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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Unlock Profit with Smart Insurance with Suzanne White
12/31/2025
Unlock Profit with Smart Insurance with Suzanne White
Summary In this episode of the Wade Borth Podcast, we're joined by Suzanne White, an expert in business property and casualty insurance. Suzanne shares insights on financial strategies that help business owners avoid costly pitfalls, ensuring they don't unknowingly spend money while safeguarding their assets. She and Wade discuss the importance of collaboration and building a strong financial team to empower businesses. Learn how understanding insurance and liquidity can transform potential chaos into opportunities. Don't miss this essential episode for any business owner looking to secure their financial future.. 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
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Becoming Empty Nesters: Trusting You Raised Them Right
12/23/2025
Becoming Empty Nesters: Trusting You Raised Them Right
Summary In this episode of the Wade Borth Podcast, Wade and guest Kira discuss the emotional and financial journey of parents as they transition to empty nester life with a child in college. Gain insightful perspectives on balance, independence, and financial wisdom—essential for every parent facing this stage. Don't miss Kira's unique insights and Wade's seasoned guidance! Episode Highlights 00:00:12 - Launch of Kira's Consumer Corner 00:00:25 - Discussion on Empty Nest Syndrome 00:01:09 - Importance of Interdependence 00:02:02 - Parenting an Only Child 00:05:11 - Emotional Shift: Empty Nester Challenges 00:06:07 - Financial Interdependence with College-Aged Children 00:08:08 - Balancing Protection and Independence 00:10:17- Abundance in All Aspects of Life 00:12:32 - Building a Strong Foundation for Independence Episode Resources Keywords Wade Borth Podcast financial life Kira's Consumer Corner college freshman year empty nesters interdependence family dynamics financial preparedness policy loan life lessons digital safety abundance Five Areas parenting resilience empowerment foundation
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Compilation Episode: Best of 2025
12/16/2025
Compilation Episode: Best of 2025
In this "Best of 2025" episode of the Wade Borth Podcast, explore transformative insights on building personal banking systems, the security of life insurance, and a real client's inspiring Infinite Banking Concept (IBC) journey. A highlight is guest Nate Scott's enlightening perspective on infinite banking stages. Essential listening for anyone seeking to redefine financial freedom and legacy building. Episode Highlights 01:09 - Understanding Infinite Banking 03:00 - Four Stages of Whole Life Insurance 05:00 - Importance of Being a Saver 06:07 - The Financial Pressure of Being Asset Rich, Cash Poor 08:00 - Taking Control of Debt 09:56 - Wealth Acceleration and Investment Strategies 12:09 - Managing Risk in Whole Life Policies 13:34 - Institutional Level Management with Life Policies 15:50 - Managing for Death Certainty and Economic Changes 18:49 - The Legacy and Future Currency Transactions 22:00 - The Problem of Not Having Enough Money Saved 25:19 - Transitioning to Being a True Wealth Creator 28:23 - Becoming the Money Lender 33:05 - Significance of Financial Legacy and Education 37:09 - Solving the Central Problem of Access to Capital Episode Resources
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The Five Areas of Life: Leading Yourself Forward
12/09/2025
The Five Areas of Life: Leading Yourself Forward
In today's, Wade explores the idea that what got you here won’t get you where you want to go. He breaks down why rethinking your thinking is essential for growth and how “arrival syndrome” can quietly hold you back. Wade also touches on leading yourself in the Five Areas of Life, letting go of what no longer serves you, and building the right team to support your goals. A short but powerful reminder to pause, reflect, and step into who you need to become next. Episode Highlights 01:50 - Coaching perspective on growth and success. 02:18 - Five areas of life for holistic abundance. 03:34 - Leadership in personal and professional areas. 04:39 - Revisiting the "Arrival Syndrome." 05:32 - The mountain climbing analogy. 07:01 - The importance of continuous growth. 08:22 - Growth requires subtraction. 09:23 - Letting go for future potential. 10:52 - The potential of working less for more results. 12:26 - Achieving clarity for business growth. 13:51 - The importance of delegation. 15:05 - Intensive focus vs. consistent systems. 18:56 - Identity and skill set growth. 22:00 - The concept of a Wealth Team. 24:23 - Building and using frameworks. 26:27 - Empowering personal and professional growth. Episode Resources
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Financial Emergencies Happen—Here’s How Liquidity Saves You Every Time
12/02/2025
Financial Emergencies Happen—Here’s How Liquidity Saves You Every Time
