Remnant Finance - Infinite Banking (IBC) and Capital Control

Remnant Finance aims to revolutionize how you think about money. Join co-hosts Brian Moody and Hans Toohey, veteran military pilots and Authorized Infinite Banking Concept Practitioners of the NNI, as they dive deep into strategies that can transform your approach to personal finance. What’s Infinite Banking? It’s a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations. Join us as we challenge the conventional and build financial independence together. Subscribe to navigate your financial future with confidence!

Remnant Finance - Infinite Banking (IBC) and Capital Control is a business podcast hosted by Brian Moody & Hans Toohey, with 118 episodes on record and a Required Pod Score of 80.

Brian Moody & Hans Toohey hosts Remnant Finance - Infinite Banking (IBC) and Capital Control, a business show with 118 episodes published.

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  Episode #118

  E118 - The Iran War Costs You More Than You Think…

  Sep 25, 20261h 7mS1

  Book a call: https://remnantfinance.com/calendar Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBEAfter being mobilized with his Guard unit in February and spending six months flying KC-135 tanker missions in the Iran war, Brian sits down with Hans just three days after landing home for his first unfiltered debrief. He walks through what it was actually like: open-ended orders that kept getting extended with no end date, rockets and missile intercepts in the air around him, congested airspace with multiple near misses, and living out of hotels in an Israeli town while bases a few miles away were locked down. From there, the conversation widens to the bigger questions. Brian and Hans make the case that this is a war of choice being run around Congress, question the stated justifications given that Iran's nuclear program was declared destroyed in June 2025, and dig into the fallout at home, from gas pushing $7 in California and diesel over $6 nationally to a Strategic Petroleum Reserve running near critical levels. Brian also shares his observations on daily life and culture in Israel, why the Guard and Reserve have quietly become the military's first-line tanker force, and what the loss of Gulf bases means for years to come. They close with what's next for Remnant Finance, including Remnant Frontier and an upcoming IBC presentation at Joe Withrow's Phoenician League investment summit. Chapters 00:00 – Opening segment 01:15 – Mobilized in February and the 90-day orders that kept extending 03:15 – Arriving in theater: rockets and missiles in the air 03:45 – Four weeks into a two-week war 04:20 – The Lincoln deployment and why open-ended orders are the worst part 06:15 – Shout out to Molly holding it down at home 07:05 – The Lincoln's first port call 08:55 – Flying under fire for the first time 09:50 – Near misses and the hardest flying of a 24-year career 10:55 – The KC-135 midair collision 11:55 – Casualties, base damage, and what's being reported 13:45 – War or "sustained operation"? The fight over benefits for the fallen 14:15 – Congress, the president, and war powers 15:30 – Does the nuclear justification hold up? 18:15 – Joe Kent, Tulsi Gabbard, and the intelligence assessments 20:10 – Gas prices, diesel, and the Strategic Petroleum Reserve 22:45 – Taxes, foreign aid, and Thomas Massie's impeachment articles 25:25 – The midterms and a choice between two bad options 26:10 – Grading the administration: immigration, spending, and COVID 31:05 – Day-to-day life deployed in Israel 32:50 – National pride and honoring the Sabbath 36:10 – Shabbat elevators and religious loopholes 38:30 – Driving culture and what it means to be a "friar" 41:50 – Is "Judeo-Christian" a real thing? 48:30 – What does victory look like? 49:45 – The June 2025 strikes and "demolished" nuclear capability 51:55 – Iran's track record of restraint since 1953 54:55 – How real is the nuclear threat? 57:55 – Why the National Guard became the first force 59:55 – Destroyed Gulf bases and the move to Diego Garcia 01:00:55 – Could Brian be sent back? 01:01:30 – Closing Segment Key Takeaways The hardest part of this deployment was not the danger but the uncertainty. Presidential activations for the Guard and Reserve can legally be extended up to two years, and Brian's orders were rolled forward again and again with no real end date. Brian and

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  Episode #117

  E117 - Why Pay Interest to Use My Own Money?! (The First Question Everyone Asks)

