Wealth Warehouse

You just had your best year ever. Seven figures. So why does it feel like you're starting from zero again on January 1st? If you're a business owner or high-income professional tired of the "Annual Reset"—where you generate massive income but never build momentum—this episode is your wake-up call. Dave Befort and Paul Fugere break down why most 6- and 7-figure earners accidentally destroy wealth faster than they create it, and how the wealthy use a century-old banking strategy to break the cycle permanently. IN THIS EPISODE: The Annual Reset Problem: The Unseen Wealth Destroyer: The Tax-Free Vault (IRC 7702): The Family Bank & Exit Strategy: THIS IS FOR YOU IF: ✅ You make $250K-$1M+ but feel stuck on a treadmill ✅ You've had big years but net worth doesn't reflect it ✅ You want a legacy system, not just a pile of cash for your kids ✅ You're planning a business exit with no post-sale strategy NOT FOR YOU IF: ❌ You believe only the stock market builds wealth ❌ You think paying ANY interest is stupid ❌ You're content being "high-income homeless" YOUR HOSTS: David Befort - Former military pilot who built three whole life policies four years before separation. While peers accepted "golden handcuffs," Dave transitioned with capital and options. His whole life cash value grew 38% in one year—proof of uninterrupted compound growth. Paul Fugere - Retired after 20+ years military service. Watched high-earning colleagues stay longer than wanted because wealth was locked in inaccessible accounts. Helps business owners recapture interest given to banks and build family banking systems. Both are Authorized Infinite Banking Practitioners working exclusively with high-earners. KEY SOUNDBITES: 💡 "If you start over every year, you aren't building wealth—you're trading money for stuff. Stop hitting reset on your millions." 💡 "You're either paying interest to a bank or giving up interest you could have earned. Either way, you're losing. The wealthy pay themselves." 💡 "Don't build a mansion on rented land. In taxable accounts, the government owns the land you're building on." 💡 "Leave your kids a SYSTEM, not just money. A business can fail, but a well-funded family bank is forever." REAL CLIENT EXAMPLE: Business owner sells company for $3.2M. Instead of buying toys or dumping into market risk, he...

Are you a military member planning to transition in the next 1-3 years? Tired of being told to "max out your TSP" and wait until 59½ to access YOUR money? Former military officers David Befort and Paul Fugere know exactly what you're going through—because they've been there. They faced the same financial handcuffs, the same "conventional wisdom" that keeps your wealth locked away when you need it most. In this episode, you'll discover: This is NOT about choosing between investing OR insurance—it's about having BOTH, with one critical difference: access to your capital when opportunities arise, emergencies hit, or you simply want to live your life on your terms. The Military-Specific Challenges They Solve: ✅ "I want to leave the military, but I can't afford to lose the paycheck" ✅ "I have money in TSP, but I can't touch it without penalties" ✅ "I'm worried about finding the right job after transition" ✅ "I need life insurance before the VA destroys my insurability" ✅ "I'm tired of being told what I can't do with my own money" ABOUT YOUR HOSTS: David Befort separated from active duty in 2014 after serving as a military pilot. Four years before separation, he discovered Infinite Banking and built three whole life policies that gave him the financial freedom to be selective about civilian opportunities—not desperate. He turned down the military bonus money (the "golden handcuffs") because he had created his own capital to bridge the transition. Today, he helps military families build the same financial freedom he created for himself. Paul Fugere retired after 20+ years of military service, having discovered Infinite Banking during his final years in uniform. He watched colleagues become "28-year lieutenant colonels" who couldn't afford to retire because they'd locked all their wealth in accounts they couldn't access. Paul capitalized his own policies and transitioned with confidence, knowing his family had liquidity, not just paper statements. His mission: ensure other military families don't make the same mistakes he almost made. Both hosts are licensed Infinite Banking practitioners who specialize in military transitions and understand the unique challenges of leaving service. WHO THIS PODCAST IS FOR:

