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Remnant Finance

Remnant Finance aims to revolutionize how you think about money. Join co-hosts Brian Moody and Hans Toohey, veteran military pilots and Authorized Infinite Banking Concept Practitioners of the NNI, as they dive deep into strategies that can transform your approach to personal finance. What’s Infinite Banking? It’s a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations. Join us as we challenge the conventional and build financial independence together. Subscribe to navigate your financial future with confidence!

13 - 8th Grade Economics: Tax Sherpa on Unrealized Capital Gains Tax and Kamala’s ‘Economic Plan’

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13 - 8th Grade Economics: Tax Sherpa on Unrealized Capital Gains Tax and Kamala’s ‘Economic Plan’
Claim your free guide on smart tax planning and Infinite Banking Concepts (IBC)! Start keeping more of your earnings to maximize your financial growth! https://taxsherpa.com/remnant Neal McSpadden from Tax Sherpa joins us to discuss taxes, wealth preservation, and economic policy. What does it mean when politicians like Kamala Harris throw around terms like "unrealized capital gains tax" or "price controls," and how does it impact your financial future? We unpack how proper tax planning can save business owners tens of thousands of dollars annually and shed light on proposed policies that could dramatically alter the financial landscape for investors and entrepreneurs alike.
This episode pulls back the curtain on the hidden "inflation tax" that's silently eroding your wealth, and introduces alternative strategies like the Infinite Banking Concept that you may have never considered. We challenge what you think you know about building and preserving wealth in today's economy. ➡️ The Tax Planning Imperative: Proper tax strategies for business owners and independent contractors can lead to dramatic savings. Many are unaware of legal methods to significantly reduce their tax burden. This oversight can cost tens or even hundreds of thousands of dollars over time. Implementing smart tax planning is not just about savings - it's about preserving wealth and fueling future growth. ➡️ The Unrealized Capital Gains Tax Threat: The proposed tax on unrealized capital gains is a potentially devastating policy. It could force asset sales, create severe liquidity issues, and unfairly tax "paper gains" that may never materialize. This approach fails to account for market volatility and could significantly hinder long-term wealth accumulation, especially for business owners and investors. ➡️ The Hidden Inflation Tax: Government monetary policy and unchecked spending are driving a stealth tax through inflation. The continuous creation of fiat currency erodes purchasing power over time. This "inflation tax" hits all income levels but is especially punishing to savers and those on fixed incomes. Understanding and hedging against this hidden wealth erosion is crucial for long-term financial planning. ➡️ The Power of Alternative Wealth Strategies: Relying solely on traditional investment vehicles and the conventional financial system exposes you to significant risks. Strategies like the Infinite Banking Concept (IBC) using properly structured whole life insurance provide guaranteed growth, tax advantages, and put you in control of your capital. Unlike market-based investments, IBC allows for uninterrupted compound growth, shields your wealth from market volatility, and offers unique financial flexibility. Connect with Neal from Tax Sherpa https://taxsherpa.com https://www.linkedin.com/in/neal-mcspadden/ https://www.youtube.com/@NealMcSpadden Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE
Fri, 13 Sep 2024 - 1h 15min
12 - The Average Rate of Return Fallacy
You’ve probably heard someone say, "The market averages 12% returns over the long term." In this episode, Brian and Hans tackle why this is an extremely misleading metric that can lead to unrealistic expectations about wealth growth.

Using real-world examples, they demonstrate how the average rate of return fails to accurately predict investment outcomes. Not only can this metric not be used for future return projections, but it does not even accurately reflect the actual returns over the time span from which the numbers were derived! Also absent in most financial projects are the eroding factors that can significantly reduce actual returns, such as taxes, fees, and portfolio churn.

This episode will challenge what you think you know about market returns and offer a fresh perspective on building long-term wealth.

