Wade Borth - Sage Wealth Strategy

Episode Summary In this episode of the Wade Borth Podcast, Wade Borth sits down with assistant Beth Reich to tackle one of the most common reactions people have when hearing about Infinite Banking and whole life insurance strategies: "This sounds like a scam." Through an open and candid conversation, Wade explains why skepticism often comes from misunderstanding how whole life insurance works, the stigma surrounding insurance products, and the prevalence of financial misinformation online. He emphasizes that Infinite Banking is not a "get rich quick" scheme, but rather a long-term financial system built on discipline, intentionality, and education. The discussion explores the difference between empowerment and dependency in financial planning, how policy loans have existed since the 1800s, why mutual insurance companies operate differently from Wall Street-driven institutions, and how individuals can regain control over the financing function in their lives. This episode serves as both an introduction and a reality check for listeners curious about Infinite Banking, whole life insurance, and personal financial sovereignty. Links & Resources sagewealthstrategy.com Keywords Infinite Banking, IBC, whole life insurance, financial education, financial freedom, policy loans, mutual insurance companies, personal finance, wealth building, cash flow, banking system, financial empowerment, skepticism, financial literacy, money mindset, long-term wealth, life insurance strategies, financial control, Wade Borth, policy cash value Episode Highlights 00:00–01:16 – Wade introduces the episode and explains the goal: addressing the "unasked questions" many listeners have about Infinite Banking and whole life insurance. 01:16–02:22 – Beth discusses how online comments often label the strategy as "a scam" or "too good to be true." 02:22–04:23 – Wade explains that there is "no magic in this business, just a lot of magicians," emphasizing transparency and financial empowerment. 04:23–06:17 – Wade explains that Infinite Banking requires intentionality, discipline, and understanding—not an "easy button." 06:17–07:23 – Discussion about financial incentives and how money managers profit whenever money moves. 08:39–10:17 – Beth asks whether stigma around insurance products contributes to skepticism surrounding whole life insurance. 10:17–12:05 – Wade explains how mutual insurance companies operate for policyholders rather than shareholders. 12:05–13:25 – Wade breaks down the concept of paying premiums versus receiving a larger death benefit. 14:03–15:30 – Wade explains that whole life insurance is not an investment, but a professionally managed bond and real estate portfolio. 15:30–16:33 – The history of policy loans is discussed, dating back to 1848. 16:33–17:27 – Wade describes Infinite Banking as "the opposite of get rich quick"—a long-term wealth-building process. 18:15–19:06 – Wade discusses how people should evaluate whether a financial strategy truly serves their goals. 19:06–20:39 – Conversation about skepticism versus curiosity and the importance of open-minded learning. 22:21–24:48 – Discussion about how modern media amplifies both education and misinformation around financial concepts. 25:47–28:23 – Wade explains the historical origins of banking and references The Creature from Jekyll Island when discussing centralized banking systems.

Summary What would happen if $5 million suddenly landed in your bank account today? Would it change your life for the better—or quietly destroy it? In this episode, Wade Borth explores a powerful and often overlooked truth: money doesn't create success—it amplifies who you already are. Without the right mindset, habits, and financial framework, even large sums of money can disappear quickly, leaving families worse off than before. Through real-life experiences delivering multimillion-dollar life insurance checks, Wade reveals how lack of preparation—not lack of money—is the real problem. He introduces the concept of the "Path of Money", a simple yet powerful framework to help families manage, grow, and protect wealth across generations. This episode is a call to action: stop avoiding money conversations and start building a financial legacy through intentionality, education, and family alignment. Links & Resources https://www.youtube.com/watch?v=xnrmblds0Jo https://www.youtube.com/watch?v=9jeNtlmvceM sagewealthstrategy.com https://www.loom.com/share/eb55c619dbc6452d9acee8199432f243  Keywords money mindset wealth building family legacy financial literacy inheritance planning life insurance path of money liquidity financial habits generational wealth stewardship financial education infinite banking personal finance discipline wealth psychology Episode Highlights 00:00–00:34 – The core question: What would you do with $5 million today? 00:34–01:02 – Why sudden wealth (like the lottery) often leads to negative outcomes 01:02–01:28 – The idea: money redistributes based on behavior, not luck 01:28–02:07 – The real issue: lack of systems and financial frameworks 02:07–02:45 – Life insurance payouts: real stories of wealth disappearing quickly 02:45–03:25 – Why money itself isn't bad—it's just a tool 03:25–04:00 – Misconception: "I don't want to leave money to my kids" 04:00–04:42 – Introducing the Path of Money framework 04:42–05:18 – The danger of defaulting to spending without thinking 05:18–06:04 – The importance of a "liquidity bucket" before decisions 06:04–06:40 – Applying family values to financial decisions 06:40–07:22 – Money amplifies behavior: discipline vs. chaos 07:22–08:05 – Helping vs. handing money to the next generation 08:05–09:14 – Why money conversations must happen openly in families 09:14–10:22 – Teaching habits early: small lessons → lifelong impact

🎙️ Episode Summary Have you ever felt like everyone else is getting the best investment opportunities — except you? Market downturns happen. Crypto dips. Real estate deals surface. And somehow… you're watching from the sidelines. In this episode, Wade Borth explains why. It's not because others have a secret playbook. It's not because you're not smart enough. It's not even about access. It's about liquidity and framework. The difference between chaos and opportunity is often one thing: access to cash with a plan. Wade shares a client story about a disciplined saver who had built significant reserves — yet still felt financial pressure. The problem wasn't a lack of money. It was a lack of clarity about how much was enough. Once they defined his burn rate and established a one-year liquidity target, everything changed. He didn't just feel safe. He felt free. This episode is about building a structure that protects your family first — and gives you a permission slip to invest second. 🔗 Links & Resources sagewealthstrategy.com https://www.youtube.com/watch?v=mqFjV_yhiO4   🔑 Keywords Liquidity Burn Rate Investment Framework Financial Certainty Cash Access Opportunity Investing Market Downturn Strategy Wealth Building Financial Freedom Permission Slip Investing Emergency Fund Strategy Scarcity vs Abundance Real Estate Investing Crypto Investing Financial Confidence 🔥 Episode Highlights 00:00–00:30 – Why it feels like everyone else gets the deals 00:00:46–00:01:08 – The difference between opportunity and chaos 00:01:26–00:01:50 – Why most people feel financial anxiety 00:02:06–00:02:26 – The two-step solution: security first, opportunity second 00:02:41–00:03:21 – Client story: disciplined saver with financial pressure 00:03:21–00:03:58 – Determining how many days of liquidity are enough 00:04:15–00:04:33 – Realizing he had twice the liquidity he needed 00:04:33–00:04:50 – The "permission slip" to invest 00:05:08–00:05:26 – Building investment criteria around personal values 00:06:19–00:06:37 – The life jacket analogy: protect first, prosper second 00:06:59–00:07:13 – When accumulation becomes clarity  

