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 Financial Planning for Young Men 10/20/2026

Infinite Banking and Financial Planning for Young Men The system in America has failed our generation in teaching young men how to manage their money. As a result a lot of men at many different income levels are living hand to mouth/paycheck to paycheck, going around and around in the rat race of life, never understanding how to get ahead, or how to get their money to work for them. This can change. In order to become financially successful, young men need to take control of their finances and build wealth. Good financial principles create a foundation for your capital to flourish so you can build wealth far beyond however hard you can labor. Today on Wealth Talks, Ben interviews his younger brother Jesse. Jesse is a husband and a father. He shares how he has used Infinite Banking and good financial principles to be able to purchase a house, build a business and finance the expenses of a growing family, and continue to save. He shares his thought process and perspective of what he would encourage others to do. /episode/index/show/wealthtalks/id/43382869

Dave Ramsey says "Whole Life is C***." Here's why he's wrong 10/14/2026

Dave Ramsey says "Whole Life is C***." Here's why he's wrong The Dave Ramsey baby step program doesn't include any whole life insurance. Why? Dave calls Whole Life Insurance C***. Is it cause he doesn't understand it? Or is it for another reason? We respond to Dave Ramseys argument against Whole Life Insurance here. Whole Life Insurance (only when designed correctly) can actually make The Dave Ramsey 7 baby step program better. Watch and see. /episode/index/show/wealthtalks/id/43285519

Long term Infinite Banking policy results 10/07/2026

Long term Infinite Banking policy results This is a review of a Participating Whole Life Insurance policy, designed for infinite banking, that was purchased over 18yrs ago. We have access to the original sales illustration which showed projections of what the policy would look like into the future, and then we also have a current active illustration showing what has actually happened in this policy over the last 18yrs. This policy was well designed for Infinite Banking, with a good ratio of paid up additional insurance as well as base insurance. The actual numbers of this policy are quite a bit different than the original illustration (in a good way). We go over everything in detail on this episode. This episode will help you understand how a Participating Whole Life Insurance policy works, how commission on these policies work, how they are designed with Infinite Banking in mind, and other information important to know about like a MEC (modified endowment contract) status and dividends. /episode/index/show/wealthtalks/id/43205798

What is Wealth? | Episode 593 10/01/2026

What is Wealth? | Episode 593 Wealth is generated is many unique ways. Often times we associate wealth with monetary status, but it has been insightfully said that true wealth is what you have left when all your money is gone. This is an interesting perspective indeed. In this episode we talk about how wealth is created (even with no monetary transaction), we talk about real estate purchases and planning, we give an update on our Dad, and also, we have changes coming to the Wealth Talks podcast. We share what that change is going to be. /episode/index/show/wealthtalks/id/43122063

Rhinoceros Success | Episode 592 09/25/2026

Rhinoceros Success | Episode 592 This Podcast episode is about a book we recently came across and enjoyed so much we wanted to share it with you. Rhinoceros Success by Scott Alexander and forward written by Dave Ramsey, is a short humorous motivational book about developing a mindset and way of life that brings success. Using animals as metaphors. This vivid fast paced book will have you chuckling and laughing as you learn the secrets to personal growth and persistence. Core Concepts of the book: The Rhino vs. the Cow: The book splits people into two groups. Cows represent complacency, passive acceptance, and mediocrity. Rhinos represent aggressive goal-pursuit, thick-skinned resilience, and bold action. Charging: You are encouraged to wake up with immense energy, pick a clear target, and go after your dreams without letting small obstacles slow you down. Philosophy: This book aims to balance success across six core pillars: financial, work, physical, family, social, and spiritual Email the wealth talks podcast here: /episode/index/show/wealthtalks/id/43030943

