The Money Advantage® Podcast | Infinite Banking Concept & Family Banking
Bruce Wehner & Rachel Marshall | Family Banking Guides
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Bruce Wehner & Rachel Marshall | Family Banking Guides
▶ WebplayerThe Money Advantage® Podcast helps successful, legacy-minded families turn wealth into stewardship, unity, and multigenerational impact through the Infinite Banking Concept, Family Banking, legacy planning, and cash flow strategies designed to last for generations. Hosted by Rachel Marshall and Bruce Wehner, Authorized IBC Practitioners, each episode helps you take control of your money, protect what matters, and create a financial system that supports your life today and your legacy tomorrow. You’ll learn how to use dividend-paying whole life insurance, tax-smart financial strategies, asset protection, estate planning, and intentional family leadership to build wealth with clarity, purpose, and stewardship. This pod...
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Oct 5, 2026 · 1:06:53
Learn what the cash surrender value of life insurance means, how it differs from cash value, and when a loan or withdrawal may preserve more options.
Sep 28, 2026 · 56:01
An IUL illustration can show a large future number, but the crediting rate is not your net return. Rachel and Bruce break down caps, spreads, the 0% floor, and the costs that…
Sep 21, 2026 · 1:03:23
Wise inheritance planning does more than prepare the assets for the heirs — it prepares the heirs for the assets. Rachel and Bruce share five ways to pass down values, stories,…
Sep 14, 2026 · 1:09:28
A properly designed whole life policy can make a policy loan available surprisingly early. Rachel and Bruce explain how policy loans actually work, what you are really borrowing…
Sep 7, 2026 · 1:08:10
When people ask whether whole life insurance or an annuity is better, I think there is a more useful place to begin. Instead of starting with the product, start with the job you…
Aug 31, 2026 · 54:25
Paying off your mortgage can feel like one of the clearest signs of financial freedom. I understand the appeal. For many families, that monthly payment represents pressure,…
Aug 24, 2026 · 1:09:52
You went looking for Infinite Banking, or maybe "be your own bank," and a max funded IUL came back as the answer: market-linked growth, tax-free access, no downside. On paper, it…
Aug 17, 2026 · 38:47
If you hear the phrase "inheritance planning" and immediately picture wills, trusts, attorneys, and a stack of complicated documents, you are not alone. The topic feels…
Aug 10, 2026 · 1:08:29
Once you have learned the fundamentals of Infinite Banking and decided to put it into action, one question tends to surface almost immediately: What is the best whole life…
Aug 3, 2026 · 35:06
The most damaging inheritance planning mistakes are not always bad investments, poor tax planning, or even missing legal documents. More often, families lose wealth because the…
Jul 27, 2026 · 55:32
A straight life policy is simply the base of a whole life insurance contract: a level premium that never changes, a guaranteed death benefit, and guaranteed cash value. If you've…
Jul 20, 2026 · 57:10
If you've researched whole life insurance for Infinite Banking, you've probably seen whole life insurance dividend rates advertised. 5.76%. 6.5%. And you've probably wondered: is…
Jul 13, 2026 · 46:25
The standard understanding of life insurance goes like this: you buy a policy, pay the premiums, file it away, and hope it never gets used. Protection for your family if you die.…
Jul 6, 2026 · 1:01:09
Someone put an IUL illustration in front of you. Maybe it was pitched as "market upside with no downside." Maybe as a "Roth IRA on steroids." Maybe as a way to "be your own…
Jun 29, 2026 · 50:37
The default wealth-building playbook goes like this: buy something low, hope it's worth more someday, then sell to capture the gain. That's the appreciation model, and it can…
Jun 22, 2026 · 56:23
