Taxes don't have to be the financial death sentence most people accept them to be. In this episode, we welcome back Neil McSpadden from Tax Sherpa for his second appearance on the show. Neil shares his journey from owing the IRS $1.3 million to becoming a tax strategist who's helped save hundreds of millions in taxes across 50,000+ returns.

The conversation covers everything from the latest Trump tax legislation to practical strategies for business owners, plus why being a W-2 employee puts you at the biggest tax disadvantage possible. We dive deep into the "Big Beautiful Bill," estate tax changes that could impact infinite banking practitioners, and the fundamental difference between how employees and business owners are taxed.

Whether you're a pure W-2 earner looking for ways to optimize your situation or a business owner wanting to maximize deductions, this episode reveals why having a tax strategy isn't optional—it's essential for keeping more of your hard-earned money out of government hands.

The Tax Order of Operations: The fundamental difference between W-2 employees and business owners isn't just about deductions—it's about when you pay taxes. Employees earn money, get taxed on nearly everything, then spend what's left. Business owners earn money, spend on allowable business expenses, then only pay taxes on what remains.

Trump's "Big Beautiful Bill": Neil breaks down the key provisions of the new tax package, including making the Tax Cuts and Jobs Act permanent, the "no tax on tips" policy, vehicle interest deductions for American-made cars, and changes to the SALT cap. Understanding these changes is crucial for planning your 2025 tax strategy.

Estate Tax Alert for IBC Practitioners: The estate tax exemption could drop from $13.5 million per person to roughly half that amount. For infinite banking practitioners with whole life policies and convertible term coverage, this could mean your policy values might subject your estate to a 40% tax.

Why Everyone Needs Business Income: Even if you're primarily a W-2 employee, having some form of business income opens up tax strategies unavailable to pure employees. This doesn't mean quitting your job—just finding ways to generate legitimate business income that shifts expenses from after-tax to before-tax.

➡️ Chapters

00:00 - Opening thoughts on taxation philosophy

01:00 - Neil's backstory: From $1.3M IRS debt to tax expert

04:00 - How Tax Sherpa was born during the pandemic

08:00 - Why the IRS doesn't actually know what you owe

09:00 - Trump's "Big Beautiful Bill" breakdown

12:00 - No tax on tips: The details matter

17:00 - Child tax credits and vehicle deductions

22:00 - SALT cap negotiations and high-tax states

28:00 - Estate tax sunset: A ticking time bomb

33:00 - Generation skipping transfer tax explained

37:00 - W-2 vs. business owner tax treatment

42:00 - The guiding principle of business deductions

47:00 - Case study: Converting 1099 income properly

52:00 - Tax Sherpa's client process overview

57:00 - Why Neil understands infinite banking

Want to learn smarter ways to reduce your tax burden and keep more of what you earn?

Follow Neal on LinkedIn: linkedin.com/in/neal-mcspadden or book a call at https://taxsherpa.com/book-an-appointment to see how you can optimize your tax strategy

!

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When military leaders weaponize health protocols against service members who refuse to comply with unlawful orders, what happens to the oath to defend the Constitution? In this powerful episode, we're joined by Navy Commander Rob Green, author of "Defending the Constitution Behind Enemy Lines," who shares his experience of being systematically targeted and attacekd for refusing emergency use COVID tests and vaccines.

Rob's story reveals the rampant violation of constitutional rights within the Department of Defense and how a leaked Navy standard operating procedure exposed the mass denial of religious accommodation requests. His courage in fighting these unlawful mandates helped secure federal injunctions that protected thousands of service members across all branches of the military.

We also explore how the COVID mandate fight opened our eyes to the need for true independence, not just from government overreach, but from the financial systems that make coercion possible. Rob shares his journey from Dave Ramsey disciple to Infinite Banking Concept practitioner, and why building generational wealth through whole life insurance policies creates the financial freedom necessary to stand on principle.

Follow Rob on X @robgreen1010 and buy his book here!

The Parking Lot Exile: Rob details the absurdity of being forced to conduct official Navy business from his car in the snow because he refused emergency use COVID tests.

The Leaked Navy SOP: The revelation of a standard operating procedure that directed the mass denial of religious accommodation requests without proper review.

Emergency Use Authorization Rights: An in-depth explanation of Title 21 US Code and how emergency use products cannot be mandated, even for military members.

The Path to Accountability: Discussion of grade determinations as a tool for holding military leaders accountable for their actions during COVID.

From Mandate Resistance to Financial Independence: How the COVID fight revealed the need for true independence from systems that enable government coercion.

Building Generational Resilience: How whole life insurance policies can provide the financial security that enables future generations to stand on principle rather than being coerced by economic pressure.

➡️ Chapters

00:00 - The Obligation to Resist Unlawful Orders

05:00 - Rob's Background and Introduction to the Mandate Fight08:00 - The Parking Lot Exile and Emergency Use Authorization

15:00 - The Navy's Standard Operating Procedure for Mass Denials

21:00 - Lack of Accountability and Grade Determinations

27:00 - Transitioning from COVID Fight to Financial Independence

35:00 - The Risk Aversion Mindset and Government Overreach

42:00 - From Dave Ramsey to Infinite Banking Concept

48:00 - Paul Atkins and His 54 Life Insurance Policies

54:00 - Generational Wealth and Standing on Principle

01:02:00 - Final Thoughts on Independence and Accountability

Follow Rob on X @robgreen1010 and buy his book here!

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Money amplifies who you are—so the real question isn't just what you'll leave your children, but who they'll become when they inherit it. In this deep conversation, Brian and Hans step away from pure financial strategy to explore something more fundamental: the difference between leaving your family money versus leaving them values, stories, and unbreakable family bonds.

Their discussion reveals a sobering truth: by the third generation, most family wealth is squandered and forgotten in American culture. But the real tragedy isn't lost money—it's lost connection. When children don't know who they are or what it means to be part of their family, society eagerly fills that void with its values.

The Rockefeller vs. Vanderbilt Legacy: While both families built enormous fortunes, only one survived generationally. The Rockefellers didn't just create financial structures—they built a family culture of interdependence and shared values that keeps wealth in the family across generations.

Roots and Wings Philosophy: Most families build either strong roots (creating dependence) or strong wings (encouraging complete independence). The goal is both—children who can stand on their own but choose to remain connected to their family unit because they understand their heritage and identity.

The Power of Family Stories: Children connect to heritage through stories, not just money. Whether it's journaling pivotal moments, creating family traditions, or establishing sayings that capture your values, these become the foundation of family identity that transcends any inheritance.

Fighting Cultural Vampires: If you don't give your children a strong identity rooted in family values, external forces will gladly provide one. From educational institutions to social movements, there are plenty of "vampires" ready to shape your children's worldview if you're not intentional about it first.

Creating Family Mantras: Simple phrases that capture family values become powerful tools for building identity. Whether it's "Moody's always do the right thing" or "rethink your thinking," these mantras help children understand what it means to be part of your family lineage.

➡️ Chapters:

00:00 - Opening thoughts on generational wealth

02:00 - The five F's: Faith, family, fitness, finance, friendship

03:00 - Why most fortunes disappear by the third generation

06:00 - What you leave IN your kids vs. TO your kids

07:00 - Rockefellers vs. Vanderbilts: A tale of two legacies

08:00 - How society fills the values vacuum

10:00 - Building interdependent families vs. independent individuals

11:00 - The roots and wings philosophy

13:00 - Creating a family compound mindset

15:00 - The power of family stories and traditions

19:00 - Building close grandparent relationships

21:00 - Preserving family history through recordings

23:00 - Changing paradigms: Rethinking college and career paths

26:00 - Journaling family stories for future generations

28:00 - Creating family mantras and values

30:00 - Protecting children from cultural vampires

33:00 - Traditional family roles in modern society

35:00 - Giving children a strong family identity

37:00 - How money amplifies existing character

39:00 - Setting your family's direction early

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Who do we actually owe our $36 trillion national debt to? What is the national debt? Why will it never be repaid? In this solo episode, Hans tackles this rarely asked but crucial question as he continues his "Know Your Enemies" series on understanding central banking.

Hans explores the counterintuitive reality that the national debt isn't meant to be repaid - it's an accounting system where government debt functions as an asset for dollar holders worldwide. By examining the perspectives of economist Michael Hudson, he reveals the strange mechanics behind modern monetary policy.

From the bizarre relationship between the Treasury and Federal Reserve to why interest rates should remain steady despite political pressure, Hans breaks down complex financial concepts to help listeners understand what's happening with America's financial system and its global implications.

The Illusion of National Debt: An exploration of the counterintuitive reality that national debt isn't meant to be repaid. Government debt functions as an asset for dollar and treasury holders, creating a system where debt must continue to exist and grow rather than be eliminated.

Three Pillars of American Debt: A breakdown of the three main holders of US debt: everyday people with paper currency, foreign central banks with treasury bills, and the Federal Reserve itself. This creates a bizarre accounting situation where part of the government is indebted to another part of itself.

Global Dollar Dominance: An examination of how military and financial systems work together to maintain dollar supremacy worldwide. Dollars flowing internationally benefit Americans, even while creating problematic dependencies in the global financial system.

Modern Monetary Theory Critique: A presentation of alternative perspectives on debt sustainability, acknowledging theoretical insights while questioning whether this system can continue indefinitely without major problems as interest payments grow.

➡️ Chapters:

00:00 - Introduction to Know Your Enemies Series

01:00 - Trump, Powell, and Interest Rate Debates

04:00 - Two Factors: Interest Rates vs. Congressional Spending

08:00 - Why Lowering Interest Rates May Not Work

12:00 - Key Questions About National Debt

14:00 - Government Debt as an Asset for Others

19:00 - The Federal Reserve's Unusual Relationship with Treasury

23:00 - Michael Hudson's Perspective on National Debt

27:00 - Paper Currency as Government Debt

31:00 - How Dollars Circulate Globally

35:00 - Foreign Central Bank Reserves

39:00 - The Dollar Standard Replacing Gold

45:00 - The Federal Reserve Holding Treasury Bills

49:00 - Why the Debt Can't Be Repaid

53:00 - Financial Markets vs. Real Economy

57:00 - National Security Risks of Debt

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What is the value of a dollar? In this episode of Remnant Finance, Hans and Brian explore the concept that not all dollars are created equal. They discuss how the value of your money changes dramatically depending on where it's stored, how it's invested, and what phase of life you're in.

From emergency funds to retirement planning, they challenge conventional financial wisdom and explain why simply chasing higher returns isn't always the best strategy. The discussion dives into how liquidity, accessibility, and guarantees can often be more valuable than pure growth potential.

Through real-world examples and case studies, this episode offers a fresh perspective on financial planning that goes beyond account balances to consider the true value and utility of every dollar in your personal economy.

Not All Dollars Are Created Equal: When a dollar bill is held in your pocket, it's the same as any other. But once that money is put into motion - invested, saved, or spent - its true value changes based on accessibility, guarantees, liquidity, and many other factors that are often overlooked in conventional financial planning.

The Dangers of Conventional Financial Wisdom: The common advice that focuses solely on account balances and growth rates ignores or minimizes crucial factors like accessibility, guarantees, and tax implications. This blanket financial advice can lead people to make devastating financial decisions without considering their individual circumstances.

The Power of Liquidity in Uncertain Times: A compelling case study reveals how a wealthy client struggled to secure a mortgage despite having millions in collateral, until they could provide $600,000 in liquid cash deposits. This real-world example demonstrates how cash value life insurance policies can provide guaranteed access to capital when traditional financing becomes restricted.

Planning for an Unpredictable Future: Creating financial plans that can withstand unexpected events is more important than relying on historical market performance. With major disruptors like AI on the horizon and economic uncertainty, liquidity and guaranteed access to capital will be increasingly valuable.

Estate Planning Considerations: The often-overlooked estate phase of financial planning highlights how different assets pass to heirs and why life insurance death benefits offer significant advantages in terms of tax treatment, probate avoidance, and guaranteed value.

▶️Chapters:

00:00 - Understanding Dollar Value

01:00 - Brian's Office Setup & Hans's Finger Injury

03:00 - The Value of a Dollar - Not All Equal

05:00 - Three Things You Can Do With Money

08:00 - Bad Financial Planning & Blanket Advice

13:00 - Report Card for Your Dollars

15:00 - Planning for the Future vs. Past Performance

21:00 - AI as a Major Economic Disruptor

26:00 - Case Study: Mortgage Access & Liquidity

34:00 - Benefits of Cash Value Life Insurance

37:00 -Waiver of Premium Rider Benefits

39:00 - Estate Planning & Death Benefits

44:00 - Final Thoughts: Grading Your Dollar's Performance

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“Most peoples’ understanding of life insurance comes from someone else’s misunderstanding”

Bad inputs lead to bad outputs. For many people, bad input stems from Dave Ramsey. In this episode, we provide a thorough analysis of Dave Ramsey's erroneous claims about whole life insurance, addressing fundamental flaws in his understanding of the concept of cash value. The discussion centers on a recent Dave Ramsey Show clip where he dismisses whole life insurance as a poor financial tool, providing blanket financial advice without a single exploratory question about the caller’s personal situation.

Hans and Brian methodically break down each of Ramsey's claims, offering point-by-point rebuttals backed by real-world illustrations and actuarial principles. They explore how a proper understanding of insurance mechanics reveals a very different picture than what Ramsey presents to his audience.

Through detailed policy illustrations and clear explanations, the episode demonstrates why whole life insurance is an invaluable financial tool when properly understood and structured, especially for those interested in multi-generational wealth planning.

The Cash Value Misconception: The fundamental understanding of cash value presented by Dave Ramsey is fatally flawed. The episode explains that cash value is not a separate savings account that the insurance company "keeps" upon death, but rather the net present value of your future death benefit.

Real Policy Illustrations: An actual policy illustration debunks the claim that "they keep your cash value when you die." The example shows how a policyholder can withdraw significantly more than they contributed while still maintaining a substantial death benefit for their heirs.

The Value Beyond Rate of Return: The narrow focus on rate of return when evaluating whole life insurance misses the point. Not only is Dave’s internal rate of return analysis demonstrably wrong, but it ignores numerous other returns and valuable contractual rights inherent to the whole life contract.

Legacy Planning vs. Self-Focus: A multi-generational wealth approach contrasts with a more limited retirement-focused perspective, highlighting how properly structured life insurance can ensure wealth transfers efficiently across generations rather than forcing each new generation to "start over."

▶️Chapters:

00:00 - Welcome to Remnant Finance

01:00 - Life Updates and Moving Challenges

04:00 - Dave Ramsey's Take on Whole Life Insurance

08:00 - Analyzing Term vs. Whole Life Cost Comparison

12:00 - Debunking Dave's Cash Value Claims

17:00 - Misunderstanding Cash Value as a Separate Account

25:00 - Explaining What Cash Value Actually Is

31:00 - Using the "Altitude" Analogy for Cash Value

42:0 - Illustration of Actual Policy Performance

49:00 - Legacy Planning vs. Self-Focused Retirement

55:00 - Compensation Models: Commissions vs. Asset Management Fees

01:02:00 - Dave's Lack of Understanding About Infinite Banking

01:09:00 - Final Thoughts on Making Informed Financial Decisions

Got Questions? Reach out to us at info@remnantfinance.com or book a call here!

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Are you unconsciously spending on things that don't matter? In this episode, Brian and Hans tackle one of the most common questions they receive from clients: "How do I find money to fund my IBC policy premium?" Together, they explore practical strategies for identifying suboptimal capital in your economy and shifting how you think about premium payments entirely.

Their candid conversation reveals how most Americans are managing cash flow without intentionality, letting dollars slip through their fingers. As Brian points out, "The money comes into the account, the money goes out, you don't know where it went." This unconscious approach to finances creates a significant opportunity for those willing to analyze their spending patterns.

We discover why understanding your current financial patterns is the crucial first step to taking control of your banking function. Hans reminds us that "more than the dollars, the control is what's valuable here," highlighting that the real power of implementing an Infinite Banking Concept system lies not just in wealth accumulation, but in the financial freedom it provides through intentional money management.

Unconscious Spending Habits: Most people are unknowingly spending at least 10% more than needed on things that don't truly matter. Brian and Hans discuss how analyzing your spending patterns for just a few months can reveal significant "found money" without sacrificing your quality of life or adopting extreme frugality.

Reimagining Premium Payments: Unlike other types of insurance, whole life policy premiums should not be viewed as expenses but as wealth transfers. The paradigm shift is recognizing that these dollars will return to you either through cash value access during your lifetime or as a tax-free death benefit to your family later, completely changing how you approach funding decisions.

Strategic Funding Sources: The conversation explores multiple places to find premium dollars, including: converting your emergency fund to a more efficient vehicle, optimizing other insurance deductibles, redirecting investment capital gains, repurposing qualified retirement funds, and capturing "excess flows" like bonuses or social security cap savings.

Taking Control Through Intentionality: Hans emphasizes that you already have a distribution plan for your money whether you're conscious of it or not. The value in the IBC approach isn't just the financial growth, but the control it gives you over your financial system, allowing decisions based on certainty rather than hope.

▶️Chapters:

00:00 - Introduction and Unconscious Spending

01:00 - Catching Up on Recent Events

05:00 - The Impermanence of Possessions

08:00 - Cultural Censorship Discussion

12:00 - Finding Money for Premiums

15:00 - Understanding Your Distribution Plan

18:00 - Emergency Fund Optimization

22:00 - Raising Insurance Deductibles

24:00 - The Premium Paradigm Shift

28:00 - Capital Gains and Tax Efficiency

33:00 - Leveraging Qualified Funds

37:00 - Future Cash Flows and Flexibility

42:00 - Capturing Excess Income Streams

45:00 - Final Thoughts and Wrap-Up

Got Questions? Reach out to us at info@remnantfinance.com or book a call here!

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When you look at historical volatility, when it starts to whiplash like this, it gets more and more severe—so the big question is, are you ready for that?

In this episode, Hans and Brian talk with Scott Osborne about navigating market volatility and developing strategies to protect your assets during economic uncertainty. Scott shares insights on how to approach market fluctuations with discipline and why having access to "dry powder" through infinite banking can be crucial during market downturns.

The conversation explores the recent sharp market volatility triggered by tariff announcements and the subsequent recovery. Are you prepared for increasing market whiplash effects that historically become more severe once they begin?

This discussion provides practical advice for both accumulation and distribution phases of wealth management, showing how the right financial structure can help you weather volatility and potentially capitalize on it with strategic positioning.

Disciplined Long-Term Strategy: Trying to time market tops and bottoms is a losing strategy, with data showing that missing just the 10 best market days over 30 years can cut returns in half. The focus should be on maintaining a disciplined approach to investing rather than making emotional decisions.

Financial Flexibility Advantage: Having accessible capital during market downturns creates opportunities. Infinite banking and cash value life insurance provide guaranteed access to funds without bank approval or concern about interest rate fluctuations.

Retirement Protection Framework: Retirees can shield themselves during market volatility by creating a 3-5 year buffer of guaranteed income. Bond laddering offers an alternative approach for those who don't use infinite banking.

Strategic Tax Opportunities: Market downturns create prime conditions for tax-loss harvesting and Roth conversions, potentially saving significant money on taxes while repositioning assets for future growth.

▶️ Chapters:

00:00 - Introduction and Market Volatility Preview

03:00 - Emotional vs. Data-Driven Investing

06:00 - Historical Market Performance After Downturns09:00 - Statistics on Missing the Market's Best Days

12:00 - Accessing Capital During Market Dips

17:00 - Tuning Out Market Noise and Following Your Plan

22:00 - Home Equity Loans vs. Policy Loans

27:00 - Sequence of Returns Risk in Retirement

32:00 - Creating a Retirement Income Strategy

38:00 - Current Market Anomalies and Macroeconomic Shifts

44:00 - Bond Strategies for Retirement Planning

51:00 - Final Thoughts on Controlling What You Can

Visit Patriot Wealth Planners and learn how to protect your wealth while maximizing growth potential!

Got Questions? Reach out to us at info@remnantfinance.com or book a call here!

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