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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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Indie United

John Montoya

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Indie United is a podcast series that explores indie game development and beyond. We invite industry professionals to talk about the latest game development tools and tips on breaking into the industry. Support this podcast: https://podcasters.spotify.com/pod/show/john-montoya/support
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This Juan Time podcast is about connecting with unique individuals and relating to each other’s life experiences. We aim to share, what we deem, important knowledge with every curious listener. On that same note, we will not shy from the incredibly silly. Life is often too serious and we must laugh at ourselves or crumble under the pressure. juan@thisjuantime.com Support this podcast: https://podcasters.spotify.com/pod/show/thisjuantime/support
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Comedy Talk with Raymond Montoya and John Adrian! We are live every Monday from 6-8pm on Waveformradio.com! This comedy based talk show discusses current events along with interesting topics that are discussed with famous comedians as guests!
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We are The Theme Park Duo! We are a Husband and Wife team that absolutely love Theme Parks, Amusement Parks, Haunts, Dark Rides, Roller Coaster and many more things in the Theme Park world. Now the fun doesn’t stop here, we have a fun podcast called “The Theme Park Duo Podcast”. On that show we will talk about a myriad of topics and news of the Theme Park world. Along side the podcast, we have this site to publish all our reviews of upcoming theme park and haunt events. We have some fun peop ...
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Who says junior single-seater reporting has to be boring? The Feeder Series crew is here to bring you the latest on the world of feeder series, from Formula 2 all the way down to Formula 4 and everything in between.
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Mike and Dan get together on a Monday in the middle of August to discuss a notable move for the Leafs and a massive celebration for Islanders fans. Announced via tweet by Pat Brisson mouthpiece Darren Dreger, John Tavares has been replaced as Toronto's captain by Auston Matthews, a move that has little to do with the official party line of Matthews…
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A common misconception about whole life insurance is that you're locked into paying a big premium forever. In this episode, we'll discuss all the ways this is not true, especially when buying a policy designed for The Infinite Banking Concept, which most often uses the Paid-Up Additions Rider. Certainty has a true economic value, and the predictabi…
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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks XL sized episode, Gabe and NIkki discuss and review Midsummer Scream 2024. What were the big moments from the weekend? What announcements did we experience from our favorite haunts? We have info from: Knott's Scary Farm, Halloween Horror …
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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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Musician and comedian, John White, jumps on to talk about the Phoenix comedy scene in between pee breaks. He's a fun dude with a very observational perspective that really comes through in his comedy. Follows are Encouraged!: ig: @JohnWhiteComedy ig: @JuanTimePodcast x: @JuanTimePodcast @: @JuanTimePodcast fb: @ThisJuanTime www.ThisJuanTime.com ---…
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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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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks episode, Gabe sits down with the DCL Duo to chat about Disney Cruise Lines and Top 5 Do's and Don'ts when planning and experiencing a Disney Cruise! Follow us on Social Media: @themeparkduo Follow UUOP: www.uuopodcast.com Check out our Sh…
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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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A short sample of our latest Monthly Mail Bag podcast, exclusively for Country Club tier subscribers at our Patreon page. We start with whether the Islanders as currently constructed are good enough to compete in a (somewhat) rejiggered Metro Division, Patrick Roy's possibly identity for his players and who might end up surprising people this seaso…
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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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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks episode, Gabe and Nikki talk about Universal Epic Universe's latest reveal...DARK UNIVERSE! This will be the home to the newly imagined Universal Monsters and the highly anticipated "Monsters Unchained: The Frankenstein Experiment. We als…
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The mind behind the raging superstar that is "Starletta", Alex, joins me on location of her Wednesday night open mic at The Desmond in downtown Phoenix. Where you can win $100 for your best 2 minutes of material! When Alex isn't occupying her time as an entertainer, she fights to provide a future for stray animals with her non-profit, "Freedom For …
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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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Mike and Dan empty their tanks on the Islanders free agency signings, the draft, the Rangers imploding and The Wedding of the Century. It's been a busy few days on Long Island, and they've been good for the Islanders. Despite the craziness of free agency day, they signed speedy winger Anthony Duclair and brought back defenseman Mike Reilly on two v…
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Tim and I grew up in the same neighborhood. At the foot of "A" Mountain in a small town outside of Yuma, Az named, Wellton. Tim's father was the principal of my high school for over 20 years and he was largely adored. Tim has always been a great guy to be around and a very encouraging human being. Follows are Encouraged!: ig: @JuanTimePodcast @: @J…
