Not Your Average Financial Podcast™

In this episode, we ask: What is the most dangerous lie in entrepreneurship? Who is Jason Duncan? What are the three tiers? What are we giving away? Have you heard Episode 289 and Episode 404? What is the purpose of business ownership? What do you want? …and more! Jason Duncan – known publicly as The Real Jason Duncan – is an entrepreneur, author, TEDx speaker, and podcast host based in Nashville. A former pastor and middle school teacher, he built a multimillion-dollar company from scratch after losing his job in 2011, earned recognition on the Inc. 5000 and Entrepreneur 360 lists, and spent years teaching the truth about business that most people were never taught. He is the founder of The Exiter Club, a pre-M&A exit advisory firm, host of The Real Jason Duncan Show, and author of the bestselling book Exit Without Exiting. His viral “Don’t Say Divorce” clip has generated over 32 million views across social media. Reach out at [email protected].

In this episode, we ask: Who is clocking back in? What did the study say? What did the recent AARP study with NORC at the University of Chicago reveal? Is this about “those people”? How many people are reaching retirement every single day? What choices are you making? What will your retirement look like? What is the structure of the problem? What are the failures? Did the cost of being alive just go up? Are the vehicles storing your money liquid and accessible? What is the average 401(k) balance? How many workers are carrying a loan against a loan against their 401(k)? What is the consensus “financial advice” on Reddit? Do you get to choose your retirement date? What about job cuts? What is the American context that we find ourself in now? Does the paycheck last? Will the house sale cover what comes next? Will you run out of money? Who has to tell the story when you do? How many years of assisted living care do you have saved up? Is the nursing home the greatest beneficiary of the life’s work? What is the major retirement plan for so many Americans? What is the cost of memory care? What wiped out the money? What happens to the adult children? Who tells the story? How many days of retirement do you have saved? What did the Boston College Center for Retirement research find? What do you imagine will happen? Were the families planning? Were the parents careless? How much does a nine-decade life actually cost? What’s leftover after you pay the bills each month? Is a grown child your backup plan? What are the 40s and 50s actually for? Do you have a layer of money that you control on your own terms? Will you be forced to sell something at the worst possible time? How about a case study? What changed for him? Why do growth assets make terrible shock absorbers? What about the part of the plan that doesn’t move with the market? What has a 160 year track record? What are the guarantees? What about access? Can you know the guaranteed minimum cash value? What does tax law say? Do you have to be 59 1/2? Can you be declined? What accrues interest? Can you borrow the same dollar twice? What about loan repayments? Who sets the terms after a crisis starts? Did his kids have to become his backup plan? Does a 401(k) loan interrupt the growth? What about being double taxed? Would you like to hear Episode 206? How is a Bank on Yourself® type whole life insurance policy loan under your control? Do those dollars have a job to do? What choice will you make? What is the Not Your Average approach? Who gets to write your story? What did AARP say is the reason retirees keep working? Who is easing back into work? Who is being fired from retirement? What is the social proof? Does Warren Buffet’s rule still apply? What are the takeaways? Is retirement a date or a duration? Is that asset a growth asset or another type of asset? Is running out of money a family story or an individual one? Is certainty a feature? What can you control? When does the guaranteed layer start? What are the action steps?

In this episode, we ask: What gets repeated so often that it starts sounding like settled truths? What is there to fear? What is “flexible” early on that leaves you more exposed later on? What is Zombie Myth #1? What is the return? Why so slow? What about a policy from 1963? Can you do better? Did you account for taxes and fees? What is the equivalent “return”? What about the liquidity? What is Zombie Myth #2? What about growth mutual funds? What about term insurance? What’s the difference? What drops when the market does? What about the stable part? What about the bonds part? Does the term buyer get a higher rate of return, just because one bought term? What about the marginal tax rate? What is in the taxable bucket? What happens when you bake all of those assumptions in? Where are the massive increases? What just works? What just grows? What starts to disappear? What is Zombie Myth #3? Does the cash value disappear at death? How can you get the dividends? What builds up the cash value and the death benefit? What happens when you pass away? How much did you start with? How much did your family get? How much was the cash value? How much is the death benefit? Who understands risk levels? What looks cheaper in year 1? What looks shaky? What delivers uninterrupted compounding and liquidity? What is Zombie Myth #4? What can’t you do with “buy term and invest the difference” and a Roth IRA? What are the income limits? What are the distribution limits? What money can go into a policy? Does whole life insurance compete with a Roth? What is Zombie Myth #5? Do insurance companies charge you interest to borrow your own money? What is positive arbitrage? Is the interest a pure cost? What is Zombie Myth #6? Do whole life policies perform as projected? What are the guaranteed values? What is contractual? What is the dividend scale? What are the non-guaranteed values? What does better than the original projection? What cannot be changed? What will an asset manager do? What are the actual results? What about the 1963 policy? What is Zombie Myth #7? What about big juicy commissions? What about designations like the CLU® , ChFC® , CFP® ? Who wants uninterrupted growth? What about accessible growth? What about uninterrupted coverage? What about putting the clients interest first? What about Zombie Myth #8? What is the worst of the products available? What would have happened to the 1963 policy if it had been invested in the market? What delivers, by a landslide? What is the claim? What are the decades of actual results? What are the criticism? What will win in the end? What is the truth? What about the ECS factor of efficiency, control and safety? What happens with a properly structured Bank on Yourself® type whole life insurance policy? What about contractual guarantees? What are three action items? What are the guaranteed values vs. the actual dividend scales? What is the difference between…? Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask: What was the comment that caught my attention? What is public information? What is the real difference? How does behavior factor in? What is the mindset? What is the mood of the overall malaise? What sounds more like an explanation? What is easier than doing your homework? What does that slogan do? Is the tax code special? How about a case study? What about a 162A bonus contract? What are the statistics for the top 1% club? What is the state of American household wealth? What can we do about that? Do you have a disability policy? Who cares about efficiency, control and safety? What are the two stories being told at once? How do those stories produce very different households? What do we have control over? What is out of our control? What can be a shock absorber? What about a thought experiment? What about forced equality? What about freedom? Is the money locked? What is the tax code 162A all about? What happens with households? What is the status of the American dream? Is the unfamiliar also immoral? Do the 1% tend to stay in the 1%? What beats the starting balance? What about default plans? What are the action items?

