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.
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The 8 Benefits of Whole Life Insurance (Part 1)
06/03/2025
The 8 Benefits of Whole Life Insurance (Part 1)
In this episode of The Wade Borth Podcast, Wade kicks off a two-part series diving deep into the eight powerful benefits of whole life insurance. From guaranteed death benefits and constant compounding to unmatched liquidity and flexible loan provisions, Wade breaks down how this often-misunderstood asset can bring certainty, control, and long-term value to your financial life. If you've ever questioned the real purpose of whole life insurance—or just want to think differently about money—this episode is for you Episode Highlights 03:12 - Life insurance: guarantees and certainty 06:04 - The “liquidity contract” concept explained 08:23 - The advantage of constant cash value increase 11:18 - Understanding bank strategies: savers vs. borrowers 14:07 - Power of liquidity in whole life insurance 16:54 - The flexible loan provisions benefit 19:00 - Importance of treating your own money well Episode Resources Connect with Wade Borth
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Common Thinking vs. Uncommon Strategy
05/20/2025
Common Thinking vs. Uncommon Strategy
In this episode of The Wade Borth Podcast, Wade tackles the common misconceptions surrounding whole life insurance—addressing why so many people claim it has a low return, is too expensive, or is the “worst investment of all time.” He explains why these beliefs are often rooted in misinformation or biased experiences, and reframes whole life as a savings tool, not an investment. If you're seeking clarity, consistency, and long-term financial control, this conversation offers a fresh, honest perspective that cuts through the noise. Episode Highlights 00:22 - Whole life insurance myths. 01:04 - Common criticism: Low return. 02:11 - Opinion formation: Experience vs. Learning. 03:12 - Whole life as a tool. 04:55 - Misconceptions on whole life returns. 05:50 - Savings vs. investments comparison. 07:38 - Benefits of a consistent savings environment. 08:57 - Whole life providing financial certainty. 09:17 - Misunderstanding whole life as investment. 11:44 - Contextualizing costs and value. 13:12 - Value perspective on expenses. Episode Resources Connect with Wade Borth
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Understanding the Flow of Money
05/06/2025
Understanding the Flow of Money
In this episode, Wade breaks down a clear, straightforward process that’s helping clients rethink how they manage money. From understanding income flow to building savings and making better financial decisions, this conversation reveals why the right sequence matters—and how whole life insurance can play a foundational role. Whether you're just getting started or looking to regain control, this episode lays the groundwork for building clarity, confidence, and long-term stability. Episode Highlights 01:00 - Understanding the Flow of Money 01:35 - Simplifying Financial Decisions with Gary Keller 02:51 - Wealthy Decision-Making Processes 04:15 - Impact of Lack of Liquidity on Businesses 05:58 - Importance of Savings Strategy 08:34 - Proper Sequencing for Financial Management 10:45 - Liquidity and Financial Pressure 11:19 - Long-term Impact of Defined Benefit Strategy Episode Resources Connect with Wade Borth
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The #1 Lie You’ve Been Told About Whole Life Insurance
04/29/2025
The #1 Lie You’ve Been Told About Whole Life Insurance
In this episode of the Wade Borth Podcast, Wade dives into the power of mutual insurance companies and why ownership matters. He breaks down common misconceptions about life insurance, highlights the difference between mutual and stock companies, and explains how clarity, certainty, and long-term thinking can relieve financial pressure. If you are seeking more control, freedom, and security in your financial life, this conversation is for you. Episode Highlights 00:21 - Clarifying financial misconceptions. 01:29 - Empowering people through mutual insurance. 02:29 - Why mutual insurance companies benefit policyholders. 03:45 - Historical roots of mutual insurance companies. 04:48 - Difference between mutual and stock insurance companies. 07:10 - Long-term focus of mutual companies vs. short-term of stock. 09:41 - Certainty and exit strategy with whole life insurance. 11:01 - Venture capital influence on stock insurers. 12:10 - Dividends vs. Wall Street-driven interests. 13:52 - Importance of understanding your insurance products. 14:46 - Encouragement for thoughtful financial discussions. Episode Resources Connect with Wade Borth
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Cash is King: Mastering Money Flow
04/22/2025
Cash is King: Mastering Money Flow
