The Banking Bros Podcast

Discover the insider secrets of hard money lending and why some real estate investors never rely on banks. In this episode, we sat down with Neil Timmins, owner of Little Guy Loans, to reveal how hard money loans can give investors fast, asset-backed returns in as little as 16 days. Whether you’re a seasoned investor or just curious about real estate investing, this conversation is packed with actionable strategies and financial mindset tips. If you’ve ever wondered how investors fund fix-and-flip deals quickly, earn consistent returns, and avoid common banking roadblocks, this episode is a must-watch. JD and Neil break down real-life examples, investor strategies, and key lessons from over 2,000 homes brokered in Des Moines. #HardMoneyLending #FixAndFlip #RealEstateInvesting Chapters: 0:00 - Intro 0:29 - Guest introduction: Neil Timmons 0:58 - Neil’s real estate background 1:57 - Launching Little Guy Loans 4:01 - What hard money lending is 6:23 - Des Moines market advantage 7:22 - Iowa real estate opportunities 9:33 - Who hard money investing is for 10:41 - Investor fund structure and returns 12:25 - Risk, guarantees, and wealth mindset 14:20 - Building a long-term wealth formula 16:43 - Infinite banking and leverage 17:58 - Financial freedom mindset 18:45 - How to find Little Guy Loans 20:26 - Banking vs investing explained 22:26 - Simplifying infinite banking 25:10 - Partnership and webinar ideas 28:11 - Future community and live events If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Discover the journey of mastering Infinite Banking and building generational wealth on this special 10th anniversary episode of the Banking Bros Podcast! Join us as we share our personal story of learning the Save & Spend system, leveraging whole life insurance, and turning financial confusion into clarity.   In this episode, we cover: How we first discovered the Infinite Banking Concept (IBC) in 2015, and the mindset shift it required The difference between active income vs passive income, and why playing offense with your money matters Understanding the "grocery store" analogy from Becoming Your Own Banker and why it revolutionized our cash flow strategy How to use policy loans and cash value effectively while maintaining discipline and a repayment plan Lessons from 10 years of building wealth with life insurance, guaranteed cash value, and family financial planning Non-forfeiture options and strategies for retirement planning with IBC   If you’ve ever wondered how to take control of your finances, grow cash flow, and create a plan for long-term wealth, this episode is packed with actionable insights.   Chapters: 0:00 - Intro & milestone 1:00 - Discovering Infinite Banking 3:30 - Early confusion & skepticism 5:05 - What banking means 7:45 - Debt vs leverage 10:00 - Defense vs offense 12:45 - Finance over protection 15:40 - Using cash value 19:15 - Guarantees & certainty 20:00 - Grocery store analogy 25:20 - Honest banking & repayment 27:05 - Long-term policy options 30:10 - Seen vs unseen benefits 33:47 - Fan shoutout 35:20 - Closing & next steps     If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Unlock the secret real estate strategies that can help you achieve financial freedom faster than you ever thought possible! In this video, we reveal the exact methods top investors use to turn small-town properties, house hacks, and short-term rentals into steady passive income.   Whether you’re a beginner or looking to level up your investment game, you’ll discover how to: Build a profitable real estate portfolio without relying solely on banks Leverage Infinite Banking and creative financing for maximum capital efficiency Scale properties strategically while minimizing risk and mistakes Generate passive income through house hacking, Airbnb, and rental investments Use proven financial tools to grow wealth and secure long-term freedom These strategies aren’t theory; they’re actionable, tested, and designed to help you take control of your money and your future.   #RealEstateInvesting #InfiniteBanking #FinancialFreedom   Chapters: 0:00 - Podcast intro and guest welcome 0:45 - Meeting through a Greenville investment 1:26 - Chad’s background and early life 2:58 - Ministry work and overseas experience 4:53 - Financial struggles and early jobs 5:37 - Nail injury leads to building credit 8:46 - First home purchase and real estate start 10:02 - Money mindset and family influence 13:45 - House hacking and live-in flips 17:23 - Airbnb and short-term rental growth 20:39 - Lessons for new investors 22:35 - Discovering creative finance and Pace Morby 24:14 - Infinite banking and credit stacking 29:23 - Main Street redevelopment vision 35:19 - Creative Nation Tour and Greenville event   Interested in joining Chad, JDew (and Pace Morby) in the Sub-To creative real estate community!? https://subto.typeform.com/to/QBVaWmer   Learn more about Chad: https://chadchoquette.com/   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Discover the secret to making money while traveling and learn how real people are building income streams that let them explore the world without going broke. If you’ve ever wondered how to work from anywhere or fund long-term travel, this video breaks it all down. In this episode, we dive into practical ways to earn money while traveling, the mindset behind location independence, and the proven strategies used by digital nomads, entrepreneurs, and remote workers who’ve built true financial freedom. #TravelAndEarn #DigitalNomadLife #FinancialFreedom Chapters: 0:00 - Podcast introduction and guest Shawn King   0:54 - Holiday reflections and family time   1:23 - Lifestyle and travel dreams discussion   2:14 - Sean's early travel experiences and inspiration   4:16 - Flexible jobs enabling travel   5:22 - Meeting Amanda and relationship story   10:21 - Travel philosophy and life priorities   14:36 - Infinite Banking and insurance career introduction   16:19 - Finding work-from-home opportunities   18:17 - Connecting insurance with family protection   22:25 - Traveling with a child and family experiences   27:04 - Taipei and Vietnam trip overview   33:05 - Budget-friendly international travel tips   35:27 - Philosophy on lifestyle, family, and presence   37:16 - Social media and following the Kings’ journey   38:59 - Advice on achieving your own lifestyle   39:25 - Closing and podcast outro   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Warren Buffett’s 90/10 rule is the simple strategy that can help you grow wealth while staying calm in any market. By putting 90% of your money in a low-cost S&P 500 index fund and 10% in short-term government bonds, Buffett shows how to protect your wealth, maintain control, and avoid panic investing.   In this video, we break down the hidden power of Buffett’s 90/10 rule, explaining how it works, why it’s more about mindset than math, and how you can apply it to your personal finances. Learn how guaranteed income, Infinite Banking strategies, and smart liquidity management translate Buffett’s principles into modern wealth-building systems.   #WarrenBuffett #InvestingTips #WealthBuilding   Chapters: 0:00 - Market panic vs Buffett’s calm approach 0:19 - Buffett’s 90/10 investing rule explained 0:44 - Control, guarantees, and infinite banking 1:06 - Article overview on market volatility 1:59 - Why rules matter in wealth building 2:46 - Wealth as a game of not losing 4:27 - The importance of the “10% safety.” 5:25 - Guarantees and emergency funds 6:09 - Age, retirement, and investing risk 7:11 - Why retirees avoid market swings 8:42 - Taking risk once income is guaranteed 10:11 - Infinite banking as a foundation 13:14 - Defining real expenses 16:12 - Dangers of skipping savings 20:35 - Why Buffett can afford risk 21:09 - Cash reserves before investing 24:20 - Taking action, not theory 27:13 - The 10% as freedom, not dead money 30:53 - Final thoughts and key takeaways   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Unlock the secrets to financial independence with Infinite Banking and Commercial Real Estate! In this episode, Nolan Sanburn, a true practitioner from the hometown of Nelson Nash, shares how to increase cash flow, redirect interest, and leverage policy loans to grow wealth while reducing taxes.   Discover: How Nolan went from 55 single-family homes to 14 light industrial warehouses Using insurance policy loans instead of traditional bank loans How triple net leases in commercial real estate maximize passive income Tax strategies that turn passive losses into active refunds Creative financing techniques to keep your money compounding   Whether you’re an investor, entrepreneur, or just curious about building wealth, this episode gives actionable strategies to take control of your money, grow passive income, and make the tax code work for you.   #PassiveIncome #TaxStrategies #WealthBuilding   Chapters: 0:00 – Intro & guest 0:18 – How we met 0:25 – Partnership & Birmingham trip 0:39 – Income growth & tax focus 1:01 – Infinite banking overview 2:03 – Nolan’s backstory 2:52 – Early real estate investing 3:25 – Discovering infinite banking 6:11 – Increasing cash flow 7:10 – Redirecting interest 8:33 – Vehicle policy-loan example 12:34 – Switching from houses to warehouses 15:36 – Triple-net leases explained 16:43 – Why commercial debt is easier 17:34 – Nolan goes all-in on industrial real estate 18:08 – Tax benefits of CRE 22:06 – Bonus depreciation 22:49 – Real estate professional status 23:39 – Using policies + CRE + taxes together 25:03 – CRE Collective explained 29:11 – Partnership announcement 30:20 – Closing remarks   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Infinite Banking is one of the most misunderstood wealth-building strategies, and in this episode, we sat down with Krystal to break it down in a simple, practical way. If you’re looking for a clear explanation of how to become your own bank, build tax-free cash value, and use the Infinite Banking Concept to fund major life expenses, this conversation is exactly what you need.   We walk through how whole life insurance works as a financial tool, why so many families rely on this strategy, and the easy 3-cup method that makes Infinite Banking finally make sense. Whether you're brand new to this concept or wondering if you're “too late” to start, this episode gives you the clarity and confidence to move forward.   #InfiniteBanking #BecomeYourOwnBank #FinancialEducation   Chapters: 0:00 – Intro & Guest Welcome 0:29 – Brothers’ Background & Journey 3:03 – Infinite Banking Overview 3:36 – Whole Life: If vs. When 5:26 – Three-Cup Setup Explained 7:54 – Equity & Cash Value Access 10:12 – Ways People Use Infinite Banking 11:00 – Age, Eligibility & Starting Late 14:23 – Practical Examples (Debt, Cars, Education) 19:01 – Building the Banking Bros Brand 21:29 – Systems, AI & Scaling 26:08 – Advice for New Insurance Agents 29:20 – Where to Find the Banking Bros   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Cash-flow stacking is one of the fastest, most predictable paths to long-term wealth, and today, we’re breaking it down step by step so anyone can understand it. Instead of relying on traditional savings, slow compounding, or risky one-off investments, this method leverages recurring cash flow, passive income stacking, and repeating financial systems to build wealth over time.   If you’ve heard terms like infinite banking, amortized notes, passive income stacking, private lending, or income snowballing but weren’t sure how they actually work in real life, this episode simplifies everything into a practical framework you can apply.   #CashFlowStacking #PassiveIncome #WealthBuilding   Chapters: 0:00 – Intro 0:22 – Passive income stacking overview 1:53 – Learning to apply, not just learn 3:09 – Cash flow stacking explained 7:01 – How the strategy works 10:16 – What income stacking actually is 11:23 – How amortized notes function 13:11 – Using notes to repay policy loans 14:01 – Budgeting & finding excess cash flow 16:00 – Why 3-year notes work best 18:34 – Rinse-and-repeat system 21:02 – $10k stack example 26:13 – Policy loan interest explained 27:23 – Real examples 32:11 – Increasing stack sizes 33:06 – When you get to use the money 36:35 – Using stacks for backup cash flow 38:47 – Paying premiums with stacks 40:12 – Long-term efficiency of policies   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

See how we transformed a family Thanksgiving into a financial masterclass, teaching guaranteed lifetime income, passive income strategies, and family wealth planning. From life insurance tips to fun family quizzes and interactive activities, we show how to make money conversations engaging for all ages.   Learn practical strategies to host your own financial family reunion and create systems that grow and protect wealth across generations. Perfect for anyone curious about infinite banking, family finance, and financial freedom.   #FamilyWealth #MoneyMasterclass #FinancialFamilyReunion   Chapters: 0:00 – Intro & Podcast Welcome 0:23 – Thanksgiving Gathering & Tech Support 1:56 – Using Visuals & Money Topics 3:06 – Financial Family Reunion Overview 4:00 – Agenda & Five F’s: Faith, Family, Fun, Fitness, Finances 6:34 – Faith: Family Devotional 7:25 – Fun: Family Trivia Game 8:16 – Fitness: Secret Santa Book Exchange 9:40 – Family Updates & Highlights 10:42 – Purpose: Relational, Non-Sales Environment 11:46 – Jonah Leads Financial Discussion 12:36 – Planning Holiday Reunion Call 13:09 – Finance: Life Insurance Talk 14:25 – Income Strategy & Family Support 15:03 – Guaranteed Passive Income & Preparedness 15:30 – Reunion Highlights 15:46 – Closing & Facilitation Invitation If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Wealth building, cash flow, and financial freedom don’t come from hard work alone; they come from using a smarter wealth strategy that works even when your job doesn’t. In this episode, we break down why traditional career advice falls short and reveal how Infinite Banking and Guaranteed Income create real, predictable financial security.   