Hans and Brian break down the internet outrage over Trump's proposed 50-year mortgage—and why almost everyone is missing the point.

The real issue? Homes aren't going up in value—they're going up in price. And it's not because of creative mortgage products. It's because we've been completely untethered from financial discipline, buying based on monthly payments instead of actual value. The average person moves or refinances every seven years anyway, so whether it's 15, 30, or 50 years doesn't fundamentally change the problem.

Hans walks through the net present value discount formula to show why all three mortgage options are mathematically equivalent when you understand time value of money. The key isn't which mortgage term you choose—it's what you do with the cash flow difference and whether you understand human behavior well enough to avoid Parkinson's Law.

Plus: why banks love principle-only payments (you're giving them 2055 dollars at full value today), the mortgage recast strategy your lender will never mention, and why the only real solution is controlling the entire banking function yourself so your kids and grandkids never have to step inside a traditional bank.

Chapters:

00:00 - Opening segment02:28 - Comparing total interest paid: 15 vs 30 vs 50 year mortgages 04:00 - The net present value discount formula explained 06:56 - Why understanding cash flow and equity matters 10:38 - The three variables that determine mortgage mechanics 13:00 - Parkinson's Law and the "compared to what" question

17:16 - Front-loading vs back-loading mortgage payments (policy loan example) 18:33 - The mortgage recast strategy banks won't tell you about 21:39 - Why future dollars are worth less than today's dollars 29:00 - The only two times you're secure in home ownership 30:22 - Taking control of the entire banking function for your family 34:07 - People don't buy homes, they buy monthly payments 37:37 - The already-broken system that 50-year mortgages expose 40:22 - Neil McSpadden's take: this isn't about affordability, it's about liquidity 42:00 - Comparing three different mortgage strategies with whole life policies 47:48 - The seen and the unseen: what are you doing with that capital? 49:00 - Why human behavior matters more than the math 51:00 - Nelson Nash and understanding the banking function first

Key Takeaways:

• Homes are going up in price, not value—untethered financial behavior and "what can I afford per month" thinking has driven housing costs through the roof for decades

• All mortgage terms (15, 30, 50 year) are mathematically equivalent when you understand net present value discount formula—what matters is what you do with the cash flow difference

• When you make principle-only payments, you're giving banks full-value 2055 dollars today without any discount—they love this because you're making them whole on payments that should be worth a fraction of their face value

• The average homeowner moves or refinances every seven years, making the actual loan term almost irrelevant—you're not paying off your house anyway, even with a 15-year mortgage

• Most lenders won't tell you about mortgage recasting—make a lump sum payment (usually $10k minimum), pay a small fee, and they'll recalculate your loan with a lower monthly payment while keeping the same term

• The real solution isn't optimizing which mortgage to choose—it's building a family banking system so you control the entire function: the repayment schedule, the equity, and the process

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more information

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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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Two-time NASCAR champion Kyle Busch just lost $8.5 million in an Indexed Universal Life policy after paying $10.5 million in premiums. This isn't just celebrity drama—it's a case study in why 90%+ of IULs collapse and why we'll never sell one.

IULs try to be insurance, savings, and investment all in one product. The result? A policy full of moving parts, changing cap rates, rising mortality charges, and a "path of least resistance" that leads most people to stop funding properly. By your 70s, the annual insurance cost skyrockets while your cash value evaporates. The company transfers risk back to you—the opposite of what insurance should do.

Whole life insurance has guaranteed increases, true downside protection, unlimited upside potential, and a 200+ year track record. Don't mix protection, savings, and growth into one product. Keep them separate. Think in years, measure in weeks. And whatever you do, don't "IUL" your financial future.

Chapters:

00:00 - Opening segment

01:44 - Kyle Busch

$8.5M IUL lawsuit introduced

03:51 - How did this happen? Bobby Samuelson article breakdown

05:43 - Agent structured policy to maximize his compensation

07:21 - Why celebrity cases expose industry-wide problems

09:19 - How IULs work: cap rates, floors, participation rates

13:07 - The mortality charge death spiral explained

14:32 - Real client story

18:32 - Why policies collapse in your 70s and 80s

20:18 - Net amount at risk breakdown

22:11 - IULs transfer risk back to you (opposite of insurance)

22:54 - Protect, Save, Grow: Don't mix them

26:13 - Why IULs exist and why they fail

28:17 - Whole life dividends vs IUL flexibility traps

32:52 - Proper protection across all life areas

35:12 - Long-term thinking vs optimization traps

38:17 - Conservative approach to new growth strategies

40:12 - Don't "IUL" your trading or life insurance

42:30 - Closing segment

Key Takeaways:

• Kyle Busch lost $8.5M of $10.5M in premiums in an IUL—brings national attention to product failure rates

• IULs have cap rates (max return), floors (usually 0%), and participation rates—but companies can change caps anytime

• 90%+ of IULs collapse because of human behavior traps and rising mortality charges in later years

• IULs charge monthly mortality based on net amount at risk—when policy underperforms, charges increase

• Insurance should transfer risk to the company—IULs transfer risk back to you

• Whole life has guaranteed increases every year, true downside protection, unlimited upside potential, and 200+ year track record

• Don't mix protection, savings, and growth—keep them separate and intentional

• Think in years, measure in weeks—stay conservative even when you find better strategies

• Only time to "buy term and invest the difference": when your only other option is an IUL

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Visit https://remnantfinance.com for more information

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Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )

Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )

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