In this episode, Wade unpacks what the recent stock market downturn—and how Warren Buffett’s surprising moves—can teach us about how the wealthy think. As the market sees sharp declines and uncertainty rises, Wade reminds us that true opportunity lies in preparation, not prediction. It’s not about chasing returns—it’s about having savings in safe, liquid places so you can act when others hesitate. This episode is a powerful mindset shift for anyone looking to gain clarity, control, and a long-term advantage in turbulent times. Episode Highlights 01:22 - Observing Buffett’s strategic moves. 03:39 - Market turbulence and investor sentiment. 05:57 - Buffett’s selling strategy explained. 06:52 - The underestimated value of liquidity. 08:51 - Difference between saving and investing. 09:52 - Strategic patience and investment timing. 10:47 - The power of financial discipline. 12:01 - Thinking like wealthy individuals. 13:04 - Importance of readiness for opportunity. Episode Resources Connect with Wade Borth
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Planning Beyond Retirement with Kent Kraiter
04/08/2025
Planning Beyond Retirement with Kent Kraiter
In this episode of the Wade Borth Podcast, Wade sits down with Kent Kraiter—a long-time client, friend, and newly minted colleague. With over 30 years of military service and a deep curiosity for financial education, Kent shares his personal journey from soldier to servant-leader in the world of personal finance. They dive into life transitions, financial empowerment, the importance of planning beyond retirement, and how curiosity and clarity can pave the way to a more abundant future. If you're navigating change or searching for a deeper sense of purpose, Kent’s story will resonate. Episode Highlights 02:00 - Kent’s Military Background. 04:09 - Discovering the Air National Guard. 06:59 - Introduction to Financial Independence. 10:36 - Curiosity and Lifelong Learning. 17:23 - Embracing Change Post-Military Life. 25:00 - The Whisper of Financial Pathways. 35:05 - The Importance of Looking Beyond Retirement. 39:30 - Serving Through Financial Education. 46:45 - Planning for Life After Retirement. 52:40 - Empowering Through Conversations. . Episode Resources Connect with Wade Borth Connect with Kent Kraiter
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From Kicking in Doors to Unlocking Financial Freedom with Brian Fleming
04/01/2025
From Kicking in Doors to Unlocking Financial Freedom with Brian Fleming
In this episode, Wade Borth sits down with former police officer turned IBC advocate Brian Fleming. Brian shares his journey from 25 years in law enforcement to discovering the Infinite Banking Concept and returning to the financial world with a mission to serve. Together, they explore how control, financial education, and a properly structured whole life policy can transform lives—especially for those in high-risk professions like law enforcement and for real estate investors seeking smarter ways to fund their ventures. It's a powerful conversation about truth, stewardship, and taking ownership of your financial future. Episode Highlights 05:55 - Transition from law enforcement to insurance 06:59 - Infinite banking discovery through real estate 10:17 - Misconceptions about life insurance 13:48 - Importance of understanding financial truths 16:44 - Application of infinite banking in real estate 19:27 - Success story of shifting to hard money lending 21:33 - Saving a project with life insurance liquidity 25:14 - Importance of continuous financial education . Episode Resources Connect with Wade Borth Connect with Brian Fleming
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Money Mindset Revolution with Joshua Smith
03/18/2025
Money Mindset Revolution with Joshua Smith
In this episode of the Wade Borth Podcast, Wade sits down with Joshua Smith, a former real estate investor turned financial strategist. Josh shares his journey through the 2008 financial crisis, the lessons he learned about debt, liquidity, and financial control, and how he transitioned from traditional financial advice to Infinite Banking. They discuss the pivotal moments that reshaped his mindset, the benefits of whole life insurance as a financial tool, and how he now helps others take control of their financial future. Tune in for a deep dive into financial resilience, long-term wealth strategies, and the power of financial education. Episode Highlights 22:32 - Job loss: financial safety net. 24:31 - Family legacy. 25:25 - The importance of financial education. 31:36 - Opportunities from having liquidity. 37:00 - Saving vs. investing distinction. . Episode Resources Connect with Wade Borth Connect with Joshua Smith
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Tough Money Series with David Zapata: Part 4
02/04/2025
Tough Money Series with David Zapata: Part 4
In the final installment of the Tough Money series, Wade Borth and David Zapata conclude their deep dive into building a resilient financial strategy. This episode focuses on aligning your investments with your values, understanding risk, and achieving financial freedom through intentional planning. Learn how liquidity serves as the foundation for managing risk and explore the critical balance between savings and investments. Wade and David also discuss strategies for setting freedom numbers, navigating risk, and creating a framework for long-term financial health. Don’t miss this powerful conversation that ties together the principles of the Tough Money curriculum. Episode Highlights 08:03 - Snorkel vs. deep dive into financial awareness. 10:53 - Income strategy: Cash flow vs. accumulation. 18:08 - Classifying investments: Short-term, mid-term, and forever. 21:14 - Risk, returns, and noise in asset management. 24:27 - Conversation on defining and managing risk. 30:10 - Liquidity as a hedge against risk. 32:14 - Importance of a balanced financial portfolio. 35:10 - Flexible curriculum for financial education. Episode Resources Connect with Wade Borth Connect with David Zapata
