Vance Lowe
speaker
1,896 appearances
11 recordings
1 series
first heard May 2026
last heard 13 Aug
Vance Lowe’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 11 in all, peaking in Jul 2026 with 5.
Appearances
Again, that's something that can easily be bounced off us or talk about what limits should I have?
So yeah, Seth, I think setting that liquidity buffer and knowing what's coming in and you can tell on your eight year analysis, your monthly plan, that flow that should be coming in from work, from
Payments captured from what we call the 10% law and the extra that we haven't spent that month is all liquidity controlled by your bank.
And a lot of times that's significant because, again, when we first start this stuff out, we start pretty low.
We have this excess money.
And it would be a sad mistake if we think, oh, I have this excess money so I can go spend it.
No, don't do that.
Banks don't spend money.
People don't spend their money.
They put it to work and get it back.
So put it in the bank, put it to work one way or another.
So one more thing I would throw into this thing, we need to establish policy loan access.
Folks, it's not like a real bank.
We teach people what's called the 90-day rule.
We try to liquidate actual banking accounts and move it into our policies under what's called a 90-day rule.
And if you want to know more about that,
look at our other podcasts or whatever else, it keeps us from making the insurance carrier redo the loan too often.
Because if they do that, they have the option of stopping that, making you, no, you don't have that liquid of access anymore.
We're going to limit you to two loans a year.
We've never had that happen because all of our clients adhere to that 90-day rule.
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