Wealth Talks

With a special emphasis on finances we talk about things that create wealth in your life. It's like a dinner table conversation once a week.

Infinite Banking and Whole Life Insurance Questions Answered 11/12/2025

Infinite Banking and Whole Life Insurance Questions Answered This episode is all about getting your questions answered about infinite banking and whole life insurance. Questions like: How long should I pay my premium? Do I need to repay my loan? Can I do interest only? Can I stop my premium? How quickly can I borrow from my policy? How to structure loan repayments for Infinite Banking. These questions and more. If you have questions you would like answered, leave them in the comments or email them to us at team@mcfieinsurance.com and we'll address them. Amortization tables based on borrowing $100k and repaying at 5.5%, 8% and 10% with repayments over a variety of terms. Use MoneyTools.net to calculate payments on a specific loan example. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38992325

Infinite Banking in a real life situation 11/05/2025

Infinite Banking in a real life situation Growing your money while it accumulates, is necessary to a good savings plan. Having easy access to your savings without having to pay taxes and, without destroying the compounding growth you are earning. Is part of what makes Infinite Banking such a beneficial financial tool. Having a cash cushion allows you to recover the opportunity cost of items you have to finance. Sometimes paying off your debt is not the best option. Listen and hear the story of how one of our clients has used Infinite Banking in his life. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38896810

Is Now a Good Time to Buy Gold? 10/28/2025

Is Now a Good Time to Buy Gold? With the historical performance of gold in the last 12 months, it has raised a lot of attention and questions, about whether owning gold is an asset, and a good investment right now. You can easily find endless advice and facts, supporting whichever view point on gold you are currently leaning towards. Rather than giving you more advice on what we would do, In this episode we look at the history surrounding ownership and valuation/de-valuation of Gold, the pros and cons of owning and investing in Gold, and have discussion based on that. We don't advise you one way or the other, but rather focus on understanding all aspects of what investing and owning Gold would intel. This way you can make a wise educated decision, that will be best for you. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38792045

Infinite Banking and Real Estate 10/21/2025

Infinite Banking and Real Estate Dr Steve Hryszczuk is back on the podcast this week to talk about how he uses his Life Insurance policy cash values and Infinite Banking for real estate and his overall financial strategy. This is part 2 of the interview with Dr. Steve. If you haven't yet heard part 1 make sure you check out last weeks episode! Dr. Steve details how using Infinite Banking has impacted his life in the world of Real Estate investing and beyond. Having liquidity and multiple options for accessing cash has been a huge part of his success. He shares in detail how he has done it in this episode. Dr. Steve's new book entitled "Commercial Real Estate Investing for Everyone" is also available now on Amazon. You can order it here: 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38644105

Real Estate Investing 10/13/2025

Real Estate Investing If you have ever considered investing in real estate, this episode is for you. Dr Steve Hryszczuk has been converting small, often overlooked office buildings into lucrative assets that create strong recurring streams of income. In this episode, Dr Steve shares his proven business plan he has developed over the last 20yrs, for building a portfolio of commercial investment properties. This is part 1 of a 2 part series. Make sure to subscribe to not miss next weeks followup interview. Dr. Steve's new book entitled "Commercial Real Estate Investing for Everyone" is available now on Amazon. You can order it here: 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: https://mcfieinsurance.com/infinite-banking-made-simple-binder/ /episode/index/show/wealthtalks/id/38572000

Mr. Wonderful, Greed, Fear and Action 10/07/2025

Mr. Wonderful, Greed, Fear and Action Failure is an event, not a person. Its important to learn from our failures, and other peoples failures. This allows us to re-channel our energy and put ourselves in a better position for the future. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38498135

Charlie Kirk, Jim Cramer, Dave Ramsey IBC and Investing 09/30/2025

Charlie Kirk, Jim Cramer, Dave Ramsey IBC and Investing From the Charlie Kirk memorial event, to listening in on one a Jim Cramer show, IBC and everything in between. Join us for our round the table discussion on all the above topics. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38402170

