The real estate industry has a reputation problem, and Gregg Costin knows it firsthand. As a former Air Force combat systems officer turned real estate agent, he brings a unique perspective to an industry plagued by low barriers to entry and questionable ethics. His journey from being burned by unethical agents to becoming "a realtor for people who hate realtors" reveals the systemic issues plaguing the real estate market.

His military background and personal real estate investment experience give him the expertise to negotiate aggressively while educating clients on the complex financial mechanics of home buying. From saving clients over $100,000 on purchase prices to helping them navigate mortgage shopping and VA loan benefits, his approach prioritizes client education over quick commissions.

This episode exposes the financial education gaps that leave homebuyers vulnerable to costly mistakes and provides practical strategies for finding ethical representation. Whether you're a first-time buyer or a seasoned investor, this conversation will change how you approach real estate transactions and agent selection.

The Low Barrier Problem: The real estate industry's minimal licensing requirements attract unqualified agents who lack essential knowledge in contract law, finance, and property evaluation. Agents should be experts in mortgages, economics, and market dynamics—not just door openers.

Mortgage Education is Critical: Most buyers don't understand front-loaded interest or how their mortgage structure impacts long-term costs. If you can't explain how your mortgage works, your agent failed to educate you properly. Understanding these mechanics can save hundreds of thousands over the life of the loan.

The NAR Lawsuit Impact: The recent National Association of Realtors lawsuit has created confusion about commission structures. While sellers are no longer required to offer buyer agent commissions on MLS listings, this change may actually make the process less transparent and more expensive for buyers who now face potential out-of-pocket agent fees.

VA Loan Strategies for Veterans: The VA loan is described as "the biggest hack to wealth" for veterans, yet many don't understand how to use it effectively. This discussion debunks common misconceptions and explains how veterans can leverage this benefit multiple times for wealth building through real estate investment.

Remote Real Estate Services: Nationwide referral services go beyond simple handoffs to actively vet agents, participate in negotiations, and provide ongoing education throughout transactions. This approach ensures clients receive quality representation regardless of location.

➡️ Chapters

00:00 - Opening: Frustration with Real Estate Agents

05:00 - Military Background and Real Estate Journey

12:00 - Getting Burned by Unethical Agents

19:00 - The Importance of Mortgage Education

23:00 - VA Loan Challenges and Bank Tactics

27:00 - Current Market Trends and NAR Lawsuit

36:00 - Commission Structure Reality Check

43:00 - Vetting Questions for Potential Agents

48:00 - "Realtor for People Who Hate Realtors"

59:00 - Nationwide Referral and Vetting Services

Whether you're buying or selling in Florida or need a vetted agent referral anywhere in the country, Gregg Costin provides the expertise and integrity missing from most real estate transactions. Contact him at (850) 266-5005, or visit www.greggcostin.com/

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The AI revolution isn't just another technological shift—it's a fundamental disruption that will permanently alter the relationship between capital and labor. In this episode, Hans and Brian explore how artificial intelligence is accelerating at an unprecedented pace, threatening traditional employment while creating massive opportunities for those who are prepared.

Drawing insights from Jordi Visser's analysis on AI's impact on Wall Street, they examine why this disruption is different from past innovations. Unlike previous technological advances that created new job categories, AI has the potential to replace both mental and physical labor at a speed that far exceeds society's ability to adapt.

The discussion emphasizes why building a strong capital base through strategies like Infinite Banking Concepts (IBC) may be more crucial than ever. Rather than trying to predict exactly how AI will unfold, Hans and Brian advocate for creating flexible financial strategies that can thrive regardless of the specific outcomes.

Capital Compounds, Labor Waits: The fundamental shift happening now is that AI enables capital to grow exponentially while labor becomes increasingly replaceable. Companies can dramatically reduce their workforce while simultaneously increasing productivity and profits, creating an unprecedented divergence between capital owners and workers.

The Speed of Disruption: What once took decades of technological adoption now happens in quarters. The pace of AI advancement means traditional economic models and Fed policies may be inadequate for managing a world where markets boom while unemployment rises simultaneously.

