E107 - You Cannot Imagine How Expensive 2050 Will Be. Plan Like It.

E107 - You Cannot Imagine How Expensive 2050 Will Be. Plan Like It.

Schedule with Scott: https://callosborn.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 welcomes back Scott Osborn, a retired Army officer turned financial planner who specializes in working with airline pilots, for a conversation about behavior, compounding, and why going conservative too early (or at the end) might be the most expensive mistake in retirement planning. They dig into what makes the airline pilot compensation structure unique, why average rate of return is a red flag that means nothing, and how the dollar milkshake theory explains a strong dollar even as Congress drives deficit spending off a cliff. From there they get into the math of compounding, including the magic penny example where losing a single day at the end costs you $2.6 million, and why a real plan with five to seven years of safe income lets you keep your growth assets ripping instead of chopping off the most valuable years of the curve. Chapters: 00:00 – Opening segment 02:40 – Why airline pilots need specialized planning 04:50 – Headwinds, tailwinds, and fixing behavior first 06:15 – Market timing and the "market is too expensive" trap 07:25 – Optimism is the only realism 08:40 – "This time is different" is the bait that ruins investors 10:00 – Why average rate of return means nothing 11:55 – The dollar milkshake theory explained 18:15 – True diversification is across asset classes, not sectors 18:40 – IBC and the collapse of the dollar: hedging against being wrong 24:00 – Reality will keep slapping your predictions in the face 27:00 – Bad life insurance advice is dished out freely 33:15 – Maximize fixed income to keep equity allocation high 33:50 – The real multiplier math: 12x at 10 years, 66x at 30 38:45 – The magic penny: losing day 30 costs you $2.6 million 42:30 – Five to seven years of safe income keeps you aggressive 43:50 – Market at all-time highs while everyone feels uneasy 47:10 – Dry powder: going conservative with new money only 48:05 – A mortgage from 2000 and what 2050 will look like 52:15 – The K-shaped economy and playing the rules as written 58:30 – Closing segment Key Takeaways: Average rate of return means nothing. Volatility, sequence of returns, and inflation all destroy the simple spreadsheet math of dragging 8% across cells. Build a robust portfolio for total lifetime return instead of chasing an annual average. The last years of compounding are the most valuable, so don't chop them off. A penny doubled daily hits $5.3 million in 30 days, but losing just day 30 costs you $2.6 million. Target date funds that dial down growth near retirement are cutting the curve at its steepest point. Preservation without a plan is its own loss. A 63-year-old who went to all cash out of fear missed out on roughly $1 million of growth in two years. His account never went down, but it went down from what it should have been. Five to seven years of safe income is the unlock. Between IBC policy cash value, cash savings, and conservative new contributions, you can weather the worst market stretches without selling equities at a loss, which lets you stay aggressive for a long, long time. Everyone who bet on the dollar collapsing has been wrong so far. Gold, raw land, and the fortified homestead all require dollars to acquire. Hedge against being wrong by optimizing your dollar acquisition and preservation either way.

E106 - He Built Jet Engines for GE... Now He Teaches Families How to Build Financial Freedom | David Zapata