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Tough Money Series with David Zapata: Part 3
01/28/2025
Tough Money Series with David Zapata: Part 3
In part three of the Tough Money series, Wade Borth and guest David Zapata explore the vital role of liquidity in building financial resilience. They discuss why having liquid, safe assets is foundational to weathering life’s challenges and seizing opportunities. From understanding what truly counts as liquidity to calculating your "days of liquidity," this episode offers practical insights to align your finances with your values and create a robust financial foundation. Don’t miss this crucial conversation, and stay tuned for part four, where they’ll dive into investments and their relationship with liquidity! Episode Highlights 04:10 - The vital role of liquidity. 05:06 - Foundation is key to financial health. 07:20 - Smart Money’s focus on reserves. 10:49 - Liquidity vs. perceived liquidity. 13:44 - Days of liquidity: a vital metric. 17:18 - Evaluating your savings environment. 21:08 - Tough money and antifragility. 23:00 - Smart money’s approach to liquidity. 25:36 - Balance between cash and investments. Episode Resources Connect with Wade Borth Connect with David Zapata
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Tough Money Series with David Zapata: Part 2
01/21/2025
Tough Money Series with David Zapata: Part 2
In part two of the Tough Money series on the Wade Borth Podcast, Wade and guest David Zapata continue their exploration of building financial resilience by diving into debt strategies. They discuss how to evaluate your relationship with debt, classify it effectively, and make intentional decisions aligned with your values and goals. This episode provides practical insights for creating a thoughtful financial framework, whether you're managing personal or business finances. Don’t miss this engaging conversation, and stay tuned for part three, where they’ll explore liquidity and investments! Episode Highlights 01:06 - Relationship and exercise analogy with money. 01:35 - Luck or strategic financial decisions. 03:32 - Change as a constant factor in financial management. 06:06 - Rethinking debt and financial education nuances. 08:03 - Understanding debt-to-income ratio (DTI). 10:02 - The importance of aligning spending with values. 12:57 - High-income earners and lifestyle financing challenges. 19:26 - Hierarchy and strategic use of debt. 23:33 - Becoming your financial auditor for better management. Episode Resources Connect with Wade Borth Connect with David Zapata
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Tough Money Series with David Zapata: Part 1
01/14/2025
Tough Money Series with David Zapata: Part 1
In this episode of the Wade Borth Podcast, Wade is joined by frequent guest and colleague David Zapata of Factum Financial to delve into the concept of "Tough Money." They explore the importance of building a stronger, more resilient relationship with your finances by addressing foundational habits, improving financial awareness, and preparing for life’s unexpected events. David shares insights from the Tough Money Workbook, breaking down actionable strategies to help you take control of your financial future. Tune in for practical advice and thought-provoking discussion, and stay tuned for part two, where they’ll tackle debt strategies. Episode Highlights 05:16 - One plus one equals 11 philosophy. 07:46 - Lack of close relationships with money. 09:13 - Concept of “anti-fragility.” 12:44 - Events that impact money management. 14:41 - Financial pressure as strength. 17:50 - Financial management and tough money. 19:57 - Exercise to track income and expenses. 21:47 - Importance of savings rate. Episode Resources Connect with Wade Borth
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Why Do We Want Policies on our Kids
12/10/2024
Why Do We Want Policies on our Kids
In this episode of The Wade Borth Podcast, Wade tackles a common question: "Should I take a life insurance policy out on my child?" Wade dives deep into the Infinite Banking Concept (IBC), explaining the benefits of starting policies early, teaching financial stewardship, and ensuring guaranteed insurability. He also addresses misconceptions, explores the importance of a family banking system, and shares insights on maintaining control of policies. Whether you're new to IBC or a seasoned listener, this episode is packed with valuable insights for building generational wealth. Tune in, learn, and take the first step toward financial freedom. Episode Highlights 01:39 - Should I take a policy out on my child? 03:37 - Teaching financial habits through child policies. 06:06 - Grieving a child’s loss: the financial impact. 09:04 - Insuring children for guaranteed insurability. 11:31 - Family banking system and life insurance. 15:04 - Children learning through policy ownership. 18:51 - Retaining policy ownership within the family. 25:17 - Planning for the next generation’s financial freedom. Episode Resources Connect with Wade Borth
