Privatized Banking

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.…

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…

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…

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…

The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I’m worried I’m losing ground to inflation and missed opportunities.” Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe,…

Why the Indexed Universal Life lawsuit is a wake-up call The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from thoughtful families: is my policy designed to serve me, or to serve a sales incentive? This isn’t tabloid noise. It’s a real-world reminder that choices…

 “It’s not the math. It’s the mindset.” When Bruce recorded this episode solo, he opened with something we’ve learned after thousands of client conversations: the biggest Infinite Banking mistakes aren’t about policy illustrations or carrier choice. They’re about us—our habits, our thinking, and the quiet patterns we bring to money. I remember Nelson Nash repeating,…

The Gas Station Story That Reveals a Common Money Mistake Let me paint a picture for you. You’re driving down the highway and see gas at $3.00 a gallon. Three miles later, you spot it for $2.97. You think, “Yes! A deal!” So you turn around, drive the extra six miles, and save… 30 cents.…

When Bruce came back from recording this episode of The Money Advantage podcast, he told me something that hit hard: He shared how frustrated he feels every time he hears about a family who loses a loved one without proper life insurance. Suddenly, their friends and community are scrambling to create a GoFundMe page just…

Have you ever heard someone say you can use an IUL for Infinite Banking? Maybe you’ve seen a slick video online, or a persuasive advisor with charts and projections that promise you higher returns, flexible premiums, and “upside potential.” It sounds convincing—especially when you compare the numbers on an illustration. Who wouldn’t want more cash…