100 episodes

The Money Advantage provides simple, fun, and doable financial talk that helps you build financial freedom with cash flow strategies, Infinite Banking, and alternative investments.



We help entrepreneurially-minded wealth creators find and fix money leaks and leverage alternative savings strategies so they have more to invest, without working harder or sacrificing their lifestyle.



Through our family office model, we utilize strategies for cash flow, long-term tax reduction, estate and business legal planning, creative whole life insurance strategies (Privatized Banking) and alternative investments.

The Money Advantage Podcast Bruce Wehner & Rachel Marshall

    • Investing

The Money Advantage provides simple, fun, and doable financial talk that helps you build financial freedom with cash flow strategies, Infinite Banking, and alternative investments.



We help entrepreneurially-minded wealth creators find and fix money leaks and leverage alternative savings strategies so they have more to invest, without working harder or sacrificing their lifestyle.



Through our family office model, we utilize strategies for cash flow, long-term tax reduction, estate and business legal planning, creative whole life insurance strategies (Privatized Banking) and alternative investments.

    How to Take a Whole Life Policy Loan and Pay It Back

    How to Take a Whole Life Policy Loan and Pay It Back

    https://www.youtube.com/watch?v=RnzDMisQ5go









    Privatized Banking has the edge over other funding methods because of the strategic use of whole life policy loans.If you’re new to the concept, let’s rewind to make sure we’re on the same page. Privatized Banking is a strategy of building up cash value inside of a specially designed whole life insurance policy.  The cash value is a place to store cash that provides safety (your cash value won’t drop in value), growth (with guaranteed interest, plus non-guaranteed dividends), and liquidity (contractual access to use your money.) 















    When you want to access your cash value, rather than depleting your cash value by using it directly, you convert it to cash by borrowing against it.  That means you don’t use your cash value; you collateralize it and use OPM (other people’s money) instead.







    So, all of your cash value continues growing and compounding, even with an outstanding loan.  This is why you can earn a return on the same money in two places at the same time.







    Find out more about life insurance policy loans and why we use them here.







    Today, we’ll dig into the process of how to take a policy loan and pay it back.  We’ll de-mystify policy loans by talking you through the steps you’d take to move capital into usable cash in your bank account.  And you’ll gain the confidence to use your policy to the fullest capacity to maximize all of your money.







    Where Do Whole Life Policy Loans Fit into the Cash Flow System?















    Whole life policy loans are one small part of Privatized Banking, which is, itself, another step in a bigger journey to time and money freedom. 







    That’s why we’ve developed the 3-step Business Owner's Cash Flow System as your roadmap to go from just surviving, to a life of significance, purpose, and financial freedom. 







    The first stage is the foundation.  You first keep more of the money you make by fixing money leaks, becoming more efficient and profitable. 







    Then, you protect your money with insurance and legal protection and Privatized Banking. 







    Finally, you put your money to work, increasing your income with cash-flowing assets.







    Whole Life Insurance’s Three Rates of Return







    The power of whole life insurance comes from the three distinct returns it gives you: an internal return, an external return, and an eternal return.







    The internal return is the growth of your money through interest and dividends inside the policy.







    The external return is the growth on the outside investments when you put your cash value to work in other assets with policy loans, a process known as Privatized Banking.







    And the eternal return is the death benefit that provides an ongoing legacy to your loved ones.







    The Reason to Use a Whole Life Policy Loan: Control







    You capitalize on the external returns by using policy loans as a funding source.

    • 30 min
    Mastering Happiness, with Dr. Joel F. Wade

    Mastering Happiness, with Dr. Joel F. Wade

    https://www.youtube.com/watch?v=sOOnaH1iC-M









    In today’s show, we’re interviewing Dr. Joel Wade, of Mastering Happiness.  Dr. Wade is an Author, Psychotherapist, and Life Coach who’s centered his work on happiness, and helping people live happier, better, and more effective lives.  And we’re talking about true happiness and well-being, not simply the happiness of feeling good in a lucky moment of pleasure.  Instead, happiness is a set of skills, a practice, and an attitude toward life that you can learn and apply in whatever circumstances you are in.















    Where Happiness Fits into the Cash Flow System







    Here at The Money Advantage, we are a community of wealth creators who are entrepreneurially-minded business owners taking control of our lives and financial destiny. 















