Wade Borth - Sage Wealth Strategy

Ready to take control of your financial future? Using properly structured whole life insurance, Wade Borth is dedicated to teaching how to establish the right strategy to create generational wealth. In this podcast, Wade shares the tools for understanding and the clarity of how to to do this for your family. This show is all about sharing that sage wisdom to help others build strong financial futures.

The Fifth Quadrant: How Providing Liquidity Puts You in Control of the Money Game 07/07/2026

The Fifth Quadrant: How Providing Liquidity Puts You in Control of the Money Game 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 function, step into that role, and make their money work for them. KEY TAKEAWAYS The Cashflow Quadrant maps four roles (employee, self-employed, business owner, investor) but overlooks the most powerful player: the person providing liquidity. Every quadrant depends on access to capital. The person supplying that capital controls the money game. You don't need to be Wells Fargo to act as a banker. A private pool of capital, lent at a cost, creates genuine passive income. Real wealth isn't about earning more money. It's about making existing money work harder through the banking function. Breaking old money habits is the hardest part. Most people were conditioned by scarcity-era habits formed before they had any net worth to protect. LINKS AND RESOURCES Sage Wealth Strategy: KEYWORDS Cashflow Quadrant, Robert Kiyosaki, be your own banker, banking function, infinite banking concept, IBC, passive income, liquidity, financial freedom, family bank, whole life insurance, cash value, private lending, generational wealth, Sage Wealth Strategy, Wade Borth, pool of capital, financial control, business owner, investor EPISODE HIGHLIGHTS [00:06:08 - 00:07:34] Wade reveals the overlooked player in the Cashflow Quadrant: the banker, the person who provides liquidity to all four roles. [00:08:21 - 00:09:23] Wade explains how General Electric uses everyday investors as their banker by floating bonds on the open market. [00:11:13 - 00:12:27] Wade breaks down how anyone can step into the banking function and create true passive income, regardless of which quadrant they occupy. [00:16:17 - 00:17:52] Wade shares the story of a house flipper in his mid-30s who shifted one profit into a pool of capital and now earns 15% interest lending to other investors. [00:19:42 - 00:20:12] Wade introduces the yellow Jeep syndrome: once you start thinking about who needs capital, those opportunities will appear everywhere. /episode/index/show/wadeborth/id/41853340

Inaction Has a Price: The Sequence and Habits Separating Wealth Builders from Everyone Else 06/30/2026

Inaction Has a Price: The Sequence and Habits Separating Wealth Builders from Everyone Else 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 Takeaways Habits inherited from parents define a financial ceiling most people never examine, let alone break through. Most top 10% earners carry far less liquid capital than their income suggests, and that gap creates real exposure. Wealth at every level demands different habits. Clinging to what worked before is what prevents progress to what comes next. The proper sequence of financial decisions matters as much as the decisions themselves. Out-of-sequence choices create setbacks that compound. Inaction has a measurable cost, one your family, your business, and your legacy will ultimately pay. Links and Resources Sage Wealth Strategy: Factum Financial: Factum Financial YouTube Page (Tough Money live event, 45 min): Contact Wade: Keywords financial inaction, cost of not taking action, wealth building habits, liquidity strategy, infinite banking concept, whole life insurance, family legacy planning, be your own banker, generational wealth, cash value life insurance, proper financial sequence, financial fear, family banking, business succession planning, Nelson Nash, financial independence, Sage Wealth Strategy, IBC practitioner, liquidity bucket, Wade Borth podcast Episode Highlights [00:01:22 - 00:02:05] Wade explains how habits inherited from parents define the financial ceiling most people never break through. [00:02:05 - 00:03:21] The awareness-education-action pyramid, and why action is the hardest step for even the most educated listeners. [00:03:21 - 00:05:16] Wade walks through what a typical top 10% household looks like financially, and why the liquidity number is smaller than people expect. [00:07:27 - 00:09:27] The climbing rope analogy: every level of wealth requires letting go of the habits that carried you to the last level. [00:09:27 - 00:12:07] The financial junk drawer. Too many choices with no clear sequence creates paralysis, not progress. [00:12:07 - 00:14:46] If you're aware, if you're educated, and you still don't act, what are the real consequences to your family and business? [00:16:30 - 00:19:02] Solving the problem costs pennies. Not solving it costs dollars. Wade shows why the math always favors taking action. /episode/index/show/wadeborth/id/41853315

The Hidden Medicare Cost That Could Drain $350,000 From Your Retirement (IRMAA Explained) 06/16/2026