Family Banking | Episode 591 09/16/2026

Family Banking | Episode 591 Family Banking lets you Build, Protect, and Control Your Family’s Wealth. Our family has been doing family banking for 19 years. We teach other people how to set it up. If you want to get started with family banking, we would love to help you: go to our website here and request an appointment: What if your family could become its own source of financing? In this episode we explore how families can use a properly structured system with the principles of Infinite Banking to build a strong financial foundation. Family banking works on basic principles of trust and relationships built over time. Families can use their own financial system to help pay for cars, education, businesses, real estate, and major or minor purchases—while continuing to build wealth. It's a banking system without the bank. Its a system built on trust and the biblical principle of: Whoever is faithful with little will also be faithful with much. Luke 16:10 What are some common mistakes with family banking? How do you structure it? Do i need a whole life policy? What does borrowing from the family banking system look like? These are some good questions to ask. Listen and learn more about Family Banking on this episode. This podcast is about one simple idea: put your family in greater control of their money and their future. It's empowering, fulfilling and builds generational wealth. /episode/index/show/wealthtalks/id/42925997

Make America Rich Again | Episode 590 09/09/2026

Make America Rich Again | Episode 590 Watch the video podcast on Youtube here: Join our discussion as we ponder: What does it mean to Make America Rich Again? Is America Rich like it once was? Steven doesn't think so...so how do we Make America Rich Again? Maybe Making America Rich Again isn't just about the money. How are the values of America doing? Is today's generation learning values and lessons from their parents and grandparents? How can people today become richer and enjoy a better quality of life? Is it possible to raise a family on a single income anymore? Is it possible to get rich in America today? Can we Make America Rich Again? **** This was a fun episode with questions, stories, pondering and observations. We would love to have you join the conversation in the comments below! What are your thoughts on Making America Rich Again? /episode/index/show/wealthtalks/id/42839275

Infinite Banking... Then What? Episode 589 09/02/2026

Infinite Banking... Then What? Episode 589 Is Infinite Banking the end all be all magic financial formula? No. However IBC can make everything you do financially better. Ben shares a recent example of how he used Infinite Banking to generate over 30% return in one of his businesses. This would not have been possible using a CD, 401k or other type of limited access investment tool. Using a well designed High Cash Value Participating Whole Life Insurance policy with Infinite Banking is an excellent building block to a successful financial foundation. It is a tool that gives you greater access, growth, control and return on your money. Contact: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/42713475

Premium vs Cash Value | Episode 588 08/25/2026

Premium vs Cash Value | Episode 588 If you want to understand how an Infinite Banking Policy for 2026 should function and be designed, you are in the right place. We have been practicing and designing infinite banking policies for the past nearly 20 years. A lot has changed with insurance products and designs over this time. Here is what you need to know: The relationship between premium, cash value and death benefit in a whole life insurance policy designed for infinite banking. Cash value in a well designed infinite banking policy will rise to exceed premiums paid guaranteed. After the initial startup phase, the cash value growth each year will outpase the premium paid by a significant amount. Not all policies are designed the same. Some Whole Life Insurance policies are very poorly designed, and will not grow or produce the cash value you want for infinite banking. /episode/index/show/wealthtalks/id/42537815

How Much Life Insurance Do You Need? | Episode 587 08/19/2026

How Much Life Insurance Do You Need? | Episode 587 How much Life Insurance coverage you needs depends on what your goals are with leaving a death benefit and using the living benefits of your life insurance policy such as with Infinite Banking. This episode will help you understand how much insurance coverage you need. After listening, you'll have a better understanding of how life insurance works, and have some realistic expectations for what growth and guarantees look like with purchasing and owning whole life insurance. Contact: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/42483300

Loan Interest and Infinite Banking | Episode 586 08/12/2026

Loan Interest and Infinite Banking | Episode 586 If you want to learn about how policy loan interest works on a whole life insurance policy and how that works with Infinite Banking, this is the episode for you. Having the ability to take a policy loan is a huge financial benefit, but you want to make sure and understand how the interest works on a policy loan before you use it so that you don’t destroy this asset and create a liability for yourself. Listen and learn how the interest on a policy loan works, including a few guidelines on things you want to watch out for when taking a policy loan, as well as a tip on repaying loan interest to save money. Contact info: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/42396170