If you’ve ever wondered why so many hardworking people still struggle financially, or why high earners often feel trapped, this conversation will change the way you think about money, careers, and long-term financial control.   #guaranteedincome #wealthbuilding #cashflow #infinitebanking #financialfreedom   Chapter: 0:00 – The Career Advice No One Questions 0:33 – Is the Ladder a Trap? 1:16 – The Path to Real Financial Freedom 1:32 – Amazon’s Secret to Getting Noticed 5:20 – The Money Mistake Millionaires Make First 10:06 – IBM’s One Question That Changes Everything 12:00 – LinkedIn’s Rule for a Fulfilling Career 15:24 – Fan Shoutout 16:31 – The CEO Who Stopped Trying to “Be One of the Guys” 19:05 – The Hidden Reward of Staying the Course 25:38 – The Advice That Opens New Doors 30:21 – Leadership’s Hardest Truth 32:21 – The Hosts’ Most Powerful Financial Lesson If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Many seniors assume life insurance is only for young families with mortgages and kids, but the truth is, it can be a powerful tool for retirement planning, legacy building, and financial security. In this episode, we break down everything you need to know about life insurance after 65, including permanent vs. term policies, final expense coverage, and how some retirees are leveraging life insurance to protect wealth and reduce taxes.   #LifeInsurance #RetirementPlanning #FinancialFreedom #LegacyBuilding   Talk to one of our partners, Traci S. Bell: CalendlyAlternative Asset Investing - Traci S. Bell, CPA, Financial Educator   Chapter: 0:00 – Intro: Is life insurance after 65 a strategy? 01:56 – Reviewing insurance during open enrollment 00:59 – Year-end financial reviews with family 06:34 – Misconceptions: “Too old / too expensive” 07:55 – What to consider when buying at 65+ 10:55 – What life insurance can solve (final expenses, estate issues) 12:05 – Example: Inheriting assets without cash 13:39 – Special needs + long-term care planning 14:56 – Beneficiary mistakes with minors 17:00 – Retirement income realities (Social Security, pensions) 19:19 – Cash value as a reserve 20:22 – Whole life vs universal life 21:53 – Cash-ready custom policies for seniors 23:49 - Fan Follow of the week 25:05 – Tax advantages of private life insurance 26:21 – Inheriting taxable retirement accounts 27:40 – Families avoiding money conversations 28:36 – When seniors can’t qualify & insuring others 29:33 – Life insurance as a “finish strong” tool 30:03 – Book a call for personalized guidance If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Think you’re ready to retire? Before you make that leap, take a hard look at the latest retirement savings data. According to new studies, the average 401(k) balance for people in their 60s might not be enough to guarantee financial freedom, and the median numbers tell an even more sobering story.   In this episode, we break down how much you should have saved for retirement by your 60s, reveal the surprising gap between the average and median 401(k) balances, and explain what those numbers really mean for your future.   #RetirementPlanning #FinancialFreedom #WealthBuilding #RetireSmart Chapter: 0:00 - Are you really ready to retire? 0:17 - Real stats on 401(k) balances 01:03 -Fan Follow of the week 2:18 - Average vs. median retirement savings 5:55 - How much you actually need to retire 7:16 - Life expectancy and planning ahead 9:00 - Retirement confidence and generational gaps 11:46 - Do people still believe in retirement? 13:01 - Real couple’s retirement case study 14:59 - The 4% rule explained 20:15 - Why 401(k)s alone won’t cut it 21:23 - Using whole life and annuities for income 22:26 - When investments stop working 23:02 - Social Security as the main retirement check 25:00 - Why typical savings advice falls short 26:53 - Downsizing and other “retirement fixes” 29:13 - Creating a realistic retirement plan 31:27 - Guaranteed income options and next steps 32:34 - Final message: plan, act, and secure your future If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

FINANCES. That’s the “F-word” no one talks about, but it’s the one that can completely transform your financial future. In this episode, we reveal why funding yourself is the secret weapon the wealthy have used for generations. You’ll learn how to take control of your money, stop relying on banks, and start using your own system to create consistent cash flow, generational wealth, and financial peace of mind.   #WealthBuilding #Fund #SmartMoneyMoves #FinancialLiteracy   Chapter: 0:00 - Intro: Go Fund Yourself 0:24 - Revisiting the “F Word” idea (Finance) 1:23 - You finance everything you buy 2:30 - The GoFundMe mindset & financial unpreparedness 4:59 - The five big basics of financing 5:36 - How to fund yourself 6:21 - The real cost of car financing 9:38 - Lifetime interest adds up fast 12:29 - The five F’s: Faith, Family, Friends, Fitness, Finance 15:09 - Real story: Saving vs investing confusion 18:18 - Be ready for financial emergencies 21:12 - Financial family reunions & free consultations 24:29 - Fan Follow of the Week: Colton Farnsworth 25:15 - Closing message: Fix your “F’ing problem” and fund your future   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