    It’s not enough to just make a great income.  You have to figure out how to keep more, protect that money, and finally, increase and make more through the right investing decisions.







    That’s why we have created the 3-step Business Owner’s Cash Flow System.  It’s your roadmap to take you from just surviving, to a life of significance, purpose, and financial freedom.







    The first step is keeping more of the money you make by fixing money leaks, becoming more efficient and profitable.  Then, you’ll protect your money with insurance and legal protection, and Privatized Banking.  Finally, you’ll put your money to work, increasing your income with cash-flowing assets.







    Today’s conversation will help you upgrade your mindset to be able to be a producer and creator of true life wealth, flourishing in every area of your life.







    Who Is Dr. Joel Wade?















    Joel F. Wade, Ph.D. is Marriage and Family Therapist and Life Coach, and the author of The Virtue of Happiness, and Mastering Happiness, and creator of an in-depth online course, A Master’s Course in Happiness, all drawing from the increasingly useful research in psychology in general, and positive psychology in particular; and his nearly four decades of working with people professionally. He has written regularly for a variety of publications, including The New Individualist, The Good Men Project, and the Beyond Wealth columns for the Oxford Club.







    He’s also a world-class athlete, having won multiple national and world championships in water polo.







    Dr. Wade enjoys teaching clear, practical skills and ideas that can be used immediately. He inspires his readers and listeners to take effective steps toward a more rewarding, joyful, and resilient life.







    As a Life Coach,

    • 52 min
    The New Year Planning Secret Every Great Entrepreneur Knows

    The New Year Planning Secret Every Great Entrepreneur Knows

    https://www.youtube.com/watch?v=SZpFzXjvYc4









    There's one thing most people miss when setting up their goals for the coming year. And because of this little oversight, so many new years resolutions that started out as cheerful balloons dancing towards the sky become like coins slipping our grasp and clattering to the ground. That means that New Years resolutions can become frustrating and apathy-inducing, and cause you to live so far beneath your potential.Well, lucky for you, there's a solution that will help you start off the new year strong and accomplish way more than you had imagined. It's this new year planning secret every great entrepreneur knows.















    As we transition into the new year - heck, a whole brand spankin' new decade - we wanted to bring you a personal message about how we close out one year and transition into the next with as much strength and intention as possible.  We think this will be really helpful to you as you’re building a life and business you love and taking control of your destiny.







    In this episode, we share our most important lessons from last year and how we’re using that as a foundation for success in the new decade.







    The Clean Slate of a New Year







    Ever since I was a kid, I loved waking up to freshly fallen snow.  The world was covered in white with no tracks, disruptions, or flaws. It was a fresh, clean slate.







    That’s how I feel about the new year. It's this clean slate that creates an expectancy, like anything is possible.  It’s a new beginning, a new start, and new goals.







    Purpose Instead of Resolutions for the New Year







    But instead of getting caught up in the buzz of new year's resolutions that usually are broken and fail within the first 24 hours of the new year, how do you stay in abundance and the right mindset?







    How do you set your intentions and purpose for the new year so you’ll succeed? 







    Start with this New Year Planning Secret Every Great Entrepreneur Knows







    Don't start by listing goals.







    First, honor last year's successes.







    Why?







    It's way easier to win again at a bigger thing when you're already winning.







    As Dan Sullivan coaches, this process helps you to stay positive by looking backward at how far you’ve come. It's like pulling back the slingshot to give maximum thrust and force to the rock you're shooting.







    How do you do that?







    Whether last year was a triumph that exceeded all of your goals, or whether you are still reaching for goals that you haven’t yet mastered, honor and value last year. The big and small triumphs along your journey have given you strength, lessons, and chiseled your character. They've laid the foundation for everything you can and will create in the future.







    This gives you a sense of closure, meaning and purpose about last year.







    And then, last year becomes a foundation that propels you into the new year as a better, stronger, kinder, wiser, and more successful person.







    Since this life is one long story, this is how you finish well in the middle of the journey.







