The Money Advantage Podcast

Explore the resilience of whole life insurance during economic chaos, tracing its role from WWII to today’s financial uncertainties. Discover how Infinite Banking offers stability amidst potential dollar fluctuations and high national debt. Delve into the safety provided by cash value life insurance against other unpredictable investments. The discussion highlights the importance of an abundance mindset and effective financial strategies to navigate and optimize personal finances during turbulent times.

https://www.youtube.com/live/34XTxCC807g In seventh grade, Mark Anderson mowed lawns for $3.50 a yard, saving diligently for his first major purchase—his future wife Amy’s engagement ring. Fast forward to today, Mark and Amy Anderson, founders of Anderson Technologies and Anderson Archival, are passing down a much larger legacy: a thriving multi-generational business. Their story, filled with grit, humility, and purpose, offers profound insights for business owners planning the delicate handoff from one generation to the next. The Power of Multi-Generational BusinessThe Founding Story: Building with PurposeGrowing a Family While Growing a BusinessInviting the Next Generation: Creating Opportunity Without PressureThe Transition Process: Planning for SuccessThe Role of Legacy and Long-Term VisionA Roadmap for Multi-Generational SuccessBook A Strategy Call The Power of Multi-Generational Business Transitioning a business from one generation to the next is not merely a transaction; it’s a journey. It’s about more than dollars, contracts, or even systems. It’s about preserving passion, fostering innovation, and creating a legacy that spans decades. As Mark and Amy shared on The Money Advantage Podcast, their experience highlights key strategies for navigating this process with intention and grace. Whether you're the founding generation or preparing to take the reins, this article will guide you through the pivotal moments of transitioning a family business. By the end, you’ll feel inspired and equipped to foster generational success while ensuring your business thrives in capable hands. The Founding Story: Building with Purpose For Mark and Amy, entrepreneurship began with a shared passion for problem-solving and a knack for technology. Starting Anderson Technologies in 1995, they combined their unique strengths—Mark’s entrepreneurial mindset and Amy’s technical expertise. From humble beginnings in their home office, they built a business focused on serving others, whether managing IT systems or preserving priceless family archives. Their story reminds us that successful businesses start with a commitment to solving real problems and serving people, a foundation crucial for enduring success. As Amy aptly said, "Small business is the backbone of America." And with that ethos, they instilled purpose and pride into their work from day one. Growing a Family While Growing a Business Starting a family while running a business added complexity—but also clarity. For the Andersons, family always came first. They transitioned to a separate office space, carefully balancing the demands of entrepreneurship with parenting. A pivotal decision was fostering their children’s understanding of the business without pressuring them into it. “We didn’t want the business to ruin our kids’ lives,” Amy reflected. Instead, they modeled hard work, character, and the joy of serving others through their work—values that naturally attracted their children to consider joining the business. Their story shows that the early years of business ownership aren’t just about building systems; they’re about building values that can be passed on to the next generation. Inviting the Next Generation: Creating Opportunity Without Pressure For years, Mark and Amy assumed they would sell their business. That changed when their daughter Hadley and son-in-law Corbett surprised them with a question: “Would you ever consider letting us join the business?” Rather than offering immediate ownership or privileges, the Andersons maintained a structured approach. Hadley and Corbett applied for roles within the company anonymously, undergoing the same rigorous hiring process as any other candidates. This ensured respect from the existing team and set the stage for them to earn their positions through merit. This careful balance—providing opportunity without entitlement—is a model for any family business. By setting clear expectations and requiring their children to work elsewhere before joining the company, the Andersons laid the groundwork for a smooth transition. The Transition Process: Planning for Success Recognizing the complexity of passing a business to the next generation, Mark and Amy sought guidance from experts. Partnering with CMA Global Consulting, they underwent a rigorous evaluation process to assess the readiness of both generations. One of the most valuable insights was ensuring that any transition aligns with the family’s values and dynamics. The Andersons used tools like family councils and clear communication to nurture trust and collaboration. They also embraced the Entrepreneurial Operating System (EOS), which helped define core values like “humbly intelligent” and “golden character”—values that continue to guide their team. Crucially, they acknowledged that letting go is as important as mentoring. “You don’t want to hang on longer than you should,” Mark explained. By stepping back from day-to-day leadership, they allow the next generation to innovate and grow the business in new directions. The Role of Legacy and Long-Term Vision As the Andersons prepare for the next phase, they’ve embraced the concept of “long-term thinking.” They’ve started planning for generation three, ensuring that the business remains a platform for innovation and service for decades to come. Mark and Amy’s approach highlights the importance of balancing present operations with future vision. Whether through establishing family boards or mentoring younger generations, their story illustrates how intentionality can sustain a business—and a family—over time. A Roadmap for Multi-Generational Success The Andersons’ journey offers a roadmap for building and transitioning a multi-generational business: Start with Purpose: Build your business on values that transcend generations. Integrate Family and Business: Prioritize family without neglecting the systems and culture of your business. Invite, Don’t Pressure: Create opportunities for the next generation to join on their terms. Seek Expert Guidance: Use advisors and systems to navigate the complexities of succession. Think Long-Term: Plan not just for the next generation but for generations beyond. These principles empower business owners to create a legacy that lasts, inspiring the next generation to carry the torch with confidence and pride. Book A Strategy Call Are you ready to take control of your finances and legacy? We offer two powerful ways to help you create lasting impact: Financial Strategy Call – Discover how Privatized Banking, alternative investments, tax-mitigation, and cash flow strategies can accelerate your time and money freedom while improving your life today. Let us show you how to align your financial resources for maximum growth and efficiency. Book a Strategy Call with our team today. Legacy Strategy Call – If you want to uncover your family values, mission, and vision, and create a legacy that’s about more than just money, we can guide you through the process of financial stewardship and family leadership. Save time coordinating your family’s finances while building a legacy that lasts for generations. Book a Legacy Strategy Call to learn more about how we can help. We specialize in working with wealth creators and their families to unlock their potential and build a meaningful, multigenerational legacy.