🎙️ Episode Summary In this deeply personal episode, Wade Borth clarifies what he really means by "liquidity." After releasing a previous episode on burn rate and days of liquidity, someone asked him a simple question: "What's liquidity?" That question sparked this conversation. Liquidity isn't jargon. It's simple: Do you have enough cash — or access to cash — to sleep at night? Wade shares the story of being unexpectedly let go in 2009. The panic. The physical reaction. The scarcity mindset. And then the turning point — realizing he had access to cash through his policies. That access didn't eliminate the problem. It eliminated panic. Liquidity bought him time. Time created clarity. Clarity allowed better decisions. This episode is about certainty in uncertain moments — and why accessible cash changes everything. 🔗 Links & Resources sagewealthstrategy.com https://www.youtube.com/watch?v=mqFjV_yhiO4 🔑 Keywords Liquidity Cash Access Financial Certainty Emergency Funds Burn Rate Scarcity Mindset Financial Stress Income Loss Whole Life Policy Money & Peace of Mind Financial Anxiety Cash Flow Strategy Financial Resilience Wealth Strategy Decision-Making Under Pressure 🔥 Episode Highlights 00:00–00:29 – Recap of burn rate and liquidity conversation 00:00:50–00:01:29 – What liquidity actually means (no jargon) 00:01:29–00:01:52 – Stress, uncertainty, and unhealthy decision-making 00:02:35–00:03:58 – The day Wade was unexpectedly fired in 2009 00:03:58–00:04:37 – Physical reaction to income loss (panic mode) 00:05:16–00:05:37 – Joshua 1:9 and finding strength in uncertainty 00:06:13–00:06:35 – Calling the insurance company to check available cash 00:06:35–00:06:58 – Realizing he had 6–10 months of liquidity 00:07:58–00:08:17 – "Cash buys you time to breathe." 00:08:33–00:08:53 – The two most important times you need liquidity 00:09:10–00:09:27 – Why everyone needs to know their liquidity number 00:10:07–00:10:25 – Turning crisis into growth through certainty  

🎙️ Episode Summary In this episode, Wade Borth breaks down a powerful yet surprisingly simple framework to eliminate financial pressure: understanding your burn rate and calculating your days of liquidity. Instead of complex financial strategies, Wade focuses on clarity through simplicity. By knowing exactly how much you spend daily and how much accessible cash you have, you can determine how many days you could survive without income. This isn't about budgeting. It's about buying time. It's about certainty. It's about sleeping at night. Wade explains how most financial anxiety stems from not knowing your numbers — and how once you do, you can move from scarcity-based decisions to freedom-based decisions. 🔗 Links & Resources sagewealthstrategy.com https://www.youtube.com/watch?v=mqFjV_yhiO4 Email - [email protected] with the subject "Burn Rate" to get a copy of the spreadsheet & we can review it together.     🔑 Keywords Liquidity Burn Rate Financial Pressure Emergency Fund Cash Flow Savings Strategy Financial Clarity Money Mindset Financial Freedom Wealth Building Sequence of Investing Financial Security Personal Finance Certainty vs Scarcity Income Protection   🔥 Episode Highlights 00:00–00:34 – Why financial pressure keeps you up at night 00:00–01:02 – Simplicity creates clarity (not complexity) 00:02:28–00:03:06 – "Do I actually know my numbers?" 00:05:37–00:06:17 – Calculating your burn rate (Annual expenses ÷ 365) 00:06:38–00:07:14 – Why liquidity matters more than investments in a crisis 00:08:12–00:08:40 – Example: $78,000 liquid cash = 262 days of security 00:09:58–00:10:16 – Most people have less than 30 days of liquidity 00:10:54–00:11:15 – Setting a target: 365 days of liquidity 00:11:15–00:11:39 – Why freedom comes after certainty 00:11:55–00:12:14 – Making investment decisions from confidence instead of fear 00:13:09–00:13:28 – The key question: How many days can you survive without income?  

Episode Summary In this episode of The Wade Borth Podcast, Wade Borth and frequent guest David Zapata recap their experience attending the Nelson Nash Institute Think Tank in Birmingham, Alabama — a gathering of Infinite Banking Concept (IBC) practitioners focused on preserving Nelson Nash's legacy and advancing financial education. Rather than discussing tactics alone, the conversation explores deeper themes revealed during the event: the human side of money, the importance of community, and why both financial professionals and clients struggle with the same three core challenges — loneliness, lack of systems, and absence of guidance. Wade and David unpack how Infinite Banking is not merely a financial product but a long-term transformation process centered on mindset, behavior, and intentional growth. The episode highlights the Think Tank's central theme — "Think Long Range" — and explains why wealth building requires decades-long thinking, clarity of purpose, and continuous personal development. Listeners will gain insight into how financial strategies serve as tools — not goals — and why becoming your own banker is ultimately about becoming a more intentional leader in your financial life, family, and community. Links & Resources Connect with David Z - Infinite Banking Foundations  or at [email protected] Connect with Wade - Infinite Banking Foundations  or at [email protected] *Can we attach this as a pdf? - and note if anyone wants the video accompanying the attached PDF, they should contact David Zhttps://18. LIQUIDITY STRATEGY (1).pdf Keywords Infinite Banking Concept Nelson Nash Institute Think Long Range Becoming Your Own Banker Financial mindset Wealth building philosophy Liquidity strategy Whole life insurance strategy Community and coaching Financial education Private banking strategy Human behavior and money Financial leadership Long-term thinking Generational wealth Financial systems and processes Personal development Wealth psychology Financial independence Money mindset transformation Episode Highlights 00:10–01:17 - Introduction and purpose of the Nelson Nash Institute recap 01:17–03:01 - What the Think Tank is and why practitioners gather annually 03:01–04:55 - Community vs. groupthink: learning through diverse perspectives 04:55–07:07 - Infinite Banking as mindset, process, and properly structured product 07:07–08:44 - Two conversations happening simultaneously: professionals and clients 08:44–10:32 - Liquidity as the root financial problem most people face 10:32–13:19 - The three shared pains of agents and clients: loneliness, systems, guidance 13:19–15:11 - Human behavior as the true obstacle in financial success 15:11–18:17 - Why coaching and community accelerate financial confidence 18:17–21:17 - "Think Long Range" and the transformation behind becoming your own banker 21:17–24:51 - Long-term relationships vs transactional financial advice 24:51–26:59 - Generational thinking and building financial foundations that last decades 26:59–28:48 - Infinite Banking as a bridge to life goals — not the goal itself 28:48–31:01 - Focusing on vision instead of financial tools and mechanics 31:01–34:10 - Personal reflections and growth through industry experience 34:10–36:28 - Improving client conversations through empathy and curiosity 36:28–38:18 - Confirming progress while recognizing room for growth 38:18–41:04 - Sequencing financial decisions and avoiding premature strategies 41:04–44:44 - Final takeaway: becoming the "chess master" of your financial life  

Summary  In the final episode with Wade, Todd, and David, the conversation shifts from philosophy to history and mentorship. Wade asks what has changed in the financial industry over the past several decades and what hasn't. Todd reflects on the early days before computers, the impact of mentors like Norman Baker, the myth of "deals" in insurance, and the importance of integrating tools—not replacing human judgment with them. The discussion highlights why math must be paired with context, conversation, and strategy in order to truly serve clients. It's a timely reminder that the future of financial advice isn't about replacing the advisor — it's about elevating them.   Episode Highlights 00:15:50 - Evolution of Industry Conversations. 00:03:18 - Addressing Industry's Adversarial Past. 00:03:52 - Life Insurance and Cash Value Benefits. 00:04:41 - Asset Flow: Evaluating Investment Synergy. 00:06:39 - Painting a Picture of Financial Sacrifice. 00:09:02 - The Importance of Asking the Right Questions. 00:11:49 - Balancing Technology with Human Insight. 00:13:25 - Challenges of AI in Financial Advice. 00:13:37 - Importance of Mentorship in Industry. 00:13:38 - Mentorship's Role in Leveraging Experience.   Episode Resources sagewealthstrategy.com About Todd And The Financial Software Guest Name Todd LangfordGuest [email protected] Additional guest  David Zapata [email protected]   Keywords Wade Borth Podcast smart ideas new opportunities money management financial independence investment strategies insurance industry real estate vs stock market holistic financial planning rate of return asset flow cash value life insurance distribution phase financial software financial calculators AI in finance investment biases financial advising financial conversation client confidence financial mentorship financial industry evolution interest rates financial context financial education  

