Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

Episode 345: Direct vs. Non-Direct Policy Loans, The Debate and The Truth

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In this episode, we ask:

  • What is a policy loan?
  • Why do we love the Bank on Yourself® type whole life insurance policies?
  • Is a non-direct recognition policy loan the best feature in the financial universe?
  • What is a direct recognition policy loan?
  • Is there really no difference between the two?
  • Does it really matter?
  • Why is transparency key?
  • What is the history between non-direct recognition and direct recognition policy loans?
  • How long have life insurance policies loans been around?
  • Over 150 years ago, how did insurers treat these separate loans with distinct interest rates?
  • What about collateral?
  • What about the life insurance general fund?
  • What about using your policy as collateral?
  • What about dividends?
  • How would the policy continue to earn interest?
  • Where is the money for the loan coming from exactly?
  • Why did some insurance companies move over to do direct recognition policy loans?
  • Why did some insurance companies hold firm with non-direct recognition policy loans?
  • What is a mutual life insurance company?
  • What about profits?
  • Who should logically have a higher dividend?
  • Who is penalized?
  • Do companies offering direct recognition policy loans offer slightly higher dividends?
  • Who is going to have a better experience?
  • What good is that cash value if you can’t collateralize it?
  • What about the living benefits of life insurance?
  • What is outrageous?
  • What did Nelson Nash say?
  • Who has real liquidity?
  • What about direct recognition policy loans for a time horizon (for 10 years, etc.)?
  • How about an example?
  • What is a 1035 exchange (a like-kind exchange for life insurance)
  • Would you like to learn more in Episode 252?
  • What happens in a scenario where direct recognition policy loans were taken?
  • What happens in a scenario where non-direct recognition policy loans (as in a Bank on Yourself type whole life insurance policy) were taken?
  • What about the dollar diagram?
  • What about the one dollar?
  • What happens if you put this single dollar into a paid up additions rider (PUAR)?
  • What about opportunity cost?
  • What happens if you spend that dollar instead of saving it?
  • What is the interest?
  • What benefits you?
  • What about dividends?
  • How do the insurers earn money for dividends?
  • How does that benefit policy holders?
  • How much would you have?
  • How many dollars…?
  • Is there such a thing as paying too much premium?
  • How about another example about a policy loan to purchase a car?
  • What did the three cars cost you?
  • How much did you net in the non-direct recognition policy loan’s policy?
  • Knowing all of this, why would you buy a car any other way?
  • Should you just get a bank loan?
  • What totally defeats the purpose of Bank on Yourself®?
  • Are you being penalized?
  • Which scenario keeps me more in control of my own money?
  • Which scenario yields control to the bank?
  • What about Bank on Yourself® policy engineering? 
  • Would you like to meet with Mark?
  • Would you join us next week?

The topics and images presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation. 

Episode 344: Owning the Number with Len Renier (Part 2)

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In this episode, we ask:

  • Would you think long range?
  • Would you like to hear Part 1, Episode 343?
  • How about an example?
  • What about an inheritance?
  • Are you going to bet on it?
  • What about creating legacy programs?
  • What did you see?
  • What didn’t you see?
  • Who owned the number?
  • What happened when Ms. Smith died?
  • Who understood the idea of legacy?
  • What are the powerful implications of legacy maximization?
  • What about family and religion?
  • What about ownership?
  • Would you like to read Len’s books?
  • How will generational planning improve your life today?
  • Would you like to visit wealthandwisdominc.com?
  • What are the action steps?

 

Leonard Renier studies the economic trends and shifts and the impact of government programs and regulations on the social fabric of our country. His research has resulted in bringing a new awareness to the financial challenges the average American faces. Leonard is considered an expert in communicating these challenges and believes with more information; people will make better life decisions. As founder of the Wealth & Wisdom Institute, Leonard recognized the importance of Education, Discovery and Understanding. He has been involved in the financial services industry for over 30 years.