How People Use Infinite Banking | Episode 585 08/05/2026

How People Use Infinite Banking | Episode 585 This episode is about how our clients have used Infinite Banking. Infinite Banking as the name suggest can be used for and infinite number of things. Some of the success stories our clients have used infinite banking for are encouraging, inspiring and just fun. Listen and get inspired and learn how you can better implement infinite banking to create a better financial future. In this episode: How our client used infinite banking to start a health food store How our client uses infinite banking to finance the floor plan at his car dealership How infinite banking can be used to finance a house in place of a traditional mortgage How one of our clients surprised their children with a downpayment *Please let us know in the comments or by emailing us at: [email protected] if you would enjoy following along for a tour of how David uses Infinite Banking to run his car dealership* Infinite Banking vs Mortgage Video: 📄 INFINITE BANKING MADE SIMPLE BINDER | Get the free binder here: /episode/index/show/wealthtalks/id/42321005

Investing with Infinite Banking | Episode 584 07/29/2026

Investing with Infinite Banking | Episode 584 Investing in Infinite Banking vs investing with Infinite Banking. What’s the difference? Today we’re talking about how you can use Infinite Banking with investments to grow your money even faster. A policy loan can be used for many different things, including investing. This can be investing in the stock market, investments in real-estate, business funding, financing your taxes, etc. Here is a real life example: Ben shares how he uses Infinite Banking to invest in his equipment business when he has the opportunity to buy a tractor or piece of equipment that can make him money. He shares how buying and selling equipment using Infinite Banking allows him to have quick access to his cash values, using them like a line of credit while they continue earning a great internal rate of return. Here is a video on How Indexed Universal Life Insurance Works: 📄 INFINITE BANKING MADE SIMPLE BINDER | Get the free binder here: /episode/index/show/wealthtalks/id/42248165

Tax Benefits of Infinite Banking | Episode 583 07/22/2026

Tax Benefits of Infinite Banking | Episode 583 Did you know you can use Infinite Banking to save money on your taxes? There are multiple tax benefits to using Infinite Banking, and in this episode, you'll learn a few smart tax strategies to save money on taxes by using Infinite Banking. With the infinite banking concept and Participating Whole Life Insurance, you get tax deferred growth on your money and get tax free access to this growth! BIG WIN! Don't overpay. Listen and start saving! 📄 INFINITE BANKING MADE SIMPLE BINDER | Get the free binder here: https://pages.mcfieinsurance.com/infinite-banking-made-simple-binder/?utm_source=mcfieinsurance.com&utm_medium=link&utm_campaign=podcast /episode/index/show/wealthtalks/id/42177765

How People Use Infinite Banking | Episode 582 07/15/2026

How People Use Infinite Banking | Episode 582 In this episode, you’ll learn how to use Infinite Banking even better by learning from the stories of other people. In this episode, learn about how people use Infinite banking to: · Build a family banking system · Build a health food store · Develop software · Build a new business · Purchase business equipment · Loan money to a friend · Pay for private school · Finance their tax bill · And MORE! Using Infinite Banking is an exercise in imagination. By hearing what other people are doing with infinite banking you can learn and implement the creativity that is working for others into your own life and boost your finances. Retirement Income using Infinite Banking | Episode 578: Real Estate Investing with Dr Steve| Episode 543: Infinite Banking and Real Estate | Episode 544: /episode/index/show/wealthtalks/id/42097325

How Much Money To Start Infinite Banking? 07/08/2026

How Much Money To Start Infinite Banking? Answers to questions about Infinite Banking such as: • How much money do I need to start Infinite Banking? • Should I pay off debt before starting Infinite Banking? • Does cycling money in and out of my policy grow it faster? • How to stop paying premiums on your Infinite Banking policy. • What is an RPU? Listen and get answers to all these questions and more in this episode of Wealth Talks podcast. /episode/index/show/wealthtalks/id/42001740