    Our Year End Reflection Tradition







    In the Marshall house,

    • 23 min
    Paid Up Additions: Get the Best Policy Design With This Big Shift

    Paid Up Additions: Get the Best Policy Design With This Big Shift

    https://www.youtube.com/watch?v=ATfbEBmtzjE









    What is the perfect funding ratio between base premium and the paid up additions rider (PUAs)?  You may be surprised to discover that this question comes up over and over in our one-on-one conversations with people who want to implement the Infinite Banking strategy personally.  And since whole life policy design is important enough to discuss one-on-one, it’s relevant enough to dedicate some airtime to answering this question upfront, in case you may want to know the same thing.















    In this article, we dig into the more technical design of a whole life policy.  We’ll have a candid conversation about why we design policies the way we do, specifically regarding base and PUA premium.







    Instead of looking at it so closely that your eyes start crossing, you’ll zoom out. Then you'll get the best big-picture and long-term perspective.







    If you’re in the consideration stage, this will matter a lot to you.  If you’re still doing research, it will direct your attention to what to think about.







    You won’t have to merely trust someone else to lead you to your goal.  You’ll be more in control of the process of becoming a Infinite Banking user because you’ll be empowered with understanding. 







    Does It Work vs. How It Works







    You may be more of a conceptual person, like me.  For instance, I want to know the car is safe, reliable, and drives well. I don’t need to know anything about what happens under the hood as long as it serves me well.  Same with a computer.  I don’t want to know anything about circuit boards and coding.  I just need to be able to use it to write, record, store photos and videos, and use the internet. 







    But for the more technically-minded researcher who likes to geek out on something and understand exactly how it works before moving forward (and I say that with tremendous respect, after all, I’m married to one of those humans and it’s been a tremendous strength to me), drilling down to the inner workings may be a bit more of your style. 















    If you’re the person who wants to look under the hood and understand how everything works, this episode is for you. This is more about how whole life policy design works, rather than what it does.    







    Policy design is like the levers on a soundboard.  It’s nuanced and technical, a dance between art and science. 







    However, whatever your style, it helps to keep the main point in focus. More than understanding the mechanics and adjustments of how it works, you should pay close attention to the resulting performance.  This is like turning your attention from the controls on the soundboard to the quality of the sound produced. The outcome is what matters. Your ultimate goal is to deliver a moving and transformative ambiance and experience for the person listening to the music.







    However, if you don’t understand the concept, the details don’t matter.  And usually, if you do understand the concept, the details don’t matter. 







    Base Premium vs. Paid Up Additions







    You could think of base and paid up additions premium as the two opposite ends of a sliding scale. On one side, you could have a policy with all or mostly base premium. At the other end, you could have a policy with mostly paid up additions rider. 







    Policies can be designed with all base and no PUA rider, and on the other end of the spectrum, they can have up to 10% base and 90% PUA. And you'll also see just about everything in between. 

    • 42 min
    Hacking Your Wealth with Privatized Banking – A Client’s Story: Nnene Mbonu

    Hacking Your Wealth with Privatized Banking – A Client’s Story: Nnene Mbonu

    https://www.youtube.com/watch?v=PxjK_XqwRdo









    Nnene Mbonu, a real estate investor and one of our clients, is hacking her way to wealth with Privatized Banking. Find out how in this episode. 















    Nnene Mbonu has worked in the oil and gas industry for 18 years and seen the cyclical nature of the industry.  After facing two layoffs in the span of two short years early in her career, she knew that she wanted to be in control.  That’s when she began investing in real estate.







    Nnene has always been a researcher who isn’t afraid to take calculated risks and do things differently than everyone else.  When she came across the Infinite Banking concept, specifically as a tool to build business and investment capital, she knew she wanted to find out more. 







    Nnene would encourage anyone to do their research and then move forward.  We’re all given a unique set of circumstances, personality, and family.  The best thing you can do is to educate yourself and then take the best action you know to do right now.  Then, continue to grow, innovate, and evolve as a person.







    You’ll hear about how Nnene is using Privatized Banking for herself and her family.  But more than that, you’ll see she’s developing her #1 asset – herself – and building a legacy of wisdom for her children and the people she loves most.







    Where Does Privatized Banking Fit into the Cash Flow System?















    Privatized Banking is one of the most important parts of your entire Cash Flow System.  However, it’s just one step in the bigger journey to time and money freedom.  You need all the pieces in place to produce wealth systematically.







    That's why we have created the 3-step Business Owner's Cash Flow System. It's your roadmap to take you from just surviving, to a life of significance, purpose, and financial freedom.