Summary  In part two, Todd shares the essential ideas he believes every advisor and client should understand: the difference between savings and investments, why life insurance belongs in the "certainty asset" category, how cash protects against both gray and black swan events, and why net worth isn't the real target—cash flow and distribution are. The trio explores asset sequence, liquidity, and why small strategic changes over time outperform "swinging for the fences." If you want to advise more effectively, make smarter financial decisions, or reshape how you think about money and risk, this episode is the place to start.   Episode Highlights 00:00:14 - Conversation with Todd Langford. 00:02:00 - Investment vs. Savings. 00:04:54 - Certainty in Financial Strategies. 00:06:46 - Black Swan and Grey Swan Events. 00:10:39 - Importance of Distribution Phase. 00:13:32 - Growth at the Edge of the Coin. 00:15:31 - Casino Success vs. Financial Reality. 00:11:00 - Savings vs. Rate of Return.   Episode Resources sagewealthstrategy.com About Todd And The Financial Software Guest Name Todd LangfordGuest [email protected] Additional guest  David Zapata [email protected]   Keywords Wade Borth podcast   financial clarity   financial life   Todd Langford   industry insights   learner's mentality   whole life insurance   investment vs. savings   certainty vs. uncertainty   real estate market   stock market   asset integration   financial strategy   distribution phase   net worth vs. cashflow   financial advisors   black swan events   gray swan events   financial risk management   liquidity   rate of return   financial planning   Robert Kiyosaki   financial decisions   financial growth   strategic plan   financial journey  

Summary  In part one of this three-part conversation, Wade Borth sits down with Todd Langford and David Zapata — two thinkers who have been reshaping how advisors and clients approach money. Together they break down why most financial decisions are emotional rather than mathematical, why small behavioral shifts create massive compounding effects over time, and why understanding your relationship with money is foundational. From cars to Amazon purchases, to becoming the "director in your own movie," this episode shows how certainty and clarity begin with awareness, not complexity.   Episode Highlights 00:01:14 - Introduction of Todd Langford and Truth Concepts. 00:02:22 - Decision-making: Emotional vs. Mathematical. 00:03:00 - The financial impact of frequent car buying. 00:05:00 - Understanding long-term impact of decisions. 00:06:05 - The power of integrated strategies. 00:08:56 - Importance of client-centered financial advice. 00:10:09 - Emotional importance in financial decisions. 00:12:57 - Advisors' role in personalized financial planning. 00:15:34 - Small changes, big impacts: The power of compounding. 00:19:27 - Inflation awareness in financial planning. 00:21:22 - Visualization challenges in financial goals. 00:22:45 - Clients' difficulty in self-imagining future wealth. 00:24:59 - Encouragement to take control of personal finances. 00:26:18 - Conclusion and teaser for upcoming episodes.   Episode Resources sagewealthstrategy.com About Todd And The Financial Software Todd Langford [email protected] David Zapata [email protected]   Keywords Wade Borth Podcast financial freedom Truth Concepts industry insights decision-making process emotional decisions financial strategies long-term impact financial tools software calculations financial advisors client relationships personal finance incremental changes life planning maximum potential calculator retirement planning inflation impact financial habits director in your own movie small shifts  

Summary  In this episode, Wade breaks down the numbers behind America's growing retirement crisis and why so many families struggle to build meaningful retirement accounts. Instead of simply blaming market volatility or lack of discipline, he explores deeper causes—from generational inheritance expectations to the hesitation younger savers have about locking money away for 30+ years in traditional tax-qualified plans. Wade also challenges the conventional definition of "retirement," arguing that true financial freedom comes from passive income, control, and liquidity—not hitting a magic age. He outlines alternative strategies for building long-term certainty, including using properly structured whole life insurance as a savings environment, a legacy transfer tool, and a way to maintain financial privacy and control. If you're rethinking what retirement should actually look like, this episode offers a refreshing framework and a more strategic path forward.   Episode Highlights 00:00:25 - Retirement crisis: Americans' shocking savings. 00:01:09 - Passive income vs. traditional retirement. 00:02:07 - Running towards fulfillment, not away from work. 00:03:35 - Strategic planning for inheritance and wealth transfer. 00:05:05 - Conversation on financial legacy with life insurance. 00:06:11 - Hesitation of younger generations to lock money away. 00:08:04 - Alternatives to traditional retirement savings vehicles. 00:09:05 - Scary statistics on Americans' retirement savings. 00:10:08 - Saving 10-30%: Importance and alternatives. 00:11:14 - Whole life insurance as a strategic financial tool.   Episode Resources sagewealthstrategy.com https://theinsboss.com/ https://www.youtube.com/watch?v=mqFjV_yhiO4   Keywords Wade Borth podcast   financial freedom   American retirement crisis   passive income   financial abundance   life insurance   inheritance planning   tax-free benefits   retirement vehicles   retirement savings   savings vehicles   investment plans   401k   alternative investments   whole life insurance   financial planning strategies   retirement benchmarks   income growth   financial independence   risk tolerance   certainty in investments   strategic saving  

Summary  In part two of this conversation, Wade and Suzanne White pull back the curtain on how commercial property and casualty insurance actually works behind the scenes. They explore premium financing, non-standard policies, minimum earned premiums, and the hidden costs many business owners unknowingly accept just to stay insured. Suzanne explains how a lack of liquidity forces reactive decisions, while intentional cash strategy creates flexibility, leverage, and control. This episode bridges commercial insurance planning with smarter capital management and Infinite Banking principles, showing how business owners can reduce friction, improve efficiency, and stop leaking dollars over time. If you want a clearer understanding of how insurance, liquidity, and long-term wealth strategy work together, this episode delivers the practical insight.  Episode Highlights 00:00:38 - Impact of COVID on businesses. 00:02:12 - Insurance challenges during COVID pandemic. 00:04:50 - Holistic approach to client financial strategies. 00:07:04 - Introduction to Boss Financial Group. 00:07:52 - Unique offering: Financial Foursquare system. 00:08:52 - Clarity and communication build trust. 00:09:31 - Importance of financial education. 00:10:32 - Leveraging team expertise for freedom. 00:12:54 - Role of comprehensive business valuation. 00:15:11-  Distinguishing price from value in insurance.   Episode Resources sagewealthstrategy.com https://theinsboss.com/ https://www.youtube.com/watch?v=mqFjV_yhiO4   Keywords Wade Borth podcast   financial partners   collaboration   Suzanne White   financial team   multiple use of dollars   COVID impact   business preparedness   insurance coverage   SBA links   financial planning   property and casualty   nonprofits   Financial Foursquare   business owner solution strategies   BOSS Financial Group   asset protection   business valuation   leverage   advisor expertise   commission-based services   commercial property and casualty   relationship business   financial clarity   business legacy   trust in advisors  

Summary  In this episode, Wade sits down with Suzanne White to uncover one of the most overlooked pillars of financial protection for business owners: commercial property and casualty insurance. Together, they explore why P&C is often treated as a checkbox instead of a strategic foundation, how COVID exposed dangerous gaps in liquidity, and why siloed advisors leave business owners vulnerable. This conversation sets the stage for a more holistic approach to wealth, risk, and leadership—where liquidity creates opportunity instead of chaos and coordinated planning replaces fragmented advice. If you want to understand why protection, cash flow, and advisory alignment matter before a crisis hits, this episode will reshape how you think about your financial foundation.   Episode Highlights 00:00:06 - Introduction to Suzanne White. 00:01:15 - Entering the insurance industry. 00:05:00 - Creating a holistic client approach. 00:06:35 - Lessons learned from COVID. 00:07:50 - The importance of liquidity. 00:09:20 - Building a collaborative financial team. 00:13:32 - Understanding premium financing. 00:16:30 - Different policies in property & casualty insurance. 00:20:56 - Premium financing costs. 00:24:00 - Reducing insurance costs through a holistic strategy. 00:27:20 - Unseen costs in small business policies. 00:29:59 - Utilizing a super application for efficiency. 00:32:15 - Keeping insurance policies updated with business growth. 00:36:40 - The importance of focusing on your expertise. 00:38:30 - Empowerment through collaboration. 00:41:11 - Final invitation to future conversations.   Episode Resources sagewealthstrategy.com https://theinsboss.com/ https://www.youtube.com/watch?v=mqFjV_yhiO4   Keywords Wade Borth podcast   smart ideas   new opportunities   money   life on your terms   Suzanne White   Brent White   property and casualty insurance   business property and casualty insurance   commercial insurance   infinite banking   whole life insurance   financial realm   holistic client care   business owner advisors   liquidity   COVID   financial Pyramid   team   premium finance   interest rates   standard policy   non-standard policy   Lloyds of London   commercial insurance premiums   self-insuring   deductibles   insurance claims   financial advisors   super application   risk management   exit strategy   business growth   insurance agents  

