The Banking Bros Podcast

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: 0:00 - Intro & why long-term care planning matters 3:01 - What long-term care really means 7:35 - The rising costs of care 8:48 - 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 34:34 - Fan Follow Shoutout 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!   Chapter: 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

In this episode JDew interviews new friend and Greenville local Sky Richardson. Sky grew up talking about money and now helps other financial advisors to their work. What secrets will he share with Jeremiah? Tune in and find out. 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros  

Two families. Same era. Enormous wealth. But only one is still rich today. In this episode of The Banking Bros Podcast, we reveal how the Rockefellers built a fortune that has lasted over a century—while the Vanderbilts managed to lose it all within two generations. In this episode you’ll discover: – The Rockefeller blueprint for generational wealth – The financial mistakes that destroyed the Vanderbilt empire – How Infinite Banking and strategic whole life insurance create wealth that outlives you – Why the wealthy don’t “save” money… they circulate it inside the family If you want to build a financial legacy that lasts—and avoid the Vanderbilt trap—this episode will show you the strategies the wealthy have been using all along. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros  

Dave Ramsey calls whole life insurance a scam, but we’re breaking down why his statements are misleading, and what he’s not telling you about how it really works. In this video, we go line-by-line through his article, fact-checking his claims, and explaining how wealthy people actually use whole life policies for the Infinite Banking Concept. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros   Shownotes:  00:00 - Intro – Breaking down Dave Ramsey’s claims 02:18 - Dave’s stance on permanent life insurance 05:21 - Why “you’ll probably pay more than you get” is wrong 07:05 - Whole life vs. other types of insurance 09:50 - Mislabeling cash value as “savings” 13:18 - Premiums and costs explained 15:09 - Cash value guarantees – New York Life example 18:42 - Death benefit and guaranteed payout 22:03 - “Whole life is a rip off” – opinion vs. fact 26:39 - Why mutual funds aren’t a guaranteed better option 30:20 - How to fact-check financial advice 34:44 - Final thoughts – Is whole life for you?    

Many financial gurus say to wait until 60 to get long-term care insurance—but that advice could cost you big. In this episode of The Banking Bros Podcast, we reveal why delaying coverage risks your health, finances, and family security, and how asset-based long-term care can protect you without wasting money. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros   Shownotes:  00:00 – Why waiting until 60 for long-term care is risky  01:15 – The real costs of long-term care  06:20 – Assisted living, home health aides, and nursing home expenses  12:20 – How traditional long-term care insurance works  14:35 – Asset-based long-term care explained  18:05 – Dave Ramsey’s advice and why we disagree  22:20 – The reality of care needs before age 60  28:35 – The risk of longer-than-average care needs  33:05 – Stacking policies for better coverage  36:05 – Why you must act now, not later

In this episode JDew interviews Audrey Forka and they talk about how her up-bringing and her background in health care have influenced her passion for financial security and utilizing the Infinite Banking Concept. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Is the American Dream still alive—or just delayed with interest? In this episode, Jonah and JDew break down how the system has normalized debt, vilified delayed gratification, and quietly let inflation rob your wallet. From student loans to rising grocery prices, we're all out here making payments on a dream that keeps slipping away. But it doesn’t have to be that way! In this episode we expose the myths of traditional financial advice and offer a bold alternative: ownership + liquidity = real freedom. If you're tired of waiting until 65 to live life, this one’s for you. Key Topics: • Why debt keeps you broke longer than you think • How inflation is the invisible enemy of wealth • Why traditional retirement advice is outdated • How to reclaim financial control with ownership and liquidity If you are ready to stop financing someone else’s dream and start building your own you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros  

The Banking Bros had the opportunity to appear as guests on the Infinite Banking Initiative Podcast and in this conversation Jeremiah and Jonah explore how traditional banking systems often fall short for everyday people, especially regarding wealth building, financial control, and interest pitfalls. They introduce the Infinite Banking Concept. They outline the mechanics, benefits, and considerations, aiming to empower viewers to rethink their financial strategies. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt Check out the NNI Infinite Banking Initiative podcast here: https://podcasts.apple.com/us/podcast/jeremiah-dew-jonah-dew/id1788943766?i=1000717196146 You can learn more about us at: https://www.thebankingbros.com 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 does most financial advice come from people who are still broke? In this episode, Jonah and JDew, the Banking Bros, pull back the curtain on the outdated, recycled financial "wisdom" we’ve all heard: 💬 “Avoid all debt.” 💬 “Buy term and invest the difference.” 💬 “Get a good job and retire at 65.” 💬 “Save all your money in a bank.” Sound familiar? Most of these ideas come from well-meaning family, schools, and media—but not from people who actually built wealth. In this episode we explore: • Why "tradition" doesn’t equal "truth" • Where mainstream money advice really comes from • How the wealthy think differently about debt, assets, and control • Practical steps to unlearn broke advice and build lasting wealth If your mentors don’t have the financial results you want... maybe it’s time to stop listening. 🔗 RESOURCES MENTIONED: - Our free Infinite Banking course ➤ https://thebankingbros.com/getting-started-yt - Nelson Nash Institute (Infinite Banking) - “Rich Dad Poor Dad” lessons - Forbes: Financial Education Gap Schedule your FREE call with us at: https://thebankingbros.com/getting-started-yt 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://www.thebankingbros.com 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 of The Banking Bros, Jonah and JDew pull back the curtain on the truth about traditional banking. From sudden bank collapses like Silicon Valley Bank to the limits of FDIC protection, we’re exposing why “safe and easy” might actually be costing you thousands. 💸 What you’ll learn in this episode: • Why big banks still fail—and how fast it can happen • The truth about FDIC insurance (Hint: $250K isn’t much if you’re building wealth) • How banks make money off your deposits while you earn pennies • Why mobile apps and slick branding keep people complacent 🎯 Stop mistaking comfort for safety. Start learning how to take control of your cash and beat the system at its own game. 👉 SUBSCRIBE for more straight talk on money, infinite banking, and financial freedom from The Banking Bros. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros  

