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_____________________________

Most people don't realize their student loan servicer is getting it wrong more than half the time. The Inspector General confirmed it: there's a 61% error rate in federal student loans. That means even if you do everything right, the odds are stacked against your loans being handled correctly over a 25-year repayment term. And most borrowers have no idea.

In this episode, Hans sits down with Zack Geist, founder of Student Loan Tutor and one of the leading authorities on federal student loan repayment. They break down what's really happening inside the student loan system, why so many borrowers are overpaying, and how the right strategy can actually result in paying back less than you borrowed.

Chapters:

00:00 – Opening segment

00:30 – Introducing Zack Geist and Student Loan Tutor

01:10 – Bio and background

03:00 – How Student Loan Tutor has saved borrowers over $1 billion

06:25 – The 61% error rate: what it means and why it matters

08:00 – Zack's background

11:00 – The best lessons from failure

14:20 – Zack's eco village and regenerative farm in Hawaii

18:55 – Sovereignty, healing, and intentional community

24:45 – Conscious spending vs. budgeting: a different framework

29:15 – Pay yourself first and invest in learning

33:35 – What Student Loan Tutor actually does and what it costs

36:00 – The student loan trap set for 18-year-olds

39:20 – Why doctors with the same loans pay wildly different amounts

43:20 – The tax bomb at forgiveness: what borrowers aren't planning for

45:10 – Effective interest rate vs. stated interest rate

48:00 – The choose-your-own-adventure moment: what to do right now

50:20 – Closing segment

Key Takeaways:

Know your effective interest rate, not just your stated one. A 7% stated rate means nothing without accounting for your forgiveness timeline, tax exposure, and total payments over the life of the loan. Most Student Loan Tutor clients have a negative effective interest rate, meaning they'll pay back less than they originally borrowed.

There's a 61% chance your servicer is handling your loans incorrectly. This isn't speculation, it comes from the Inspector General. Over a 25-year repayment period, the statistical probability of your loans being processed correctly every single year is lower than getting struck by lightning twice.

Your monthly payment and your optimal monthly payment are probably not the same number. If your effective interest rate is negative, the correct amount to pay above your required minimum is $0. Every extra dollar you put toward that loan is working against you.

The tax event at forgiveness is real and it requires a plan. When your loans are forgiven, the remaining balance is treated as earned income. For many borrowers, that's a $300,000 to $400,000 IRS bill in a single year. Plan for it now, or get blindsided later.

Taking control of your student loans is the first step toward building wealth. The difference between servicing your loans at the standard rate versus optimizing your plan and investing the savings can be seven figures over 25 years. Same income, same expenses, completely different outcome.

Book a call: https://remnantfinance.com/calendar !

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_____________________________

Most service members walk into the SBP decision the same way: someone hands them a checkbox at out-processing and they default to yes. But the Survivor Benefit Plan is a 30-year financial commitment with no cash value, no inheritance, and no way out once the window closes — and most people never study it before signing.

In this episode, Brian and Hans break down everything you need to know about the Survivor Benefit Plan before you're forced to make the decision — including when it makes sense, when it doesn't, and how whole life structured for IBC can make the conversation almost irrelevant if you start early enough.

Chapters:

00:00 – Opening segment

01:00 – What SBP is and why it matters at retirement

08:25 – How the premium and benefit structure works

14:05 – The three major problems with SBP

18:55 – When SBP actually pays off

26:35 – DIC: the VA benefit that changed the math in 2023

37:00 – The whole life alternative: side-by-side comparison

42:50 – Starting early vs. starting at retirement: the 10-year difference

49:35 – Full SBP vs. partial vs. whole life only: running the scenarios

57:40 – The hybrid approach

1:01:00 – Who SBP is right for

1:04:05 – Closing thoughts

Key Takeaways:

The question isn't full SBP or nothing. Most people never realize they can elect a partial SBP — say 25% — and get a guaranteed annuity for their spouse at a fraction of the cost. The checkbox you get handed at retirement doesn't show you that option.

Every dollar into SBP disappears into a government system and never comes back. There's no cash value, no policy loan, no asset to transfer. If your spouse dies before you, you've lost every premium paid with no refund and no recourse.

The nightmare scenario for SBP isn't dying young — it's living long and watching your spouse die first. You pay 30 years of premiums, your spouse predeceases you, and the government keeps every dollar. With whole life, the asset survives.
Know yourself before you decide. If Parkinson's Law runs your financial life and you'd spend the premium money anyway, take the SBP. Forced protection beats no protection. But if you have the discipline and cash flow to build something real, the whole life path wins on almost every timeline beyond the first few years.

Book a call: https://remnantfinance.com/calendar !

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_____________________________Most people don't think about long-term care until they're forced to and by then, it's often too late to get coverage. The statistics are stark: there's a 68% chance any American will need long-term care at some point, and for couples, that number jumps to nearly 90%. Yet most families never have the conversation until a health event forces their hand.

In this episode, Hans sits down with Travis McBride — fellow Navy helicopter pilot turned insurance strategist — to break down everything you need to know about long-term care planning.

Chapters: 00:00 – Opening segment 02:35 – Travis's background04:50 – What the brokerage does and who they serve 13:40 – Long-term care 101: statistics and why it matters 16:45 – The three ways to fund long-term care 17:20 – Traditional LTCI: how it works and the use-it-or-lose-it problem 18:50 – How carriers mispriced policies in the 90s and 2000s 24:10 – The premium increase trap: stuck and uninsurable 25:20 – Are the premiums guaranteed? 35:05 – Life insurance with an LTC rider38:50 – The six activities of daily living explained 43:05 – Hybrid/asset-based policies: repositioning vs. spending 45:15 – How leverage works inside a hybrid policy 52:30 – Reimbursement vs. cash indemnity55:45 – Who should be thinking about this and when 1:01:25 – What Medicare actually covers and what it doesn't 1:07:15 – The Washington State payroll tax 1:16:25 – How to connect with Travis

Key Takeaways:

Ask one question before signing anything: are the premiums guaranteed? Traditional long-term care policies were mispriced in the 90s and early 2000s, and carriers have been sending premium increase notices ever since.

Know how your benefits are paid before you need them. Reimbursement policies require receipts and ongoing claims filings every month. Cash indemnity policies cut you a check once you qualify and let you use it however you want.

Self-insuring isn't insurance — it's just liquidation. Having enough assets to cover a long-term care event sounds like a plan until you run the math. A nursing facility in Southern California runs $6,000 to $15,000 a month, and that's today's cost.

Hybrid policies reposition assets — they don't just spend them. Unlike traditional LTCI where premiums vanish if you never file a claim, hybrid linked-benefit policies give you liquidity, control, and a residual death benefit.

The best time to have this conversation is before someone needs to. The sweet spot for getting coverage is 45 to 60, when you're still healthy enough to qualify and premiums haven't become prohibitive. By 65, you're entering the game late.