In this episode, Wade breaks down how “financial sewer backups”—market downturns, emergencies, recessions, and income loss—can blindside families and business owners. He explains why liquidity, cash reserves, and intentional planning are the key to surviving financial crises, protecting your wealth, and finding opportunities when others panic. If you want a practical, no-nonsense guide to building financial resilience and staying secure in uncertain times, this conversation is packed with real-world insight. Episode Highlights 03:01 - Panic and urgency in a crisis. 04:39 - Financial "sewer backup" metaphor. 05:33 - Preparedness in financial adversity. 05:56 - Importance of cash liquidity. 06:38 - Creating financial buffers. 09:57 - Calculating daily expenses and liquidity. 10:27 - Reassessing personal financial security. 11:30 - Building adequate financial reserves. 12:36 - Surviving financial stress events. 13:12 - Opportunities amidst financial crises. Episode Resources
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The 50-Year Mortgage Problem—and the Family Banking Solution with Kira Nyland
11/25/2025
The 50-Year Mortgage Problem—and the Family Banking Solution with Kira Nyland
In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America’s growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the “low payment” and not the true cost, and how thinking like a banker—not just a borrower—can change everything. Wade contrasts the typical consumer approach with strategies rooted in Infinite Banking, whole life insurance, and intentional cash flow, encouraging listeners to treat their money as sacred, question clickbait headlines, and make mortgage decisions that actually serve their long-term financial freedom. Episode Highlights 00:47 - Discussing the 50-year mortgage trend 01:22 - Kira's initial reaction to the 50-year mortgage concept 03:56 - Mechanics and implications of a 50-year mortgage 05:00 - Interest rates comparison between 15, 30, and 50-year mortgages 05:19 - Consideration of earning potential versus mortgage interest rates 07:16 - Average age of first-time homebuyers and long mortgage terms 09:48 - Impact of extended mortgage terms on overall cost 14:43 -The importance of financial education and awareness 16:50 - Family banking and teaching financial responsibility 22:00 - The value of time and financial decision-making Episode Resources The Truth about 15 vs 30 Year Mortgages: Total Cost: The Truth about 15 vs 30 Year Mortgages: Additional Factors: The Infinite Banking Implementation of 15 vs 30 Year Mortgages:
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IUL Controversies Explained: Why Whole Life Still Stands Strong
11/18/2025
IUL Controversies Explained: Why Whole Life Still Stands Strong
In this episode of The Wade Borth Podcast, Wade breaks down the recent headlines about NASCAR driver Kyle Busch allegedly losing $8.5 million in an Indexed Universal Life (IUL) scheme—and why stories like this create so much confusion about life insurance. Wade explains the likely factors behind the situation, including premium financing and unrealistic illustrations, and clarifies why IUL shifts risk back to the client while dividend-paying whole life insurance operates on guarantees, transparency, and long-term stability. Instead of letting one bad actor or bad tool tarnish the entire industry, Wade uses this moment to highlight the critical differences between IUL and whole life, the importance of understanding risk, and why whole life remains the most reliable foundation for financial security. Episode Highlights 03:03 - Index Universal Life (IUL) concerns. 05:50 - Universal life risks to clients. 07:11 - Whole life vs. Universal life. 10:54 - Value of guarantees in whole life. 13:04 - Transferring risk to policyholders. 15:39 - Whole life as a liquidity contract. 19:21 - Industry skepticism and bad actors. Episode Resources
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The Four Stages of Whole Life: From Saver to Infinite Banker: Part 2
11/11/2025
The Four Stages of Whole Life: From Saver to Infinite Banker: Part 2
In this episode: Wade walks through Business Banker (treating capital like a business, routing more cash flow through policies, and demanding payback with interest) and Infinite Banker (a closed family banking ecosystem where money consistently flows through your policies across generations). Expect practical criteria for loans, deal flow, and protecting liquidity while you invest. Tune in to see how disciplined policy use becomes a system—so your family controls the money game, not the banks. Episode Highlights 00:47 - Overview of podcast stages: business banking and infinite banking. 01:28 - Definition of a business banker and control over finances. 02:26 - Mindset shift: Premiums as investments, not expenses. 03:04 - Redirecting cash flow: Benefits and privacy of policies. 08:12 - Hard money lending and expanding banking systems. 10:02 - Key components of wealth building and financial conversations. 11:20 - Treating money transactions like a business. 13:02 - Infinite banking mindset and the closed financial ecosystem. 15:52 - Interdependence and family financial ecosystems. Episode Resources
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The Four Stages of Whole Life: From Saver to Infinite Banker: Part 1
11/04/2025
The Four Stages of Whole Life: From Saver to Infinite Banker: Part 1