The Average Rate of Return Fallacy:The average rate of return is a misleading metric for financial planning. It fails to accurately reflect real investment outcomes because it doesn't account for the sequence of returns, particularly washing out the impact of negative years. This can lead to significant overestimation of future wealth.
The True Impact of Losses: Even a few negative years can dramatically impact long-term wealth accumulation. A 50% loss requires a 100% gain just to break even. This underscores the importance of protecting your capital and seeking financial vehicles that offer uninterrupted compound growth, rather than chasing high but volatile returns.
Hidden Erosion Factors: Beyond market performance, factors like management fees, taxes, and unexpected life events can significantly reduce actual returns. These are often overlooked in traditional financial projections but can have a substantial impact on long-term wealth accumulation.
Prioritize Certainty and Control:Instead of relying solely on speculative market returns, seek out financial strategies that offer more guarantees and put you in control. Consider incorporating tools like properly structured whole life insurance that provide consistent growth, tax advantages, and financial flexibility. Remember, you only get one shot at this - make it count by focusing on certainty rather than chance.

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Fri, 06 Sep 2024 - 26min
11 - Stocks Must Go Up Because They Do!
In this episode, Infinite Banking Concept Authorized Practitioners Brian Moody and Hans Toohey discuss conventional investment wisdom that they no longer buy into. They critique the unspecific yet incessant advice to "buy the dip," “the market is on sale,” on every downturn, arguing that it lacks any semblance of technical analysis and ignores crucial factors like taxes, fees, and inflation.

Federal Reserve policies have inflated asset prices, creating a disconnect between market performance and actual economic productivity. They illustrate the risks of market-dependent retirement plans using historical data, demonstrating how early market downturns can devastate retirement savings.

When financial planning, prioritize wealth protection and optimal savings before focusing on growth. Hans and Brian argue that this method creates a more robust financial strategy that is less vulnerable to unexpected life events or economic changes.

Question blanket investment advice:Be wary of general recommendations like "always buy the dip." Such advice often overlooks crucial factors including taxes, fees, inflation, and your personal financial situation. Instead, seek out more nuanced, personalized financial strategies that consider your specific circumstances and goals.Plan for market volatility in retirement:Understand that market downturns, especially early in retirement, can significantly impact your savings. Develop a strategy to mitigate the sequence of returns risk. This might involve maintaining a cash buffer, adjusting withdrawal rates, or using alternative income sources during market downturns.Diversify with non-correlated assets:Non-correlated assets, such as whole life insurance, should be incorporated into your financial portfolio. Whole life insurance, when used for the infinite banking concept, can be used to control the banking function in your life. It can also provide a buffer against market volatility and offer more financial flexibility, particularly during retirement. They can serve as a stable source of funds when you don't want to sell investments in a down market.Prioritize protection, then savings, then growth: First, ensure you have adequate protection against life's risks (through insurance and emergency funds). Then focus on building savings. Only after these foundations are in place should you concentrate on growth-oriented investments. This approach can create a more robust financial strategy that's better equipped to weather unexpected events or economic changes. There is no point in accumulating a large nest egg when it can be destroyed in an instant by the many eroding factors that relentlessly pursue capital generation.

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Fri, 30 Aug 2024 - 46min
10 - Give Up the Ship: Conviction or Compliance?
Hans Toohey, former Navy helicopter pilot, traded his flight suit for a mission to revolutionize personal finance. In this episode, Hans shares how his experience at a liberal Ivy League University, Harvard Kennedy School, and his stance against the COVID-19 vaccine mandate became unexpected catalysts for questioning mainstream narratives. Hans’ refusal of the vaccine mandate resulted in unfair punishment from the Navy. He was immediately grounded from flying and relegated to idle assignments for about two years. This led him to stand firm in his convictions and dive deep into unconventional financial strategies like the Infinite Banking Concept (IBC).

If you're ready to challenge the status quo, take control of your financial destiny, and explore wealth-building methods that big institutions don't want you to know about, this episode is a game-changer.

Challenge the Status Quo: Don't accept conventional wisdom at face value. Actively question mainstream ideas in finance, health, and career. Seek out alternative perspectives and form your own informed opinions.
Adapt To Unexpected Challenges:Hans's experience with the COVID-19 vaccine mandate demonstrates how unforeseen events can disrupt career plans. Be flexible and willing to pivot when faced with obstacles.
Commit to Lifelong Learning:Never stop educating yourself. Actively seek out new information and ideas, especially those that challenge your current beliefs. Be open to changing your mind when presented with compelling evidence or theories.
Take Charge of Your Finances: Don't passively follow institutional financial advice. Educate yourself about various financial strategies, including alternative ones like the Infinite Banking Concept. Make informed decisions that align with your personal goals and values, and actively manage your financial future.

