Wealth On Main Street
by Richard Canfield & Jayson Lowe
A North American Podcast show focused on helping Canadian & USA families and business owners create dependable wealth using the process of #becomingYourOwnBanker, known as The #InfiniteBankingConcept, with a combination of expert interviews and discussions surrounding business, wealth and cashflow strategies to optimize your financial life. The hosts, Jayson Lowe and Richard Canfield, place a focus on the foundation for economic success using the powerful Infinite Banking Concept created by the late R. Nelson Nash.
Episodes
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345: Policy Loans Explained | 5 IBC Questions Worth Asking
Explore five IBC questions with Mike Smela and Richard Canfield, covering policy loans, funding limits, dividends, marketing and tax considerations.
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344: Why Real Estate Investors Need Liquidity
Building a successful real estate portfolio requires more than finding profitable properties. It also requires maintaining access to capital when circumstances change. For real estate investors, liquidity is the ability to access money when needed without being forced to sell investments or rely...
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343: How a Life Insurance Policy Loan Helped After a Medical Emergency
Listen on Spotify Additionally, this post shares one Canadian client’s experience for education. However, this is not insurance, financial, legal, or tax advice. Rules and timing vary by insurer, province, and country. Some personal details are left out on purpose; the full episode includes more,...
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342: Cash Balance Plan vs 401(k), How the Deduction Works for Business Owners
If you own a profitable business, your retirement plan often targets employees, not owners. In Part 2 of our series, Rohit Punyani, co-founder and Chief Solutions Officer of The Owner’s Asset, sits with Jayson Lowe. They explain how a cash balance plan vs 401(k) works and why it behaves...
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341: How Business Owners Turn Tax Planning Into an Asset?
Most financial conversations with business owners start the same way: “How much did you make?” Rohit Punyani, Co-Founder & Chief Solutions Officer of The Owner’s Asset, a pension specialist and former Chief Investment Officer, joins Jayson Lowe and Richard Canfield to go a lot deeper than that....
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340: Is a DRIP Portfolio Worthwhile With Infinite Banking?
Is Infinite Banking Actually an Investment? In short, Infinite Banking is a capitalization tool, not an investment. Additionally, it builds liquidity. Investment, including a DRIP Investment with Infinite Banking portfolio, is what you do with that liquidity once it’s available. Is a DRIP…
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339: Is Infinite Banking an Investment?
“An investment should only be in something that you know a great deal about. Everything else, I repeat, everything else, is speculation.” That’s Nelson Nash‘s line, and it’s blunter than most people want to hear about their own portfolio. In a recent Wealth on Main Street episode, Kurt Berry…
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338: How Much Life Insurance Do I Actually Need?
It’s one of the most common questions people type into Google, ask ChatGPT, and search on YouTube. Richard Canfield breaks down the concept that insurance companies actually use to answer it: human life value. What is human life value? According to Richard, it’s “the economic value associated…
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337: Am I Too Old for Life Insurance?
No, the majority of people who start whole life insurance or Infinite Banking are between 45 and 65 years old. “I’m in my 50s. I’m in my 60s. Isn’t this going to be too expensive?” It’s one of the most common questions Neil Dietrich, Lead Advisor at Ascendant Financial, hears from clients and in...
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336: Financial Planning After Loss | Jeff Treleaven's Story
Money is never just about money. It’s about the people we love and the future we’re all trying to protect, especially in the moments we never see coming. In this episode of Wealth on Main Street, we sit down with Jeff Treleaven, a teammate at Ascendant Financial, for a conversation that goes far...
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335: Infinite Banking for Business Owners - A Real Example
Karyn Kokeny, 10X business coach, discussing Infinite Banking for business owners on Wealth on Main Street
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334: Nelson Nash's Foundation Lesson in Infinite Banking
How long do you suppose a skyscraper would stand on a weak foundation? That’s the question Nelson Nash, the founder of the Infinite Banking Concept, asked Jayson Lowe the first time they spoke at a conference. Decades later, it’s still the question that separates people who actually understand...
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333: Farming Is One of the Most Capital-Intensive Businesses
When people picture farming, they picture open fields, tractors, and sunsets. What they don’t picture is one of the most capital-intensive businesses on the planet, millions of dollars tied up in land, equipment that can cost as much as a family home, and banks that “somehow always seem to know...