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Taking Control of Debt
12/03/2024
Taking Control of Debt
In this episode, Wade dives into real-life examples of how clients have harnessed the Infinite Banking Concept (IBC) to take control of their finances and create opportunities. From tackling credit card debt and financing real estate purchases to building cash reserves for business growth, Wade shares inspiring stories of clients who transformed their financial lives by redirecting the flow of money back to systems they own and control. Learn how IBC empowers individuals to eliminate dependency on traditional banks, unlock hidden opportunities, and build long-term financial freedom. Tune in to discover how this powerful strategy can work for you! Episode Highlights 01:43 - Concept of Taking Control Over Debt 03:34 - Six-Year Journey to Debt Control 04:59 - Premiums as a Gateway to Freedom 05:51 - Using Policies to Finance a Vacation Home 08:31 - Seizing Opportunity with Raw Land 12:00 - 2008 Real Estate Opportunity in Las Vegas 16:47 - Maximizing Retirement Benefits 19:19 - Retaining Key Employees and Accessing Capital 22:16 - Entrepreneurial Resilience During COVID 23:32 - Infinite Banking’s Flexibility Episode Resources Connect with Wade Borth
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Unlocking Guaranteed Credit with David Zapata
09/10/2024
Unlocking Guaranteed Credit with David Zapata
Today, Wade welcomes back one of his favorite guests, David Zapata, to discuss the critical value of unstructured loans and guaranteed lines of credit within the Infinite Banking Concept (IBC). They dive into real-life examples, including Wade's personal experience during the 2008 financial crisis and a recent story from one of David's clients. The conversation emphasizes the importance of controlling your own access to capital, rather than relying on third-party lenders who may pull the plug at any time. This episode is a must-listen for anyone interested in understanding how to secure financial certainty in uncertain times. Episode Highlights 01:37 - David Zapata shares his insights on guaranteed lines of credit through whole life insurance. 03:29 - The limited view of borrowing from insurance and its broader benefits. 04:43 - Explanation of life insurance company commitments and guarantees. 06:06 - The three guarantees of whole life insurance explained. 09:09 - The irreplaceable value of guaranteed cash growth. 13:00 - How life insurance companies act as custodians of policy value. 17:02 - Managing access to money versus owning access to money. 19:57 - Discussion on the importance of context and setup in financial planning. 21:59 - Example of a real situation where guaranteed access to capital through whole life insurance made a difference. 23:50 - Practical implications of losing bank-provided lines of credit unexpectedly. 27:45 - Importance of planning and staging of financial resources. 29:32 - Announcement of the upcoming wealth seminar in Scottsdale. Episode Resources Connect with Wade Borth Connect with David Zapata
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Unlocking Economic Value Added: A Deep Dive into Maximizing Your Capital
09/03/2024
Unlocking Economic Value Added: A Deep Dive into Maximizing Your Capital
In this episode of the Wade Borth Podcast, he dives deep into the concept of Economic Value Added (EVA), a topic that Nelson Nash highlighted in his book Becoming Your Own Banker. EVA is often misunderstood, but it's crucial for anyone looking to maximize the value of their capital. Wade explores a key 1993 Fortune magazine article that discusses how major companies like Coca-Cola and Quaker Oats utilized EVA to drive profitability. Join Wade as he breaks down the principles of EVA, its relevance to personal finance, and how understanding the true cost of your capital can lead to better financial decisions. Episode Highlights 00:24 - Nelson Nash mention - Introduction to Economic Value Added (EVA). 01:02 - Fortune Magazine article - Highlighting the 1993 article by Shawn Tully. 02:02 - Key quote from Nelson - “EVA’s basic premise is, if you understand what’s really happening, you’ll know what to do.” 04:58 - Use of capital - Different interpretations of capital’s value and return. 07:41 - EVA in practice - Managers acting like shareholders. 12:10 - Real profitability - Importance of measuring real profitability of operations. 12:51 - Cost of capital overlooked - Emphasis on recognizing the full cost of capital. 13:59 - Example from CSX - Success through understanding and utilizing EVA. 18:17 - Banks and capital returns - Comparison of banks understanding and getting returns on their capital. 20:22 - Financial statement gap - Missing equity cost in financial statements. 22:59 - Real estate example - Miscalculating profitability by excluding capital costs. 27:03 - Efficiency in assets - Illustration through CSX’s unutilized resources. 32:56 - Importance to individuals - Treating personal capital with the same seriousness as businesses do. 35:48 - Practical approach - How to apply EVA principles in personal finance. 39:46 - Quaker case study - Realizing the non-free nature of inventories/capital. 43:34 - Main takeaway - Understanding what is really happening to make informed financial decisions. 44:05 - Nelson Nash’s legacy - Emphasis on controlling the banking function at an individual level. Episode Resources Connect with Wade Borth
