Wealth Talks

Dave Ramsey get's it ridiculously wrong... Again

07 Aug 2018

Contributed by Lukas

Contrary to Dave Ramseys' recent claim, Millionaires DO use Life Insurance to Grow and Protect Wealth. Let's take a look together at some real-life ex...

What do these 2 levels of thinking reveal about your money skills?

31 Jul 2018

Contributed by Lukas

Level 1 thinking is emotional, easy and used by everyone. Level 2 thinking is logical and somewhat lazy. There is almost always more under the surface...

Smart Sensible Investing for the Thinking Person

24 Jul 2018

Contributed by Lukas

So many ways to invest - so many opinions - where should you start? For most people, investing will start with things they're already purchasing in th...

Missing these 4 crucial steps to creating wealth could cost you big time in your golden years.

17 Jul 2018

Contributed by Lukas

Discover the 4 Crucial Steps you need to implement and Create Wealth, Financial Security and Peace of Mind. Worldly wisdom completely reverses the ord...

Ep. 165 Why Life Insurance?

10 Jul 2018

Contributed by Lukas

People often wonder why they would want to use participating whole life insurance rather than some other financial tool(s)? The quick answer is becaus...

Ep 164 Trillion Dollar Bank Bailouts

03 Jul 2018

Contributed by Lukas

From 2008 the US government has bailed out major banks to the tune of 16.8 trillion dollars! But banks did NOT lose their own money, they lost deposit...

Ep. 163 The Social Security Myth

26 Jun 2018

Contributed by Lukas

Good things to know about Social Security so you can plan now for alternative options and financial security in your golden years. Also read: Retireme...

Ep. 162 Is College Education Worth the Expense?

20 Jun 2018

Contributed by Lukas

From 1987-2017 the cost of college education has increased 212% while wages have been fairly static. Student loans are an increasing burden for more p...

Ep 161 Why Now is the Time to Be Saving

12 Jun 2018

Contributed by Lukas

As regulations have been rolled back to pre-1960 levels, the wealth for US households has increased by an estimated $7.1 trillion dollars. Unemploymen...

Ep 160 How to Make More Money and Keep More of What You Make

05 Jun 2018

Contributed by Lukas

A couple years ago we interviewed Rabbi Daniel Lapin on an exclusive teleconference that was recorded with limited access. Today we're releasing this ...

Ep 159 Term and UL Lapsing

29 May 2018

Contributed by Lukas

Today on Wealth Talks Tom and Michele McFie talk about the lapse of Term and Universal Life insurance due to the ever-increasing premiums.

Ep. 158 How to Build Wealth when Whole Life Insurance doesn't help

22 May 2018

Contributed by Lukas

Sometimes the cost of insurance is too high. Sometimes a person's income is too low. Here's what can be done to continue growing wealth with The Perpe...

Ep 157 Process versus a Product

15 May 2018

Contributed by Lukas

Products are like tools - they can sit in your "toolbox" or you can use them in a Process to create wonderful results. Good tools are a joy to work wi...

Ep 156 Engineering Your Financial Future

08 May 2018

Contributed by Lukas

There's more behind a freight train engineers' job than meets the eye. Have you ever heard of "in train" forces? And there are parallels when it comes...

Ep. 155 Whole Life vs. Indexed Universal Life

01 May 2018

Contributed by Lukas

Beware of Indexed Universal Life (IUL) where guaranteed values are not long-term guarantees. Participation rates, cap rates, a different expense ratio...

Ep 154 Preparing for the worst of times

24 Apr 2018

Contributed by Lukas

The journey of life is full of ups and downs. Don't let the ride get you distracted from planning for the "worst of times". Here's what you need to kn...

Ep. 153 Commitment for Wealth

17 Apr 2018

Contributed by Lukas

Why commitment is important for building wealth. Just as it takes commitment to build fulfilling relationships and create value for customers in a bus...

Episode 152 Moving Money Through a Policy

10 Apr 2018

Contributed by Lukas

Moving money just for the sake of moving it doesn't create wealth. The flow of money must create VALUE to generate good profits and true wealth.

Ep. 151 Riches and Fame

03 Apr 2018

Contributed by Lukas

Do you want to to be Rich and Famous or just Rich? Results of a recent survey may surprise you. How you think about managing your money can make a big...