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332: How Does Infinite Banking Actually Work? A Client-Turned-Advisor Explains
Reading time: 2 minutes Before John Saintloth ever taught the Infinite Banking Concept, he lived it. Before he became an advisor at Ascendant Financial, he was a client. Before either of those things, he was a 14-year-old boy reuniting with his mother in Canada five years after she had to flee...
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331: How Does Key Person Insurance Work? A Complete Guide for Business Owners
Ever feel like your business is one precarious Monday away from chaos? You’re not alone. Most entrepreneurs spend more time worrying about printer jams and coffee shortages than life’s big curveballs, like, you know, unexpectedly losing the one person who holds the whole operation together (hint:...
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330: How to Build a Career as an Infinite Banking Advisor in Canada | Ashley Doyle's Story
Ashley Doyle trained soldiers in Afghanistan. Real pressure. Not "my Zoom froze" kind of pressure. Today he helps Canadian families build generational wealth through the Infinite Banking Concept. This episode is about leadership. Service. Purpose. And what happens when you stop feeling like a…
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329: Josh Bought IULs for Infinite Banking, Here’s What Happened
The short answer is no. The longer answer requires understanding why, because the question is being asked more than ever, and the misinformation circulating on social media around this topic is causing real financial harm to real people. Right now, social media is full of content promoting…
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328: The Truth About Whole Life Insurance Past Age 100
It is one of the most common questions people ask when they first explore the Infinite Banking Concept, and one of the least talked about in mainstream financial planning. What happens to your dividend-paying whole life insurance policy if you actually live to age 100? Or past it? The short…
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327: Why Entrepreneurs Lose Money to Banks
The Problem Nobody Talks About in Entrepreneurship What Is the Infinite Banking Concept? (And Why Entrepreneurs Are Asking About It) "I Didn't Know What to Call It, But I Knew Something Else Existed" The Real Reasons People Hesitate and What's Actually Going On What Tara Actually Used IBC For…
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326: Why Entrepreneurs Struggle With Cash Flow and How to Fix It
Many entrepreneurs are good at making money. The harder part is keeping control of it. In this episode of Wealth on Main Street, Ravi Kainth shares a powerful insight from more than 25 years of building businesses across different parts of the world, including Hong Kong and Canada: most business...
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324: What You Need to Know About Infinite Banking| FAQ
Q1: Am I Too Old to Start? Q2: Is It Too Late for Me? Q3: Does Age Matter? Q4: What If I'm Uninsurable? Q5: When Should I Start? Q6: How Do Policy Loans Work? Q7: How Do You Pay Back Policy Loans? Q8: What Does It Mean to Be Well Diversified in Lives Insured? The Two Rules Worth Memorizing Q1: Am…
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326: Why Entrepreneurs Lose Control of Money (Canada)
Reading time: 5 minutes. Episode reference: Wealth on Main Street, Episode 326 featuring “Ravinder Kainth.” Why Do So Many Successful Entrepreneurs Feel Financially Stuck? You built the business. The revenue is coming in. On the surface, everything looks like it's working. But the money keeps...
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325: How Infinite Banking Really Works | Your Top Questions Answered
Q1: What Interest Rate Is Charged on Policy Loans? Q2: What Happens If You Don't Repay a Policy Loan? Q3: What Is the Difference Between Whole Life and Universal Life? Q4: Is the Death Benefit Tax-Free? Q5: Are Dividends Taxable? Is a Dividend Considered Income? Q6: Why Isn't Everyone Doing This?...
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323: How to Escape the $200K Job Trap With IBC
The Allure of the 'Dream Job' And Its Hidden Costs The Unseen Side of Success: A Quest for Impact The Serendipitous Introduction to Infinite Banking The Pivot Point: From Personal Application to Professional Mission Rethinking Financial Responsibility: The Power of Ownership The New Game:...
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322: How Corporate Infinite Banking Can Destroy a Family’s Wealth Plan
Many Canadian business owners hear the same message online. Use corporate Infinite Banking strategies, borrow against whole life insurance, and access money tax-free forever. It sounds simple. In some cases, it can work very well. However, many people do not understand the risks behind these...