The Hidden Medicare Cost That Could Drain $350,000 From Your Retirement (IRMAA Explained) Summary Most people know Medicare costs money in retirement, but few understand how much their income level affects what they actually pay. In this episode, Wade Borth unpacks IRMAA, the income-related surcharge that can quietly add $162 to $650 or more per month to your Medicare premiums, depending on what you earn. Wade walks through who gets hit, what counts as income in the calculation (including surprises like municipal bond interest and Social Security), and how a single dollar over the threshold can cost you hundreds of thousands of dollars over time. He also explains how properly structured whole life insurance creates an income stream that falls outside the IRMAA calculation, giving retirees a meaningful planning advantage. Key Takeaways IRMAA can add hundreds of dollars per month to Medicare premiums, and a single dollar over the income threshold triggers the full surcharge with no gradual phase-in. Every dollar of the surcharge has a compounding cost. That extra $162 per month, grown at 4% over 20 years, is worth nearly $60,000 in real wealth. Income sources many people overlook in the IRMAA calculation include capital gains, Social Security income, municipal bond interest, rental income, and Roth conversions. IRMAA looks back two years, so a one-time income spike follows you into retirement longer than most people expect. Properly structured whole life insurance, when funded correctly, provides an income stream through policy loans that does not count toward the IRMAA calculation, giving retirees real choices when managing retirement income. Links and Resources Sage Wealth Strategy: Keywords IRMAA, Medicare premiums, income-related monthly adjustment amount, retirement planning, Medicare Part B, Medicare Part D, retirement income, whole life insurance, infinite banking concept, IBC, policy loans, capital gains in retirement, Roth IRA withdrawals, 401k withdrawals, Medicare surcharge, retirement mistakes, Wade Borth, Sage Wealth Strategy, wealth erosion retirement, family banking Episode Highlights [00:00:00 - 00:01:32] Wade opens with a lunch conversation where a friend approaching retirement had no idea how IRMAA would affect his Medicare costs. [00:05:15 - 00:08:17] Wade explains the $218,000 joint income threshold and how IRMAA brackets step up in full increments, not gradually. [00:08:18 - 00:09:21] One dollar over the threshold adds $162 per month to a couple's Medicare premium, a 40 percent increase with no phase-in. [00:09:22 - 00:12:24] At a 4 percent growth rate, that extra $162 per month is worth $60,000 over 20 years. At the top bracket, the 20-year cost reaches $238,000. [00:12:25 - 00:17:03] Wade walks through every income source factored into the IRMAA calculation, including capital gains, Social Security, municipal bond interest, and Roth conversions. [00:17:04 - 00:19:35] HSA distributions and Roth IRA withdrawals do not count toward IRMAA, creating real planning flexibility for retirees who hold these assets. [00:19:36 - 00:23:46] Properly structured whole life insurance policy loans fall outside the IRMAA calculation, giving retirees an income source they can draw from without triggering the surcharge. /episode/index/show/wadeborth/id/41554205

The Business Owner's Pension Blueprint 06/09/2026

The Business Owner's Pension Blueprint Summary This is part 3 of our series. What if your quarterly tax bill could become a retirement engine? In this episode, Wade sits down with Rohit Punyani, founder of The Owner's Asset, to unpack the pension strategy most business owners and their advisors overlook. The conversation covers the sequence of financial planning, the psychology of guaranteed income, and how to combine IBC with a defined benefit pension to fund whole life insurance and annuities at wholesale pricing through tax deductions. Ro and Wade also break down who qualifies, what the first conversation looks like, and how a $1.8 million deduction can create an $11 million estate planning shield. The message is clear: structure your capital in the right order, and the numbers take care of themselves. In our previous episodes, we dive in into lots of other topics: In part 1 Wade Borth and Rohit Punyani explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Key Takeaways Sequence matters more than the total amount of capital. IBC is the foundation, a pension adds whole life and annuities with pre-tax dollars, and markets or real estate come after. Guaranteed income removes the scarcity mindset in retirement. People with income live abundantly; people drawing down assets tend to pull back every time the market dips. If your liquidity does not scale with your wealth and income, your financial plan is fragile. Business owners paying $20,000 to $30,000 or more in quarterly estimated taxes may qualify for a defined benefit pension that turns a tax liability into a retirement asset. Life insurance and estate planning can be layered inside a pension structure, allowing business owners to manufacture significant liquidity at a fraction of the out-of-pocket cost. Links and Resources Part 1: Part 2: Keywords pension strategy for business owners, defined benefit pension, tax arbitrage, infinite banking concept, IBC, whole life insurance, annuities, guaranteed income retirement, cash value life insurance, Wade Borth, Rohit Punyani, The Owner's Asset, business owner retirement planning, 1099 retirement strategy, self-employed pension, estate planning life insurance, family banking, financial liquidity, cash flow retirement, scarcity mindset retirement Episode Highlights [00:01:45 - 00:02:25] Ro explains why capital structure matters as much as total capital, and how starting a $40,000 annual policy in your forties generates six-figure cash flow by your seventies. [00:03:05 - 00:04:06] Wade and Ro align on the need for a process that wins every time, and Wade introduces the sequence framework: how you pack your bags going up the hill determines how you come back down. [00:05:27 - 00:06:24] The 2016 LIMRA annual report and the 2005 Wall Street Journal article 'Friends, Neighbors, and Annuities' show that people with annuities live longer and carry less financial stress. [00:06:25 - 00:07:10] Wade references Tom Hegna's principle: people with income are happy, people with assets are miserable. A real client story about a market dip derailing a boat purchase brings it to life. [00:10:25 - 00:11:25] Ro shares his epiphany as a former chief investment officer and credits Wade with the principle: if your liquidity does not scale with your wealth, your plan is fragile. [00:13:26 - 00:15:02] Ro walks through who qualifies for a pension, what the first conversation looks like, and why roughly 30 percent of inquiries are not yet in the model's sweet spot. [00:17:28 - 00:18:15] Ro describes how a pension structure enabled estate planning for a 70 and 68-year-old couple: $1.8 million in deductions created an $11 million estate planning shield. [00:18:34 - 00:19:23] Wade and Ro clarify who should reach out: self-employed individuals on 1099, K-1, or W-2 from their own S corp, making quarterly estimated tax payments of $20,000 or more. /episode/index/show/wadeborth/id/41373635