Is Infinite Banking only for the Rich? 07/01/2026

Is Infinite Banking only for the Rich? Infinite Banking can help you level up your financial game and build wealth faster, but there is a lot to understand and sort through to understand what is Infinite Banking? In this episode we answer questions about Infinite Banking, and discuss how you can level up your financial game and build wealth by doing what successful people do. Both strategy and philosophy. Some of the questions in this episode are: How is infinite banking different than regular banking? Why use whole life insurance? Why not term, why not indexed universal life insurance? How much do I need to do infinite banking? How much can I start with? Is Infinite Banking only for rich people? Can you earn a higher rate of return than with infinite banking? 📄 INFINITE BANKING MADE SIMPLE BINDER | Get the free binder here: Contact info: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/41914995

Is Infinite Banking only for the Rich? 07/01/2026

Problems with Infinite Banking Concept 06/24/2026

Problems with Infinite Banking Concept In this episode we go over some of the problems with Infinite Banking. Some of these problems are with the Infinite Banking Concept directly. Some are false teachings/marketing about the infinite banking concept. Other problems we address in this episode are personal problems that must be taken care in order to have success with practicing the Infinite Banking Concept. Watch Steven's video on IUL here: https://www.youtube.com/watch?v=cDrQ7OIYKQE&t=1019s /episode/index/show/wealthtalks/id/41782970

Infinite Banking Policy for Retirement 06/17/2026

Infinite Banking Policy for Retirement This episode is about how to use Infinite Banking as part of your retirement strategy. Infinite Banking is a financial tool that gives you a competitive edge in everything you do. Using The Infinite Banking Concept as part of your retirement planning gives you the flexibility of a very liquid asset that you can use for increasing your retirement income. Listen and learn about how you can use Infinite Banking to make your retirement even better. /episode/index/show/wealthtalks/id/41673440

Financing with Infinite Banking 06/10/2026

Financing with Infinite Banking This episode is about how to finance purchases with Infinite Banking. Using Infinite Banking like your own private bank provides you with flexibility, freedom and greater financial gain than using other financing methods. With interest rates no longer at record lows, Infinite Banking makes sense for many purchases that you finance all the time. When you listen to this episode you will realize the benefits of using Infinite Banking with a Whole Life Insurance Policy over just saving up and paying cash. Dave Ramsey teaches to pay cash and this can be good. Infinite Banking goes a step further and lets you earn interest on your money while also making a purchase. A good financial strategy is important in order to get ahead in todays financial world. Infinite Banking gives you the edge. 📄 INFINITE BANKING MADE SIMPLE BINDER | Get the free binder here: Contact info: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/41593130

How to use Infinite Banking Efficiently 06/03/2026

How to use Infinite Banking Efficiently In this podcast episode, we're going to discuss how to use the Infinite Banking Concept efficiently. As IBC practitioners, John and Ben share some of the things they have learned first hand by using Infinite Banking. Ben shares how he overextended when he first started purchasing whole life insurance policies for infinite banking. He explains what he did to fix this, and how he is using Infinite Banking now. Learning these does and don'ts from an Infinite Banking Practitioner is extremely valuable and will help make you more successful with practicing Infinite Banking. 📄 INFINITE BANKING MADE SIMPLE BINDER | Get the free binder here: Contact info: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/41517810

How to Start Infinite Banking 05/28/2026

How to Start Infinite Banking In today's economy, your need for financing is greater than your need for a rate of return. Recovering the interest you would normally pay to a bank for financing something is what Infinite Banking is all about. Getting started with the Infinite Banking Concept requires discipline. Infinite Banking is a longterm financial strategy and not something that is built overnight. Infinite Banking uses Participating Whole Life Insurance as part of the strategy to build a financing system where you can access capital to finance whatever you need, while your money is still earning a return. Infinite Banking is an excellent tool, and it makes everything you do financially, better. But you will never get any of the benefits of Infinite Banking unless you actually get started. In this episode you will learn everything you need to know to get started with Infinite Banking. Contact info: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/41446665

