Business Owners

Episode 438: Having a Baby? Put Bank On Yourself® on the Registry!

January 23, 2026 by Not Your Average Financial Podcast

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In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What’s an unexpected baby shower gift?
What if your family could chip in?
What are smart tricks?
What about funding systematically?
What about locking in insurability on a baby?
How long have they paid a dividend?
What about compound growth?
What about compound growth from a child’s point of view?
What about your kids needs?
What are the costs?
What about income streams?
What is the arbitrage?
What about the guaranteed increase?
What about the dividends?
What about 529 plans?
What about credit card debt?
What is a stable anchor for your family’s finances?
… and more!

Episode 434: NEW BOOK! Part 2 – Bank On Yourself®: Liquidity, Compounding and Lifetime Income

December 26, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to hear Part 1?
Why does uninterrupted compounding beat every mutual fund?
Would you like to go to bankonyourselfbook.com to get the new book?
What do Brian Kay, Tim Austin and Pamela Yellen know that other financial gurus have failed to tell us?
How far does the influence of Bank On Yourself® reach?
What is persistency?
What can (and will likely) change in a government sponsored program?
What is the power of uninterrupted compounding joined with liquidity?
What asset can you leverage to take advantage of an opportunity?
What about meeting life’s financial milestones without taking unnecessary risks?
What about taking advantage of unexpected opportunities?
What did Warren Buffet say?
How long will you live?
What is a fail-safe way to protect against running out of money?
How might you secure guaranteed income in retirement?
How is Bank On Yourself® a concept and philosophy that transcends product?
How are these insurers built differently?
Why does Warren Buffett love insurance companies as an asset?
What is built to last?
How do I replace my income?
How might I do it passively?
Would you like to go to bankonyourselfbook.com to get the new book?
What are the action items?

Episode 433: NEW BOOK! Part 1 – Bank On Yourself® Origins and Why Now? with Pamela Yellen, Brian Kay and Tim Austin

December 19, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

How can you build wealth safely and predictably?
Who is Pamela Yellen?
Who is Brian Kay?
Who is Tim Austin?
Would you like to go to bankonyourselfbook.com to get the new book?
What’s Pamela’s story?
How did Pamela meet Brian and Tim?
What’s Brian’s story?
Should you turn over your financial independence to other parties?
Should you become your own source of financing?
Should you recapture the interest you have paid to other sources?
Should you be careful with borrowing and debt?
How did Brian meet Tim?
Can paying for college be an affordable reality without taking unnecessary risks?
What’s Tim’s story?
What was happening in the 1980s?
What are the strategies that worked in the 1940s, 1950s, 1960s and 1970s?
How is risk finicky?
Do you have to have debt to get where you want to go?
Do you have to be in the market to be successful?
What about uncertainty?
What about anticipation and preparation?
How might we crisis-proof our finances?
What is the average household debt?
How many people are behind on paying their debt?
What percent of retirees, age 66-71 have debt?
What about medical emergencies?
How many would be able to cover their expenses if they had a one-week delay on their paycheck?
Why is this book necessary?
What are the action items?
Will you join us next week for Part 2?

Episode 431: Guest Host Episode with Brandon & Amanda Neely | Find Your Flow: A 3-Minute Assessment That Could Change Your Financial Life

December 5, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Where is the problem?
Who are Amanda and Brandon Neely?
What is going on behind the curtain with business owners?
What is the “average system” designed for?
What do most financial advisors do?
What could fix the stress?
If the conventional system wasn’t designed for entrepreneurs, what alternatives exist?
How long has that system been around?
How can you align your values with the right system?
What does this look like?
What about stacking Bank on Yourself® and Profit First?
What is the S.T.I.L.L. Method framework?
How do you approach a problem?
What about the central nervous system?
What about the heart?
Why do I always do this?
Would you like to take the Find Your Flow Assessment?

