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.

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

Recover Interest With Infinite Banking 04/22/2025

Recover Interest With Infinite Banking In the 1990s, Americans on average were spending 34.5 cents per every dollar on interest. That means when you make 1,000 dollars, you only get to keep 655. If this is what was happening 30 years ago, imagine how bad it is today! This podcast is about How to Keep More of the Money You Make by recovering interest cost in your life. Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/36254380

Things To Know About Money & Interest 04/21/2025

Things To Know About Money & Interest There are two ways to gain experience in life. You can get experience personally or you can get it secondhand by watching and learning from other people’s experiences. If you can successfully learn from other people’s experiences you can get ahead much faster in life. It has been said that a joint venture is where one party brings experience, one party brings money and at the end of the venture the parties have switched...the party who brought experience ends up with the money and the party who brought the money ends up with experience. In this podcast we are going to be sharing other people’s experiences with money and interest. These real life stories have some very good learning opportunities that can help you grow your wealth better. Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/36139390

How to Become Your Own Banker 04/08/2025

How to Become Your Own Banker First off, is an overview of how banking works. The way a bank manages their deposits, loans, assets and liabilities is the key to how they make money. By understanding and following some of the same principles a bank uses, you can self finance items in your life and earn the interest you would have otherwise paid to someone else. This is often referred to as Becoming Your Own Banker, or The Infinite Banking Concept. Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/36047650

515 AUDIO 04/01/2025

515 AUDIO People are in a big middle-class squeeze right now. Paychecks seem stuck while expenses go up and up. Housing, healthcare, debt—the middle class is juggling it all - with no safety net, in many cases. Sometimes affordability feels like a myth but we’re helping people fight back to attain financial stability and success. Today we’re talking about very real financial struggles which most people in middle-class America are facing along with solutions to help you make progress regardless of where you’re starting. Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/35949365

Infinite Banking, Banks, and Insurance Companies 03/25/2025

Infinite Banking, Banks, and Insurance Companies Did you know that no insurance company truly 'does' Infinite Banking—but many offer the keys to unlock its potential? We'll break down how top life insurance companies offer policies that can unlock the power of infinite banking, even when they're not promoted that way. Learn about: What characteristics separate a good infinite banking policy from a standard life insurance policy. How dividend performance (PWLI) impacts a policy's long-term value and the mechanics of policy loans. Why some companies might discourage or limit these loans and the potential implications for policyholders. Mutual vs Stock company dynamics with Infinite Banking. Direct vs Non-Direct Recognition - interest rates / cash value growth. Riders available. Some companies offer PUA and term rider combination for high cash value /episode/index/show/wealthtalks/id/35848995

Infinite Banking Confusion 03/18/2025

Infinite Banking Confusion Much has been written, published and said about Infinite Banking. Sometimes it feels confusing to decipher what’s really accurate. If you ever feel confused, you'll enjoy this podcast. We're going to shed some light on popular misunderstandings surrounding Becoming Your Own Banker and The Infinite Banking Concept. Points of common confusion: Treating Infinite Banking as an Investment - Just looking at the ROR versus the Return of Money Viewing Infinite Banking as a product rather than a process Thinking of a life insurance policy as a bank. Trying to borrow money and repay it, just to make the policy grow better /episode/index/show/wealthtalks/id/35739755

Infinite Banking Q&A 03/11/2025

Infinite Banking Q&A Did you know you can earn a positive average rate of return and still loose money? ...You can! Can IBC be used well in this economic climate? It can, and we are... Ben shares an investment he is doing with The Infinite Banking Concept right now. We read through more reddit questions this week, and you'll get to hear about: The Nelson Nash Golden Rule 4 major reasons to own Whole Life Insurance A question about a Penn Mutual Policy plus more This is an episode you don't want to miss. /episode/index/show/wealthtalks/id/35612355

Infinite Banking on Reddit 03/04/2025

Infinite Banking on Reddit Today were going to go to Reddit and read what people are saying about Infinite Banking. Then we'll respond to them right here on the Wealth Talks Podcast. You don't want to miss this! Watch this episode on video here: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/35522505

510 Audio 02/25/2025

510 Audio ***Watch to the End! Some people have a bad experience with the Infinite Banking Concept. We'll share what happened.*** People ask how much money do you need for Infinite Banking or they assume they need to have more than they do, in order to benefit from Infinite Banking. On the flip side, people who have more money sometimes think Infinite Banking is only for people who have less money. What is the truth? Do you have to have lots of money to use infinite banking or do you only need to have a little? Or, is there a golden number somewhere in between that really makes the Infinite Banking Concept work? Listen and find out the answer to these questions and more! Watch this episode on video here: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/35417055