Summary  In this episode of the Wade Borth Podcast, Wade and guest Kira discuss the emotional and financial journey of parents as they transition to empty nester life with a child in college. Gain insightful perspectives on balance, independence, and financial wisdom—essential for every parent facing this stage. Don't miss Kira's unique insights and Wade's seasoned guidance!   Episode Highlights 00:00:12 - Launch of Kira's Consumer Corner 00:00:25 - Discussion on Empty Nest Syndrome 00:01:09 - Importance of Interdependence 00:02:02 - Parenting an Only Child 00:05:11 - Emotional Shift: Empty Nester Challenges 00:06:07 - Financial Interdependence with College-Aged Children 00:08:08 - Balancing Protection and Independence 00:10:17- Abundance in All Aspects of Life 00:12:32 - Building a Strong Foundation for Independence   Episode Resources https://podcasts.apple.com/us/podcast/wade-borth-sage-wealth-strategy/id1515358066  https://www.sagewealthstrategy.com/podcasts/    Keywords Wade Borth Podcast   financial life   Kira's Consumer Corner   college   freshman year   empty nesters   interdependence   family dynamics   financial preparedness   policy loan   life lessons   digital safety   abundance   Five Areas   parenting   resilience   empowerment   foundation  

In this "Best of 2025" episode of the Wade Borth Podcast, explore transformative insights on building personal banking systems, the security of life insurance, and a real client's inspiring Infinite Banking Concept (IBC) journey. A highlight is guest Nate Scott's enlightening perspective on infinite banking stages. Essential listening for anyone seeking to redefine financial freedom and legacy building. Episode Highlights 01:09 - Understanding Infinite Banking 03:00 - Four Stages of Whole Life Insurance 05:00 - Importance of Being a Saver 06:07 - The Financial Pressure of Being Asset Rich, Cash Poor 08:00 - Taking Control of Debt 09:56 - Wealth Acceleration and Investment Strategies 12:09 - Managing Risk in Whole Life Policies 13:34 - Institutional Level Management with Life Policies 15:50 - Managing for Death Certainty and Economic Changes 18:49 - The Legacy and Future Currency Transactions 22:00 - The Problem of Not Having Enough Money Saved 25:19 - Transitioning to Being a True Wealth Creator 28:23 - Becoming the Money Lender 33:05 - Significance of Financial Legacy and Education 37:09 - Solving the Central Problem of Access to Capital Episode Resources https://podcasts.apple.com/us/podcast/wade-borth-sage-wealth-strategy/id1515358066  https://www.sagewealthstrategy.com/podcasts/   

In today's, Wade explores the idea that what got you here won't get you where you want to go. He breaks down why rethinking your thinking is essential for growth and how "arrival syndrome" can quietly hold you back. Wade also touches on leading yourself in the Five Areas of Life, letting go of what no longer serves you, and building the right team to support your goals. A short but powerful reminder to pause, reflect, and step into who you need to become next. Episode Highlights 01:50 - Coaching perspective on growth and success. 02:18 - Five areas of life for holistic abundance. 03:34 - Leadership in personal and professional areas. 04:39 - Revisiting the "Arrival Syndrome." 05:32 - The mountain climbing analogy. 07:01 - The importance of continuous growth. 08:22 - Growth requires subtraction. 09:23 - Letting go for future potential. 10:52 - The potential of working less for more results. 12:26 - Achieving clarity for business growth. 13:51 - The importance of delegation. 15:05 - Intensive focus vs. consistent systems. 18:56 - Identity and skill set growth. 22:00 - The concept of a Wealth Team. 24:23 - Building and using frameworks. 26:27 - Empowering personal and professional growth. Episode Resources sagewealthstrategy.com   

In this episode, Wade breaks down how "financial sewer backups"—market downturns, emergencies, recessions, and income loss—can blindside families and business owners. He explains why liquidity, cash reserves, and intentional planning are the key to surviving financial crises, protecting your wealth, and finding opportunities when others panic. If you want a practical, no-nonsense guide to building financial resilience and staying secure in uncertain times, this conversation is packed with real-world insight. Episode Highlights 03:01 - Panic and urgency in a crisis. 04:39 - Financial "sewer backup" metaphor. 05:33 - Preparedness in financial adversity. 05:56 - Importance of cash liquidity. 06:38 - Creating financial buffers. 09:57 - Calculating daily expenses and liquidity. 10:27 - Reassessing personal financial security. 11:30 - Building adequate financial reserves. 12:36 - Surviving financial stress events. 13:12 - Opportunities amidst financial crises. Episode Resources sagewealthstrategy.com

In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America's growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the "low payment" and not the true cost, and how thinking like a banker—not just a borrower—can change everything. Wade contrasts the typical consumer approach with strategies rooted in Infinite Banking, whole life insurance, and intentional cash flow, encouraging listeners to treat their money as sacred, question clickbait headlines, and make mortgage decisions that actually serve their long-term financial freedom. Episode Highlights 00:47 - Discussing the 50-year mortgage trend 01:22 - Kira's initial reaction to the 50-year mortgage concept 03:56 - Mechanics and implications of a 50-year mortgage 05:00 - Interest rates comparison between 15, 30, and 50-year mortgages 05:19 - Consideration of earning potential versus mortgage interest rates 07:16 - Average age of first-time homebuyers and long mortgage terms 09:48 - Impact of extended mortgage terms on overall cost 14:43 -The importance of financial education and awareness 16:50 - Family banking and teaching financial responsibility 22:00 - The value of time and financial decision-making Episode Resources sagewealthstrategy.com  The Truth about 15 vs 30 Year Mortgages: Total Cost: https://www.loom.com/share/8b6e261950dc466c9e81b562fcedc96f  The Truth about 15 vs 30 Year Mortgages: Additional Factors: https://www.loom.com/share/36baa22d201344f49a709894ed03144b  The Infinite Banking Implementation of 15 vs 30 Year Mortgages: https://www.loom.com/share/d18eaac393ff43fb8c85b9cb51a39adc   

In this episode of The Wade Borth Podcast, Wade breaks down the recent headlines about NASCAR driver Kyle Busch allegedly losing $8.5 million in an Indexed Universal Life (IUL) scheme—and why stories like this create so much confusion about life insurance. Wade explains the likely factors behind the situation, including premium financing and unrealistic illustrations, and clarifies why IUL shifts risk back to the client while dividend-paying whole life insurance operates on guarantees, transparency, and long-term stability. Instead of letting one bad actor or bad tool tarnish the entire industry, Wade uses this moment to highlight the critical differences between IUL and whole life, the importance of understanding risk, and why whole life remains the most reliable foundation for financial security. Episode Highlights 03:03 - Index Universal Life (IUL) concerns. 05:50 - Universal life risks to clients. 07:11 - Whole life vs. Universal life. 10:54 - Value of guarantees in whole life. 13:04 - Transferring risk to policyholders. 15:39 - Whole life as a liquidity contract. 19:21 - Industry skepticism and bad actors. Episode Resources   sagewealthstrategy.com   

