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.

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

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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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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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