Got Questions?Reach out to us at info@remnantfinance.com
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Fri, 23 Aug 2024 - 49min
9 - How I Almost Lost My Retirement | Brian's Bio Interview
Meet Brian Moody, Air National Guard pilot turned financial educator. In this episode Brian shares his life story; How he went from thinking about his finances like most people to embracing the IBC. Brian talks about how the COVID-19 vaccine mandate threatened his military career, leading him to stand firm in his convictions and explore alternative financial strategies.

If you're ready to take control of your financial future and create lasting wealth that no bank or big institution can threaten, this episode is a must-listen.

Standing Up for Convictions: Brian's experience with the COVID-19 vaccine mandate in the military highlights the importance of standing firm in one's beliefs, even when faced with significant personal and professional risks.
The Power of the Infinite Banking Concept (IBC):Discovering IBC through Nelson Nash's book "Becoming Your Own Banker" transformed Brian's approach to personal finance, leading him to implement it for his family and eventually build a business around teaching it to others.
Breaking Generational Cycles:A pivotal moment with his dying father made Brian realize the impact of generational trauma and the importance of breaking negative cycles, both emotionally and financially. This realization, combined with IBC, motivated him to change his family's financial legacy.
Rethinking Retirement and Wealth Building:Brian challenges conventional notions of retirement and wealth accumulation, emphasizing the importance of continuous value creation, generational wealth through IBC, and aligning core values with one's spouse for long-term financial success.

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Fri, 16 Aug 2024 - 32min
8 - Stockholm Syndrome: Defending Your Financial Captors
You might not realize it, but you’re playing financial chess against three powerful opponents: financial institutions, the government, and corporations. These entities strive to keep your money as long as possible while returning as little as they can. Until you step away from “Conventional Financial Planning” you’ll never be guaranteed to win.
Financial Stockholm Syndrome is what happens when people paradoxically defend systems that are working against their best interests because it’s what they’ve been told. It’s time to rethink your thinking about financial physics. We know your 401(k)s and conventional financial planning growth assets benefit financial institutions immensely, have you considered why they want you in those products? Qui bono?
In this episode, Brian and Hans discuss how you can start prioritizing cash flow over net worth and enjoy the fruits of your labor today, rather than waiting decades.

Your Financial Opponents: Financial institutions, like banks and investment firms, aim to keep your money for as long as possible, benefiting from products like amortized loans and 401(k)s. The government acts as a significant player through taxation and regulation, creating obstacles to which they offer minor concessions that may not truly benefit individuals. Corporations participate in this system through tax-incentivized programs.
Conventional Financial Advice:Is the "save for retirement" mindset a good strategy? Qualified plans often benefit financial institutions and the government more than individuals while they defer your taxes and tie up money in illiquid investments. Rethink focusing on net worth over cash flow, in blindly trusting financial institutions, and in having a hands-off investing approach.
Financial Stockholm Syndrome: A phenomenon where people staunchly defend traditional financial systems and advice that may not serve their best interests. This stems from a lack of awareness about alternative strategies, trust in established institutions, and fear of deviating from financial norms.

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Fri, 09 Aug 2024 - 33min
7 - Under the Hood: Policy Structure
Your policy design affects how fast your cash grows and the degree of early capital accessibility. In the first of a recurring ‘Under the Hood’ series, Hans and Brian dive into the often misunderstood concept of Policy Design—the structure and components that make up your whole life insurance policy.

While many people view insurance premiums as just an expense, it is more accurate to think of premium into the policy as moving from a less efficient vehicle to an optimal savings vehicle. This ‘cash value,’ is accounted for as an asset, which enjoys extremely favorable tax benefits in addition to first line secured creditor access rights.

Understanding policy mechanics helps you make informed decisions about premium allocation to boost the efficiency of your whole life insurance policy. An intentionally strucutred ratio of base premium to paid-up additions (PUAs) can provide both long-term growth and early cash value accessibility. Maximizing the potential of your policy through proper design is both a powerful financial strategy now as well as a way to secure your family's financial future.