Schedule with David: https://factumcalendar.com/david 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 David Zapata of Factum Financial, one of their leading agents, for a wide-ranging conversation that moves from David's personal story to the philosophy behind infinite banking and the kind of practice he and Kyle Fuller are building. They walk through David's path from a Colombian upbringing marked by the early loss of his mother, to a decade as a jet engine engineer at GE, to the coffee shop meeting and the single book that pulled him out of the corporate track. From there they get into why nobody has an incentive to teach you control, why life insurance is a product of privilege, and the four-stage progression from saver to full infinite banking practitioner that shapes how Factum serves its clients. Chapters: 00:00 – Opening segment 03:30 – Growing up in Colombia and losing his mother at 15 07:35 – Protection as a real transfer of risk you can't control 09:40 – Insuring the non-breadwinner spouse 12:20 – The peace of mind of having already transferred the risk 13:05 – Ten years at GE and the pull toward more purpose 13:40 – Watching layoffs and retirement fear reshape his thinking 18:25 – Financial literacy in Colombia vs. the US 28:10 – Stop being a passenger: becoming your family's CFO 33:05 – Money as the foundation for every other relationship 41:40 – Concentrating capital across four policies 43:00 – Getting licensed and joining Factum 45:05 – "The Waiting List": why delaying kids backfires 47:30 – None of us know how many days we have 49:30 – Inside Factum: 2,300 clients and 99% persistency 54:00 – Why Factum won't do transactional business 59:15 – The Factum model and building leverage as an agent 01:05:20 – Read the book again: you've changed, it hasn't 01:07:25 – Where to find David and Factum Key Takeaways: The absence of protection is a risk you can't control. David lost his mother to cancer at 15, and it shaped a lifelong conviction: in the absence of protection, a family falls prey to whatever is left.  Life insurance the way it's used here is a product of privilege. As one of David's CLU professors put it, whole life requires the money, the background, and the health to access it, which is why the top 20% of society uses it meaningfully.  You can earn six figures and still save nothing. David and his wife both earned six figures and couldn't put away $400 a month, and it made him doubt whether he could even afford to have kids.  Don't run a transactional practice, build relationships. Factum services roughly 2,300 active clients with 99%-plus persistency and about a billion dollars of protection across all 50 states.

E105 - Stop Planning for Retirement, Start Planning for Freedom

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 his third appearance, this time for a deep dive on retirement planning that takes apart the conventional model and rebuilds it around income and freedom rather than net worth. They walk through why Monte Carlo simulations and the 4% rule fail in the real world, how sequence of returns risk quietly destroys plans, and why net worth is the wrong number to chase. From there they lay out the two bookends of every plan, the 25X accumulation rule and the 12X annuity rule, and land on the middle ground: roughly 30% in risk-free assets paired with dividend growth equities, structured so you never have to sell unrealized losses. Chapters: 00:00 – Opening segment 02:55 – Freedom vs. surety of income: two definitions 05:25 – Re-pensionizing America and why the wealthy never stop 08:45 – Why entrepreneurship is about who you become 12:30 – Why Monte Carlo simulations don't work 14:55 – Sequence of returns risk explained 16:50 – Why even a linear 9% return runs out of money 18:35 – Where to start: the two bookends 19:25 – The 4% rule and the 25X heuristic 20:25 – The annuity bookend and the 12X heuristic 22:30 – The annuity's Achilles heel: inflation 24:40 – Inflation riders and the joint annuity strategy 27:55 – Net worth is not a proxy for income 30:50 – Why age 65 is arbitrary 33:50 – Building toward a dream part-time job 36:05 – The 30% rule and the Ernst & Young study 43:35 – The S&P: great for accumulation, terrible for distribution 45:00 – Dividend achievers, aristocrats, and kings 47:35 – The magic number is 8: yield on cost explained 51:15 – Earn compound interest, pay simple interest 56:00 – Why this strategy is so hard to run 57:35 – The Bessembinder study and why indexing works 01:04:05 – A plan is not a plan if you can run out of money 01:06:20 – Closing segment Key Takeaways: Retirement isn't the absence of work, it's freedom, the ability to do what you want, when you want, with whoever you want. The people who retire to something thrive; the ones who only retire from something often don't last. Net worth is not a proxy for income. Retirement planning is income planning. A zero-dollar net worth with $20,000 a month of guaranteed income beats a huge number you're too scared to spend down. You can average 7%, withdraw 4%, and still go broke. The average return doesn't matter, the sequence does. A couple of down years early in retirement force you to sell principal, and no Monte Carlo simulation can model human behavior, lifestyle creep, or a long-term care event. Know your two bookends. Multiply your target income by 25 (the 4% rule) for the high end of what you need to save, and by 12 (an 8% annuity) for the low end. For $100K a year, that's $2.5M versus $1.2M, and the right answer for most people sits in the middle. Index to dividend growth, not just the S&P. Roughly 40% of the S&P's total return since inception has come from dividends, and dividend aristocrats have historically raised payouts faster than inflation, giving you an inflation-indexed income stream instead of forcing you to decide what to sell, when, and how much.

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.