Are you earning a high income but still feeling like you’re playing by someone else’s rules? Most high achievers are experts at making money, yet many fall victim to "Arrival Syndrome"—the dangerous belief that professional success automatically equals financial mastery. Join hosts David Befort and Paul Fugere as they dismantle traditional financial myths and bridge the gap between high earnings and true wealth creation. This show is dedicated to the high-earner who is ready to stop being a spectator in their own financial life and start thinking like a banker. Each episode dives deep into the Infinite Banking Concept (IBC), the mechanics of whole life insurance, and the critical role of opportunity cost. We explore how to reclaim control of your capital, shift from a scarcity mindset to one of abundance, and build a legacy that lasts for generations. In this podcast, you’ll learn how to: Recapture Interest:Master Financial IQ:Leverage Volatility:Plan Your Legacy: Stop being a source of capital for others. It’s time to capitalize on your own wealth. Chapters 04:29 Understanding Arrival Syndrome 08:06 The Importance of Financial Intelligence 10:10 Thinking Like a Banker 12:19 Creating a Legacy Through Financial Planning 15:32 Understanding Opportunity Cost 19:55 Capitalizing on Whole Life Insurance 23:46 The Wealth Warehouse Mindset 27:29 Redirecting Capital for Growth About your hosts: https://www.thewealthwarehousepodcast... David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below!

Are you currently debating whether to "Buy Term and Invest the Difference" or build a private banking system with Whole Life? In this episode, David Befort and Paul Fugere put the most popular financial advice—including Dave Ramsey’s top talking points—through the IBC Stress Test. If you’ve been told that Whole Life is a "scam" or that you should only ever buy Term, you are likely missing the most critical piece of the puzzle: The Difference Between Renting and Owning. Why you need to listen to this episode: Most people are taught to treat insurance as a "sunk cost" or a necessary evil. But what if your premium wasn't a cost, but a transfer of assets? We dive deep into why "renting" your protection through Term insurance often leads to a dead end, with ~98% of policies never actually paying out a death benefit. In this episode, we break down: The "Renting" Trap:The Ernst & Young Reality Check:dead lastThe "Both/And" Strategy:Convertible TermDebunking the "Company Keeps Your Cash" Myth: Whether you are a "Dave Ramsey person" looking for a second opinion or an investor searching for a way to maximize your Human Life Value, this episode will show you how to stop wasting money on temporary fixes and start building a permanent financial foundation. Stop being a tenant in your own financial life. It’s time to become the landlord. About your hosts: https://www.thewealthwarehousepodcast... David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below!

Stop watching inflation melt your hard-earned saving efforts in a stagnant bank account. In this episode, we provide deep economic insights into why traditional savings are a guaranteed loss of purchasing power and how you can pivot toward true wealth building. We explore alternative strategies like the Infinite Banking Concept, demonstrating how capitalizing your own private reserve through dividend-paying whole life insurance creates a "financial cooler" for your assets. By mastering these financial concepts, you can achieve consistent financial growth and take back control of your legacy from traditional institutions. 00:00 The Ice Analogy: Saving Money 03:07 The Reality of Bank Savings and Inflation 04:11 Understanding Traditional Savings vs. Capitalizing 08:05 The Impact of Inflation on Wealth 11:15 The Role of Money Supply in Inflation 16:21 Navigating Financial Headwinds with IBC 18:32 The Benefits of Dividend-Paying Whole Life Insurance 25:06 Challenging Conventional Financial Wisdom 31:49 The Power of Early Capitalization About your hosts: https://www.thewealthwarehousepodcast.com/ David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below! https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email us! davidandpaul@theibcguys.com

FAA Medical Disqualification Just Cost You $300k (Here's How to Protect It) Are you flying your finances blind? For many airline pilots, a $300,000 annual income is just one medical disqualification away from becoming zero. In this episode, Paul Fugere and David Befort discuss why traditional financial planning—like locking wealth in a 401k or the walls of your home—can leave pilots grounded and liquid-poor when they need cash the most. We dive into the "financial walk-around" every pilot needs to perform to ensure their family’s safety and their own financial "airworthiness". https://www.thewealthwarehousepodcast.com/ In This Episode, You’ll Learn: The Fragility of the First-Class Medical: Why 1 in 20 pilots are on long-term disability at any given time. The 260% Danger Zone: Why medical denial rates spike between the ages of 45 and 55. The "No-Brainer" Insurance Rider: How the Disability Waiver of Premium ensures your policy continues to grow even if you lose your ability to fly. Aviate, Navigate, Communicate: Applying the first rule of flight to your money—why liquidity is the "fuel" that keeps your financial engine running. The Power of IBC for Pilots: How to use windfalls like profit-sharing bonuses, back pay, and green slips to build a private "war chest" you control. Key Statistics for Aviators: Nearly 5 out of every 1,000 active airline pilots are denied medical certification annually. Standard long-term disability often only covers 50% of your average paycheck—could you maintain your lifestyle on half your income?. Typical company-provided life insurance (often $1M) may only cover 4-5 years of income, leaving families vulnerable in the long term. About your hosts: https://www.thewealthwarehousepodcast.com/ David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below! https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email us! davidandpaul@theibcguys.com