It helps to know where the insurance company puts your premiums to work to understand how an uninterrupted compound interest life insurance policy can reliably build wealth. https://www.youtube.com/live/zoWGLogOJk4 When it comes to financial security and control, many people seek clarity around Infinite Banking and the role life insurance plays. The idea of using whole life insurance to gain financial control, create guaranteed growth, and build generational wealth sparks curiosity about how life insurance companies actually manage the funds. In today’s post, we’re exploring where life insurance companies invest their money. Many people bring misconceptions into conversations about finance, especially around life insurance. They’re often convinced by past experiences or teachings that certain financial products or strategies are inherently “better.” However, as Bruce Wehner shared recently on our podcast, one of his clients experienced a breakthrough moment—a realization about why using whole life insurance with a shorter, more limited period to pay premiums actually limited his options later. With a longer, more flexible term, he gained more control, allowing him to maximize the power of his policy long-term. Moments, like these highlight that, sometimes, truly understanding a financial concept, requires experience. In this blog, we’ll address these essential questions: Where Do Life Insurance Companies Invest Their Money? Why Not Indexed Universal Life (IUL) for Infinite Banking? Mutual Companies vs. Mutual Holding Companies: What’s the Difference? Is the interest on a life insurance loan variable, and can it change while there’s an outstanding loan? Where Do Life Insurance Companies Invest Their Money?Bonds: The Foundation of StabilityMortgage-Backed Securities: Real Estate Without the RiskDerivatives: Careful Risk ManagementPolicy Loans: A Win-Win InvestmentWhy Not Indexed Universal Life (IUL) for Infinite Banking?What Infinite Banking Actually IsWhy Whole Life Wins Over IULNelson Nash's Clear PositionMutual Companies vs. Mutual Holding Companies: What’s the Difference?Mutual Holding Company StructurePractical Differences for PolicyholdersIs the interest on a life insurance loan variable, and can it change while there’s an outstanding loan?Fixed vs. Variable Interest RatesInterest Rate Caps and ProtectionHow Interest CompoundsPayment TimingWhy This Matters for Your Financial FutureBook A Strategy Call Where Do Life Insurance Companies Invest Their Money? One common question we hear is, “How do life insurance companies invest their money, i.e. the premiums they collect?” Understanding this can add peace of mind about how your policy will perform in the long run. Due to stringent regulations, life insurance companies are required to invest conservatively to ensure they can always meet their policyholder obligations. Here’s a breakdown of their primary investment allocations: Bonds: The Foundation of Stability Approximately 85% of a life insurance company’s assets are invested in bonds, both from U.S. Treasury and corporate issuers. Bonds provide a stable and predictable income stream, essential for meeting guaranteed cash value growth. This massive allocation isn't by accident. Life insurance companies favor high-grade corporate bonds and government securities because they offer reliable interest payments over fixed periods.  Unlike stocks, which can fluctuate wildly, bonds provide steady returns that allow insurance companies to make good on their promises to policyholders.  The bond portfolio typically includes a strategic mix of short-term, medium-term, and long-term securities. This laddering strategy ensures companies maintain liquidity for immediate policyholder needs while capturing higher yields on longer-term bonds. Mortgage-Backed Securities: Real Estate Without the Risk Many companies also invest in highly collateralized real estate mortgages. These are chosen for their relatively low risk and consistent returns. Mortgage-backed securities are backed by pools of residential or commercial mortgages, spreading risk across hundreds or thousands of individual loans. The appeal lies in predictable cash flows. Monthly mortgage payments provide a steady income that can be perfectly matched against policy obligations.  Even if borrowers default, the underlying real estate collateral provides additional security, making these investments ideal for the conservative approach that protects your policy's stability. Derivatives: Careful Risk Management Some life insurance companies hold a small portion of their assets in derivatives—about 3-4%. While derivatives can be riskier, insurance companies manage them very carefully to limit exposure. Contrary to popular belief about derivatives being speculative, insurance companies use them primarily for hedging and risk management. Interest rate swaps might manage the risk of changing rates affecting bond portfolios, while currency derivatives could hedge foreign exchange risk for companies with international operations. These instruments face heavy regulation and monitoring. Insurance companies must demonstrate that derivatives serve legitimate business purposes. Policy Loans: A Win-Win Investment Another portion of the company’s revenue comes from loans to policyholders. Interestingly, life insurance companies appreciate the stability these loans provide.  Since they hold the policy’s cash value as collateral, they reduce long-term liabilities for the company and simultaneously offer a secure, predictable return. When you borrow against your policy's cash value, the insurance company shifts money from other investments to policy loans. From their perspective, this is often attractive. Policy loans typically carry competitive interest rates with even greater security since your cash value serves as direct collateral. This creates a unique win-win situation. You get access to capital without tax consequences or credit checks, while the company gets a secured, predictable return.  Meanwhile, your policy's cash value continues to grow and compound, though the specific crediting mechanics may vary by company.  This ongoing growth, combined with the loan's flexibility, creates the uninterrupted compound interest life insurance policy structure that makes Infinite Banking so effective for long-term wealth building. This blend of conservative investments enables life insurance companies to provide the guarantees that form the backbone of whole life insurance policies. Why Not Indexed Universal Life (IUL) for Infinite Banking? One of the first questions we often hear is: “Isn’t Infinite Banking a strategy that can be used with different insurance products, like IUL or whole life?” Let’s clear that up. What Infinite Banking Actually Is Infinite Banking is a cash management strategy. It’s a process of storing and accessing your capital, and it allows you to earn interest on your money even when you’re using it. The critical part of Infinite Banking is uninterrupted compound growth. In Infinite Banking, you’re not just buying a life insurance policy—you’re using whole life insurance as a tool to hold, grow, and leverage your capital over time. Why Whole Life Wins Over IUL But here’s why whole life insurance, not IUL, is the best choice for Infinite Banking. Infinite Banking relies on having certain guarantees. In a whole life policy, the insurance company guarantees the premium amount, cash value growth, and death benefit. With IUL, those guarantees don’t exist in the same way. IULs, on the other hand, expose policyholders to risks tied to the performance of external indexes or interest rates, which lack the same predictability.  Simply put, Infinite Banking is about guarantees and control—and whole life insurance delivers both. Nelson Nash's Clear Position Nelson Nash, the founder of Infinite Banking, was clear about only recommending whole life insurance for this strategy. He understood the importance of guaranteed growth without the risk of fluctuating interest rates or diminishing returns. So, when someone suggests using an IUL for Infinite Banking, it’s essential to remember that true Infinite Banking requires whole life insurance to ensure stability and long-term value. Mutual Companies vs. Mutual Holding Companies: What’s the Difference? Another question is whether a mutual company or a mutual holding company is better for policyholders. Here’s what you need to know: In a true mutual company, policyholders own the company, which means the company is designed to serve its policyholders first, returning profits to them in the form of dividends. Mutual Holding Company Structure A mutual holding company structure involves a mutual company that has reorganized to include a holding company. This holding company may partner with a stock company while still being primarily owned and controlled by policyholders. Importantly, the law mandates that the mutual company retains majority control—51% or more—of the voting shares, meaning policyholders still maintain control. Practical Differences for Policyholders While there may be stockholders involved due to the holding company’s connection with a stock company, policyholders in a mutual holding company continue to enjoy the same protections and rights as those in a purely mutual company. The structure also allows the mutual holding company to access additional equity capital, which can enhance its financial stability and capacity to serve policyholders.For policyholders, both mutual and mutual holding companies offer strong protections, with dividends and benefits focused on them as the primary stakeholders. A mutual company remains fully owned by policyholders, whereas a mutual holding company adds flexibility through stock partnerships,

