Remnant Finance - Infinite Banking (IBC) and Capital Control

E104 - Someone Is Banking With Your Money Right Now (Is it You?)

Support the Dee Family: https://www.gofundme.com/f/the-robert-dee-family-support-fund Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans strips the banking function down to its core. Money flows into your life and money flows out, and the only question that matters is who profits from what happens in between. Right now, the answer is almost certainly someone else. Using Nelson Nash's "Becoming Your Own Banker" as his guide, Hans walks through the all-American family's spending pattern, the front-loaded mortgage trap, and the 345 MPH headwind eating away at every dollar you earn. If you've ever been turned off by the branding of IBC or the fact that the product is life insurance, this is the episode that asks you to separate the process from the product and actually look under the hood. Chapters: 00:00 – Opening segment 00:25 – What banking actually is (and why the Fed won't end) 03:50 – A plea for peace of mind 09:30 – Why the 1% term policy matters and what it means for your family 13:35 – What does a bank actually do? 16:55 – Building a dam 20:15 – Someone is banking with your capital right now. Is it you? 22:50 – Nash on the problem: the all-American family and the car loan 25:40 – The mortgage trap: 86% of every dollar to financing 32:00 – The 345 MPH headwind: why you can't out-save the interest 37:15 – Creating a bank: cogeneration and tapping the existing system 44:10 – Separate the process from the product 50:30 – Closing segment Key Takeaways: Banking is not a product you buy, it's a function already happening to your money. Capital flows in and out of your life whether you manage it or not, and someone is profiting from that flow right now. If you don't know who, it isn't you. Separate the process from the product. The banking function is the goal; whole life is simply the best tool currently available to facilitate it. Don't let a gut reaction to the words "life insurance" stop you from understanding the mechanics underneath. The volume of interest matters more than the interest rate. A modest-sounding rate still means 34.5 cents of every disposable dollar goes to interest, and roughly 86% of your mortgage payment in the first five years goes to financing rather than equity. The rate is the distraction; the volume is the wound. You can't out-save a 345 MPH headwind. No rate of return on your savings will outrun the drag of paying a third of every dollar in interest. Most people obsess over making the plane go 105 MPH instead of controlling the environment they fly in. Treat your capital the way a bank treats theirs. A bank never lends without collateral and insurance, and never lets capital sit idle. When you buy stocks with cash or leave money in a checking account, you're acting like the average American, not like a banker. Self-insurance is a myth. You will pay for life insurance one way or another, either through premiums or through lost retirement income. The question is whether your family is protected in the 1% scenario where it matters most.

E103 - Insider Trading, Estate Planning & Life Inside the Iran War

Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, We get a rare mid-deployment check-in with Brian, calling in from a hotel room in southern Israel. Before they get to the business of insurance and estate planning, the two cover a lot of ground: the culture shock of living overseas, why the right has lost the moral high ground on insider trading, how cheap drones are quietly dismantling the aircraft carrier model, and the retention crisis brewing across the military. Then they bring it home to what matters most for the Remnant audience, the hard financial lessons that hit different when you are sitting in a war zone with an unfunded trust.  If you have been putting off funding your trust or teaching your spouse how the system works, this episode is the wake-up call. Chapters: 00:00 – Opening segment 01:30 – Culture shock and the concept of being a "friar" 04:00 – Throwing elbows: comparing direct cultures abroad 06:30 – No personal boundaries and the bluntness spectrum 08:55 – What is the mission? 11:20 – The right's lost moral high ground on insider trading 14:40 – Prediction markets and the insider trading loophole 17:05 – Regret over the vote and the case against federal elections 18:50 – The Massie primary and the most expensive race in history 20:00 – The retention crisis: what the Guard and Reserves were meant to be 24:00 – No emotional stake: why this war won't swell the ranks 27:40 – How cheap drones defeated the aircraft carrier model 31:50 – They waived the vax mandate the moment they needed bodies 33:10 – Brian's decision 36:50 – Prepare your spouse to be a widow: the unfunded trust problem 40:30 – Does your wife know how to take a policy loan? 43:05 – The 72-hour power-kill drill and survival planning 44:25 – Closing segment Key Takeaways: An unfunded trust is the same as no trust. Brian admits his own trust is not properly funded, and now, deployed and off the grid, he cannot fix it. Funding the trust is the step everyone pushes to "next Friday" until life makes it impossible. Your life insurance living benefits only help your family if they know how to use it. Both Hans and Brian confess their wives have never been walked through the mechanics of taking a policy loan. Knowing what a policy loan is and knowing which buttons to click are two very different things. Prepare your spouse to be a widow before you think you need to. Nelson Nash did this late in life. The point stands at any age: your spouse should know where the documents are, how the system works, and what to do in an emergency, long before that emergency arrives. Run the drill while the stakes are low. Kill the main breaker for 72 hours and find the holes in your family's preparedness before a real crisis exposes them. The same logic applies financially: have your spouse take the next policy loan so the knowledge is real, not theoretical.