In this episode: Wade breaks down the first two stages of owning whole life: Saver (building a safe, liquid foundation and tightening your relationship with money) and Wealth Builder (shifting premiums from “expense” to “opportunity,” paying down the right debts, and funding opportunities without sacrificing liquidity). You’ll hear how Tough Money habits, cash-flow redirection, and a clear “days of liquidity” target create real control—not just theory. Tune in to learn how to move from storing cash to putting it to work—on your terms. Episode Highlights 01:04 - Exploring the four stages of whole life insurance. 04:43 - The misconception of doing infinite banking. 05:35 - Stages from saver to infinite banker. 07:59 - Building a strong financial foundation. 09:17 - Misclassification of life insurance as liquidity. 13:56 - Whole life insurance as a secure investment. 16:50 - Transitioning from saver to wealth builder. 18:27 - Strategic debt elimination. 21:17 - Importance of increasing cash flow. Episode Resources
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Why Term Insurance is a Short-Sighted Strategy with Kira Nyland
10/28/2025
Why Term Insurance is a Short-Sighted Strategy with Kira Nyland
Welcome to a new episode of the Wade Borth podcast, focusing on "Consumer Corner" where we answer common questions that come across Wade's desk by clients. In this episode, Wade is joined by his assistant Kira Nyland to go through questions regarding Term Insurance and if it's a better fit than Whole Life. If you're stuck between which type of policy might be the best option, this episode is for you! Episode Highlights 03:38 - The role of informed decision-making in finance. 05:15 - Debunking common financial myths. 07:53 - Exploring the debate: Term vs. Whole Life Insurance. 10:07 - The misperception of term insurance costs. 13:39 - Actuarial data and term insurance claims. 15:54 Insurance company strategies on premium pricing. 18:08 - Legacy planning limitations with term insurance. 21:24 - Understanding the value vs. cost in insurance. 23:27 - An analogy: Cost vs. value of financial decisions. 24:37 - Encouragement to seek diverse financial education. Links and Resources The 8 Benefits Part 1 - The 8 Benefits Part 2 -
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Rethinking Business Wealth with Infinite Banking with Brent White
10/21/2025
Rethinking Business Wealth with Infinite Banking with Brent White
Wade sits down with Dallas-based advisor Brent White to unpack why most financial advice fails business owners—and what a team-based, “family office” approach can do instead. From Infinite Banking and cash-flow efficiency to avoiding siloed planning (hello, audits and missing 401(k) bonds), Wade and Brent share real-world tactics to build resilient companies, create liquidity, and make the same dollar do multiple jobs—with an abundance mindset and a servant’s heart. Tune in to hear how thinking differently about your business—and surrounding yourself with the right team—can help you build lasting wealth, reduce risk, and keep your money in motion for generations to come. Episode Highlights 02:15 - Rethinking the banking system. 06:40 - Financial awakening through experience. 11:25 - The “Mount Everest” approach to business. 16:50 - Efficiency over growth. 22:10 - The danger of doing business “like everyone else”. 27:30 - Money in motion creates wealth. 32:05 - The power of team specialization. 41:10 - It’s not about debt—it’s about strategy. 45:20 - Education is empowerment Episode Resources: Connect with Brent White
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Military Retirement: Take Control of Your Benefits with Kent Kraiter
10/14/2025
Military Retirement: Take Control of Your Benefits with Kent Kraiter
Today, Wade sits down with returning guest and former military member Kent Kraiter to discuss the realities of retirement planning for those who serve. Drawing from his own military career and master’s research on retirement strategies in the U.S., Kent shares insights on how service members can better prepare for their financial future—long before retirement hits. Together, they unpack the complexities of military and federal benefits, survivor plans, and how to take control through education and alternative strategies like properly structured whole life insurance. Whether you’re two years or ten years away from retirement, this episode will help you think differently about how to protect your family, maximize your benefits, and take ownership of your financial future. Episode Highlights 00:54 - Military retirement strategies: Serving those who serve. 02:00 - Common misconceptions about retirement planning. 03:03 - Transition assistance programs in the military. 05:00 - Key factors in military retirement decisions. 06:50 - Survivor Benefit Plan (SBP) overview and cost. 09:50 - Survivor Benefit Plan: Impact on surviving spouse. 11:30 - Comparing SBP with private insurance options. 14:30 - Importance of planning and control over benefits. 15:59 - Break-even point for whole life policy vs. SBP. Episode Resources: Connect with Kent Kraiter
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Your Money, Your Future: Planning Retirement on Purpose
