Kira Nyland

When most people think about retirement, they picture a one-size-fits-all solution: dump money into a 401(k), wait until you’re 65, hope the market cooperates, and start withdrawing. That’s the model we’ve been sold. But here’s the truth—it wasn’t built for you. It was built for the masses. It’s a cookie-cutter system designed to keep you…

In this final installment of the Tough Money Mastery series, Wade Borth and returning guest David Zapata wrap up their discussion on building financial abundance and purpose. They explore the deeper “why” behind Infinite Banking, challenge traditional retirement and accumulation mindsets, and share practical ways to align your finances with every area of life. From…

Over the years of working with families, business owners, and individuals, I’ve found that the most powerful transformations don’t come from a product or investment—they come from a process. That process boils down to three simple steps: Awareness. Education. Action. It’s more than a strategy—it’s a mindset shift. It’s what moves people from uncertainty to…

In this continuation of the Tough Money Mastery series, Wade Borth welcomes back David Zapata to explore how to take control of your financial life through strategic leverage and intentional money flow. They discuss four more of the twelve key ideas for mastering tough money—including how to supercharge investments, maximize lending returns, integrate banking functions…

When it comes to financial planning, one of the most common questions I hear is: “How safe are life insurance companies?” It’s a fair question—and a smart one. We’re all looking for certainty in uncertain times. Whether you’re investing in a policy or just exploring financial strategies, you want to know the institution you’re trusting…

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.…