Your Business Owes You a Pension 06/02/2026

Your Business Owes You a Pension Summary In part 1 Wade Borth and Rohit Punyani, founder of The Owner's Asset, explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. We continue this episode in part 2, as most business owners know they should be saving for retirement. What they don't know is how much the tax code has stacked the deck in their favor. In this episode, Wade and Rohit Punyani of The Owner's Asset dig into who a cash balance plan actually works for, why older business owners have the biggest advantage, and how to run a pension and a 401(k) together for maximum effect. Rohit also breaks down one of the most underused strategies in retirement planning: depositing required minimum distributions into a seasoned whole life policy to convert taxable income into accessible, non-taxable cash flow. If your business has been funding the IRS instead of your future, this conversation is for you. Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance. Key Takeaways The ideal candidate: a stable business with consistent taxable income, quarterly estimated payments above $20,000 to $30,000 per quarter, and at least some active K-1, S-corp, or 1099 income. After age 52 or 53, the IRS tables allow deductions that can exceed your active income. A 60-year-old with $100,000 in side income may be able to deduct $250,000. A pension and a 401(k) can and should coexist. The 401(k) stays in the market for growth. The pension funds your guaranteed safety-first income. The pension contribution is a top-line deduction. A $200,000 contribution on $1 million in revenue means the IRS taxes you on $800,000, and it can drop you into a lower marginal bracket. Required minimum distributions should never be spent directly. Depositing an RMD into a seasoned whole life policy and drawing on the policy's cash value can convert a $40,000 taxable distribution into $100,000 or more of accessible, non-taxable cash flow. Links and Resources Part 1: Keywords cash balance plan for business owners, who qualifies for a pension, K-1 income retirement, 1099 pension plan, self-employed retirement planning, age advantage cash balance plan, RMD strategy whole life insurance, infinite banking RMD, required minimum distributions whole life, pension and 401k together, business owner tax deduction, Wade Borth, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, solopreneur retirement, cash flow vs income IRS, top-line deduction, talent retention pension, small business pension plan Episode Highlights [00:04:35 - 00:05:46] Rohit defines the ideal candidate in human terms: a stable business writing quarterly estimated tax payments above $20,000 to $30,000 that could instead be flowing into a pension. [00:07:20 - 00:08:36] The age advantage: after 52 or 53, you can deduct more than your active income. A 60-year-old with $100,000 in side income can potentially deduct $250,000 and erase a tax bill entirely. [00:11:05 - 00:11:28] The 401(k) and pension should coexist. Stay in the markets with the 401(k). Use the pension to buy your safety-first guaranteed income. [00:13:48 - 00:14:53] Top-line deduction explained: a $200,000 contribution on $1,000,000 in revenue means the IRS taxes you on $800,000, and it can push you into a lower marginal tax bracket. [00:17:56 - 00:19:20] The catch-up concept: after years of building a business without contributing to retirement, a cash balance plan lets you redirect $200,000 to $300,000 a year and rebuild what was missed. [00:21:29 - 00:25:43] The RMD strategy: take a $40,000 distribution, deposit it into a seasoned whole life policy, use the policy's 3x to 4x release to pay taxes and keep the rest, turning $22,000 of after-tax income into $102,000 of cash flow. /episode/index/show/wadeborth/id/41373610