In today’s blog post, we explore the insights Bruce and I shared while answering listener questions about building a self-sustaining financial system for yourself and your family through the power of whole life insurance, structured for infinite banking. This is more than insurance—it’s about giving you control and freedom. https://www.youtube.com/live/637N4E8L-Xg The concept of infinite banking allows you to use whole life insurance as your personal financing system. This isn’t about just saving or avoiding debt; it’s about creating a powerful, self-sustaining reservoir of capital that can grow and work for you. Think of it as a financial ecosystem where you have complete control. But it’s more than that. Infinite banking means creating the discipline and long-term mindset to build lasting wealth. Whether you want to understand lump-sum premium payments or how to structure your policy best, let’s jump in and answer your most pressing questions. Why Lump Sum Payments Aren’t Always the Best StartWhy Behavior is More Important Than Policy DesignShould You Choose Custom Whole Life or Ordinary Life Policies?Finding the Right Policy Structure and PartnerThe Benefits of Infinite Banking for Your Financial FutureBook A Strategy Call Why Lump Sum Payments Aren’t Always the Best Start One of the most common questions we receive is whether it’s better to pay a single large sum into a whole life insurance policy or fund it gradually over time. Many people think that a big upfront payment will jumpstart growth. However, a one-time lump sum can cause a policy to fail the Modified Endowment Contract (MEC) test, meaning you lose valuable tax advantages. Instead, a steady funding approach builds lasting value without losing the tax benefits. When you fund a policy gradually, it allows the policy to grow with a solid base and maintain a steady death benefit. The key is to structure the policy to be self-sustaining, with dividends and interest paying ongoing costs over time. With gradual funding, you’re setting the foundation for uninterrupted growth—one of the most powerful aspects of infinite banking. Why Behavior is More Important Than Policy Design The most well-designed policy won’t help you if you don’t have the right mindset and habits. A lot of people get caught up comparing policy designs, thinking the right combination of premium and paid-up additions (PUA) is all they need. But the reality? Your financial behavior matters more. Infinite banking only works if you’re disciplined. This means consistent funding, even when times are tough. It’s about committing to growth for the long term. Think of it as planting a forest: the trees don’t grow overnight, but over time, they create something truly sustainable. Your financial journey is similar—staying consistent, resisting the urge to draw down early, and trusting the growth process is what builds true wealth. Should You Choose Custom Whole Life or Ordinary Life Policies? With so many options out there, it’s easy to feel overwhelmed. For instance, should you choose a “paid-up” whole life policy that requires only short-term funding, or go with a traditional policy that you pay into your entire life? The short answer is that **the best policy depends on your goals and cash flow**. Paid-up policies (often designed to be fully paid in 10 or 20 years) allow you to stop funding at a certain point, but these policies tend to have higher premiums. If you’re able to keep paying into a policy over time, you can achieve incredible cash value growth without a massive initial outlay. And the longer you fund your policy, the more powerfully the compounding effect works in your favor. Think of it like rolling a snowball: the longer you roll, the bigger it gets. Infinite banking is a long-term game; funding as long as possible amplifies the rewards. Finding the Right Policy Structure and Partner When it comes to choosing a whole life insurance policy for infinite banking, it’s not just about comparing companies or interest rates. You want a partner in your financial journey—a company that understands and supports the infinite banking concept. Not all insurers prioritize this approach, so look for those who do. We recommend companies that support the Nelson Nash Institute’s principles of infinite banking. These companies design products that facilitate cash flow and provide flexible loan options, allowing you to manage your policy easily. Working with a partner who understands your goals ensures that your policy aligns with your vision for building lasting wealth. The Benefits of Infinite Banking for Your Financial Future Infinite banking isn’t just about using life insurance for cash flow or protecting your family with a death benefit. It’s about freedom and control. By taking ownership of your banking function, you’re building a buffer against economic uncertainty. You’re creating a financial ecosystem where your money can grow, be accessed when needed, and still continue compounding. When you control your capital, you’re not dependent on banks or outside lenders to finance your goals. You’re setting up a powerful system that aligns with your family’s long-term legacy. And the best part? The value compounds over time, growing stronger with each passing year. Infinite banking empowers you to take control of your financial future, breaking free from the dependency on traditional banks and empowering you to create wealth on your own terms. Book A Strategy Call Do you want to coordinate your finances so that everything works together to improve your life today, accelerate time and money freedom, and leave the greatest legacy? We can help!  Book an Introductory Call with our team today https://themoneyadvantage.com/calendar/, and find out how Privatized Banking, alternative investments, or cash flow strategies can help you accomplish your goals better and faster. That being said, if you want to find out more about how Privatized Banking gives you the most safety, liquidity, and growth… plus boosts your investment returns, and guarantees a legacy, go to https://privatizedbankingsecrets.com/freeguide to learn more.

Imagine this: you’ve heard that mastering Infinite Banking could be the key to financial freedom. It sounds like a perfect solution—investing in yourself, building wealth, all while being “your own banker.” But if you're wondering, "Is infinite banking a scheme? " The answer lies in how it's executed, not in the concept itself. Here’s the truth: not everyone succeeds with infinite banking. In fact, the people who thrive are often the ones who take an entirely different approach to it. They’re thinking long-term, taking responsibility, and treating this like a lifetime practice, not a quick fix. https://www.youtube.com/live/igurqrqZNdE The Infinite Banking Concept has gained popularity as a way to take control of your finances, but it’s not a one-size-fits-all solution. This strategy empowers you to create lasting wealth through a well-designed whole life insurance policy, but success requires discipline and a certain mindset. In this blog, we’ll break down what it really takes to succeed with infinite banking, addressing common misconceptions and why approaching it with an abundance mindset, a sense of responsibility, and long-term vision can make all the difference. What You'll LearnMastering Infinite Banking Starts with Abundance, Not ScarcityThe Scarcity Trap: Why Quick Fixes FailShifting to Abundance ThinkingEmbrace Responsibility: Becoming Your Own Banker Means OwnershipWhat "Becoming Your Own Banker" Really MeansThe Discipline Required for SuccessThe Long Game: Mastering Infinite Banking Means Thinking GenerationallyBe Wise with Policy Loans: It’s Not About Chasing Cash FlowThe Most Common Cash Flow MisconceptionStrategic vs. Irresponsible BorrowingPrerequisites for Success: Are You Ready for Infinite Banking?Financial Foundation RequirementsEmergency Fund EssentialsLong-Term Commitment CapabilityFinding the Right Balance: Structuring Policies for Stability and GrowthThe Problem with "Skinny Base" PoliciesDesigning for Your Entire Financial LifeThe Bottom Line: Infinite Banking Success Requires the Right ApproachBook A Strategy Call What You'll Learn By the end of this article, you'll understand exactly why some people thrive with Infinite Banking while others struggle: The mindset shift from scarcity to abundance – Why approaching Infinite Banking as a "quick fix" backfires and how successful practitioners think differently about long-term wealth building. What "becoming your own banker" actually means – The real responsibilities and discipline required to take control of your financial life through whole life insurance. The prerequisites for success – Whether you have the financial foundation and commitment needed before starting an Infinite Banking strategy. Policy design principles that matter – Why the balance between base premiums and paid-up additions determines your strategy's long-term effectiveness. Mastering Infinite Banking Starts with Abundance, Not Scarcity The Scarcity Trap: Why Quick Fixes Fail Infinite banking isn’t about chasing quick returns.  It is fundamentally about thinking from a place of abundance. Bruce and I (Rachel) have seen how scarcity thinking—focusing on short-term gains, instant gratification, or just trying to “fix” financial problems—often backfires. If you approach infinite banking as a “quick fix” for financial issues, you might not get the results you expect. Shifting to Abundance Thinking True success happens when you’re ready to shift your mindset, creating a long-term approach to managing your finances and understanding how to use cash flow wisely. Abundance thinking means viewing your whole life policy not as an expense, but as a financial asset that grows stronger over time. Embrace Responsibility: Becoming Your Own Banker Means Ownership What "Becoming Your Own Banker" Really Means Nelson Nash, who developed the Infinite Banking Concept, titled his book Becoming Your Own Banker because this strategy is about empowering you to take control. The title isn't metaphorical, it's literal. You're taking on the role that a traditional bank plays in your financial life. The Discipline Required for Success But with control comes responsibility. It’s up to you to make smart moves, from keeping track of your assets to choosing how you repay your loans. With infinite banking, the freedom to set your own terms also means owning the responsibility for the policy’s long-term health. It’s essential to maintain discipline and understand that the responsibility lies with you. The Long Game: Mastering Infinite Banking Means Thinking Generationally Mastering Infinite banking requires time. It isn’t a “set it and forget it” strategy or something you can maximize in just a few years. The very idea of treating it like a scheme misses the forest for the trees. Infinite Banking is a