Income

Episode 280: Oh MYGA! Interest Rates Are Rising!

January 13, 2023 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you shared this episode?
Would you like a free book? Show us how you shared this episode, and we will send you a book!
What happens when your environment changes?
What about the boring Certificate of Deposit (CD)?
Are CDs liquid?
What is the history of the CD?
What about the current interest rates?
What about tax?
What is a mutli-year guaranteed annuity (MYGA)?
What about the guarantees?
What is there to love about MYGAs?
What is a 1035 exchange?
What about thinking long term?
What about some examples?
What about transferring from a MYGA to a single premium indexed annuity(SPIA)?
What are the alternatives?
What about the 4% rule?
What about commissions?
What about guarantees?
What about low fees or no fees?
What are the age ranges?
What are the risks of a MYGA?
What about FDIC insurance?
Would you like to hear Episode 55?
Who is going to pay?
What happened in Cyprus?
What about knowing the environment?

Episode 278: Overcoming Imposter Syndrome with Brian O’Neill

December 30, 2022 by Not Your Average Financial Podcast

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In this episode, we ask:

Do you need new skills?
What about the tools?
What skills might it take to be a good and successful employee?
What does it take to become a business owner or entrepreneur?
Who is Brian O’Neill?
What does it feel like to quit your day job?
What was the message Brian internalized?
What happened when Brian had a son?
What did Brian’s son say?
What did Brian say to his wife?
When did Brian end his W-2 job?
What about anxiety?
What is the imposter syndrome?
What about the fear of success?
Have you read the book, Mindset by Carol Dweck?
Who has made errors?
What hurdles did Brian overcome?
Where is the true risk?
What are some of the practical things Brian has engaged?
How was a Bank on Yourself® type whole life insurance policy life changing for Brian?
What about health insurance?
What about tax?
Is your boss in a parental role?
How might you rely on yourself?
What happened when Brian told his son about his Bank on Yourself® type whole life insurance policy?
What is the strong reason?
What will it look like if…?
What is Brian up to?
Would you like to learn more at w2prisonbreak.com?
Where is the most risky place to be, in terms of your income?
Would you like to join our FREE Not Your Average Community?

Brian O’Neill is an experienced real estate investor, author, speaker, coach and podcast host. In his real estate business, he specializes in creative finance strategies for purchasing properties, offering flexible solutions for both buyers and sellers.

Brian spent 25 years in corporate sales, stuck in a job he didn’t like and being away from his wife and young son. After decades of trying, Brian was finally able to break free and start his own real estate business and now he helps other aspiring entrepreneurs in similar situations
break out of their W2 Prisons through his coaching program and his podcast – The W2 Prison Break Show.

Brian has experienced many challenges and roadblocks in his life and has had lots of help from family, coaches, and mentors along the way. Providing the highest value to his clients to help them realize their dreams is something that drives him on a daily basis.

Episode 271: Are you with Bobby Bonilla?

November 11, 2022 by Not Your Average Financial Podcast

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In this episode, we ask:

Are you ready for the season of your life where income stops but expenses continue?
What did the Ubiquity Retirement Savings Group and the National Today Data Science team survey?
What did they learn?
Who has 5K saved?
Who will be able to maintain their standard of living in retirement?
Who will outlive their money?
How much do we pay in medical costs and healthcare?
What are some fun, practical and simple ways to maximize your retirement income?
Who is Bobby Bonilla?
How did Bobby Bonilla structure his compensation?
What is a deferred income annuity?
Who else in the MLB is taking streams of income in retirement?
What is social security?
What about financial entertainers?
What about a case study?
Would you like to learn about the Income Maximization Strategy by hearing Episode 83?
What about mutual funds?
What about ETFs?
What about crypto?
What about real estate?
What about true retirement security?
What about Bank on Yourself type whole life insurance policies and annuities?
What about permanent guaranteed income?
What did the Wall Street Journal say?
What did AARP say?
Why is this not a default option?
How are annuities an insurance contract?
What about your retirement?

