Episodes

  • Index Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.

    Index Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.
    Nov 3 2025
    Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic. Index annuities and life provide unlimited upside potential with no downside market risk. The principle is guaranteed. This ensures you never lose money. Gains can be locked in at any time. Also, you can set automatic high and low bands to lock in gains. Ferenc has access to 600+ index options. He has access to proprietary software that includes 1, 3, 5, and 10-year historical returns. This ensures you have the indexes with the highest potential upside and strong track records. Ferenc is typically able to increase index returns 2-4X higher than competitive products because most people do not have the best index options with their index annuity and life products. If you want more info or compare products contact Ferenc at ferenc@yourpersonalbank.com. The info needed for a no-cost or obligation comparison quote: 1. Age 2. State 3. Amount considering to fund 4. Email

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    54 mins
  • The Buffett Indicator has Hit 217%, the Highest ever Recorded.

    The Buffett Indicator has Hit 217%, the Highest ever Recorded.
    Oct 27 2025

    Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble, citing a Bank of America survey where 54% of investors believe AI stocks are in a bubble. Ferenc highlights the concentration of wealth in tech stocks, with the top five companies representing about 30% of the S&P 500. He emphasizes the risks of market corrections, potential volatility, and the importance of diversification. Ferenc promotes index annuities and life products to continue unlimited upside potential while protecting downside market risk.

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    54 mins
  • Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028

    Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028
    Oct 20 2025

    Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will need 70 new nuclear reactors to meet the needs of data centers by 2028. Ferenc also notes the disparity between high and low-income consumer confidence, with the top 1/3 of earners feeling 25% more confident. He advises reducing market risk through annuities and index products, emphasizing the importance of long-term investment strategies and risk management.

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    54 mins
  • How to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market Risk

    How to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market Risk
    Oct 13 2025

    Ferenc Toth, a financial literacy educator, speaker, and entrepreneur, discusses the financial strategies and risks associated with the current market. He highlights the importance of understanding financial tools and making informed decisions. He emphasizes the benefits of Your Personal Bank, which offers high cash value policies, and annuities with unlimited upside potential and no downside market risk. He warns of the potential AI bubble, citing high valuations and the risk of a market correction. Ferenc advises on mitigating capital gains taxes through various strategies, including charitable trusts and partial conversions. He encourages listeners to scale out of market assets to subject to market risk due to extreme asset valuations.

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    54 mins
  • The AI Bubble is the Only Thing Keeping the US Economy from Recession

    The AI Bubble is the Only Thing Keeping the US Economy from Recession
    Oct 4 2025

    Ferenc Toth discusses the impact of the recent federal government shutdown, noting that 75% of employees are essential and 25% are non-essential, with the latter potentially facing termination. He criticizes the federal government's excessive spending, which has increased by 54% since pre-COVID times, despite a 2% population growth. Toth also addresses the AI bubble, citing a Deutsche Bank study predicting a severe correction when the bubble bursts. He emphasizes the importance of reducing market risk and suggests a conservative investment strategy, including annuities and high cash value policies, to mitigate potential losses.

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    54 mins
  • The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?

    The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?
    Sep 29 2025
    Ferenc discussed the impact of the Federal Reserve's interest rate cuts on mortgage rates, which unexpectedly rose due to high federal debt levels. He highlighted the current AI bubble, comparing it to historical bubbles like the dot-com era and tulip mania. Ferenc noted that the top 10% of income earners account for half of consumer spending, a concerning sign. He emphasized the importance of reducing market risk by investing in fixed assets and annuities, which offer unlimited upside potential and principal guarantees. Ferenc also warned of impending corrections in both the stock and real estate markets, driven by economic slowdowns and high interest rates.

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    49 mins
  • The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?

    The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?
    Sep 23 2025

    Ferenc discussed the Federal Reserve's recent interest rate cut despite high asset prices, debt, and inflation. He highlighted the dual mandate's counteractive nature and the political influence on rates. Ferenc noted the AI euphoria, with the S&P 500's top seven tech companies accounting for 35% of its market cap. He emphasized the fragility of CPI data, with about a third of the calculations based on estimates. Ferenc shared that current consumer spending is relying on the top 20% of Americans. He also discussed the impact of rising home prices, mortgage costs, and the potential for a recession. He advocated for fixed assets and annuities to mitigate risks.

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    48 mins
  • Our Country is at a Turning Point Due to the Charlie Kirk Assassination

    Our Country is at a Turning Point Due to the Charlie Kirk Assassination
    Sep 16 2025
    Charlie Kirk was assassinated. He is a martyr. He was murdered in cold blood because someone disagreed with his ideas. Charlie was killed because he was effective. This proves the enemy was scared of him. Charlie threatened the left's power. Our country is at a turning point. We either encourage debate or we go in a really dark direction. Charlie Kirk stated the reason he debated those who disagreed with him is when people stop talking, they resort to violence. Our country has been here before. When the South's representatives stopped talking and resigned their positions, that is when the shooting started.

    If you attack people's character instead of their ideas, you are part of the problem, not part of the solution. Be the solution. That is the only way forward.

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    51 mins