Brian and Hans record together IN PERSON for the first time at the Factum Financial Infinite Banking Mastery Event in Scottsdale, Arizona, joined by Josh Rose from Factum Financial. This isn't your typical financial conference recap—it's a raw conversation about why the best financial gatherings spend more time discussing kids, vacations, and family legacy than investment returns.

Whether you're struggling with the "we don't talk about money" generational curse or wondering how to raise financially literate kids without forcing them into specific careers, this fireside chat challenges everything conventional wisdom teaches about family and finances.

Chapters:

00:00 - Opening: First in-person recording from Scottsdale

02:28 - Introducing Josh Rose and his journey to IBC

05:05 - How IBC brings families together vs. traditional finance separating them

06:56 - The Five Core Areas (Fab Five): Faith, Family, Fitness, Finance, Friendship

10:38 - Evaluating your life as a wheel—are all areas balanced?

17:16 - Living intentionally now vs. locking money away for retirement

21:39 - "I don't have access to my money for 3-4 years" objection

28:17 - The startup business analogy for whole life policies

31:32 - The Future Family Letter: Eliminate bad habits, set standards, create excitement

35:47 - Breaking the "we don't talk about money" curse

37:37 - Teaching kids about money age-appropriately

40:22 - Making "policy" a normal word in your household

44:07 - "I want my children to do whatever they want PLUS be a banker"

47:48 - Everyone's in two businesses: income generation and banking

52:30 - Closing segment

Key Takeaways:

• Traditional finance promotes individuality and separates families—IBC brings families together through interdependence and shared banking systems

• The Five Core Areas (Faith, Family, Fitness, Finance, Friendship) create a framework for evaluating whether your life is "running smoothly"—connect the dots to see if your wheel is balanced

• Your kids are only this age once—IBC removes the false choice between living fully now and saving for later by giving you access to capital while building guaranteed wealth

• The "we don't talk about money" generational curse creates financially illiterate children who learn from the world instead of their parents—break this by making "policy" a normal household word

• Write a Future Family Letter to eliminate generational habits you don't want, set clear standards for what you do want, and create excitement about what your family can become

• Make your children bankers first, then let them do whatever career they want—the banking foundation gives them freedom to pursue their passions without financial anxiety

• Traditional financial planning asks "what will I accumulate by 65?"—IBC asks "how can I live abundantly in all five areas while building generational wealth?"
  

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Two-time NASCAR champion Kyle Busch just lost $8.5 million in an Indexed Universal Life policy after paying $10.5 million in premiums. This isn't just celebrity drama—it's a case study in why 90%+ of IULs collapse and why we'll never sell one.

IULs try to be insurance, savings, and investment all in one product. The result? A policy full of moving parts, changing cap rates, rising mortality charges, and a "path of least resistance" that leads most people to stop funding properly. By your 70s, the annual insurance cost skyrockets while your cash value evaporates. The company transfers risk back to you—the opposite of what insurance should do.

Whole life insurance has guaranteed increases, true downside protection, unlimited upside potential, and a 200+ year track record. Don't mix protection, savings, and growth into one product. Keep them separate. Think in years, measure in weeks. And whatever you do, don't "IUL" your financial future.

Chapters:

00:00 - Opening segment

01:44 - Kyle Busch

$8.5M IUL lawsuit introduced

03:51 - How did this happen? Bobby Samuelson article breakdown

05:43 - Agent structured policy to maximize his compensation

07:21 - Why celebrity cases expose industry-wide problems

09:19 - How IULs work: cap rates, floors, participation rates

13:07 - The mortality charge death spiral explained

14:32 - Real client story

18:32 - Why policies collapse in your 70s and 80s

20:18 - Net amount at risk breakdown

22:11 - IULs transfer risk back to you (opposite of insurance)

22:54 - Protect, Save, Grow: Don't mix them

26:13 - Why IULs exist and why they fail

28:17 - Whole life dividends vs IUL flexibility traps

32:52 - Proper protection across all life areas

35:12 - Long-term thinking vs optimization traps

38:17 - Conservative approach to new growth strategies

40:12 - Don't "IUL" your trading or life insurance

42:30 - Closing segment

Key Takeaways:

• Kyle Busch lost $8.5M of $10.5M in premiums in an IUL—brings national attention to product failure rates

• IULs have cap rates (max return), floors (usually 0%), and participation rates—but companies can change caps anytime

• 90%+ of IULs collapse because of human behavior traps and rising mortality charges in later years

• IULs charge monthly mortality based on net amount at risk—when policy underperforms, charges increase

• Insurance should transfer risk to the company—IULs transfer risk back to you

• Whole life has guaranteed increases every year, true downside protection, unlimited upside potential, and 200+ year track record

• Don't mix protection, savings, and growth—keep them separate and intentional

• Think in years, measure in weeks—stay conservative even when you find better strategies

• Only time to "buy term and invest the difference": when your only other option is an IUL

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

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Most people fail with money because they're stuck in extremes. Underwhelmed by the same old advice like "save more, spend less, lock it away and hope compound interest saves the day." The truth is simple: You are the asset. Your ability to create value is the greatest investment you'll ever have. This episode breaks down Garrett Gunderson's framework for the six money moves that actually matter. Stop locking money away in qualified plans. Stop self-insuring when you should transfer risk. Stop overpaying taxes as a W-2 employee with only 8 deductions when business owners access 475. Focus on cash flow assets that let you live today while building wealth for tomorrow. The penalty for following broken financial philosophies is permanent, but aligning your plan with who you are brings freedom sooner than you think.

Chapters:

00:25 - Opening Segment

04:55 - Why most people fail with money

06:35 - You are the greatest asset

08:15 - The underwhelming advice: save, spend less, lock it away

10:35 - Spend less is capped - grow yourself as an asset instead

14:50 - Overwhelmed by conflicting tips

19:05 - Teaching value creation

20:20 - Step 1: Automate and build liquidity with whole life

23:20 - Daily burn rate calculation method (263 days liquidity example)

26:50 - Step 2: Transfer risk, don't self-insure

29:05 - Pacific Palisades fires: Self-insurance myth exposed

33:15 - Step 3: Estate and entity structure (trusts vs wills)

39:35 - Step 4: Stop tipping the government

41:05 - 8 deductions vs 475: W-2 employees vs business owners

43:55 - Sourdough bread business example

45:50 - Step 5: Invest in alignment with your investor DNA

46:25 - Get to vs have to - does it feel like noise?

50:00 - Step 6: Focus on cash flow, not accumulation

54:45 - Living today while building for tomorrow

57:20 - Closing Segment

Key Takeaways:

• You are your greatest asset - ability to create value is the greatest investment you'll ever have

• Standard advice (save more, spend less, hope for compound interest) keeps you broke

• Step 1: Automate liquidity using whole life as emergency fund - calculate daily burn rate to know exact days of liquidity

• Step 2: Self-insurance is a myth - transfer catastrophic risk to insurance companies for pennies on the dollar

• Step 3: Get trust in place to avoid probate - if you don't have estate plan, government has one for you

• Step 4: W-2 employees have 8 tax deductions, business owners with EIN have 475 - create business entity now

• Step 5: Invest in your investor DNA - ask "do I GET to do this or HAVE to do this?"

• Step 6: Focus on cash flow assets, not buy-and-hold accumulation in qualified plans

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Visit https://remnantfinance.com for more information

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

Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )

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