E102 - I Checked Dave Ramsey's 12% Math. Average Rate Of Return Is Misleading…

Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans tackles the two questions every listener is asking right now: is AI a bubble, and why does the market keep hitting record highs while everyone feels anxious? Then he dismantles what he calls the "holy grail" of mainstream financial planning, the average rate of return.  Using the exact numbers from a popular Dave Ramsey article, Hans proves that a projected $2.6 million retirement would have actually delivered far less, even with perfect hindsight and zero down years to spare. If you've ever been shown a smooth, parabolic growth chart by an advisor, this episode will change how you read it forever. Chapters: 00:00 – Opening segment 00:35 – Two things at once: record highs and record-low sentiment 02:10 – The cash flow vs. net worth philosophy 04:30 – Building a guaranteed cash flow floor instead of chasing FOMO 07:25 – Is AI a bubble? Bubbles with value vs. bubbles without 13:40 – Why AI is shattering earnings: more profit on a shrinking workforce 17:25 – The companies that won't survive the shakeout 22:30 – Oil, the Fed, and why rate cuts don't move the market like they used to 27:50 – The myth of the perfect parabola 29:25 – Math is not money: the grift in action 33:40 – $2.6 million vs. reality: running 30 years of actual market data 36:20 – Grifter math and the 34% shortfall 38:35 – The erosion of the castle: layering in fees and taxes 43:50 – Why you only get one shot at this 45:00 – Where guaranteed compounding actually lives 50:40 – Closing segment Key Takeaways: Two opposite things can be true at the same time. The stock market has hit roughly 21 record highs this year while consumer sentiment sits near historic lows. Understanding why both exist at once is the key to reading today's economy without panic or FOMO. Cash flow beats net worth. A large, untouchable retirement account at 65 is worth less than a guaranteed, steadily increasing floor of monthly cash flow you can rely on. Build the floor first, and the question of "what will my 401k be worth?" stops mattering. Record profits are coming from shrinking workforces. Companies are blowing out earnings reports by replacing expensive human labor with cheap AI tools. Same revenue, drastically lower cost, and profit margins explode. That is why the market climbs while sentiment falls. The average rate of return is a meaningless metric. The math is correct, but the money is wrong. Averaging 100% gains and 50% losses says you made 25% a year, when in reality you broke even or worse. Averages hide the gravity of negative numbers. The projected $2.6 million was never real. Using the exact data behind a Dave Ramsey 12% claim, $100,000 over 30 years should have grown to $2.585 million. Run the actual year-by-year returns and you end up with $1.72 million, a shortfall of roughly $857,000, with perfect hindsight and only six down years. Guaranteed compounding only exists in one place. Every other vehicle, from high-yield savings to MicroStrategy preferred shares, has rates that fluctuate. Contractual, uninterrupted compounding growth lives only in whole life cash value, where the best case is the case you actually get.

E101 - Becoming a Green Beret, Fighting the Mandate, and Running for Congress | Ft. John Frankman

