Remnant Finance - Infinite Banking (IBC) and Capital Control
Remnant Finance aims to revolutionize how you think about money. Join co-hosts Brian Moody and Hans Toohey, veteran military pilots and Authorized Infinite Banking Concept Practitioners of the NNI, as they dive deep into strategies that can transform your approach to personal finance. What’s Infinite Banking? It’s a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations. Join us as we challenge the conventional and build financial independence together. Subscribe to navigate your financial future with confidence!
E111 - Afterburners & Infinite Banking: A Fighter Pilot Becomes a Banker
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For the first time on the show, Hans sits down with a client. Major Jonathan Wright is an active duty Air Force F-35 pilot who...
E110 - Would You Raise Your Kids Like a 401(k)?
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Would you raise your children with the rules you accept for your 401(k)? Lock it away until 59 and a half. Pay a penalty to touch...
E109 - 25 Years of Watching People Die Changes How You Think About Money
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<...E108 - The Order of Your Returns Can Make or Break Retirement
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E107 - You Cannot Imagine How Expensive 2050 Will Be. Plan Like It.
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In this episode, H...
E106 - He Built Jet Engines for GE... Now He Teaches Families How to Build Financial Freedom | David Zapata
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In this e...
E105 - Stop Planning for Retirement, Start Planning for Freedom
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In t...
E104 - Someone Is Banking With Your Money Right Now (Is it You?)
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E103 - Insider Trading, Estate Planning & Life Inside the Iran War
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In this episode, We get a rare mid-deployment check-in with Brian, c...
E102 - I Checked Dave Ramsey's 12% Math. Average Rate Of Return Is Misleading…
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In this episode, Hans tackles the two questions every listener is a...
E101 - Becoming a Green Beret, Fighting the Mandate, and Running for Congress | Ft. John Frankman
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In this episode, Hans s...
E100 - Don't Die Without Creating These 4 Documents First…
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_____________________________In this episode, Hans welcomes back R...
E99 - IBC Master Class Pt. 3: How Policy Loans Actually Work
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In t...
E98 - How to Buy Whole Life Insurance with Pre-Tax Dollars (Legally)
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_____________________________In this episode, Hans is joined b...
E97 - IBC Masterclass Pt. 2: The MEC Line and Term Riders
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_____________________________In this episode, Hans returns for Part 2 of the IBC Masterclass, picking up w...
E96 - Infinite Banking Masterclass: Premium, Cash Value, and PUA
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In this episode, Hans walks through the mechanics of whole l...
E95 - The Truth About Treasuries, Inflation & Your Purchasing Power
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_____________________________In this episode, Hans explains the macroeconomic reality most people feel right now. Y...
E94 - The Three Types of Economic Death (And You Only Know One)
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_____________________________Hans goes back to the fundamentals, pulling from one of the rarest books i...
E93 - What Is an Annuity and Should You Have One in 2026?
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Hans brings back Travis McBride, a former helicopter pilot turned annuity a...
E92 - The Quality of Your Capital Matters More Than the Quantity
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If you just buy index funds and chill, you're living on a financial f...
E91 - Rate of Return Is a Trap (Here's What Matters)
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If everything fell apart and you had no income, could your family sustain i...
E90 - If You Have Student Loans Listen To This Before You Make Another Payment
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Most people don't realize their student...
E89 - Should You Opt Into The Military Survivor Benefit Plan? (It Depends)
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Most service members walk into the SBP decision the same w...
E88 - Have This Conversation With Your Parents Before It's Too Late
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_____________________________Most people don't think about long-term care until they're forced to and by then, it's o...
E87 - How to Become Your Own Banker in 2026 (Full IBC Strategy Session)
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In this episode, Joe Withrow sits down with Brian a...
E86 - "Everything They Sold You Is Fake" — He Quit His Job to Prove It | Van Man
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If you've been in the he...
E85 - Is Infinite Banking A Scam? The Top 7 Objections
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This episode dismantles the top seven objections one by o...
E84 - What Happens When the Economy Doesn't Need Workers Anymore?
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This episode examines Jordi Visser's recent analysis on w...
E83 - The Math Behind 1% Weekly Returns (And Real Client Results)
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You've heard us talk about Low Stress T...
E82 - How to Get an IBC Policy: The Walkthrough of Our Process
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You've been listening to the podcast. You've read Nelson Nash. You're sold on IBC. But n...
E81 - You Don’t Need Dave Ramsey, but Congress Sure Does!
