Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 1
Wade Borth - Sage Wealth Strategy
Release Date: 01/27/2026
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....
info_outline
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...
info_outline
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,...
info_outline
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...
info_outline
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...
info_outline
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,...
info_outline
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...
info_outline
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_outline
The 50-Year Mortgage Problem—and the Family Banking Solution with Kira Nyland
Wade Borth - Sage Wealth Strategy
In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America’s growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the “low payment” and not the true cost, and how thinking like a banker—not just a borrower—can change everything. Wade contrasts the typical consumer approach with strategies rooted in Infinite Banking, whole life insurance, and intentional cash flow, encouraging listeners to treat their...
info_outline
IUL Controversies Explained: Why Whole Life Still Stands Strong
Wade Borth - Sage Wealth Strategy
In this episode of The Wade Borth Podcast, Wade breaks down the recent headlines about NASCAR driver Kyle Busch allegedly losing $8.5 million in an Indexed Universal Life (IUL) scheme—and why stories like this create so much confusion about life insurance. Wade explains the likely factors behind the situation, including premium financing and unrealistic illustrations, and clarifies why IUL shifts risk back to the client while dividend-paying whole life insurance operates on guarantees, transparency, and long-term stability. Instead of letting one bad actor or bad tool tarnish the entire...
info_outlineSummary
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.
Episode Highlights
00:01:14 - Introduction of Todd Langford and Truth Concepts.
00:02:22 - Decision-making: Emotional vs. Mathematical.
00:03:00 - The financial impact of frequent car buying.
00:05:00 - Understanding long-term impact of decisions.
00:06:05 - The power of integrated strategies.
00:08:56 - Importance of client-centered financial advice.
00:10:09 - Emotional importance in financial decisions.
00:12:57 - Advisors' role in personalized financial planning.
00:15:34 - Small changes, big impacts: The power of compounding.
00:19:27 - Inflation awareness in financial planning.
00:21:22 - Visualization challenges in financial goals.
00:22:45 - Clients' difficulty in self-imagining future wealth.
00:24:59 - Encouragement to take control of personal finances.
00:26:18 - Conclusion and teaser for upcoming episodes.
Episode Resources
-
Todd Langford
tlangford@truthconcepts.com
-
David Zapata
davidzapata@factumfinancial.com
Keywords
-
Wade Borth Podcast
-
financial freedom
-
Truth Concepts
-
industry insights
-
decision-making process
-
emotional decisions
-
financial strategies
-
long-term impact
-
financial tools
-
software calculations
-
financial advisors
-
client relationships
-
personal finance
-
incremental changes
-
life planning
-
maximum potential calculator
-
retirement planning
-
inflation impact
-
financial habits
-
director in your own movie
-
small shifts