Ep 150 Minimalism, Materialism and Money

27 Mar 2018

Contributed by Lukas

Where to find the balance between Minimalism and Materialism when it comes to your money and Wealth. Resource Link: Prescription for Wealth ebook (Fre...

Ep. 149 The Story behind Wealth Talks Podcast

20 Mar 2018

Contributed by Lukas

Knowledge is learned, Wisdom is lived. Discover the story behind Wealth Talks, and how to create a secure financial foundation for your future. Resour...

Ep 148 The New Tax Law Changes

14 Mar 2018

Contributed by Lukas

Congress recently passed the biggest tax changes since 1986! In this episode former IRS auditor Jack Cohen CPA shares what you need to know (for indiv...

Ep 147 Indexed Universal Life Insurance (IUL)

06 Mar 2018

Contributed by Lukas

Why we NEVER recommend or sell Indexed Universal Life (IUL) insurance and what you need to know to grow and protect your wealth.

Ep 146 Advisor Qualifications

27 Feb 2018

Contributed by Lukas

Explore what qualifications and experience are most important when you're looking for sound financial advice to grow and protect your wealth. Mere cer...

Ep 145 Health Wealth Balance and the Room1 Event

21 Feb 2018

Contributed by Lukas

Michele shares the story of how she creates a wonderful health-wealth balance in the McFie Family lifestyle. Making choices to be healthy does NOT mea...

Ep. 144 Are Multiple Polices Better Than One?

13 Feb 2018

Contributed by Lukas

Is it wise to start 2 policies on the same person at one time? Should you borrow from one policy to pay the premium on another policy also known as "S...

Episode 143 Market Correction

06 Feb 2018

Contributed by Lukas

The news is abuzz with speculation on what could have caused the recent market downturn. Is this the beginning of a bear market or was it a simple val...

Episode 142 Bitcoin Observations

30 Jan 2018

Contributed by Lukas

Are bitcoin investors crazy? Or do they have a point? Explore the ultimate test of any currency (traditional, paper or crypto) and why government acti...

Episode 141 FAQ

23 Jan 2018

Contributed by Lukas

Answers to Frequently Asked Questions: Will it take very long?, What insurance company is best?

Episode 140 Maximizing Cash Value

16 Jan 2018

Contributed by Lukas

Policy design options to Maximize Whole Life Cash Value - what is worth considering and when. Learn why term riders could be a good option for some ca...

Episode 139 Our Product and Service Menu

10 Jan 2018

Contributed by Lukas

From educational material, strategy and policy design to personal training, software tools and document templates. Here's a briefing on how Life Benef...

Episode 138 Trump's Tax Plan

02 Jan 2018

Contributed by Lukas

Tax cuts by income level under Trump's tax plan + some benefits for business owners. Listen in and discover what this could mean for you.

Episode 137 Setting Your Goals with Tom Ziglar

26 Dec 2017

Contributed by Lukas

Special session with Tom Ziglar on Goal Setting plus advice from John and Ben McFie on setting your financial goals to focus on actions and service no...

Episode 136 Do I Have a good policy?

19 Dec 2017

Contributed by Lukas

Listen in on the way we think through reviewing a policy that seems okay but may not be balancing a client's financial needs. It's all about Money Man...

Episode 135 Loans, Interest and Dividends

12 Dec 2017

Contributed by Lukas

Should you ever let interest accrue on a policy loan instead of paying out-of-pocket? How often you should check policy values? Discover how to manage...

Episode 134 Summary of The Perpetual Wealth Code

05 Dec 2017

Contributed by Lukas

Key points of The Perpetual Wealth Code™ - an outline for busy people. From the 10-20-70 strategy, to the flow of money and how to eliminate lost op...

Episode 133 Wall Street or Main Street?

28 Nov 2017

Contributed by Lukas

Why it's better to build a financial foundation around the certainty of Main Street rather than risk on Wall Street. With the Perpetual Wealth Code™...

Episode 132 Choosing the Best Health Insurance

21 Nov 2017

Contributed by Lukas

Special guest Jack Hooper joins Dr. Tom and John McFie to share about how to find the Best Health Insurance and get special discounts, medical bill ne...