10/07/2025
Your Money, Your Future: Planning Retirement on Purpose
In this episode of The Wade Borth Podcast, we rethink what retirement should really look like. Wade digs into the common “save, save, save” approach with 401(k)s and why accumulation alone is not enough. He explores the importance of a clear distribution plan, how fear of running out of money holds retirees back, and strategies to create guaranteed, reliable income for life. If you want to retire with confidence — not scarcity — and enjoy the freedom you’ve worked so hard for, this conversation is for you. Episode Highlights 00:18 - Challenging Conventional 401k Thinking 03:58 - The Importance of Distribution Planning 06:45 - Retirement Fears: Running Out of Money vs. Death 09:25 - Exploring Higher Distribution Rates 10:01 - Guarantees in Retirement Planning 12:15 - Stages of Retirement Spending 14:20 - The Value of Lifetime Income 15:48 - Planning for Legacy and Education 17:29 - Intentionality in Retirement Planning 20:31 -Abundant Living vs. Scarcity Mindset in Retirement 21:56 - Ensuring Retirement Certainty and Abundance Episode Resources Connect with Wade Borth
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Maintaining Long Term Generational Wealth
09/30/2025
Maintaining Long Term Generational Wealth
In this episode of the Wade Borth Podcast, Wade explores why so many families lose their wealth within just a few generations and what can be done to stop the cycle. Using real-life examples from farming families and well-known legacies like the Vanderbilts and Rockefellers, Wade dives into the critical role of education, communication, and intentional planning in preserving generational wealth. He highlights the importance of family banking, setting standards for stewardship, and creating systems that help future generations understand, respect, and grow the legacy they inherit. Episode Highlights 01:01 - Education over money for generational success. 01:15 - The Vanderbilt wealth decline. 01:48 - Rockefeller vs. Vanderbilt comparison. 02:33 - Importance of education in farming families. 03:23 - Third generation observation gap. 04:18 - Educating future generations. 05:39 - Educated stewardship vs. poor stewardship. 06:41 - Passing knowledge and understanding. 07:36 - Family banking business concept. 08:04 - Success indicators beyond money. 09:03 - Intentional planning and legacy systems. 10:02 - Building a family financial education system. Episode Resources Connect with Wade Borth
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Life Insurance - The Beginning or the End
09/23/2025
Life Insurance - The Beginning or the End
In this heartfelt episode of the Wade Borth Podcast, Wade shares why life insurance is one of the most powerful and misunderstood financial tools available. Drawing on 35 years of experience—and his own personal story—he explains how life insurance provides guaranteed liquidity, removes financial pressure during life’s most difficult moments, and allows families and businesses to move forward with certainty. Wade discusses why he believes life insurance is ultimately a contract of love, how it protects your legacy, and why education and planning are key to making sure your family is financially secure when it matters most. Episode Highlights 00:34 - Life insurance and mortality. 01:09 - Value of life insurance. 02:00 - Companies' approach at death. 03:10 - Providing liquidity at death. 03:51 - Financial relief during grief. 05:50 - Stability through life insurance. 06:10 - Life insurance industry funding. 07:10 - The mutual company advantage. 08:55 - Life insurance as managed assets. 10:00 - Planning for unpredictable events. 11:55 - Personal experience: Father's death. 12:53 - Importance of proper planning. 13:43 - Impact of insufficient coverage. 15:23 - Importance of discussing needs. Episode Resources Connect with Wade Borth
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Building Financial Resilience Through Infinite Banking with Michael Hession
09/09/2025
Building Financial Resilience Through Infinite Banking with Michael Hession
In this episode of the Wade Borth Podcast, Wade welcomes Michael Hession, fellow Nelson IBC practitioner, to share his personal journey into Infinite Banking. From running a marine canvas shop to experiencing the financial crash of 2008, Michael’s story highlights the importance of building a strong foundation and controlling the banking function in your life. Together, Wade and Michael explore how Infinite Banking creates peace of mind, financial resilience, and the ability to turn debt into wealth for generations. Episode Highlights [03:54] Understanding the significance of Infinite Banking Concept (IBC). [07:23] Michael's early career and business journey. [10:31] The impact of the 2008 financial crisis on Michael’s finances. [12:44] Transitioning to financial services post-bankruptcy. [15:37] Discovering IBC and leaving the traditional financial industry. [19:14] Empowering people through financial education and IBC. [22:49] Importance of building financial foundations and saving habits. [25:09] The misconception around rates of return versus peace of mind. [30:39] The legacy potential of family banking systems. [36:56] Liquidity and life insurance in business continuity. [42:15] Discussion on the purpose and value of whole life insurance. Episode Resources Connect with Wade Borth