Learn how to ensure your policy is aligned with your long-term financial goals:
Base Premium vs. Paid-Up Additions (PUAs): The structure of a whole life policy involves a balance between base premium and PUAs. Base premium builds the foundation of the policy, while PUAs provide early cash value growth and accessibility.
Long-Term Thinking:Proper policy design requires long-term thinking. While PUAs provide immediate cash value, a strong base premium yields greater efficiency and growth in later years.
Customization: Policy structure should be tailored to individual needs and goals. Factors like age, financial objectives, and time value of money play crucial roles in determining the optimal balance between base premium and PUAs.
Cash Value Accessibility: A well-structured policy allows for immediate cash value accumulation through PUAs, making funds more accessible for the Infinite Banking strategy without sacrificing long-term growth potential.
Premium as an Asset:Unlike term insurance, whole life insurance premiums should be viewed as purchasing an asset rather than an expense (which is why banks and corporations stack the asset column of their balance sheet with whole life cash value). The policy's cash value remains accessible and grows contractually guaranteed over time, providing both protection and a financial tool for implementing the Infinite Banking Concept.

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Fri, 02 Aug 2024 - 54min
6 - Finance Gurus say "Whole Life is a SCAM" Here's Why They're Wrong
Is whole life insurance really a scam? In this episode, Brian and Hans read through and discuss an actual conversation they had and explore the often-repeated challenges to whole life and the infinite banking concept (IBC).

While many financial gurus dismiss whole life insurance, there's more to the story than meets the eye. Whole life insurance is a powerful savings vehicle, not just an insurance product. This distinction is crucial for understanding its true value in your financial strategy.

For example, a $500,000 whole-life policy isn't just about the death benefit. It's a contractual asset that grows guaranteed over time, potentially outpacing inflation and offering unique tax advantages. The hosts explain how this works and why it matters for long-term financial planning.

Brian and Hans also address the concept of "human life value" - the idea that your future earning potential is your most valuable asset. They explain how whole life insurance protects this value, offering your family financial security and peace of mind.

Tune in to learn why whole life insurance and IBC might be the missing pieces in your financial puzzle.

Key Takeaways:
Historical Performance:Whole life insurance has a long-standing track record of reliability. With 100-200 years of consistent performance and no defaults on American policies, this history demonstrates the product's stability and the industry's ability to meet its obligations, even through various economic cycles and crises.
Contractual Obligation: Whole life insurance is a legally binding contract between the insurer and the policyholder. This means that the insurance company is legally obligated to fulfill the terms of the policy. The contractual nature provides a level of security and predictability that no other financial product can match.
Regulatory Oversight:The insurance industry, including whole life insurance, is heavily regulated and backed by government oversight. This regulatory framework provides additional protection for consumers and ensures that insurance companies maintain sufficient reserves to meet their obligations. There is no ‘bank run’ equivalent to an insurance company.
Misunderstandings:Many criticisms of whole life insurance come from misunderstandings about how it works. People often compare it to investments rather than seeing it as a savings and protection vehicle from which you can invest more optimally. Brian and Hans also address misconceptions about cash value accessibility and the long-term nature of the product.
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Fri, 26 Jul 2024 - 43min
5 - What Are You Worth? Economic Life Value Explained
What exactly is your Economic Life Value and why does it matter? In this episode, Hans Toohey and Brian Moody delve into the often overlooked concept of Economic Life Value—your potential financial contribution over the course of your working life.

While your intrinsic worth as a person is immeasurable, there is a tangible monetary value to your ability to earn, which can be insured. This value, known as Human Life Value, represents a significant asset, more important than tangible assets like homes or vehicles.
For instance, a 25-year-old earning $100,000 annually has the potential to generate $4 million over a 40-year career. This calculation forms the basis for potential insurance coverage, underscoring the importance of maximizing this to safeguard your family’s financial future.
Personal development and strategic investments in oneself can boost one’s Economic Life Value. Maximizing insurance coverage is both a financial strategy and a moral obligation to those who have families dependent on them.
Tune in to learn how recognizing and insuring your Economic Life Value can offer security and stability for your loved ones, and why it’s crucial to ensure this asset is fully protected.

