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 113 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Brian Moody & Hans Toohey hosts Remnant Finance - Infinite Banking (IBC) and Capital Control, a business show with 113 episodes published.

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  Episode #112

  E112 - How Interest Rates Actually Work: Fed Funds, Repo, and Treasury Auctions

  Aug 14, 20261h 3mS1

  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 SUBSCRIBEThe Fed cut rates and your mortgage went up. If that never made sense to you, this episode is the explanation. In part one of a two-part solo breakdown, Hans starts with the three interest rate stories dominating the macro headlines right now, the stubborn 10-year Treasury, Kevin Warsh's campaign to kill forward guidance, and Japan quietly letting its Treasury holdings roll off, and uses them as the entry point to a much bigger question: who actually sets the price of money? Chapters 00:00 – Opening Segment 01:00 – Setting up the interest rate primer 02:25 – Headline one: the 10-year Treasury refuses to fall 03:55 – Why a weak jobs report makes the stock market celebrate 06:40 – Headline two: Kevin Warsh is killing forward guidance 09:00 – Shorter statements, no dot plot, and a market that has to do its own homework 13:35 – Headline three: Japan stops rolling its Treasury holdings 16:10 – The food chain: it was never one dial 20:25 – The fed funds rate is banks lending each other reserves overnight 25:25 – The dual mandate, CPI versus PCE, and how inflation gets measured 29:35 – Reserve requirements are now zero 32:15 – IORB: the floor the Fed actually sets 37:55 – The reverse repo facility and the discount rate ceiling 39:20 – The repo market: a pawn shop moving trillions a night 42:45 – LIBOR, the 2012 scandal, and the move to SOFR 44:10 – Primary dealers and the price of the golden ticket 47:00 – What QE really is and why the Fed can't buy direct from Treasury 52:00 – Inside a Treasury auction: bids, clearing yield, and the tail 57:05 – Recap and what's coming in part two Key Takeaways There is no such thing as "the" interest rate. There is a stack of them, and the Fed only has real influence over the short end. Everything between the Fed and your mortgage is a chain of institutions taking the rate handed to them, adding yield, and passing it down. The fed funds rate is not a number anybody types into a computer. It is a real market rate set between banks settling reserves overnight, and the Fed steers it with incentives rather than force. Forward guidance has been the Fed's most powerful tool, and it costs nothing to use. Saying the conditions might align for a cut can move markets as effectively as an actual cut, which is why Warsh trimming statements and abandoning the dot plot amounts to a real policy shift. The repo market, not the fed funds market, is where the money actually is. Fed funds is a small, uncollateralized club of primary dealers. Quantitative easing is the one situation where "printing money out of thin air" is literally accurate. The Fed is barred from buying new issues directly from Treasury, so the twenty-four primary dealers absorb whatever the auction does not clear and the Fed buys from them with newly created reserves. Treasury auctions price on demand, not decree. Treasury announces the quantity, buyers submit the yields they will accept, bids fill from lowest to highest, and the yield on the last dollar sold becomes the yield everybody gets.

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  Episode #111

  E111 - Afterburners & Infinite Banking: A Fighter Pilot Becomes a Banker

  Aug 7, 20261h 33mS1

  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 For the first time on the show, Hans sits down with a client. Major Jonathan Wright is an active duty Air Force F-35 pilot who started his first policy in December 2023 and has been listening since episode one. Before the financial conversation, he walks through how he got here: growing up in Knoxville, following his father to Embry-Riddle, earning a fighter track slot at ENJJPT, and then giving up the F-16 he had wanted since childhood when a 24 hour window opened to become one of the first Air Force pilots to fly the Navy's EA-18G Growler. Two deployments later, including a Christmas Day flight of nearly nine hours, he transitioned to the F-35 and now flies red air at Nellis. Major Wright is candid about the hesitations, including his first assumption that IBC was a grift and the shock of routing that much of a paycheck into base premium and PUA. Four years in, the family holds five policies, and he walks through the four turnkey rental properties and the options account he funded with policy loans, the dividend that grows each year, and why he weights death benefit heavily with three kids at home. Chapters 00:00 – Opening segment 05:05 – Embry-Riddle, ROTC, and building hours for a pilot slot 09:50 – ENJJPT, NATO classmates, and selection for the F-16 13:25 – Trading the Viper for the Growler on 24 hours notice 16:10 – Al Udeid, jamming comms over Syria, and eight hour sorties 19:40 – Misawa, and the start of 2020 22:50 – The F-15C, F-22, F-16, and F-35 compared 32:55 – Congress, the Fed, and the defense contracting loop 35:00 – Navy versus Air Force squadron culture 38:15 – Call signs, and the story behind Bundy 43:45 – The 2019 flu shot and what happened that night 50:40 – The COVID czar, quarantine, and four weeks in a room 53:25 – Credibility, compliance, and what it cost 58:15 – The F-35 transition course and arriving at Eielson 59:25 – The mandate, the RAR, the LORs, and three months grounded 01:02:45 – Meeting Cassidy, marriage, and three kids 01:08:50 – Finding IBC and reading Nelson Nash 01:12:45 – The hesitations: premium, PUA, and "is this a Ponzi scheme?" 01:19:35 – Rental properties, options, and the dividend 01:23:15 – What his finances looked like before 01:26:00 – The gap between IBC and conventional planning 01:28:50 – Closing segment Key Takeaways The debrief process is the through line of this episode. Fighter pilots take a problem, list every contributing factor, isolate the primary one, name a root cause, and produce a fix. Doors that open unexpectedly are worth walking through. Giving up the F-16 closed a lifelong goal but put him in a Navy squadron, then in the F-35 community, and eventually in the group chat where he met both his wife and this show. Being good with money by conventional standards is not the same as having a system. Before IBC, he maxed his TSP and his Roth IRA, carried no debt, and kept an emergency fund, and he would have passed any mainstream checkup with high marks. What he does now is layered rather than singular. The policies are the foundation, and the cash value funds rental properties and an options account while continuing to grow inside the contract.