multigenerational strategy. People who benefit most from infinite banking are committed to it over the long term. The structure of the policy and its cash value grow more efficiently over time, so it’s essential to go in with a long-term perspective. Policies that balance base premiums with paid-up additions (PUAs) allow for growth and future flexibility, letting you capitalize on this system for years, even decades, ahead. Be Wise with Policy Loans: It’s Not About Chasing Cash Flow The Most Common Cash Flow Misconception One of the biggest misconceptions we see is people treating infinite banking like an investment meant to generate immediate cash flow. This misunderstanding often leads people to question whether infinite banking is a scheme when their unrealistic expectations aren't met. Strategic vs. Irresponsible Borrowing The truth is that while you can borrow against your policy, doing so irresponsibly can limit your financial freedom. Infinite banking isn’t meant to fund unsustainable habits or high-risk investments. Instead, it’s a wealth-building tool that should be used wisely and with an eye on long-term stability. It’s about using capital wisely, holding onto cash when needed, and reinvesting strategically. Prerequisites for Success: Are You Ready for Infinite Banking? While Infinite Banking isn't a scheme, it does require the right financial foundation and mindset. This strategy works best for those who want to build long-term, generational wealth and have the financial stability to commit to it properly. Financial Foundation Requirements If you're struggling with high-interest debt like credit cards or personal loans, your money is better spent eliminating those debts first. The guaranteed growth in a whole life policy typically ranges from 3-5% in early years, while credit card debt often carries rates of 18-25% or higher. Basic math dictates that debt elimination should come first. Emergency Fund Essentials One of the core principles of Infinite Banking is using your policy's cash value as a source of liquidity. But if you don't already have 3-6 months of expenses saved in an emergency fund, you're not ready for this strategy. You need that foundational safety net before you can effectively "become your own banker." Long-Term Commitment Capability Whole life insurance policies are designed to be funded consistently over many years. If your income is highly unpredictable, you're currently facing job insecurity, or you're not confident you can make premium payments, this strategy requires careful consideration. The power of Infinite Banking comes from consistent, long-term execution. Finding the Right Balance: Structuring Policies for Stability and Growth The Problem with "Skinny Base" Policies Proper policy design is critical. Many advisors advocate for “skinny base” policies to give maximum cash value immediately, but this approach often sacrifices long-term benefits.  These policies minimize the base premium and maximize paid-up additions to create more immediate cash value, but they can become unstable under loan stress and may not perform well over decades. Designing for Your Entire Financial Life Bruce and I believe in policies that are built to last, emphasizing a balance between the base premium and PUAs to ensure the policy can handle loan needs down the road without risking efficiency. The key is designing a policy that works for your entire financial life, not just your immediate needs. The Bottom Line: Infinite Banking Success Requires the Right Approach Infinite banking can be a powerful tool for creating financial freedom, but only if it’s approached with the right mindset. The true strength of infinite banking lies in its potential to empower you as your own banker, ensuring you’re in control of your financial journey.  When handled responsibly, infinite banking can transform your finances and enable generational wealth. But success isn’t automatic—it’s for those who approach it with patience, discipline, and a focus on long-term rewards. The question isn't whether Infinite Banking works; it's whether you're prepared to implement it correctly and maintain it for the long term. Those who do find it to be one of the most reliable wealth-building strategies available. Book A Strategy Call Do you want to coordinate your finances so that everything works together to improve your life today, accelerate time and money freedom, and leave the greatest legacy? We can help!  Book an Introductory Call with our team today https://themoneyadvantage.com/calendar/, and let us help you design a plan that can create lasting benefits for you and future generations. That being said, if you want to find out more about how Privatized Banking gives you the most safety, liquidity, and growth… plus boosts your investment returns, and guarantees a legacy, go to https://privatizedbankingsecrets.com/freeguide to learn more.

Join us as we explore the critical importance of preserving your family history. During a recent conversation with Mark Anderson and Hadley Grow from Anderson Archival, we delved into the incredible impact of documenting and safeguarding your family’s legacy. Whether it’s through photos, letters, or oral histories, preserving these memories is essential for passing down not only family heritage but also the wisdom and values that shape who we are. https://www.youtube.com/live/3u8Lme_y5QY Imagine reading a book of your family's history, with handwritten letters and photos that span over a century. The book doesn’t just document names and dates; it tells stories of immigration, war, survival, and resilience. This was my (Bruce) experience when I read my family's history book, tracing our roots back to the 1800s in Germany. The moment I held that book, I felt an unbroken connection to my ancestors and the choices they made that led to where I am today. That experience showed me how essential it is to preserve family history—not just for the memories, but to ensure the lessons, values, and stories live on. Family history is about more than just keeping old records in a box somewhere. It’s about creating a living narrative—a legacy that will inform future generations about where they came from and guide them in their own financial and personal journeys. Today, we’re going to discuss how you can take control of this process and preserve the rich tapestry of your family's story for generations to come. The Power of Storytelling: Building Connections Through Family MemoriesDigital Archiving: Turning Physical Memories into Lasting LegaciesPassing Down Financial Wisdom: Avoiding Costly Mistakes by Learning from the PastCreating a Living Legacy: Merging the Past with Modern TechnologyWhy Preserving Your Family History MattersTake the First Step in Preserving Your Family LegacyBuilding a Legacy That Lasts The Power of Storytelling: Building Connections Through Family Memories Every family has stories that are worth preserving, from heroic tales of survival to simple anecdotes about daily life. These stories often contain valuable lessons that can help guide future generations. Mark Anderson shared a beautiful example of this during our podcast: his family's efforts during World War II to overcome financial hardship were deeply rooted in resourcefulness and resilience. Those stories influenced how Mark approaches challenges today. Hadley Grow added that preserving family history isn’t just about documenting what happened; it’s about keeping alive the values and experiences that shaped us. When you take time to gather stories from your family—whether it’s through interviews, letters, or even photos—you’re giving future generations a blueprint for navigating their own lives. Action Step: Start simple. Ask the elders in your family to share their stories. Record these conversations, whether through video or audio, and save them for future generations. This process can be as formal as a recorded interview or as casual as chatting at the dinner table. You’ll be amazed at the wisdom that emerges. Digital Archiving: Turning Physical Memories into Lasting Legacies One of the challenges many families face is deciding what to keep and how to store it. As Bruce Wehner pointed out in the podcast, his family’s 400-page, meticulously researched genealogy book is one of his most prized possessions. It traces their family history back to Germany in the 1800s and includes over 2,500 citations of research. Such a treasure could easily be lost over time without the proper preservation. This is where the power of digital archiving comes into play. Companies like Anderson Archival specialize in preserving these memories by digitizing everything from photographs and letters to more fragile documents. Mark and Hadley shared stories about families and organizations that had entire rooms filled with old photos, documents, and memorabilia—some dating back to the early 1900s. Anderson Archival helped them transform these physical items into searchable, digital formats that can be easily shared with future generations. Action Step: Start digitizing your family’s most important documents. This could include letters, certificates, photos, and more. By turning these items into digital files, you ensure they are preserved for future generations and accessible to all family members, no matter where they live. Passing Down Financial Wisdom: Avoiding Costly Mistakes by Learning from the Past Family history doesn’t just include personal stories—it also encompasses financial wisdom passed down through the generations. One of the reasons preserving your family history is so important is to prevent future generations from making the same financial mistakes. During the podcast, Hadley and Mark emphasized the importance of documenting not only the successes but also the challenges your family has faced financially. Did your great-grandfather lose money during the Great Depression? Did your parents face financial struggles due to poor investment decisions? These are valuable lessons that can guide future generations in making better choices. Action Step: Document your family’s financial history. Have open discussions about financial successes and failures, and make sure these lessons are included in your family legacy. This can help your children and grandchildren avoid common pitfalls and develop a healthy