Not Your Average Financial Podcast™

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

Episode 272: Know Where to Thrive!

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In this episode, we ask:

  • Do you truly have to deal with market losses?
  • Is there anything we can do?
  • What are the choices?
  • What has changed?
  • What would money look like if it were easy?
  • Why is money in your life?
  • What’s more important than money?
  • What about the power of the contract?
  • How might contracts protect you?
  • What contracts have guarantees?
  • What about Bank on Yourself type whole life insurance contracts?
  • What about a liquid bucket of money?
  • What about borrowing against the cash value?
  • What about uninterrupted compounding?
  • What about some examples?
  • What happens to your life savings in the market?
  • Will the money last as long as you do?
  • What about inflation?
  • What about pensions?
  • What modernized annuities?
  • What is a retirement account with airbags?
  • What about monthly income instead of net worth?
  • What is the history of annuities?
  • What is the difference between variable annuities and fixed annuities?
  • When do you want your income to start?
  • What about immediate annuities versus deferred annuities?
  • What about growth?
  • What happens when you run out of money? Will you run out of income?
  • What about old fashioned annuities?
  • What about new riders?
  • What about increasing income?
  • What about death benefits?
  • What about combining Bank on Yourself type whole life insurance with fixed income annuities?
  • What about making a contract with your financial future?
  • What about age?
  • What about health issues?
  • What about modest means?
  • Do you know where to thrive?
  • Is applied knowledge power?
  • Is your advisor a Bank on Yourself professional?
  • Would you like to meet with Mark?

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

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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 262: Don’t Make This Hard! 13 Crucial Questions about Money with Doug Peacock

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In this episode, we ask:

  • Would you like to join us for the Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1?
    Login or Join the FREE membership community to Reserve Your Spot!
  • Did you do what you were supposed to do?
  • Who is Doug Peacock?
  • What is Doug’s story?
  • Why does Doug work with the guarantees inherent in whole life insurance?
  • What are the 13 Crucial Questions?
  • Is it truly your money?
  • Do you know what the future value of that money will be?
  • What happened in 2008?
  • Does your money get to set a new time high, every day?
  • Would you like to hear Episode 197?
  • Does your current financial storehouse generate additional income for you?
  • Are you an owner?
  • Did people receive dividend checks in the Great Depression?
  • If you have unlimited access to your cash for your lifestyle needs or your business needs as much as you want? 
  • Are brokerage accounts liquid throughout your lifetime?
  • What about home equity lines of credit (HELOCs)?
  • Can you leverage your money in your favor and still earn interest on it? 
  • Can you control the repayment terms of the loan with your current bank?
  • What about employee retention and new hires?
  • Do you think taxes going up, going down or staying the same?
  • Do you want to pay taxes on the seed or the harvest? Do you want to pay taxes on a little or a whole lot?
  • Is a dollar worth more today or tomorrow?
  • What is the status of 95% of 65-year-olds, financially speaking?
  • Do you want someone else to hire away your best employee because of your benefits?
  • Do you want to pay more taxes?
  • Do you want the courts to tell everyone where your money is going after you die?
  • Do you want your competitor to be able to take advantage of opportunites that you cannot, because you couldn’t come up with the money? 
  • Do you want some of money to be locked up when you try to leave your money as a legacy?
  • Do you have a guaranteed exit strategy from your business? 
  • Is this hard?
  • Would you like schedule with Doug at peacockwealthgroup.com?

Doug Peacock spent 38 years as a high school teacher and football coach. He tried to retire the traditional/conventional path, and things didn’t work out like he was led to believe. He learned that other teachers and coaches were having the same conversation. Doug literally watched his 403(b) become a 203(b) twice in the last decade of his teaching career. He knew there had to be a better way, so he started learning how wealth really works.

Episode 261: The 401(not OK)?

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In this episode, we ask:

  • Would you like to join us for the Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1?
    Login or Join the FREE membership community to Reserve Your Spot!
  • Has anyone’s 401(k) been a ravishing success?
  • What did Ted Benna do?
  • What is the hope and prayer?
  • What is the best case scenario for a 401(k)?
  • What about salary deferral?
  • Will you be alive in 20 to 30 years?
  • How much of it belongs to you? How much of it belongs to Uncle Sam?
  • What about tax changes?
  • Why a default retirement strategy?
  • Who benefits from that advice?
  • What about the employee match?
  • Is this magic?
  • Is this income redirection?
  • What buys groceries?
  • What is a vesting schedule?
  • How many companies provide immediate vesting?
  • How many people lose the employer match?
  • How many years on average do people stay?
  • How does your brain react?
  • How many people get paid in a 401(k)?
  • What is revenue sharing?
  • How many people get paid before you do?
  • What about mutual fund returns?
  • What about reporting?
  • What is the true cost of the fee?
  • What about “beating the market”?
  • How many fund managers underperform the market?
  • What about unicorn market returns?
  • What index are we looking at?
  • Will your plan come to fruition?
  • What are the realities of the returns?
  • What is the actual returns?
  • Does the rate of return in one’s 401(k) include one’s contributions?
  • What about tax?
  • What about dividend paying Bank on Yourself® type whole life insurance policies?
  • Would you like to hear Episode 206?
  • Would you rather pay your tax on the seed or the harvest?
  • Would you like to discuss your specific situation? Schedule a time
  • Who needs to hear this?
  • Would you like a FREE book? Email us at hello@nyafinancialpodcast.com

The topics 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 258: Don’t Do What Banks Tell You To Do… with Kristin Colca

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In this episode, we ask:

  • What about a life changing moment?
  • What do banks do with money?
  • Who is Kristin Colca?
  • What happened to Kristin?
  • What does Kristin do?
  • What happened when Kristin met Teresa Kuhn?
  • What happened when Kristin graduated with her finance degree?
  • Would you like to hear Episode 56?
  • What about a savings mentality?
  • What about a reliance on safety?
  • What about taking on debt?
  • What about fast-forwarding to today?
  • What happens in an emergency?
  • What about liquidity, safety and guarantees?
  • What about risk, being beholden to finance companies and no emergency reserves?
  • What were the CD rates in the early 1980s?
  • Why should people keep their money liquid?
  • What about the ebbs and flows in the economy?
  • What about the market?
  • What about interest rates?
  • Why is it important to have liquidity?
  • What about taking advantage of opportunities when they come up?
  • How do banks work?
  • What do people not seem to realize about the banks?
  • What about an example?
  • What about real estate?
  • What about hard money lending?
  • What about peer-to-peer lending?
  • What are the steps?
  • What about capitalizing a policy?
  • What about borrowing against the cash value in a policy?
  • What about lending to another person?
  • What about determining the terms?
  • What about paying back the policy loan?
  • What about inflation?
  • What are the protective elements of a Bank on Yourself® type whole life insurance policy in an inflationary environment?
  • What about bond yields?
  • What about the price or premiums staying level, even an inflationary environment?
  • What is the good news?
  • Where are the buckets of cash?
  • What about the financial gurus?
  • What’s important about saving?
  • What’s important about the sequence of returns?
  • What about taking on risk?
  • What about guaranteed liquid cash?
  • How might you attract opportunities to you?
  • What about choosing the right financial tools?
  • What are the hidden pitfalls?
  • How do people make good decisions?
  • What are the rules?
  • What are the values?
  • What is the amount of risk?
  • What is the amount of money I’m willing to lose?
  • What is the rate of return that would justify this risk?
  • What about chasing the fairy tale dream?
  • What about leaving a legacy?
  • Would you like to reach out to Kristin?
  • Would you like to visit learnmorewithkristin.com?
  • If interest rates continue to rise, what will happen to policies?
  • What about riskier investments?
  • What do banks do with their own money?
  • Would you like to join our FREE membership site?
  • Would you like to join us at the Not Your Average Financial Summit? Come back next week for more details.

Kristin Colca, after starting her career in the banking industry, noticed that conventional financial wisdom was not working for many of her clients. A low-interest rate environment combined with Wall Street volatility and a growing pile of debt made it almost impossible to plan or create a secure plan for retirement. Further complicating these issues are the financial “experts” and “advisors” that are too quick to recommend one-size-fits-all solutions without fully understanding their client’s goals or dreams. Kristin’s mission is to create custom-tailored financial strategies for her clients that empower them to achieve financial freedom. Connect with Kristin Colca at learnmorewithkristin.com.

 

Episode 256: 3 Ways to Save for Retirement – Even If You Lose Your Job!