Infinite Banking has grown fast. Really fast. And with that growth has come a flood of practitioners, coaches, agents, and advisors all claiming they can help families become…
Jun 15, 2026 · 1:09:07
The most expensive financial advisor many people will ever have doesn't send an invoice. It doesn't show up on a fee disclosure. It never introduces itself. But it has shaped…
Jun 8, 2026 · 1:10:57
SEC Chairman Paul Atkins and his wife reportedly own 54 life insurance policies. Yes, fifty-four! Most people see that headline and think it's extreme. Maybe even a little…
Jun 1, 2026 · 1:09:57
IUL gets pitched to young professionals, families, business owners, retirees, and pretty much everyone in between. The message is always consistent: this product can solve your…
May 25, 2026 · 55:01
There's a belief in the financial world that complexity equals sophistication. The more moving parts a strategy has, the smarter it must be. The harder it is to understand, the…
May 17, 2026 · 1:02:29
You set up your 401(k) contributions years ago. They go out of your paycheck automatically, before you even see the money. You've been doing this for years. And you've been…
May 11, 2026 · 57:33
When most people hear "dividend," their brain goes straight to stocks. That's understandable. And completely wrong when applied to whole life insurance.…
May 4, 2026 · 56:05
Every investor faces the same quiet trade-off. The moment you move capital from savings into a deal, the money stops growing where it was. It is now in the deal,or it is in the…
Apr 27, 2026 · 58:47
You've probably seen the pitch. Maybe you sat across from an advisor, or watched a video, or had a friend forward you something. The illustration was impressive: tax-free income…
Apr 20, 2026 · 54:45
What Is Limited Pay Life Insurance? Most people assume that owning a whole life insurance policy means writing premium checks for the rest of their lives. It's one of those…
Apr 13, 2026 · 1:05:56
Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance. IUL insurance has become one of the most aggressively…
Apr 6, 2026 · 47:42
What an Old Game Revealed About Real Money Decisions One of the most interesting moments in our conversation with Lucy Taylor had nothing to do with spreadsheets, calculators, or…
Mar 30, 2026 · 1:06:27
If You’re Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what…
Mar 23, 2026 · 58:59
“I’m Not Paying for Oil—I’m Protecting the Engine” There’s a moment in our house where Lucas will look at me—calm as can be—and say, “Rachel… I’m not paying for oil. I’m…
Mar 16, 2026 · 1:03:19
What Is Reduced Paid-Up (RPU) Insurance? Somewhere buried in your whole life insurance policy, there's a provision called the reduced paid-up option. Most people never think…
Mar 8, 2026 · 32:25
The $15 Lunch That Quietly Steals the Future Bruce and I were talking recently about something that looks harmless on the surface—and yet it explains why so many people feel…
Mar 2, 2026 · 57:55
Investing” Is Not the Same as “Owning” A client said something to Bruce recently that stuck with me: “I despise the idea of a 401(k)… but I also know I’ll spend the money if it…
Feb 23, 2026 · 49:57
The “Real Show” Reminder (and why that matters) We kicked off this episode the way we often do—by being real. A quick tech hiccup, a laugh, and the reminder that this is not a…
Feb 16, 2026 · 1:22:21
The moment we realized “liquidity” isn’t a theory Thirteen years ago, Lucas and I thought we were being responsible by storing a lot of our capital in gold and silver. It felt…
Feb 9, 2026 · 52:12
The “Clean Slate” That Changes Your Decisions Every January, Bruce and I have this running joke: as a society, we collectively decide that January 1 magically flips a switch—life…
Feb 2, 2026 · 58:16
The Questions No One Can Answer After Dad Dies A man spends his life building a sophisticated estate plan—brilliant strategies, impeccable legal work, a network of trusted…
Jan 26, 2026 · 34:57
The Moment “Confident” Sounds Like “Certain” A few weeks ago, we found ourselves talking about how quickly AI is moving. It’s not just that it can answer questions fast—it’s that…
Jan 19, 2026 · 38:29
