Podcast

In the final episode with Wade, Todd, and David, the conversation shifts from philosophy to history and mentorship. Wade asks what has changed in the financial industry over the past several decades and what hasn’t. Todd reflects on the early days before computers, the impact of mentors like Norman Baker, the myth of “deals” in…

In part two, Todd shares the essential ideas he believes every advisor and client should understand: the difference between savings and investments, why life insurance belongs in the “certainty asset” category, how cash protects against both gray and black swan events, and why net worth isn’t the real target—cash flow and distribution are. The trio…

In part one of this three-part conversation, Wade Borth sits down with Todd Langford and David Zapata — two thinkers who have been reshaping how advisors and clients approach money. Together they break down why most financial decisions are emotional rather than mathematical, why small behavioral shifts create massive compounding effects over time, and why…

In this episode, Wade breaks down the numbers behind America’s growing retirement crisis and why so many families struggle to build meaningful retirement accounts. Instead of simply blaming market volatility or lack of discipline, he explores deeper causes—from generational inheritance expectations to the hesitation younger savers have about locking money away for 30+ years in…

In part two of this conversation, Wade and Suzanne White pull back the curtain on how commercial property and casualty insurance actually works behind the scenes. They explore premium financing, non-standard policies, minimum earned premiums, and the hidden costs many business owners unknowingly accept just to stay insured. Suzanne explains how a lack of liquidity…

In this episode, Wade sits down with Suzanne White to uncover one of the most overlooked pillars of financial protection for business owners: commercial property and casualty insurance. Together, they explore why P&C is often treated as a checkbox instead of a strategic foundation, how COVID exposed dangerous gaps in liquidity, and why siloed advisors…

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…

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…

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,…

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,…