Episode 343: The Money Matrix with Len Renier (Part 1)

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In this episode, we ask:

  • How do magicians make the impossible, possible?
  • Have you heard financial advisors act like magicians?
  • Do you want your financial advisor to retire before you?
  • What don’t you see?
  • Who is Len Renier?
  • What is the Wealth and Wisdom Institute?
  • What about knowledge?
  • What about wisdom?
  • Would you like to learn about hiddenomics?
  • What about time?
  • Will you inherit the financial challenges in your life?
  • Will you inherit the financial solutions?
  • What do you see? What don’t you see?
  • What will impact your financial future?
  • What about Len’s book, Double Jeopardy?
  • How about a story?
  • What financial accident will occur?
  • What are the five core elements?
    • Risk
    • Taxes
    • Regulation
    • Inflation
    • Depreciation
  • Which of these five elements do you control?
  • Does your 401(k) solve these problems for you?
  • When can you create a brand new ending?
  • What are the critical stages?
  • What is the role of the government?
  • How much did they collect in income tax?
  • Do you believe it’s a good idea to defer tax until a later date?
  • What about the debt issue?
  • What about the unique inflation situation?
  • How do they measure inflation?
  • What about the cost of energy and food?
  • What was the two year inflation rate (as of Autumn 2023)?
  • What about credit cards?
  • What is losing value?
  • Is accumulation buying power?
  • How about an example?
  • What about buying power?
  • How about a qualified plan example?
  • What about the hidden elements?
  • Why is ownership important?
  • What about reducing the element of risk?
  • What questions do you need to ask?
  • What about the money matrix?
  • What about owning the number now?
  •  What are the action steps?

Leonard Renier studies the economic trends and shifts and the impact of government programs and regulations on the social fabric of our country. His research has resulted in bringing a new awareness to the financial challenges the average American faces. Leonard is considered an expert in communicating these challenges and believes with more information; people will make better life decisions. As founder of the Wealth & Wisdom Institute, Leonard recognized the importance of Education, Discovery and Understanding. He has been involved in the financial services industry for over 30 years.

Episode 342: Beware of Analysis Paralysis

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In this episode, we ask:

  • What is the exceedingly odd number?
  • Why?
  • What about the imperial Roman war chariot?
  • What about the space shuttle?
  • What are the historical roots of our financial principles?
  • What are the ruts?
  • What are the engrained financial beliefs?
  • What would you do?
  • Who is stuck in the rut?
  • What is analysis paralysis?
  • What about second guessing yourself?
  • What are the phases?
  • What about curiosity?
  • What about hope?
  • What changes?
  • What about the fear of making the wrong decision?
  • What about missed opportunities?
  • What about real consequences?
  • What about the inverse relationship between spinning tires and forward momentum?
  • Where is your energy going?
  • What do we do with overwhelm?
  • When does this become a problem?
  • What about confusion?
  • What about whirlwinds of thought?
  • What about the spinning wheel of over-thinking?
  • How might analysis paralysis sabotage the big issues in your life?
  • Is the tire just stuck in the snow?
  • What happened to Mark when he learned about the Bank on Yourself® type whole life insurance policies?
  • Do you truly understand the policy?
  • What about rigid thinking?
  • What about cognitive flexibility?
  • What are some both/and ideas?
  • What about an example?
  • What happened at the year-end review?
  • What about perfectionism?
  • What about being careful?
  • What about people pleasing?
  • Is the person I’m trying to please planning to be financially involved with my financial future?
  • Who has made mistakes with money?
  • How might one recover resilience and confidence?
  • What did Mark learn when his car was stuck in the ice and snow?
  • What is the correlation between learning and doing?
  • What do you need to know?
  • What about the contractual guarantee?
  • What about the financial ruts of the past?
  • Where do you want to go financially?
  • What are some steps?
  • What are the signals the body and mind are sending?
  • What about the permission to be flexible?
  • Are you confident that you can make good decisions?
  • What’s the worst that can happen?
  • Who is can deal with moments of stress, challenge and discomfort?
  • Who deserves to get a voice, and who are the stakeholders?
  • What can we predict?
  • What about a financially solvent future?
  • Do you know enough to make a good decision?
  • What are your success stories?