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What Happens When the Unexpected Happens
08/27/2024
What Happens When the Unexpected Happens
Today's episode brings a little bit of sadness as Wade shares a deeply personal story about the unexpected loss faced by a client, highlighting the importance of life insurance in times of crisis. He discusses how life insurance can provide financial certainty and peace of mind during the most vulnerable moments in life. Wade reflects on the value of planning ahead and how life insurance serves as a critical resource, not just for the living, but for those left behind. Tune in as he explores the real impact of being prepared for the unexpected and why it's a vital conversation for everyone. Episode Highlights 00:28 - Abandoning initial podcast topic due to client experience. 00:52 - Client’s unexpected loss: husband did not return from hospital. 01:35 - True value of life insurance during clients’ most difficult times. 02:01 - Insurance agent’s role in supporting clients. 02:18 - Insight from One America president Dennis Martin. 02:43 - Contrasting insurance companies vs. money managers during crises. 03:52 - Life insurance alleviates financial burden amid grief. 04:45 - Appreciation for the life insurance industry. 05:04 - Importance of planning and its impact on financial certainty. 06:04 - Real-life example of unforeseen scenarios. 06:27 - Emotional and financial support provided by life insurance. 08:14 - Encouragement to have enough life insurance coverage. Episode Resources Connect with Wade Borth
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Mastering Infinite Banking: Steps to Financial Freedom
08/13/2024
Mastering Infinite Banking: Steps to Financial Freedom
In this episode, Wade continues the conversation on starting the Infinite Banking Concept (IBC) by diving deeper into the critical steps beyond understanding the problem. Many people mistakenly begin with the product rather than addressing the foundational issues first. Wade emphasizes the importance of finding a knowledgeable practitioner, establishing a solid process, and selecting the right tools to achieve financial freedom. Listen in as Wade shares his insights, experiences, and practical advice to help you take control of your financial future. Episode Highlights 01:10 - Importance of understanding the problem. 02:40 - Noise in the industry - starting with step 4. 04:40 - The role of a good practitioner. 05:45 - Learning from mistakes. 06:55 - Empathy and empowerment over control. 08:00 - Building a like-minded community. 09:40 - Importance of surround yourself with supportive people. 11:10 - Review of important first steps. 12:00 - Clear communication with your practitioner. 12:55 - Setting up the correct process for policy loans. 15:20 - Respecting your family bank's money. 17:30 - Ensuring your process guarantees success. 18:20 - Common issue: Step 4 focus. 19:50 - The right product is just a tool. 22:05 - Using the right tool for the problem. Episode Resources Connect with Wade Borth
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Putting Together The Puzzle Pieces of IBC
08/06/2024
Putting Together The Puzzle Pieces of IBC
In today's episode, Wade dives into the Infinite Banking Concept, exploring the intricacies and processes that often leave people puzzled. He emphasizes the importance of understanding the proper sequence in becoming your own banker and shares insights from his discussions with business coach Tammy Brennan. Wade explains why it's crucial to grasp the problem of not controlling the banking function in our lives and how identifying and addressing this issue can lead to financial freedom. Tune in to learn about the four-step process to take control of your financial future and the true power of becoming your own bank. Episode Highlights 02:34 - Defining Infinite Banking. 05:52 - Importance of Process and Sequence. 10:04 - First Step in Infinite Banking: Understanding the Problem. 13:19 - The Role of Banks: Saver, Borrower, and Wealth Creator. 15:40 - Banking as a Verb, Not a Noun. 18:58 - The “Magic” of Banking: Why Banks Love Both Savers and Borrowers. 22:50 - Concept of Wealth Creation. 29:08 - Becoming Your Own Bank. 31:40 - The Legacy of a Wealth Creator. 34:52 - Practical Steps to Implement Infinite Banking. Episode Resources Connect with Wade Borth
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2024 Think Tank Takeaways - Part Two
07/23/2024
2024 Think Tank Takeaways - Part Two