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This episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, q...
E80 - Why Your Will Isn't Enough: The Estate Planning Wake-Up Call
Many philosophers have contemplated the inevitability of death and taxes. But despite knowing both are coming, most people avoid planning for either until it's too late. What happens when you die without a proper estate plan? What's the difference between a will and a trust? And why does the government already have an estate plan for you—whether you like it or not?
This episode tackles estate planning head-on. Hans walks through the foundational concepts from his CLU coursework while Brian shares the painful reality of navigating Pennsylvania's probate system after losing his mother. The contrast is st...
E79 - Protect, Save, Grow: The Financial Framework You're Missing in 2026
Joe Withrow, Brian Moody, and Hans Toohey deliver a joint strategy session on building a financial foundation that survives contact with reality. Why does traditional financial planning put growth before protection? What happens when your plan gets punched in the face? And why is Infinite Banking the only savings vehicle that accomplishes two critical goals simultaneously?
Most people have been trained to think their 401(k) is savings and their term life insurance is "just in case." They're told to focus on growth—index funds, average rates of return, retirement projections—while protection and actual savings become afterthoughts. But...
E78 - The Discipline That Separates Wealth Builders from Everyone Else
Brian breaks down the most misunderstood aspect of Infinite Banking: loan repayments. Why do we pay ourselves back at market rates? What does EVA actually mean? And what happens when you pay yourself more than the insurance company charges?
Most people think being their own banker means they can be loose with repayment—skip payments, pay whenever, charge themselves whatever rate feels right. You can, per the contract. But should you? This episode reveals why maintaining market-rate discipline for the full loan duration is what separates wealth builders from people who just talk about IBC. Brian explains wh...
E77 - The 401(k) Trap: Whose Water Are You Carrying?
Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.
Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?
The conventional model says lock your money away for 40 years, fund your own retirement, bear all the ma...
E76 - You Bought the Policy, Now What? Navigating the Four Stages of Infinite Banking
Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time.
Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progression from Saver to Wealth Builder to Business Banker to Infinite Banker, and explains why defining success is the only way to stop chasing "more" forever.
The conventional approach to money says sacrifice now, maybe live on ri...
E75 - Tax Implications for Low Stress Options: What You Need to Know
Hans and Brian sit down with the Tax Sherpa team—Neal, Serena, and Fatma —to walk through the tax implications of options trading before it's too late to do anything about it.
Most in the Remnant caucus of the Low Stress Options community haven't filed a tax return reflecting this trading activity yet. They're tracking weekly income in their spreadsheets and assume that's what they'll owe taxes on—but the brokerage statements tell a completely different story. The bottom line? If you're making real money trading options, you need actual tax strategy in place now—not in March wh...
E74 - Why 50 Year Mortgages Won't Solve the Housing Crisis
Hans and Brian break down the internet outrage over Trump's proposed 50-year mortgage—and why almost everyone is missing the point.
The real issue? Homes aren't going up in value—they're going up in price. And it's not because of creative mortgage products. It's because we've been completely untethered from financial discipline, buying based on monthly payments instead of actual value. The average person moves or refinances every seven years anyway, so whether it's 15, 30, or 50 years doesn't fundamentally change the problem.
Hans walks through the net present value discount formula to show why all...
E73 - Stop Hiding Money From Your Kids: The IBC Approach to Family Wealth
Brian and Hans record together IN PERSON for the first time at the Factum Financial Infinite Banking Mastery Event in Scottsdale, Arizona, joined by Josh Rose from Factum Financial. This isn't your typical financial conference recap—it's a raw conversation about why the best financial gatherings spend more time discussing kids, vacations, and family legacy than investment returns.
Whether you're struggling with the "we don't talk about money" generational curse or wondering how to raise financially literate kids without forcing them into specific careers, this fireside chat challenges everything conventional wisdom teaches about family and finances.
E72 - Why IULs Almost Always Fail: The Kyle Busch $8.5M Lawsuit
Two-time NASCAR champion Kyle Busch just lost $8.5 million in an Indexed Universal Life policy after paying $10.5 million in premiums. This isn't just celebrity drama—it's a case study in why 90%+ of IULs collapse and why we'll never sell one.
IULs try to be insurance, savings, and investment all in one product. The result? A policy full of moving parts, changing cap rates, rising mortality charges, and a "path of least resistance" that leads most people to stop funding properly. By your 70s, the annual insurance cost skyrockets while your cash value evaporates. The company tra...