Episode 430: Guest Host Episode with Frank Herbik | Why Whole Life Insurance Is the Ultimate with Marvin Bulas

November 28, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Who is Frank Herbik?
How did Marvin Bulas get started with Tim Austin?
What does the concept of Bank on Yourself® focus upon?
Do you rely on other outside financial sources?
What requires self-discipline?
How can you achieve your financial milestones without taking unnecessary risks?
What about discipline and freedom?
Have you read Extreme Ownership by Jocko Willink?
How about a lifetime of tax-advantaged income?
What is hard?
How does the Bank on Yourself® strategy differ from a typical market-driven approach like a mutual fund, an ETF, an IRA, etc.?
How about some examples?
Are we completely against the market?
What is the barbell strategy?
What about a better “desk drawer”?
How can you harness compound growth?
What about cash, that’s available to you, whenever you need it?
Could everyone benefit from this?
How does the insurance carrier manage and carry the risk?
What is the non-guaranteed component?
Are the companies in the insurance industry well regulated?
What are the living benefits?
What’s the difference between a typical life insurance agent and an active Bank on Yourself® Professional?
What’s the CFP® designation?
Does a typical CFP® (or CLU®) understand how to correctly structure and design a Bank on Yourself® type whole-life insurance policy?
What does Marvin enjoy?
What can smooth out a lot of things?
How about a case study?
What is the approval process to get a loan from an insurance carrier?
How much do you want, and when do you want it?
Who sets the terms of the loan?
What resonates with Frank?
Do carriers have apps?
Who would these concepts benefit?
How does age affect the growth of a whole life insurance policy?
What is a “sprinter” policy?
What is a “marathon” policy?
How many ways could an advisor design a policy?
Would you like to search on bankonyourself.com?
Would you like to talk with Frank at 630-330-1799 about your specific situation?

Episode 429: Guest Host Episode with Frank Herbik | How Financial Stress Impacts Mental Health and What You Can Do About It with Randi Paris

November 21, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

How does financial stress impact mental health?
Who is Frank Herbik?
Who is Randi Paris?
How does money affect married couples, partnered couples and individuals throughout life?
How is a relationship a joint effort?
What about a weekly check-in?
What happens if there is a divorce or death?
What about showing up together?
Why is education and communication important?
What have we learned, and how can we apply this?
Can they receive what I am saying?
Can you hear what they are saying?
Who is the spender, and who is the saver?
What about listening without judgement?
Are we confirming that we are on the same page?
What are some stories of financial stresses?
What happens with job loss and no savings?
How about recovering in a dual income family where there is a job loss?
What are our goals?
How do we get there? Who do we need to contact?
What drew Randi to the Bank on Yourself® concept?
How does one go about developing a legacy and generational wealth?
What about just starting?
How much money will go through our hands?
Do you have an open dialogue with your spouse?
Would you like to contact Randi’s Indianapolis-area team at pariscounselingllc.org?
Would you like to reach out to Frank at 630-330-1799 to discuss your specific situation?

Episode 425: How Connections Compound Like Financial Interest with Steve Ramona

October 24, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
Why is serving others a wealth accelerator?
Who is Steve Ramona?
What is Steve’s story?
How might we remember names?
What do people care about?
Would you like to read The Wealthy Barber by David Chilton?
What is the value of networking?
What business are you in?
How do we bring value?
How might I serve you?
What do people do when they give gifts?
What is abundance mentality vs. victim mentality or mindset?
What is the ASLA principal?
What about listening?
What are you passionate about?
How does one get over fear?
What about giving back?
What does “slow is smooth and smooth is fast” mean for your finances, relationships and business?
Would you like to watch Steve’s show, Together We Serve?
What are the takeaways?
Would you like to join the FREE Not Your Average Financial Community?

Steve Ramona discovered his calling at a young age and is now on a mission to share his secret sauce for success. He thrives on forging meaningful connections, sharing referrals, and watching people flourish. His contagious passion for the Law of Increase makes his podcast Doing Business with a Servant’s Heart so successful. This show is chock-full of inspiring stories about overcoming challenges and serving others.

