Gary's Gulch

The Fed finally lowered interest rates and the mortgage companies are relentlessly pushing for refinances. What is the best choice? In almost all cases, it is the 30 year fixed. Why? Many reasons - listen in and find out!   Highlights * Fed lowers interest rates: Mortgage opportunities. * Velocity banking: An Australian trick. * Bet on yourself: God-driven decisions. * 15-year vs 30-year mortgages: Initial setup. * Payment calculations: Mortgage comparison. * 15-year mortgage interest: Quick payoff impact. * Cash vs mortgage: Wealth building scenarios. * Million-dollar example: Time as a financial factor. * Tax misconceptions: Understanding tax brackets. * Inflation impact on mortgages: Long-term effects. * Financial strategies: Tax and deduction insights.   Links and Resources from this Episode * Connect with Gary Pinkerton * https://www.paradigmlife.net/ [https://www.paradigmlife.net/]  * gpinkerton@paradigmlife.net [gpinkerton@paradigmlife.net] * https://garypinkerton.com/ [https://garypinkerton.com/]  * https://clientportal.paradigmlife.net/WealthView360 [https://clientportal.paradigmlife.net/WealthView360]    Review, Subscribe and Share If you like what you hear please leave a review by clicking here [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029]   Make sure you’re subscribed to the podcast so you get the latest episodes. * Subscribe with Apple Podcasts [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029] * Follow on Audible [https://www.audible.com/pd/Garys-Gulch-Podcast/B08JJPJDW3] * Subscribe with Listen Notes [https://www.listennotes.com/podcasts/garys-gulch-gary-pinkerton-UZzgvl9BRno/] * Subscribe with RSS [https://garywpinkerton.libsyn.com/]

September 2025 has been a whirlwind of change and unprecedented events. The Fed finally lowered rates, the economy is booming, there is a revival of goodness in our country and the world. It is time to celebrate the wins!   Highlights * Clarification: Prophets vs. Profits. * Charlie Kirk’s legacy and impact. * Handling triggers and emotional responses. * Responding vs. reacting - Zig Ziglar’s insight. * Focusing on gratitude to avoid being triggered. * Good vs. Evil: A testament to God’s existence. * Erica Kirk’s forgiveness at Charlie Kirk’s memorial. * Current events: Federal Reserve rate changes. * Personal journey: From negative net worth to financial success. * Lessons from financial journey and business ownership. * Gratitude as a counter to negativity and triggers. * Optimism for revival of goodness in the world.   Links and Resources from this Episode * Connect with Gary Pinkerton * https://www.paradigmlife.net/ [https://www.paradigmlife.net/]  * gpinkerton@paradigmlife.net [gpinkerton@paradigmlife.net] * https://garypinkerton.com/ [https://garypinkerton.com/]  * https://clientportal.paradigmlife.net/WealthView360 [https://clientportal.paradigmlife.net/WealthView360]    Review, Subscribe and Share If you like what you hear please leave a review by clicking here [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029]   Make sure you’re subscribed to the podcast so you get the latest episodes. * Subscribe with Apple Podcasts [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029] * Follow on Audible [https://www.audible.com/pd/Garys-Gulch-Podcast/B08JJPJDW3] * Subscribe with Listen Notes [https://www.listennotes.com/podcasts/garys-gulch-gary-pinkerton-UZzgvl9BRno/] * Subscribe with RSS [https://garywpinkerton.libsyn.com/]