Episode 269: Now is the Time to Buy Your Future Income with Nick Ku

October 28, 2022 by Not Your Average Financial Podcast

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In this episode, we ask:

Are you busy enough?
What does F.I.R.E. stand for?
What about multiple streams of income?
What about intergenerational wealth?
Who is Nick Ku?
What is Nick’s career journey?
How did Nick discover Mark?
What is Nick’s side gig?
What about making it and the American dream?
What about diversification?
What about business ownership?
What about risk?
What about Bank on Yourself® type whole life insurance policies?
What about liquidity?
What about helping out family?
What about a trifecta?
What about business life insurance?
What about key man (key employee) life insurance?
What about the family system?
What about spreadsheets?
What about annuities?
What about peace?
What about thinking ahead?
What about being at the mercy of market timing?
What happens with market volatility?
What about retirement timing?
What amount do you need to live comfortably in retirement?
What about averages?
What about income generators?
What is the most efficient income generator that Mark can find?
What about age?
What about having fun?
What advice would Nick give someone just starting out?
What resources do you have access to?
Who has an excuse?
What about increasing your financial literacy?
Are annuities only for older people?
When do you want to start buying your future income?
What about income streams?
What about death benefits?
How does Nick intend to use his policy in the months and years to come?
What about the fear in the market?
What about tremendous opportunities?
How might one make their dollar work hard for them?
What about paying back policy loans?
What about compounding?
What is extraordinary?
Do you understand your why?
How do you find your why? How do you understand it?
Would you like to hear Episode 65?
How did Nick think long range?
Aren’t annuities just for older people?
What about being younger?
What about protecting your money from future market abuse?
What about additional benefits?
How are you thinking long range?

Nick Ku is a Brazilian Jiu-Jitsu and F.I.R.E enthusiast. He is a life long learner, navigating life with his wonderful and beautiful family. Nick has a passion for helping others.

Episode 237: The Periodic Table of Abundance

March 18, 2022 by Not Your Average Financial Podcast

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In this episode, we ask:

Did you know we work with clients in all 50 states?
What are your financial goals and objectives?
What about long, deep conversations?
What about satisfaction?
What about documents?
What about questions?
What about general overwhelm?
What about talking and thinking about it?
What about courage?
What are the twelve general categories in the the Periodic Table of Abundance?
Do you remember the Periodic Table of Elements?
Would you like to join the Not Your Average Community membership site?
What about building a true financial teams?
What about six month reviews?
What about a deep dive on one of the elements?
What about Scaling Up?
What is EADS?
What might you eliminate?
What might you automate?
What might you delegate?
What might you scale?
What about building your money team?
How do you talk with your spouse or family about money?
What happens when tough times or windfalls come?
Do you have budget meetings?
What about syncing up with your financial professionals?
Who should be on your team?
Who should not be on your team?
What about challenges and opportunities in liquidity?
What about storing water?
What about the flow of water?
What about market volatility?
What about fees?
Does where you put your money matter?
What about discovering your savings rate?
What else or who else can help you with this?
Would you like to join us in the Not Your Average Financial Community?

