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Life in Higher Ed

Denise Nelson Nash & Herminio L. Perez

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Welcome to Life in Higher Ed. We are senior higher education administrators and combined we have over 50 years of experience. We are here to talk about what goes on behind the scenes on college and university campuses. We surface the interesting, the confounding, and the seemingly absurd, and we do so with honesty and a sprinkling of humor. We want to help you not only survive but thrive and to know that you are not alone in your journey. If you are an administrator in higher ed or consideri ...
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Dollars and Nonsense focuses on helping individuals and families find financial freedom by leveraging the Infinite Banking Concept (IBC). The podcast delivers real-world tips, tricks, and techniques for anyone wanting to take their wealth to the next level. We do all this through the hosts sharing their vast knowledge and sitting down with experts. Plus, the show is for the average person—you don’t have to be a financial expert or an economics professor to get a metric ton out of every episo ...
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The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back in control of your mone ...
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The Banking Bros. Jeremiah and Jonah Dew, seek to teach people how to Save & Spend money at the same time by debunking the many money myths they were taught growing up. Learn more and schedule a call at https://go.oncehub.com/Cashcompoundconsultation
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Featuring 98 songs for non-stop Gospel music from the latest Artists of the World 1. Sarafina Thomas - Never Be The Same 2. Jordan G. Welch - Lead Me, Guide Me 3.Tamela Mann - Source 4. All Nations Music - Nothing But You 5. Sarah Téibo - Restored 6. Miranda Curtis - The River 7. Marked Music (feat. Kris Dillard & Tristan Smith) - Good God 8. Israel & New Breed feat. DOE - Broken People 9. Adrienne Gomez - Never Knew a Love 10. Jekalyn Carr - My Portion 11. Gabrielle Styles - When God Seems ...
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JDew teams up with some Tier 1 people, Tim Yurek and Olivia Kirk, of Tier 1 Capital in Pennsylvania for a joint podcast interview session. Tim met R. Nelson Nash, founder of the Infinite Banking Concept, in 1997—even before Nelson had published the groundbreaking book, Becoming Your Own Banker! Olivia is a second generation practitioner of the bank…
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Follow us through time as we talk about how The Infinite Banking Concept can make a difference in your financial life at every stage of life. We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond. It's not called "Whole Life" insurance for nothing! Tune in... ---- EPISODE HIGHLIGHTS: 02:26 Starting Infinite Banking in Your 20s 08:05 …
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If you're ready to learn more watch our full Save & Spend presentation where we explain not only the product behind Infinite Banking but—more importantly—the process. Learn more and schedule a FREE consult call at: https://saveandspendsystem.com/getting-started If you're interested in the source material (we didn't come up with this!) we'd highly r…
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In this episode, John Montoya explains the ins and outs of premium deposit funds. If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds. ---- EPISODE HIGHLIGHTS: 00:43 Advantages of Premium Deposit Fund…
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Stuck in traditional banking systems and feel like there's no better way? Most people never question the banking structure they use every day. Discover how to create your own banking system and leverage the six principles of infinite banking to revolutionize your financial strategy and secure your future. 📒Free Infinite Banking Resources 📒 What is …
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Becoming your own bank is more than just utilizing life insurance for investments. A typical conventional bank on the corner makes money from every deposit that ever enters their vaults. JDew and Jonah take some time to remind soon-to-be-bankers that their system is much more than just borrowing from one or two life insurance policies. All Cash Com…
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When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time. With money, we must use financial math to account for the time variable. When we do that, the numbers tell a much different story than what the "buy term, invest the difference" people tell. The true cost of term insu…
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Do you let your faith influence your finances? Most people don’t involve God or their faith when it comes to building a financial strategy. Find out how to fully unleash your financial potential by making room for God to show up in your life and discovering ways to step out of your comfort zone. 📒Free Infinite Banking Resources 📒 What is Infinite B…
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John Montoya covers 31 insights he devised about the importance of whole life insurance. This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security. There really is no other asset like whole life insurance! Tune in... …