Differentiating Economic and Intrinsic Value: There’s a difference between a person's intrinsic value, which cannot be measured monetarily, and their Economic Life Value, which is the potential income one can generate over their career. This Economic Life Value can be insured, representing the monetary value of one’s ability to earn.
Importance of Maximizing Insurance Coverage:It’s crucial to maximize life insurance coverage to match one’s Economic Life Value. This ensures that in the event of an untimely death, one's family remains financially secure, and can provide the monetary value of their income even if they are no longer around to earn it.
Investment in Self:Invest in personal development to increase one's Economic Life Value. Investing in education, skills, and mindset can lead to higher income potential, which, in turn, can and should be protected through appropriate insurance coverage.
Moral Responsibility to Family: It's not just a financial strategy but also a moral obligation to secure life insurance that reflects one's full Economic Life Value. This ensures that dependents are not left in a precarious financial situation, aligning with the broader responsibility of providing for one’s family even in one's absence.
Resources Mentioned:
Economic Life value video: https://oneamerica-3.wistia.com/medias/mo0psuy409
ELV Calculator(scroll down to bottom of this page to find calculator pop-up link): https://www.oneamerica.com/individuals/offerings/life-insurance-products/whole-life

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Fri, 19 Jul 2024 - 27min
4 - The Ideal Savings Vehicle: Exploring the Many Facets of Whole Life Insurance
Whole life insurance can transform your financial strategy beyond just death benefits. Brian Moody and Hans Toohey discuss the versatility of whole life insurance as more than just a safety net after death.
Whole life insurance policies provide control and flexibility under a unilateral contract. It’s important to choose reputable companies, particularly mutual companies that share profits with policyholders, enhancing the benefits of these policies.
These policies benefit from guaranteed growth, independent of market conditions, and provide safety as one of the most secure financial vehicles available. Hans discusses the concept of uninterrupted compound interest, describing how whole life insurance ensures a consistent return, free from market volatility.
Hans and Brian also talk about the liquidity aspects of whole life insurance; policy loans offer a unique form of financial flexibility, allowing policyholders to access funds without the usual constraints or penalties associated with other financial products.
Whole life insurance offers other benefits, including tax advantages, inflation resistance, and creditor protection. Brian and Hans explain how these policies can serve as a reliable source of passive income in retirement, offering tax-free withdrawals and providing a financial safety net for policyholders and their beneficiaries. Listen to learn more about how whole life insurance can be a powerful component of your financial strategy, offering security, growth, and flexibility.

Key Takeaways:
Whole Life Insurance as a Savings Vehicle:Whole life insurance, particularly from mutual companies, can be an excellent savings environment with over 20 beneficial attributes, making it more efficient than standard savings accounts or money market accounts. Tax Advantages and Asset Protection:These policies offer tax-free growth, tax-free access to cash value through loans, and tax-free transfer of the death benefit to beneficiaries. They also provide creditor protection in most states, shielding both cash value and death benefits from lawsuits and creditors. Flexibility and Control:Policyholders have significant control over their policies, including flexible loan provisions without underwriting, unscheduled loan repayments, and the ability to change beneficiaries or transfer ownership easily. Inflation Resistance and Market Volatility Buffer:Whole life insurance policies are designed to be inflation-resistant, with level premiums becoming easier to pay over time in inflationary environments. They can also serve as a buffer against market volatility, allowing policyholders to access cash value during market downturns instead of selling depreciated assets.
Resources Mentioned
Creditor Protection by State:https://www.insuranceandestates.com/life-insurance-creditor-protection-by-state/

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Fri, 12 Jul 2024 - 33min
3 - Debunking Myths on Whole Life Insurance
Is whole life insurance a valuable financial tool or just an expensive mistake? On this episode, Hans Toohey and Brian Moody tackle the most common myths about whole life insurance.
They address the misconception that life insurance is only beneficial after death, explaining how whole life insurance, unlike term insurance, offers ongoing advantages through both death benefits and living benefits.
Properly structured whole-life policies can provide earlier access to cash value than most people realize. This feature, combined with unique benefits like tax advantages and guaranteed growth, makes whole life insurance a versatile component of a comprehensive financial strategy. Hans and Brian stress the importance of long-term financial planning and highlight how whole life insurance can benefit policyholders both during their lifetime and after death. They guide listeners through the concept of becoming their own banker, encouraging a fresh perspective on financial management.
Tune in to discover how whole life insurance and the Infinite Banking Concept could reshape your approach to personal finance and help you take control of your financial future.