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From Career Goals to Generational Wealth with Joe Fuller
09/02/2025
From Career Goals to Generational Wealth with Joe Fuller
In this episode of the Wade Borth Podcast, Wade sits down with Joe Fuller to discuss family banking and its transformative power on financial habits. Joe shares his journey from aspiring neurosurgeon to a financial strategist after realizing the importance of managing money within families. Learn how intentional money conversations can unite families and create wealth for generations. Joe emphasizes the concept of building a legacy and offers insights into the practicalities of setting up a family bank, showcasing his family’s experiences. This episode is a must-listen for anyone interested in financial independence and family unity. Episode Highlights 05:34 - Building family banking for a lasting legacy. 11:01 - Shifting mindset towards family financial unity. 21:27 - Importance of long-term habits for financial success. 31:10 - The power of saying no to align with purpose. 38:24 - Leveraging whole life insurance for generational wealth. 46:18 - The role of interdependence in family wealth. 54:36 - How family banking redefines retirement. 01:07:40 - Teaching financial literacy across generations. 01:23:19 - Building intergenerational wealth through family banking. Episode Resources Connect with Wade Borth
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Building a Legacy with Intention and Preparation with Clarke Tuitele
08/26/2025
Building a Legacy with Intention and Preparation with Clarke Tuitele
Joining Wade today all the way from Hawaii is fellow agent Clarke Tuitele where they have a conversation that blends real-life preparedness with financial readiness. After recounting a recent tsunami warning and the chaos that followed, Clarke draws powerful parallels between disaster preparedness and taking control of your money. He shares his personal story—raising six children on a teacher’s salary, living intentionally, and embracing the Infinite Banking Concept to create a lasting legacy. From building “financial 72-hour kits” to teaching future generations the value of stewardship, Wade and Clarke explore how awareness, education, and discipline can transform both your finances and your family’s future. Episode Highlights 02:59 - Preparedness for natural disasters. 04:12 - Financial preparedness parallels. 06:51 - Infinite banking philosophy. 09:16 - Clarke’s financial philosophy journey. 12:38 - Intentional financial decisions. 14:24 - Legacy and financial wisdom. 16:43 - Long-term generational thinking. 18:50 - Financial independence education. 21:12 - Real-life impact of tsunami. 25:00 - Metaphor: TSA Pre-Check and financial planning. 28:43 - Financial awareness education. 31:19 - The story of waiting for the perfect wave. Episode Resources Connect with Wade Borth Connect with Clarke Tuitele
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Tough Money Mastery with David Zapata: Part 3
08/19/2025
Tough Money Mastery with David Zapata: Part 3
In this final installment of the Tough Money Mastery series, Wade Borth and returning guest David Zapata wrap up their discussion on building financial abundance and purpose. They explore the deeper “why” behind Infinite Banking, challenge traditional retirement and accumulation mindsets, and share practical ways to align your finances with every area of life. From the myths of qualified plans to the importance of liquidity, investing in yourself, and creating interdependence between money and purpose—this conversation offers a fresh, actionable perspective on taking control of your financial future. Episode Highlights 01:00 - Infinite Banking: Beyond Basics. 02:20 - Tough Money Mastery overview. 03:50 - Common financial misconceptions. 06:15 - The importance of financial literacy. 07:45 - The myth of financial accumulation. 11:01 - Individualized financial advice. 14:30 - Risks of traditional financial planning. 17:05 - How accumulation affects retirement. 20:40 - The origin of retirement age. 23:45 - Role of liquidity in financial security. 25:10 - Changing thoughts on retirement. 28:55 - Issues with qualified plans. 31:30 - Evaluating financial investments. 34:20 - Perception of financial freedom. 37:55 - Role of government in financial planning. 41:40 - Questions about qualified plans. 46:20 - Real costs of college education. 49:25 - Long-term financial impacts of education. 01:06:22 - The need for liquidity in financial health. Episode Resources Connect with Wade Borth Connect with David Zapata
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Tough Money Mastery with David Zapata: Part 2
08/05/2025
Tough Money Mastery with David Zapata: Part 2