Infinite Banking for Families 02/18/2025

Infinite Banking for Families In this episode of the Wealth Talks Podcast we get to talk about one of the foremost reasons we use the Infinite Banking Concept and that has to do with our family. We explain how we've structured our finances even beyond using the Infinite Banking Concept and how that works for us. The Infinite Banking concept is a wonderful thing for families because it can help families build wealth faster and establish a family economy. If you have a family you will love this. Watch this episode on video here: Listen to the Wealth Talks Podcast on: Apple Podcasts: Spotify: Youtube Music: /episode/index/show/wealthtalks/id/35321885

Infinite Banking For Business Owners 02/11/2025

Infinite Banking For Business Owners Business owners have the opportunity to use the Infinite Banking concept and Whole Life Insurance in some very creative ways to benefit their business. We're going to talk about how one company is using whole life insurance to create a very nice financial arrangement for the owners. Listen and Enjoy! Dry Cleaning equipment: https://www.sankosha-inc.com/dry-cleaning-equipment.php /episode/index/show/wealthtalks/id/35227480

How to Buy Things with Infinite Banking 02/04/2025

How to Buy Things with Infinite Banking In this episode we are going to talk about how to buy things with the Infinite Banking Concept. We talk about how to use Infinite Banking with a credit card to maximize your returns and create cash flow. We'll share details on things we've financed using IBC, and you'll get ideas on things you can self finance in your life. If you own your own business or want to own your own business you will want to hear what we talk about in this episode. Business owners love Infinite Banking. We'll share some specific business owner self financing opportunities in this episode as well. Enjoy! Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch on: YouTube: /episode/index/show/wealthtalks/id/35140590

Infinite Banking Life Insurance 01/28/2025

Infinite Banking Life Insurance In this episode we are talking about Infinite Banking policies.What kind of life insurance policy you want for the Infinite Banking Concept and how to tell the difference between good and bad Policies. We get quite a few policies that come in to our office for review. Sadly a lot of these policies are pretty bad, but that’s also kind of good news in a strange way because the sooner you know you have a bad policy the sooner you can handle that problem, and get the policy you wanted to begin with. There’s a lot of things you need to know to get the best life insurance policy for the Infinite Banking Concept, but there is also a lot of things you don’t need to know and if you stop to analyze all of them, it can delay you from actually getting started. Davy Crockett’s motto was purportedly “Be sure you’re right then go ahead.” That’s some of the best advice when it comes to The Infinite Banking Concept too. If you are practicing the Infinite Banking Concept and you don’t know beyond a shadow of a doubt whether your policy is good or bad, make sure you contact us to get a policy review, It’s is so worth the financial peace of mind. Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" https://podcasts.apple.com/gb/podcast... Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalks... Facebook: https://www.facebook.com/profile.php?... Watch on: YouTube: https://www.youtube.com/watch?v=x3PB3eDjkLg /episode/index/show/wealthtalks/id/35041115

Does Infinite Banking Really Work? 01/21/2025

Does Infinite Banking Really Work? Some people love the infinite banking concept and use it a lot, some people look at it for years without trying it at all, some people never try it and some people start and then stop. There has got to be more than one opinion on whether the Infinite Banking Concept works or not, but today you are going to get our opinions. Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" https://podcasts.apple.com/gb/podcast... Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalks... Facebook: https://www.facebook.com/profile.php?... Watch on: YouTube: /episode/index/show/wealthtalks/id/34930055

How To Get More Benefits From Infinite Banking in 2025 01/14/2025

How To Get More Benefits From Infinite Banking in 2025 In this episode we are talking about what people need to know to get the MOST benefit from the Infinite Banking Concept. The most important thing people need to know, to benefit from the Infinite Banking Concept, is how to get started. There are a lot of benefits to be had from the Infinite Banking Concept but you won’t get ANY of them, unless you get started. What people need to know to get the MOST benefit from the Infinite Banking Concept is how to expand their system of Infinite Banking policies properly. That’s what we are talking about today. After this episode you will know how to expand your system of policies. If you have any questions about how you specifically, in your current situation, should get more involved with the Infinite Banking Concept, I would suggest contacting us. We have personally been using and teaching the infinite banking concept for more than 17 years. We know how to use it, we know how to get the benefits of the Infinite Banking concept and we know how to help you do the same. With the new year just getting underway, what better time than now to make sure you are getting the benefits of the Infinite Banking Concept? Children's Books: https://mcfieinsurance.com/store-detail/#WhatIHeardInTheHall Wise Man Foolish Man card game: Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" https://podcasts.apple.com/gb/podcast... Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalks... Facebook: https://www.facebook.com/profile.php?... Watch on: YouTube: /episode/index/show/wealthtalks/id/34842250