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  Episode #110

  E110 - Would You Raise Your Kids Like a 401(k)?

  Jul 31, 20261h 3mS1

  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 Would you raise your children with the rules you accept for your 401(k)? Lock it away until 59 and a half. Pay a penalty to touch it early. Hand it to a manager you will never meet. Check in decades later and hope it worked out. Applied to a retirement account, that is just the default. Applied to a child, it is unthinkable. Before he takes it apart, Hans gives the 401(k) an honest steel man: the match really is part of your total compensation, the tax treatment is real, and for someone low on both financial literacy and discipline, forced savings may be the single best thing that ever happens to their balance sheet. Chapters: 00:00 – Opening segment 02:55 – The premise: would you raise a child like a 401(k)? 06:45 – Why enter an industry this saturated 11:30 – Defensive coordinator, offensive coordinator, head coach 14:20 – Cash value as the buffer in a down market 16:20 – Decumulation, Social Security timing, RMDs, and beneficiaries 20:40 – The honest steel man for the 401(k) 25:50 – Roth versus traditional and paying tax on the seed 26:40 – The tax code as a map around income 27:50 – Forced savings and where the 401(k) genuinely shines 31:25 – Will 70% of your income really be enough? 36:20 – The box, the penalty, and the friction that works both ways 37:20 – Would you outsource raising your children? 47:20 – Most of your time with your kids happens before they turn 18 48:25 – Which rules will still exist when you turn 60? 50:35 – Buy and hope dressed up as buy and hold 54:15 – Net worth versus cash flow and the $3 million mansion 57:00 – Contract wealth versus statement wealth 59:15 – Closing segment Key Takeaways: The match is not free money in the way LinkedIn tells you it is. It is a piece of the economic value your employer already assigned to your labor, and you only unlock it by parting with your own capital first. The 401(k) works, and it shines for one profile: low financial literacy paired with low discipline. If money leaves your hands regardless of intent, automatic enrollment and a penalty for early access may be the only thing standing between you and nothing. Whether you choose Roth or traditional comes down to a bet about the future. The conventional plan assumes you will need roughly 70% of your current income and land in a lower bracket. Locking capital away for 30 years is also a bet on political stability. The access ages have been changed before, they will be changed again, and $40 trillion sitting in qualified plans is a resource the system is already leveraging.. Money is not math. Behavior is the largest determinant of any outcome, more than knowledge and more than which strategy you choose. Protect, save, grow in that order. Your capital feeds the people you love, so stop treating it like a stranger's science project.