Episode 131 Money and Government

14 Nov 2017

Contributed by Lukas

Throughout history, governments have meddled with money and value. It's no different in today's world. Explore what's going on so you'll know how to b...

Episode 130 Conventional Investing Compared to the Real Cost of Insurance

07 Nov 2017

Contributed by Lukas

Mainstream financial advisors usually advocate a conventional investment strategy along with term life insurance to cover liabilities and family oblig...

Episode 129 I don't feed my kids hot dogs

31 Oct 2017

Contributed by Lukas

In this Episode Michele and Ben McFie fill in for Tom and John as they are on a business trip in Dallas TX. Listen to this episode and find out why Mi...

Episode 128 Using Interest as a Tool to Maximize Your Wealth

24 Oct 2017

Contributed by Lukas

On todays episode on Wealth Talks, Tom and John McFie share about how to think in percent and use interest as a tool to maximize your wealth.

Episode 127 Why Life Insurance

17 Oct 2017

Contributed by Lukas

Discover the reason why Participating Whole Life Insurance is such a good asset to secure a foundation for your financial future and The Perpetual Wea...

Episode 126 Post Wealth Summit Report

10 Oct 2017

Contributed by Lukas

This week on Wealth Talks Tom and John McFie give an update post Wealth Summit. Tom talks about Emotions and how they affect your finances, and John s...

Episode 125 Riders on Life Insurance Policies

03 Oct 2017

Contributed by Lukas

Different types of Riders that can be added to life insurance policies. Explore the pros and cons and the purpose of these different options. Discussi...

Episode 124 McFie Special

26 Sep 2017

Contributed by Lukas

John, Ben, Gracine, Jesse, Anna, Eva, Steven and Jordan (The McFie kids) are running the office, preparing for the Wealth Summit (Oct 6-8th), recordin...

Episode 123 Types of Life Insurance Overview

19 Sep 2017

Contributed by Lukas

An overview of the different types of life insurance and how to get more information.   Link to Perpetual Wealth Code™ Advanced Course: http://weal...

Episode 122 New Course On The Perpetual Wealth Code

12 Sep 2017

Contributed by Lukas

Breaking News! A new course on The Perpetual Wealth Code™ revealed. Great for rookies and clients who want to master The Perpetual Wealth Code™ an...

Episode 121 Policy Loan Interest

05 Sep 2017

Contributed by Lukas

How policy loan interest works. Explore how interest on a policy loan is figured, the options to pay it or add to the loan balance and what makes sens...

Episode 120 Death Benefits

29 Aug 2017

Contributed by Lukas

The loss of loved ones, and providing for those left behind is important. Life Benefits is focused on the living benefits, but death benefits is also ...

Episode 119 Get Rid of Financial Stress

22 Aug 2017

Contributed by Lukas

How to get rid of financial stress by proactively balancing your life so you can experience true wealth, health and happiness.

Episode 118 Funding Education

15 Aug 2017

Contributed by Lukas

Whether it's private school, tutoring, college or a self-taught program - there is a price for education.  Today we explore what you can do to boost ...

Episode 117 Planning a Legacy

08 Aug 2017

Contributed by Lukas

Planning a Legacy to make the world a better place. Discover what you can do to build a legacy while you're alive and how this shapes what happens whe...

Episode 116 Debt Extermination

01 Aug 2017

Contributed by Lukas

Discover how to payoff debt efficiently and build a foundation for wealth at the same time. Some people pay off their debt and have nothing to show fo...

Episode 115 Business Financing and Growth

25 Jul 2017

Contributed by Lukas

Using the Perpetual Wealth Code™ to finance business operations and business growth. Explore how the taxes work, and what you need to consider to pr...

Episode 114 Compound Interest

18 Jul 2017

Contributed by Lukas

It's been called the 8th wonder of the world and can work for you or against you. In the real world it does both at the same time. Discover what you n...

Episode 113 Tax Qualified Plans

11 Jul 2017

Contributed by Lukas

Important things to know about tax qualified plans so you can be a good money manager. Recommended Resources: Winning Your Financial GAME (book) with ...

Financial Independence

04 Jul 2017

Contributed by Lukas

Independence is more than just the absence of Slavery. Discover how to build Financial Independence in the right spirit to create true Legacy instead ...