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321: How Rich Families Leave Tax-Free Wealth Behind
In a financial landscape often dominated by fleeting trends and complex strategies, there emerges a powerful alternative: Infinite Banking. Far from a mere financial product, it’s a philosophy, a way of life that empowers individuals and families to become their own bankers, fostering not just...
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320: The Truth About the 1988 IRS Whole Life Crackdown
March 25th, 1988 marked a pivotal moment for the entire life insurance industry. On this day, 38 years ago, a single, audacious newspaper advertisement in the Wall Street Journal triggered congressional hearings, placing whole life insurance under an intense microscope. What could cause such a...
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319: The Hidden Truths of Money, Interest Rates, and Your “Perfect” Investment
Are we perpetually caught in a cycle of boom and bust? For decades, experts like Carlos Lera and Robert Murphy have illuminated the opaque processes of money creation and interest rate manipulation, arguing that they fundamentally mislead both economies and individual investors. Fast forward to...
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317: How to Build Financial Control Using Infinite Banking
Life is full of unexpected twists and turns. From unforeseen expenses to dramatic income shifts, navigating financial uncertainty is a universal challenge. Imagine earning income, receiving it, and then years later, having a significant portion clawed back. Or facing a sudden, massive expense…
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316: Discover Infinite Banking Through One Powerful Story
Life often throws unexpected curveballs, prompting us to re-evaluate our paths. For Darcy Densmore, a seasoned professional with 35 years in the demanding oil field, a family health crisis became the catalyst for a profound career and financial transformation. His journey from drilling holes in…
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316: Discover Infinite Banking Through One Powerful Story
Life often throws unexpected curveballs, prompting us to re-evaluate our paths. For Darcy Densmore, a seasoned professional with 35 years in the demanding oil field, a family health crisis became the catalyst for a profound career and financial transformation. His journey from drilling holes in…
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315:How Infinite Banking Transforms Charitable Giving for Nonprofits
Discover how Paul Eikeland, a former pastor, applies the Infinite Banking Concept (IBC) to optimize charitable giving and leave a lasting legacy for families and nonprofits. In a world where financial strategies often focus solely on personal gain, the idea of integrating personal finance with...
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314: Alan Blecker Reveals Why the System Keeps You Broke and How to Take Back Control
People often believe what they’re told by those with credentials, but what if those trusted voices aren’t always looking out for your best interests? Alan Blecker, a seasoned financial expert with over five decades around Wall Street, offers a sobering perspective on the financial landscape.…
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313: How to Master Your Money Using Infinite Banking With Martin Vuksinic
In a world often dictated by traditional financial systems, the concept of Infinite Banking offers a refreshing and powerful alternative. Martin Vuksinic, a seasoned entrepreneur and advocate for financial autonomy, shares his transformative journey and insights into mastering one’s own money…
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312: The Costly Mistake Entrepreneurs Make That Kills Profit
Many entrepreneurs work harder than anyone they know, yet still struggle to consistently pay themselves. If that sounds familiar, it might be time to rethink how money flows through your business. In this episode of the Wealth On Main Street Podcast, we sit down with Lisa Campbell, President of...
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311: Why Business Owners Need an Exit Plan Now
For many business owners, the thought of exiting their enterprise looms in the distant future. Yet, as Certified Exit Planner and business coach Pete Mohr expertly illustrates, preparation is not a luxury but a necessity, often taking years. Without proper planning, owners risk selling under...
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310: Is Your Business a Trap? How to Scale Absence and Reclaim Your Freedom
The Hidden Danger of “Hard Work” for Business Owners You started this business for freedom, to build something meaningful, and to gain total control of your capital. But be honest with yourself for a moment: Who is the primary bottleneck in your company? If you were to take a real vacation for 30...
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309: How to Crush Limiting Beliefs and Build a Life of True Significance
Have you ever felt like an invisible ceiling was capping your potential? You change your habits, you wake up earlier, and you read the latest business books, yet the same patterns of self-sabotage keep appearing in your finances and your relationships. In our latest podcast episode, we sat down...
