The Banking Bros Podcast

Dave Ramsey Is WRONG About Whole Life Insurance – Here’s Why.

Dave Ramsey calls whole life insurance a scam, but we’re breaking down why his statements are misleading, and what he’s not telling you about how it really works. In this video, we go line-by-line through his article, fact-checking his claims, and explaining how wealthy people actually use whole life policies for the Infinite Banking Concept.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/save-and-spend-system-podcast-link
If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK:
https://www.facebook.com/cashcompoundhttps://www.instagram.com/thebankingbroshttps://www.tiktok.com/@thebankingbros
 
Shownotes: 
00:00 - Intro – Breaking down Dave Ramsey’s claims02:18 - Dave’s stance on permanent life insurance05:21 - Why “you’ll probably pay more than you get” is wrong07:05 - Whole life vs. other types of insurance09:50 - Mislabeling cash value as “savings”13:18 - Premiums and costs explained15:09 - Cash value guarantees – New York Life example18:42 - Death benefit and guaranteed payout22:03 - “Whole life is a rip off” – opinion vs. fact26:39 - Why mutual funds aren’t a guaranteed better option30:20 - How to fact-check financial advice34:44 - Final thoughts – Is whole life for you?
 
 

The Costly Mistake of Waiting Until 60 for Long-Term Care Insurance

Many financial gurus say to wait until 60 to get long-term care insurance—but that advice could cost you big. In this episode of The Banking Bros Podcast, we reveal why delaying coverage risks your health, finances, and family security, and how asset-based long-term care can protect you without wasting money.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 
Shownotes: 
00:00 – Why waiting until 60 for long-term care is risky 01:15 – The real costs of long-term care 06:20 – Assisted living, home health aides, and nursing home expenses 12:20 – How traditional long-term care insurance works 14:35 – Asset-based long-term care explained 18:05 – Dave Ramsey’s advice and why we disagree 22:20 – The reality of care needs before age 60 28:35 – The risk of longer-than-average care needs 33:05 – Stacking policies for better coverage 36:05 – Why you must act now, not later

Client Chronicles: Audrey Forka

In this episode JDew interviews Audrey Forka and they talk about how her up-bringing and her background in health care have influenced her passion for financial security and utilizing the Infinite Banking Concept.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

The American Dream Is On Layaway | How Debt & Inflation Hijacked Your Future

Is the American Dream still alive—or just delayed with interest? In this episode, Jonah and JDew break down how the system has normalized debt, vilified delayed gratification, and quietly let inflation rob your wallet. From student loans to rising grocery prices, we're all out here making payments on a dream that keeps slipping away. But it doesn’t have to be that way! In this episode we expose the myths of traditional financial advice and offer a bold alternative: ownership + liquidity = real freedom. If you're tired of waiting until 65 to live life, this one’s for you.
Key Topics: • Why debt keeps you broke longer than you think • How inflation is the invisible enemy of wealth • Why traditional retirement advice is outdated • How to reclaim financial control with ownership and liquidity
If you are ready to stop financing someone else’s dream and start building your own you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

Why Traditional Banks Failed Us + How Infinite Banking Us Free

The Banking Bros had the opportunity to appear as guests on the Infinite Banking Initiative Podcast and in this conversation Jeremiah and Jonah explore how traditional banking systems often fall short for everyday people, especially regarding wealth building, financial control, and interest pitfalls. They introduce the Infinite Banking Concept. They outline the mechanics, benefits, and considerations, aiming to empower viewers to rethink their financial strategies.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt
Check out the NNI Infinite Banking Initiative podcast here: https://podcasts.apple.com/us/podcast/jeremiah-dew-jonah-dew/id1788943766?i=1000717196146
You can learn more about us at: https://www.thebankingbros.com
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Stop Taking Financial Advice from Broke People—Break the Cycle of Bad Money Myths

Why does most financial advice come from people who are still broke? In this episode, Jonah and JDew, the Banking Bros, pull back the curtain on the outdated, recycled financial "wisdom" we’ve all heard:
💬 “Avoid all debt.” 💬 “Buy term and invest the difference.” 💬 “Get a good job and retire at 65.” 💬 “Save all your money in a bank.”
Sound familiar? Most of these ideas come from well-meaning family, schools, and media—but not from people who actually built wealth. In this episode we explore: • Why "tradition" doesn’t equal "truth" • Where mainstream money advice really comes from • How the wealthy think differently about debt, assets, and control • Practical steps to unlearn broke advice and build lasting wealth If your mentors don’t have the financial results you want... maybe it’s time to stop listening.
🔗 RESOURCES MENTIONED: - Our free Infinite Banking course ➤ https://thebankingbros.com/getting-started-yt - Nelson Nash Institute (Infinite Banking) - “Rich Dad Poor Dad” lessons - Forbes: Financial Education Gap
Schedule your FREE call with us at: https://thebankingbros.com/getting-started-yt
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