Dave Ramsey vs A Life Insurance Agent 09/23/2025

Dave Ramsey vs A Life Insurance Agent Is Whole Life always better than buying term and investing the difference? Does buying term and investing the difference give you a better return on your money? What happens if you need to use some money from your investment along the way? Is any whole life insurance policy good for infinite banking? These are a few of the questions that come up and we answer in this episode. Not everything is as clear as it first appears. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38318450

Benefits of Infinite Banking and Whole Life Insurance 09/16/2025

Benefits of Infinite Banking and Whole Life Insurance Many famous people throughout history and currently today, use whole life insurance as part of their financial strategy to generate and protect their wealth. Its benefits have been praised and used by some of the most successful people in America... so why do some people dislike it so much? Is it because of the the perceived lack of flexibility? Do people today have a harder time thinking longterm? Have Insurance agents tainted the perception of good life insurance by selling bad insurance? Whatever the reason, there is a turning point happening. People are rediscovering Participating Whole Life Insurance and the incredible upside potential it offers to your financial porfoilio. Listen and discover about Whole Life Insurance and Infinite Banking 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/38225055

Creativity and Infinite Banking 09/10/2025

Creativity and Infinite Banking Albert Einstein famously said, "Imagination is more important than knowledge." This is because being able to be think outside the box allows you to move beyond what is known, and discover or create new things. Infinite Banking is an exercise in imagination. Infinite Banking allows you to use your money while it is still earning and growing. It allows you to recover money that would otherwise be lost paying interest to the banks. Using Infinite Banking allows you to get ahead in life. Listen to this episode to boost your imagination and help you use Infinite Banking better! 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Follow the Wealth Talks Podcast on: Instagram: Facebook: /episode/index/show/wealthtalks/id/38137720

Velocity Banking vs. Infinite Banking 09/02/2025

Velocity Banking vs. Infinite Banking Velocity banking is a strategy where you use a line of credit as your primary account and use lump sums to pay off a loan, usually a mortgage. The idea behind this is that using a line of credit will help you use your cash flow and extra money to cover your expenses but also go toward paying off your mortgage. Most often the velocity banking strategy utilizes a Home Equity Line of Credit (HELOC) We look at the numbers and the pros and cons of using this type of strategy to pay down your mortgage. The results are quite interesting. We discuss and compare results on this episode here. More on Velocity Banking here: 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: /episode/index/show/wealthtalks/id/38052005

$140,000 and counting! Royalty Auto Service did something very nice 08/29/2025

$140,000 and counting! Royalty Auto Service did something very nice In this podcast episode, Tom, Michele and John talk about what Sherwood from Royalty Auto Service is doing for one of their customers. The customer got taken advantage of and paid way to much for a car that had problems, Royalty Auto didn't just fix her car, they helped raise money for her to use to buy a better car! Now they are taking her car shopping and they want to put her in touch with a financial advisor to help her manage the money everybody gave her. They are really going the extra mile to look out for her. Tom Michele and John talk about some of the things this customer could do with the money to keep it safe, make it grow and improve her life. This is an example of how social media can be used for good. What a story. /episode/index/show/wealthtalks/id/38016455

Infinite Banking Benefits 08/26/2025

Infinite Banking Benefits Infinite Banking allows you to access your money while it grows. Unlike a 401k, IRA or other retirement accounts, with infinite banking you don't have to lock away your money until retirement age. You can use your money throughout your life, while its growing. This provides huge benefits and allows you to grow your money with investments outside of infinite banking, while earning an internal rate of return. Using IBC, our son and his wife were able to purchase their first home without getting a bank loan. Other clients of ours have used their Infinite Banking to finance vehicles, pay off high interest debt and invest. We share some of these stories on todays episode. Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37955850

Real Estate Investing and Infinite Banking 08/19/2025

Real Estate Investing and Infinite Banking Investing In Real Estate and Infinite Banking are complimentary financial strategies. Having access to equity from a life insurance policy gives you the advantage of private lending. Not having to qualify for a loan from a bank opens more real-estate opportunities and lets you move with speed and capability. We have taught infinite banking at many real-estate conferences because it is such a complimentary and game changing strategy for real estate investors. If you are wanting to get into real-estate, or already are doing real-estate, you need to listen to this podcast. Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37873165

