BetterWealth with Caleb Guilliams

BetterWealth Media
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BetterWealth helps 6–7 figure entrepreneurs build, protect, and grow their wealth through strategic whole life insurance designs and alternative wealth strategies. Your host, Caleb Guilliams, features powerful, deep dive masterclasses, real client case studies, and interviews with top financial experts, business leaders, and entrepreneurs, all designed to help you make more intentional financial decisions and master the wealth game.

  1. 3D AGO

    Did I Lose My First Infinite Banking Debate?

    I'm joined by Logan Hertz from @HazeltineLLC to review my first debate with Jim Dew on whole life insurance and Infinite banking. Where did Jim and I go wrong in our arguments and will there be a follow up date? Watch the Video on Youtube for Visuals - https://youtu.be/Z6xheBkvkO8 Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction and Setting the Stage 03:02 - The Importance of Defining Terms 08:21 - Distinguishing Products from Practices 12:09 - Critiquing Jim's Advisory Practices 20:46 - Debating Investment vs. Insurance 26:00 - Assessing the Debate's Impact 31:11 - Looking Ahead to a Potential Part Two DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    35 min

  2. MAR 27

    How to Avoid The Tax Reckoning Coming In 2035

    With the US over $39 Trillion in debt, David McKnight (@DavidMcKnight) is predicting a tax day of reckoning coming in 10 years which could result in 50% income taxes and possible changes to traditional retirement plans like Roth's and IRA's. David McKnight lays out exactly how to avoid this impending tax hike with practical strategies, he uses currently to help people pay 0% in taxes. Watch the Video on Youtube for Visuals - https://youtu.be/6g5a6OQ5uZ8 Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction and the "Day of Reckoning" 01:04 - 2026 Tax Landscape and Roth IRA Questions 02:28 - The Impact of Permanently Extended Tax Cuts 04:52 - A 10-Year Window for Low Taxes 08:09 - Debunking Criticisms and the National Debt 12:52 - Tax Master Class: The Future of Roth IRAs 16:42 - How the Government May Raise Revenue 18:13 - Strategies for Younger Investors and Retirees 21:13 - Determining Your Roth Conversion Strategy 23:57 - The "Sweet Spot" for Tax Brackets 27:31 - The Role of the Standard Deduction 30:19 - Why Advisors May Disincentivize Roth Conversions 34:31 - The "Print Your Way Out" Argument 37:30 - Life Insurance as a Volatility Buffer 38:32 - Rethinking the 4% Rule 46:42 - Addressing Misconceptions About Life Insurance 48:44 - The Benefits of Reverse Mortgages and Annuities 53:51 - A Question for Dave Ramsey 58:57 - The Luxury of Nuance in Financial Advice 01:01:05 - Final Warnings and the "Temporary Permanent" Tax Cut DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 3m

  3. MAR 24

    Dangerously Simple Advice To Create Generational Wealth

    What do the ultra-wealthy actually do to minimize taxes, build wealth, and protect their legacy? In this interview, I sit down with Toby Mathis ( @TobyMathis ) from Anderson Business Advisors to break down the real (and simple) strategies high-income earners and investors are using. We talk through why HSAs might be one of the most overlooked tax tools, how the “buy, borrow, die” strategy actually works, and the truth behind paying "zero in taxes". We also get into why diversification matters more than chasing trends, how to automate your investing for long-term growth, and how to start thinking about legacy planning, no matter where you’re at financially. Watch the Video on Youtube for Visuals - https://youtu.be/9RXthy7wNgI Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Learn More About BetterWealth: https://betterwealth.com Connect with Toby: TAP Registration: https://aba.link/6dda02 Free Emergency Binder (Digital): https://aba.link/8f3036 Emergency Binder (Physical copy): https://aba.link/e0ad9a Chapters: 01:21 - Introduction 02:14 - Toby Mathis’s Backstory 05:48 - Principles of Wealth: Make, Keep, and Grow 09:14 - Financial System: The 70/30 Rule 11:48 - "401k Millionaires" Through Discipline 14:24 - Why entrepreneurs often struggle as investors due to risk-taking tendencies? 16:59 - Impact of Legacy Planning 19:26 - Legacy Through Trusts 26:34 - Understanding Tax Planning 31:46 - Tax Strategies VS Those That Are Mostly "HYPE" 37:21 - S-Corps and C-Corps 39:32 - Wealth-Building Assets 46:13 - Toby’s 30/30/30/10 Rule for Portfolio Diversification 48:41 - "Buy, Borrow, Die" Strategy 53:52 - Asset Protection and Maintaining Financial Privacy 58:52 - Living Trust VS Standard Will 01:01:11 - Emergency Binder 01:03:00 - Why being overly public about your finances can lead to increased legal target risks? 01:06:20 - Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 7m