In this episode: Wade walks through Business Banker (treating capital like a business, routing more cash flow through policies, and demanding payback with interest) and Infinite Banker (a closed family banking ecosystem where money consistently flows through your policies across generations). Expect practical criteria for loans, deal flow, and protecting liquidity while you invest. Tune in to see how disciplined policy use becomes a system—so your family controls the money game, not the banks. Episode Highlights 00:47 - Overview of podcast stages: business banking and infinite banking. 01:28 - Definition of a business banker and control over finances. 02:26 - Mindset shift: Premiums as investments, not expenses. 03:04 - Redirecting cash flow: Benefits and privacy of policies. 08:12 - Hard money lending and expanding banking systems. 10:02 - Key components of wealth building and financial conversations. 11:20 - Treating money transactions like a business. 13:02 - Infinite banking mindset and the closed financial ecosystem. 15:52 - Interdependence and family financial ecosystems. Episode Resources sagewealthstrategy.com 

In this episode: Wade breaks down the first two stages of owning whole life: Saver (building a safe, liquid foundation and tightening your relationship with money) and Wealth Builder (shifting premiums from "expense" to "opportunity," paying down the right debts, and funding opportunities without sacrificing liquidity). You'll hear how Tough Money habits, cash-flow redirection, and a clear "days of liquidity" target create real control—not just theory. Tune in to learn how to move from storing cash to putting it to work—on your terms. Episode Highlights 01:04 - Exploring the four stages of whole life insurance. 04:43 - The misconception of doing infinite banking. 05:35 - Stages from saver to infinite banker. 07:59 - Building a strong financial foundation. 09:17 - Misclassification of life insurance as liquidity. 13:56 - Whole life insurance as a secure investment. 16:50 - Transitioning from saver to wealth builder. 18:27 - Strategic debt elimination. 21:17 - Importance of increasing cash flow. Episode Resources sagewealthstrategy.com   

Welcome to a new episode of the Wade Borth podcast, focusing on "Consumer Corner" where we answer common questions that come across Wade's desk by clients.  In this episode, Wade is joined by his assistant Kira Nyland to go through questions regarding Term Insurance and if it's a better fit than Whole Life.  If you're stuck between which type of policy might be the best option, this episode is for you! Episode Highlights 03:38 - The role of informed decision-making in finance. 05:15 - Debunking common financial myths. 07:53 - Exploring the debate: Term vs. Whole Life Insurance. 10:07 - The misperception of term insurance costs. 13:39 - Actuarial data and term insurance claims. 15:54 Insurance company strategies on premium pricing. 18:08 - Legacy planning limitations with term insurance. 21:24 - Understanding the value vs. cost in insurance. 23:27 - An analogy: Cost vs. value of financial decisions. 24:37 - Encouragement to seek diverse financial education.   Links and Resources sagewealthstrategy.com The 8 Benefits Part 1 - https://youtu.be/ld1M73GAURY The 8 Benefits Part 2 - https://youtu.be/u7AVa-4SdAc  

Wade sits down with Dallas-based advisor Brent White to unpack why most financial advice fails business owners—and what a team-based, "family office" approach can do instead. From Infinite Banking and cash-flow efficiency to avoiding siloed planning (hello, audits and missing 401(k) bonds), Wade and Brent share real-world tactics to build resilient companies, create liquidity, and make the same dollar do multiple jobs—with an abundance mindset and a servant's heart. Tune in to hear how thinking differently about your business—and surrounding yourself with the right team—can help you build lasting wealth, reduce risk, and keep your money in motion for generations to come.   Episode Highlights 02:15 - Rethinking the banking system. 06:40 - Financial awakening through experience. 11:25 - The "Mount Everest" approach to business. 16:50 - Efficiency over growth. 22:10 - The danger of doing business "like everyone else". 27:30 - Money in motion creates wealth. 32:05 - The power of team specialization. 41:10 - It's not about debt—it's about strategy. 45:20 - Education is empowerment   Episode Resources:  sagewealthstrategy.com https://www.sagewealthstrategy.com/planning-beyond-retirement-with-kent-kraiter/  Connect with Brent White bossfinancialgrp.com [email protected]

Today, Wade sits down with returning guest and former military member Kent Kraiter to discuss the realities of retirement planning for those who serve. Drawing from his own military career and master's research on retirement strategies in the U.S., Kent shares insights on how service members can better prepare for their financial future—long before retirement hits. Together, they unpack the complexities of military and federal benefits, survivor plans, and how to take control through education and alternative strategies like properly structured whole life insurance. Whether you're two years or ten years away from retirement, this episode will help you think differently about how to protect your family, maximize your benefits, and take ownership of your financial future.   Episode Highlights 00:54 - Military retirement strategies: Serving those who serve. 02:00 - Common misconceptions about retirement planning. 03:03 - Transition assistance programs in the military. 05:00 - Key factors in military retirement decisions. 06:50 - Survivor Benefit Plan (SBP) overview and cost. 09:50 - Survivor Benefit Plan: Impact on surviving spouse. 11:30 - Comparing SBP with private insurance options. 14:30 - Importance of planning and control over benefits. 15:59 - Break-even point for whole life policy vs. SBP.   Episode Resources:  sagewealthstrategy.com https://www.sagewealthstrategy.com/planning-beyond-retirement-with-kent-kraiter/  Connect with Kent Kraiter [email protected] 

In this episode of The Wade Borth Podcast, we rethink what retirement should really look like. Wade digs into the common "save, save, save" approach with 401(k)s and why accumulation alone is not enough. He explores the importance of a clear distribution plan, how fear of running out of money holds retirees back, and strategies to create guaranteed, reliable income for life. If you want to retire with confidence — not scarcity — and enjoy the freedom you've worked so hard for, this conversation is for you. Episode Highlights 00:18 - Challenging Conventional 401k Thinking 03:58 - The Importance of Distribution Planning 06:45 - Retirement Fears: Running Out of Money vs. Death 09:25 - Exploring Higher Distribution Rates 10:01 - Guarantees in Retirement Planning 12:15 - Stages of Retirement Spending 14:20 - The Value of Lifetime Income 15:48 - Planning for Legacy and Education 17:29 - Intentionality in Retirement Planning 20:31 -Abundant Living vs. Scarcity Mindset in Retirement 21:56 - Ensuring Retirement Certainty and Abundance   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected] https://factumwebinar.com/replay   

In this episode of the Wade Borth Podcast, Wade explores why so many families lose their wealth within just a few generations and what can be done to stop the cycle. Using real-life examples from farming families and well-known legacies like the Vanderbilts and Rockefellers, Wade dives into the critical role of education, communication, and intentional planning in preserving generational wealth. He highlights the importance of family banking, setting standards for stewardship, and creating systems that help future generations understand, respect, and grow the legacy they inherit. Episode Highlights 01:01 - Education over money for generational success. 01:15 - The Vanderbilt wealth decline. 01:48 - Rockefeller vs. Vanderbilt comparison. 02:33 - Importance of education in farming families. 03:23 - Third generation observation gap. 04:18 - Educating future generations. 05:39 - Educated stewardship vs. poor stewardship. 06:41 - Passing knowledge and understanding. 07:36 - Family banking business concept. 08:04 - Success indicators beyond money. 09:03 - Intentional planning and legacy systems. 10:02 - Building a family financial education system.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]