Episode 111 Investing

27 Jun 2017

Contributed by Lukas

Saving and Investing in the right things at the right time to Win Your Financial GAME. Why risk it all when you can start with a solid guaranteed foun...

Episode 110 Buying Large Ticket Items

20 Jun 2017

Contributed by Lukas

How to best finance large ticket items like homes, real estate investments, college education and even cars to keep the most money in your pocket.

Episode 109 Volume of Interest and Velocity of Money

13 Jun 2017

Contributed by Lukas

Exploring elements of the Perpetual Wealth Code you can leverage to grow and protect your wealth - Volume of Interest, Velocity of Money and Free Cash...

Episode 108 The Wealth Summit

06 Jun 2017

Contributed by Lukas

The 2017 Wealth Summit is coming up in a few short months: October 6-8th. Discover the value of this seminar and then register for the best savings be...

Protecting Your Assets Episode 107

30 May 2017

Contributed by Lukas

If you're serious about building wealth, then protecting your assets is a MUST.  Today we share tips on Asset Protection and how to establish a solid...

Reading a Life Insurance Illustration Episode 106

23 May 2017

Contributed by Lukas

An illustration is to a life insurance policy what a blueprint is for a house. Michele McFie joins Tom and John to share how to read and understand th...

Planning For Taxes Ahead of TIme Episode 105

16 May 2017

Contributed by Lukas

Tax time doesn't have to be stressful IF you plan ahead of time.  Keep more of the money you make by planning in advance, and discover some helpful t...

Sharing with Friends and Family Episode 104

09 May 2017

Contributed by Lukas

Communicating Clearly and Effectively. Money, Politics and Religion are usually taboo topics in social circles of friends and family. But it doesn't h...

Financial Solutions Episode 103

02 May 2017

Contributed by Lukas

Solutions to help you increase and protect your wealth. From Education, Live Events and The Perpetual Wealth Code™, to online software, calculators ...

Retirement and Passive Income Episode 102

25 Apr 2017

Contributed by Lukas

Planning for Retirement and future Passive Income are top priorities for many people we talk with on a weekly basis.  Today on Wealth Talks, disc...

Wealth and Family Episode 101

18 Apr 2017

Contributed by Lukas

Preserving your family values for handling money and wealth.  Discover some simple practical activities you can do with your children to plant the va...

Downside of The Perpetual Wealth Code? Episode 100

11 Apr 2017

Contributed by Lukas

The greatest downside of The Perpetual Wealth Code™ and options for passive income in your Golden years.  Hint: The downside is also your greatest ...

Withdrawals vs Policy Loans Episode 99

04 Apr 2017

Contributed by Lukas

Do you want a withdrawal or a policy loan? Discover the important difference between these two, and how they affect Cash Value and Death Benefit growt...

What is a Paid Up Additions Rider? Episode 98

28 Mar 2017

Contributed by Lukas

Different insurance companies call the Paid Up Additions Rider by different names, and provide different payment options.  Basically this rider is us...

Variable Universal Life Insurance Episode 97

21 Mar 2017

Contributed by Lukas

Discover the ins and outs of Variable Universal Life Insurance (VUL). Does it make sense to buy VUL if you want to invest in stocks and don't need the...

Cheap Insurance is Cheap Episode 96

14 Mar 2017

Contributed by Lukas

Discover the dangers of Guaranteed No-Lapse Universal Life insurance and why guarantees in this product are not the same as the quality conservative G...

News and Updates Episode 95

07 Mar 2017

Contributed by Lukas

Ben and Jesse McFie join Tom and John in the studio sharing some recent news and conversations. Then we talk about being a good Money Manager and why ...

Comparing Life Insurance Episode 94

28 Feb 2017

Contributed by Lukas

Whether you're comparing whole life policies, or deciding whether it's the right time to take a policy loan, it is most profitable to Think in Percent...

Planning For the Future Episode 93

21 Feb 2017

Contributed by Lukas

Planning for the future with Convertible Term Insurance.  Explore the rates on good Convertible Term Insurance and get a sense of the future Whole Li...

Practical Review

14 Feb 2017

Contributed by Lukas

In this episode Michele McFie joins Tom and John to talk about Dividends and how to practically compare illustrations. She will also share with you so...