Inflation Wages and Real Estate 08/12/2025

Inflation Wages and Real Estate In 1970 home prices were about 3 x the average income Today home prices are about 7x the average income In year 2000, the average age of a first-time home buyer was about 30 yrs old Today the average age of a first-time home buyer is 38 What has caused this? Is it possible to still get ahead with the odds stacked against you? We talk about all of this and more. Listen Now Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37768320

Should She Buy a Puppy? 08/05/2025

Should She Buy a Puppy? Discover how to strike a balance between living well today and planning for tomorrow in this engaging episode. Too often, financial advisors offer one-size-fits-all advice—pay off debt, save for retirement, or invest more—without considering the full picture of your life. But life is more than just money. Time is short and finding joy in the present while securing your future is key. Saving everything for tomorrow or spending it all today isn’t the answer. Learn how to create a healthy, fulfilling balance that works for you. Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37674945

Infinite Banking Client Stories 07/30/2025

Infinite Banking Client Stories Real Life Infinite Banking Stories. In this episode we share a bunch of stories from our clients on how they have used infinite banking personally. A Word of Caution! Don’t listen to this episode unless you want to feel inspired and encouraged. Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37603300

Infinite Banking and Nelson Nash 07/22/2025

Infinite Banking and Nelson Nash In this episode we go back to the very beginning of the Infinite Banking Concept and the teachings of Nelson Nash to look at exactly what is Infinite Banking. Learn about the discovery of Infinite Banking, the teachings of Nelson Nash, and the core principles of The Infinite Banking Concept. This episode will bring clarity to what the Infinite Banking Concept is, and why it works so well. Real life Infinite Banking stories from clients of McFie Insurance as promised in episode 530 has been moved to episode 532. To listen to real life infinite banking stories go to episode 532. 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: https://mcfieinsurance.com/infinite-banking-made-simple-binder/ /episode/index/show/wealthtalks/id/37498655

Infinite Banking Made Simple 07/15/2025

Infinite Banking Made Simple The big idea of Infinite Banking is that you recover the money you’re spending. The Infinite Banking Concept uses a participating whole life insurance policy to accumulate equity, then use that equity to leverage for a loan. This process can be understood easily by thinking of something we are already familiar with. A HELOC. There are some similarities to using a Home Equity Lines of Credit and using a Life Insurance policy as collateral for a loan. We talk about them. There are also some big differences that gives Life Insurance a big advantage. We talk about those. The Infinite Banking Concept is very straight forward. Much of the complicated information and articles on IBC are not helpful and just cause more confusion. This episode is all about Infinite Banking Made Simple. Listen and learn now Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37407705

There's No Free Lunch 07/08/2025

There's No Free Lunch Go here to get the Infinite Banking Made Simple Binder for free: Everything in life has a cost. Many times the cost of using one’s own money is overlooked, and the earnings that your spent money could have earned, are lost forever. Using the Infinite Banking Concept and Participating Whole Life Insurance you can overcome this lost opportunity costb by having access to your money while it continues to grow. Learning and implementing the principles of growing wealth that we talk about in this episode, will help you get ahead financially and build a more successful financial future. Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37323915

Dave Ramsey Retirement Income 07/01/2025

Dave Ramsey Retirement Income On a recent Dave Ramsey show there was a caller who is a trim carpenter making decent money, but wanting to save more. He was divorced 8 years ago, and now has 23k in savings. He owes about 25k left on his mortgage, and has a 20k dollar loan on his motor bike. Dave gave some shocking advice to this guy! We have a much different approach to how we help our clients than what Dave said to his caller, so we decided to add our commentary on this episode. What are your thoughts on how Dave advised his caller? Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37232880

Warren Buffet and Savings 06/24/2025

Warren Buffet and Savings Warren Buffet has some advice on saving. We listen to what he has to say and discuss it. Savings is the foundation of building wealth. If you can keep your savings earning a return while you also use it to buy things, you can grow wealth even faster. Listen and discover how to grow wealth. Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/37128175