The “Billion-Dollar Asset” That Still Had to Be Sold A story Bruce shares in our retirement class teaching always stops people in their tracks. A family inherited an NFL team…
Jan 12, 2026 · 51:48
Bruce said something on the show that stuck with me because it’s so honest: Everyone thinks they’re an aggressive investor… until they lose money. And it’s true. Most people…
Jan 5, 2026 · 26:54
A Hospital Room Reminder About What Really Matters When Bruce recorded this episode, I was in the hospital. He carried the podcast solo while I was headed into yet another…
Dec 29, 2025 · 42:55
The Couple With $8.5 Million… and One Salad “Bruce, I’m afraid we’re going to run out of money.” He had over $8.5 million across different accounts. They were in their early 70s.…
Dec 22, 2025 · 55:41
The Day a Cookie Business Changed How My Daughter Saw Money After watching a kid biz launch challenge our eight-year-old decided she wanted to start a cookie business. She…
Dec 15, 2025 · 49:26
The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I’m worried I’m losing ground to inflation and missed…
Dec 8, 2025 · 59:18
Many people make more money and somehow feel more afraid. Afraid to decide. Afraid to lose. Afraid to look foolish. Afraid to miss out. https://www.youtube.com/live/00ErZ7MiuEM…
Dec 1, 2025 · 51:38
A few weeks ago our 14-year-old daughter ordered a $30 item online with her own hard-earned cash. She was proud of herself—until a notice popped up: the product was coming from…
Nov 24, 2025 · 59:13
We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I’ve followed the rules—so why doesn’t my Retirement Plan feel safe?”…
Nov 17, 2025 · 57:33
Why the Indexed Universal Life lawsuit is a wake-up call The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from…
Nov 10, 2025 · 26:08
“It’s not the math. It’s the mindset.” When Bruce recorded this episode solo, he opened with something we’ve learned after thousands of client conversations: the biggest Infinite…
Nov 3, 2025 · 58:00
If you want to increase your savings, don’t start with your budget—start with your lifestyle.Your lifestyle isn’t about how much you spend.It’s about what you prioritize.It’s the…
Oct 27, 2025 · 51:32
Premium financing life insurance for estate planning is one of those strategies that sounds impressive—and sometimes is. But for most families, it introduces more complexity and…
Oct 20, 2025 · 43:22
The Corvette and the $80,000 Lesson Have you ever made a money decision that felt right in the moment… only to realize later it pulled you further from your goals?You’re not…
Oct 13, 2025 · 47:02
The Gas Station Story That Reveals a Common Money Mistake Let me paint a picture for you. https://www.youtube.com/live/uqGN5Sz9tJg You’re driving down the highway and see gas at…
Oct 6, 2025 · 43:09
When Bruce came back from recording this episode of The Money Advantage podcast, he told me something that hit hard: https://www.youtube.com/live/r5oyEytzj1w He shared how…
Sep 29, 2025
Have you ever heard someone say you can use an IUL for Infinite Banking? Maybe you’ve seen a slick video online, or a persuasive advisor with charts and projections that promise…
Sep 22, 2025 · 1:09:42
When most people first hear about Infinite Banking, one of the first questions that comes up is: “But what are the risks of Infinite Banking?” It’s a fair question. We live in a…
Sep 15, 2025 · 1:00:03
“Is Infinite Banking a sales tactic?” It’s one of the first questions we hear—and it’s a valid one. When I first encountered Infinite Banking, I wasn’t looking for a new…
Sep 8, 2025 · 41:15
A Story That Changes the Way You See Wealth When Bruce and I sat down with Michael Cole for The Money Advantage Podcast, the conversation didn’t just scratch the surface of…
Sep 1, 2025 · 1:01:46
How a Campfire Call Sparked a Financial Movement It started with a campfire. Lucas and I were out camping when I made a phone call that would unknowingly change the course of our…
Aug 25, 2025 · 54:36
A friend called and said four words that changed the trajectory of a young family’s finances: Becoming Your Own Banker. At that moment, Jesse Durham was a former cop turned…