In today's episode, Wade continues his discussion on key takeaways from the Nelson Nash Institute's annual Think Tank. He shares a compelling client story about understanding the importance of choosing the right product for Infinite Banking, the differences between Whole Life and Universal Life policies, and why Whole Life is the cornerstone for those practicing Infinite Banking. Join Wade as he dives into these crucial insights to help you take control of your financial future. Episode Highlights 01:02 - Story of client inquiry into IBC. 01:43 - Product vs. human problem in financial decisions. 02:11 - Whole life vs. universal life insurance explained. 05:15 - Risks of universal life insurance. 08:40 - Personal experience with insurance mismanagement. 10:30 - Consequences of interest rate assumptions failing. 12:11 - The importance of long-term financial strategies. 15:38 - Potential risks in policy lapses. 17:04 - Need for practical guarantees in financial products. Episode Resources Connect with Wade Borth
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2024 Think Tank Takeaways
07/18/2024
2024 Think Tank Takeaways
Fresh off of the return from IBC Think Tank, Wade shares his thoughts and takeaways of the event. This unique gathering is a must-attend for IBC practitioners and anyone interested in exploring the concept of Infinite Banking. He shares key takeaways and insights from the event, starting with a profound realization: "Premium is a contribution to capital." Join Wade as he unpacks this and more, aiming to provide valuable content for those who want to understand becoming their own banker. Episode Highlights 01:57- Rethinking your thinking. 04:11 - Two businesses: a back-and-forth exchange of time and money. 04:36 - Importance of recognizing you're in the banking business. 05:55 - Contribution to capital explained. 07:00 - Understanding the problem and seeing premium as the solution. 08:11 - Capital: necessary for both business and personal life. 09:39 - Premium as a contribution to capital. 11:13 - Saving and reliance on banks. 12:57 - Control through capital contribution. 14:06 - Avoiding frustration and potholes. 16:59 - Long-term commitment and building a personal financing system. Episode Resources Connect with Wade Borth
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Financial Fortitude: Unveiling the Power of Whole Life Insurance & Infinite Banking with Curtis May
04/23/2024
Financial Fortitude: Unveiling the Power of Whole Life Insurance & Infinite Banking with Curtis May
Joining Wade today is friend Curtis May where they discuss the power of whole life insurance and infinite banking strategies. Discover how whole life policies offer guaranteed benefits and find out how to leverage these strategies for personal and business success. Tune in for valuable insights on building wealth, managing risk, and maximizing financial potential! Episode Highlights 03:36 - Their shared passion for infinite banking and the insights they gain from attending the industry symposium Circular Wealth. 23:38 - Curtis talks about two schools of financial thought: the accumulation theory and the velocity method, advocating for the latter as it emphasizes the velocity of money and the economic value of certainty. 29:12 - Curtis outlines his investment philosophy and his preference for investing in what is known and can be controlled, with a focus on cash flow rather than chasing returns. 33:15 - Wade and Curtis discuss leveraging whole life insurance policies for business purposes, highlighting how it can serve as a volatility buffer and offer advantages like collateral opportunities and uninterrupted compound interest. 45:46 - The conversation turns to business owners and the financial advice that should be tailored to their unique position, separate from advice given to W-2 employees. 52:13 - Wade and Curtis highlight the necessity of discipline, time, and money to achieve financial success with the infinite banking concept, and discuss the importance of becoming the person who can utilize these tools effectively. Episode Resources Connect with Wade Borth Connect with Curtis May
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Exploring the Infinite Banking Concept with Jubril Wilson
04/09/2024
Exploring the Infinite Banking Concept with Jubril Wilson
Today, Jubril Wilson, realtor and investor, joins Wade to explore the Infinite Banking Concept (IBC) for financial freedom. Discover practical tips on real estate, leveraging whole life insurance, and embracing abundance mindset. Learn the importance of networking and taking control of your financial destiny. Tune in and start your journey to financial empowerment now! Episode Highlights 01:30 How Jubril helps Realtors in the current market situations 03:23 How his mindset changed from frivolous spending to investing in infinite banking 05:02 The concept of "Pathing" (or sequencing) and how it has led Jubril to learn new financial strategies 06:45 The importance of financial efficiency and mention of their podcast series that breaks down each chapter of Nelson’s book on the Infinite Banking Concept 09:51 How Jubril’s thought process has changed since implementing the infinite banking concept in his life 13:51 Real-life examples of how Jubril has leveraged the infinite banking concept to manage finances more efficiently 19:22 The concept of a 'think tank' with practitioners from various fields coming together to discuss worldwide happenings and industry changes 21:21 The debate on life being a "participation sport" not a "spectator sport" and that it is essential to get involved and start participating proactively 22:36 The comment from a Citibank's head on who controls the dollars and the advice on how the difference between chaos and opportunity is who has access to money 23:03 How a consumer can avoid being reactive and take advantage of chaos if they saved enough money and had better control over their finances Episode Resources Connect with Wade Borth Connect with Jubril Wilson