Most people do very little strategic thinking about what investments they have or why they have them. They simply follow the herd or a popular investment newsletter that promises huge returns. In this episode I explain why residential rental properties are a cornerstone of my investment strategy and why I recommend you consider them as well. I get into specifically why I support these investments with infinite banking or family banking life insurance policies and show a couple of examples of the financial impact of doing so.   Highlights * Why rental properties and hard assets? * Impact of overall portfolio on wealth returns. * Infinite banking: explanation and personal impact. * Lessons from a rural upbringing and stagflation. * Navy career and financial wake-up call. * Control over money equals reduced risk. * Maslow’s hierarchy of needs applied to investments. * Direct vs. indirect investment risk. * Differences between savings and investments. * Borrowing against life insurance for investments. * Infinite banking’s financial advantage demonstration. * Differences in returns with infinite banking. * Constructing an infinite banking policy. * Whole life insurance vs. IUL and its implications. * Accessing and contributing flexibility to policies. * Scalability and contribution duration in policies.   Links and Resources from this Episode * Connect with Gary Pinkerton * https://www.paradigmlife.net/ [https://www.paradigmlife.net/]  * gpinkerton@paradigmlife.net [gpinkerton@paradigmlife.net] * https://garypinkerton.com/ [https://garypinkerton.com/]  * https://clientportal.paradigmlife.net/WealthView360 [https://clientportal.paradigmlife.net/WealthView360]    Review, Subscribe and Share If you like what you hear please leave a review by clicking here [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029]   Make sure you’re subscribed to the podcast so you get the latest episodes. * Subscribe with Apple Podcasts [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029] * Follow on Audible [https://www.audible.com/pd/Garys-Gulch-Podcast/B08JJPJDW3] * Subscribe with Listen Notes [https://www.listennotes.com/podcasts/garys-gulch-gary-pinkerton-UZzgvl9BRno/] * Subscribe with RSS [https://garywpinkerton.libsyn.com/]

I constantly get questions and push-back on holding so much of my client's net worth as liquidity in their Hierarchy of Wealth's Tier 1 foundation layer. This episode digs into things we've heard like Cash is Trash so that business owners, real estate investors and those managing their family finances can put into perspective the value of liquidity and looking holistically at their Return on Wealth, not just microscopically at one investment they made or another. Bottom line - liquidity is king, it is food for the racehorse, and if you are seeking greater agency in your life then You are that horse!   Highlights * Liquidity as a superpower. * Feeding the racehorse analogy. * Marketing during recessions: A turnaround strategy. * Crisis and opportunity: The same symbol fallacy. * The importance of having a war chest. * Debunking “cash is trash” misconception. * The redundancy analogy from nuclear power. * Return on wealth concept introduced. * Overcoming fear of missing out.   Links and Resources from this Episode * Connect with Gary Pinkerton * https://www.paradigmlife.net/ [https://www.paradigmlife.net/]  * gpinkerton@paradigmlife.net [gpinkerton@paradigmlife.net] * https://garypinkerton.com/ [https://garypinkerton.com/]  * https://clientportal.paradigmlife.net/WealthView360 [https://clientportal.paradigmlife.net/WealthView360]    Review, Subscribe and Share If you like what you hear please leave a review by clicking here [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029]   Make sure you’re subscribed to the podcast so you get the latest episodes. * Subscribe with Apple Podcasts [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029] * Follow on Audible [https://www.audible.com/pd/Garys-Gulch-Podcast/B08JJPJDW3] * Subscribe with Listen Notes [https://www.listennotes.com/podcasts/garys-gulch-gary-pinkerton-UZzgvl9BRno/] * Subscribe with RSS [https://garywpinkerton.libsyn.com/]

One of my heroes and a great Patriot, Dan Bongino would ask this repeatedly on his podcast and radio show before he accepted the position as 2nd in charge at the FBI. When people constantly endured incremental losses of freedom and agency, he would point out that is simply wasn't bad enough for them to put a stop to it yet. How do we avoid this cycle of pain and change beforehand? I've got some thoughts, listen in!   Highlights * Question to the audience: Facing life challenges? * Insight from Russell Brand on life difficulties. * Personal struggle with faith and surrendering to God. * Realization of ego in personal struggles. * Approach to prayer and trusting God. * New path and unexpected opportunities. * Emphasis on family time and personal reflection. * Approach to client meetings: quarterly calibration.   Links and Resources from this Episode * Connect with Gary Pinkerton * https://www.paradigmlife.net/ [https://www.paradigmlife.net/]  * gpinkerton@paradigmlife.net [gpinkerton@paradigmlife.net] * https://garypinkerton.com/ [https://garypinkerton.com/]  * https://clientportal.paradigmlife.net/WealthView360 [https://clientportal.paradigmlife.net/WealthView360]    Review, Subscribe and Share If you like what you hear please leave a review by clicking here [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029]   Make sure you’re subscribed to the podcast so you get the latest episodes. * Subscribe with Apple Podcasts [https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029] * Follow on Audible [https://www.audible.com/pd/Garys-Gulch-Podcast/B08JJPJDW3] * Subscribe with Listen Notes [https://www.listennotes.com/podcasts/garys-gulch-gary-pinkerton-UZzgvl9BRno/] * Subscribe with RSS [https://garywpinkerton.libsyn.com/]