Aug 18, 2025 · 52:00
What Most Families Miss About Whole Life Insurance Tax Strategies Most people miss the hidden power of whole life insurance tax strategies—and in doing so, they overpay in taxes…
Aug 11, 2025 · 42:40
What’s Really at Stake When it comes to short-pay vs long-pay life insurance, the question isn’t just about convenience—it’s about control, options, and legacy.…
Aug 4, 2025 · 1:11:51
SLAT vs ILIT for High Net Worth Estate Planning isn't just a legal distinction—it's a strategic decision that could determine how well your wealth serves your family, both now…
Jul 28, 2025 · 20:39
The Power of a Love Letter When Shannon sat down to write her love letters to her children, she didn’t expect just how meaningful the process would be. What began as a simple act…
Jul 21, 2025 · 50:44
I’ll never forget Bruce’s story about his car, the check engine light on, and a mechanic insisting it needed a $1,500 catalytic converter. Bruce knew better and fixed it by…
Jul 14, 2025 · 1:00:56
I’ll never forget the moment my co‑host Bruce Wehner shared a powerful story: Nelson told his wife, Mary, “I need to teach you how to be a widow.” That striking phrase stopped us…
Jul 7, 2025 · 34:48
How Much Life Insurance Do I Need? Why That’s the Wrong Question If you’ve ever asked, “How much life insurance do I need?”—you’re not alone. It’s a common starting point. But in…
Jun 30, 2025 · 54:40
Lately, we’ve seen a troubling trend online. People—some well-meaning, some not—are sharing misinformation about mutual holding companies, claiming these companies are no longer…
Jun 23, 2025 · 1:06:04
A few weeks ago, something special happened as we kicked off a podcast recording—Joe DeFazio held up a first edition copy of Becoming Your Own Banker by Nelson Nash. It had just…
Jun 16, 2025
In today’s post, Bruce and I (Rachel Marshall) want to bring you behind the scenes of a candid and educational conversation we had with Matt Ewald, Vice President of Life…
Jun 9, 2025
There’s a story Buffy Ruthardt shared that still gives me chills. She and her husband Darren were on a drive, just processing life and legacy—wondering aloud what it might look…
Jun 2, 2025 · 1:18:34
Let me tell you a quick story. Imagine walking into your local grocery store, grabbing a can of peas, and sneaking out the back door without paying. It sounds ridiculous—maybe…
May 26, 2025 · 1:12:07
It started with a bold question that showed up in a public comment: "If infinite banking is so powerful, why wouldn't I just put all my income into a whole life policy?" That…
May 19, 2025 · 55:39
Recently, Bruce shared a story that perfectly illustrates unexpected life challenges—his basement flooded, turning a peaceful Easter weekend into an emergency cleanup session.…
May 18, 2025 · 50:32
https://www.youtube.com/watch?v=0AIoJylhZNI The Infinite Banking Concept is a financial strategy, first codified by R. Nelson Nash, that uses high-cash-value, dividend-paying…
May 14, 2025 · 1:03:06
Interested in finding out how to start a family bank? Today, Bruce and I talk with our friend and colleague, John Moriarty, Founder and President of e3 ConsultantsGROUP.…
May 13, 2025 · 59:17
Do you want to build a family banking system that will provide capital to you and future generations? Come see behind the scenes as we talk about our Marshall Family Bank in…
May 12, 2025 · 1:03:07
When we first started talking about estate planning with life insurance, it was because we saw a massive disconnect in how families were thinking about their wealth. Not just the…
May 11, 2025 · 1:01:02
Bruce Wehner discusses the primary components of infinite banking policy design: base premium, paid-up additions riders, and term riders. Following the principles laid out by…
May 8, 2025 · 45:50
https://www.youtube.com/watch?v=V8y-QLv01jI Have you heard about Nelson Nash’s Infinite Banking strategy, and how to become Your Own Banker, and want to learn more? Or maybe…
May 5, 2025 · 55:57
What do the St. Louis Rams and Prince have in common? Their stories illustrate the pros and cons of ILIT insurance - or, more accurately, what happens when estate planning tools…
