Скачать или смотреть Protect, Save, Grow: The Financial Framework You're Missing in 2026

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Joe Withrow, Brian Moody, and Hans Toohey deliver a joint strategy session on building a financial foundation that survives contact with reality. Why does traditional financial planning put growth before protection? What happens when your plan gets punched in the face? And why is Infinite Banking the only savings vehicle that accomplishes two critical goals simultaneously?

Most people have been trained to think their 401(k) is savings and their term life insurance is "just in case." They're told to focus on growth—index funds, average rates of return, retirement projections—while protection and actual savings become afterthoughts. But when job loss hits, disability strikes, or markets crater, the whole plan collapses. This episode reveals the proper order of operations: protect first, save second, grow third. Hans breaks down why "average rate of return" is a meaningless data point. Brian illustrates the parallel paths of protection and wealth accumulation with the diagram that makes it all click. And Joe explains why buying insurance isn't an expense if you do it correctly—it's saving money that immediately becomes accessible capital.

The conversation covers IBC mechanics, policy loans that don't disrupt compounding, real estate purchases funded with cash value, the power of dinner table time for passing down values, and why building generational wealth starts with one decision: get the foundation right, then everything else becomes possible.

Chapters:
00:00 - Opening segment
01:25 - New Year's resolutions: tangible goals vs. vague aspirations
08:50 - The invention of "Retirement Inc." in the 1970s
11:05 - Protect, Save, Grow: the proper order of operations
13:10 - What traditional CFPs get wrong about protection
14:35 - Why "average rate of return" is a useless metric
16:40 - Brian's parallel paths diagram begins
19:30 - The two parallel paths: protection and wealth accumulation
22:30 - What can disrupt the wealth curve? (audience participation)
25:50 - Poor investment decisions: the most common sabotage
27:05 - Infinite money printing: Congress is the real villain
30:05 - Low Stress Options trading: the 1% per week framework
32:25 - Why people abandon the framework (and regret it)
33:00 - Systematizing savings: DCA into gold and Bitcoin every week
36:25 - UPMA for fractional gold ownership
37:45 - IBC: not an expense, it's saving money
39:15 - The kids' policies: $3,000 payment = $3,500 cash value
40:10 - Legal protection: equity in life insurance vs. bank accounts
41:15 - Brian: IBC's rate isn't big compared to investments, but...
42:50 - Whole life matches a guaranteed event (death) with guaranteed outcome
44:30 - Joe's real estate purchases funded by policy loans
45:30 - Hans breaks down policy loan mechanics (not simple interest)
47:40 - Annual compounding with principal-only repayments
48:15 - Hans's approach: keep loans levered for LSO trading
49:45 - Cash doesn't find opportunities, opportunities find cash
51:00 - Brian's land purchase: opportunity requires capital
53:10 - Making purchases for freedom and security, not money itself
59:30 - Actionable next steps
1:08:40 - Heritage over inheritance: building bloodline strength
1:09:30 - The Five Pillars: financial is just one piece
1:10:10 - Passing down American values and family culture
1:12:25 - Dinner table time: 90 minutes in the '70s vs. 11 minutes today
1:14:30 - Start at your locus of control and expand outward
1:15:20 - Multi-generational thinking: buying IBC for grandkids
1:27:00 - Closing segment

Key Takeaways:

Protect, Save, Grow—In That Order: Each step is less important if the previous one isn't in place. Traditional planning inverts this: it prioritizes growth, treats protection as an afterthought, and confuses speculation with saving.

Average Rate of Return is Meaningless: In 30 years of S&P 500 data, actual compounding returns never exceed two-thirds of the projected "average" return. If your planner shows you average rates, they're lying with statistics.

Cash Doesn't Find Opportunities, Opportunities Find Cash: Building accessible capital allows you to act when others can't. Brian bought the 5-acre parcel behind his house because he had liquidity. Most people would've watched builders take it.

Systematize the Boring Stuff: DCA into gold and Bitcoin every time you get paid. Don't check the price. Don't think about it. Just move money from depreciating dollars into hard assets. Over time, the accumulation is staggering.

Questions? Reach out to us at [email protected] or book a call at https://remnantfinance.com/calendar

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