  Sep 18, 20261 hourS1

  Book a call: https://remnantfinance.com/calendar Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE Hans is running solo this week with Brian still overseas, so he opens with a macro roundup on the eve of the Fed decision: a failed Treasury buyback that the market refused to take seriously, a hot CPI print built on metrics almost nobody's life actually runs on, Brent and WTI both above $100, and diesel breaking $6 for the first time. Then he replays one of the most requested episodes in the catalog, because the question behind it never really goes away. Why would I pay interest to borrow my own money? The premise is wrong, and the correction matters. You are not borrowing your money, you are collateralizing it, and the difference is the entire reason the mechanism works. Hans and Brian walk through a $30,000 car bought with a 4% CD against a 5% loan and show you come out $2,500 ahead with negative arbitrage on paper, explain why paying cash is a one-way transfer you never get back, and close with a penny-a-day chart that explains why four years of waiting costs you most of the outcome. Chapters: 00:00 – Opening segment 05:30 – Macro roundup: the Fed decision and the case for 8% rates 06:20 – Bessent, off-the-run bonds, and a buyback the market ignored 10:20 – CPI comes in hot, and what "cooling inflation" actually means 12:20 – Hormuz, the Red Sea, and oil above $100 15:00 – Into the replay 19:20 – The question: why use a policy loan when I have cash in the bank? 21:40 – The $20,000 policy, base premium, and the paid-up additions rider 25:40 – "But it nets out to zero" and what that objection misses 30:40 – The $30,000 car: a 4% CD against a 5% loan 34:40 – You didn't make money on the car. You came out $2,500 ahead anyway. 37:20 – Rave Damsey, Joe Navy, and the cash flow sword 41:20 – Who controls the equation? 48:40 – Paying additional interest, and what Nelson actually meant 53:00 – A penny a day for 30 days Key Takeaways: You are not borrowing your own money. The phrase itself is the problem. A policy loan is money from the insurance company, collateralized by your policy values, which is exactly why the cash value keeps growing and keeps earning dividends as if you never touched it. Negative arbitrage on paper can still leave you ahead. Thirty thousand dollars compounding uninterrupted at 4% for five years reaches roughly $36,500. A 5% amortized loan on $30,000 over that same period costs about $34,000 on a decreasing balance. You paid the higher rate and still came out about $2,500 better, and nobody made money on the car. Paying cash is a one-way transfer. Avoiding interest also means permanently handing someone else the right to earn on that money. Whoever holds the cash flow sword collects the rate of return, and the dealership knows exactly what to do with it. Control is worth a point. If the arbitrage runs a percent against you in the short term, you are buying something real with it: no repossession, no foreclosure, no repayment schedule written by anyone but you. Paying additional interest means funding the PUA rider. It does not mean paying interest to yourself after the balance is gone. If Wells Fargo's money was worth 8% to you, your own capital should not suddenly be worth 5%, and the difference goes toward buying more paid-up additions. The last three days are where the money is. A penny doubled for 30 days reaches about $5.4 million. Cut the final three days and you have roughly $670,000. Starting on day four does not delay the outcome, it shrinks it.

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  Episode #116

  E116 - Every Institution I Trusted Broke Its Promise (So I Went Looking for One That Couldn't)

  Sep 11, 20262h 22mS1

  Book a call: https://remnantfinance.com/calendar Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE Hans joins Oto Gomes on the Oto Gomes Crypto Show for a long-form conversation covering his background, the end of his Naval Aviation career, and how a contract fight with the Navy led him to Infinite Banking. The episode opens with a macro segment on the August payroll number coming in at triple expectations, what a strong labor print does to the Fed's split mandate, and why the long end of the curve is not buying what Powell, Warsh, and Bessent are saying, with 52-week highs across the two, five, and ten year. Hans and Oto cover the Kennedy School years and learning macroeconomics from central bankers, the EUA statute and the right to refuse, the boilerplate denials that exposed the religious accommodation process, the recouped bonus and the debt the Navy handed to the Treasury, and the pediatrician appointment that ended the vaccine question permanently. From there they get into human life value and what most families are actually insured for, protect save grow as an order of operations, base premium versus PUA and why structure determines year one cash value, the policy loan and its absence of underwriting or repayment schedule, and the average rate of return fallacy that holds up even with perfect hindsight. Because Oto's audience operates in the private and Hans works in the public, they draw that line explicitly throughout. Chapters 00:00 – Opening Segment 02:20 – Public versus private, and which path this show takes 06:40 – Why the long end is calling the bluff 09:30 – COVID and taking every assumption down to the studs 11:03 – Navy aviation and the grad school program 12:30 – Cambridge, spring 2020, and the two weeks before the shutdown 16:20 – EUA products and the legal case against the mandate 20:40 – Boilerplate denials and a process built to reject 22:40 – Benched for two years, and looking for something to learn 24:30 – "You wrote the contract, I just signed it" 26:30 – The $60,000 bonus and the loan they invented 28:00 – Norfolk, and a billet that did not exist 30:10 – Separation, the Treasury, and 30% on top 33:00 – The class action and what the government settles for 35:00 – Researching the childhood schedule at 50/50 36:30 – The pediatrician appointment that ended the question 42:30 – Pensions, Title X, and the golden handcuffs 49:00 – The Kennedy School and learning macro from central bankers 52:00 – The Creature from Jekyll Island 54:30 – Being handed the book at Thanksgiving 2021 01:00:30 – Getting licensed, then picking it up to disprove it 01:02:30 – Two hundred years of case law and a contract that has never defaulted 01:04:40 – Pirates of Manhattan and whole life as a Tier 1 asset 01:09:00 – Human life value and what your family actually loses 01:11:30 – A McLaren insured like a Civic 01:14:40 – The asset report card and the job of a dollar 01:17:30 – Liability and creditor protection in 48 states 01:20:30 – The average rate of return fallacy 01:26:30 – Planning 30 years out and what that assumed in 1990 01:29:30 – Base premium, PUA, and cash value in year one 01:32:30 – The policy loan and who guarantees the collateral 01:39:30 – The collateral stack and the bank that still hesitated 01:55:00 – Who this is not for 01:57:00 – The mortgage analogy for base and PUA 02:02:00 – Series 65, Remnant Frontier, and the offensive coordinator 02:08:00 – The distribution problem and the 4% rule 02:12:30 – What happens if you clip the three worst years 02:17:30 – Closing Segment

