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The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 1

Release Date: 12/31/2025

The Richest Man in Babylon Part 2: How to Take Control of Your Money and Build Financial Freedom

Wade Borth - Sage Wealth Strategy

Wade wraps up his review of The Richest Man in Babylon, covering chapters eight through the end. He pulls out lessons on taking responsibility for your circumstances, choosing a simple framework over more information or another product, and doing the work now so you're prepared when opportunity shows up. He closes with a reminder that you'll end up exactly where you're headed unless you change course. Key Takeaways Your circumstances don't decide who you become. Awareness, education, and action start with taking responsibility for your own choices. A product won't solve a mindset problem....

The Richest Man in Babylon Part 1: Why Timeless Wealth Principles Still Work Today

Wade Borth - Sage Wealth Strategy

Wade opens a book study on The Richest Man in Babylon, a nearly hundred-year-old book his agency is reading together, and walks through the first half's core lessons on saving, protecting capital, and controlling your own banking function. He explains why high income rarely equals real financial control, why guarding against loss matters more than chasing returns, and how the ancient walls of Babylon still describe what it takes to build wealth that lasts. Key Takeaways Most people retain only about 5% of what they've earned over the last ten years, proof that high income alone doesn't build...

This is a why I do what I do: The Farm Auction That Built My Mission

Wade Borth - Sage Wealth Strategy

Wade opens up about the real reason he's in the life insurance business: providing liquidity at the time of death, and every day before it. He traces that mission back to 1981, when his father died suddenly and a banker's advice to drop an "expensive" life insurance policy left the family with no death benefit and no liquidity. A farm auction, a sale bill a family friend recently rediscovered, and a mother who never had time to grieve are the backdrop for a conversation about why every family needs a real answer to one question: do I have enough death benefit? Key Takeaways A banker...

200 Episodes In: The Money Lessons, Growth, and What Comes Next (With Mike Brevik

Wade Borth - Sage Wealth Strategy

Wade Borth marks the 200th episode of the podcast by bringing on Mike Brevik of Cyberdogz Marketing, the guest who first pushed him to hit record. Together they look back at what actually changed since episode one and look ahead to the next 100 episodes, where liquidity, preparedness, and adapting fast take center stage. Key Takeaways Stop waiting for the perfect version of anything. The episodes, and the decisions, you're most tempted to redo are often the ones that connect the most. Build consistency before you build an audience. Showing up week after week is what earns people's...

The 4% Rule Is a Guess: Withdrawal Rates, the 401(k), and Becoming Your Own Fiduciary

Wade Borth - Sage Wealth Strategy

Executive Summary An article pitting Bill Bengen's revised 4.7% withdrawal rate against Suze Orman's 3% rule sent Wade Borth down a different road this episode. Rather than picking a side, he asks why anyone would build a retirement plan on a rule that only claims a 90% chance of success. His answer starts with rejecting scarcity thinking and becoming your own fiduciary. Key Takeaways Bill Bengen's updated 4.7% rule and Suze Orman's 3% rule are both opinions, not guarantees, and neither promises a 100% positive outcome. Withdrawal rate rules ask how little you can spend without running out...

Replace the Banker With Yourself: Rethinking Kiyosaki's Cashflow Quadrant

Wade Borth - Sage Wealth Strategy

Executive Summary Wade Borth revisits Robert Kiyosaki's Cashflow Quadrants and picks up a thread the book never finishes: every quadrant, employee, self-employed, business owner, or investor, still depends on a bank. Wade argues the real shift isn't earning more new money, it's taking permanent control of the old money already flowing through your life. He lays out how a properly structured whole life policy lets you step into the banking function yourself. Key Takeaways Every side of Kiyosaki's Cashflow Quadrant, employee, self-employed, business owner, or investor, still runs...

Why You Need a Destination Before You Can Build Generational Wealth

Wade Borth - Sage Wealth Strategy

Summary Recorded from the lake, Wade Borth uses a fishing analogy to talk about goal-setting and purpose: you won't catch fish by dropping the boat in the water and drifting, you have to start the motor and steer toward a specific spot. The same is true for financial and professional success. Wade explains why so many agents and clients have never been asked to define success, encourages listeners to set specific, time-bound goals, and reminds them the path will shift along the way. He frames his own role as a "problem identifier" who empowers people once they know what they're aiming for, and...

Is Your Money Sheltered or Exposed to the Weather?

Wade Borth - Sage Wealth Strategy

Summary Wade Borth is recording from the lake this week, and it gets him thinking about purpose, patience, and where people store their money. He shares a story about fishing with his son Josh and compares the pressure to fish once you’ve made the trip to the pressure people feel to invest cash the moment it’s sitting in a bank account. Wade introduces the “boat lift” analogy: money in a properly funded whole life policy is sheltered, growing, and protected, so you’re never forced to deploy it before the timing is right. He walks through the guaranteed death benefit, tax advantages,...

The Fifth Quadrant: How Providing Liquidity Puts You in Control of the Money Game

Wade Borth - Sage Wealth Strategy

SUMMARY Robert Kiyosaki's Cashflow Quadrant maps out four types of people in the money game: employees, self-employed workers, business owners, and investors. It's a powerful framework, but Wade Borth argues it's missing one critical player: the banker. In this episode, Wade breaks down who actually controls the money game. No matter which quadrant someone occupies, they all need access to liquidity. The person providing that liquidity, whether it's Wells Fargo or a private individual with a pool of capital, holds the real power. Wade explains how anyone can begin building their own banking...

Inaction Has a Price: The Sequence and Habits Separating Wealth Builders from Everyone Else

Wade Borth - Sage Wealth Strategy

Summary Wade Borth takes listeners inside a recent Tough Money live event, using real data to show what financial life actually looks like for a top 10% household earning $150,000 per year. The numbers may surprise you, starting with the size of the average family's liquidity bucket. The episode builds to a direct challenge: if you are already aware of the problem, if you have been educated on solutions, what is holding you back from taking action? Wade argues that inaction is not neutral. It carries a real cost, one that your family, your business, and your legacy will ultimately pay. Key...

More Episodes

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 advice. If you want to understand why protection, cash flow, and advisory alignment matter before a crisis hits, this episode will reshape how you think about your financial foundation.

Episode Highlights

00:00:06 - Introduction to Suzanne White.

00:01:15 - Entering the insurance industry.

00:05:00 - Creating a holistic client approach.

00:06:35 - Lessons learned from COVID.

00:07:50 - The importance of liquidity.

00:09:20 - Building a collaborative financial team.

00:13:32 - Understanding premium financing.

00:16:30 - Different policies in property & casualty insurance.

00:20:56 - Premium financing costs.

00:24:00 - Reducing insurance costs through a holistic strategy.

00:27:20 - Unseen costs in small business policies.

00:29:59 - Utilizing a super application for efficiency.

00:32:15 - Keeping insurance policies updated with business growth.

00:36:40 - The importance of focusing on your expertise.

00:38:30 - Empowerment through collaboration.

00:41:11 - Final invitation to future conversations.

Episode Resources

Keywords

Wade Borth podcast
smart ideas
new opportunities
money
life on your terms
Suzanne White
Brent White
property and casualty insurance
business property and casualty insurance
commercial insurance
infinite banking
whole life insurance
financial realm
holistic client care
business owner advisors
liquidity
COVID
financial Pyramid
team
premium finance
interest rates
standard policy
non-standard policy
Lloyds of London
commercial insurance premiums
self-insuring
deductibles
insurance claims
financial advisors
super application
risk management
exit strategy
business growth
insurance agents

TOPICS