Six Figures Off, Seven Figures Built 05/26/2026

Six Figures Off, Seven Figures Built Summary Most business owners know that taxes are their biggest expense. Fewer know there is a legal, IRS-approved way to redirect that money into a guaranteed retirement asset. In this episode, Wade sits down with Rohit Punyani of The Owner's Asset to walk through cash balance plans, the modern business owner's version of a pension. Rohit explains how owners with active income can take deductions of up to $300,000 per year, how whole life insurance can be purchased inside the plan with pre-tax dollars, and how the plan can eventually feed an infinite banking strategy. If you are tired of writing tax checks, this conversation shows you where that money could go instead. In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance. Key Takeaways Business owners with active income can deduct up to $300,000 per year through a cash balance plan, compared to the $23,500 cap on a 401(k). The two bookends of retirement planning are the 4% rule (market-based probability) and the safety-first school of thought (guaranteed income). A well-designed plan draws from both. A cash balance plan allows you to purchase whole life insurance with pre-tax dollars, one of the very few ways to do so in the entire tax code. The money earmarked for taxes is already leaving your world. The only question is whether it goes to the IRS or into a guaranteed retirement asset. A policy funded inside a pension can later be moved out and used for infinite banking, giving you both the tax deduction and the long-term liquidity. Links and Resources Part 2: Keywords cash balance plan, defined benefit plan, tax deduction for business owners, retirement planning for business owners, infinite banking, whole life insurance, guaranteed retirement income, pension plan for small business, 4% rule, safety-first retirement, pre-tax life insurance, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, Wade Borth Podcast, business owner tax strategy, generational wealth, cash value life insurance, death benefit, liquidity Episode Highlights [00:02:21 - 00:03:02] Rohit delivers the core promise: a six-figure tax deduction for a seven-figure guaranteed retirement, and explains why taxes are every business owner's biggest leakage. [00:11:13 - 00:12:31] The 4% rule explained, including what success actually looks like: having one dollar left the day you die. [00:13:05 - 00:15:33] Wade explains the safety-first school of thought and why transferring longevity risk to a life insurance company changes the retirement equation. [00:22:10 - 00:24:02] The first two differences between a cash balance plan and a 401(k): deduction limits ($300,000 vs. $23,500) and the ability to purchase whole life inside the plan with pre-tax dollars. [00:24:54 - 00:25:15] Wade and Rohit land the key insight: the money is already leaving. The only question is where it goes. [00:25:37 - 00:26:28] The fourth and most compelling difference: the policy can be pulled out of the pension and used for infinite banking. /episode/index/show/wadeborth/id/41373545

Is Infinite Banking Too Good to Be True? 05/19/2026

Is Infinite Banking Too Good to Be True? Episode Summary In this episode of Wade Borth Podcast, Wade Borth and Beth Reich tackle one of the most common reactions people have when they first hear about Infinite Banking and whole life insurance strategies: “This sounds too good to be true.” Wade breaks down why skepticism around alternative financial strategies is natural, while also challenging listeners to examine the traditional banking and retirement systems with the same level of scrutiny. The conversation explores the difference between guaranteed assets and speculative investments, the role of liquidity during economic downturns, and why education and intentionality are essential when making financial decisions. Throughout the episode, Wade emphasizes that Infinite Banking is not about chasing unrealistic returns—it’s about building control, certainty, access to capital, and long-term financial flexibility. Beth provides the perspective of the everyday consumer, asking the questions many listeners are already thinking: What’s the catch? What are the risks? Why doesn’t everyone do this? The episode ultimately becomes a discussion about mindset, financial literacy, and the risks of inaction when it comes to personal wealth-building. Links & Resources Keywords Infinite Banking, Whole Life Insurance, Family Bank, Financial Freedom, Cash Flow, Policy Loans, Wealth Building, Personal Finance, Guaranteed Assets, Financial Literacy, Retirement Planning, 401k Alternatives, Liquidity, Opportunity Cost, Financial Education, Wealth Strategy, Passive Wealth, Banking System, Financial Independence, Wade Borth Episode Highlights 00:00–01:12 – Wade introduces the concept that money tends to flow back to people who understand how to use it effectively. 01:12–02:15 – Discussion on the profitability and structure of the modern banking system. 02:15–03:14 – Recommended books for understanding both the banking system and personal financial control. 03:34–04:58 – Wade explains why more people use Infinite Banking than most realize—it’s simply private. 05:01–05:47 – The vision behind creating a “family bank” and building generational financial control. 06:19–07:33 – Why fear often comes from not understanding financial products and outcomes. 07:33–08:29 – Wade contrasts guaranteed assets with speculative investment returns. 08:29–09:26 – How policy loans provided liquidity and opportunity during the 2008 financial crisis. 09:26–10:28 – The importance of long-term thinking versus short-term liquidity concerns. 10:28–11:17 – Wade critiques the passive “set it and forget it” mindset around 401(k)s. 11:18–12:35 – The difference between arguing and genuinely wanting to learn. 13:46–14:58 – Wade answers the question: “What’s the biggest risk with whole life insurance?” 14:58–16:07 – The hidden cost of inaction and lost financial opportunity over time. 18:58–20:06 – Common financial results come from common financial behavior. 22:02–22:57 – “A confused mind takes no action” — Wade explains why education matters more than selling. /episode/index/show/wadeborth/id/41208220