relationship with money. Creating a Living Legacy: Merging the Past with Modern Technology We live in a digital age where we can capture thousands of photos and videos in an instant. However, without proper organization and preservation, these digital memories can easily get lost in the cloud. Mark and Hadley talked about the importance of using technology not only to digitize past memories but to ensure that they remain accessible for generations to come. Using digital asset management systems, families can now create a "living legacy"—a dynamic, evolving archive of memories, documents, and stories. For instance, if a family member is celebrating an important anniversary, they can search the digital archive for relevant photos, videos, and documents to create a meaningful tribute. Action Step: Consider using a digital asset management system to organize your family’s history. This allows you to create a searchable archive where multiple family members can contribute and access memories, no matter where they are. These systems can also include modern tools like facial recognition and metadata tagging to make searching easier. Why Preserving Your Family History Matters Preserving your family’s history is more than just a sentimental act. It’s about passing down the values, lessons, and wisdom that shaped your family into what it is today. By preserving these stories and memories, you provide future generations with a foundation on which they can build their own legacies. Whether it's safeguarding financial lessons, archiving important documents, or simply telling stories that showcase resilience and strength, your efforts today will serve as a guiding light for tomorrow. Take the First Step in Preserving Your Family Legacy Now is the time to start preserving your family’s history. Don’t wait until it’s too late. Begin by having those important conversations, gathering meaningful documents, and exploring digital solutions for long-term preservation. If you’re feeling overwhelmed, remember that you don’t have to do it alone. Our friends at Anderson Archival are experts in helping families document, digitize, and protect their legacies for future generations. For more insights on preserving your family’s history, listen to our full podcast episode with Mark Anderson and Hadley Grow. In it, we discuss practical strategies and real-life examples of how preserving family history can create lasting legacies. It’s a conversation you won’t want to miss—one that could change how you think about your family’s future. Building a Legacy That Lasts Creating generational wealth isn’t just about accumulating money. It’s about building a legacy that lasts. It’s about teaching your children and grandchildren how to manage and grow wealth, and it’s about creating systems and structures that ensure your family’s wealth continues to grow long after you’re gone. If you’re ready to take the next step, I’d love to help you. You can book a call with me at Seven Generations Legacy®, and we’ll work together to develop a plan for creating generational wealth in your family. And if you want to dive deeper into these principles, check out my book, Seven Generations Legacy. It’s packed with insights and strategies to help you start building your family’s legacy today. Let’s create wealth that lasts!

In the world of finance, there are plenty of “rules” and opinions. Some people tell you to put every dollar to work, chasing high returns, while others preach the importance of saving. https://www.youtube.com/live/bH7YaIbf_sY But today, we’re here to tell you why, beyond all of that, the most foundational rule is that cash is king. It’s a principle that, when followed correctly, can give you the upper hand in both good times and bad. Bruce and I often dive into financial topics that challenge mainstream advice, and today is no different. On this episode of The Money Advantage Podcast, we tackled the controversial yet vital subject of why cash is king. Sure, you’ve probably heard people say “cash flow is king,” but we’re going a step further—asserting that holding cash is critical for long-term financial success. And no, we’re not just talking about saving for a rainy day; we’re talking about seizing opportunities, navigating crises, and maintaining control over your financial destiny. Why Most People Miss the Importance of Cash Let’s start with why this concept is so misunderstood. The mainstream narrative in personal finance typically revolves around net worth and rate of return. People assume that as long as their investments are growing, they’re financially secure. But what does cash is king mean in this context? It means your financial safety and flexibility depend more on what you can access today than what’s tied up for tomorrow.  But let me ask you this: what good is a high net worth if you don’t have liquid cash to cover unexpected expenses or seize opportunities when they arise? We’ve seen it time and time again, both in our own lives and in the financial experiences of others: you could be a millionaire on paper, but if you don’t have cash readily available, you’re not really in control. And this shift, from focusing solely on net worth to understanding the value of cash flow, is what positions you for true financial independence. When you have incoming streams of cash that exceed your expenses, you hold the keys to freedom. Yet, even that isn’t enough. Cash flow is vital, but without cash on hand, you’re exposed when life throws you a curveball. Today, we want to take you one step further: it’s not just cash flow that matters. Having liquid, accessible cash is essential. And here’s why. The Chess Analogy: Why Cash is King In chess, the queen is the most versatile and powerful piece on the board. She can move in all directions and cover great distances. But it’s the king who’s the most important. If your king is taken out, the game is over—no matter how powerful your queen was. In financial terms, your “queen” is like your cash flow. It can make bold moves and help you grow your wealth, but if you lose sight of protecting your “king”—your cash reserves—you risk being taken out of the game altogether. Even if your income is strong, losing access to liquidity can cost you the match. Cash gives you staying power. It protects you from being taken out when life delivers the unexpected. Without it, you’re one emergency or opportunity away from losing your position entirely. Cash reserves allow you to weather storms, seize opportunities, and maintain your position on the financial board. Without it, you could lose everything, even if your cash flow seems strong. Why Cash is King in Today’s Economy So, why is cash so important today, in a world where everyone is chasing returns? Let’s go back to 2009, when interest rates were at rock-bottom levels following the mortgage crisis. People were disincentivized to hold cash because it wasn’t earning them a return. Instead, many relied on cheap loans, believing they could always access capital through the bank when needed. Fast forward to today, and we’re seeing a shift back to the traditional wisdom that cash is king. In a high-interest or post-crisis economy, the ability to hold and use cash can mean the difference between thriving and struggling. Why? Because those who hold cash are in a stronger position, especially in competitive markets like real estate. When you can make an all-cash offer, you skip the waiting period for loan approval, and you stand out as a serious buyer.  More importantly, you avoid the risk of not qualifying for a loan and missing out on an opportunity entirely. Cash vs. Cash Flow: Finding the Balance Now, don’t get us wrong—cash flow is incredibly important. Having more income than expenses is key to financial stability. But too often, people think in extremes. They focus solely on investing and deploying every dollar, believing that holding cash is a waste. The reality is that you need both. It’s not about cash vs cash flow, it’s about knowing how they complement each other.  You need to prioritize cash flow, but not at the expense of having liquid cash on hand. If you’re constantly chasing returns and putting all your money into investments, you may find yourself in a bind when unexpected expenses arise. On the other hand, if you’re hoarding cash and never putting it to work, you’re missing out on the growth opportunities that could help you reach time and money freedom faster. So, where’s the balance? You need to think about cash and cash flow as two sides of the same coin. Cash protects your position when life gets unpredictable. Cash is your foundation. It’s the thing that keeps you in the game when everything else seems uncertain.  Meanwhile, cash flow is your engine—it propels you forward. But without the foundation of cash, your engine could stall out at any time. Therefore, having enough cash to keep your financial engine running during downturns is one of the main reasons why cash is king. The Role of Cash in Emergencies and Opportunities There are two main reasons why you need cash: protection and opportunity. 1. Cash is King for Protection Against Loss The first and most obvious reason to hold cash is that it protects you. When you have cash, you can weather the storms of life—whether that’s a personal crisis, a business downturn, or a sudden investment gone wrong. Cash gives you access to emergency capital, allowing you to meet financial obligations without derailing your long-term goals. Without cash, even the smallest financial hiccup can turn into a major disaster. Take business as an example. What happens when a key employee leaves, and you can’t find a replacement? Or when unexpected equipment failures require immediate repairs? Essentially, you would be forced to take on debt or dip into your investments—both of which put your long-term financial health at risk. However, with reserves, you’re in a position to absorb the shock without taking on additional debt or liquidating investments. 