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

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

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

Chapters:

00:00 - Opening segment

01:44 - Kyle Busch

$8.5M IUL lawsuit introduced

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

05:43 - Agent structured policy to maximize his compensation

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

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

13:07 - The mortality charge death spiral explained

14:32 - Real client story

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

20:18 - Net amount at risk breakdown

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

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

26:13 - Why IULs exist and why they fail

28:17 - Whole life dividends vs IUL flexibility traps

32:52 - Proper protection across all life areas

35:12 - Long-term thinking vs optimization traps

38:17 - Conservative approach to new growth strategies

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

42:30 - Closing segment

Key Takeaways:

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

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

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

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

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

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

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

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

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

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

Chapters:

00:25 - Opening Segment

04:55 - Why most people fail with money

06:35 - You are the greatest asset

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

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

14:50 - Overwhelmed by conflicting tips

19:05 - Teaching value creation

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

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

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

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

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

39:35 - Step 4: Stop tipping the government

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

43:55 - Sourdough bread business example

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

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

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

54:45 - Living today while building for tomorrow

57:20 - Closing Segment

Key Takeaways:

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

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

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

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

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

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

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

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

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

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You need to be able to outprint the Fed. To learn a stress-tested way to accelerate your investment capital, go to https://remnantfinance.com/options to learn the framework we discuss this week.

AI is transforming the world faster than anyone realizes—and the job market as we know it is about to disappear. In this episode, we speak with Navy nuclear engineer turned entrepreneur Troy Broussard, founder of Low Stress Trading, about how to survive this economic upheaval by creating money faster than the Federal Reserve can devalue it.

Troy shares how his unique trading framework is helping ordinary people beat inflation, break free from the traditional “buy and hope” system, and generate consistent weekly income—regardless of what the market does. We explore how artificial intelligence, automation, and Elon Musk's Starlink and Optimus projects are dismantling the old economy and why financial independence now depends on agility, not credentials.

The financial paradigms that guided the last ninety years will be counterproductive in the next ninety years. This is an episode about freedom—from inflation, from dependence on failing systems, and from the illusion of job security.

Chapters:

00:30 - Opening segment

04:10 - Elon Musk’s Starlink, Optimus, and the AI revolution

10:45 - Why Apple stopped innovating and what it means for investors

15:20 - The collapse of old financial paradigms

21:00 - The rich don’t pay taxes—they redefine income

27:45 - Throwing away 90 years of failed investment logic

33:30 - What weekly options really are and why anyone can learn them

41:15 - How to make money in an up, down, or sideways market

47:20 - Weekly income vs. buy‑and‑hope investing

52:00 - Real‑world math: The “lost decade” myth

58:30 - Income beats net worth—why cash flow wins every time

1:03:45 - Trading through recessions and inflation cycles

1:10:50 - Why “too good to be true” is a broken mindset

1:18:00 - Generational impact: teaching kids to outpace inflation

1:23:40 - Hyper‑compounding: 1% per week means 68% annually

1:29:10 - The future of Low Stress Trading’s software revolution

1:33:20 - The community that celebrates success, not envy

1:38:40 - Closing thoughts

Key Takeaways:

• AI is rewriting the job market faster than experts predicted

• Elon Musk’s Starlink and Optimus projects will redefine automation and employment

• Inflation is real, and official CPI numbers are meaningless compared to daily reality

• The wealthy build wealth by controlling how income is classified and taxed

• “Buy and Hold” investing is obsolete in the AI-driven economy

• Weekly option trading creates consistent, compounding income

• You can make money in any market by “being the bank” through options

• Teaching kids financial literacy early can make them self-sufficient for life

• The new financial freedom is independent of jobs, pensions, or Wall Street

  
  

Learn Troy’s trading framework at https://remnantfinance.com/options !

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

Visit https://remnantfinance.com for more information

FOLLOW REMNANT FINANCE

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

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

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