Episode 341: Base vs. Boost! The Ultimate Ratio for Bank on Yourself®

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In this episode, we ask:

  • How might you phrase a question?
  • Would you like to hear some commonly asked questions?
  • Would you like to email us at hello@nyafinancialpodcast.com?
  • How much should be put into base premium and how much into paid up additions?
  • Who is your Bank on Yourself® Professional?
  • Who protects the Bank on Yourself® brand?
  • Why is this important?
  • What are the three major components?
  • Would you like to hear Episode 6?
  • What is a base face amount?
  • What remains fixed?
  • What about guarantees?
  • What is the term rider?
  • What about converting term riders?
  • What is the paid up addition?
  • How does the paid up addition affect the death benefit?
  • How about an example?
  • How are Bank on Yourself® type whole life insurance policies different from traditional, basic whole life insurance policies?
  • What happens if you shrink down the face amount?
  • What problem could develop?
  • Do you have a modified endowment?
  • Why add a term rider?
  • How much does the term cost?
  • What is the benefit of the term rider?
  • What accelerates the cash value accumulation?
  • What increases the death benefit?
  • Would you like to hear Episode 142?
  • What are the three components of a good sailboat?
  • What about a good balance?
  • Who knows how to build this properly?
  • Is the base a necessary evil?
  • How about a bank account?
  • How is the boat designed?
  • Where did that YouTube advisor get their credentials?
  • What is the reason for the base contract?
  • What about dividends?
  • What about upkeep?
  • What happens later on?
  • What about speed and power?
  • What happens if income drops?
  • What provides instant growth?
  • Why is some base important?
  • What is a strong blend?
  • What happens when you increase your base premium?
  • What are the benefits? What are the opportunity costs?
  • What likely happens to the dividends?
  • Who thinks long range?
  • When in your lifetime will you not need money?
  • How about an example?
  • What about liquidity?
  • What happened from year 3 to year 4 in this example?
  • Who is paying who for that life insurance policy?
  • How can this policy perform incredibly well?
  • What about the long-term family business thinking of this Japanese hotel?
  • Are you able to think long range?
  • Are you thinking about multiple generations?
  • When do you want your money to be most efficient?
  • What about balancing your base premium with paid up additions properly?
  • Are you aware of the risk of a shrinking base / face amount?
  • Did you know term riders can be your friend?
  • Have you reviewed your existing life insurance policies?
  • Who is your Bank on Yourself® Professional?
  • What tools have you reviewed?
  • What questions do you have?
  • What valuable insights might you discover?
  • Would you like to ask a question for the mailbag by emailing us at hello@nyafinancialpodcast.com?

Episode 340: Get the Facts on Bank on Yourself® Policy Loans

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In this episode, we ask:

  • What if you could take real control?
  • How do life insurance policy loans really work?
  • Would you like to hear even more about policy loans in Episode 32?
  • What are some of the misconceptions about policy loans?
  • What about pulling cash from a savings account?
  • Is it scary to request a policy?
  • How does one take a life insurance policy loan exactly?
  • Spoiler alert?
  • How are life insurance policy loans different than bank loans?
  • Who is in control when you take a loan?
  • How do you take your first loan?
  • Is there loan interest?
  • How is it calculated?
  • Is it annually charged?
  • Is it based on policy anniversary year or calendar year?
  • Is interest charged at the end of the year?
  • What is interest charged in arrears?
  • What is the best way to manage policy loans?
  • What about the accrual of interest?
  • When does the interest compound?
  • How about an example?
  • When are your dividends paid?
  • When is the annual premium due (if you are paying annual premiums)?
  • How much interest accrued?
  • What happens if you make no loan repayments?
  • Do you see how using a policy loan allows you to pay a policy loan down faster than another type of loan?
  • Is 5% always, exactly, 5%?
  • What happens if you pay your loan off in a responsible way?
  • What is the real (annual percentage rate) APR?
  • How about another loan example for $10,000?
    • What if you paid a $250/month loan repayment?
    • Would the interest be accruing but not compounding?
    • Would the interest be charged annually in arrears?
    • What if you paid the loan off completely within 4 years?
    • Wouldn’t the total interest be $830.23, with an APR be much less than 5%, closer to 2.08% APR?
  • Is borrowing at 2.08% APR attractive in today’s environment?
  • Is the policy’s cash value still growing, even with the policy loan outstanding (as if you never took a loan)?
  • Isn’t it nice that you’re not snowballing your interest all year long?
  • When do they compound your interest?
  • Don’t you wish that other loans would work this way?
  • Are we even scratching the surface of how cool these policy loans are?
  • What happens if you don’t pay your policy loan at the policy’s anniversary date?
  • When is the interest due?
  • What are the options?
  • What letter does the insurer send regarding the loan?
  • What happens if you ignore the letter?
  • Who is in control?
  • How could you make it so your interest would never compound… ever?
  • How about that advantage?
  • Have you noticed that interest rates are rising?
  • How predictable is life insurance?
  • What will the insurer do with the loan interest rate upon the policy anniversary date?
  • What about simple interest?
  • What about simple interest compounded annually in arrears?
  • What about red tape?
  • Are there prohibited transactions?
  • Are you able to deduct the interest?
  • What about business owned life insurance policies?
  • What are the IRS rules for business owned life insurance policy loan interest deductions?
  • What about an example?
  • Did I pay for that car twice?
  • Would you like to hear Episode 110?
  • Do we often make payments on the other side of a purchase?
  • What happens when we repay the loan?
  • What is it really like to take a policy loan?
  • Can you take a loan online?
  • Do you have to set up a loan repayment?
  • Should you repay your loan over a reasonable amount of time?
  • What would the bank require?
  • Would repaying the policy loans increase the available cash value?
  • Does the cash value grow on a guaranteed basis?
  • What about long term loans?
  • Would you like to hear Episode 87?
  • What about a case studies?
  • What did they do with the inheritance?
  • How did they self finance a construction loan?
  • What about business financing?
  • Would you like to hear Episode 75?
  • Do you understand how policy loans work?
  • What could you do with your policy?
  • Would you like to hear Episode 102?
  • Would you like to hear Episode 110?
  • Would you like to meet with Mark?
  • What about starting small?
  • What does responsible repayment look like?
  • Who needs to hear this?

For our existing clients, please contact our staff with any specific policy loan setup questions. This is what we do! We are happy to help, and we help clients with policy loans all day long. Please call or reach out to us, no question is too small.  

Episode 339: How Bank on Yourself® Solves the Four Greatest Dangers to Your Retirement

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In this episode, we ask:

  • Who do you know who needs to hear this?
  • Would you like a free book?
  • What are the four greatest dangers to your retirement?
  • Did you hear Episode 338?
  • How does the Bank on Yourself® type whole life insurance policy solve these dangers?
  • What does Pamela Yellen do to protect the intellectual property and quality of the Bank on Yourself® brand?
  • Are you getting a correctly and properly designed dividend paying whole life insurance policy?
  • Did you buy an incorrectly designed policy? Would you to book a meeting with us to get a second set of eyes on that policy?
  • Are you working with a Bank on Yourself® Professional?
  • Would you like to hear Episode 160?
  • What about predictable guaranteed growth, liquidity and tax advantages?
  • When do you need money most?
  • Where does the guarantee come from?
  • What about dividends?
  • How long have our companies been paying dividends?
  • What is the minimum amount of saving you will have on the day you plan to retire?
  • Who audits the life insurance companies?
  • How rare is it for insurance companies to go bankrupt?
  • Who backs the insurance companies?
  • Are banks a safe place to keep money?
  • How many banks failed in 2008?
  • What happened to the deposits of those banks?
  • Who bailed them out?
  • Pop quiz?
  • How many life insurance companies failed in 2008?
  • What happened to Lincoln Memorial Life Insurance?
  • What was the result for the policy holders?
  • What is Bank Owned Life Insurance?
  • What did an FDIC report show about bank’s life insurance holdings?
  • How much cash value is on the balance sheet of these banks?
  • What are banks doing with their money?
  • What about fees and cost surprises?
  • What happens in a traditional retirement account with fees of 1%?
  • How much is paid to life insurance agent as commission?
  • Which one costs more?
  • Which one goes on forever?
  • Which one has a stop loss?
  • Who gets guarantees?
  • Why would Bank on Yourself® Professionals take reduced pay?
  • How much of your cash value can you access?
  • What are the RMDs on whole life insurance?
  • Who is in complete control of the money in a life insurance policy?
  • What do you finance?
  • Who pays interest?
  • Who earns interest?
  • What about assets under management (AUM)?
  • What about all of the dollars you pay in expenses throughout your life?
  • What is the required repayment scheduled on life insurance cash value loan balances?
  • Can your money do two things at once?
  • What is compounding and growing?
  • Who offers these unique products?
  • What about self financing?
  • Are you constantly interrupting the growth of your money because you need to buy stuff?
  • Is there a better way?
  • What are some famous examples of successful business owners?
  • What happened following the 1929 stock market crash?
  • Does having money safe, liquid, growing at a competitive rate without market risk, take away any of your options?
  • Doesn’t it give you more options?
  • What are the multiple tax advantages?
  • Do you know what your tax bill will be?
  • What about the tax on social security?
  • Is income taken from your policy taxable?
  • What about medicare premium?
  • What about business owners financing business expenses?
  • What about the death benefit?
  • What do you want your money doing for you?
  • Does your strategy give you guaranteed growth?
  • Does your strategy lock in your principal in growth?
  • Does your strategy give you control over your money?
  • Does your strategy let you use your money without penalty?
  • Does your strategy give you a tax free retirement income?
  • What gives you more freedom?
  • What about Roth accounts?
  • What about life insurance policies?
  • Does your strategy let you access your money without liquidating your cash?
  • What are the restrictions on 401(k) loans?
  • What hardship happens if you lose your job?
  • What is truly unique in the financial universe?
  • Would you like to hear more in Episode 205 and Episode 206?
  • Does your strategy finish funding yourself if you die prematurely?
  • Does your strategy let you know the minimum guaranteed value of your savings?
  • Does your strategy give you a plan where you can count on it?
  • What works to your advantage in every single instance here?
  • What do you want your money doing for you?
  • How about some case studies?
  • What makes sense in your situation?
  • Why work with Mark Willis, CFP®?
  • What is key to making sure your policy is designed properly?
  • Do they have the right credential?
  • Would you like some personalized reports?
  • Would you like to schedule a meeting?

Episode 338: The Four Dangers of Conventional Retirement Plans and What to Use Instead

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In this episode, we ask:

  • How about getting back to basics?
  • Do you need a PhD to be successful?
  • Who can opt out of the insanity?
  • Has conventional retirement planning failed us?
  • Have 401(k)s failed?
  • What happened to pensions?
  • Is it up to us?
  • What is the cost of care?
  • What are the problems?
  • Do you believe there will be another major market crash?
  • Who has changed their behavior?
  • Who is guaranteed to get paid?
  • What is sequence of returns risk?
  • What about the 4% rule?
  • What did Wade Pfau say?
  • What about a 2.8% withdrawal rate look like?
  • What will you need?
  • How many years of savings do you have set aside?
  • What are your investments going to be worth?
  • How many of us will live past age 90? …age 95?
  • What might eat away at your savings?
  • How much are you actually paying in fees?
  • What about compounding?
  • Are fees transparent?
  • Are fees baked in?
  • Are you seeing all of the fees?
  • How might we lower fees?
  • What about index funds?
  • What about no load index funds?
  • Is your money locked up?
  • What about penalties?
  • What about employer restrictions?
  • Who can change the rules whenever they want?
  • What about bank robbers?
  • What about the tax time bomb?
  • What about deferral?
  • Is it ever a good idea to defer a root canal?
  • Would you like to hear Episode 30?
  • Who are you underwriting?
  • Where will the government get the money?
  • What will happen by 2045?
  • What about social security?
  • What about medicare?
  • What will be insolvent?
  • Is there any way to avoid these dangers?
  • What is safe and predictable?
  • What about guarantees?
  • What did Mark discover through his financial education as a Bank on Yourself Professional and Certified Financial Planner®?
  • How is Wall Street like a crazy rollercoaster?
  • What is high cash value, dividend paying whole life insurance?
  • How has this been around for centuries?
  • What about Bank on Yourself® type whole life insurance policies?
  • How is this different from other types of life insurance?
  • Would you like to read the Bank on Yourself Revolution by Pamela Yellen? 
  • Are you too sick?
  • Are you too old?
  • Who started a life insurance policy at age 85?
  • What did the father of the 401(k), Ted Benna say?
  • What is a monster?
  • Where does Ted Benna put his money now?
  • Why would he recommend that?
  • What problems does that solve?
    • What about predictable and guaranteed growth?
    • What about control of your money?
    • What about liquidity and access to the money?
    • What about multiple tax advantages?
  • Who need to hear this episode?

Episode 337: [The Periodic Table of Abundance] No.8 Unveiling Holistic Wealth Beyond Money

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In this episode, we ask:

  • What is a wonder and a privilege?
  • What are the elements that make up a truly abundant life?
  • Would you like to get the special report on the Periodic Table of Abundance? Would you like to Request a Meeting?
  • Have you listened to the previous episodes in this series?
    • Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
    • Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
    • Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
    • Would you like to hear Episode 333: No.4 Secrets of Leverage with Insurance and Banking?
    • Would you like to hear Episode 334: No.5 Achieve Your Ultimate Potential with Investing and Real Estate
    • Would you like to hear Episode 335: No.6 Building a Better World Through Business Ownership, Tax Strategy and Giving
    • Would you like to hear Episode 336: No.7 Financial Independence and the Magic of Collateralization
  • What makes up the pursuit of abundance in your life?
  • What is holistic wealth?
  • What about healthy relationships?
  • What about influence?
  • Would you like to hear Episode 326?
  • What did Rabbi Daniel Lapin say in Episode 186 and in his book, The Holistic You?
    • What about Faith?
    • What about Fitness?
    • What about Family?
    • What about Finances?
    • What about Friends?
  • What are the four currencies of our life?
    • How about money?
    • What about time?
    • How is your energy?
    • What or who has your attention?
  • Would you like to hear Episode 324?
  • What did Jim Rohn say?
  • What about review and preview?
  • What about living in the present?
  • What about the future?
  • What about reviewing over and over again?
  • What is a myth?
  • What about reconciling the budget?
  • What about cash flow planning?
  • What did Nelson Nash say?
  • Can you control the financial environment where your money lives?
  • What is the most profitable thing?
  • What about effective reflection?
  • What about Thinking Time from the book The Road Less Stupid by Keith Cunningham?
  • What are the unasked questions?
  • How might I… so that I can… ?
  • How did it get this way?
  • Why does it stay this way?
  • How can I improve the way it works or the way it looks?
  • What in your financial life needs to be broken, so you can find better solutions?
  • What are the right questions?
  • What is genius?
  • What happens when you get the right question?
  • What don’t I see?
  • What are the (unintended) second order consequences?
  • What happened in India when the British implemented the snake eradication program?
  • What will happen if this goes sideways?
  • What is the upside?
  • What is the downside?
  • Can I live with the downside?
  • What about creating a machine?
  • What about implementation?
  • What will you do?
  • What about a 1% improvement?
  • What about an adventure of a lifetime?