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As we look this month at the minority money mindset it's important to consider where we've come from as a nation, the privileges that have been granted, and the road ahead. Are we playing catch up? Is there any way to get ahead? JDew reacts to a number of different videos in this episode sharing his insights and asking some hard questions. If you'r…
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Send us a Text Message. In this episode, Dr. Nadege Dady, dean of Student Affairs and assistant professor for the Touro College of Osteopathic Medicine, Harlem, NYC campus, talks about remaining flexible in moments of transition and positively engaged and "always work from a place of integrity." Nadege Dady, EdD Dr. Nadege Dady is Dean of Students …
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Are you gambling with your investments without even knowing it? Learn how to use the Risk-Reward Quadrant to evaluate opportunities like a seasoned pro and avoid common mistakes new investors make. 📒 Show Notes and Resources 📒 https://livingwealth.com/e242 Build a solid financial strategy with our FREE Infinite Banking Foundations course—the ultima…
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When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day. Because whole life insurance is an asset that builds equity, not all premiums are a true cost like they are with term insurance. In this episode, we break down the math and provide a real, apples-to-apples comparison …
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Want to become your own banker and build financial independence through infinite banking? Schedule your FREE consultation now! ------------------------------------------------------------------------------------------------------------ In this episode, Nate Scott discusses the three pillars of a fulfilling life: faith, community, and purpose. He go…
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What's the "Minority Money Mindset" and how did we come about it? JDew and Jonah preview the exciting 1st time collaboration with Denzel Rodriguez, a money master and mentor in his own right, for July 2024's "Cash Cultures Collide." Throughout the month of July, each Thursday afternoon will welcome a new conversational topic around finances and fut…
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In today's episode, we discuss a misleading IUL ad we found on Instagram. We break down the numbers to explain why this ad (and IUL in general) is, in our professional opinion, a smoke-and-mirrors game. Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk... Nothing cou…
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A chance encounter connected JDew and Hunter Gore in Greenville, SC, where they both live and work. While talking with a mutual friend, these guys realized that they both utilized cash value life insurance as a tool for capitalizing investment opportunities in real estate. JDew gets deep in a conversation with Hunter about what type of money mindse…
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In this episode, Nate Scott unveils the real reasons why retirement programs fail to produce financial independence for most people. He explains how they create a passive environment that is not conducive to wealth building, and how the timing of the market may not align with your life's timing, making you constantly financially vulnerable. Nate ad…
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Today, we have a special guest, Dave Mozeika, co-founder of the cash flow platform called Currence. In episode 103, we discussed the problem of a lack of focus on savings and spending. Today's topic, Currence, is the solution to that problem. Currence is about setting up a better cash flow structure that, combined with IBC, can create financial fre…
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JDew and Jonah are laying out what it means to leave a legacy and a number of different ways to get it done. They believe the absolute best way to leave a financial legacy is by using the Infinite Banking Concept so they explain what it means to use a whole life insurance policy to guarantee generational wealth. Learn more at https://www.saveandspe…
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In this episode, Nate Scott explores the three critical pillars of financial independence—income, security, and control—and reveals how Infinite Banking offers a unique pathway to achieve these goals. Drawing from personal experience, Nate illustrates how Infinite Banking serves as a cornerstone for building passive income streams, ensuring financi…
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In this episode, we'll discuss how IBC positively affects every stage of life, from your first job and accumulation to retirement and transferring a financial legacy. Tune in! ---- EPISODE HIGHLIGHTS: (02:08) Starting Your Financial Journey: First Job (10:47) Building a Family and Financial Security (19:50) Accumulation Phase: Growing (and Protecti…
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In this episode, Nate Scott discusses how to retrain your mind to see finances differently and overcome limiting beliefs. He explains that our brains filter information that seems unimportant to simplify decision-making, but this often leads to scarcity thinking and missed opportunities. That’s why Nate introduces the concept of infinite banking as…