Building Financial Resilience: Rather than trying to predict exactly how AI will unfold, the focus should be on creating flexible financial strategies that can thrive regardless of the specific outcomes. Having accessible capital and ownership positions becomes critical for capturing opportunities in this rapidly changing landscape.

Embracing AI as a Tool: Instead of resisting technological change, individuals and businesses should actively learn to leverage AI for productivity gains. Those who adapt early will have significant advantages over those who try to avoid or ignore these tools.

➡️Chapters:

00:00 - Opening thoughts on AI as unprecedented disruption

01:00 - Introduction to the episode and Jordi Visser's insights

03:00 - Brian's real estate closing and dry powder strategy

04:00 - Comparing AI to previous disruptors (internet, mobile phones)

07:00 - Capital compounds, labor waits - the new paradigm

09:00 - Which industries and jobs are at risk

11:00 - The future of airline pilots and automation

13:00 - Logarithmic scale of technological change

15:00 - The death of the university system

18:00 - Trade jobs and physical labor considerations

19:00 - Building capital for the next generation

21:00 - Social unrest and economic disparity risks

24:00 - Christian perspective on fear and preparation

25:00 - Federal Reserve challenges with AI disruption

27:00 - IBC as resilient foundational strategy

29:00 - The three-body problem analogy for unpredictability

31:00 - Personal AI experiences and practical applications

34:00 - Don't become a "boomer with a phone"

36:00 - Meta and Tesla's AI investments

39:00 - The importance of staying current with AI

41:00 - July 4th plans and closing thoughts

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Policy loans are one of the most powerful tools in infinite banking, but they're not free money. In this episode, Hans and Brian dive deep into the strategic considerations around when to use policy loans, when to avoid them, and how to think through these decisions holistically.

From philosophical approaches to practical examples, they explore the spectrum of policy loan usage in the infinite banking community, ranging from Nelson Nash's "cut out the snakes and dragons" philosophy to pure arbitrage-focused strategies. The hosts share real-world scenarios that illustrate the power of having control and optionality in your financial decisions.

Through Brian's recent land purchase and various investment examples, they demonstrate why maintaining liquidity provides strategic advantages and how policy loans can be leveraged responsibly as part of a comprehensive wealth-building strategy.

The Philosophy Spectrum of Policy Loans: The infinite banking community spans from Nelson Nash's "cut out the snakes and dragons" approach to pure arbitrage-focused strategies. Finding the middle ground means using policy loans strategically while maintaining core principles over the 17-20 year journey.

You Finance Everything You Buy: Whether you pay cash or finance, you're always giving up opportunity cost. When you hand cash to a dealer, that money stops working for you and starts working for them. Understanding this helps frame policy loan decisions within your overall capital allocation.

The Power of Having Options: Maintaining liquidity provides strategic advantages. Keeping cash reserves above emergency fund levels allows you to seize unexpected opportunities, while having multiple financing options creates optimal decision-making flexibility.

When NOT to Use Policy Loans: Avoid using policy loans for daily expenses, laddering policies (using loans to fund new policies), and taking loans without a repayment plan. Policy loans require responsible banking practices despite their flexibility.

Investment Arbitrage Considerations: A 10% minimum return threshold provides one framework for policy loan investments. Asset allocation models can guide decisions beyond simple interest rate arbitrage across real estate, private lending, and other investment categories.

➡️ Chapters

00:00 - The Power and Responsibility of Policy Loans

01:00 - Current Economic Environment and Tax Policy

05:00 - Policy Loan Decision Framework

08:00 - The 17-20 Year Journey to Financial Independence

12:00 - Car Dealership Financing vs Policy Loans

16:00 - The Ability to Repay as a Position of Strength22:00 - Emergency vs Opportunity Funds

29:00 - Invest to Live, Don't Live to Invest

33:00 - Asset Allocation Over Pure Arbitrage

39:00 - Personal Investment Thresholds and Strategies

48:00 - What NOT to Use Policy Loans For

52:00 - Future Windfalls and Repayment Planning

54:00 -The Dangers of Policy Laddering

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