In this heartfelt episode of the Wade Borth Podcast, Wade shares why life insurance is one of the most powerful and misunderstood financial tools available. Drawing on 35 years of experience—and his own personal story—he explains how life insurance provides guaranteed liquidity, removes financial pressure during life's most difficult moments, and allows families and businesses to move forward with certainty. Wade discusses why he believes life insurance is ultimately a contract of love, how it protects your legacy, and why education and planning are key to making sure your family is financially secure when it matters most.   Episode Highlights 00:34 - Life insurance and mortality. 01:09 - Value of life insurance. 02:00 - Companies' approach at death. 03:10 - Providing liquidity at death. 03:51 - Financial relief during grief. 05:50 - Stability through life insurance. 06:10 - Life insurance industry funding. 07:10 - The mutual company advantage. 08:55 - Life insurance as managed assets. 10:00 - Planning for unpredictable events. 11:55 - Personal experience: Father's death. 12:53 - Importance of proper planning. 13:43 - Impact of insufficient coverage. 15:23 - Importance of discussing needs.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of the Wade Borth Podcast, Wade welcomes Michael Hession, fellow Nelson IBC practitioner, to share his personal journey into Infinite Banking. From running a marine canvas shop to experiencing the financial crash of 2008, Michael's story highlights the importance of building a strong foundation and controlling the banking function in your life. Together, Wade and Michael explore how Infinite Banking creates peace of mind, financial resilience, and the ability to turn debt into wealth for generations.   Episode Highlights [03:54] Understanding the significance of Infinite Banking Concept (IBC).   [07:23] Michael's early career and business journey.   [10:31] The impact of the 2008 financial crisis on Michael's finances.   [12:44] Transitioning to financial services post-bankruptcy.   [15:37] Discovering IBC and leaving the traditional financial industry.   [19:14] Empowering people through financial education and IBC.   [22:49] Importance of building financial foundations and saving habits.   [25:09] The misconception around rates of return versus peace of mind.   [30:39] The legacy potential of family banking systems.   [36:56] Liquidity and life insurance in business continuity.   [42:15] Discussion on the purpose and value of whole life insurance.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of the Wade Borth Podcast, Wade sits down with Joe Fuller to discuss family banking and its transformative power on financial habits. Joe shares his journey from aspiring neurosurgeon to a financial strategist after realizing the importance of managing money within families. Learn how intentional money conversations can unite families and create wealth for generations. Joe emphasizes the concept of building a legacy and offers insights into the practicalities of setting up a family bank, showcasing his family's experiences. This episode is a must-listen for anyone interested in financial independence and family unity.   Episode Highlights 05:34 - Building family banking for a lasting legacy. 11:01 - Shifting mindset towards family financial unity. 21:27 - Importance of long-term habits for financial success. 31:10 - The power of saying no to align with purpose. 38:24 - Leveraging whole life insurance for generational wealth. 46:18 - The role of interdependence in family wealth. 54:36 - How family banking redefines retirement. 01:07:40 - Teaching financial literacy across generations. 01:23:19 - Building intergenerational wealth through family banking.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

Joining Wade today all the way from Hawaii is fellow agent Clarke Tuitele where they have a conversation that blends real-life preparedness with financial readiness. After recounting a recent tsunami warning and the chaos that followed, Clarke draws powerful parallels between disaster preparedness and taking control of your money. He shares his personal story—raising six children on a teacher's salary, living intentionally, and embracing the Infinite Banking Concept to create a lasting legacy. From building "financial 72-hour kits" to teaching future generations the value of stewardship, Wade and Clarke explore how awareness, education, and discipline can transform both your finances and your family's future.   Episode Highlights 02:59 - Preparedness for natural disasters. 04:12 - Financial preparedness parallels. 06:51 - Infinite banking philosophy. 09:16 - Clarke's financial philosophy journey. 12:38 - Intentional financial decisions. 14:24 - Legacy and financial wisdom. 16:43 - Long-term generational thinking. 18:50 - Financial independence education. 21:12 - Real-life impact of tsunami. 25:00 - Metaphor: TSA Pre-Check and financial planning. 28:43 - Financial awareness education. 31:19 - The story of waiting for the perfect wave.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected] Connect with Clarke Tuitele [email protected]   

In this final installment of the Tough Money Mastery series, Wade Borth and returning guest David Zapata wrap up their discussion on building financial abundance and purpose. They explore the deeper "why" behind Infinite Banking, challenge traditional retirement and accumulation mindsets, and share practical ways to align your finances with every area of life. From the myths of qualified plans to the importance of liquidity, investing in yourself, and creating interdependence between money and purpose—this conversation offers a fresh, actionable perspective on taking control of your financial future.   Episode Highlights 01:00 - Infinite Banking: Beyond Basics. 02:20 - Tough Money Mastery overview. 03:50 - Common financial misconceptions. 06:15 - The importance of financial literacy. 07:45 - The myth of financial accumulation. 11:01 - Individualized financial advice. 14:30 - Risks of traditional financial planning. 17:05 - How accumulation affects retirement. 20:40 - The origin of retirement age. 23:45 - Role of liquidity in financial security. 25:10 - Changing thoughts on retirement. 28:55 - Issues with qualified plans. 31:30 - Evaluating financial investments. 34:20 - Perception of financial freedom. 37:55 - Role of government in financial planning. 41:40 - Questions about qualified plans. 46:20 - Real costs of college education. 49:25 - Long-term financial impacts of education. 01:06:22 - The need for liquidity in financial health.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected] Connect with David Zapata [email protected]

In this continuation of the Tough Money Mastery series, Wade Borth welcomes back David Zapata to explore how to take control of your financial life through strategic leverage and intentional money flow. They discuss four more of the twelve key ideas for mastering tough money—including how to supercharge investments, maximize lending returns, integrate banking functions into your business, and protect your most valuable asset: your people. If you are ready to stop working harder and start having your money work smarter, this episode is for you.   Episode Highlights 03:40 - Importance of Protection in Financial Planning 05:55 - Framework for Accumulating $50 Million Net Worth 12:45 - The Impact of Small Changes Over Time 15:00 - Relationship with Money: Concept of Tough Money 21:00 - Supercharging Investments with Tough Money Principles 26:30 - Maximizing Returns in the Lending Business 34:05 - Importance of Financial Flow and Savings 39:20 - The Role of Human Capital in Business Success 45:40 - Key-Man Insurance and Protecting Business Interests 50:30 - Business Continuity and Risk Management 54:00 - Financial Board of Directors: Who Has Control?   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected] Connect with David Zapata [email protected] 

In this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether you're leading a family, building a business, or simply want to get smarter with your money, this episode lays the groundwork for financial clarity, intergenerational wealth, and creating a system that supports long-term abundance.   Episode Highlights 01:08 - Impact of family financial principles. 02:59 - The flow of money. 05:45 - Importance of financial education. 07:00 - Becoming the author of your financial plan. 09:13 - Individual vision for financial outcomes. 09:53 - Leadership in family finances. 10:28 - Four main discussion topics for the episode. 11:30 - Building a family banking system. 12:44 - Keeping a million dollars in control for vehicle financing. 13:50 - Sourcing debt as a family. 14:44 - Charitable donations for family legacy. 16:10 - Empowerment through education. 17:07 - Proper sequence in financial decisions. 18:28 - Role of whole life insurance in financial planning. 19:35 - Importance of interdependence in family finances. 22:36 - Family banking business in practice. 26:34 - Rules for family financial operations. 28:36 - Vehicle financing strategies for families. 31:52 - Opportunity cost in financial decisions. 34:50 - Flexibility and control in financing within a family. 37:16 - Legacy giving through life insurance benefits. 45:11 - Preparing children for financial independence. 47:07 - Flexibility of loan provisions in family banking.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected] Connect with David Zapata [email protected]  

In this episode of the Wade Borth Podcast, Wade reflects on how his approach to working with clients has evolved with greater intentionality and purpose. He shares the three-step framework that drives every client relationship: awareness, education, and action. Rather than jumping straight to products or solutions, Wade emphasizes the importance of understanding your unique goals, values, and what's keeping you up at night. From there, education becomes the tool to empower you—not to rely on someone else, but to confidently take control of your financial future. If you're looking for more than just advice, and want a process built around your needs—not a one-size-fits-all solution—this episode is for you.   Episode Highlights 01:06 - Intentionality in Business. 01:17 - The Go-Giver: Adding Value. 01:45 - Financial Awareness: Key to Change. 02:53 - Empowerment Through Education. 04:16 - Importance of Self-Empowerment.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