Episode 201: The Five Stages of Business Growth with Brett Gilliland

July 9, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What about the hero’s journey?
What about the predictable stages of business growth?
Who is Brett Gilliland?
What about predictable growing pains for the seven figures business?
What about the start up phase until the first million?
What do people need to do?
What new stuff is there to learn?
What about the three million to ten million journey?
What about InfusionSoft?
What about Keap?
What about revenue projection?
What about training?
What about business scaling?
How might one grow a business successfully?
What are the stages of business growth?
What about people?
What about processes?
What about systems?
What about pressing the gas more and more?
How does one shift?
What about the tripling?
What is a solopreneur?
What about the team?
How does a team figure out sales?
How does a team generate leads?
What are the hurdles at seven figures?
What about people and systems?
What about leadership and culture?
What about growth?
What about founders and entrepreneurs?
What is relevant about the timeline? How long does it take?
How does one extract themselves?
What about separating from a business identity?
What about relinquishing control?
What about letting go?
What about trust?
Will it all fall apart?
Will it work?
What about giving ownership to other people?
What about responsibility and authority?
What about modeling?
What about assisting?
What about watching?
What about leaving?
What about delegating?
What about parenting?
What about the leadership journey?
What about leading as a capable builder?
How does one lead?
What about organizing the work?
What about the Big 3?
What’s expected?
How will it be measured?
How does it align to company goals?
What about giving clear ownership to someone?
What about talking about the vision?
What about contentment at a smaller scale?
What about freedom in business?
What about hitting ceilings?
What about a pathway for growing?
What about lighting the way?
What is Brett’s story around freedom?
What about service?
How does freedom ripple through an organization?
What about upper limits?
What is organizational behavior?
What about getting a different result?
Are you perfectly happy with your current results?
Is your organization perfectly designed to get the results it gets?
What about transitions?
What about mindset?
What about skillset?
What about toolset?
What about the root meaning of the word of economy?
How might you change the inputs?
What do we know?
What do we need to learn?
Who do we need to meet?
What about ownership spirit (or thought work)?
What about the gift of ownership?
Would you like to visit growwithelite.com to find the ebook?
What are people saying?
Would you like to leave us a review on Apple Podcasts?
Would you like to meet with Mark?

Brett Gilliland is Co-Founder and CEO of Elite Entrepreneurs, a business dedicated entirely to helping business owners overcome the predictable 7-figure growth challenges that trip up most entrepreneurs. Elite Entrepreneurs specializes in helping 7-figure businesses grow from $1M-$3M and from $3M-$10M with a proven method that has helped hundreds of entrepreneurs over the past 10 years. Connect with Brett Gilliland on LinkedIn.

Episode 200: The Question is the Answer

July 2, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What about Socrates?
What did he say?
What about drawing out?
What about the socratic method?
What’s the process?
What about financial professionals?
What about asking interesting questions?
What about asking good questions?
What about Dale Carnegie?
What are the six types of questions that Socrates posed?
What about clarifying concepts?
What about probing assumptions?
What about probing rationale or reason or evidence?
What about questioning the viewpoint or the perspective?
What about probing implications or consequences?
What about questioning the question?
What about a deep dive conversation?
What happens with new clients?
What are some of the best conversations you’ve had?
How has the world changed?
Are you prepared?
How will you face new challenges?
Will government be able to care for the elderly?
How much does a year of nursing home care cost?
How are people living longer?
What about social security?
How long were benefits supposed to last?
What about Medicare?
How will these systems continue functioning?
What about the reality of living to age 100?
What about the reality of living to age 120?
Are people living longer than ever before?
What is the current transformation?
What about the industrial economy?
What about the information economy?
What about labor?
What about The End of Work by Jeremy Rifkin?
What did Harvard predict?
What about doing something else in two years?
Who needs job skills?
Who needs a new way of thinking?
What about time?
What about money?
What about interest rates?
Will interest rates remain this low?
What about government debt?
What about the rule of 72?
How many years will it take you to double your money?
What about inflation?
How many years will it take to double your income?
What about the rule of 115?
How many years will it take to triple your money?
How many years will it take to triple your income?
What about guaranteed income?
What about mortality credits?
What about leveraging?
Would you like to meet with Mark?
What about the world of low interest rates?
What about money printing?
What about the M2 supply?
What about the World Debt Clock?
What about the future inflation of that money?
What is the forecast?
Who pays more when inflation rises?
What will happen in fourteen years?
What about living with a lower standard of living?
Will you even be able to retire?
How might we offset inflation?
What about the market giving zero returns?
What about Wall Street?
What about a 401(k)?
What do you want to do about all of this?
What do you want to have happen to you, when you die?
What do you want to have happen to you, when you become disabled?
What do you want to have happen to you, if you have a critical illness?
What do you want to have happen to you, when you need long term care?
What do you want to have happen to you in retirement?
What about access to cash?
What about volatility?
What are the some of the financial miracles available?
What about compound interest?
What about tax deferral or tax free compound interest?
What about leverage?
What do you want to tackle?
Do you have access to capital?
How might you take advantage of these opportunities?
What about good news?
What are your favorite questions?
What are your takeaways?
What actions will you take?