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We have spent a lot of time discussing why paying premiums is great and why we should want to pay them for as long as possible. From an Infinite Banking perspective, why would we not want to capitalize our "bank" to the greatest extent possible? This begs the question: is it ever appropriate to not pay a premium for a long time? A "Single-premium" …
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Sergio Loaiza and JDew take time to introduce themselves as partners in The Cash Compound. Sergio is a family man, small business owner, and former emcee, who is ready to teach IBC to bilingual Save & Spenders. Coming from an immigrant family (Colombia) Sergio has always valued opportunity, family business, and being open-minded when the next step …
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In this episode, Nate Scott dives into whether it is possible to do infinite banking without using whole life insurance. He explores alternative financial strategies such as velocity banking and borrowing against brokerage accounts, comparing and contrasting them with the principles of infinite banking. While acknowledging the effectiveness of thes…
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How and when should you use IBC to pay for expenses vs just paying cash? In this episode, we share a "recurring expense funds" model that proves the mechanics of using The Infinite Banking Concept to better pay for large recurring expenses. Subscribers to the IBC MASTERY online course can watch a deep-dive video explanation of the recurring expense…
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In this episode, Nate Scott sits down with Corey Carpenter, an anesthesiologist and long-time client of Living Wealth, to discuss Corey's financial transformation. Corey shares his journey from being overworked and burned out to adopting the empire over retire mindset and building a life that he doesn't have to retire from. They discuss the importa…
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Do you even *want* to get well financially? Humans tend to reject solutions to their problems. In the book Becoming Your Own Banker, Nelson Nash talks about the problem most people face: they do not have control over their need for financing throughout their lives. If there is a solution to this problem, can you think of any reason not to embrace i…
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Uncle Joe vs. Justin Trudeau! JDew and John Durbano talk about mindset, Infinite Banking Concept, and helping people navigate keeping their money before they move on to investments. If you're interested in the strategies that we're employing for our finances we'd recommend you get the source material for yourself: R. Nelson Nash's book: Becoming yo…
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In this episode, Nate Scott dives into the whole life insurance debate by presenting five reasons why people believe infinite banking is a scam, and five opposite reasons why people like whole life insurance. His goal is to bridge the gap between those who support and those who criticize whole life insurance. Nate acknowledges the valid concerns of…
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Send us a Text Message. In this episode, Professor Kim Drake and Bernie Hernandez discuss the Inside-Out Justice Initiative and the transformative impact of educational exchange programs. As a faculty member involved in the program, Professor Drake highlights the collaborative nature of the initiative, emphasizing, "It is about collaboration; a kin…
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Buying things based on interest rates alone can be a big problem. We seeing the proof of that right now in the commercial real estate market where owners having to refinance at higher rates is causing fire-sales pretty much across the board. It's also true with other asset classes like whole life insurance. Sometimes people will pass up whole life …
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In this episode, co-hosts Holly and Nate discuss how her perspective on money and life has changed since her cancer diagnosis. They encourage listeners to live a life they love today, rather than waiting for a future that is not guaranteed. Holly emphasizes the importance of waking up every day and choosing to do what you love, understanding your p…
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JDew and two of his kids interview Becca Wilhite, author of "Beaver Bankers." After meeting at the 2024 Nelson Nash Think Tank, JDew wanted his boys to meet the author behind the book. Wilhite says that she was very skeptical when she first heard of IBC, but, now she's on a mission to break things down for children and adults alike. Check her out a…
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In this episode, Nate Scott discusses the confusion that happens when you misclassify policy transactions as income statement transactions instead of balance sheet transactions. Nate explains the difference between income statement and balance sheet and how they interact with each other. He provides examples of income sources and expenses and how t…
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Be sure to check the link below for additional resources in this episode! This week, we discuss the almost unreal financial potential of saving money. Yes, saving money. In today's world of unicorn startups, crypto, and all-time-high bull markets, saving money can sometimes seem like a wasted effort. We're here to show you that good, old-fashioned …