  4. MAR 20

    Is Security Mutual Secretly the Best Company for Infinite Banking? (Full Company Review)

    Is IBC with Security Mutual secretly the best choice? In this videos, Caleb Guilliams and Alden Armstrong review Security Mutual Life Insurance Company for Infinite Banking, breaking down the companies ratings, dividend performance, best policy designs, pros and cons, and more! Watch the Video on Youtube for Visuals - https://youtu.be/K9byidued4w Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guide Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Timestamps: 00:00 - Introduction to the Security Mutual Video 01:08 - Security Mutual Company Strengths and History 01:46 - Key Metrics: Dividends, Lapse Ratio, and Ratings 02:51 - Non-Direct Recognition and Interesting Fact 04:50 - Loan Ratio Comparison 05:34 - Security Mutual's Company and Ratings 07:31 - Security Mutual's Strong IBC Positioning 08:49 - Comparison of Cash Flow and Frontload Designs 09:29 - Cash Flow Design Overview 10:10 - Cash Flow Design: 40-Year-Old Male Illustration 12:24 - Front-Loaded Design Overview 14:35 - Cash Value Access and Loan Provisions 16:48 - Policy Repayment Limits and IBC Niche 17:17 - Paid-Up Additions (PUA) Flexibility and Riders 20:10 - Discussion on Optimal PUA Strategy for IBC 21:46 - Advantages of Security Mutual 24:04 - Ratings and Liquidity Risk 27:04 - Compensation, Support, and Complexity 28:29 - Key Takeaways and Conclusion 30:34 - Free Gift: The IBC Company Guidebook DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    31 min

  5. MAR 17

    The TRUE Math Behind Bank Loans vs Policy Loans (Surprising Results)

    James Barber from @OregonCashFlowPro challenges me on the math from my debate with @ChrisNaugle on bank loans vs policy loans. What James' found when he ran the numbers was surprising to us both. Watch the Video on Youtube for Visuals - https://youtu.be/3AAX1WfFzuY Watch James vs Chris Kirkpatrick | IUL Debate - https://youtu.be/gQKsAwSP4lI?si=FoP3vMovOcRf-zgw Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Timestamps: 00:00 - Introduction and Initial Thoughts on Loan Debate 03:44 - Spreadsheet Breakdown: Principal and Interest Payments 10:38 - APR vs. Stated Interest Rates 20:51 - Opportunity Cost and Storing Equity 23:52 - Analyzing the 6% Life Insurance Loan Scenario 30:28 - Third-Party Lenders and Loan Convenience 33:25 - Mindset: Liquidity, Control, and the "Own Your Own Banker" Concept 41:26 - Amortized, Simple, and Compound Interest 56:44 - Framework for Policy Use and "Dynamic Banking" 01:04:11 - Risks of Lines of Credit and Bank Liquidity 01:08:08 - Final Thoughts on Education and Industry Transparency DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 14m