2. Cash is King for Seizing Opportunities But cash isn’t just for emergencies. It also allows you to seize opportunities when they arise. Let’s say a once-in-a-lifetime investment opportunity comes along, or your business has the chance to expand in a new market. If you don’t have cash on hand, you’ll miss out on these opportunities, or worse, you’ll have to take on risky debt to capitalize on them. The opportunity cost of illiquidity can be high—by the time you access funds, the window may have closed. Having fast capital ready to deploy can mean the difference between capitalizing on growth or watching it pass you by. The Infinite Banking Strategy: The Best Way to Store Cash Now, you might be thinking, “Okay, I get it—I need to hold cash. But where should I put it?” Holding cash in a traditional savings account may feel safe, but it’s not doing much for you. It offers liquidity, sure, but very little growth—especially once you factor in inflation. That’s where the Infinite Banking Concept comes in. Through a specially designed whole life insurance policy, you can store your cash in a place where it earns uninterrupted compound growth—even while you’re using it. You have the liquidity to access your cash when needed, but you’re also growing your wealth over time. This makes Infinite Banking a powerful financial strategy that bridges the gap between safety and performance. By borrowing against your policy, you can use your cash for emergencies or opportunities, without interrupting its growth. It’s a tool that gives you both protection and growth, putting you in a stronger financial position than if you were simply relying on a traditional bank account. Cash Keeps You in Control At the end of the day, holding cash is about more than just financial security. It’s the backbone of financial independence. Cash is all about having control. When you have cash, you’re not at the mercy of banks or creditors. You can make quick decisions, take advantage of opportunities, and weather any storm that comes your way. So, if you’ve been focused solely on cash flow, it’s time to rethink your strategy. Yes, you need to prioritize cash flow—but don’t do it at the expense of holding cash. Building liquidity gives you true control over your finances and the confidence to act when it matters most. Remember, cash is king because it keeps you in the game. Book A Strategy Call Do you want to coordinate your finances so that everything works together to improve your life today, accelerate time and money freedom, and leave the greatest legacy? We can help! Book an Introductory Call with our team today to learn how Privatized Banking, alternative investments, or cash flow strategies can help you accomplish your goals better and faster. That being said, if you want to learn more about how Privatized Banking gives you the most safety, liquidity, and growth… plus boosts your investment returns, and guarantees a legacy, our Privatized Banking Free Guide is the perfect starting point. FAQs What does “cash is king” mean?The phrase cash is king means that having liquid money available gives you more power, flexibility,

https://www.youtube.com/live/y2p0-o_n0qw Have you ever been told not to put all your eggs in one basket? If you’ve been in the financial world for any amount of time, whether through your 401(k) or investing in the stock market, you’ve likely heard this advice. Investing diversification has long been hailed as a tried-and-true strategy for mitigating risk, ensuring that even if one “basket” fails, others will protect you. But what if we told you that this conventional wisdom might not be the full picture? What if true diversification isn't just about spreading risk across a single asset class, but thinking beyond the traditional scope of stocks and bonds? We will break down the myths of investing diversification and help you understand how to take control of your financial future. Buckle up because this information can change how you think about your financial strategy. A Fresh Take on Investing DiversificationInvesting Diversification Isn't What You Think: Beyond the Stock MarketTax Diversification: An Overlooked StrategyIncome Streams: The Importance of Cash Flow DiversificationWarren Buffett’s Approach: Focus on What You Know and ControlTake Control of Your Financial FutureTake the Next Step A Fresh Take on Investing Diversification Investing diversification has been the cornerstone of financial advice for decades. The idea seems simple: by spreading your investments across different stocks, bonds, or funds, you're reducing your exposure to risk. However, while many people believe they’re diversified, they might actually be far more concentrated in the same types of assets than they think. Worse yet, many investors rely on diversification within the stock market only, and when the market takes a hit, their entire portfolio could be at risk. In this blog, we explore a new way to think about investing diversification—one that goes beyond just paper investments and looks at tax positioning, cash flow, and even alternative asset classes. We’ll show you how to take control of your financial future by expanding your perspective and preparing for long-term success. By the end, you’ll not only understand the real meaning of investing diversification but also how to apply it to your financial life for greater stability and growth. Investing Diversification Isn't What You Think: Beyond the Stock Market Most people assume that investing diversification means spreading your money across various mutual funds, stocks, or ETFs. But what if we told you that you might still be investing in the same stocks even with several different funds? We’ve seen this happen over and over again—investors think they’re diversified because they own different funds from different companies, but when you look closer, many of these funds hold the same underlying assets. For example, you could have mutual funds from multiple companies, yet 85–90% of the stocks within those funds overlap. That’s not diversification—it’s redundancy. And worse, when the market crashes, as it did in 2008, everything goes down at once. Real investing diversification is about more than just spreading your investments within the stock market. It’s about diversifying across multiple asset classes. Think real estate, commodities, business ownership, and even private lending—these are asset classes that often don’t correlate with the stock market. By broadening your approach, you reduce your exposure to the volatility of any one sector. Tax Diversification: An Overlooked Strategy When people talk about investing diversification, they rarely mention taxes. Yet, tax diversification is one of the most important strategies for protecting one’s wealth over the long term. Consider the fact that the U.S. federal debt has ballooned to $35.7 trillion, and the interest payments on that debt now exceed $950 billion a year—larger than even the Pentagon’s budget. As tax burdens rise to cover this debt, future taxes will likely increase. If your entire retirement plan is based on tax-deferred accounts, you could be setting yourself up for a hefty tax bill when you start withdrawing your money. Instead, you want to position your money across different tax categories—some in tax-deferred accounts, some in taxable accounts with capital gains treatment, and others in tax-free accounts like Roth IRAs. This way, you're hedging against future tax hikes and ensuring that you have flexibility no matter what happens with tax laws down the road. Income Streams: The Importance of Cash Flow Diversification Relying on a single source of income—whether that’s your W-2 job, rental income, or investment returns—can leave you vulnerable. Income stream diversification is about creating multiple, steady flows of income that are not dependent on a single source or market condition. Think of it this way: If you’re only relying on stock market returns, a downturn could wipe out a significant portion of your portfolio. However, if you also have income from real estate, a side business, or even private lending, you’re better insulated from market volatility. Creating multiple streams of income allows you to have more control over your financial future. Whether it’s investing in real estate, starting a business, or even exploring alternative investment options like private equity, there are many ways to build a more resilient financial foundation. Warren Buffett’s Approach: Focus on What You Know and Control One of the reasons Warren Buffett has been so successful is that he doesn’t diversify just for the sake of spreading risk. Instead, he invests in businesses he knows and understands, maintaining control over his investments. Buffett famously said that “diversification is protection against ignorance.” If you know what you’re doing, there’s no need to dilute your efforts by spreading your money thin across assets you don’t fully understand. Instead, focus on building knowledge and expertise in a few key areas and make those the cornerstone of your financial strategy. When you control your investments—whether that’s through owning a business, investing in real estate, or managing other tangible assets—you have far more say in your financial outcome. Take Control of Your Financial Future The bottom line is this: True investing diversification goes far beyond the traditional stock market strategies you’ve likely been told. By thinking critically about where you put your money, how it’s taxed, and how it generates income, you can create a financial strategy that is not only robust but also adaptable to whatever the future brings. Diversify across asset classes, not just stocks and bonds. Consider tax diversification so you're not caught off guard by future tax increases. Build multiple streams of income so you’re not relying on one basket to carry you through life. And most importantly, focus on what you know and control—because, as your financial knowledge increases, your risk decreases. Take the Next Step If this information resonated with you and you’re ready to take control of your financial situation, we encourage you to listen to the full episode of The Money Advantage podcast. In it, we dive even deeper into these topics, offering actionable advice on how to truly diversify your financial portfolio and build a solid, future-proof financial plan. Head over to our website, book a call with one of our advisors, and start optimizing your financial life today. Don’t just rely on old, conventional wisdom—take control of your future by making informed, strategic decisions that will benefit you and your family for generations to come.