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In this episode, Nate Scott answers the five most frequently asked questions about infinite banking. He talks about the importance of choosing the right insurance company, how policies continue to grow even when borrowed against, the difference between direct recognition and non-direct recognition, the pros and cons of different policy designs, and…
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After stalking and stealing ideas from Wealth Nation for years, JDew was finally able to come clean to Darius and Carmet Britt, who have built an amazing presence on YouTube. Teaching American’s to “Own your Own Lifestyle” is part of the mantra of their online community of Infinite Bankers. JDew asks them about their background, culture, if their f…
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In this episode, Nate Scott walks us through the types of investments that make sense to fund using Infinite Banking policies and those that may not be a good fit. He explains why investments that produce cash flow, like real estate, private lending, and business expansion, work well with IBC. On the other hand, long-term passive investments, such …
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This week, we talked to a real client, Ian King, who has an impressive professional life. Ian works full-time in enterprise tech but is also a business owner and successful real estate investor. Ian talks about how, by ditching his ego and focusing on capitalizing (Infinite Banking) first rather than rushing to own more real estate "doors," he has …
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Send us a Text Message. In this episode, Dr. Bernie Savarese, vice president for Academic Affairs, Research, and Student Success at the University of Tennessee System, talks about the shared responsibility of student engagement for positive outcomes. "Student success it is about more than just metrics, it is about life, families, dreams and communi…
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In this episode, Nate breaks down the three main reasons why people who practice Infinite Banking end up with multiple policies. He explains what a MEC limit is, and what benefits you can get from insuring other people, like spouses, children, or even business partners. Nate dives into how policies can be strategically used for different purposes, …
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How does a retired cop get himself into Infinite Banking!? Nelson Nash Practitioner Brian Fleming, joins JDew in a conversation after their meeting at the 2024 Think Tank for IBC Practitioners. Fleming has been building financial fortresses around his clients' money for over 10 years. Join the conversation with the man from Milwaukee and half of th…
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In this episode, Nate debunks the idea that infinite banking is some magical arbitrage situation. He explains that infinite banking is about managing capital efficiently and using whole life insurance policies as a capital warehouse. He breaks down the misconceptions surrounding arbitrage in infinite banking and emphasizes that borrowing from polic…
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After publishing our 100th episode last week, we thought we'd take it back to basics for episode 101 and provide an "IBC 101" episode. Ten things you should know when getting started with The Infinite Banking Concept®. Join us as we discuss a list John Montoya created over a decade ago. It was no surprise to us that all 10 points are still applicab…
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Join Nate in this episode as he discusses the concept of family banking and reveals the three crucial steps to becoming a master family banker. Family banking involves keeping money within the family and mimicking the strategies used by wealthy families to create generational wealth. The first step is to store capital, which can be done through div…
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In the 100th episode of the Strategic Whole Life Podcast, hosts John Montoya and John Perrings bring together two of their best clients, Declan Wilson, owner of Bannside Construction, an SF Bay Area general contracting company, and Brant Scheifler, CEO of Automatic Outreach, a North Carolina SEO company, to share their experiences with The Infinite…
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David Zapata emigrated to the US as a teenager and is on his way to financial freedom through the Infinite Banking Concept and his group at Factum Financial. Zapata’s strategic thinking about what wealth really is—and what money is supposed to accomplish—has him set apart in his community in Arizona and beyond. JDew tries to steal David’s ideas, bu…
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In this episode of “Dollars and Nonsense”, Nate Scott challenges Dave Ramsey's advice on money and retirement. Nate shares his own personal journey and struggles with the pursuit of financial security, highlighting the pitfalls of hoarding money and seeking it as the ultimate source of fulfillment. By delving into biblical principles, Nate offers l…
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