Today JDew interviews Brandon Neely from Wealth Wisdom Financial. He's an NNI certified, Profit First certified, Infinite Banker from Columbus, Ohio. In this episode he shares his financial journey, his faith, and his strategies for growing wealth. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros  

Are you chasing big returns and wondering why your portfolio isn’t growing like it should? In this episode, The Banking Bros break down the truth about average vs. actual returns—and why the sequence of returns and drawdown effect could be wrecking your financial future. – Learn why a 7% “average return” might be misleading. – Discover how early losses impact your retirement. – Get strategies to protect your wealth (even in downturns). – Stop chasing the next big win—start creating lasting results. 👉 If you're ready to build real wealth with smarter strategies, hit that subscribe button and join the movement. Then visit: https://saveandspendsystem.com/getting-started-page to learn more and to watch our full Save & Spend Presentation. 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://www.thebankingbros.com 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 tariffs are just boring government stuff? Think again.Every time you buy a phone, sneakers, or even a banana—tariffs might be silently raising the price. In this episode of The Banking Bros, Jonah and JDew break down how tariffs work, why they exist, and how they’re impacting your wallet more than you might realize. This isn’t just an economics lesson—it’s a financial wake-up call with laughs, insights, and a few fruit jokes. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page 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://www.thebankingbros.com 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 need a financial advisor to build wealth? Think again. In this episode of The Banking Bros, Jonah and JDew reveal why financial awareness is more powerful than handing your money over to someone else. We break down what financial awareness really means, how to achieve it, and why it’s the key to controlling your financial future. Whether you're drowning in debt or just starting your money journey, this video will show you how to: – Understand your own financial situation – Set and reach your money goals – Avoid costly financial advisor fees – Build lasting wealth on your own terms This episode includes a sneak peek at our new course Save & Spend System Course—designed to take you from confused to confident with your cash. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page You can learn more about us at: https://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros  

Imagine your 3-year-old being richer than your 30-year-old cousin... It’s not fantasy—it’s just financial strategy done right. In this episode, JDew breaks down why his four kids each have their own banking system built with whole life insurance policies. From locking in lifetime wealth tools to teaching stewardship and entrepreneurial thinking, this is a generational wealth blueprint every parent needs. What You’ll Learn: - Why insuring your children is actually wise, not weird - How whole life insurance builds unstoppable cashflow - How JDew is training his kids (ages 3–11) to own the bank How to start your own child’s personal bank today: 🚀 Schedule your FREE Cash Consultation: https://saveandspendsystem.com/getting-started 👨‍👩‍👧‍👦 Want to build legacy-level wealth for your family? Don’t wait. 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://www.thebankingbros.com Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

If you lost your job today, how long could you survive without income? Most people guess... but there’s actually a formula to find your survival number. In this episode of The Banking Bros, we break down the concept of a Liquidity Episode—what it is, how to calculate it, and why it’s a non-negotiable for financial peace of mind. Learn how to calculate your Liquidity Ratio Understand what it means for your financial safety net Discover tips to improve your emergency fund and reduce risk Whether you're salaried, freelance, or just trying to get ahead financially, this is one of the most important numbers you should know. "Don’t just build wealth—build security." Subscribe for more straight-talk money moves from The Banking Bros! If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page 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://www.thebankingbros.com 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 of The Banking Bros Podcast, Jeremiah and Jonah unpack the hidden costs of lifestyle inflation—that sneaky habit of spending more as you earn more. Whether you just got a raise, bonus, or new job, this conversation will help you avoid the "earn more, spend more" trap that keeps people stuck. Learn how to use your extra income to build real wealth, reduce debt, and create long-term financial freedom. In This Episode: What is lifestyle inflation and why is it so dangerous? How small upgrades can sabotage big goals 6 powerful strategies to fight lifestyle creep Real tips to automate savings, set goals, and live below your means Learn more at www.TheBankingBros.com