The Link to the article is HERE ! If you give it a read, share in the comments. Chapters 00:00 Introduction to 401k prison 04:54 Understanding the 401k Contract 09:56 Exploring Alternatives to 401k 14:51 The Importance of Financial Education 19:29 The Journey of Infinite Banking 22:24 Understanding 401k Limitations 25:32 The Importance of Access to Capital 31:32 Exploring Infinite Banking 37:44 The Risks of Traditional Investments 45:46 The Control of Banking Function Paul Fugere and David Befort discuss the limitations of traditional 401k plans and introduce the concept of Infinite Banking as a more flexible and empowering financial strategy. They explore the restrictions imposed by 401k plans, the importance of understanding financial products, and the benefits of controlling one's own capital through alternative methods. The discussion emphasizes the need for financial education and the potential for individuals to take charge of their financial futures without relying solely on conventional investment strategies. ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

The concept of the 'storehouse mentality' and how it can transform financial strategies for 2026. We explore the importance of treating capital like a banker rather than a gambler, emphasizing the benefits of building a personal wealth warehouse. We speak on non-market correlated assets, the pitfalls of traditional savings, and the advantages of whole life insurance as a financial tool. Takeaways: Visit our website: https://www.thewealthwarehousepodcast.com/ The concept of the 'storehouse mentality' and how it can transform financial strategies for 2026. We explore the importance of treating capital like a banker rather than a gambler, emphasizing the benefits of building a personal wealth warehouse. We speak on non-market correlated assets, the pitfalls of traditional savings, and the advantages of whole life insurance as a financial tool. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494

Visit our website: https://www.thewealthwarehousepodcast.com/ With the end of 2025 in sight, Dave and Paul wrap on what real clients taught them about practicing Infinite Banking. From why more families are starting kids’ policies and how planning ahead with convertible term keeps future options open, to simple ways disciplined loan repayment can supercharge your system. Additionally, they dig into capturing big annual expenses as premium, building your IBC “tribe,” and a quick tease on changes coming to the show in 2026. If you’re serious about using IBC in everyday life, this one’s a clean checklist of what to do next. Tune in, take notes, and head into January with a plan. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Intro 1:01 - Episode beginning 2:54 - What we’ve learned over the last year 4:51 - Family and legacy 8:03 - Planning ahead, windfalls 13:24 - Opportunities 18:51 - Paying loans 24:11 - Capturing big, annual expenses 25:52 - Shared minds, “finding more room” 28:19 - Referrals 30:14 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Visit our website: https://www.thewealthwarehousepodcast.com/ Unwrap a Christmas-week convo on control, liquidity, and the Infinite Banking Concept! Dave and Paul read listener emails to start off the episode (including one that calls out Paul directly) – and get into some bigger concepts from there like: Keeping cash flowing and using mortgages/HELOCs strategically, rather than rushing to pay off a house. They also break down refinancing vs. liquidity, how to move equity out of your walls and into policies, and why “becoming your own banker” is a business you build, not a get-rich-quick play. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Intro 1:11 - Episode beginning 3:22 - Quick note 4:05 - First email: “I should’ve gone bigger” 5:48 - Second email: “Stop using banks, mortgages” 8:23 - “Money has to flow” 12:35 - Using the bank as a tool 19:47 - Creating your own banking system 30:56 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Visit our website: https://www.thewealthwarehousepodcast.com/ It’s a common expense that many Americans carry – but what if there was a way that you could get something positive out of that debt? In this episode, Dave and Paul discuss student loans and a counter-intuitive idea: extra payments on student loans can keep you capital-poor. They unpack why prioritizing liquidity, via properly structured whole life and the Infinite Banking Concept, can leave you wealthier over time while you still make the minimums. Additionally, the guys touch on average debt realities, how to turn a payoff into a “windfall,” who this strategy is (and isn’t) for, and a legit path some borrowers use to shrink federal loan payments. Episodes Referenced: Episode 11 Using IBC To Eliminate Debt: https://youtu.be/KiQ-pEcwKx4?si=nG1YeKsxcWmdxQ7N Episode 26 Is a 15 year Mortgage Really Better Than a 30 year Mortgage? https://youtu.be/IwRn9UNbowU?si=6Soe_ns4XMkDF7ix Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Intro 1:17 - Episode beginning 4:07 - Breaking old mindsets 9:02 - Some of the data 10:34 - The alternative 16:01 - What if you just paid it off? 22:08 - Colleges and trades 23:30 - If you still have student loan debt.. 27:04 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/