Thanks for all of your support! We’re at 200 episodes!

Episode 199: Buy. Borrow. Die. …Pay Zero in Tax?

June 25, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

How do the .001% navigate their taxes legally?
What about the ProPublica report?
How do they legally pay a tiny fraction of their fortunes in taxes?
What was your reaction to this news?
As your income rises, do you pay more in taxes?
Under current law, what is the highest tax bracket?
What do the ultra high net worth pay?
How is wealth different from income?
What will you pay in tax?
What about loans?
What about paying back loans?
What about collateral?
Do you have a pen and paper?
What about buying assets?
What about a home?
Does your house have an ATM attached?
When do you pay tax on an asset?
What about borrowing money?
Do you pay a tax when you borrow?
What are the tax advantages of debt?
What about interest?
What happens to wealth at death (when you die)?
What about tax on death benefits for life insurance?
What is the big divide?
What about the asset side?
What’s the caveat?
What happened in 2013?
What about buying with after tax dollars?
What about the step-up in basis?
What about the $1 salary?
What about Bank on Yourself®?
What is premium?
What is cash value?
What is death benefit?
What about buying premium?
What about borrowing cash value?
What about when you die, giving your death benefit to your beneficiary?
What about tax with life insurance?
What about strategies like bonus depreciation?
What about rental income?
What about not issuing dividends?
What about dividends in life insurance?
What is a refund of premium?
What about the option for purchasing PUAs with dividends?
Are you able to receive the dividend as a check?
When will tax be due?
What grows forever?
When do markets crash?
What about the generosity of a banker?
What if stocks go down?
What about living on stocks?
What about a margin call?
Could you come up with the money you need?
What about the cost of borrowing against the assets?
What about liquidating?
What about fixed income assets?
What about improvement of projections?
What happens if interest rates rise?
What about building up significant cash value?
What about income tax?
What about estate tax?
Who needs a trust?
Who needs an attorney?
What is the estate tax threshold under current law?
What reduces the death benefit?
What happens with unpaid policy loans?
Are death benefits taxable?
Are gains taxable?
What about an example?
What questions do you have?
What about beneficiaries?
What about teaching your children?
What about Mark’s mom?
Would you like to meet with Mark Willis, CFP® to discuss your specifics?

The topics presented in this podcast are for general information only and not for the purposes of providing legal, accounting or investing advice.

On such tax matters, please consult a CPA professional who knows your specific situation.

Episode 186: Thou Shall Prosper with Rabbi Daniel Lapin

March 26, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Who has their hand on the steering wheel of life?
Who is Rabbi Daniel Lapin?
What was his most important journey?
Who tends to be disproportionally good with money?
What did William Wordsworth say?
What about entropy?
Is chaos the order of things?
What about building?
Are you taking care of things?
Are you maintaining your living space and your vehicles?
What happens when you don’t do the work?
What about ancient Jewish wisdom?
What about Adam and Eve?
What happens when one reads the Hebrew?
What about taking care of business?
What abut being obsessively preoccupied with taking care of others?
What about service?
What about taking care of customers?
Is the world against you?
What about enormous cooperation and effort?
What about happiness?
With whom do you spend time?
Who is miserable?
Does company love misery?
Who is a happy warrior?
What about family?
What about friendships?
What about faith?
What about fitness?
Have you read Thou Shall Prosper by Rabbi Daniel Lapin?
Why are Jews successful?
What about powerful strategies and principles?
What about destiny?
What about getting whacked?
What about suffering from deep existential loneliness?
What happened when Rabbi Lapin met a pair of tech reps?
What about working with things?
What about working with people?
What is money and why does it matter?
How is money a certificate of good performance?
How might you take care of the things in your life?
What does the Rabbi think about Bank on Yourself®?
Would you like to visit rabbidaniellapin.com?