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  Episode #109

  E109 - 25 Years of Watching People Die Changes How You Think About Money

  Jul 24, 20261h 45mS1

  Connect with Dr. Paul: paul.mchale@factumfinancial.com Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options 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 Dr. Paul McHale has spent over a quarter century in emergency medicine, and he'll tell you exactly what that does to a man: ER docs either get old, get tired, or get afraid. He's all three now. But it wasn't the ER that changed how he thinks about money. It was almost getting killed by an F350 in a grocery store parking lot, going home spooked, and realizing he had life insurance but not nearly enough. What Paul discovered after that near miss is the through-line of this entire conversation. He watched colleagues who had made serious money for years panic when COVID cut their shifts. Not one or two of them. A lot of them. Physicians pulling $20,000 a month who could not absorb losing five shifts for a single month. As Hans puts it, a teacher making $50,000 with a savings habit might weather that better than a doctor making a couple million a year. The problem was never income. It was that nobody, in 18-plus years of the most rigorous education in the country, ever taught them what to do with it. Chapters: 00:00 – Opening Segment 06:50 – Twenty-five years in: old, tired, or afraid 07:40 – The grocery store near miss that started everything 09:00 – Buying the first permanent policy and abusing it 10:25 – Building an ER group 16:50 – How ER billing actually works 18:40 – What's broken in healthcare, from an outsider's seat 24:45 – A physician's honest reckoning with COVID 30:40 – The credibility medicine lost and can't get back 41:35 – The doctors who couldn't afford to lose five shifts 49:35 – Max the 401(k) for thirty years, then what? 52:45 – Liquidity as the single greatest portfolio decision 55:10 – Sequence of returns and the average rate of return lie 57:45 – What ultra high net worth families actually buy 01:00:35 – Bonds, volatility, and the product advisors won't look at 01:03:10 – Cutting off the compounding curve right when it gets good 01:16:15 – Bastardized cancellation data 01:26:35 – Why Paul's policy is death benefit heavy 01:31:05 – The Mississippi River theory of money 01:34:30 – The colleague who lost her husband in two months 01:37:25 – "Don't ever leave your family without insurance" Key Takeaways: High income is not the same thing as financial stability. ER physicians earning $300 an hour called Paul looking for work when their hospitals cut five shifts. These were successful doctors, some of them former partners whose payouts he knew personally. They could not take a one-month cash flow hit. The treadmill runs at whatever speed your lifestyle sets, and a high salary just means the belt moves faster. Physicians stopped behaving like scientists. The willingness to change your mind when the data changes is the entire job description of a professional. Liquidity is the single highest-leverage decision in a portfolio. You cannot buy the dip without cash. When the market hemorrhages, the reason people freak out is that they've lost money and have nothing left to deploy at the bottom. Whole life lets your risk assets stay risk assets. The conventional move is to ratchet a 55-year-old down from equities into bonds, which have their own volatility and lose money roughly every six years. A fiduciary title is not a knowledge credential. There are bad doctors, bad pilots, and bad fiduciaries. If an advisor can't explain a policy loan, the fiduciary designation hasn't done anything for the client.

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  Episode #108

  E108 - The Order of Your Returns Can Make or Break Retirement

  Jul 17, 202653 minS1

  Book a call with Travis: https://calendly.com/travis-eib/30-minute-call Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options 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 this episode, Hans welcomes back Travis McBride, a former Navy helicopter pilot turned insurance professional, for his third appearance and a conversation about annuities, guaranteed lifetime income, and why the order of your returns matters more than the average. Fresh off the birth of his son, Travis opens up about how fatherhood reframes the way he thinks about mortality and protecting the people who depend on you. From there they get into sequence of return risk, including a live demo where shuffling the exact same 30 years of returns swings the outcome from $2.2 million left over to fully broke in 14 years, and why a guaranteed income floor lets you stay on the compounding curve right when it's most powerful. Chapters: 00:00 – Opening segment 03:10 – Re-anchoring on why we plan: it's about the next generation 05:25 – Why $500K of SGLI won't set a family up 10:15 – What an annuity actually is: the inverse of life insurance 14:40 – The power of setting an income floor 18:30 – A brief history of annuities, from Rome to the modern pension gap 20:15 – When to consider an annuity: the 50 to mid-70s window 21:15 – No medical underwriting: annuities are priced on age alone 25:15 – The 4% rule and where it falls apart 26:05 – Sequence of return risk explained with a live shuffle 28:45 – Same data, wildly different outcomes 30:50 – Why the Series 65 teaches nothing about insurance or annuities 35:00 – Trade-offs exist everywhere, even in a Roth IRA and 401(k) 39:50 – Mortality credits: the third form of return 45:30 – Payouts are tied to the 10-year Treasury at purchase 46:40 – The 1035 exchange: upgrading an old, uncompetitive annuity 50:00 – Closing segment Key Takeaways: The order of your returns can matter more than the returns themselves. Take the same 30 years of market data and simply shuffle the sequence, and the outcome swings from leaving $2.2 million behind to running out of money in 14 years. An annuity is the inverse of life insurance, and it's the only chassis that guarantees income for life. Where a $1 million portfolio using the 4% rule cautiously pulls $40,000 a year and still might run dry, that same $1 million can buy a fully guaranteed $77,000 a year that keeps paying as long as you're alive. A guaranteed income floor buys you flexibility everywhere else. Once your baseline needs are covered for life, you no longer have to run conservative with the rest of the portfolio. $500K of group life insurance is not a plan. In a high cost of living area, half a million won't maintain a family's lifestyle, and most people aren't even capped out there. If your parents bought an annuity, get it reviewed. Payouts are locked to the 10-year Treasury yield at the time of purchase, so annuities bought in low-rate years are often badly uncompetitive today.

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