Visit our website: https://www.thewealthwarehousepodcast.com/ Dave and Paul celebrate episode 200 by riffing on Covey’s “7 Habits” and translating them into practical, IBC moves. They discuss each of the “7 Habits” and double click on some big x-factors, like consistency, sequencing cash, win-win thinking, and ‘sharpening the saw’. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Intro 1:41 - Episode beginning 5:22 - 7 Habits of Highly Effective People 6:06 - #1: Be Proactive 10:11 - #2: Begin With The End In Mind 14:26 - #3: Pay Yourself First 18:00 - #4: Think Win-Win 20:26 - #5: Seek To Understand 24:29 - #6: Synergize 28:44 - #7: Sharpen the Saw 32:38 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Visit our website: https://www.thewealthwarehousepodcast.com/ Dave and Paul return for their monthly webinar where this time, they tackled the theme: How has "Rethinking your thinking" changed your life? Additionally, they talk about using policy loans for cars, home projects, and surprise bills without bank stress; how to “capture your dollars first” so compounding isn’t interrupted; and simple ways to do private financing instead of the traditional bank runaround. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights:  0:00 - Intro 0:51 - Episode beginning 1:50 - IBC’s impact on Dave and Paul 8:18 - Another housing story 10:53 - Car financing 15:35 - IBC in action, taking opportunities 22:50 - Both/and 29:04 - Daniel: What thinking differently has done 37:40 - People have been tricked 39:52 - It’s so simple 43:37 - “Finding” policies, proper classification 51:10 - Using and expanding your system 58:09 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Visit our website: https://www.thewealthwarehousepodcast.com/ This week on Wealth Warehouse, Dave and Paul kick around the hot “50-year mortgage” idea and why it may help (or hurt) depending on how you think about cash flow and control. Then they get practical: when you’re practicing IBC, should extra dollars crush a policy loan… or go toward expanding your system? They dig into real-life tradeoffs, how to sequence cash before big expenses, and why capital base should be a priority over quick paydowns. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Intro 1:19 - Episode beginning 2:52 - The 50-year mortgage 11:47 - Expanding your system 19:28 - I’ve got a policy loan I’m repaying.. 21:06 - Adding new capital 24:02 - As you get more policies 30:46 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Visit our website: https://www.thewealthwarehousepodcast.com/ This week on Wealth Warehouse, Dave and Paul break down the high-profile lawsuit NASCAR star Kyle Busch filed against Pacific Life after allegedly losing $8.5M in an indexed universal life (IUL) policy. They unpack why they’re not surprised, how IULs actually work under the hood and why those glossy “tax-free retirement” illustrations can fall apart in the real world. If you’ve ever wondered whether IUL belongs in an Infinite Banking strategy, or as “permanent” life insurance at all, this one’s for you. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Intro 1:10 - Episode beginning 4:18 - Kyle Busch’s lawsuit 12:25 - Nelson Nash’s thoughts on Universal Life 15:17 - Universal Life and why it doesn’t work 18:56 - Life insurance retirement plans (LIRPs) 23:09 - Home ownership and the next generation 25:09 - Bottom line on IULs 33:31 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Visit our website: https://www.thewealthwarehousepodcast.com/ Part two with pilot/IBC pro Travis Fairbairn digs into the big question: “I’ve got cash value, now what?” We break down a simple, repeatable way to turn whole life policy cash value into predictable cash flow using amortized notes through a low-risk co-lending club. Travis shows how the strategy repays your policy loan (plus interest), compounds as you recycle dollars, when it makes sense to add another policy, and how even ~$500/month in savings can start with ~$2,500 notes. We also talk about real uses and why banks start treating you like a partner when you control the banking function. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ To learn more about Travis's note stacking program you can email info@kindling.network or fill out the form at this link: https://links.30wconsulting.com/widget/form/yjnxHKSATOK4geqcuFbI Wealth Warehouse is not affiliated with the notes program and does not offer investment advice or recommendations. To learn more about Travis's note stacking program you can email info@kindling.network or fill out the form at this link: https://links.30wconsulting.com/widget/form/yjnxHKSATOK4geqcuFbI Episode Highlights: 0:00 - Intro 0:56 - Episode beginning 3:44 - Natural expansion 5:38 - Who can participate? 11:53 - Being a partner with banks 15:13 - “This is about banking” 17:48 - How Paul uses his notes 19:17 - This method gives you options 21:16 - How you can find out more 22:42 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/