    The first stage is the foundation.  You keep more of the money you make by fixing money leaks, becoming more efficient and profitable. Then, you protect your money with insurance and legal protection and Privatized Banking. Finally, you put your money to work, increasing your income with cash-flowing assets.







    Nnene Mbonu Conversation Highlights















    * Nnene shares her one regret that they paid off the mortgage first, instead of putting the cash into a policy. It’s far more difficult to get dollars out of the four walls of your home than to access policy cash value.* How Privatized Banking helps you get more than one use out of your dollars. It provides a death benefit, and cash value you can recycle over and over again.* Having the cash value provides you options on accessing capital, including borrowing from the life insurance company, or borrowing from another lending institution who recognizes the liquidity of life insurance cash value.* When you borrow against your policy, you’re not only paying yourself back, you continue to earn interest, even while you pay interest for the cost of capital. This allows you to be the bank, control capital, and earn uninterrupted compound interest.

    • 47 min
    When Things Don’t Go According to Plan

    When Things Don’t Go According to Plan

    https://www.youtube.com/watch?v=MAe9iUpEv0g









    Real life: today, things didn’t go according to plan.  Bruce and I had allocated the hour to recording a great podcast with a guest.  But there was a misalignment of time zones, and they didn’t show up.  Rather than wasting time and energy getting frustrated, we used the moment as an opportunity for our growth and yours. 















    When Things Don’t Go According to Plan







    So instead of the interview that we’d prepared for, we hit record anyway.  We talked about what to do when things don’t go according to plan.  And we jumped into the conversation at Bruce’s suggestion, at a moment’s notice, and without an ounce of preparation. 







    For me, that’s a tad out of my comfort zone.  I like to be prepared.  To think through and organize my thoughts ahead of time.  I find it a little unnerving to go into a situation without the least idea of what to expect. 















    But, here’s us, pressing into the edge of our comfort zone to lead you to do the same.







    See, in life, business, and wealth creation, you will encounter probably tens of thousands of times when things don’t go according to plan. 







    A client commits and then backs out.  A deal you thought was sealed falls through.  The negotiation doesn’t go in your favor.  Your webinar has zero registrants. A simple project takes more time, effort, and resources than expected.







    Sometimes, it’s a high-stakes situation.  But more frequently, it’s the smaller, seemingly inconsequential, but life-shaping moments.







    In today’s show, we demonstrate how to lean into the discomfort of the unknown, when factors outside your control deal you the unexpected.







    You’ll learn how to see these moments as opportunities to get out of our comfort zone, roll with the punches, rise to the occasion, and grow.







    Here's the real us.  Unfiltered.  It reminds me of how valuable it is to "be ready in season and out of season." (2 Timothy 4:2)







    Where Does Your Mindset Fit into the Cash Flow System?















    We’ve developed the 3-step Business Owner's Cash Flow System as your roadmap to go from just surviving, to a life of significance, purpose, and financial freedom.  The first stage is the foundation.  You first keep more of the money you make by fixing money leaks, becoming more efficient and profitable. Then, you protect your money with insurance and legal protection and Privatized Banking.  Finally, you put your money to work, increasing your income with cash-flowing assets.







    Your mindset is a part of stage 1, your foundation.  It takes the right mindset to succeed in business, craft a fulfilling life, and create sustainable wealth.







    Conversation Highlights & Resources







    * You can rewire your brain by choosing to think positive thoughts and envision good outcomes.* The perspective you continually, repetitively choose becomes easier.* Your mindset often becomes a self-fulfilling prophecy.* Choose, routinely, to step out of your comfort zone.

    • 13 min

Customer Reviews

OnOurWay!! ,

The best time to plant a tree....

....is 25 years ago!!!! The next best time is NOW!!!
Priceless information to add to your financial education and an amazing group of people to work with. Rachel and her team go above and beyond to help educate and inform about true Time and Money Freedom.
I only wish I’d met them earlier...

Katie Joy B. ,

Money Magic

Bruce, Rachel, and their wide variety of knowledgeable guests are making financial management viable! The great advice they provide, combined with the relatable way in which they deliver it had me hooked from the very first listen. Thanks for putting out such a stellar show guys - keep up the great work!

fullyinlove ,

5 Stars!!!

Great, perspective shifting information that will empower you to not only dream bigger dreams but to attain them. Highly recommend!!!

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