Lump Sum Infinite Banking Policy 06/17/2025

Lump Sum Infinite Banking Policy A common question we get asked is, can I start Infinite Banking with a Lump Sum? The short answer is: Yes We find that what most people are really asking with this question is, Does it make sense to start Infinite Banking with a lump sum? A detailed answer will take into consideration the specific amount of the lump sum, personal details, as well as rules and regulations that will apply to you, and will tell you not only if it is possible, but if it is profitable. In this episode we share examples and scenarios that we've designed and observed, where people have funded Infinite Banking policies with lump sums of money. This will help you understand the process better. /episode/index/show/wealthtalks/id/37035795

Qualified Plans vs Infinite Banking 06/10/2025

Qualified Plans vs Infinite Banking When people think about saving money to get ahead financially, they often think about a qualified plan. Unfortunately, qualified plans have not been all what they were cracked up to be, and today people are saving less than, before they were introduced to “help people save more” Savings have become an after thought for many people today. In reality, savings should be treated with as much urgency and importance as your house payment, car payment and other expenses. It is easier to save money when its is not locked away behind early access penalties. Its easier to save when your savings are growing for you. Its easier to save when you know you can access your savings to finance opportunities or needs in your life. This is what we help people do, and what we discuss on the podcast this week. Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/36931450

Retirement Funding with Infinite Banking 06/03/2025

Retirement Funding with Infinite Banking People are not saving enough for retirement. People who are saving, are not saving in the best places. This is creating a lack of funds in retirement, and often a need to go back to work later in life. Neither of these are good options. We help people plan for and fund their retirement in a non conventional way. This allows our clients to have the freedom to progress financially even in retirement, rather than having to retire to a less and diminishing amount of income. /episode/index/show/wealthtalks/id/36828470

The Infinite Banking Mindset 05/27/2025

The Infinite Banking Mindset 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Gaining a new perspective is essential for growth and transformation. It’s easy to stay locked into familiar ways of thinking, but changing your thinking and mindset will unlock new potential. Listen as Michele and John bring to life small easy steps you can make to transform your finances and life to the next level. It all starts with where you are and with what you have. Listen Now /episode/index/show/wealthtalks/id/36718035

Money, Marriage and Kevin O’Leary 05/20/2025

Money, Marriage and Kevin O’Leary Today we're going to talk about how to discuss money in your marriage, and when. We'll also have a discussion on managing your own home economy. Money and Marriage are two things that should go together well. If they don’t go together well, they usually no longer go together at all. Divorce happens. Divorce is never pretty, and deconstruction of a family is bad for everyone. We have had to make financial decisions in our marriage over the years that we never would have anticipated. We have also witnessed other couples make financial decisions over the years (good and bad). You'll get to hear about all of that in this episode now. /episode/index/show/wealthtalks/id/36634675

Infinite Banking Seminar Report | Episode 521 05/13/2025

Infinite Banking Seminar Report | Episode 521 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Here are some highlights from our recent live seminar Infinite Banking Made Simple. One of the seminar attendees wrote: "Anyone can benefit from this [the Infinite Banking Concept] if they can wrap their mind around it." She is right! Go here to get the Infinite Banking Made Simple Binder for free: Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch the Wealth Talks Podcast on: YouTube: /episode/index/show/wealthtalks/id/36538695

People's Biggest Financial Mistakes 05/06/2025

People's Biggest Financial Mistakes 📄 INFINITE BANKING MADE SIMPLE | Get the free binder here: Today we are discussing the biggest financial mistakes that we see people make. It is our hope that by discussing these financial mistakes you can avoid making them yourself. Watch on YouTube: Follow the Wealth Talks Podcast on: Instagram: Facebook: /episode/index/show/wealthtalks/id/36454875

How to Have Financial Freedom 04/29/2025

How to Have Financial Freedom 📄 INFINITE BANKING MADE SIMPLE | GET THE BINDER HERE: https://mcfieinsurance.com/ What is Financial Freedom? Is it the ability to buy anything you want at any time without looking at the price tag? Is it having enough money that you “Never have to work again.” Is it not having any debt and no debt payments? Money isn’t everything, but it rates reasonably close to oxygen on the “gotta have it scale” Everybody knows what money is, but what is financial freedom? Do people have financial freedom once they finally have a million dollars in a bank account? Or does your bank account balance even matter? Is financial freedom permanent? How do you know when you are financially free and what does that look like exactly? That’s what we are going to talk about right now. /episode/index/show/wealthtalks/id/36348650

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