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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We in America have a massive savings problem, and while cash flow is crucial for banking, you can't flow money you don't have. The proliferation of misinformation on social media has created confusion about what infinite banking actually is versus the investment schemes being marketed under its name.

In this episode, a real-world case study demonstrates how properly capitalizing an infinite banking system enabled securing 5+ acres of farmland with a clean cash offer, competing against commercial developers. This example illustrates the power of having liquid capital when opportunity strikes, rather than immediately leveraging policies for investments.

The conversation cuts through the TikTok noise to emphasize that banking is a higher-order activity than investing. Building a solid capital foundation should come before chasing returns, and true infinite banking focuses on taking over the financing function in your life, not arbitrage plays or rate-of-return strategies.

The Land Deal Case Study: A practical demonstration of infinite banking's power when 5+ acres behind a new home hit the market. The ability to outcompete commercial builders with a clean cash offer, no contingencies, and quick closing came from having properly capitalized the system rather than immediately leveraging it for investments.

Banking vs. Investing Hierarchy: Banking is emphasized as a higher-order operation than investing. You need to accumulate and preserve capital first, then understand how to control cash flow in and out of your system. Investing should only come after your protection and savings foundation is solid.

The TikTok Problem: Addressing the misinformation spreading on social media about infinite banking being used for immediate arbitrage plays or laddering with IULs. True infinite banking focuses on taking over the financing function in your life, not chasing rates of return.

Emergency-Opportunity Fund Strategy: Before using infinite banking for investments, establish clear tiers: emergency fund minimums, opportunity fund above that, and only then investment capital. Learn something well before risking money in it, whether that's real estate, options trading, or any other investment vehicle.

➡️Chapters

00:00 - Opening: America's Savings Problem

01:00 - Estonia Trip & Real Estate Changes

02:00 - The Land Opportunity Case Study

04:00 - Competing with Commercial Developers

06:00 - Quality of Life vs. Cash Flow Investments

08:00 - The Simplicity of Policy Loans

10:00 - Banking as Higher-Order Activity

12:00 - The Arbitrage Misconception

14:00 - Nelson Nash's Original Vision

16:00 - Owning vs. Financing Assets

18:00 - Security vs. Speculation

20:00 - The Banker Always Wins

22:00 - Policy Loan Mechanics Explained

24:00 - Emergency vs. Opportunity vs. Investment Tiers

26:00 - Learning Before Leveraging

28:00 - Market Data Reality Check

32:00 - Protection Before Wealth Building

34:00 - Long-Term Market Returns Analysis

36:00 - The Nuclear Power Analogy

38:00 - Focus on Foundation, Not Hype

40:00 - Taking Over Your Banking Function

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The markets are moving like a rollercoaster, driven by tweets and geopolitical tensions that shift from World War III fears to peaceful resolutions within weeks. Headlines change faster than investment strategies can adapt, leaving many wondering whether anything has fundamentally changed or if it's all just noise.

In this episode, Hans welcomes back Joe Withrow, founder of the Phoenician League, to discuss how to maintain a long-term investment strategy amid short-term chaos. Their conversation cuts through the daily market drama to examine what matters for building lasting wealth.

The discussion reveals why the fundamentals haven't changed despite daily headlines, and how tools like Infinite Banking Concept (IBC) can serve as the foundation for building generational wealth that transcends market volatility and creates financial freedom for future generations.

Check out Joe’s work at https://joewithrow.com/, or visit https://phoenicianleague.com/ to learn more about the Phoencician League.

The Two-Tiered Investment Approach: A philosophy of separating investments into financial security (gold, Bitcoin, strategic stocks) and financial independence (real estate, mortgage notes, cash flow investments). This framework helps investors stay focused on long-term wealth building rather than getting caught up in daily market swings.

IBC as Financial Foundation: How Infinite Banking Concept serves as a strategic cash warehousing system outside the traditional banking framework. Beyond tax advantages, IBC provides the flexibility to capitalize on opportunities while building toward generational wealth transfer that can end the "rat race" for future generations.

Government Spending Reality Check: Despite initial optimism about DOGE and spending cuts, the conversation reveals why meaningful budget reductions remain unlikely. With only $9.4 billion in rescission bills compared to trillion-dollar deficits, the system continues its trajectory of money creation and asset price inflation.

Resilience Beyond Finance: Building non-financial resilience through home preparedness, local community connections, and relationships with local farmers. This approach acknowledges that true security comes from people and community, not just portfolio performance.

➡️ Chapters:

00:00 - Introduction and Market Volatility Overview

02:00 - Joe Withrow's Background and Investment Philosophy

05:00 - Recent Geopolitical Events and Market Impact

08:00 - The Two-Tiered Investment Strategy Explained

11:00 - IBC's Role in Wealth Building Strategy

14:00 - Generational Wealth and Breaking the Rat Race

17:00 - Dollar-Cost Averaging and Market Timing

20:00 - DOGE Disappointment and Spending Reality

24:00 - Government Asset Monetization Possibilities

27:00 - System Collapse vs. Muddling Through

31:00 - Building Community and Local Resilience

34:00 - Real Estate and Practical Wealth Applications

37:00 - Homeschooling and Educational Freedom

41:00 - Dollar System Evolution and Stablecoin Strategy

47:00 - Venetian League Network and Implementation Focus

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The writing is on the wall: government spending isn't going down, and inflation isn't going away. In this episode, we dive deep into the harsh reality that even Elon Musk's DOGE couldn't meaningfully cut federal spending - and what that means for your financial future. If the richest man in the world with unlimited resources can't trim the budget, no one can.

