Episodes
June 25, 2025
How High can US Debt go before it Triggers a Financial Crisis?
Excessive government debt has contributed to inflation and is pushing interest rates higher. The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annu...
June 18, 2025
Stocks have not been this Expensive Relative to Bonds in nearly 25 Years
Pimco released a report recently and stated stocks haven’t looked this expensive relative to bonds in nearly 25 years. Bonds look better than they have for a long time. Pimco states "The traditional world order — in which eco...
June 11, 2025
Why are President Trump and Elon Musk Bickering Over the "Big Beautiful Bill"
Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it...
June 4, 2025
The Inventor of the 4% Withdrawal Rule has Updated His Recommendation. It is Significantly Less than Guaranteed Lifetime Income Benefits
Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in ...
May 28, 2025
Moody's Downgrades US Credit Rating, 30-Year Treasury Hits 5% (How to Increase Your Retirement Income Guaranteed)
Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt. As a re...
May 21, 2025
The Tariff War with China has been Paused
China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement. If the high tariff rates had gone into effect, it would have been similar to a trade embargo. B...
May 14, 2025
Retirement is not about a Number, It is about Cash Flow
Many companies and people focus on a number to achieve a comfortable retirement. Retirement is not about obtaining a number. It is about cash flow. The 4% withdrawal rate is often recommended to ensure you don't run out of mo...
May 7, 2025
More Americans Worry about Running Out of Money in Retirement than Dying
The 2025 Allianz Retirement Survey key findings: 64% of Americans worry more about running out of money in retirement than about death. The primary causes of their concerns are: - 54% cite the increased prices of goods due to...
April 30, 2025
Will the US-China Economic Cold War Lead to a Recession?
The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology. China and the US are decoupling economically. This is similar to the Cold War with th...
April 23, 2025
It is more than Tariffs. This is a China-US Economic Divorce.
The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology. China and the US are decoupling economically. This is similar to the Cold War with th...
April 16, 2025
Extreme Stock Market Volatility is Here Due to the Tariff Situation
The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning. The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal. China exports five times more to the US th...
April 9, 2025
How Will the Reciprocal Tariffs Affect the Economy and Our Money?
The reciprocal tariff policy is about Fair Trade vs. Free Trade. Reciprocal tariffs will be calculated both the monetary and non-monetary totals. The US will tariff the other country about half of the tariff charged to the US...
April 2, 2025
The Dot-Com Bubble Peaked 25 Years Ago. Are Investors Repeating the Same Mistakes?
It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn’t matter. The only thing that mattered was how much you put into it, because it was going to continue to...
March 26, 2025
The Market in Correction Territory. Is this Just a Correction or the Beginning of a Bear Market?
Ironic that the advice always the same. Stay the course. Hang in the there. It will get better. Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks. Hedge funds sold t...
March 19, 2025
Tariffs: What is the Trump Administration Economic Plan?
The Trump administration wants: 1. Fair trade rather than free trade. - Many countries have taken advantage of the US for decades. - Reciprocal tariffs are fair, stop taking advantage of the US. - Making things in the US elim...
March 12, 2025
Ishan Patel Interview
Ishan shares his fascinating personal story. His first job was an insurance agent learning from Ferenc with Your Personal Bank . Ishan Patel, CEO/Founder of Audien Hearing was recently named top 3 entrepreneur of the year in ...
March 5, 2025
What is Your Personal Bank and Why is Now is an Excellent Time to Consider Adding to Your Portfolio
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 after you access the funds for other purposes. Your Persona...
Feb. 26, 2025
Steve Trang, Disrupter Podcast Host
Steve Trang started the Real Estate Disruptors podcast in 2018 to inspire wholesalers and real estate agents to double their incomes by adding a second leg to their business – working together on investment properties. The po...
Feb. 19, 2025
The Government Waste is not Incompetence, it is Corruption
The amount of money wasted by the Federal Government is astounding. This level of waste is not incompetence, it is fraud. $2.7 trillion has been sent to recipients overseas who were not qualified to receive Social Security si...
Feb. 12, 2025
The Trump Administration is Moving at Light Speed
Most of Trump's executive orders are not changing anything. They are using common sense and moving the country back to it's foundational principles. The level of fraud and waste being exposed are shocking. This is a revolutio...
Feb. 5, 2025
Products We Offer: Your Personal Bank, Annuities, Guaranteed Income Riders, Life Settlements, and Premium Finance
We specialize in the following financial products: 1. Your Personal Bank: High Cash Value - Whole and Indexed Universal Life insurance policies 2. Fixed and Index Annuities: grow your money without market risk, access to over...
Jan. 29, 2025
We have a New Administration. What this means for our Money
President Trump has signed many executive orders. Some of the challenges will be resolved quickly. Others will take more time. The federal debt will likely push yields and interest rates higher for several years. Ferenc share...
Jan. 22, 2025
What Higher Bond Yields Means for Your Finances!
Higher bond yields (interest rates) benefits savers and punishes borrowers. How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off....
Jan. 15, 2025
Insurance companies have increased dividends and reduced borrowing rates for 2025!
Insurance dividends are 6%+ while policy loan rates are 5-5.3%. Dividend rates currently average about 1% higher than the cost of borrowing. Dividends are expected to increase for the next 3-5 years if not longer. Many financ...