Connect with John Frankman: https://frankmanforflorida.com/Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans sits down with John Frankman, a former Green Beret turned congressional candidate running for Florida's First District. John walks through what it actually takes to become a Green Beret, the brutal pipeline from selection through Robin Sage, and how the COVID vaccine mandate ended a career he'd spent over a decade building. Hans and John dig into the moral, religious, and legal grounds for refusing the shot, the bureaucratic punishment that followed, and why John believes the COVID accountability fight is the linchpin for cleaning up the rest of the rot in the Pentagon. They close on his congressional run, the establishment machine he's up against, and why most veterans in the most veteran-dense district in America don't have a veteran representing them. Chapters: 00:00 – Opening segment 01:30 – From LA to ROTC to the seminary 03:50 – The Green Beret pipeline: enlisted vs. officer routes 05:30 – Selection: 34% attrition, four MREs a day, and 20 lbs lost 09:50 – Special Forces vs. SEALs vs. Rangers 13:40 – Working by, with, and through partner forces 15:10 – The Q Course, SERE, and language training 16:30 – Inside Robin Sage: the unconventional warfare exercise 20:45 – Military Free Fall and getting to 7th Group 23:15 – The transgender major and the first test of conviction 25:50 – The shot mandate hits the team room 27:15 – Vaccination rate as a metric for good leadership 30:45 – Aborted fetal cells and the Catholic moral case 33:00 – Counseling the command back 36:25 – A year of being un-deployable, un-PCS-able, useless 37:40 – The two-star & the town hall 39:20 – Why the reinstatement process is a joke 41:00 – Why COVID accountability is the linchpin 42:45 – From silent retreat to running for Congress 44:00 – Matt Gaetz, the State of the Union, and stepping aside for Trump's pick 47:10 – Why Patronis isn't fighting for the district 50:30 – The most veteran-dense district in America has no veteran on staff 54:00 – Thomas Massie, special interest money, and the uphill fight 57:10 – Where to find John and how to support the campaign Key Takeaways: The Green Beret pipeline is brutal and specific. Selection alone has an enormous attrition rate before the year-plus Q Course even begins. Special Forces work by, with, and through partner forces, which is what distinguishes Green Berets from other Special Operations Forces. The COVID mandate metric was a disqualifier for leadership. The percentage of your team that took the shot became the measure of a good leader. That single inversion of values exposed which commanders had spines and which didn't. The shot was never FDA approved when the mandate was issued. Comirnaty was the approved label, but it was never available. Pfizer EUA was what was actually in the vials, which made the order unlawful on its face. Insubordination, done right, is documented. John responded to his counseling statement by numbering each paragraph and refuting it on the record. His whole team followed suit. Most commanders had no answer because there were no legally defensible responses. The reinstatement process is theater. The administration wants a headline, not accountability. The biggest COVID tyrants are still in the Pentagon and still the loudest cheerleaders for every other ideological capture.

E100 - Don't Die Without Creating These 4 Documents First…

Connect with Rohit Punyani: https://ownersasset.com/resource-library [https://ownersasset.com/resource-library]Book a call: https://remnantfinance.com/calendar  Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for a deep dive on estate planning, building from the basics that every family needs all the way up to advanced techniques used by ultra-high-net-worth families. Ro and Hans start with the four foundational documents every American needs regardless of net worth, then transition into the real heart of the episode: how life insurance functions as the single most powerful tool in estate tax planning. They walk through why "insurability is a currency," how convertible term lets you shield tens of millions from estate tax without consuming your exemption, and why the conventional advice to move everything out of your estate is often wrong. Chapters: 00:00 – Opening segment 01:55 – Why estate planning is unique to every family 04:25 – The Last Will and Testament: pros, cons, and the guardianship rule 09:35 – The "title test": what goes in the will vs. the trust 12:30 – Probate, public record, and Robin Williams 18:10 – Revocable trusts: what they actually do 25:40 – Frankenstein trusts and the funding problem 27:55 – Pour-over wills as the catch-all 33:25 – Why vague language kills directives 41:30 – Financial power of attorney and conservatorship 44:20 – Why banks demand their own POA forms 48:50 – Why the four documents stay separate 51:35 – Estate tax vs. income tax 01:01:00 – A real case: $6M policy, the irrevocable fix 01:04:00 – Insurability is a currency 01:11:50 – The Rockefeller Method: IBC on the kids 01:17:25 – Intentionally Defective Grantor Trusts 01:23:50 – Why the IRS allows hot-swapping assets 01:35:15 – Apocalyptic optionality: how IBC creates options 01:37:35 – Closing thoughts Key Takeaways: Every American needs the big four documents: a will, a revocable trust, a medical directive, and a financial power of attorney. The will is non-negotiable if you have kids because it names guardians, and a trust cannot. Insurability is a currency. Every healthy year you don't lock in coverage is wealth left on the table, and convertible term placed in an irrevocable trust consumes $0 of your $30M estate tax exemption. The contrarian play is to keep assets in your estate, not out of it. Preserve the step-up in basis on appreciating assets, then use massive life insurance death benefit (owned irrevocably) to pay the inevitable tax bill tax-free. Whole life beat the Barclays Aggregate Bond Index in 9 of the last 10 years after tax. The 15-year return on the broadest bond index is 2.21% taxable versus roughly 4.5-5% tax-free for dividend-paying whole life, with a death benefit on top. The Rockefeller Method scales this across generations. Start max-funded IBC policies on the kids, keep them in your estate, and create cascading multi-generational liquidity where each generation gets a step-up and tax-free death benefit to pay the next round of taxes.