Breaking Down the Truth About Whole Life Insurance & Infinite Banking 05/12/2026

Breaking Down the Truth About Whole Life Insurance & Infinite Banking Episode Summary In this episode of the Wade Borth Podcast, Wade Borth sits down with assistant Beth Reich to tackle one of the most common reactions people have when hearing about Infinite Banking and whole life insurance strategies: “This sounds like a scam.” Through an open and candid conversation, Wade explains why skepticism often comes from misunderstanding how whole life insurance works, the stigma surrounding insurance products, and the prevalence of financial misinformation online. He emphasizes that Infinite Banking is not a “get rich quick” scheme, but rather a long-term financial system built on discipline, intentionality, and education. The discussion explores the difference between empowerment and dependency in financial planning, how policy loans have existed since the 1800s, why mutual insurance companies operate differently from Wall Street-driven institutions, and how individuals can regain control over the financing function in their lives. This episode serves as both an introduction and a reality check for listeners curious about Infinite Banking, whole life insurance, and personal financial sovereignty. Links & Resources Keywords Infinite Banking, IBC, whole life insurance, financial education, financial freedom, policy loans, mutual insurance companies, personal finance, wealth building, cash flow, banking system, financial empowerment, skepticism, financial literacy, money mindset, long-term wealth, life insurance strategies, financial control, Wade Borth, policy cash value Episode Highlights 00:00–01:16 – Wade introduces the episode and explains the goal: addressing the “unasked questions” many listeners have about Infinite Banking and whole life insurance. 01:16–02:22 – Beth discusses how online comments often label the strategy as “a scam” or “too good to be true.” 02:22–04:23 – Wade explains that there is “no magic in this business, just a lot of magicians,” emphasizing transparency and financial empowerment. 04:23–06:17 – Wade explains that Infinite Banking requires intentionality, discipline, and understanding—not an “easy button.” 06:17–07:23 – Discussion about financial incentives and how money managers profit whenever money moves. 08:39–10:17 – Beth asks whether stigma around insurance products contributes to skepticism surrounding whole life insurance. 10:17–12:05 – Wade explains how mutual insurance companies operate for policyholders rather than shareholders. 12:05–13:25 – Wade breaks down the concept of paying premiums versus receiving a larger death benefit. 14:03–15:30 – Wade explains that whole life insurance is not an investment, but a professionally managed bond and real estate portfolio. 15:30–16:33 – The history of policy loans is discussed, dating back to 1848. 16:33–17:27 – Wade describes Infinite Banking as “the opposite of get rich quick”—a long-term wealth-building process. 18:15–19:06 – Wade discusses how people should evaluate whether a financial strategy truly serves their goals. 19:06–20:39 – Conversation about skepticism versus curiosity and the importance of open-minded learning. 22:21–24:48 – Discussion about how modern media amplifies both education and misinformation around financial concepts. 25:47–28:23 – Wade explains the historical origins of banking and references The Creature from Jekyll Island when discussing centralized banking systems. /episode/index/show/wadeborth/id/41208080

The Path of Money to create legacy 04/16/2026

The Path of Money to create legacy Summary What would happen if $5 million suddenly landed in your bank account today? Would it change your life for the better—or quietly destroy it? In this episode, Wade Borth explores a powerful and often overlooked truth: money doesn’t create success—it amplifies who you already are. Without the right mindset, habits, and financial framework, even large sums of money can disappear quickly, leaving families worse off than before. Through real-life experiences delivering multimillion-dollar life insurance checks, Wade reveals how lack of preparation—not lack of money—is the real problem. He introduces the concept of the “Path of Money”, a simple yet powerful framework to help families manage, grow, and protect wealth across generations. This episode is a call to action: stop avoiding money conversations and start building a financial legacy through intentionality, education, and family alignment. Links & Resources https://www.youtube.com/watch?v=xnrmblds0Jo https://www.youtube.com/watch?v=9jeNtlmvceM Keywords money mindset wealth building family legacy financial literacy inheritance planning life insurance path of money liquidity financial habits generational wealth stewardship financial education infinite banking personal finance discipline wealth psychology Episode Highlights 00:00–00:34 – The core question: What would you do with $5 million today? 00:34–01:02 – Why sudden wealth (like the lottery) often leads to negative outcomes 01:02–01:28 – The idea: money redistributes based on behavior, not luck 01:28–02:07 – The real issue: lack of systems and financial frameworks 02:07–02:45 – Life insurance payouts: real stories of wealth disappearing quickly 02:45–03:25 – Why money itself isn’t bad—it’s just a tool 03:25–04:00 – Misconception: “I don’t want to leave money to my kids” 04:00–04:42 – Introducing the Path of Money framework 04:42–05:18 – The danger of defaulting to spending without thinking 05:18–06:04 – The importance of a “liquidity bucket” before decisions 06:04–06:40 – Applying family values to financial decisions 06:40–07:22 – Money amplifies behavior: discipline vs. chaos 07:22–08:05 – Helping vs. handing money to the next generation 08:05–09:14 – Why money conversations must happen openly in families 09:14–10:22 – Teaching habits early: small lessons → lifelong impact /episode/index/show/wadeborth/id/40832130