In this continuation of the Tough Money Mastery series, Wade Borth welcomes back David Zapata to explore how to take control of your financial life through strategic leverage and intentional money flow. They discuss four more of the twelve key ideas for mastering tough money—including how to supercharge investments, maximize lending returns, integrate banking functions into your business, and protect your most valuable asset: your people. If you are ready to stop working harder and start having your money work smarter, this episode is for you. Episode Highlights 03:40 - Importance of Protection in Financial Planning 05:55 - Framework for Accumulating $50 Million Net Worth 12:45 - The Impact of Small Changes Over Time 15:00 - Relationship with Money: Concept of Tough Money 21:00 - Supercharging Investments with Tough Money Principles 26:30 - Maximizing Returns in the Lending Business 34:05 - Importance of Financial Flow and Savings 39:20 - The Role of Human Capital in Business Success 45:40 - Key-Man Insurance and Protecting Business Interests 50:30 - Business Continuity and Risk Management 54:00 - Financial Board of Directors: Who Has Control? Episode Resources Connect with Wade Borth Connect with David Zapata
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Tough Money Mastery with David Zapata: Part 1
07/29/2025
Tough Money Mastery with David Zapata: Part 1
In this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether you're leading a family, building a business, or simply want to get smarter with your money, this episode lays the groundwork for financial clarity, intergenerational wealth, and creating a system that supports long-term abundance. Episode Highlights 01:08 - Impact of family financial principles. 02:59 - The flow of money. 05:45 - Importance of financial education. 07:00 - Becoming the author of your financial plan. 09:13 - Individual vision for financial outcomes. 09:53 - Leadership in family finances. 10:28 - Four main discussion topics for the episode. 11:30 - Building a family banking system. 12:44 - Keeping a million dollars in control for vehicle financing. 13:50 - Sourcing debt as a family. 14:44 - Charitable donations for family legacy. 16:10 - Empowerment through education. 17:07 - Proper sequence in financial decisions. 18:28 - Role of whole life insurance in financial planning. 19:35 - Importance of interdependence in family finances. 22:36 - Family banking business in practice. 26:34 - Rules for family financial operations. 28:36 - Vehicle financing strategies for families. 31:52 - Opportunity cost in financial decisions. 34:50 - Flexibility and control in financing within a family. 37:16 - Legacy giving through life insurance benefits. 45:11 - Preparing children for financial independence. 47:07 - Flexibility of loan provisions in family banking. Episode Resources Connect with Wade Borth Connect with David Zapata
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Awareness, Education, Action – The Thought Process Behind Financial Empowerment
07/08/2025
Awareness, Education, Action – The Thought Process Behind Financial Empowerment
In this episode of the Wade Borth Podcast, Wade reflects on how his approach to working with clients has evolved with greater intentionality and purpose. He shares the three-step framework that drives every client relationship: awareness, education, and action. Rather than jumping straight to products or solutions, Wade emphasizes the importance of understanding your unique goals, values, and what’s keeping you up at night. From there, education becomes the tool to empower you—not to rely on someone else, but to confidently take control of your financial future. If you're looking for more than just advice, and want a process built around your needs—not a one-size-fits-all solution—this episode is for you. Episode Highlights 01:06 - Intentionality in Business. 01:17 - The Go-Giver: Adding Value. 01:45 - Financial Awareness: Key to Change. 02:53 - Empowerment Through Education. 04:16 - Importance of Self-Empowerment. Episode Resources Connect with Wade Borth
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Rethinking Retirement – Clarity, Certainty, and Creating Your Own Path
07/01/2025
Rethinking Retirement – Clarity, Certainty, and Creating Your Own Path
Today on the Wade Borth Podcast, Wade challenges the traditional view of retirement and encourages listeners to rethink what it truly means. Whether you see retirement as retooling, relaxing, or chasing new adventures, one thing remains the same—your financial strategy should reflect your values, not someone else’s template. Wade explores why relying solely on market-based income can create unnecessary fear and scarcity, and how guaranteed income solutions like annuities can offer peace of mind and stability. If you're approaching retirement or simply thinking about your future, this episode will help you align your money decisions with the life you actually want to live. Episode Highlights 00:24 - Clarity on Retirement Definitions 02:06 - Traditional Retirement vs. Retooling 03:03 - Living Off Market Interest: Risks 05:04 - Certainty and Fear in Retirement 07:10 - Income vs. Asset-based Retirement 09:07 - The Role of Private Pensions 10:56 - Cookie Cutter Approach to Retirement Strategy 11:59 - Aligning Actions with Values 12:31 - Uncertainty and Future Conversations with Self Episode Resources Connect with Wade Borth
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Are Life Insurance Companies Really Safe?
