IUL Caps, Fees, and Performance Limits

What if your money stopped dictating your schedule and started supporting the life you actually want to live?

Joe Saul-Sehy welcomes CFP Dana Anspach of Sensible Money as special guest co-host for an episode featuring this week's mentor, Andy Hill. Andy shares how he stepped away from the corporate grind, redesigned his priorities, and built a life where family and flexibility came first. His story isn't about escaping work. It's about building a financial foundation that gives you options.

Then the conversation shifts to a headline that caught everyone's attention: NASCAR driver Kyle Busch and his wife Samantha are suing their insurance company, calling the life insurance they purchased "a scam." Dana uses this case to break down one of the most misunderstood areas in personal finance: life insurance. From Indexed Universal Life (IUL) policies to knowing when insurance is a tool and when it's a distraction, she shows how clarity of goals should drive every decision and how to avoid the traps that caught even high earners like the Buschs.

The episode also touches on estate planning, scams to watch out for, how young adults should think about budgeting and debt, and how to evaluate whether paying off loans or investing is the better move for your situation. It connects the dots between time freedom, smart planning, and protecting what you're building.

What You'll Learn:

• How to design your finances around the life you want, not just the paycheck you earn

• What "owning your time" really means and how to start moving in that direction

• Why your financial plan should begin with values and priorities, not products

• How to think about entrepreneurship without blowing up your financial stability

• What the Kyle Busch insurance lawsuit reveals about life insurance products and sales tactics

• The truth about Indexed Universal Life insurance and when it may or may not make sense

• How to evaluate life insurance based on goals instead of sales pitches

• How estate planning protects your family and your legacy

• The pros and cons of paying off loans versus investing

• Budgeting principles that help young adults build strong money habits early

• How to recognize and avoid financial scams (including insurance product traps)

• Why celebrating progress matters just as much as setting the next goal

This Episode Is For You If:

• You feel like your money controls your life instead of supporting it

• You want more flexibility and time freedom but don't know how to fund it

• You're confused about whether life insurance products are helping or just costing you (especially after hearing about the Busch lawsuit)

• You're trying to figure out the right order of financial moves (debt vs investing, insurance vs saving)

• You want your financial plan to reflect your actual values, not just what you're "supposed" to do

This episode is about aligning your money with your life. If you're ready to stop reacting to your finances and start using them to build more freedom, flexibility, and confidence, this one belongs at the top of your queue.

FULL SHOW NOTES: https://stackingbenjamins.com/own-your-time-with-andy-hill-and-dana-anspach-1793

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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