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308: The Most Compelling Money Argument a Lawyer Ever Found
Neil Dietrich on Golden Handcuffs, Reinvention, and the Most Compelling Money Argument He’s Ever Seen. Some career paths come with a script you’re “supposed” to follow. You work hard. You climb. You earn the credentials. You build a reputation. You collect stability… and eventually you realize…
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307: Dads Under Pressure, How to Ask for Help and Heal
Most dads grow up believing one core rule: if something breaks, you fix it. If someone’s hurting, you protect them. If your family needs stability, you find a way. But what happens when life hands you something that can’t be fixed? That’s where this episode goes, gently, honestly, and powerfully....
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306: The Simple Truth About Infinite Banking
Featuring Chey (Ascendant Financial’s next-generation leader) with Jayson Lowe & Richard Canfield What if the real breakthrough in your financial life wasn’t a new investment… but a new process? In this episode of the Wealth on Main Street podcast, Jayson Lowe and Richard Canfield sit down with...
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305: The Ultimate Wealth Strategy for Families Who Think Long-Term
For more than three decades, Jayson has quietly built something most people never see coming. No hype. No speculation. No “get rich quick” tactics. Just a boring-looking system that produces extraordinary results. In this special anniversary episode of Wealth On Main Street, Jayson pulls back the...
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304: What’s Really Costing Farmers Control of Their Money?
Farmers don’t ask for easy. They wake up early. They work long days. They carry a risk most people will never understand. Weather. Markets. Fuel prices. Equipment failures. And decisions made far away by people who’ve never set foot on a farm. In this episode of Wealth On Main Street, Richard,...
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303: Why Traditional Management Fails and What Actually Works
Most leaders believe they’re accountable for results. Michael Walsh disagrees. In this episode of Wealth On Main Street, business coach and author Michael Walsh explains a radical but practical truth: You’re not accountable for the result. You’re accountable for supporting the people who generate...
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302: New Dad, New Mission – Garrett Gastil on Family Banking
Banking Will Happen to You, or You Control It (Garrett Gastil) Most people don’t realize they’re “doing banking” every day. They call it car payments, mortgages, credit cards, and lines of credit. Here’s the truth Garrett Gastil shares in this episode: Banking will happen to you, or you’ll be in...
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301: Never Too Old for IBC: Mary Hadfield’s Story at 71
https://youtu.be/OvPaaOUaCNM Are You Ever Too Old to Start Infinite Banking? Mary’s Starting Point: “I Was Intrigued Because It’s Not the Normal Program.” The Learning Curve: Real Talk About Reading the Book Why This Felt Different: “It’s Stabilizing” The Big Shift: Control Over Cash Flow Legacy...
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300: The Powerful Trades Story That Will Motivate You
Most people dream about starting a business. Cory Brewer accidentally built one. The Accidental Entrepreneur: From Lawn Care to Leadership Why Culture, EOS, and Collaboration Changed the Game AI, Remote Teams & Buying Back Time Why the Trades Will Mint the Next Wave of Millionaires The Mindset...
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299: The Hidden Threat Stealing Your Wealth
Most people feel the pressure long before they understand where it’s coming from. The grocery bill creeps up, mortgage renewals pinch harder, and the paycheck seems to vanish faster every single month. FULL TRANSCRIPT available here → CLICK HERE! In this two-part “Triple Threat” series, Jayson...
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298: Canada’s New Budget | The Hidden Debt Crisis
When Policy Meets Reality “If you think you’re going to bring our trade with the United States down to zero, you’re dreaming.” – Kim Moody Canada’s economy is inseparable from the United States. Nearly 70 percent of our economic activity depends on that relationship. So when the federal…
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297: US–Canada Tariffs: The Hidden Cost to Your Wealth
If Parliament Hill or Capitol Hill can move your wealth, you never really owned it. That single idea frames today’s conversation with Jayson Lowe, Richard Canfield, and returning guest Henry Wong. We tackle tariffs, inflation, business valuation, and why control, not prediction, is the real edge...
About this show
A North American Podcast show focused on helping Canadian & USA families and business owners create dependable wealth using the process of #becomingYourOwnBanker, known as The #InfiniteBankingConcept, with a combination of expert interviews and discussions surrounding business, wealth and cashflow strategies to optimize your financial life. The hosts, Jayson Lowe and Richard Canfield, place a focus on the foundation for economic success using the powerful Infinite Banking Concept created by the late R. Nelson Nash.
Hosted by
Richard Canfield & Jayson Lowe
Categories