Episode 421: Economic Overheating from the Fed

September 26, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What is the big storm brewing?
What about the U.S.’s addiction to short term debt?
What about money printing?
What about rising bond yields?
What about a ballooning national debt?
What’s coming next?
How can you put yourself in the driver’s seat?
What happened in 2008?
What is quantitative easing (QE)?
How much did they print?!
What about QE infinity and beyond?
What about the generational impact?
Who won?
Who lost?
Is the system rigged?
How much is the U.S. National Debt?
When will social security run out?
What about Medicare costs?
What about interest on the national debt?
What about the six-month treasury bills?
Is the government running out of lenders?
Who is the last one standing?
What happens when they print money?
What about foreign buyers?
What about retail inflation?
What about real estate?
Do you have time to spot the signals and act in advance?
How do whole life insurance policy loans act as a hedge against inflation?
Could the dollar strengthen?
What would happen to whole life insurance policy holders?
Who is qualified to structure your plan appropriately and correctly?
What are the takeaways?
Who needs to hear this episode?

Episode 419: The Secret Tool to Unlimited Compound Growth in Your Life

September 12, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to read our new book, The Business Fortress?
Have you ever watched a rocket takeoff?
What are the tools that I use?
Have you read Atomic Habits by James Clear?
What did the study in the journal of Applied Psychology say?
How do small changes lead to a big impact?
Have you read Mindset by Carol Dweck?
What could you do instead?
What is an After Action Review (AAR)?
What could you do for 5 minutes every day?
What is the K.I.S.S. principle?
What will you keep?
What will you improve?
What will you start?
What will you stop?
What about DayOne or Notion?
Would you like to share your AAR on the Not Your Average Financial Community?
Would you like to get a full focus planner (Michael Hyatt’s Full Focus Store | Amazon)?
What about using the Pomodoro method technique?
What about apps like the Headspace Meditation app?
What is the ICE Matrix?
What about impact? How much will the idea contribute to your goals?
What about confidence? How sure are you that this will succeed?
What about ease? How simple or complicated is this to implement?
Does this goal align with your values?
What are the action items and takeaways?

Episode 418: Why Bank On Yourself® is Essential at Every Age

September 5, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read the Business Fortress book?
Is napping the unsung hero of the universe?
What about the seasons of life?
How do financial tools and strategies work over the seasons of life?
Is there a tool that meets every application with every stage of life?
Wouldn’t that change everything?
Is whole life insurance a one-size fits all tool?
What about children?
What about guaranteed insurability?
What about building cash value?
What about intergenerational wealth?
What about singles?
What about lower premiums (when you’re young and healthy)?
What about borrowing against cash value for life needs?
What about debt protection?
What about a small term policy?
What about newlyweds without kids?
What about building a life together?
What about the debt SnowBank™ method?
What about mortgage pay down acceleration?
What about paying off your entire house with your policy?
What about lifestyle preservation?
What will happen to the surviving spouse?
How about parents who are married with children?
What about income needs?
What about education funding and college costs?
What about lifestyle protection?
What about an emergency fund?
How about empty nesters?
Should I drop my life insurance?
What is a myth?
What about pension maximization?
What about a joint life pension?
What about single life pension?
How do we fix that problem?
What can be tax free?
Is it just about the kids?
What is a safety net and a wealth building tool?
What about legacy planning or equalizing an inheritance?
What about children in the family business?
What about leaving the estate to the children?
What about replacing your group insurance?
Does your life insurance go away when you leave your employer?
What about retirement income supplementation?
What about seniors?
What about final expenses?
What about social security replacement?
Will you leave gifts?
Will you leave a legacy?
What is the ADBR (accelerated death benefit rider)?
Can you age in your home?
What about federal and state taxes?
What about estate tax?
How fast will the estate tax be due?
What about business owners and life insurance?
What is the secret weapon?
What are the takeaways?
Would you like to see the chart PDF at our FREE Not Your Average Financial Community?

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