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In this episode, we ask:

  • What about guarantees?
  • What is the catch?
  • What are the guaranteed components in life insurance contracts?
  • What are premiums guaranteed?
  • What about fixed premiums?
  • What about term insurance?
  • What about indexed universal life insurance (IUL)?
  • What sort of contract is this?
  • What is your end of the bargain?
  • Why has Mark grown to love paying premiums?
  • Would you like to listen to Episode 203?
  • What about a seventh piece?
  • What about a loss of income?
  • What does the Social Security Administration say about the chances of disability?
  • How do disabilities develop?
  • What about disability insurance?
  • How is this like term insurance?
  • What about peace of mind?
  • What is the average duration of disability claims?
  • How does this affect financial goals?
  • Do you have a sheet of paper?
  • What about a clear look at your net worth?
  • What is your greatest asset?
  • What is income capacity?
  • Do you insure your automobiles?
  • What about protecting your income making machine?
  • What about your life insurance policy?
  • How will you pay your premium?
  • What is a waiver of premium rider?
  • What is a rider?
  • What is a paid up additions (PUA) rider?
  • Would you like to hear Episode 142?
  • Would you like to hear Episode 143?
  • Would you like to hear Episode 144?
  • Who will pay the premium, if you’re disabled?
  • What is the catch?
  • What about an example?
  • Would you like to hear Episode 203?
  • What are some other options?
  • What about reducing the base to reduce the cost of waiver of premium?
  • Would you like to meet with Mark?
  • Would you like to join the discussion over at our FREE Not Your Average Financial Community?

Episode 254: Solving the Unsolvable Financial Problems with Steven Step

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In this episode, we ask:

  • How do you solve an unsolvable problem?
  • Can you solve a Rubik’s cube?
  • What about complexity?
  • Who is Steven Step?
  • What’s Steven’s story with Bank on Yourself®?
  • What happens every year on the policy statement?
  • What is always increasing?
  • What is the best way of creating a safe, tax-free retirement income?
  • Are there many safe, tax-free instruments available?
  • What about paying taxes?
  • What about social security?
  • What about the adjusted gross income?
  • How much is exposed to taxation?
  • What about financing bigger items?
  • How many policies does Steven own?
  • How many cars has Steven purchased?
  • What about medical emergencies?
  • What about an example?
  • What about feeling great?
  • What about ease?
  • What about a 401(k)?
  • What about Bank on Yourself®?
  • What about a traditional pension?
  • What about surprisingly high fees?
  • What about the market?
  • What about dollar cost averaging?
  • What are they not thinking about?
  • When will the market crash?
  • Does all the money saved in a 401(k) belong to the 401(k)’s account holder?
  • What about the IRA?
  • How long are you going to live?
  • What about the layers of complexity?
  • …How much in retirement assets?
  • What is possible?
  • Do you have to start taking required minimum distributions?
  • What about the tax payments?
  • What about the specific situation?
  • What about the The Baby Boomer Dilemma movie?
  • What’s Steven’s story with a client who held a 401(k)?
  • What happened in 2008?
  • What will the sequence of returns look like?
  • What is Steven’s hope?
  • Where will you be when you’re at age 82?
  • Would you like to connect with Steven? Call 800-245-4677 or reach out at connectwithstevenstep.com
  • Would you like to reach out to Steven and get access to view The Baby Boomer Dilemma?
  • Aren’t you thankful for Steven?
  • Would you like to review this podcast? Send us a screenshot of your review to hello@nyafinancialpodcast.com!

Steven Step is the President of A Step Ahead Financial, Inc. He is the co-author of The Secret to Lifetime Security. Steven has a Masters in Business Administration from USC. He has thirty years of experience helping hundreds of families build wealth, save taxes and retire comfortably.

Episode 251: How Does Inflation Affect Bank On Yourself®? Part 2

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In this episode, we ask:

  • What about capital goods?
  • What if we added a zero?
  • Do we automatically have more wealth?
  • How are Bank on Yourself® type whole life policies affected by inflation?
  • What are some specific strategies?
  • What about some common myths?
  • How much money is floating around?
  • What about bug protein?
  • What about real estate?
  • What about Bank on Yourself® type whole life insurance?
  • What about the power of compounding?
  • What about the power of leverage?
  • What about the power of optionality?
  • What about inflation?
  • What about stocks?
  • Is there more to the financial universe?
  • What about the bond market?
  • What about yield curves inverting?
  • What about recessions?
  • What about insurance companies?
  • What about an example?
  • What about safety?
  • What about predictability?
  • What is the business model of a life insurance company?
  • Is Bank on Yourself® type whole life invincible?
  • What about interest rates?
  • What about a cash flow management system?
  • What if you could become your own source of financing?
  • What about partying like it’s 1980?
  • What about companies who have paid a dividend for over 100 years?
  • What about a case study?
  • What about a death benefit?
  • What about breaking even?
  • What about a policy loan?
  • What about total policy growth?
  • What about favorable loan interest rates?
  • What about appreciation?
  • What about the numbers?
  • How about structuring a policy?
  • What about single premium?
  • What about monthly premium?
  • What about annual premium?
  • What about multiple policies?
  • What about kid policies?
  • What about liquidity?
  • Where is your cash?
  • Is it doing what you want it to do?
  • Is this the end of market volatility?
  • Is this the end of inflation?
  • Do you have a question? Schedule a Call with Mark

Episode 250: How Does Inflation Affect Bank On Yourself®?