What's the first thing that comes to mind when you think of wealth? For most people, it’s tangible—money in the bank, real estate, stocks, or physical assets. But let me introduce you to a critical concept that doesn’t always get enough attention: intellectual property (IP). Today, I’m diving into why it matters and how it can make or break your business. Are you protecting your intellectual property by taking the necessary steps to ensure your ideas are protected and monetized? https://www.youtube.com/live/8qJefZzioqE Author and entrepreneur Kary Oberbrunner has made it his mission to help people protect their ideas, brands, and creative work. In our conversation, Kary shared some powerful lessons and strategies about IP that every business owner, entrepreneur, and even everyday creator needs to understand. The Surprising Truth About Protecting Your Intellectual Property Kary kicked off the conversation with a mind-blowing statistic. Back in 1975, only 17% of the S&P 500’s assets were intangible—things like patents, trademarks, and other IP. Fast forward to today, and a staggering 90% of the value of those same companies is now tied up in intangible assets. In fact, by 2024, they estimate this number to be as high as 96%! If that doesn’t get your attention, I don’t know what will. In short, the world has shifted. We’re no longer in a world where physical assets dominate. Instead, your ideas, your brand, and your processes are often your most valuable business assets. And yet, many of us overlook the importance of protecting them. About Kary OberbrunnerWhy You Must Protect Your IdeasUnderstand the Value of Your Intellectual PropertyTiming is Everything in Protecting Your Intellectual PropertyProtecting Your Intellectual Doesn’t Have to Be Complicated or ExpensiveProtecting Your Intellectual Property is an Ongoing ProcessProtect What’s Yours, Before It’s Too LateTake Control of Your Intellectual Property TodayBook A Strategy Call About Kary Oberbrunner KARY OBERBRUNNER is a Wall Street Journal and USA Today bestselling author of 14 books. As CEO of Igniting Souls® and Instant IP™ he helps abundant-minded & coachable-competent entrepreneurs PUBLISH, PROTECT, and PROMOTE their intellectual property and turn it into 18 streams of income so they can change the world. An award-winning novelist, screenwriter, and inventor, he’s been featured in Entrepreneur, Forbes, CBS, Fox News, Yahoo, and many other major media outlets. His TEDx has been viewed over 1 million times. As a young man, he suffered from severe stuttering, depression, and self-injury. Today a transformed man, Kary ignites souls: speaking internationally on a variety of topics and consulting the world's top entrepreneurs and brands regarding publishing, protecting, and promoting intellectual property. He has several earned degrees, including a Bachelor of Arts, Masters in Divinity, and Doctorate in Transformational Leadership. He also serves as the Berry Chair of Entrepreneurship at Cedarville University, where he teaches on the topics of Entrepreneurship and Digital Marketing. Why You Must Protect Your Ideas If you’re a business owner or an entrepreneur, you already know that your ideas, your innovations, and your unique ways of doing things are what set you apart. But here’s the challenge: most of us don’t think about protecting those ideas until it’s too late. That’s why this conversation with Kary Oberbrunner was so important. His focus on helping businesses recognize their intellectual property as their greatest asset—and protecting it—was eye-opening. What if someone came along and copied your brand, your process, or your proprietary method? Without protection, you could find yourself out of business or stuck in a legal battle. But protecting your IP is not just for giant companies like Apple or Nike. It’s something we all need to think about—whether you’re running a family business, a startup, or a solo enterprise. In this blog, I’ll walk you through the key takeaways from our interview with Kary, the importance of safeguarding your intellectual property, and how you can take steps today to protect what’s yours. Understand the Value of Your Intellectual Property One of the most critical takeaways from Kary’s insight is recognizing that IP is everywhere in your business. It’s not just about big patents or complex legal maneuvers. It’s the small things that make your business unique—your brand, your processes, your customer interactions. Kary shared an example from his own experiences: a guy he met who worked with major brands like Disney and Lego but didn’t realize that his entire business was built on IP. He thought his ideas weren’t worth protecting. This is a common trap. As Kary said, "You can’t read the label when you’re inside the jar." Often, we don’t see the immense value in our everyday business operations until someone else tries to take them. Whether it’s a unique way of attracting customers, a proprietary process for delivering your service, or even just your company’s name, these are all forms of intellectual property. And they need to be protected. Timing is Everything in Protecting Your Intellectual Property Kary introduced us to the idea of "first to use" in IP protection. Essentially, the law protects those who get there first. Whether it’s trademarks, patents, or copyrights, the key is to protect your ideas before someone else can. This was a revelation for many of us because it’s not just about having a great idea—it’s about taking the right steps to make sure that idea stays yours. Kary explained that waiting too long to protect your IP could mean losing out entirely. In one story, he shared how a competitor could take your unprotected IP, rush ahead, and lock you out of your own innovations. Can you imagine? Years of work gone because someone else beat you to the punch. That’s why it’s so important to take action as soon as possible. Even if you’re just starting out or your business is still small, protect what’s unique about your business. Your future self will thank you. Protecting Your Intellectual Doesn’t Have to Be Complicated or Expensive One of the biggest misconceptions about IP protection is that it’s costly and complicated. Many people think they need to hire expensive lawyers and spend months (if not years) fighting legal battles. Kary showed us that this isn’t always the case. In fact, he’s developed a system called Instant IP, which allows you to protect your ideas instantly through blockchain technology. What’s fascinating about this system is that it bypasses the traditional patent or trademark routes, which can take years and cost thousands of dollars. Instead, it creates a digital fingerprint of your idea, text, or file and protects it on the blockchain. This means you have proof that you were the first to come up with it, and it’s securely protected from that moment onward And get this: you can do this for a fraction of the cost—just $97. Compared to the thousands of dollars and years of waiting for traditional IP protection, this is a game-changer, especially for small business owners or startups who want to protect their ideas but don’t have a huge budget to do so. Protecting Your Intellectual Property is an Ongoing Process One of the most valuable insights from our conversation with Kary was that protecting your IP isn’t a one-and-done deal. It’s something you have to think about continuously. Every time you create a new idea, product, or service, you need to think about how to protect it. Kary gave the example of Taylor Swift, who has filed over 300 trademarks, including not just her music and merchandise but even her cats’ names! That’s how serious she is about protecting her intellectual property. It’s a good reminder that if you want to be at the top of your game, you need to treat your ideas with the same level of importance. Protect What’s Yours, Before It’s Too Late So here’s the bottom line: if you’re in business, your ideas, your processes, and your brand are some of your most valuable assets. Don’t wait until it’s too late to protect them. Take steps today to ensure that no one else can steal what you’ve worked so hard to create. From big names like Taylor Swift to small business owners like you and me, protecting your intellectual property is one of the smartest moves you can make to safeguard your financial future and ensure your business continues to grow. Take Control of Your Intellectual Property Today If you want to dive deeper into the steps to protect your IP and hear more from Kary Oberbrunner, I highly recommend listening to our full podcast episode. You’ll walk away with actionable insights and a clear understanding of how to safeguard your intellectual wealth. Remember, success leaves clues. Model the successful few, not the crowd, and build a life and business you love. Check out Instant IP to protect your ideas today. You can find out more by visiting [Instant IP](https://instantiptoday.com). Ready to take the next step? Don’t wait. Protect your ideas now, before someone else does. Book A Strategy Call Do you want to coordinate your finances so that everything works together to improve your life today, accelerate time and money freedom, and leave the greatest legacy? We can help!  Book an Introductory Call with our team today https://themoneyadvantage.com/calendar/, and find out how Privatized Banking, alternative investments, or cash flow strategies can help you accomplish your goals better and faster. That being said, if you want to find out more about how Privatized Banking gives you the most safety, liquidity, and growth… plus boosts your investment returns, and guarantees a legacy, go to https://privatizedbankingsecrets.com/freeguide to learn more.