Today on the Wade Borth Podcast, Wade challenges the traditional view of retirement and encourages listeners to rethink what it truly means. Whether you see retirement as retooling, relaxing, or chasing new adventures, one thing remains the same—your financial strategy should reflect your values, not someone else's template. Wade explores why relying solely on market-based income can create unnecessary fear and scarcity, and how guaranteed income solutions like annuities can offer peace of mind and stability. If you're approaching retirement or simply thinking about your future, this episode will help you align your money decisions with the life you actually want to live.   Episode Highlights 00:24 - Clarity on Retirement Definitions 02:06 - Traditional Retirement vs. Retooling 03:03 - Living Off Market Interest: Risks 05:04 - Certainty and Fear in Retirement 07:10 - Income vs. Asset-based Retirement 09:07 - The Role of Private Pensions 10:56 - Cookie Cutter Approach to Retirement Strategy 11:59 - Aligning Actions with Values 12:31 - Uncertainty and Future Conversations with Self   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of the Wade Borth Podcast, Wade addresses a common and important question: How safe are life insurance companies? Drawing from conversations with industry leaders and over 35 years of experience, Wade explains why mutually owned life insurance companies are some of the most stable financial institutions in the world. He breaks down how they operate differently from Wall Street-driven firms, why long-term thinking matters, and how these companies prepare for both the expected and the unexpected. Whether you're new to Infinite Banking or questioning the long-term security of your policy, this episode will offer clarity, context, and confidence.   Episode Highlights 00:32 - Life insurance companies as a safe financial institution. 01:16 - The value of life insurers providing capital. 02:31 - Mutual vs. stock-owned insurance companies. 03:59 - Institutional-level investment in whole life policies. 06:39 - Managing for certainty and risk. 08:53 - Historical resilience of insurers: Lloyds of London. 10:09 - Insurance companies and major global events. 11:00 - Insurers keeping an eye on long-term stability. 12:15 - Understanding what stays the same in business strategy.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of the Wade Borth Podcast, Wade dives deeper into the often-misunderstood concept of Infinite Banking. Instead of overwhelming listeners with financial jargon, he reframes the conversation using a more approachable framework: the Four Stages of Whole Life Insurance. From becoming a disciplined saver to evolving into a true Infinite Banker, Wade explains how each stage builds more control, clarity, and confidence in your financial journey. Whether you're just getting started or looking to expand your financial ecosystem, this episode offers clarity, encouragement, and a practical path forward.   Episode Highlights 01:30 - The Four Stages of Whole Life Insurance 02:12 - Infinite Banking: A Small Subset's Journey 02:32 - Becoming: Essential Part of Financial Control 03:39 - Importance of Savings Strategy 05:06 - Whole Life Insurance Benefits 06:02 - Misclassification of Financial Assets 06:20 - Debt Control vs. Debt Control Over You 07:04 - Wealth Building Strategy 08:09 - Difference Between Chaos and Opportunity 14:32 - Understanding Life Insurance Contracts 14:59 - Small Shifts, Lasting Change   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of The Wade Borth Podcast, Wade wraps up his deep dive into the eight key benefits of whole life insurance. Building on Part 1, he explores how privacy, tax-free death benefits, guaranteed monthly cash value growth, and income statement improvements make this asset a powerful tool for long-term financial confidence. If you've ever viewed premiums as a burden, this conversation may flip the script—showing how whole life insurance aligns with your values and financial goals to serve you for life.   Episode Highlights 01:45 - Understanding the multiple benefits of whole life insurance. 02:19 - Keeping money in your own financial ecosystem. 03:47 - Liquidity in times of financial stress. 05:38 - Privacy of whole life insurance contracts. 07:40 - Income tax-free death benefits. 10:48 - Guaranteed growth of cash value. 12:00 - Importance of starting early with whole life policies. 14:13 - Whole life insurance as part of a diversified financial strategy.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of The Wade Borth Podcast, Wade kicks off a two-part series diving deep into the eight powerful benefits of whole life insurance. From guaranteed death benefits and constant compounding to unmatched liquidity and flexible loan provisions, Wade breaks down how this often-misunderstood asset can bring certainty, control, and long-term value to your financial life. If you've ever questioned the real purpose of whole life insurance—or just want to think differently about money—this episode is for you   Episode Highlights 03:12 - Life insurance: guarantees and certainty 06:04 - The "liquidity contract" concept explained 08:23 - The advantage of constant cash value increase 11:18 - Understanding bank strategies: savers vs. borrowers 14:07 - Power of liquidity in whole life insurance 16:54 - The flexible loan provisions benefit 19:00 - Importance of treating your own money well   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]  

In this episode of The Wade Borth Podcast, Wade tackles the common misconceptions surrounding whole life insurance—addressing why so many people claim it has a low return, is too expensive, or is the "worst investment of all time." He explains why these beliefs are often rooted in misinformation or biased experiences, and reframes whole life as a savings tool, not an investment. If you're seeking clarity, consistency, and long-term financial control, this conversation offers a fresh, honest perspective that cuts through the noise.   Episode Highlights 00:22 - Whole life insurance myths. 01:04 - Common criticism: Low return. 02:11 - Opinion formation: Experience vs. Learning. 03:12 - Whole life as a tool. 04:55 - Misconceptions on whole life returns. 05:50 - Savings vs. investments comparison. 07:38 - Benefits of a consistent savings environment. 08:57 - Whole life providing financial certainty. 09:17 - Misunderstanding whole life as investment. 11:44 - Contextualizing costs and value. 13:12 - Value perspective on expenses.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/  [email protected]

In this episode, Wade breaks down a clear, straightforward process that's helping clients rethink how they manage money. From understanding income flow to building savings and making better financial decisions, this conversation reveals why the right sequence matters—and how whole life insurance can play a foundational role. Whether you're just getting started or looking to regain control, this episode lays the groundwork for building clarity, confidence, and long-term stability. Episode Highlights 01:00 - Understanding the Flow of Money 01:35 - Simplifying Financial Decisions with Gary Keller 02:51 - Wealthy Decision-Making Processes 04:15 - Impact of Lack of Liquidity on Businesses 05:58 - Importance of Savings Strategy 08:34 - Proper Sequencing for Financial Management 10:45 - Liquidity and Financial Pressure 11:19 - Long-term Impact of Defined Benefit Strategy Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] 

In this episode of the Wade Borth Podcast, Wade dives into the power of mutual insurance companies and why ownership matters. He breaks down common misconceptions about life insurance, highlights the difference between mutual and stock companies, and explains how clarity, certainty, and long-term thinking can relieve financial pressure. If you are seeking more control, freedom, and security in your financial life, this conversation is for you. Episode Highlights 00:21 - Clarifying financial misconceptions. 01:29 - Empowering people through mutual insurance. 02:29 - Why mutual insurance companies benefit policyholders. 03:45 - Historical roots of mutual insurance companies. 04:48 - Difference between mutual and stock insurance companies. 07:10 - Long-term focus of mutual companies vs. short-term of stock. 09:41 - Certainty and exit strategy with whole life insurance. 11:01 - Venture capital influence on stock insurers. 12:10 - Dividends vs. Wall Street-driven interests. 13:52 - Importance of understanding your insurance products. 14:46 - Encouragement for thoughtful financial discussions.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] 

In this episode, Wade unpacks what the recent stock market downturn—and how Warren Buffett's surprising moves—can teach us about how the wealthy think. As the market sees sharp declines and uncertainty rises, Wade reminds us that true opportunity lies in preparation, not prediction. It's not about chasing returns—it's about having savings in safe, liquid places so you can act when others hesitate. This episode is a powerful mindset shift for anyone looking to gain clarity, control, and a long-term advantage in turbulent times. Episode Highlights 01:22 - Observing Buffett's strategic moves. 03:39 - Market turbulence and investor sentiment. 05:57 - Buffett's selling strategy explained. 06:52 - The underestimated value of liquidity. 08:51 - Difference between saving and investing. 09:52 - Strategic patience and investment timing. 10:47 - The power of financial discipline. 12:01 - Thinking like wealthy individuals. 13:04 - Importance of readiness for opportunity.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] 