The Secret Playbook Investors Use 03/24/2026

The Secret Playbook Investors Use 🎙️ Episode Summary Have you ever felt like everyone else is getting the best investment opportunities — except you? Market downturns happen. Crypto dips. Real estate deals surface. And somehow… you’re watching from the sidelines. In this episode, Wade Borth explains why. It’s not because others have a secret playbook. It’s not because you’re not smart enough. It’s not even about access. It’s about liquidity and framework. The difference between chaos and opportunity is often one thing: access to cash with a plan. Wade shares a client story about a disciplined saver who had built significant reserves — yet still felt financial pressure. The problem wasn’t a lack of money. It was a lack of clarity about how much was enough. Once they defined his burn rate and established a one-year liquidity target, everything changed. He didn’t just feel safe. He felt free. This episode is about building a structure that protects your family first — and gives you a permission slip to invest second. 🔗 Links & Resources 🔑 Keywords Liquidity Burn Rate Investment Framework Financial Certainty Cash Access Opportunity Investing Market Downturn Strategy Wealth Building Financial Freedom Permission Slip Investing Emergency Fund Strategy Scarcity vs Abundance Real Estate Investing Crypto Investing Financial Confidence 🔥 Episode Highlights 00:00–00:30 – Why it feels like everyone else gets the deals 00:00:46–00:01:08 – The difference between opportunity and chaos 00:01:26–00:01:50 – Why most people feel financial anxiety 00:02:06–00:02:26 – The two-step solution: security first, opportunity second 00:02:41–00:03:21 – Client story: disciplined saver with financial pressure 00:03:21–00:03:58 – Determining how many days of liquidity are enough 00:04:15–00:04:33 – Realizing he had twice the liquidity he needed 00:04:33–00:04:50 – The “permission slip” to invest 00:05:08–00:05:26 – Building investment criteria around personal values 00:06:19–00:06:37 – The life jacket analogy: protect first, prosper second 00:06:59–00:07:13 – When accumulation becomes clarity /episode/index/show/wadeborth/id/40368280

Dealing with cash panic 03/17/2026

Dealing with cash panic 🎙️ Episode Summary In this deeply personal episode, Wade Borth clarifies what he really means by “liquidity.” After releasing a previous episode on burn rate and days of liquidity, someone asked him a simple question: “What’s liquidity?” That question sparked this conversation. Liquidity isn’t jargon. It’s simple: Do you have enough cash — or access to cash — to sleep at night? Wade shares the story of being unexpectedly let go in 2009. The panic. The physical reaction. The scarcity mindset. And then the turning point — realizing he had access to cash through his policies. That access didn’t eliminate the problem. It eliminated panic. Liquidity bought him time. Time created clarity. Clarity allowed better decisions. This episode is about certainty in uncertain moments — and why accessible cash changes everything. 🔗 Links & Resources 🔑 Keywords Liquidity Cash Access Financial Certainty Emergency Funds Burn Rate Scarcity Mindset Financial Stress Income Loss Whole Life Policy Money & Peace of Mind Financial Anxiety Cash Flow Strategy Financial Resilience Wealth Strategy Decision-Making Under Pressure 🔥 Episode Highlights 00:00–00:29 – Recap of burn rate and liquidity conversation 00:00:50–00:01:29 – What liquidity actually means (no jargon) 00:01:29–00:01:52 – Stress, uncertainty, and unhealthy decision-making 00:02:35–00:03:58 – The day Wade was unexpectedly fired in 2009 00:03:58–00:04:37 – Physical reaction to income loss (panic mode) 00:05:16–00:05:37 – Joshua 1:9 and finding strength in uncertainty 00:06:13–00:06:35 – Calling the insurance company to check available cash 00:06:35–00:06:58 – Realizing he had 6–10 months of liquidity 00:07:58–00:08:17 – “Cash buys you time to breathe.” 00:08:33–00:08:53 – The two most important times you need liquidity 00:09:10–00:09:27 – Why everyone needs to know their liquidity number 00:10:07–00:10:25 – Turning crisis into growth through certainty /episode/index/show/wadeborth/id/40368135