In this episode, we sat down with Chris Murtagh to uncover what Infinite Banking really is and what most people don’t know about it.   We share how we discovered the Infinite Banking Concept (IBC), how it completely changed the way we think about money, and why becoming your own banker can be one of the most powerful financial strategies out there. If you’ve ever felt stuck in traditional banking, this conversation will open your eyes to what real financial freedom can look like.   #InfiniteBanking #BeYourOwnBanker #FinancialFreedom #WealthBuilding #MoneyMindset   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Most people aren’t bad with money; they’re just playing the wrong money game. In this episode, we reveal how the financial system is designed to keep you stuck, and how the wealthy play by a completely different set of rules to build wealth and create cash flow.   If you’ve ever felt frustrated, confused, or guilty about your finances, this conversation will change how you think about money. Discover how to escape the broken “traditional money model,” avoid common money mistakes, and start building real, lasting wealth even if you’re starting from scratch.   #FinancialFreedom #WealthBuilding #MoneyMindset #InfiniteBanking #MoneyTips Chapter: 00:00: Are you really bad with money? 0:47: Welcome to the Banking Bros Podcast 01:08: You’re not bad with money, you’re playing the wrong game 02:03: Trained to be workers, not wealth builders 05:05: Why schools don’t teach financial literacy 10:58: The system is built to create employees, not owners 12:13: The traditional money game (job, save, invest) 17:53: The right money game begins with control 18:07: Rule #1: Control beats rate of return 19:00: Rule #2: Keep money moving (leverage) 21:08: Rule #3: Protect your money from losses 23:25: Rule #4: Cash flow is king 27:22: Fan Follow of the Week: John Reyes 28:28: How to start playing the right financial game 32:04: Key takeaways 33:41: Closing message & poem     If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Most Americans believe retirement planning is about either saving enough to live on or leaving something behind. But what if you could do both, and do it better than Wall Street’s “just invest” advice? In this episode, we break down why traditional retirement strategies, such as “buy term and invest the rest,” often fail to deliver. Backed by an EY research study, we reveal how combining permanent life insurance (PLI) and deferred income annuities (DIA) creates tax-efficient growth, guaranteed income in retirement, and a lasting legacy. What You’ll Learn: ✔️ Why investment-only retirement plans often fall short ✔️ How life insurance + annuities outperform Wall Street’s advice ✔️ The “sweet spot” formula: up to 30% PLI + 30% DIA ✔️ Why it’s never too late, whether you start at 25, 35, or 45 ✔️ How this connects with Infinite Banking principles to build long-term wealth Chapter: 0:00 - Rethinking retirement: saving vs. leaving a legacy 0:15 - Ernst & Young study on insurance in retirement planning 1:05 - Who Ernst & Young are and why their research matters 3:19 - Life insurance & annuities vs. investment-only strategies 5:07 - Explaining permanent life insurance and annuities 8:04 - Retirement savings gaps and risks by 2030 12:01 - Real-life financial struggles and debt examples 14:07 - Five retirement strategies compared in EY’s analysis 19:20 - Which strategies actually outperform 23:29 - Why integrated insurance strategies work better 27:03 - EY’s “sweet spot”: 30% life insurance + 30% annuities 29:22 - Fan follow shoutout: Robert Kindt 30:24 - Call to action: free cash consultation Links: Benefits of Integrating Insurance Products into a Retirement Plan How life insurers can provide differentiated retirement benefits If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros    