Nelson Nash Becoming Your Own Banker – How it got started 05/20/2026

Nelson Nash Becoming Your Own Banker – How it got started This is the story of how Nelson Nash discovered the Infinite Banking Concept, as written about in in his book Becoming Your Own Banker - unlocking the infinite banking concept. Nelson Nash wrote the book Becoming Your Own Banker and did seminars around the country teaching and sharing the Infinite Banking Concept. Since learning about Nelson Nash and Infinite Banking in 2005, we have been practicing and teaching The Infinite Banking Concept. We started McFie Insurance in 2007 to be able to sale life insurance specifically designed for Infinite Banking. Infinite Banking has made a huge difference in our life and is the reason we are still sharing it with others today. The Infinite Banking Concept is the key factor that lets you get ahead and level up financially. Watch this episode on YouTube here: /episode/index/show/wealthtalks/id/41347425

Our Thoughts on College - From 3 homeschooled brothers who skipped college 05/13/2026

Our Thoughts on College - From 3 homeschooled brothers who skipped college John, Ben and Steven McFie were home educated and are self-elected college opt-outs. All three of them are business owners and do not regret skipping a college degree. College can be a smart or a foolish decision depending on the circumstances. This episode is not meant to discourage or encourage a college education, but is rather about learning your options and gaining perspective so you can make a smart decision with your resources of time and money. Listen and hear stories, examples and their personal opinions on college education and schooling. /episode/index/show/wealthtalks/id/41273780

572 05/06/2026

572 These are the 5 Human factors from the book Becoming Your Own Banker (The Infinite Banking Concept) written by R Nelson Nash Parkinsons Law Willie Suttons Law The Golden Rule The Arrival Syndrome Use it or lose it In the book Becoming Your Own Banker, Nelson Nash writes, “If you control these 5 factors, you can be successful at Infinite Banking. And if you are successful with infinite banking it will put you miles ahead of your peers in the financial world.” It is important to master these 5 human factors. In this podcast episode we go over each of these 5 factors and discuss them in detail. If you are learning more about Becoming Your Own Banker, this is a great place to start. Learn all about Becoming Your Own Banker and the infinite banking concept on audio with this podcast. Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/41158860

571 Audio 04/29/2026

571 Audio Indexed universal life insurance, commonly called by it's acronym IUL, is one of the most complex types of life insurance, and its complexity often makes it difficult to understand. In this episode we break Indexed Universal Life Insurance down into simple plain english, making it easy to understand. You'll learn the history of IUL, what it its, how it works and if its right for you. Download Binder on Understanding IUL Here: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/41056465

Gulf Shores Beach Report 04/22/2026

Gulf Shores Beach Report Vacation has a way of bringing you a new perspective on life. A change of scenery, new experiences, a different schedule and different culture. We went on vacation, and have some aha moments from our trip to share with you. Traveling from Indiana down through Kentucky, Tennessee, Georgia, and Alabama, we went vacation at Gulf Shores Beach on the Gulf of America. We visited Buc-ees for the first time and learned about how much brisket they go through per day! We fished in the Gulf of America Shell finding on the beach and A detour on the way home to buy a piece of machinery Hear about all this and more in this weeks episode of Wealth Talks Podcast. /episode/index/show/wealthtalks/id/40969205

Forced Savings 04/15/2026

Forced Savings Some people see forced savings as a negative limiting rule they are bound to, while for some it provides guidelines to help them thrive. Is forced savings a good thing for you? Does it limit you? Let us know how you feel about it. Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/40818260

568 Audio 2 04/08/2026

568 Audio 2 Learn about Whole Life Insurance and how it works, the pros and cons of whole life insurance, how you can use whole life insurance cash value and loans. Also in this episode learn more about Indexed Universal Life Insurance. Is IUL really a permanent life insurance policy? Does universal life insurance work well? Does term life insurance have a benefit if you're single or already have life insurance coverage? Most people think life insurance is about what happens when you die. Participating whole life insurance is a financial asset you build equity in while you're alive, and can use as a financial tool. Here is a comprehensive downloadable detailing all about Whole Life Insurance, and how Participating Whole Life Insurance Works: Follow the Wealth Talks Podcast on: Instagram: Facebook: Listen to the Wealth Talks Podcast on: YouTube: Apple Podcasts: Spotify: /episode/index/show/wealthtalks/id/40753270

Wealth Talks

TOPICS