Your Bank Isn’t Safe—It’s Just Comfortable

In this episode of The Banking Bros, Jonah and JDew pull back the curtain on the truth about traditional banking. From sudden bank collapses like Silicon Valley Bank to the limits of FDIC protection, we’re exposing why “safe and easy” might actually be costing you thousands.
💸 What you’ll learn in this episode: • Why big banks still fail—and how fast it can happen • The truth about FDIC insurance (Hint: $250K isn’t much if you’re building wealth) • How banks make money off your deposits while you earn pennies • Why mobile apps and slick branding keep people complacent
🎯 Stop mistaking comfort for safety. Start learning how to take control of your cash and beat the system at its own game.
👉 SUBSCRIBE for more straight talk on money, infinite banking, and financial freedom from The Banking Bros. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://thebankingbros.com/getting-started-yt
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

Infinite Banking Interview: Brandon Neely

Today JDew interviews Brandon Neely from Wealth Wisdom Financial. He's an NNI certified, Profit First certified, Infinite Banker from Columbus, Ohio. In this episode he shares his financial journey, his faith, and his strategies for growing wealth.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

Stop Chasing Returns: The #1 Investing Mistake That’s Killing Your Wealth

Are you chasing big returns and wondering why your portfolio isn’t growing like it should? In this episode, The Banking Bros break down the truth about average vs. actual returns—and why the sequence of returns and drawdown effect could be wrecking your financial future.
– Learn why a 7% “average return” might be misleading. – Discover how early losses impact your retirement. – Get strategies to protect your wealth (even in downturns). – Stop chasing the next big win—start creating lasting results.
👉 If you're ready to build real wealth with smarter strategies, hit that subscribe button and join the movement. Then visit: https://saveandspendsystem.com/getting-started-page to learn more and to watch our full Save & Spend Presentation.
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

Tariffs Explained: The Secret Tax That’s Making You Broke

Think tariffs are just boring government stuff? Think again.Every time you buy a phone, sneakers, or even a banana—tariffs might be silently raising the price. In this episode of The Banking Bros, Jonah and JDew break down how tariffs work, why they exist, and how they’re impacting your wallet more than you might realize.
This isn’t just an economics lesson—it’s a financial wake-up call with laughs, insights, and a few fruit jokes.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

You Don’t Need a Financial Advisor—You Need Financial Awareness

Think you need a financial advisor to build wealth? Think again. In this episode of The Banking Bros, Jonah and JDew reveal why financial awareness is more powerful than handing your money over to someone else. We break down what financial awareness really means, how to achieve it, and why it’s the key to controlling your financial future. Whether you're drowning in debt or just starting your money journey, this video will show you how to:– Understand your own financial situation – Set and reach your money goals – Avoid costly financial advisor fees – Build lasting wealth on your own terms
This episode includes a sneak peek at our new course Save & Spend System Course—designed to take you from confused to confident with your cash. If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbroshttps://www.tiktok.com/@thebankingbros
 

Why My Kids Have Better Banks Than Most Adults | Generational Wealth Starts at Age 3

Imagine your 3-year-old being richer than your 30-year-old cousin... It’s not fantasy—it’s just financial strategy done right. In this episode, JDew breaks down why his four kids each have their own banking system built with whole life insurance policies. From locking in lifetime wealth tools to teaching stewardship and entrepreneurial thinking, this is a generational wealth blueprint every parent needs.
What You’ll Learn:
- Why insuring your children is actually wise, not weird - How whole life insurance builds unstoppable cashflow - How JDew is training his kids (ages 3–11) to own the bank
How to start your own child’s personal bank today:🚀 Schedule your FREE Cash Consultation: https://saveandspendsystem.com/getting-started 👨‍👩‍👧‍👦 Want to build legacy-level wealth for your family? Don’t wait.
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

What's Your Personal Liquidity Ratio?

If you lost your job today, how long could you survive without income? Most people guess... but there’s actually a formula to find your survival number. In this episode of The Banking Bros, we break down the concept of a Liquidity Episode—what it is, how to calculate it, and why it’s a non-negotiable for financial peace of mind.
Learn how to calculate your Liquidity RatioUnderstand what it means for your financial safety netDiscover tips to improve your emergency fund and reduce risk
Whether you're salaried, freelance, or just trying to get ahead financially, this is one of the most important numbers you should know.
"Don’t just build wealth—build security."Subscribe for more straight-talk money moves from The Banking Bros!
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound
https://www.instagram.com/thebankingbros
https://www.tiktok.com/@thebankingbros
 

The Hidden Costs of Lifestyle Inflation (and How to Avoid It!)