Getting the Benefits of Infinite Banking in 2025 01/07/2025

Getting the Benefits of Infinite Banking in 2025 We NEVER hear people say “I wish I would have waited a little bit longer before I got started with the Infinite Banking concept”. We DO here people say, “I wish I would have known about this sooner.” This begs the question, “How do you “get started” with the infinite banking concept?” We are going to answer that question today and we are going to answer it in detail because getting started with the Infinite Banking Concept will look a little bit different for everyone. If getting started with the Infinite Banking Concept is one of your goals for the new year, be sure to call us at McFie Insurance, We can help you make that goal a reality. Over the last 16 years, dozens of people, probably hundreds of people have said, “I wish I had started this sooner.” But never have I heard anyone say, “I wish I would have waited a little longer to get started.” To contact McFie insurance you can call us at 866-502-2777 or you can email us: our email address is [email protected] Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" https://podcasts.apple.com/gb/podcast... Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalks... Facebook: https://www.facebook.com/profile.php?... Watch on: YouTube: https://www.youtube.com/watch?v=x3PB3eDjkLg /episode/index/show/wealthtalks/id/34759615

Infinite Banking Review and planning for 2025 12/31/2024

Infinite Banking Review and planning for 2025 We have been using the Infinite Banking Concept personally for 19 years at this point. Although the way we have used it changes over the years as the economic environment changes, The Infinite Banking concept still works just as good as ever. The Infinite Banking Concept is an idea, It’s how you think about money. New Years are incredibly popular times people resolve to improve their lives and their futures, but tragically they tend to be the beginning of yet another failure to people who don’t plan first, then prepare and then take action on their programs. We want to encourage you to take a moment and make a plan to succeed in 2025, once you have a plan together then you will know how to prepare for action and that will put you on the trail to accomplishing your goals. Link to video with Alex: https://www.youtube.com/watch?v=KW0UkMsTgIg&t=15s If getting started with the Infinite Banking Concept is one of your goals for the new year, be sure to call us at McFie Insurance, We can help you make that goal a reality. Over the last 16 years, dozens of people, probably hundreds of people have said, “I wish I had started this sooner.” But never have I heard anyone say, “I wish I would have waited a little longer to get started.” To contact McFie insurance you can call us at 866-502-2777 or you can email us: our email address is [email protected] Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" https://podcasts.apple.com/gb/podcast... Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalks... Facebook: https://www.facebook.com/profile.php?... Watch on: YouTube: https://www.youtube.com/watch?v=x3PB3eDjkLg /episode/index/show/wealthtalks/id/34665545

Tucker Carlson and Dave Ramsey 12/24/2024

Tucker Carlson and Dave Ramsey Recently Tucker Carlson interviewed Dave Ramsey. Dave Ramsey is a well known name in personal finance. I listened to the interview, I was impressed. Dave has a large personality and although we disagree with him strongly on certain points especially, life insurance and money management, he can be a good wake up call for people who are living in the bondage of debt, spending more money than they make and not getting ahead financially in life. We have helped many people who first started with Dave Ramsey to get in control of their financial lives. Dave Ramsey will probably never understand Whole life insurance and the power of the Infinite Banking Concept, but he does help people who are in bad financial shape get control of their situation. Once someone is in control of their financial life, we hope they will continue to learn and grow, become better money managers and start a legacy of financial freedom in their family. /episode/index/show/wealthtalks/id/34588895

Should You Pay Income Taxes? 12/17/2024

Should You Pay Income Taxes? There is a report showing that over 5800 IRS and contractor employees owe nearly 50 million dollars of overdue taxes. It also appears by the looks of things that many of the employees are wilfully evading taxes… It seems like they know the system well enough to know how much they can get away with and they’re doing it. The IRS acknowledges this is happening, they seem to have metrics on it because out of the 70 employees who they claim are “willfully evading” taxes, they have fired 20. What do you think would happen if every American started to evade taxes, but less than one third of them had any consequences for doing so? Listen Now and tell us what you think in the comments. Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch on: YouTube: /episode/index/show/wealthtalks/id/34481525

My Dad's Financial Habits 12/10/2024

My Dad's Financial Habits It has been said that the next generation will be able to rise as high as they can rise by standing on the shoulders of the generation before them. My Dad gave my siblings and me the opportunity to rise higher with the foundation he gave us, and in turn, we hope to do the same for our children. It is a beautiful thing to see how the actions of a person can aid their posterity. It is a tragic thing to see how the actions of a person can setback their legacy and stunt their posterity. If you haven’t already, please write a review for The Wealth Talks Podcast before we reach 500 episodes. The 500th episode is a major milestone and we would love to have you be part of it. Your reviews mean a lot to us and The Wealth Talks Podcast. Thank you! Please review us on Apple Podcasts: Go to the podcast app and write a review or go to this link, click listen on Apple Podcasts then scroll down and click "write a review" Follow the Wealth Talks Podcast on: Instagram: Facebook: Watch on: YouTube: /episode/index/show/wealthtalks/id/34358800

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