In this episode, we ask: What happens with speed? What happens with sequence? Who is pricing this in? Would you like to hear the results of some recent studies? What happened in May of this year? What is happening with inflation? What is happening with the federal debt? Are stocks the answer? Are bonds the answer? What do two-thirds of Americans fear? What is the magic number for retirement Who is going to outlive their savings? What will you do when you’re 82? Would you like to hear our episode with Les Himel? When do the scheduled benefits end? Who lives in “average return” land? Who lives in “sequence” land? What is going on behind the brochure language of your annual report? Who is buying stocks on sale? What happens in the accumulation phase? What happens when you start taking money out of your 401(k)? What about expenses during a market downturn? What is the window of the 5 years before retirement day and the 5 years after retirement day called? What about simulated failure cases? What happens when the money runs out? What’s the difference? How much is that gap? How about a case study? What looks like a fat hot dog eater? What looks like Usain Bolt? What happens with a Bank on Yourself® type whole life insurance policy during a market downturn? What is a fragile decade? What is the Not Your Average approach? Who is going to beat the market? What does the conventional thought say? Will your average return outrun that damage? What are the three things you can do this week? Do you have a personal sequence map? Is the cash value accessible without breaking compound growth? Do you have a sequence plan or a brochure? Who needs to hear this? Would you like to meet with Mark or one of Mark’s associates?

In this episode, we ask: What is Phil’s history in financial services? What’s happening with Lake Growth Financial Services? How is Phil enjoying the Bank On Yourself® strategies? Inside the credit union, how did the member-owned structure show up? How does the publicly-traded bank ownership show up? What about stock-owned life insurance companies? What about mutually-owned life insurance companies? What concrete behaviors show up each quarter? What did banks pull back from in 2020? What did credit unions continue to offer in 2020? How is this like a mutually-owned life insurance company? Where do the models diverge? What do I want? What about dividends? How much money do I want in somebody else’s bank? What about 175 years? What about the best of both worlds? What is guaranteed to grow, uninterrupted? What about buying a car? What about paying off the mortgage? What can grow every single year, guaranteed? What about working with kids? What other tool can offer guarantees? What other tool can offer uninterrupted compounding? What happened to the rates that caused many companies to de-mutualized? Why are credit unions always under threat? What’s nice about the mutual life insurance companies? What about the contracts that get grandfathered in? What happens when legislation strikes a credit union? When is the time to lock in the contract? What are the most important takeaways? How can I take more control over my financial future? How many strings are attached to the money? Do you have the control, the access and the liquidity? Would you like to meet with Phil? Phil Smith is a Financial Planning Associate at Lake Growth Financial Services, bringing more than 17 years of banking and credit‑union experience to the firm. A Bank On Yourself® client since 2013, Phil has personally used the strategy to navigate major life transitions, eliminate debt, fund investments, and build long‑term financial resilience—giving him a rare dual perspective as both a seasoned practitioner and a long‑term policyholder. Known for his disciplined, thoughtful approach, Phil draws inspiration from his journey in traditional kung fu, where he is a fourth‑degree black belt soon testing for master level. He applies the art’s core principle—time and effort—to helping clients build stable, flexible, and future‑focused financial strategies. Phil serves clients nationwide and can be reached at [email protected].