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Harnessing Financial Freedom with Nicole Tate
04/02/2024
Harnessing Financial Freedom with Nicole Tate
Join Wade and returning guest Nicole Tate as they delve into the empowering world of family banking and legacy building. Through their insightful discussion, they uncover the transformative potential of creating a closed financial system that puts you in control. Discover how to leverage policies, generate wealth, and secure a legacy that transcends generations. Don't miss out on this enlightening conversation that could reshape your financial future. Episode Highlights 03:56 The process of using insurance policies for family banking 10:19 Separating uncertainty on the investment side from certainty on the capitalization side 16:14 The two choices people have: Creating their own financial system versus depending on others 18:26 The importance of instilling saving habits in the next generation as part of wealth and legacy building 19:41 Building a non-traditional home as an example of gradual progress toward a vision 20:11 Seeing your money grow and putting it to work in the system Episode Resources Connect with Wade Borth Connect with Nicole Tate
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Experience Empowerment
03/26/2024
Experience Empowerment
Join Wade as he dives into the journey of understanding the Infinite Banking Concept (IBC) through vivid reflections on sunrises, sunsets, and moonlit lakes. Discover how moving from passive understanding to active engagement unlocks a newfound sense of freedom and control over finances. Explore firsthand accounts and insightful anecdotes that illuminate the emotional depth behind financial literacy and personal growth. Episode Highlights 01:40 How experiencing something, rather than just seeing it, connects you with your inner emotions and soul, which cannot be achieved via merely seeing something 02:13 The irreplaceable nature of personal experiences 02:38 The concept of Infinitive Banking Concept (IBC) and the importance of experiencing it before understanding its real impact 04:02 How to engage with IBC and experience the unique aspect of freedom it provides 05:29 The importance of family banking Episode Resources Connect with Wade Borth
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Unlocking Abundance: The Journey of Infinite Banking with Shala Lamboy
03/19/2024
Unlocking Abundance: The Journey of Infinite Banking with Shala Lamboy
In this episode, Wade welcomes his dear friend and fellow agent Shala Lamboy, to discuss the journey of infinite banking. Shala shares her early experiences with money, including insights gained from working with successful entrepreneurs and witnessing the wealthy's unique mindset towards finances. Together, they delve into the concept of infinite banking and how it offers a strategic approach to saving and wealth-building. Shala's personal anecdotes, including her family's intentional approach to travel, highlight the importance of aligning financial strategies with personal values. Join Wade and Shala as they explore the power of intentionality in achieving financial abundance. Episode Highlights 02:29 - Shala shares her passion and interest in money and how this has shaped her financial journey. 13:37 - Shala recounts her personal journey in applying the principles of infinite banking in her life, particularly with regard to finance availability for activities like traveling. 19:29 - The importance of engagement and education before undertaking any endeavor, financial or otherwise, is highlighted. 34:11 - Discussing the regret that many people have when they realize the potential of intentional saving and infinite banking. They encourage listeners to take action, get educated and start being intentional about their money. 38:38 - Her advice to listeners is to create a life they love and find out what's missing if their current life doesn't reflect that. She adds that learning the infinite banking process and being intentional about finances can aid in creating a life of abundance. Episode Resources Connect with Wade Borth Connect with Shala Lamboy
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Unlocking Financial Freedom: Navigating Mortgages with Matthew Shanlian
03/05/2024
Unlocking Financial Freedom: Navigating Mortgages with Matthew Shanlian