In this episode of the Wade Borth Podcast, Wade sits down with Kent Kraiter—a long-time client, friend, and newly minted colleague. With over 30 years of military service and a deep curiosity for financial education, Kent shares his personal journey from soldier to servant-leader in the world of personal finance. They dive into life transitions, financial empowerment, the importance of planning beyond retirement, and how curiosity and clarity can pave the way to a more abundant future. If you're navigating change or searching for a deeper sense of purpose, Kent's story will resonate. Episode Highlights 02:00 - Kent's Military Background. 04:09 - Discovering the Air National Guard. 06:59 - Introduction to Financial Independence. 10:36 - Curiosity and Lifelong Learning. 17:23 - Embracing Change Post-Military Life. 25:00 - The Whisper of Financial Pathways. 35:05 - The Importance of Looking Beyond Retirement. 39:30 - Serving Through Financial Education. 46:45 - Planning for Life After Retirement. 52:40 - Empowering Through Conversations. . Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] Connect with Kent Kraiter https://www.linkedin.com/in/kent-kraiter/  

In this episode, Wade Borth sits down with former police officer turned IBC advocate Brian Fleming. Brian shares his journey from 25 years in law enforcement to discovering the Infinite Banking Concept and returning to the financial world with a mission to serve. Together, they explore how control, financial education, and a properly structured whole life policy can transform lives—especially for those in high-risk professions like law enforcement and for real estate investors seeking smarter ways to fund their ventures. It's a powerful conversation about truth, stewardship, and taking ownership of your financial future. Episode Highlights 05:55 - Transition from law enforcement to insurance 06:59 - Infinite banking discovery through real estate 10:17 - Misconceptions about life insurance 13:48 - Importance of understanding financial truths 16:44 - Application of infinite banking in real estate 19:27 - Success story of shifting to hard money lending 21:33 - Saving a project with life insurance liquidity 25:14 - Importance of continuous financial education . Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] Connect with Brian Fleming https://www.factumfinancial.com/the-team/  

In this episode of the Wade Borth Podcast, Wade sits down with Joshua Smith, a former real estate investor turned financial strategist. Josh shares his journey through the 2008 financial crisis, the lessons he learned about debt, liquidity, and financial control, and how he transitioned from traditional financial advice to Infinite Banking. They discuss the pivotal moments that reshaped his mindset, the benefits of whole life insurance as a financial tool, and how he now helps others take control of their financial future. Tune in for a deep dive into financial resilience, long-term wealth strategies, and the power of financial education. Episode Highlights 22:32 - Job loss: financial safety net. 24:31 - Family legacy. 25:25 - The importance of financial education. 31:36 - Opportunities from having liquidity. 37:00 - Saving vs. investing distinction. . Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] Connect with Joshua Smith https://www.linkedin.com/in/gogiversolutions/ 

In the final installment of the Tough Money series, Wade Borth and David Zapata conclude their deep dive into building a resilient financial strategy. This episode focuses on aligning your investments with your values, understanding risk, and achieving financial freedom through intentional planning. Learn how liquidity serves as the foundation for managing risk and explore the critical balance between savings and investments. Wade and David also discuss strategies for setting freedom numbers, navigating risk, and creating a framework for long-term financial health. Don't miss this powerful conversation that ties together the principles of the Tough Money curriculum. Episode Highlights 08:03 - Snorkel vs. deep dive into financial awareness. 10:53 - Income strategy: Cash flow vs. accumulation. 18:08 - Classifying investments: Short-term, mid-term, and forever. 21:14 - Risk, returns, and noise in asset management. 24:27 - Conversation on defining and managing risk. 30:10 - Liquidity as a hedge against risk. 32:14 - Importance of a balanced financial portfolio. 35:10 - Flexible curriculum for financial education.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] Connect with David Zapata https://www.linkedin.com/in/bydavidazapata/  

In part three of the Tough Money series, Wade Borth and guest David Zapata explore the vital role of liquidity in building financial resilience. They discuss why having liquid, safe assets is foundational to weathering life's challenges and seizing opportunities. From understanding what truly counts as liquidity to calculating your "days of liquidity," this episode offers practical insights to align your finances with your values and create a robust financial foundation. Don't miss this crucial conversation, and stay tuned for part four, where they'll dive into investments and their relationship with liquidity! Episode Highlights 04:10 - The vital role of liquidity. 05:06 - Foundation is key to financial health. 07:20 - Smart Money's focus on reserves. 10:49 - Liquidity vs. perceived liquidity. 13:44 - Days of liquidity: a vital metric. 17:18 - Evaluating your savings environment. 21:08 - Tough money and antifragility. 23:00 - Smart money's approach to liquidity. 25:36 - Balance between cash and investments.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] Connect with David Zapata https://www.linkedin.com/in/bydavidazapata/  

In part two of the Tough Money series on the Wade Borth Podcast, Wade and guest David Zapata continue their exploration of building financial resilience by diving into debt strategies. They discuss how to evaluate your relationship with debt, classify it effectively, and make intentional decisions aligned with your values and goals. This episode provides practical insights for creating a thoughtful financial framework, whether you're managing personal or business finances. Don't miss this engaging conversation, and stay tuned for part three, where they'll explore liquidity and investments! Episode Highlights 01:06 - Relationship and exercise analogy with money. 01:35 - Luck or strategic financial decisions. 03:32 - Change as a constant factor in financial management. 06:06 - Rethinking debt and financial education nuances. 08:03 - Understanding debt-to-income ratio (DTI). 10:02 - The importance of aligning spending with values. 12:57 - High-income earners and lifestyle financing challenges. 19:26 - Hierarchy and strategic use of debt. 23:33 - Becoming your financial auditor for better management. Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] Connect with David Zapata https://www.linkedin.com/in/bydavidazapata/ 

In this episode of the Wade Borth Podcast, Wade is joined by frequent guest and colleague David Zapata of Factum Financial to delve into the concept of "Tough Money." They explore the importance of building a stronger, more resilient relationship with your finances by addressing foundational habits, improving financial awareness, and preparing for life's unexpected events. David shares insights from the Tough Money Workbook, breaking down actionable strategies to help you take control of your financial future. Tune in for practical advice and thought-provoking discussion, and stay tuned for part two, where they'll tackle debt strategies. Episode Highlights 05:16 - One plus one equals 11 philosophy. 07:46 - Lack of close relationships with money. 09:13 - Concept of "anti-fragility." 12:44 - Events that impact money management. 14:41 - Financial pressure as strength. 17:50 - Financial management and tough money. 19:57 - Exercise to track income and expenses. 21:47 - Importance of savings rate.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected] 

In this episode of The Wade Borth Podcast, Wade tackles a common question: "Should I take a life insurance policy out on my child?" Wade dives deep into the Infinite Banking Concept (IBC), explaining the benefits of starting policies early, teaching financial stewardship, and ensuring guaranteed insurability. He also addresses misconceptions, explores the importance of a family banking system, and shares insights on maintaining control of policies. Whether you're new to IBC or a seasoned listener, this episode is packed with valuable insights for building generational wealth. Tune in, learn, and take the first step toward financial freedom. Episode Highlights 01:39 - Should I take a policy out on my child? 03:37 - Teaching financial habits through child policies. 06:06 - Grieving a child's loss: the financial impact. 09:04 - Insuring children for guaranteed insurability. 11:31 - Family banking system and life insurance. 15:04 - Children learning through policy ownership. 18:51 - Retaining policy ownership within the family. 25:17 - Planning for the next generation's financial freedom.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ [email protected]