Long-term care planning isn’t optional; it’s essential. In this episode, we uncover the true costs of long-term care, why so many families are caught off guard, and how asset-based long-term care insurance can safeguard both your wealth and your loved ones. Most people shrug off statistics like “70% of Americans over 65 will need care.” But when you picture your spouse writing $8,000 checks every month, or your kids leaving their jobs to become caregivers, the reality hits hard. That’s why this conversation isn’t about abstract numbers; it’s about real-life consequences, emotional strain, and financial security. What you’ll learn in this episode: Why most people underestimate long-term care risk until it’s too late The shocking 2024 costs of nursing homes and in-home care (and why Medicare won’t save you) The hidden burden caregiving places on families financially and emotionally How asset-based LTC insurance outperforms traditional “use it or lose it” policies Practical steps to protect your retirement savings and keep your family from impossible choices Chapter: 00:00: Intro & why long-term care planning matters 03:01: What long-term care really means 07:35: The rising costs of care 08:48: Self-insuring vs. insurance debate 12:16: The sandwich generation’s burden 16:29: Financial strains & hidden costs 21:00: Long-term care insurance product overview 24:40: Baseball analogy: planning for relief 27:26: Protecting family from impossible choices 27:54: Shoutout to fan follow of the week: Scott Kidd 28:50: How to connect with the Banking Bros for planning If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Traditional retirement planning is broken, and it’s costing people their freedom. In this episode, we expose the 3 biggest lies of retirement planning and reveal why relying on a 401(k) or IRA may leave you trapped instead of free. You’ll discover how inflation, taxes, and government rules quietly erode your savings, and why real financial independence comes from liquidity, control, and legacy planning, not waiting until 65. Listen now to learn: Why “saving enough” doesn’t guarantee security The hidden risks of retirement accounts A smarter way to use your money for freedom today and generational wealth tomorrow If you’ve ever wondered whether the system is rigged against you, this episode will change how you see retirement forever. Don’t just plan to retire, plan to live free. 0:00: Intro & retirement dream model 0:53: Why traditional retirement advice is broken 1:18: Typical vs. traditional planning 1:48: History of retirement accounts 3:44: Lie #1: “Save enough and you’ll be set” 10:10: Lie #2: “Your retirement accounts are your money” 15:25: Lie #3: “Retirement equals freedom” 17:40: Retirement fun facts & harsh realities 23:31: Liquidity, control & legacy planning 24:12: Listener shoutout: Bernie Espinosa 25:06: Questioning the retirement playbook & closing If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Why is it that banks always seem to get richer while families keep struggling just to stay ahead? The truth is, banks have mastered a system where every dollar does multiple jobs, while most people let their money do just one before it disappears. In this episode, you’ll discover how Infinite Banking can help you break out of that cycle. Instead of relying on banks, you’ll learn how to create your own system that keeps your money growing, working, and circulating for your family’s benefit. This matters because the way you use your money today could determine whether you stay stuck in financial dependence or finally take control and build lasting wealth for generations.   Chapter: 00:00: Intro 04:45: How does the Bank make money? 07:35: What the Banks are paying you 16:15: Are you stuck in this system? 17:45: CashFlow Patterns 25:00: How the Save & Spend System works 31:00: Recapture the Interest 36:35: Outro   If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link   If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6   You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link   Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

What if your money could work twice as hard, covering your life today while growing for your future? In this episode, we sit down with Hannah Kesler as she breaks down the Infinite Banking Concept in a simple, practical, and actionable way. Hannah shares her personal journey, insider strategies, and mindset shifts that helped her take control of her finances, and how you can too. Whether you’re just starting out or looking to level up your money game, this episode is packed with insights you won’t want to miss! Chapters: 0:00 - Introductions 1:01 - Denver event preview 2:10 - Power of community 5:21 - Growth since last year 9:20 - Hannah’s new van with IBC 11:20 - Day 1 highlights 15:20 - Day 2 highlights 19:17 - VIP experience 21:42 - Who should attend 24:34 - Hannah’s Cracker Barrel story 26:08 - Closing & invitation If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6 You can learn more about us at: https://thebankingbros.com/save-and-spend-system-podcast-link Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros