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Let’s be honest—Infinite Banking is not easy to explain. You can read Nelson Nash’s Becoming Your Own Banker (and you should), but even then, most people walk away confused or unsure how to apply it. They might understand the mechanics — fund a whole life policy, borrow against it — but that’s just scratching the…

In this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether…

How It Helps You Control the Banking Function and Build Generational Wealth “Should I take out a life insurance policy on my child?” It’s a question that often brings mixed emotions. Some people hesitate to even consider it—but when you look deeper, the benefits are both practical and powerful. Through the lens of the Infinite…

How to Control the Banking Function and Build Wealth on Your Terms Taking control of your financial future means more than just budgeting or cutting expenses—it means rethinking how money flows through your life. The Infinite Banking Concept (IBC) gives you the power to do just that by helping you control the banking function yourself,…

Why Life Insurance—and Learning to Control the Banking Function—Matters More Than Ever Life has a way of reminding us that we’re not in control of everything. Sometimes those reminders hit close to home. I got a call I’ll never forget. One of my clients was on the other end, and I could tell something was…

In this episode of the Wade Borth Podcast, Wade reflects on how his approach to working with clients has evolved with greater intentionality and purpose. He shares the three-step framework that drives every client relationship: awareness, education, and action. Rather than jumping straight to products or solutions, Wade emphasizes the importance of understanding your unique…

(Yes—Especially When You Learn to Control the Banking Function) Is whole life insurance the greatest savings vehicle ever created? My answer? Without hesitation—yes. But not just because I work in this space. It’s because when properly structured, a whole life policy doesn’t just store your money—it gives you a lifetime of control over your capital.…

Today on the Wade Borth Podcast, Wade challenges the traditional view of retirement and encourages listeners to rethink what it truly means. Whether you see retirement as retooling, relaxing, or chasing new adventures, one thing remains the same—your financial strategy should reflect your values, not someone else’s template. Wade explores why relying solely on market-based…

Legacy planning and generational wealth have become major topics in recent years—and for good reason. As the largest wealth transfer in history begins, a critical question emerges: How do we prepare the next generation not just to inherit wealth, but to use it wisely? At the center of it all is this simple but powerful…

In this episode of the Wade Borth Podcast, Wade addresses a common and important question: How safe are life insurance companies? Drawing from conversations with industry leaders and over 35 years of experience, Wade explains why mutually owned life insurance companies are some of the most stable financial institutions in the world. He breaks down…

In this episode of the Wade Borth Podcast, Wade dives deeper into the often-misunderstood concept of Infinite Banking. Instead of overwhelming listeners with financial jargon, he reframes the conversation using a more approachable framework: the Four Stages of Whole Life Insurance. From becoming a disciplined saver to evolving into a true Infinite Banker, Wade explains…

In this episode of The Wade Borth Podcast, Wade wraps up his deep dive into the eight key benefits of whole life insurance. Building on Part 1, he explores how privacy, tax-free death benefits, guaranteed monthly cash value growth, and income statement improvements make this asset a powerful tool for long-term financial confidence. If you’ve…