Visit our website: https://www.thewealthwarehousepodcast.com/ Travis Fairbairn joins Dave and Paul for a fun, super practical chat on Infinite Banking. He details his journey as a corporate jet pilot and how he found IBC, put it to work, and started “stacking notes” to turn policy loans into predictable cash flow. You’ll hear the story behind it, why using a dollar in more than one place clicked for him, and how he funds big purchases and even premiums through his system. If you’re IBC-curious or already running policies and want ideas to put cash value to work without losing liquidity, this one’s your lane. Subscribe and come back next week for Part 2! Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ To learn more about Travis's note stacking program you can email info@kindling.network or fill out the form at this link: https://links.30wconsulting.com/widget/form/yjnxHKSATOK4geqcuFb Wealth Warehouse is not affiliated with the notes program and does not offer investment advice or recommendations. To learn more about Travis's note stacking program you can email info@kindling.network or fill out the form at this link: https://links.30wconsulting.com/widget/form/yjnxHKSATOK4geqcuFbI Episode Highlights: 0:00 - Intro + why Travis is here 1:19 - Meet Travis (pilot, client, IBC user) 3:30 - Life flying Gulfstreams/private jets 5:31 - How he discovered Infinite Banking 8:03 - “Use a dollar in two places” lightbulb 14:13 - Note stacking 101 (policy loans → cash flow) 18:58 - Using notes to fund big purchases 20:11 - Paying annual premiums via policy loans 22:05 - Adding policy #2 and sizing strategy 23:10 - Why he liquidated his 401(k) + lessons learned ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 ...

Visit our website: https://www.thewealthwarehousepodcast.com/ Dave and Paul open the vault on how they actually put cash value to work. Join other Infinite Banking practitioners as they discuss how they look for low risk, repeatable opportunities that fit an IBC plan, and why a simple amortized note can create steady cash flow that helps retire policy loans faster. Additionally, Dave, Paul and co. walk through using policy loans with intention, keeping repayments flexible, and sequencing a windfall or savings into premiums without losing liquidity. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Episode beginning and introduction 3:28 - Deal filter: risk, consistency, repayment 6:15 - What the “note” is, terms and break-even 10:57 - Option 1 recap 11:57 - Option 2 13:38 - Second note 15:16 - Third note 17:50 - Option 3 22:59 - Taxes: interest front-loaded on amortization 28:34 - $100k example → ~$2,100/mo; start Policy B 30:28 - Repayment tactics 44:36 - Keep an emergency buffer; $2,500 min to start 58:29 - The math most miss 1:04:40 - Wrap-up + next steps ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Notes

Visit our website: https://www.thewealthwarehousepodcast.com/ Dave and Paul tackle a common stall-out point: starting IBC with one whole life policy and never building the system Nelson Nash intended. They cover when to add policies (spouse/kids/your increased income), how to plan expansions using convertible term, what to do with windfalls, and why loans and investments should originate from and return to your policy ecosystem. Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ Episode Highlights: 0:00 - Episode beginning 3:31 - IBC = a system, not one policy 4:26 - Life changes → expand (income/spouse/kids) 6:52 - Case study: don’t cancel; CV > premium 9:00 - Keep mature policies; avoid 1035 “churn” 11:30 - Remember your why: capitalize & control 12:31 - 20 years + a system; “accommodate all income” 13:36 - How to expand (small adds, spouse/kids) 15:03 - Kids’ policies & compounding 16:25 - Future-proof with convertible term & HLV 19:12 - Windfalls → premium/loans/new premium 20:55 - Policies as your emergency fund (liquidity) 22:14 - Beneficiaries beat probate — update yearly 25:03 - Investments start & return to your system 28:22 - IBC is ongoing; control your capital 29:55 - Episode wrap-up ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com