Episode 336: [Periodic Table of Abundance] No.7 Financial Independence and the Magic of Collateralization

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In this episode, we ask:

  • Would you like to get the special report on the Periodic Table of Abundance? Would you like to Request a Meeting?
  • Have you listened to the previous episodes in this series?
    • Would you like to hear Episode 330: No.1 Scaling Up and Overcoming Adversity?
    • Would you like to hear Episode 331: No.2 Money Team, Family Finance and Estate Planning?
    • Would you like to hear Episode 332: No.3 Liquidity and Cash Flow?
    • Would you like to hear Episode 333: No.4 Secrets of Leverage with Insurance and Banking?
    • Would you like to hear Episode 334: No.5 Achieve Your Ultimate Potential with Investing and Real Estate
    • Would you like to hear Episode 335: No.6 Building a Better World Through Business Ownership, Tax Strategy and Giving
  • What is financial independence?
  • Would you like to learn about financial independence?
  • Would you like to learn about the power of financial collateralization?
  • Do you have enough passive income to cover your expenses?
  • Do you have to depend on your active income?
  • Do you have streams of income to replace your day job?
  • What are your expenses?
  • What are the stages?
  • Do you have an emergency?
  • Why did we choose one year for an emergency?
  • What about placing your emergency fund in a Bank On Yourself® type whole life insurance policy?
  • What about passive income exceeding earned income?
  • Would you like to run the financial independence calculator with Mark or a colleague?
  • What would it take to cover a luxury item?
  • What about changing the world through philanthropy?
  • What about the journey?
  • What about Odysseus?
  • What about freedom?
  • What did Nietzsche say?
  • What about Frodo?
  • What about Iron Man?
  • What about Luke?
  • What are most financial advisors up to?
  • What do you want?
  • What are the five mile posts?
  • What is basecamp?
  • What about reducing your expenses or increasing your income?
  • Would you like to hear Episode 19?
  • Would you like to hear Episode 63?
  • What does Parkinson’s law of finance say?
  • What about being honest with money?
  • What about investing in yourself?
  • What about your education?
  • What about your health?
  • Are you a better version of yourself?
  • Do you have an idea of what you will be doing?
  • How do you expect to be in a different place a year from now?
    • What is the greatest challenge you’re facing right now?
    • What have you tried in the past?
    • What are you going to do next?
    • …By when?
  • What about liquidity?
  • What will you do in an emergency?
  • Do you budget?
  • Do you save in liquid form?
  • Who has a financially unstable pyramid?
  • Who is putting all of their money at risk?
  • Is your money liquid?
  • Is your money available to you?
  • Who does this benefit?
  • Could you cover an emergency expense of $400?
  • Do you need to sell your stuff?
  • Why not build a stable financial structure?
  • What did Tim Austin say about the 10/10/10 rule?
  • Who is saving 30% of income each month?
  • Now that I’m saving, where do I save it?
  • Is your money stashed in the right place?
  • What about CDs?
  • What is taxable?
  • What are you really earning after taxes?
  • What about interest rates on (multi-year guaranteed annuities) MYGAs?
  • What about Bank on Yourself® type whole life insurance policies?
  • What about the power of collateralization?
  • What about cash value?
  • Would you like to hear Episode 32?
  • What about investing in things you understand and control?
  • What do you need to quit?
  • Do you need a rental property?
  • Do you need to borrow against your life insurance policy?
  • What can you control?
  • What are you into?
  • Where can you put your money to work?
  • How might you create multiple streams of passive income?
  • How might you buy multiple streams of passive income?
  • What could you do to add one more stream?
  • Can you outspend any income?
  • What about mentoring?
  • Are you the guide?
  • What do you have to share with the world?
  • How are you writing your story?
  • How many pages do you have left?
  • Would you like to like to meet with Mark?