In this episode, we ask: How many questions do you have? Am I making a money mistake? What were Evan’s first questions? What happens if the dollar fails? What is the contract? What about inconsistent and fluctuating income? What sort of flexibility is there when there is a delay in a windfall? Is this a subscription? Are you forced to make a payment every month? What is a regular savings strategy? How do you plow more money into your assets? What is optional? What happens in tough times? Will I lose my policy if I can’t pay premiums? Can I just pay the base? How is the rider “fee” calculated? Where are the fees in life insurance? What are you buying? Are you purchasing a death benefit? What insurance costs coming out on an annual basis? What is the load cost of the paid-up additions rider? How does this compare to a stock account? How are the fees charged annually in a stock market account? What compounds and grows? What happens to a market based dollar? Has a life insurance company ever failed? What are the chances of the life insurance company going out of business? What are the characteristics of the kind of companies we work with? Who has crazy resilience and skill? Who thrives in downturns? What happens to the cash value when I die? How does that work? What is one pile of money? What happens when you’re alive? What happens when you’re dead? Why doesn’t the stock market consistently produce a 10% return, on average? What makes Evan’s stomach turn? What about the DALBAR QAIB study showing the real returns? What is the 30-year real return? Are you all in on stocks? Do you have a blend of stocks and bonds? How are they able to write higher numbers on the statements? What is the real dollar amount in the account? How does volatility destroy compounding? Can you compound money when volatility is present? What can truly compound? What tools can grow on a guaranteed and predictable basis? What vehicles in the financial universe facilitate compound growth? What protects against potential loss? Is there a better place? Where will your cash stay safe and liquid? Do you have control over your finances? Would you like to schedule a 15-minute introductory call with Evan? Evan Greathouse is a trusted Bank On Yourself® Professional who empowers individuals nationwide to achieve lasting financial independence. He specializes in the Bank On Yourself® strategy, helping clients build wealth with uninterrupted growth, liquidity, and tax-free, penalty-free access to cash whenever they need it. With a strong foundation in business management and real estate, Evan combines practical experience with a passion for financial wisdom. He is dedicated to guiding clients through their financial journeys with clarity, purpose, and integrity. Rooted in faith, Evan believes that a strong ‘why’ can conquer any ‘how’ and strives to help others align their financial decisions with their greater purpose. Above all, he values his relationship with God, his wife, and their three children. www.greathousefs.com

In this episode, we ask: Would you like to listen in on two Certified Financial Planners®? What is the difference between kind and nice? Did you love Mary Poppins? What kind of feedback would you like for improvement? What is best for the person I’m talking with? What can help the person in the long run? What about speaking truth with love? What did Amanda’s attorney say? How does this apply to financial advisors? What about Profit First? Would you like to hear the ninja belt series? How does one ask their financial advisor for kindness instead of niceness? What about retirement readiness? Should you give “nice deposits” or a compliment sandwich? What is the vision of a better future? How about an example? How do you ask permission to be kind? What happens if…? What is phantom income? How is the kind thing to check in? What is the most expensive phrase in financial planning? Is there a cliff on the other side of this? What is the exit? What will come back to bite you? What is more important than growth? Would you like to read Amanda’s Substack? Amanda Neely is a CFP® (CERTIFIED FINANCIAL PLANNER®) professional and CEO of Wealth Wisdom Financial. She makes financial planning more accessible through podcasting and through developing personalized financial strategies for individuals and couples, as well as profitability strategies for small businesses. She works virtually to help everyday Americans all over the United States to create smart, stable financial futures.

In this episode, we ask: Who is in the silver tsunami? What do we do with the bills, accounts, passwords, life insurance policies, heirlooms, etc.? Who is Adam Zuckerman? What is Buried in Work? Have you read No Loose Ends? What about Adam’s new digital platform, Heirloom and Tell? How do you start the conversation before it’s too late? …and more! Adam Zuckerman (JD/MBA) is the founder of Buried in Work, a leading resource that helps individuals, families, and businesses simplify estate planning and end-of-life tasks. Buried in Work’s resources include more than 150+ information hubs, 2,000+ articles, 100+ checklists and guides, service provider directories, a podcast, and innovative tools like the Executor’s Summary Report, CLEAR Kits, and card games that facilitate meaningful conversations about legacy and preparation. Adam’s mission is simple yet powerful: to make life’s hardest moments a little easier by helping families get organized, communicate openly, and prepare comprehensively for the unexpected.  

In this episode, we ask: Does buying stuff feel like a rigged game? What about leverage? What changes the game entirely? Have you heard the previous three episodes? What does TGIF stand for? Why is your need for financing greater than any other financial need? What are you handling? Are you in the driver’s seat? How do you buy everything? What about opportunity cost? Do you pay cash? Do you pay interest to a third party? Who benefits from the compound interest? Are these line items or wealth transfers? Does how you buy stuff matter? What happens to compounding growth when you spend? What about collateral? What about uninterrupted compound growth? What about paying debt service? What does all of this mean? What about liquidity? What about lifetime costs? How about examples? What does true leverage mean? What’s the good news here? How about case studies? What about liquidity, growth and access? What about efficiency, control and safety? What about having your money multitask for you? Would you like to hear Episode 32 on policy loans? Would you like to listen to Episode 206 on mechanics on how this really works? Would you like to focus on Episode 41 on real estate? Would you like to see the episodes in a list? Would you like to view the playlists? What are the key takeaways? Would you like to meet with Mark or one of Mark’s associates?