Out Print the Fed with 1% per week: https://remnantfinance.com/options

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You've heard us talk about Low Stress Trading for months now. You've seen the testimonials in the chat. Maybe you're still on the fence. This episode is the deep dive—we're breaking down exactly how IBC and options trading work together, running the actual math (even with worst-case assumptions), and sharing real results from clients who started trading less than four months ago.

We walk through the order of operations: should you fund your trading account first or pay premium first? How do policy loans actually integrate with a brokerage account? And what happens when the market eventually turns?

We also address the elephant in the room—why some people think this is a scam, and why that criticism fundamentally misunderstands how the strategy works.

If you've been waiting for proof of concept before jumping in, this episode gives you the numbers and the framework..

Chapters:

00:00 – Opening segment

01:35 – Credit card discussion

04:42 – IBC + low stress trading integration

06:18 – Three core questions we're answering this episode

07:43 – Everything financial is connected—your dollars are one ecosystem

09:27 – Will the bull market last forever?

11:08 – Why it's felt like the bottom could fall out for five years straight

13:47 – The importance of growth strategy even within protect-save-grow

14:53 – What happens when the market tanks and trading gets harder

16:02 – Why having capital on the sideline matters

19:03 – Using one policy for investing, one as an untouched emergency fund

22:13 – Treating the policy loan as interest-only (and why that's different than a car loan)

25:22 – Brian's whiteboard: $50K policy loan compounding at 1%/week

28:54 – Year-by-year breakdown with taxes and loan interest factored in

37:42 – Worst-case scenario still produces 31% annual returns

40:07 – Order of operations: fund premium first or trading first?

43:58 – Why protect-save-grow means IBC comes before trading

46:47 – Worst-case math revisited: 8% interest, 30% tax, 0.8% weekly returns

54:18 – "Best scam I've ever been a part of"

58:02 – The value of a structured education vs. free YouTube

1:01:37 – Closing thoughts and how to join

Key Takeaways:

IBC and trading aren't separate strategies—they integrate. Every dollar in your financial life is connected. Using policy loans to fund a trading account lets your capital work in two places at once: compounding in your policy and generating returns in the market.

The math works even under worst-case assumptions. At 8% loan interest, 30% taxes, and only 0.8% weekly returns, a $50K policy loan still produces roughly 31% annual returns. With more realistic numbers, the results are dramatically better.

Order of operations matters. Fund your IBC premium first, then borrow against it to trade. This keeps protection in place, maximizes tax benefits, and lets your policy cash value grow uninterrupted.

You control everything. Trades happen in your own brokerage account (Schwab, Robinhood, etc.). No one else touches your money. The "scam" criticism misunderstands the structure entirely.

Real clients are seeing real results. Members of our trading group are reporting 1%+ weekly returns, with some replacing significant portions of their income in under four months.

Having capital on the sideline matters. When the next market downturn comes, those with cash available in their policies will be positioned to buy at the bottom

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You've been listening to the podcast. You've read Nelson Nash. You're sold on IBC. But now what? What actually happens when you reach out to an agency like Remnant Finance?

This episode is a behind-the-scenes look at our entire process—from the first intro call to policy delivery and years of ongoing service. We break down the three things you should look for in an advisor (and why only two of them are actually required), explain why we start underwriting before we've finalized your policy design, and get honest about what kind of client we work best with.

We also talk about what separates good IBC practitioners from agents who just have a license and a pitch. Spoiler: most people selling life insurance know less about it than you will after a few calls with us. That's not arrogance—our own company reps have told us that.

If you're evaluating whether to work with us or someone else, this episode gives you the full picture of what we do, how we do it, and why we do it that way.

Chapters:

• 00:00 – Opening segment

• 03:25 – The problem with "I can do IBC" advisors at big firms

• 06:30 – The three credentials: license, company contract, NNI certification

• 08:35 – Why getting a life license is dangerously easy

• 09:45 – Company selection: mutual companies and what makes them IBC-ready

• 10:45 – Captive vs. independent agents

• 13:05 – Why we work with two primary carriers

• 21:05 – What NNI certification actually involves

• 23:45 – Why insurance companies love NNI business (persistency)

• 28:05 – Our process starts: the intro call

• 31:00 – When IBC isn't the right fit (yet)

• 33:00 – Why we filter for worldview—and why that's actually good for you

• 36:45 – "If you have to drag them in, you'll have to drag them around"

• 37:15 – The intake form and application process

• 38:25 – Why we apply for more coverage than you might need

• 43:50 – How underwriting requirements work (the flow chart)

• 47:25 – Strategy calls while underwriting happens in the background

• 52:15 – Policy review: Loom walkthrough vs. live Zoom call

• 55:00 – Policy in force—now what?