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  Episode #115

  E115 - Harvard, the Navy, and the COVID Mandate (How I Lost Faith in Every Expert)

  Sep 4, 20262h 36mS1

  Book a call: https://remnantfinance.com/calendar Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE Hans joins Sean King's podcast for a long-form conversation covering his background, the collapse of his Navy aviation career, and how a contract fight with the Department of Defense led him to Infinite Banking. The episode opens with a macro segment on Jackson Hole, Kevin Warsh's dismantling of forward guidance, and the Treasury's expanded buyback of off-the-run bonds, plus rising bond yields across Japan, the US, the UK, and Germany. Hans and Sean cover the criticisms of whole life that are worth engaging and the ones that are factually wrong, why he financed a car through a dealer instead of taking a policy loan, where he departs from the purist position on loan repayment, how he sizes an emergency fund using a daily burn rate and a 365-day runway, and why every dollar should be evaluated against the job it is actually doing. They close on low stress options trading as an income strategy, and on Remnant Frontier, the asset management arm Hans is building to bridge the gap between the IBC world and the CFP world. Chapters 00:00 – Opening Segment 00:36 – Macro: Jackson Hole and the end of forward guidance 08:16 – The Treasury put and the September 9th buyback 12:03 – Global bond yields and the yen carry trade 13:54 – Hormuz, oil, and gold 15:15 – Labor market softening and the Fed's split mandate 17:10 – Remnant Finance and meeting Brian

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  Episode #114

  E114 - The Treasury Just Told You Exactly What It's Going to Do…

  Aug 28, 20261h 32mS1

  Book a call: https://remnantfinance.com/calendar Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE In 1933, a Harvard-trained lawyer walked into Chase National Bank with signed receipts for twenty-seven numbered bars of gold and was told he could not have them. Two days after he sued, a federal grand jury indicted him. He never got the gold back. Hans opens with an update on Brian, who may be home temporarily in September or October but likely stays on active duty orders, then turns to the Treasury's announcement that it is doubling its long end buyback operations from two billion to four billion. The dollar figure is a rounding error against forty trillion in debt. The signal is not, and it is the same move Scott Bessent spent the last two years criticizing Janet Yellen for making. Chapters 00:00 – Opening segment 02:20 – No end in sight and why nobody negotiates with America anymore 06:35 – Reading the macro tape without becoming a permabear 07:55 – The Treasury doubles its long end buybacks 09:15 – The economic equivalent of no new foreign wars 11:50 – Where Hans actually sits on the political spectrum 13:10 – Two billion to four billion: the substance of the move 14:05 – Bills, notes, and bonds, and why the distinction matters here 16:35 – Off-the-run long bonds and a disorderly long end 17:35 – What they are buying and what is paying for it 19:00 – One leg of QE, not the money printing leg 20:15 – Yellen's trillion dollar mistake and the two percent mortgage analogy 22:40 – Bessent criticized this exact move, then made it 23:55 – Yield curve control and how far away it actually is 24:25 – Intervening into a record high market with no visible fever 26:00 – The debasement trade and the stock market as pressure release valve 28:30 – The yen intervention and why Japan matters 29:15 – The repo facility and keeping Treasuries out of foreign hands 32:20 – What all three moves have in common 33:30 – Hormuz closed, oil creeping, and an empty petroleum reserve 36:45 – Japan as the roadmap for where this road ends 37:50 – Homeschooling, wristbands, and the safe and inclusive playground 43:35 – Frederick Barber Campbell walks into Chase National Bank 46:05 – The lawsuit, the indictment, and the demurrer 49:50 – When a dollar was a bearer claim on gold 51:55 – Benjamin Strong, the Bank of England, and the boom that had to bust 53:10 – How the Fed was sold to America in 1913 55:50 – Nine thousand banks fail and the money supply drops a third 58:50 – The Fed as an instrument of extraction 01:00:35 – Where America sits in the line, and the prison hierarchy analogy 01:03:50 – Hamilton, specie, and the principle of productive credit 01:06:05 – The bank holiday and the Emergency Banking Act 01:07:45 – Five words added to the Trading with the Enemy Act 01:10:20 – Executive Order 6102 defines hoarding as owning 01:16:20 – The markup from twenty dollars to thirty-five 01:17:35 – The Gold Reserve Act and the Exchange Stabilization Fund 01:18:35 – Marriner Eccles and the fight over the lever of power 01:21:25 – Carter Glass fights the bill he made possible 01:22:30 – The FOMC is created and open market operations take over 01:24:45 – Killing the regional discount rate and the governor it provided 01:27:30 – Half a Keynesian equation with no brakes on the other side Key Takeaways The size of the buyback is not the story. Doubling from two billion to four billion per operation is meaningless against forty trillion in debt. What matters is that the Treasury told the market, in a public press release, that it will step in and buy the long end when demand thins out.

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