Kira Nyland

Most people treat a mortgage like a race to the finish line—get the lowest rate, pay it off fast, and celebrate being “debt-free.” But that mindset often leads to the opposite of freedom. Families end up house-rich and cash-poor, sitting on equity they can’t touch when life happens or when opportunity knocks. The faster they…

In today’s world, most people are living with a false sense of financial security. They work hard, follow traditional advice, and try to “do the right things.” Pay off the house. Max out the 401(k). Avoid debt at all costs. But when life happens—a job loss, an economic downturn, or an unexpected expense—they quickly discover…

In this episode of the Wade Borth Podcast, Wade and guest Kira discuss the emotional and financial journey of parents as they transition to empty nester life with a child in college. Gain insightful perspectives on balance, independence, and financial wisdom—essential for every parent facing this stage. Don’t miss Kira’s unique insights and Wade’s seasoned…

In this “Best of 2025” episode of the Wade Borth Podcast, explore transformative insights on building personal banking systems, the security of life insurance, and a real client’s inspiring Infinite Banking Concept (IBC) journey. A highlight is guest Nate Scott’s enlightening perspective on infinite banking stages. Essential listening for anyone seeking to redefine financial freedom…

For generations, people have been told the same story: put your money in retirement accounts, hand it to institutions, and hope it’s still there when you finally need it. It’s sold as wisdom, but it’s really convenience—for the system, not for you. That advice benefits the banks, the brokers, and the government programs that use…

Every so often, life blares a siren—sometimes literally, sometimes financially—and in that moment, you discover whether you’ve been preparing or procrastinating. It could be a storm, a sudden job loss, a medical emergency, or a market shock. Whatever form it takes, crisis exposes systems. The people who fare best aren’t lucky—they’re ready. They already know…

In today’s, Wade explores the idea that what got you here won’t get you where you want to go. He breaks down why rethinking your thinking is essential for growth and how “arrival syndrome” can quietly hold you back. Wade also touches on leading yourself in the Five Areas of Life, letting go of what…

In this episode, Wade breaks down how “financial sewer backups”—market downturns, emergencies, recessions, and income loss—can blindside families and business owners. He explains why liquidity, cash reserves, and intentional planning are the key to surviving financial crises, protecting your wealth, and finding opportunities when others panic. If you want a practical, no-nonsense guide to building…

Most people feel it—payments everywhere, markets swinging, pressure rising. The instinct is to find a “hotter” investment or chase higher returns to make the noise stop. But the answer isn’t yield. It’s order. It’s control. It’s liquidity. In finance, sequence matters more than almost anything else. If you start from the wrong place—hoping volatility will…

In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America’s growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the “low payment” and not the true cost,…

For most service members, the transition into retirement is a blur of acronyms, briefings, and deadlines. You’ve spent decades mastering your craft, but only a few short hours deciding how to protect your family’s financial future. When the time comes to make a decision about the Survivor Benefit Plan (SBP), many retirees simply check the…

In this episode of The Wade Borth Podcast, Wade breaks down the recent headlines about NASCAR driver Kyle Busch allegedly losing $8.5 million in an Indexed Universal Life (IUL) scheme—and why stories like this create so much confusion about life insurance. Wade explains the likely factors behind the situation, including premium financing and unrealistic illustrations,…