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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?
John Ensley is president of JEnsley Financial, a fiduciary, financial planning company and Registered Investment Advisor. John holds a Chartered Financial Consultant® designation from the American College of Financial Services and is one of an elite group of highly trained Bank On Yourself® Professionals. 
Mike Grimm is the president and founder of 
Both originally from South Dakota, Nick Poppe and his wife, Brooke, have been in Northwest Arkansas for the past 2 years with their 2 dogs. Brooke is an Occupational Therapist and Nick works fully remotely in the financial industry. After several years in banking and financial planning and knowing the ‘average’ financial strategies weren’t working, Nick discovered the Bank on Yourself® strategy and has implemented this Not Your Average financial strategy for the past 3 years and has experienced the peace of mind, ease, and guarantees that this strategy provides.
Lester N. Himel discovered the use of specific types of Life Insurance to enhance and expand the performance of investment portfolios several years ago; this after spending 28 years in a variety of positions on Wall Street. Like most financial professionals, he considered stocks, bonds and similar instruments as the core of a reasonable investment approach. In those last several years, Les has found the better way.