Daniel Lapin was born into a prestigious Torah family. He was a student of his father, Rabbi A.H. Lapin, who served the Jewish communities in Johannesburg and Cape Town, South Africa, eventually immigrating to America with his wife where they established the Am Echad synagogue in San Jose, CA.

In 2002, Rabbi Lapin wrote his bestselling book Thou Shall Prosper: The Ten Commandments for Making Money (John Wiley ). This book continues selling well in America (as does its sequel Business Secrets from the Bible) and has also been translated into Chinese and Korean, among other languages. In 2007, Rabbi Lapin, along with his wife, Susan, founded Lifecodex Publishing. They began producing audio CDs and writing books to make ancient Jewish wisdom accessible to people of all faiths. Lifecodex Publishing now has DVDs as well as publishing works by other authors that promote traditional learning and values.

Rabbi Lapin is a frequent speaker for hundreds of groups, institutions, organizations, and companies including Family Research Council, Harvard Law School, the United States Army, the 1996 Republican National Convention, Voices United for Israel, and Young President’s Organization. Rabbi Lapin was the keynote speaker at the Congressional Bi-Partisan opening of the 106th Congress in Washington, DC.

Rabbi Lapin hosts a weekly audio podcast which presents thousands of years of Jewish wisdom emanating from the Bible, in ways that impact and improve modern-day life.

Episode 184: Rewirement and Risks to Retiring in 2021 with Jamie Hopkins

March 12, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you ever seen the show, American Ninja Warrior?
What about a finite amount of cash?
Who is Jamie Hopkins?
What are some of Jamie’s earliest experiences with money?
What about the risks of retirement?
What about Jamie’s new book, Rewirement?
What about longevity?
What about the unknown time horizon?
What about deflation?
What about public policy risk?
What about unexpected financial responsibility?
What about a parent’s long term care needs?
What if your career is shorter than your retirement?
What does Jamie see in his crystal ball?
What is the giant societal experiment?
What about the 401(k)s?
What about the standard of living adjustments?
What about cutting back?
What about reliance on certain systems?
What about the social security fund report?
How does this influence policy?
What about social security?
What percentage of retiree’s income typically comes from social security?
Will the funds be depleted?
What about Biden’s proposals?
What is our single biggest funding program?
When was the last time social security was updated?
What about the assumptions?
What has happened to interest rates in the last 40 years?
How does this change behavior?
What changes in the macroeconomic assumptions?
What about a tax proposal?
What about inflation?
How does living on a fixed income work?
What about the infrastructure and legal system in the U.S.?
What about protections?
What about strategies?
What about contract law?
Does Jamie sell products?
What about fixed indexed annuities?
What about creating lifetime income?
What about fixed income?
What about bond laddering?
What about life insurance?
What about forced or automatic savings?
What about a death benefit?
What about tax diversification?
Could laws change?
Where will public policy go?
How might one public policy change affect your strategy?
Are tax rates going up?
Have you read the Power of Zero?
Do you act in accordance with your beliefs?
What about diversifying risk?
What do most people believe today?
What happened between 2010 and 2020?
Where can you follow Jamie?
What do you want to accomplish?
What are the takeaways?

Jamie Hopkins, Esq., LLM, MBA, CFP®, RICP® is the managing director of Carson Coaching and the Director of Retirement Research for Carson Group. He is a finance professor of practice at Creighton University’s Heider College of Business and is the author of the book Rewirement: Rewiring The Way You Think About Retirement Planning. Jamie helped co-create the Retirement Income Certified Professional (RICP®) designation at The American College of Financial Services. He was named as a top 40 young attorney by the American Bar Association and a top 40 financial service professional under the age of 40 by InvestmentNews. In 2020, his work on retirement planning and the SECURE Act won an award from WealthManagement.com for being the best Thought Leadership Advisor Education in the industry. You can contact him at www.jamiehopkins.com or follow him on twitter @retirementRisks.

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