E73 - Stop Hiding Money From Your Kids: The IBC Approach to Family Wealth

Brian and Hans record together IN PERSON for the first time at the Factum Financial Infinite Banking Mastery Event in Scottsdale, Arizona, joined by Josh Rose from Factum Financial. This isn't your typical financial conference recap—it's a raw conversation about why the best financial gatherings spend more time discussing kids, vacations, and family legacy than investment returns.

Whether you're struggling with the "we don't talk about money" generational curse or wondering how to raise financially literate kids without forcing them into specific careers, this fireside chat challenges everything conventional wisdom teaches about family and finances.

Chapters:

00:00 - Opening: First in-person recording from Scottsdale

02:28 - Introducing Josh Rose and his journey to IBC

05:05 - How IBC brings families together vs. traditional finance separating them

06:56 - The Five Core Areas (Fab Five): Faith, Family, Fitness, Finance, Friendship

10:38 - Evaluating your life as a wheel—are all areas balanced?

17:16 - Living intentionally now vs. locking money away for retirement

21:39 - "I don't have access to my money for 3-4 years" objection

28:17 - The startup business analogy for whole life policies

31:32 - The Future Family Letter: Eliminate bad habits, set standards, create excitement

35:47 - Breaking the "we don't talk about money" curse

37:37 - Teaching kids about money age-appropriately

40:22 - Making "policy" a normal word in your household

44:07 - "I want my children to do whatever they want PLUS be a banker"

47:48 - Everyone's in two businesses: income generation and banking

52:30 - Closing segment

Key Takeaways:

• Traditional finance promotes individuality and separates families—IBC brings families together through interdependence and shared banking systems

• The Five Core Areas (Faith, Family, Fitness, Finance, Friendship) create a framework for evaluating whether your life is "running smoothly"—connect the dots to see if your wheel is balanced

• Your kids are only this age once—IBC removes the false choice between living fully now and saving for later by giving you access to capital while building guaranteed wealth

• The "we don't talk about money" generational curse creates financially illiterate children who learn from the world instead of their parents—break this by making "policy" a normal household word

• Write a Future Family Letter to eliminate generational habits you don't want, set clear standards for what you do want, and create excitement about what your family can become

• Make your children bankers first, then let them do whatever career they want—the banking foundation gives them freedom to pursue their passions without financial anxiety

• Traditional financial planning asks "what will I accumulate by 65?"—IBC asks "how can I live abundantly in all five areas while building generational wealth?"
  

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