Let me start with a story that highlights the problem with financial planning today. A colleague of mine works diligently as a financial advisor, and he schedules days to meet with employees about their 401(k)s. He’s prepared to offer invaluable advice, set up one-on-one meetings, and answer pressing questions. Yet, out of 50 employees, only four show up. https://www.youtube.com/live/i4NH3UgbDlU Why? The truth is, many people don’t take ownership of their financial future. We’re bombarded with information from YouTube videos, TikTok influencers, or even well-meaning friends, but when it comes time to sit down and make decisions, we hesitate. Too many of us leave our future to chance or to others without truly understanding the options available to us. The result? Missed opportunities and financial stress. Shifting Your Financial ParadigmUnderstanding The Problem with Financial PlanningThe Risks of Deferring TaxesThe Myth of "Set It and Forget It" InvestmentsThe Power of Financial EducationExploring Alternative Financial StrategiesWhy Rethinking Financial Planning MattersTake Control Today Shifting Your Financial Paradigm Today I want to talk about a concept that might be unfamiliar to you—rethinking how you approach financial planning. Most people stick to the typical paths because it’s comfortable. We invest in 401(k)s, we defer taxes, and we hope everything works out when retirement rolls around. But here’s the hard truth: the problem with financial planning lies in its limited scope. It often relies on outdated assumptions, overlooks the impact of taxes and inflation, and can leave you vulnerable to market fluctuations. What we’re offering in this blog is a new lens to view your financial journey, one that empowers you to make more informed, strategic decisions that truly align with your goals. If you want to take your financial life to the next level, you’re in the right place. Understanding The Problem with Financial Planning What most people call financial planning is often limited to a narrow set of strategies: employer-sponsored retirement accounts, stock market investments, and savings. These options seem like safe bets—after all, they’ve been recommended for decades. But the problem with financial planning in this typical model is that it ignores key risks, like market downturns, future tax hikes, and the hidden costs of inflation. Typical financial planning often revolves around making predictions about things you can’t control. You’re asked to guess your future income, how long you’ll live, and what kind of returns you’ll see in the market. While this may work for some, the reality is that building a financial plan on assumptions can create a shaky foundation. Consider this: many financial advisors lean heavily on historical data, like the belief that the stock market averages a 7% return. But those averages span over a century. Your investing timeline might only be 30 years, and within that period, the market could behave very differently. You might face prolonged periods of low or even negative returns that derail your entire plan. The problem with financial planning here is that it assumes a one-size-fits-all approach. The Risks of Deferring Taxes One of the biggest misconceptions in typical financial planning is the idea that deferring taxes through 401(k)s and IRAs is the best way to minimize your tax burden. The thinking goes like this: defer taxes now when you’re in a higher bracket and pay them later when you’re in a lower one. However, this strategy ignores a critical factor—the potential for future tax increases. As we often discuss, the U.S. debt is skyrocketing, and at some point, those taxes will have to go up to pay for it. So, while you may think you’re saving by deferring taxes today, you could be setting yourself up for a larger tax bill down the road when you need the money the most. This is yet another angle of the problem with financial planning that relies too much on assumptions and hopes rather than certainty. The Myth of "Set It and Forget It" Investments Another pitfall of typical financial planning is the idea that once you set up your investments, you can just let them ride. Many employer-sponsored plans even offer target-date funds that automatically adjust your portfolio as you age, shifting from stocks to bonds to reduce risk. On paper, this sounds great—less risk as you near retirement. But what happens when bonds, traditionally considered safe, underperform due to rising interest rates? Or what if inflation erodes your purchasing power faster than your bond investments can keep up? In reality, no investment is foolproof, and a “set it and forget it” approach often leaves people exposed to unforeseen risks. This passive approach to planning only deepens the problem with financial planning that assumes a steady, predictable market environment. The Power of Financial Education If you take nothing else from this conversation, remember this: the more educated you are about your financial decisions, the more control you have over your future. Many people hesitate to ask questions because they don’t feel confident in their financial knowledge. But as Bruce likes to remind us, there’s no such thing as a silly question when it comes to your financial security. Financial education is about more than just watching videos or reading blogs—it’s about understanding the context and nuance behind the numbers. It's about evaluating the consistency of advice from different sources and determining whether it aligns with your specific goals and time horizon. Without this foundation, you may find yourself repeating the problem with financial planning: relying too heavily on others without understanding your own financial situation. Exploring Alternative Financial Strategies At The Money Advantage, we believe in expanding the conversation beyond the limited scope of typical financial planning. Here are a few alternatives worth considering: Business Ownership: Owning a business gives you control over your income and investments. While it carries risks, it allows you to steer your financial future in a way that employment might not. Real Estate: Real estate investments offer tangible, often more stable returns compared to the stock market. Whether through rental properties or real estate funds, it’s a strategy that has built wealth for many. Life Insurance: A properly structured whole life insurance policy can offer tax advantages, guaranteed growth, and liquidity, making it a powerful financial tool beyond just providing a death benefit. Tax Planning: Working with a skilled tax strategist can help you minimize your tax liability legally, keeping more money in your pocket for investments, spending, or giving. Alternative Investments: Private equity, hedge funds, and commodities like gold and silver can provide diversification and protection against market volatility. Each of these alternatives can complement your overall strategy, providing flexibility and security that typical methods often lack. These strategies help solve the problem with financial planning by offering more control, diversification, and protection from market swings and future tax liabilities. Why Rethinking Financial Planning Matters If you’re still following along, congratulations—you’re already taking the first step toward greater financial control. By expanding your understanding of financial planning beyond the typical methods, you’re positioning yourself for a more secure and prosperous future. The strategies we’ve discussed—like business ownership, real estate, and life insurance—offer alternatives that provide more control, mitigate risks, and allow for more tax efficiency. Your financial future doesn’t have to be left to chance or the whims of the market. By educating yourself, considering alternatives, and thinking holistically about your financial life, you can build a plan that truly works for you, not just one that fits into a pre-made box. This approach overcomes the problem with financial planning by offering you solutions that are tailored to your specific needs. Take Control Today Want to dive deeper? The best way to continue this journey is by educating yourself and seeking advice from those who can guide you. We encourage you to listen to the full episode of The Money Advantage podcast where Bruce and I discuss these concepts in even greater detail. You’ll walk away with practical insights, real-world examples, and steps you can take to get on the path to financial freedom. Visit us at The Money Advantage to book a call with our advisory team and start making proactive, informed decisions about your financial future. Let’s move beyond typical and build a financial life you can truly control.