  6. MAR 13

    The Dark Reason Private Equity Is Targeting Life Insurance

    Author Barry James Dyke exposes how Wall Street is targeting life insurance companies—and putting everyday Americans’ savings at risk. Using real examples, including the collapses of Phoenix Life and Ohio National, Barry reveals how private equity firms manipulate debt, reserves, and regulations—often with taxpayer support—leaving policyholders and retirees exposed. He also explains what individuals can do today to protect their wealth and retirement from these growing threats. Watch the Video on Youtube for Visuals - https://youtu.be/EqGOaSpayO4 Want a Whole Life Insurance Policy to Protect Your Retirement? Go Here: https://bttr.ly/bw-yt-aa-clarity Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Connect with Barry: https://www.barryjamesdyke.com/ Learn More About BetterWealth: https://betterwealth.com Timestamps: 00:00 - Introduction to Private Equity in Insurance 01:25 - Defining Private Equity and How It Works 07:46 - Impact on Retirement and Insurance 09:37 - Collapse of Phoenix Home Life 11:53 - Global Examples of Insurance Failures 14:34 - Financial Sorcery: Dividend Recaps 17:34 - Case of Ohio National 20:11 - Identifying Secure Insurance Companies 22:35 - Tools for Analyzing Insurance Balance Sheets 31:00 - Global Retirement Systems and Happiness 36:07 - Value of Cash Value Life Insurance 40:04 - The "Mickey Mouse Plan" 41:21 - Bank-Owned Life Insurance (BOLI) 45:10 - Why Wall Street Avoids Promoting Mutual Insurance? 48:23 - Final Recap and Advice DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    56 min

  7. MAR 10

    Confronting @HazeltineLLC Controversial Nelson Nash Video

    Caleb Guilliams confronts Logan Hertz from @HazeltineLLC over his controversial video calling out Nelson Nash and the Nelson Nash Institute. Did Logan's criticisms go too far? Watch the Video on Youtube for Visuals - https://youtu.be/aZCFOdmR4Fk Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Learn More About BetterWealth: https://betterwealth.com Timestamps: 00:00 Intro 01:30 Logan's Video Criticizing Nelson Nash 02:22 Why was the video made? 03:45 Was there a trigger point for the video? 05:24 Challenging the material and Nelson's principles 07:26 Personal experience with Nelson Nash and the Catholic discussion 10:59 Response to "Stirring the Pot" and Nelson's character 13:21 Becoming aware of the content in Nelson's book 15:42 Can you be apart of the Nelson Nash Institute and be a Catholic? 19:50 What Logan Respects About R. Nelson Nash 30:52 Articulation of the Infinite Banking Concept 33:56 Why Nelson and the book took off? 36:24 How the Institute should be funded: Donations vs. Free Market 40:47 Thinking long range vs. Biblical principles and living intentionally 43:57 Philosophical differences and estate planning 45:15 Nelson's use of scripture in his book 51:09 Focusing on ideas and self-criticism 53:51 Cultish worship vs. honoring Nelson Nash 57:39 Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1 hr

  8. MAR 6

    Attorney Puts Whole Life Insurance on Trial (Here's What He Found)

    Attorney Steve Gibbs Puts Whole Life Insurance on trial and Makes "The Case" for utilizing it Your Wealth Building Arsenal. Caleb Guilliams is joined by Steve, the co-founder of Insurance and Estates with a surprise guest, Barry Brooksby, to challenge him on why he calls whole life insurance a "guaranteed investment". Watch the Video on Youtube for Visuals - https://youtu.be/wk210M9jfLs Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Timestamps: 00:00 Intro 01:03 Introducing Steve & Barry 02:50 Barry introduces Insurance and Estates 05:09 Quantifying The Value of Credit Protection 09:56 Asset Protection From Contracts and State Laws 12:50 Cash in a Bank vs. Cash Value Life Insurance 15:02 Life Insurance as a Contract and Trust 16:31 Barry Addresses "Guaranteed Investment" Statement 18:07 Defining "Investment" and "Guaranteed Asset" 22:21 Contract as an Asset 24:46 How is life insurance considered a trust? 28:36 Steve's "AHA moment" on Life Insurance 33:42 Life Insurance Compared to 401ks 43:21 Steve's Personal Experience with Life Insurance 45:16 Why are people attracted to life insurance? 48:24 Comparing IUL (Indexed Universal Life) to Whole Life Contracts 55:20 Response to "Buy Term and Invest the Difference" 58:08 Legacy and Permanent Life Insurance 1:01:55 100 Years of Bond Yields vs Dividend Interest Rates 1:11:21 Why is Life Insurance so Hated? 1:18:50 Final Thoughts DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

    1h 20m
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4.9
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About

BetterWealth helps 6–7 figure entrepreneurs build, protect, and grow their wealth through strategic whole life insurance designs and alternative wealth strategies. Your host, Caleb Guilliams, features powerful, deep dive masterclasses, real client case studies, and interviews with top financial experts, business leaders, and entrepreneurs, all designed to help you make more intentional financial decisions and master the wealth game.

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