This isn't political pessimism; it's economic realism that demands a strategic response. We break down why traditional approaches to inflation protection aren't enough anymore and share how to position for a world where asset prices must rise faster than the cost of living.

We explore the psychology of market volatility, the power of disciplined diversification, and why trying to time sectors based on geopolitical events often backfires. From AI-powered trading platforms to the delegation versus DIY decision, this conversation covers the practical strategies needed to build wealth in an inflationary world.

The DOGE Reality Check: Why the failure of the Department of Government Efficiency to meaningfully cut spending signals that federal expenditures will only continue growing. With both parties resistant to real cuts, the math is simple: continued money creation equals sustained inflation, making traditional savings strategies inadequate.

The Inflation Tax Nobody Talks About: Every dollar the government spends is either collected through direct taxes or the hidden tax of inflation. With tax cuts in the pipeline and spending increases continuing, inflation becomes the primary funding mechanism - meaning your purchasing power is the government's revenue source.

Building Anti-Inflation Portfolios: The approach to constructing portfolios that don't just keep up with inflation but meaningfully outpace it. This emphasizes owning assets that benefit from rising prices rather than being victims of them, and why diversification beats sector speculation every time.

Why Market Timing Fails: From tariff announcements to Middle East conflicts, we explain why trying to trade around news events typically destroys wealth rather than creating it. Real examples show how disciplined rebalancing during volatility serves investors better than reactive trading.

The AI Trading Revolution: Discussion of experiments with AI-powered forex trading platforms generating 1% weekly returns, plus perspective on how AI will likely impact both retail investing and professional wealth management. The conversation covers both opportunities and realistic limitations.

The Delegation Decision: When does it make sense to manage your own investments versus working with a professional? The philosophy on building competence while recognizing when expertise and time management favor delegation.

➡️ Chapters:

00:00 - The Inflation Reality

01:00 - Welcome Back & Personal Updates

05:00 - From Tariffs to Hot Wars: Market Whiplash

06:00 - The DOGE Failure: Why Spending Never Decreases

08:00 - Bureaucracy vs. Efficiency: The Musk Experience

11:00 - Inflation as the Hidden Tax

16:00 - Building Portfolios That Outpace Inflation

19:00 - Real Estate Reality Check

21:00 - The Danger of Emotional Sector Investing

24:00 - Disciplined Rebalancing vs. Tweet Trading

27:00 - The 30-Year Vision Approach

32:00 - AI in Trading and Wealth Management

38:00 - Market Efficiency and AI Limitations

41:00 - The Delegation vs. DIY Decision

47:00 Final Thoughts: Plan, Process, Implement

Visit Patriot Wealth Planners to learn how to protect your wealth while maximizing its growth potential.

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Military service members who stood against COVID mandates faced unprecedented retaliation, but the tide is turning. In this powerful episode, Mark Bashaw celebrates his presidential pardon from Donald Trump while interviewing Hans from Remnant Finance, a former Navy helicopter pilot whose 14-year career was derailed by refusing unlawful orders.

Their conversation reveals how military persecution led to financial awakening and the discovery of infinite banking as a path to true financial independence. Hans shares his transformation from conventional financial thinking to understanding how specially designed whole life insurance policies can replace traditional banking relationships.

This episode demonstrates how crisis can become opportunity, showing service members and civilians alike how to build resilient financial strategies that withstand government overreach, career disruption, and economic uncertainty.

Presidential Pardon Victory: A full unconditional pardon from President Trump validates the stance against experimental COVID mandates, representing vindication for service members who sacrificed their careers to uphold constitutional principles and medical freedom.

From Naval Aviator to Financial Educator: The journey from being on track for squadron command to discovering infinite banking concepts during a two-year grounding demonstrates how crisis can lead to unexpected opportunities and financial awakening.

The Infinite Banking Concept: Rather than surrendering control to banks, infinite banking allows individuals to become their own source of financing through whole life insurance policies, providing guaranteed growth and flexible capital access.

Military-Specific Financial Challenges: Unique vulnerabilities faced by service members include sudden career disruption and inadequate coverage, emphasizing how military families need robust strategies that can withstand unexpected job loss and career-ending events.

Protection Before Growth Philosophy: Establishing financial protection and savings before pursuing growth investments ensures families can survive income disruption while building wealth through guaranteed vehicles rather than market speculation.

➡️Chapters:

00:00 - Introduction and Mark's Presidential Pardon

05:00 - Welcome Hans from Remnant Finance

08:00 - Hans's Military Background and COVID Mandate Resistance

12:00 - Two Years of Career Limbo and Financial Discovery

18:00 - Contract Disputes and Debt Collection Harassment

24:00 - Navy's Retaliation Through Cross-Country Orders

28:00 - Family Decisions and Religious Accommodation Success

32:00 - Introduction to Infinite Banking Concepts

36:00 - Banking Function and Capital Control

40:00 - Protection, Save, Grow Philosophy

44:00 - Human Life Value and Insurance Needs

48:00 - Why Insurance Companies Don't Default

53:00 - Policy Loans and Multiple Uses of Capital

58:00 - Contact Information and Final Thoughts

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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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