never define success for themselves. They chase returns without knowing what a win actually looks like. Without a clear target and purpose, investing becomes guesswork, and the chances of losing money are higher. Worse, they choose methods that look cool instead of ones they actually understand. They don’t give themselves a hard out, so they hold too long or sell too soon. And often, they pick investment vehicles that only pay them in one way. That’s where real estate...
info_outlineHere’s the dirty secret in the term insurance industry: They win when you cancel. They win when your policy lapses. They win when you don’t understand what you really own.
Think about that for a second.
You’ve been sold on the idea that term insurance is the smart, affordable choice. But what no one tells you is this: it’s a ticking clock. If you outlive the term, you get nothing. All those years of paying in? Gone. Just like that.
Who wins? The insurance companies. Every. Single. Time. They count on you to drop it. They bank on you not knowing any better.
But what if you flipped the script? What if you could turn the tides and make term insurance work for YOU? What if you could unlock hidden value in your policy before it vanishes?
Because the truth is that you can. There are strategies the wealthy use to extract value from term policies that most people surrender without a second thought.
Rob Haynie, Managing Director at Life Insurance Settlements, Inc., joins me in this episode to expose the hidden greed within the insurance industry. We dive into how millions are misled when it comes to term life insurance. More importantly, we reveal how you can flip the script and use your policy to your advantage instead of getting taken for a ride.
Things You’ll Learn In This Episode
-Do more than just surrender
Most people with term insurance don’t realize there are alternatives to surrendering their policy. What if you could unlock hidden value from your term policy instead of just walking away from it?
-Slow economy surrender
In a slowing economy, many are surrendering their life insurance policies without realizing they may have better options. What are the other things you can do?
-Optimizing assets
Term insurance can be treated as an asset, just like your home, because you own it. If your term policy is an asset, are you making the most of its hidden value?
Guest Bio
Rob Haynie is the Managing Director and one of the founding partners of Life Insurance Settlements, Inc. (LIS), a leading life settlement brokerage based in Pompano Beach, Florida. With over 31 years of experience in the industry, Haynie has been instrumental in shaping the life settlement market, advocating for the value of life insurance as an asset class, and educating financial professionals and policyholders about settlement options. Throughout his career, Haynie has been directly involved in negotiating and settling thousands of life insurance policies, earning a reputation as one of the most influential figures in the field. He has served multiple terms on the Board of Directors of the Life Insurance Settlement Association (LISA) and has been a charter member of its Public Policy Committee, which focuses on regulatory and legislative activities within the industry. Haynie is a frequent speaker at industry events and has co-hosted the podcast Unlocking the Hidden Value of Your Life Insurance, where he discusses the benefits and intricacies of life settlements.
Call Rob on 954-599-4433
Email Rob rob@lisettlements.com
Find Rob on LinkedIn @Rob Haynie
About Your Host
From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America’s #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™, and Money Mentor for The Money Multiplier.
His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.
Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.
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