Your Personal Bank

Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even when you access them for other purposes.

Recent Episodes

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Dec. 10, 2025

80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them.

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns. To win a horse race you need a fast horse and a good rider. The index is the horse. An index that has a strong history o...

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Dec. 3, 2025

Just Like You Need a Fast Horse and Great Rider to Win a Horse Race, You Need a Strong Index and Great Strategy to Maximize Index Returns

Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk. Nvidia CEO, Jensen Huang, recently stated "The whole wo...

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Nov. 26, 2025

We Need a Marshall Plan to Improve Housing Affordability

The medium age of all homebuyers is a record breaking 59. First-time homebuyers average age 40, up from age 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legall...

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Nov. 19, 2025

How Index Annuities and Index Universal Life provide Unlimited Upside Potential without Downside Market Risk

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates). Index annuities and Index Universal Life ...

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Nov. 12, 2025

Reduce Your Market Risk with Indexes with up to 17% Average Annual Returns for the Past Decade with No Downside Market Risk

Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&P 500 at its highest levels ever. He highlights that the...

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Nov. 5, 2025

Index Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.

Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic. Index annuities and life provide unlimited upside potential with no downside...

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Oct. 29, 2025

The Buffett Indicator has Hit 217%, the Highest ever Recorded

Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble...

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Oct. 22, 2025

Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028

Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highligh...

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Oct. 15, 2025

How to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market Risk

Ferenc Toth, a financial literacy educator, speaker, and entrepreneur, discusses the financial strategies and risks associated with the current market. He highlights the importance of understanding financial tools and making ...

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Oct. 8, 2025

The AI Bubble is the Only Thing Keeping the US Economy from Recession

Ferenc Toth discusses the impact of the recent federal government shutdown, noting that 75% of employees are essential and 25% are non-essential, with the latter potentially facing termination. He criticizes the federal gover...

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Oct. 1, 2025

The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?

Ferenc discussed the impact of the Federal Reserve's interest rate cuts on mortgage rates, which unexpectedly rose due to high federal debt levels. He highlighted the current AI bubble, comparing it to historical bubbles like...

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Sept. 24, 2025

The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?

Ferenc discussed the Federal Reserve's recent interest rate cut despite high asset prices, debt, and inflation. He highlighted the dual mandate's counteractive nature and the political influence on rates. Ferenc noted the AI ...

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Your Personal Bank

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