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In this episode, we ask:

  • Are inflation indicators blinking red?
  • What is the PCE index?
  • How high is inflation?
  • What happened in September 1983?
  • How does inflation work?
  • How does inflation affect your financial goals?
  • Would you like to hear the information shared with Jay Helms at W2 Capitalist Part 1?
  • What about Not Your Average Inflation?
  • What is on the mind of real estate investors today?
  • How do you want to increase your own money supply?
  • What happened about 100 years ago?
  • What happened in Germany?
  • What is hyperinflation?
  • Do you feel 10 times wealthier than your parents did in 1990?
  • What goes up in price?
  • What does all of this mean?
  • What about a stealth tax?
  • Who pays it?
  • What about taxation without representation?
  • How can we protect ourselves?
  • Is inflation transitory?
  • How many years could it last?
  • What about stocks?
  • What is the amount you can get in any given year?
  • When was the roaring 20?
  • When was the boring 20?
  • Can you deal with a dozen years lost?
  • What about tremendously lower yields?
  • Where do average popular stock percentages come from?
  • What about volatility?
  • What about the DALBAR report?
  • What about the pouring 20?
  • What about level mortgage payments?
  • What about maintenance costs?
  • What has happened to mortgage rates recently?
  • What about other expenses?
  • What about the rent moratorium?
  • What about being average?
  • What about being not-so-average?
  • What about the stock market?
  • What about looking carefully at your money?
  • What about weapons of math destruction?
  • What about compound growth?
  • What about leverage?
  • What about optionality?
  • How can we flip the script, and use these to our advantage?
  • How might you protect yourself?
  • What about Bank on Yourself®?
  • What about dividend paying whole life insurance?
  • What about rings on a tree?
  • What has worked for hundreds of years?
  • What about leverage and liquidity?
  • What about an inflationary economy?
  • How do life insurance policy loans work?
  • What about growth of money?
  • What about the velocity of money?
  • What’s Dan’s Bank on Yourself® story?
  • Are you prepared for this fight?
  • What are you going to do with this very precious life you have?
  • Would you like to meet with Mark?

Episode 248: Running into the Financial Hurricane with Marc Beshears

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In this episode, we ask:

  • Have you ever had life throw you a curve ball?
  • Who is Marc Beshears?
  • How did Marc learn about Bank on Yourself®?
  • What happens when things are too easy?
  • What happened with the hurricanes?
  • What assets are creditor proof?
  • What is a private asset?
  • What happened when Marc learned about dividend paying whole life insurance?
  • Why is debt so stressful?
  • Whose barber bought five condos in 2007?
  • How has Bank on Yourself® changed Marc’s life?
  • Whose capital is in jail?
  • What about liquidity?
  • What about dividends?
  • What about a tax free environment?
  • What about having capital to deploy at a moment’s notice?
  • What about the trendy things?
  • What about the oil spill?
  • What does it feel like to go against the herd?
  • What about peace?
  • What about ease?
  • What about laughing bankers?
  • What was the most recent volatility?
  • Are you ready?
  • What about borrowing against the cash value in a whole life insurance policy?
  • What about patience and courage?
  • What about employers?
  • What about key employees?
  • What about finding and following your own agenda?
  • Would you like to hear more about the financial pyramid from Episode 4?
  • What about building your capital source first?
  • What about self-financing?
  • Who should hold your money?
  • Is crypto trendy?
  • What wisdom does Marc have?
  • What about the people who were born after 1989-1990?
  • Does everything go up forever?
  • What is most gratifying to Marc about being a Bank on Yourself® Professional?
  • What about Marc’s clients being at “an all time high“?
  • Who is losing money?
  • What about predictable growth?
  • How can you connect with Marc Beshears?

Marc Beshears is the President of Top Wealth Agenda. He has helped his clients grow their wealth to achieve financial security and reach their personal and financial goals and dreams without the risk, worry, or volatility of stocks, real estate, and other investments.

Marc has put his clients on track to building more than $50 million of additional wealth they would most likely not have had otherwise, through safe, proven financial strategies. That’s why Marc’s clients think of him as their “secret weapon,” helping them build and safeguard their wealth. Connect with Marc at bookwithmarc.com!