Today, Wade welcomes special guest Matthew Shanlian, a seasoned professional in the real estate and mortgage business. They dive into the complexities of the mortgage industry, exploring topics such as industry events like Circle of Wealth, the ongoing changes in interest rates, and the persistent shortage of available housing. Matthew shares insights from his extensive experience, emphasizing the importance of understanding clients' financial goals and providing tailored solutions. Tune in for a thought-provoking discussion on navigating the mortgage landscape and making informed decisions for a secure financial future. Episode Highlights 02:56 The housing market’s current situation and how all of this is impacting the mortgage industry 04:45 The importance of not being mere order takers, but probing to understand the real needs and desires of the clients 08:05 The need for giving sound advice to clients and the importance of saying no when necessary 14:53 The value of having control over your money and the advantages of having a small mortgage payment 18:00 The potential risks associated with paying a 15-year mortgage like a 30-year mortgage 20:46 A story of a person who followed a radio host's advice and faced hardships due to the lack of financial flexibility and a resulting inability to manage an unexpected situation 27:45 The importance of focusing on mortgage payments instead of the purchase price of a house 32:45 How to reach out and contact Matthew 39:44 The importance of maintaining control over one's financial future, warning against allowing external entities to have that control 38:17 Advice to listeners who are looking to buy their own home Episode Resources Connect with Wade Borth Connect with Matthew Shanlian
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Banks and Your Money
02/27/2024
Banks and Your Money
In today's episode, Wade dives into a recent frustrating yet eye-opening experience with banking. He recounts a saga involving a significant check transfer between accounts, revealing the complexities and hurdles encountered in the process. From initial attempts to wire transfers to unexpected holds on checks, Wade navigates the maze of bank protocols, shedding light on why banks make transferring money so challenging. Episode Highlights 02:55 - Proceeds to share how attempts were made to wire the money and the hassle of Wells Fargo holding the cash for an extended period. 03:58 - Explains how the banks suggested using a cashier's check as a solution for the money transfer problem. 05:07 - Shares the realization of banks intentionally holding on to money as part of their profit strategies through lending and earning on interests and fees. 08:31 - Shares the understanding that banks are primarily designed to make profits, thinking and operating in increments; minutes, hours, and days. 09:33 - Emphasizes the importance of thinking like a bank, being intentional and organized with money, and expecting it to generate returns. 11:01 - Reiterates that banks will try to keep control of their customer's money for as long as possible to make as much profit as possible. 11:53 - Expresses his continued frustration with large banks, the administrative difficulties and obstacles they create for the consumers. Episode Resources Connect with Wade Borth
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Uncertainty of What's To Come
02/20/2024
Uncertainty of What's To Come
Join Wade today as he discusses the rush to secure stability in an ever-changing market and advocates for finding consistency and certainty through whole life insurance. Tune in for valuable insights on navigating financial uncertainty and building long-term resilience. Episode Highlights 01:31 The importance of certainty, time and consistency over yield 02:58 The value of where you are investing their savings 04:36 Why long-term thinking is important in the financial world 06:15 Different financial certainty you should look for during uncertain times 08:46 The benefits of calmness and stability in the financial world 09:20 Why you should get out of survival mode and thrive by finding certainty and calmness in their financial world Episode Resources Connect with Wade Borth
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Legacy Building With Whole Life Insurance
02/13/2024
Legacy Building With Whole Life Insurance
In this episode, Wade discusses the transfer of wealth from baby boomers to millennials, highlighting the importance of efficient asset transfer and financial education. He talks about utilizing whole life insurance and emphasizes empowering heirs for long-term success. Join him as he navigates the complexities of wealth transfer and legacy building. Episode Highlights 00:39 How money will be transferred across generations 01:42 The importance of transferring wealth efficiently and ensuring children and beneficiaries are better off 03:23 Common approach to money-saving and asset depletion for transfer to the next generation 04:43 The benefits and guarantees of life insurance 07:04 Value of financial education for children 09:44 Help and potential resources for family financial planning and education 10:23 Why you need to be open-minded about different financial strategies Episode Resources Connect with Wade Borth
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