Posts by Rachel Marshall
What Is Limited Pay Life Insurance?
What Is Limited Pay Life Insurance? Most people assume that owning a whole life insurance policy means writing premium checks for the rest of their lives. It’s one of those assumptions that gets repeated so often it starts to feel like a rule. But it isn’t. A limited pay life insurance policy lets you fully…
Read MoreWhat Is an Indexed Universal Life (IUL) Policy?
Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance. IUL insurance has become one of the most aggressively marketed policy types in the industry, pitched with language that sounds almost too good to overlook, including terms such as market-linked upside, downside protection, tax-advantaged growth, and flexible premiums.…
Read MoreFinancial Literacy for Gen Z: Why Game-Based Learning May Be the Better Way
What an Old Game Revealed About Real Money Decisions One of the most interesting moments in our conversation with Lucy Taylor had nothing to do with spreadsheets, calculators, or even investing. It was a game. Bruce brought up Oregon Trail—an old-school game where every decision mattered. How many supplies would you take? How much risk…
Read MoreInfinite Banking Policy Design for Long-Term Results
If You’re Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money – coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps…
Read MoreRoth Conversion Strategy: When It Makes Sense, What to Watch For, and How It Affects Your Heirs
“I’m Not Paying for Oil—I’m Protecting the Engine” There’s a moment in our house where Lucas will look at me—calm as can be—and say, “Rachel… I’m not paying for oil. I’m protecting the engine.” And every time he says it, it reminds me of how people think about taxes. Because an oil change feels annoying.…
Read MoreWhat Is Reduced Paid-Up (RPU) Insurance?
What Is Reduced Paid-Up (RPU) Insurance? Somewhere buried in your whole life insurance policy, there’s a provision called the reduced paid-up option. Most people never think about it until they need to. And by then, they’re usually Googling it in a mild panic. So let’s get ahead of that. Reduced paid-up insurance is a nonforfeiture…
Read MoreHow to Turn Savings Into Wealth: The System Most People Miss
The $15 Lunch That Quietly Steals the Future Bruce and I were talking recently about something that looks harmless on the surface—and yet it explains why so many people feel stuck. Bruce went to lunch and noticed groups of high school kids spending $15–$20 a day at a sit-down restaurant. Every day. And it hit…
Read MoreInvesting vs Owning Assets: The Unseen Wealth Gap Most Families Never See
Investing” Is Not the Same as “Owning” A client said something to Bruce recently that stuck with me: “I despise the idea of a 401(k)… but I also know I’ll spend the money if it hits my checking account.” That single sentence captures the tension so many families feel. On one hand, you want control.…
Read MoreNelson Nash Think Tank 2026 Recap: What Serious Practitioners Want Families to Understand
The “Real Show” Reminder (and why that matters) We kicked off this episode the way we often do—by being real. A quick tech hiccup, a laugh, and the reminder that this is not a polished production pretending to be perfect. It’s a real show, with real people, talking about real money decisions. And that imperfect…
Read MoreMarshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6)
The moment we realized “liquidity” isn’t a theory Thirteen years ago, Lucas and I thought we were being responsible by storing a lot of our capital in gold and silver. It felt safe. It felt timeless. It felt like the kind of move people make when they’re thinking long-term. And then we needed cash. Not…
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