The Money Advantage Podcast
Personal Finance for the Entrepreneurially-Minded!
Episodes
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 $3.00 a gallon. Three miles later, you spot it for $2.97. You think, "Yes! A deal!" So you turn around, drive the extra six miles, and save... 30 cents.
Except you used 40 cents of gas to get there.
This is the kind of logic many people use...
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October 6, 2025 • 43 mins
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 frustrated he feels every time he hears about a family who loses a loved one without proper life insurance. Suddenly, their friends and community are scrambling to create a GoFundMe page just to cover funeral expenses and basic needs.
Life insurance is...
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September 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 you higher returns, flexible premiums, and “upside potential.” It sounds convincing—especially when you compare the numbers on an illustration. Who wouldn’t want more cash value and lower premiums?
But here’s the sobering reality: when it comes to Inf...
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September 22, 2025 • 69 mins
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 financial world where we’ve been conditioned to look for the fine print, the hidden traps, and the potential downsides of anything that sounds “too good to be true.”
https://www.youtube.com/live/7JHmm5jEfQ0
I get it. When you first hear the conce...
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September 15, 2025 • 60 mins
“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 strategy. I was simply trying to find a better place to store cash.
https://www.youtube.com/live/K00YrFJtIQE
Like many families, Lucas and I were putting our savings into gold and silver. It felt like a smart move—until we needed liquidity. The value ...
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September 8, 2025 • 41 mins
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 wealth management—it went straight to the heart of what wealth really means. Here’s a man who has advised families with an average net worth of more than $500 million, co-founded the largest network of centimillionaires in the U.S., and written the bestsellin...
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September 1, 2025 • 61 mins
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 lives and the lives of thousands of families:“Bruce, want to start a podcast?”
https://www.youtube.com/live/GKrk_LOMwI4
As we looked back over the years, a theme emerged. The conversations that mattered most weren’t about rates of return, pro...
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August 25, 2025 • 54 mins
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 Spanish teacher in North Carolina. New baby. Second on the way. About $50,000 of debt. A man raised to do what most of us were taught to do: get the degree, get the job, ride the hamster wheel, and hope the math works out.
https://www.youtube.com/live/kgT...
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August 18, 2025 • 52 mins
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 and underfund their legacy. In today’s podcast episode, Bruce Wehner dives deep into how the tax code is designed to reward strategic behavior—and how you can align your actions to reduce your tax burden and redirect that capital into wealth-building veh...
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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.
https://www.youtube.com/live/dPxt8Nui4g4
In this article, you’ll learn:
The difference between short-pay and long-pay policies
Why a long-pay design gives you more flexibility and cash value
How reduced-paid-up life insurance contracts really work
Wh...
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August 4, 2025 • 71 mins
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 and for generations to come.
https://www.youtube.com/live/CzyssnZbzD0
We were deep into a conversation with Andrew Howell, one of the foremost estate planning attorneys in the country, when he casually dropped a statement that made us pause: "I haven’...
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July 28, 2025 • 20 mins
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 of putting words on paper quickly became one of the most profound steps in her family’s legacy journey. The letters reflected a lifetime of love, intention, and values that now had a permanent home.
https://www.youtube.com/live/VzJGf5fD2Jk
Fo...
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July 21, 2025 • 50 mins
I’ll never forget Bruce’s story about his car—check engine light on, a mechanic insisted it needed a $1,500 catalytic converter. Bruce knew better and fixed it by simply tightening the gas cap. That story isn't just about auto repair; it perfectly illustrates why questions a good financial advisor should ask matter. Without probing, you might be sold something you don't need. Competency—not just good intentions—matters.
https:/...
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July 14, 2025 • 60 mins
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 in our tracks. It wasn’t morbid—it was strategic. Nelson recognized that spouse financial preparedness is the cornerstone of true legacy planning. If your partner isn’t prepared to manage finances when the unthinkable happens, your careful planning unravel...
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July 7, 2025 • 34 mins
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 this article, Bruce and I (Rachel) want to challenge that question and offer something better. Because "need" is often based on a survival mentality—what’s the bare minimum? But the real question isn’t about scraping by. It’s about what you want your li...
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June 30, 2025 • 54 mins
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 mutually owned or that they’ve quietly abandoned their policyholders.
That couldn’t be further from the truth.
So Joe, Bruce, and I decided it was time to clear the air. Because when it comes to protecting your family’s legacy, clarity matters more...
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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 arrived in his hands, passed down like a sacred trust.
https://www.youtube.com/live/4MpwxirBpGA
We weren’t in the same room, so Bruce and I couldn’t flip through the pages or feel its weight for ourselves—but even through the screen, we felt the gra...
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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 Insurance at Advisors Excel. If you’ve ever wondered when and why to use guaranteed universal life insurance (GUL) —especially in the context of estate planning—this one is for you.
We’ve been having more and more conversations with families who aren’t just thi...
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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 like for their children to live in their inheritance while they were still alive. Not just financially, but spiritually, relationally, and generationally.
https://www.youtube.com/live/dMMgfxEohsI
It was a bold idea.
But they didn’t know how to ...
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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 even unethical, right? Now, imagine the opposite: You pick up the same can, go to the register, pay for it, and walk out the front door with a receipt in hand.
https://www.youtube.com/live/GZ7wNDb-ugY
That simple act—paying at the register instea...
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