• 56:45 – The range of ongoing service: hands-off to hands-on

• 59:00 – There's no industry requirement for ongoing service—ask your agent

• 1:04:45 – Closing thoughts and how to book a call

Key Takeaways:

• A license is just the first step. Getting a life license is easy—memorize a study guide, pay a fee, pass a test. It doesn't mean someone knows how to structure a policy for IBC.

• Company selection is critical. Only about 10-12 mutual companies can write policies the way Nelson Nash taught. Your agent needs a contract with one of them—and ideally understands the differences between them.

• Captive agents are limited. If your advisor works for a single company (like Northwestern Mutual), they can only offer that company's products. Independent brokers can match you with the carrier that fits your situation.

• NNI certification isn't required, but it matters. It's not a legal requirement to sell IBC-style policies, but it signals that an advisor has gone through specific training in Nelson Nash's methodology and stays connected to ongoing education.

• We start underwriting early—on purpose. The application process takes 4-6+ weeks. We submit it before finalizing your policy structure so the company is waiting on us, not the other way around. Think of it like a mortgage pre-approval.

• Education happens throughout. Expect 2-4+ calls before your policy is even issued. We want you to understand what you're buying, how it works, and how to use it. This should be the asset you understand the most.

Book a call: https://remnantfinance.com/calendar !

Email us at info@remnantfinance.com !

Visit https://remnantfinance.com for more information

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Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )

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This episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next.

The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood.

Chapters:

• 00:00 – Opening segment

• 01:25 – 2025 macro overview: building resilience against all outcomes

• 05:05 – Fed rate divergence: Japan raising while the US cuts

• 06:55 – The yen carry trade explained

• 10:30 – Quantitative easing: how the Fed creates money through primary dealers

• 13:45 – The Cantillon effect and why Wall Street benefits first

• 15:15 – Congress is the root cause, not the Fed

• 17:05 – Why Austrian economists were partially wrong about 2008 QE

• 19:30 – Will this round of QE hit faster?

• 21:45 – The bond market is calling the Fed's bluff

• 25:45 – The case for growth assets in an inflationary environment

• 28:00 – Forward P/E at 23x: what the metric means

• 34:05 – How forward P/E correlates with 10-year returns

• 40:30 – Why you need both growth and guaranteed savings

• 42:00 – The dual paths of wealth: protection and growth

• 45:15 – The house fire story50:10 – AI as the wildcard disrupting all economic models

• 53:05 – The slow-motion Black Swan we're living through

• 56:45 – The 1994 email clip: we're there again with AI

• 59:00 – Closing segment

Key Takeaways:

• Two Narratives, One Strategy: The inflation/debasement trade says buy growth assets. Elevated P/E ratios say expect flat returns. Both are valid—which is why you need exposure to both growth and guarantees.

• The Fed Isn't the Root Problem: Congress can't stop spending. The Fed enables it by monetizing debt through quantitative easing. Until spending stops, money printing won't stop.

• The Bond Market Doesn't Believe the Fed: Rate cuts should lower mortgage rates. They haven't. The 10-year Treasury is rising because bond buyers are pricing in continued inflation and fiscal recklessness.

• Forward P/E Matters: At 23x, historical data shows a strong correlation with flat inflation-adjusted returns over the next decade. That's not a prediction—it's a data point worth considering.

• AI Changes Everything (Maybe): What took 30 years of internet development now happens in 12 months with AI. It could accelerate productivity beyond anything we've measured—or it could be a bubble. Nobody knows. Plan accordingly.

Book a call: https://remnantfinance.com/calendar !
The Fed just cut rates. Japan just raised theirs to a 30-year high. The bond market is calling the Fed's bluff. And Congress keeps maxing out credit cards while writing their own spending limit increases. What does this mean for your money—and how do you plan when the signals are screaming opposite things?

The Dual Paths of Wealth: You're always walking two roads—protection and growth. Whole life insurance designed for IBC lets you do both simultaneously: guaranteed savings you can leverage into growth assets without abandoning either path.