Understanding Liquidity Days 03/10/2026

Understanding Liquidity Days 🎙️ Episode Summary In this episode, Wade Borth breaks down a powerful yet surprisingly simple framework to eliminate financial pressure: understanding your burn rate and calculating your days of liquidity. Instead of complex financial strategies, Wade focuses on clarity through simplicity. By knowing exactly how much you spend daily and how much accessible cash you have, you can determine how many days you could survive without income. This isn’t about budgeting. It’s about buying time. It’s about certainty. It’s about sleeping at night. Wade explains how most financial anxiety stems from not knowing your numbers — and how once you do, you can move from scarcity-based decisions to freedom-based decisions. 🔗 Links & Resources Email - wade@sagewealthstragey.com with the subject "Burn Rate" to get a copy of the spreadsheet & we can review it together. 🔑 Keywords Liquidity Burn Rate Financial Pressure Emergency Fund Cash Flow Savings Strategy Financial Clarity Money Mindset Financial Freedom Wealth Building Sequence of Investing Financial Security Personal Finance Certainty vs Scarcity Income Protection 🔥 Episode Highlights 00:00–00:34 – Why financial pressure keeps you up at night 00:00–01:02 – Simplicity creates clarity (not complexity) 00:02:28–00:03:06 – “Do I actually know my numbers?” 00:05:37–00:06:17 – Calculating your burn rate (Annual expenses ÷ 365) 00:06:38–00:07:14 – Why liquidity matters more than investments in a crisis 00:08:12–00:08:40 – Example: $78,000 liquid cash = 262 days of security 00:09:58–00:10:16 – Most people have less than 30 days of liquidity 00:10:54–00:11:15 – Setting a target: 365 days of liquidity 00:11:15–00:11:39 – Why freedom comes after certainty 00:11:55–00:12:14 – Making investment decisions from confidence instead of fear 00:13:09–00:13:28 – The key question: How many days can you survive without income? /episode/index/show/wadeborth/id/40367980

Think Long Range: The Real Lesson Behind Infinite Banking 03/02/2026

Think Long Range: The Real Lesson Behind Infinite Banking Episode Summary In this episode of The Wade Borth Podcast, Wade Borth and frequent guest David Zapata recap their experience attending the Nelson Nash Institute Think Tank in Birmingham, Alabama — a gathering of Infinite Banking Concept (IBC) practitioners focused on preserving Nelson Nash’s legacy and advancing financial education. Rather than discussing tactics alone, the conversation explores deeper themes revealed during the event: the human side of money, the importance of community, and why both financial professionals and clients struggle with the same three core challenges — loneliness, lack of systems, and absence of guidance. Wade and David unpack how Infinite Banking is not merely a financial product but a long-term transformation process centered on mindset, behavior, and intentional growth. The episode highlights the Think Tank’s central theme — “Think Long Range” — and explains why wealth building requires decades-long thinking, clarity of purpose, and continuous personal development. Listeners will gain insight into how financial strategies serve as tools — not goals — and why becoming your own banker is ultimately about becoming a more intentional leader in your financial life, family, and community. Links & Resources Connect with David Z - or at davidzapata@factumfinancial.com Connect with Wade - or at wade@factumfinancial.com *Can we attach this as a pdf? - and note if anyone wants the video accompanying the attached PDF, they should contact David Zhttps:// Keywords Infinite Banking Concept Nelson Nash Institute Think Long Range Becoming Your Own Banker Financial mindset Wealth building philosophy Liquidity strategy Whole life insurance strategy Community and coaching Financial education Private banking strategy Human behavior and money Financial leadership Long-term thinking Generational wealth Financial systems and processes Personal development Wealth psychology Financial independence Money mindset transformation Episode Highlights 00:10–01:17 - Introduction and purpose of the Nelson Nash Institute recap 01:17–03:01 - What the Think Tank is and why practitioners gather annually 03:01–04:55 - Community vs. groupthink: learning through diverse perspectives 04:55–07:07 - Infinite Banking as mindset, process, and properly structured product 07:07–08:44 - Two conversations happening simultaneously: professionals and clients 08:44–10:32 - Liquidity as the root financial problem most people face 10:32–13:19 - The three shared pains of agents and clients: loneliness, systems, guidance 13:19–15:11 - Human behavior as the true obstacle in financial success 15:11–18:17 - Why coaching and community accelerate financial confidence 18:17–21:17 - “Think Long Range” and the transformation behind becoming your own banker 21:17–24:51 - Long-term relationships vs transactional financial advice 24:51–26:59 - Generational thinking and building financial foundations that last decades 26:59–28:48 - Infinite Banking as a bridge to life goals — not the goal itself 28:48–31:01 - Focusing on vision instead of financial tools and mechanics 31:01–34:10 - Personal reflections and growth through industry experience 34:10–36:28 - Improving client conversations through empathy and curiosity 36:28–38:18 - Confirming progress while recognizing room for growth 38:18–41:04 - Sequencing financial decisions and avoiding premature strategies 41:04–44:44 - Final takeaway: becoming the “chess master” of your financial life /episode/index/show/wadeborth/id/40223635

Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 3 02/10/2026

Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 3 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 future of financial advice isn’t about replacing the advisor — it’s about elevating them. Episode Highlights 00:15:50 - Evolution of Industry Conversations. 00:03:18 - Addressing Industry's Adversarial Past. 00:03:52 - Life Insurance and Cash Value Benefits. 00:04:41 - Asset Flow: Evaluating Investment Synergy. 00:06:39 - Painting a Picture of Financial Sacrifice. 00:09:02 - The Importance of Asking the Right Questions. 00:11:49 - Balancing Technology with Human Insight. 00:13:25 - Challenges of AI in Financial Advice. 00:13:37 - Importance of Mentorship in Industry. 00:13:38 - Mentorship's Role in Leveraging Experience. Episode Resources Guest Name Todd LangfordGuest Emailtlangford@truthconcepts.com Additional guest David Zapata davidzapata@factumfinancial.com Keywords Wade Borth Podcast smart ideas new opportunities money management financial independence investment strategies insurance industry real estate vs stock market holistic financial planning rate of return asset flow cash value life insurance distribution phase financial software financial calculators AI in finance investment biases financial advising financial conversation client confidence financial mentorship financial industry evolution interest rates financial context financial education /episode/index/show/wadeborth/id/39880475

Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 2 02/03/2026

Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 1 01/27/2026

Why Financial Decisions Aren’t About Math (And Why Small Changes Matter) - PART 1 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. 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 /episode/index/show/wadeborth/id/39880210

The Retirement Crisis Nobody Wants to Talk About 01/21/2026

The Retirement Crisis Nobody Wants to Talk About 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 a magic age. He outlines alternative strategies for building long-term certainty, including using properly structured whole life insurance as a savings environment, a legacy transfer tool, and a way to maintain financial privacy and control. If you’re rethinking what retirement should actually look like, this episode offers a refreshing framework and a more strategic path forward. Episode Highlights 00:00:25 - Retirement crisis: Americans' shocking savings. 00:01:09 - Passive income vs. traditional retirement. 00:02:07 - Running towards fulfillment, not away from work. 00:03:35 - Strategic planning for inheritance and wealth transfer. 00:05:05 - Conversation on financial legacy with life insurance. 00:06:11 - Hesitation of younger generations to lock money away. 00:08:04 - Alternatives to traditional retirement savings vehicles. 00:09:05 - Scary statistics on Americans' retirement savings. 00:10:08 - Saving 10-30%: Importance and alternatives. 00:11:14 - Whole life insurance as a strategic financial tool. Episode Resources Keywords Wade Borth podcast financial freedom American retirement crisis passive income financial abundance life insurance inheritance planning tax-free benefits retirement vehicles retirement savings savings vehicles investment plans 401k alternative investments whole life insurance financial planning strategies retirement benchmarks income growth financial independence risk tolerance certainty in investments strategic saving /episode/index/show/wadeborth/id/39803870

The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 2 01/06/2026

The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 2 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, showing how business owners can reduce friction, improve efficiency, and stop leaking dollars over time. If you want a clearer understanding of how insurance, liquidity, and long-term wealth strategy work together, this episode delivers the practical insight. Episode Highlights 00:00:38 - Impact of COVID on businesses. 00:02:12 - Insurance challenges during COVID pandemic. 00:04:50 - Holistic approach to client financial strategies. 00:07:04 - Introduction to Boss Financial Group. 00:07:52 - Unique offering: Financial Foursquare system. 00:08:52 - Clarity and communication build trust. 00:09:31 - Importance of financial education. 00:10:32 - Leveraging team expertise for freedom. 00:12:54 - Role of comprehensive business valuation. 00:15:11- Distinguishing price from value in insurance. Episode Resources Keywords Wade Borth podcast financial partners collaboration Suzanne White financial team multiple use of dollars COVID impact business preparedness insurance coverage SBA links financial planning property and casualty nonprofits Financial Foursquare business owner solution strategies BOSS Financial Group asset protection business valuation leverage advisor expertise commission-based services commercial property and casualty relationship business financial clarity business legacy trust in advisors /episode/index/show/wadeborth/id/39577405

The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 1 12/31/2025

The Overlooked Foundation of Business Wealth: Insurance and Liquidity with Suzanne White: Part 1 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 /episode/index/show/wadeborth/id/39577025