Tough Money Mastery with David Zapata: Part 1
Wade Borth - Sage Wealth Strategy
Release Date: 07/29/2025
Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 3
Wade Borth - Sage Wealth Strategy
Summary In the final episode with Wade, Todd, and David, the conversation shifts from philosophy to history and mentorship. Wade asks what has changed in the financial industry over the past several decades and what hasn’t. Todd reflects on the early days before computers, the impact of mentors like Norman Baker, the myth of “deals” in insurance, and the importance of integrating tools—not replacing human judgment with them. The discussion highlights why math must be paired with context, conversation, and strategy in order to truly serve clients. It’s a timely reminder that the...
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Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 2
Wade Borth - Sage Wealth Strategy
Summary In part two, Todd shares the essential ideas he believes every advisor and client should understand: the difference between savings and investments, why life insurance belongs in the “certainty asset” category, how cash protects against both gray and black swan events, and why net worth isn’t the real target—cash flow and distribution are. The trio explores asset sequence, liquidity, and why small strategic changes over time outperform “swinging for the fences.” If you want to advise more effectively, make smarter financial decisions, or reshape how you think about...
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Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 1
Wade Borth - Sage Wealth Strategy
Summary In part one of this three-part conversation, Wade Borth sits down with Todd Langford and David Zapata — two thinkers who have been reshaping how advisors and clients approach money. Together they break down why most financial decisions are emotional rather than mathematical, why small behavioral shifts create massive compounding effects over time, and why understanding your relationship with money is foundational. From cars to Amazon purchases, to becoming the “director in your own movie,” this episode shows how certainty and clarity begin with awareness, not complexity....
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The Retirement Crisis Nobody Wants to Talk About
Wade Borth - Sage Wealth Strategy
Summary In this episode, Wade breaks down the numbers behind America’s growing retirement crisis and why so many families struggle to build meaningful retirement accounts. Instead of simply blaming market volatility or lack of discipline, he explores deeper causes—from generational inheritance expectations to the hesitation younger savers have about locking money away for 30+ years in traditional tax-qualified plans. Wade also challenges the conventional definition of “retirement,” arguing that true financial freedom comes from passive income, control, and liquidity—not hitting...
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The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 2
Wade Borth - Sage Wealth Strategy
Summary In part two of this conversation, Wade and Suzanne White pull back the curtain on how commercial property and casualty insurance actually works behind the scenes. They explore premium financing, non-standard policies, minimum earned premiums, and the hidden costs many business owners unknowingly accept just to stay insured. Suzanne explains how a lack of liquidity forces reactive decisions, while intentional cash strategy creates flexibility, leverage, and control. This episode bridges commercial insurance planning with smarter capital management and Infinite Banking principles,...
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The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 1
Wade Borth - Sage Wealth Strategy
Summary In this episode, Wade sits down with Suzanne White to uncover one of the most overlooked pillars of financial protection for business owners: commercial property and casualty insurance. Together, they explore why P&C is often treated as a checkbox instead of a strategic foundation, how COVID exposed dangerous gaps in liquidity, and why siloed advisors leave business owners vulnerable. This conversation sets the stage for a more holistic approach to wealth, risk, and leadership—where liquidity creates opportunity instead of chaos and coordinated planning replaces fragmented...
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Becoming Empty Nesters: Trusting You Raised Them Right
Wade Borth - Sage Wealth Strategy
Summary In this episode of the Wade Borth Podcast, Wade and guest Kira discuss the emotional and financial journey of parents as they transition to empty nester life with a child in college. Gain insightful perspectives on balance, independence, and financial wisdom—essential for every parent facing this stage. Don't miss Kira's unique insights and Wade's seasoned guidance! Episode Highlights 00:00:12 - Launch of Kira's Consumer Corner 00:00:25 - Discussion on Empty Nest Syndrome 00:01:09 - Importance of Interdependence 00:02:02 - Parenting an Only Child 00:05:11 - Emotional...
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Compilation Episode: Best of 2025
Wade Borth - Sage Wealth Strategy
In this "Best of 2025" episode of the Wade Borth Podcast, explore transformative insights on building personal banking systems, the security of life insurance, and a real client's inspiring Infinite Banking Concept (IBC) journey. A highlight is guest Nate Scott's enlightening perspective on infinite banking stages. Essential listening for anyone seeking to redefine financial freedom and legacy building. Episode Highlights 01:09 - Understanding Infinite Banking 03:00 - Four Stages of Whole Life Insurance 05:00 - Importance of Being a Saver 06:07 - The Financial Pressure of Being Asset Rich,...
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The Five Areas of Life: Leading Yourself Forward
Wade Borth - Sage Wealth Strategy
In today's, Wade explores the idea that what got you here won’t get you where you want to go. He breaks down why rethinking your thinking is essential for growth and how “arrival syndrome” can quietly hold you back. Wade also touches on leading yourself in the Five Areas of Life, letting go of what no longer serves you, and building the right team to support your goals. A short but powerful reminder to pause, reflect, and step into who you need to become next. Episode Highlights 01:50 - Coaching perspective on growth and success. 02:18 - Five areas of life for holistic abundance. 03:34...
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Financial Emergencies Happen—Here’s How Liquidity Saves You Every Time
Wade Borth - Sage Wealth Strategy
In this episode, Wade breaks down how “financial sewer backups”—market downturns, emergencies, recessions, and income loss—can blindside families and business owners. He explains why liquidity, cash reserves, and intentional planning are the key to surviving financial crises, protecting your wealth, and finding opportunities when others panic. If you want a practical, no-nonsense guide to building financial resilience and staying secure in uncertain times, this conversation is packed with real-world insight. Episode Highlights 03:01 - Panic and urgency in a crisis. 04:39 - Financial...
info_outlineIn this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether you're leading a family, building a business, or simply want to get smarter with your money, this episode lays the groundwork for financial clarity, intergenerational wealth, and creating a system that supports long-term abundance.
Episode Highlights
01:08 - Impact of family financial principles.
02:59 - The flow of money.
05:45 - Importance of financial education.
07:00 - Becoming the author of your financial plan.
09:13 - Individual vision for financial outcomes.
09:53 - Leadership in family finances.
10:28 - Four main discussion topics for the episode.
11:30 - Building a family banking system.
12:44 - Keeping a million dollars in control for vehicle financing.
13:50 - Sourcing debt as a family.
14:44 - Charitable donations for family legacy.
16:10 - Empowerment through education.
17:07 - Proper sequence in financial decisions.
18:28 - Role of whole life insurance in financial planning.
19:35 - Importance of interdependence in family finances.
22:36 - Family banking business in practice.
26:34 - Rules for family financial operations.
28:36 - Vehicle financing strategies for families.
31:52 - Opportunity cost in financial decisions.
34:50 - Flexibility and control in financing within a family.
37:16 - Legacy giving through life insurance benefits.
45:11 - Preparing children for financial independence.
47:07 - Flexibility of loan provisions in family banking.
Episode Resources
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Connect with Wade Borth
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Connect with David Zapata