Key Takeaways:
Understanding Whole Life Insurance:Recognize that whole life insurance is primarily a savings vehicle, not an investment. It offers unique benefits that differ from both traditional investments and term insurance, including guaranteed growth and robust tax advantages. Living Benefits of Whole Life Insurance:Contrary to the misconception that life insurance is only useful after death, whole life policies offer valuable living benefits. These include access to cash value, which can be used as a financial tool during your lifetime. Long-Term Financial Planning: Whole life insurance is designed as a long-term financial tool. It provides significant benefits over time, including the potential for generational wealth transfer and financial flexibility throughout your life. Cash Value and Death Benefit Relationship:Understand that the cash value and death benefit in a whole life policy are not separate entities. The cash value represents the current value of the future death benefit, growing over time as you pay premiums. Policy Structure and Growth:Properly structured whole-life policies can provide earlier access to cash value than commonly believed. This makes them more versatile and useful as a financial tool, countering the misconception that cash value growth is always slow and inaccessible.
Got Questions?Reach out to us at info@remnantfinance.com
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Fri, 05 Jul 2024 - 56min
2 - What Is The Infinite Banking Concept?
The Infinite Banking Concept allows people to utilize capital for security and growth without diminishing principal. This is essential for managing financial life cycles effectively, as it addresses America's critically low savings rate despite being the highest income earner globally.
In this episode, Brian and Hans discuss the fundamental problem of financing everything we purchase and how Infinite Banking can mitigate this by keeping your cash engaged and growing. They emphasize the importance of understanding the difference between saving and investing, with saving focused on preserving principal against risk and investing aiming for potential high returns but with associated risks.
Your role in financially educating your family and taking control of your finances is as vital as ever. Once you stop taking a backseat, you can start strategically using life insurance policies to maintain liquidity and ensure long-term financial security. Take control of your financial destiny by becoming your own banker.

Key Takeaways:
The Power of Liquidity and Control:Understand the significant advantages of keeping your money liquid and under control. Using strategies like Infinite Banking can help you ensure that your money is safe and continuously working for you, allowing for access without compromising the growth of the principal.
The Difference Between Saving and Investing:Differentiate your financial strategies between saving (protecting and preserving capital) and investing (seeking returns with associated risks). This understanding will help you make more informed decisions about allocating your funds effectively to achieve security and growth.
Utilize Whole Life Insurance as a Financial Tool:Consider whole life insurance policies, particularly from mutual insurance companies, as a strategic component of your financial plan. These policies can provide liquidity, control, and continuous compounding of interest, aligning with the principles of Infinite Banking and helping you grow and protect your financial assets.
Prioritize Financial Education and Control: Take charge of your financial education and manage your money. By becoming knowledgeable about how money works and managing it effectively within your own 'banking' system, you can reduce reliance on traditional financial institutions and create a more secure financial future for yourself and your family.
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Fri, 28 Jun 2024 - 30min
1 - Intro to Remnant Finance: Mastering Infinite Banking with Brian and Hans
Remnant Finance aims to revolutionize how you think about money. What’s Infinite Banking? It’s a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations.
Your hosts, Brian Moody and Hans Toohey, veteran pilots and authorized practitioners from the Nelson Nash Institute, will walk you through the nuts and bolts of Infinite Banking in a real, engaging, informative, and applicable way.
They’re not just here to throw facts at you; They want to help you craft a plan that fits your life and gets these strategies working for you. Expect to hear about setting up policies, managing your finances actively, and building a legacy of wealth.
And yes, this podcast is a two-way conversation. Got questions? Don’t be shy and reach out

Got Questions? Reach out to us at info@remnantfinance.com
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Wed, 26 Jun 2024 - 06min

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