Real Estate Investing

07 Feb 2017

Contributed by Lukas

Insight on Real Estate Investing and The Perpetual Wealth Code™ with a "lump sum" of money versus an income stream. Discover why balancing life insu...

Universal Life Insurance

31 Jan 2017

Contributed by Lukas

Listen to this podcast and better understand Universal Life and the risk assumed by the policy owner.  Discover why basing your financial foundation ...

Dividends Explained

24 Jan 2017

Contributed by Lukas

Special guest Dan Foley, CLU (Vice President of Marketing Technology at Security Mutual Life Insurance Company of New York) joins Dr. Tom and John McF...

Good Debt

17 Jan 2017

Contributed by Lukas

How to manage debt wisely whether it's a mortgage, car loan, business loan or policy loan.  Life Insurance plays a key role in providing protection a...

Budgeting

10 Jan 2017

Contributed by Lukas

This week on Wealth Talks Tom and John talk about the keys to a successful budget. Listen to this episode and discover how a percent based budget can ...

Reaching Your Potential

03 Jan 2017

Contributed by Lukas

Replacing a Policy

27 Dec 2016

Contributed by Lukas

Should you replace an existing life insurance policy or keep what you have? Today we clear muddy waters surrounding this question and share some key f...

Report on the Economy

20 Dec 2016

Contributed by Lukas

We don't usually talk about job reports and confidence levels, but some special things are happening right now. Despite the looming stock market crash...

The Importance of Planning

13 Dec 2016

Contributed by Lukas

Joe Biden says "I no savings account, but I have a great pension and a great salary."  For those of us who don't have a six figure pension backed by ...

Smart Shopping

06 Dec 2016

Contributed by Lukas

The holiday shopping season is here again. Today we explore smart shopping tips (offline & online) integrated with The Perpetual Wealth Code™ to sav...

10-Pay Policies and Interest Rates

29 Nov 2016

Contributed by Lukas

Discover why 10-pay policies are NOT the best way to build wealth using life insurance.  Dr. Tom and John McFie discuss a recent case and how the age...

Being Thankful

22 Nov 2016

Contributed by Lukas

Being thankful is a powerful way to generate wealth that can never be replaced or taken away from you.

Diversification and PWLI

15 Nov 2016

Contributed by Lukas

Special guest Layla Vanderslice joins Dr. Tom and John McFie sharing about Diversification.  Is it good or bad?  Why does Warren Buffet say diversif...

Should I Pay Off My House?

08 Nov 2016

Contributed by Lukas

Do you want to payoff the mortgage on your house or have the money to pay it off? This is an emotional decision as well as a financial one. Listen wit...

Follow The Money

01 Nov 2016

Contributed by Lukas

Bribery and conflicts of interest are rife in Politics, Media, and Money Management.  The recent fiduciary ruling by the Department of Labor seems to...

Deferring Taxes

25 Oct 2016

Contributed by Lukas

Rich people look for strategies and "loopholes" to avoid and defer taxes all the time.  But some strategies only make sense for people with extra mon...

The Wealth Summit

18 Oct 2016

Contributed by Lukas

Fresh from the 2016 Wealth Summit, this week we share some thoughts as we all get back to the daily routine. Discover what you missed and be sure mark...

Insurance for Insurance

11 Oct 2016

Contributed by Lukas

Gracine joins the show today to share some underwriting rules and an easy way to calculate "Human Life Value".  Discover how to use term life insuran...

Episode 73 Saving and Investing

04 Oct 2016

Contributed by Lukas

Saving and Investing should never be equated, although they can cooperate together. Discover the proper places for saving and investing with The Perpe...

Community, Ownership and Stewardship

27 Sep 2016

Contributed by Lukas

Is it better to Share property, Own property, Or to be a Steward of property? Explore the history of different property control methods, and discover ...

Saving as a Way of Life

20 Sep 2016

Contributed by Lukas

Tom and John McFie analyze 8 Savings tips from a recent article and share considerations how to make your Savings plan into a Way of Life rather than ...

Time, Money, and Values

13 Sep 2016

Contributed by Lukas

In this Episode Tom and Michele McFie are in the studio together talking about Time, Money and Numbers.  Listen in for some life changing ideas, thou...