In this episode of The Banking Bros Podcast, Jeremiah and Jonah unpack the hidden costs of lifestyle inflation—that sneaky habit of spending more as you earn more.
Whether you just got a raise, bonus, or new job, this conversation will help you avoid the "earn more, spend more" trap that keeps people stuck. Learn how to use your extra income to build real wealth, reduce debt, and create long-term financial freedom.
In This Episode:
What is lifestyle inflation and why is it so dangerous?
How small upgrades can sabotage big goals
6 powerful strategies to fight lifestyle creep
Real tips to automate savings, set goals, and live below your means
Learn more at www.TheBankingBros.com

Maximize Social Security Benefits: Smart Strategies for Retirement Timing

In this podcast episode we explore the impact of the rising U.S. national debt on Social Security, smarter strategies for claiming benefits, and key considerations for taking Social Security at 62, 67, or 70. Plan wisely!Did you know you can watch the episode on YouTube? youtube.com/@TheBankingBros
Join the community and engage with like-minded individuals on facebook here: facebook.com/groups/cashcompound
Help spread the word by subscribing, leaving a review, and sharing the show with friends who want to take control of their finances. Reach Out:• YouTube: The Banking Bros• Website: The Banking Bros• Instagram: @thebankingbros• Facebook: The Cash Compound• X (Twitter): @thecashcompound
Want to sponsor the show or collaborate? Reach out at: help@thecashcompound.com
Links from the show:https://www.usdebtclock.orghttps://www.ssa.gov/retirementhttps://www.troweprice.com/personal-investing/resources/insights/how-can-i-create-a-smarter-strategyhttps://www.nerdwallet.com/article/investing/social-security/social-security-62-vs-67-vs-70https://www.ssa.gov/prepare/plan-retirement

How Much Do You REALLY Need to Retire? (Let’s Break It Down 💰)

Retirement doesn’t have to be confusing. In this episode of The Banking Bros Podcast, we’re answering one of the biggest money questions out there—how much do you REALLY need to retire?
Jonah and JDew walk you through a simple step-by-step strategy to figure out your personal retirement number based on your lifestyle, expenses, and income goals.
💡 What you’ll learn: 1. How to calculate your monthly and annual retirement expenses 2. Why inflation and taxes really matter 3. How the 4% Rule works (and how it doesn’t!) 4. How your lifestyle goals affect your total retirement savings target
👉 Subscribe for more episodes on Infinite Banking, financial freedom, and building wealth the smart way. And/OR if you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
Watch on YouTube!• Subscribe and watch our weekly episodes plus bonus clips at: youtube.com/@TheBankingBros
Join the Community• Learn more about the Infinite Banking Concept and connect with us at: thecashcompound.com• Join our free Facebook group and engage with like-minded individuals: facebook.com/groups/cashcompound
Support the Show• Help spread the word by subscribing, leaving a review, and sharing the show with friends who want to take control of their finances.
Reach Out:• YouTube: The Banking Bros• Website: The Banking Bros• Instagram: @thebankingbros• Facebook: The Cash Compound• X (Twitter): @thecashcompound• Email us: help@thecashcompound.com
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Want to sponsor the show or collaborate? Reach out at: help@thecashcompound.com

Diversify 101: Your Guide to Portfolio Diversification + IF and WHEN to begin

💰 Want to reduce risk and maximize returns? In this episode of The Banking Bros Podcast, we break down diversification—the key strategy that every successful investor employs! Learn how and when to spread your investments to protect your money and grow wealth.
What You’ll Learn: ✅ The 4 main asset classes (and how to balance them) ✅ How to allocate investments based on risk & goals ✅ Why ETFs & mutual funds make diversification easy ✅ The truth about alternative investments
💬 Got questions? Drop them in the comments—we’ll reply! 👍 Enjoyed this episode? Subscribe for more financial tips! 🔔 Hit the bell so you never miss an upload.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
You can learn more about us at: https://www.thebankingbros.com
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7 Passive Income Ideas to Make Money While You Sleep

💰 Want to make money while you sleep? In this episode of The Banking Bros Podcast, we break down 7 proven passive income strategies—from dividend stocks to real estate and the Infinite Banking Concept (IBC)—so you can start building wealth effortlessly!
 If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros

Why You Waste Money (The Psychology of Spending)

👇 Comment below: What’s your worst impulse buy? 💸 Ever bought something just to feel better—then regretted it? You’re not alone. In this episode, we break down the psychological traps behind emotional spending, social pressure, and sneaky cognitive biases that drain your bank account.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros
 

Budget or Fudge It!? (Strategies for Building Your Personal Finance Machine)

In our last podcast episode we talked about your emergency fund. And one of the only ways to accurately put together an emergency fund is to know how much money you are spending and how much you are saving each month. That all starts with a budget. There are lots of different strategies and ways that you can build and use a budget (and we talk about a lot of the popular ones in this episode). There's also an entirely different (and better) way that you can both save and spend—while on a budget—all at the same time.
If you're ready to learn more you've got to watch our full Save & Spend Presentation and then schedule a FREE call with us at: https://saveandspendsystem.com/getting-started-page
If you're interested in the source material (we didn't come up with this!) we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition) https://amzn.to/2ZMw0h6
You can learn more about us at: https://www.thebankingbros.com
Follow and like us on FB, IG, and TIKTOK: https://www.facebook.com/cashcompound https://www.instagram.com/thebankingbros https://www.tiktok.com/@thebankingbros