{"podcast":{"title":"Remnant Finance - Infinite Banking (IBC) and Capital Control","slug":"remnant-finance-infinite-banking-ibc-and-capital-control-6950217","podcast_index_feed_id":6950217,"rss_url":"https://anchor.fm/s/f80e64e4/podcast/rss","website_url":"https://remnantfinance.com","image_url":"https://d3t3ozftmdmh3i.cloudfront.net/staging/podcast_uploaded_nologo/41516929/41516929-1719322707559-10d42cf8f9a1e.jpg","author":"Brian Moody & Hans Toohey","episode_count":104,"summary":"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!","last_synced_at":"2026-06-13T22:18:53.903994+00:00","page_url":"https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217"},"episode":{"title":"E96 - Infinite Banking Masterclass: Premium, Cash Value, and PUA","slug":"e96-infinite-banking-masterclass-premium-cash-value-and-pua","published_at":"2026-04-24T13:17:22+00:00","page_url":"https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e96-infinite-banking-masterclass-premium-cash-value-and-pua","show_page_url":"https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217","url":"https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E96---Infinite-Banking-Masterclass-Premium--Cash-Value--and-PUA-e3ide7u","audio_url":"https://anchor.fm/s/f80e64e4/podcast/play/118978238/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-3-24%2Fbf76cc22-8fbb-0240-7c3c-740a2f11bd68.mp3","summary":"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 walks through the mechanics of whole life insurance the same way he walks through it on a first call with every client. If you've ever been confused about premium structure, cash value, or why IBC practitioners pay what they pay, this episode is designed to make it finally click. Chapters: 00:00 – Opening segment 02:10 – What cash value actually is (the $10,000 bond analogy) 06:40 – How time changes the present value of money 10:45 – Adding required payments and how they drag value down 14:20 – The job of an actuary and why term insurance is "cheap" 19:15 – Introducing the $20,000 at 20/80 premium structure 21:00 – Base premium explained (the 20% / $4,000 portion) 26:30 – Why base premium alone doesn't build cash value fast 30:15 – The Dave Ramsey critique and why it falls apart 35:40 – PUA premium explained (the 80% / $16,000 portion) 40:20 – How PUA generates immediate cash value (no future drag) 45:10 – Stacking dividends and the "wedding cake" effect 50:05 – Base vs PUA: which to lean on and when 53:20 – Reframing premium as savings, not an expense 56:15 – Closing segment Key Takeaways: Cash value is not a checking account. It's the net present value of a future death benefit, discounted by…","meta_description":"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@remnantf…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3694,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/episodes/e96-infinite-banking-masterclass-premium-cash-value-and-pua/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e96-infinite-banking-masterclass-premium-cash-value-and-pua.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}