Apr 28, 2025 · 58:18
Today, Bruce and I want to unpack a question we frequently encounter: Is cash value life insurance enough for retirement? It’s a compelling question, but one without a simple yes…
Apr 21, 2025 · 1:09:57
If you've ever tried leading a Zoom call while your screen goes black mid-sentence, you know the feeling of being out of control. That’s how many of us feel about our finances…
Apr 14, 2025 · 30:47
If you’ve been researching Infinite Banking, you’ve probably heard it described as "tax-free." That phrase is thrown around a lot, and while it sounds great, it’s not entirely…
Apr 7, 2025 · 53:36
Imagine sitting in a room full of financial professionals, entrepreneurs, and thought leaders, all gathered with a shared mission—to gain clarity, deepen understanding, and…
Mar 31, 2025 · 56:04
What does it take to build a life of true success? Not just financial wealth, but success in all areas—business, family, health, faith, and relationships? If you've ever felt…
Mar 23, 2025 · 1:09:20
Have you ever stopped to question how money really moves in your life? Most of us are so accustomed to the financial system we’ve been handed that we don’t even recognize its…
Mar 17, 2025 · 1:02:11
Imagine waking up one day to find that everything around you—groceries, gas, housing—costs significantly more than it did yesterday. Your savings, your income, and everything…
Mar 10, 2025 · 56:35
Turn financing costs into a financial tailwind by changing the way you think about money. Flying is an amazing experience. But have you ever noticed that when you fly west, your…
Mar 3, 2025 · 53:07
Imagine walking into a grand bank building with marble floors, high ceilings, and neatly dressed bankers eager to assist you. You deposit your hard-earned money, confident that…
Feb 24, 2025
Imagine this: You’re researching financial strategies, and you keep running into this concept called Infinite Banking. But then, you see a claim — Infinite Banking is only for…
Feb 17, 2025 · 51:41
It’s a quiet evening. Snow begins to blanket the ground as the roads grow slick with ice. You’re driving home late at night, carefully navigating the treacherous conditions.…
Feb 10, 2025 · 23:50
Imagine you’re constructing the financial equivalent of a dream home, including a solid foundation, spacious rooms, and everything designed to suit your long-term vision. Whole…
Feb 3, 2025 · 48:23
When was the last time you were completely captivated by a story? For me, it was years ago, when I first listened to a book that changed my entire perspective on the power of…
Jan 27, 2025 · 38:15
Have you ever considered how the concept of life insurance has evolved over centuries to become one of the most effective financial tools available today? In this article, we…
Jan 20, 2025 · 39:11
https://www.youtube.com/live/mTyHU0ZwcjI Imagine sitting across from someone confidently telling you, “You can be your own bank. No more reliance on traditional banks, no credit…
Jan 13, 2025 · 1:05:05
Imagine a world where your family’s financial future is not dictated by banks but built by you. What if you could create a self-sustaining system provides security and offers…
Jan 6, 2025 · 39:16
Imagine being told that the best way to help others is to first help yourself. This timeless piece of advice, often heard during airline safety briefings, holds true in the…
Dec 30, 2024 · 33:29
Imagine two families, both immensely wealthy at the height of their fortunes. One family, the Vanderbilts, saw their immense wealth squandered within just a few generations. By…
Dec 23, 2024 · 45:47
Imagine living during World War II, a time of profound global economic uncertainty. While governments struggled to manage soaring debts and economic upheaval, life insurance…
Dec 16, 2024 · 52:59
https://www.youtube.com/live/34XTxCC807g In seventh grade, Mark Anderson mowed lawns for $3.50 a yard, saving diligently for his first major purchase—his future wife Amy’s…
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