06/24/2025
Are Life Insurance Companies Really Safe?
In this episode of the Wade Borth Podcast, Wade addresses a common and important question: How safe are life insurance companies? Drawing from conversations with industry leaders and over 35 years of experience, Wade explains why mutually owned life insurance companies are some of the most stable financial institutions in the world. He breaks down how they operate differently from Wall Street-driven firms, why long-term thinking matters, and how these companies prepare for both the expected and the unexpected. Whether you’re new to Infinite Banking or questioning the long-term security of your policy, this episode will offer clarity, context, and confidence. Episode Highlights 00:32 - Life insurance companies as a safe financial institution. 01:16 - The value of life insurers providing capital. 02:31 - Mutual vs. stock-owned insurance companies. 03:59 - Institutional-level investment in whole life policies. 06:39 - Managing for certainty and risk. 08:53 - Historical resilience of insurers: Lloyds of London. 10:09 - Insurance companies and major global events. 11:00 - Insurers keeping an eye on long-term stability. 12:15 - Understanding what stays the same in business strategy. Episode Resources Connect with Wade Borth
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Understanding Infinite Banking Through the Four Stages
06/17/2025
Understanding Infinite Banking Through the Four Stages
In this episode of the Wade Borth Podcast, Wade dives deeper into the often-misunderstood concept of Infinite Banking. Instead of overwhelming listeners with financial jargon, he reframes the conversation using a more approachable framework: the Four Stages of Whole Life Insurance. From becoming a disciplined saver to evolving into a true Infinite Banker, Wade explains how each stage builds more control, clarity, and confidence in your financial journey. Whether you're just getting started or looking to expand your financial ecosystem, this episode offers clarity, encouragement, and a practical path forward. Episode Highlights 01:30 - The Four Stages of Whole Life Insurance 02:12 - Infinite Banking: A Small Subset's Journey 02:32 - Becoming: Essential Part of Financial Control 03:39 - Importance of Savings Strategy 05:06 - Whole Life Insurance Benefits 06:02 - Misclassification of Financial Assets 06:20 - Debt Control vs. Debt Control Over You 07:04 - Wealth Building Strategy 08:09 - Difference Between Chaos and Opportunity 14:32 - Understanding Life Insurance Contracts 14:59 - Small Shifts, Lasting Change Episode Resources Connect with Wade Borth
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The 8 Benefits of Whole Life Insurance (Part 2)
06/10/2025
The 8 Benefits of Whole Life Insurance (Part 2)
In this episode of The Wade Borth Podcast, Wade wraps up his deep dive into the eight key benefits of whole life insurance. Building on Part 1, he explores how privacy, tax-free death benefits, guaranteed monthly cash value growth, and income statement improvements make this asset a powerful tool for long-term financial confidence. If you’ve ever viewed premiums as a burden, this conversation may flip the script—showing how whole life insurance aligns with your values and financial goals to serve you for life. Episode Highlights 01:45 - Understanding the multiple benefits of whole life insurance. 02:19 - Keeping money in your own financial ecosystem. 03:47 - Liquidity in times of financial stress. 05:38 - Privacy of whole life insurance contracts. 07:40 - Income tax-free death benefits. 10:48 - Guaranteed growth of cash value. 12:00 - Importance of starting early with whole life policies. 14:13 - Whole life insurance as part of a diversified financial strategy. Episode Resources Connect with Wade Borth
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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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