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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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Mike and Dan look back at Kyle Okposo's Stanley Cup and Kyle MacLean's new contract before looking ahead to the NHL Draft and free agency with Ethan Sears of the NY Post. With the Panthers' 2-1 victory over Edmonton in Game 7, their long-suffering fans can finally feel some relief, while we can chuckle at the Oilers' failure, ESPN's issues and how …
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I paid David and Shannon a visit at their worker-directed brainchild, Beanchain Coffee, in Mesa, AZ. They are laying down some earth-shaking directives to give the working class a fighting chance in achieving a living wage and an improved work-life balance. Music: "Cyber Uppercut: by Zilla Beatz Follows are Encouraged!: ig: @BeanchainCoffee fb: @Be…
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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks episode, Gabe and Nikki talk about their experiences at Meow Wolf in Santa Fe, New Mexico! This bizarre, beautiful, and unique experience is unlike anything we've ever experienced. Find out all the details of this experience and everythin…
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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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On March 30, 2024 at the new Offside NYC in Manhattan, Mike and Dan were joined by listeners to hear their stories of their favorite Weird Islanders. We were gifted with tales of getting a Weird Islander jersey recognized in the desert, running into actual Islanders on Caribbean beaches, and rival neighbors preying on our loyalty, as well as with a…
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Kavan is a retired U.S. Marine, husband, and father of two. He is a talented Phoenix-based photographer and if you liked my headshots, you have Kavan to thank. Follows are Encouraged!: ig: @Kavan.Lake.Photo www.KavanLake.com ig: @JuanTimePodcast tw/x: @JuanTimePodcast @: @JuanTimePodcast fb: @ThisJuanTime www.ThisJuanTime.com --- Support this podca…
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In this special free sample of our latest episode of Country Club Atmosphere, Mike talks about how the NHL and the Islanders managed to seep into his time at the T20 Cricket World Cup games played at Eisenhower Park in the last couple of weeks. He tells us why ex-cricket players make better on-air talent than ex-NHL players, how one visiting journa…
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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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Enjoy this sample of June's Monthly Mail Bag podcast. Here, we look at sad fanbases, the death of Capfriendly, celebs at Islanders games and the least worst name choice for the NHL's newest team. Later, we tackle some different possible timelines for the Islanders, body switching, time travelling and uses for a few other super powers. We also discu…
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Phoenix stand-up and tattoo artist, Izzy, set aside his day trading and archery practice to sit down have an open conversation with yours truly. Raw honesty was on full display. Follows are Encouraged!: ig: @izzy_esc0 ig: @JuanTimePodcast tw/x: @JuanTimePodcastfb: @ThisJuanTimewww.ThisJuanTime.com --- Support this podcast: https://podcasters.spotif…
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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks episode, Gabe and Nikki talk the latest HHN News! Universal Orlando Resort recently announced their full slate of HHN Original houses. Then Universal Studios Hollywood and Orlando released information regarding their highly anticipated A …
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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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Joined by David Skurnik of Skurnik Wines and The Pinot Project, Mike and Dan remember the short Long Island stint of "superstar journeyman" Olli Jokinen. Jokinen arrived and left in two of the worst trades in Islanders history. In between, he was ridiculed by his general manager, dismissed by fans, endured long slumps and trade rumors, and only fin…
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F1 has Ferrari's Driver Academy, Red Bull's Junior Team, Williams' Driver Academy, McLaren's Young Driver Programme, Sauber's Academy and more...Yet very few people have the power to dictate the new drivers who will drive in F1 over the coming years, but Feeder Series sat down with one of them to talk about how a Formula 1 team picks their future.S…
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This week, I'm joined by Native Phoenix comedian and founder of the non-profit charity organization, Sponsor Orphans In TJ, Sandra Saldaña.When Sandra's not making audiences cry from laughter, or making miracles happen for the forgotten in Mexico, she enjoys finding destinations with great views to practice her love of skating. Follows are Encourag…
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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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Mike and Dan take a deep breath as the Rangers get eliminated from the playoffs, opening the door for the first ever edition of "Ranger Piece Theater." We do some dramatic readings of Blueshirts postmortems and examine how a fanbase that is catered to almost exclusively by the NHL's biggest broadcast partners somehow still seems to feel they are be…
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Franco Colapinto is the royal guest of Formula 2 to join the Feeder Series podcast, with the Argentinian Williams F1 Academy ace here to talk about Monaco and beyond! Join Jim, Daniele, and Martin for the Monte Carlo rundown and all the latest from F3 and F2. #formula2 #formula3 #roadtof1 #MonacoGPDon't forget to like this video and subscribe to th…
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Today I'm joined by Moses who co-hosts the Lay Frame Podcast with Chris Neumann. The show LIVEstreams on Facebook every Thursday at 7pm Arizona Time and coming soon to Roku! Moses is a Phoenix-based stand-up comic, mini truck builder, and breakfast cook. Follows are Encouraged!: ig: @LayFramePodcast fb: @LayFramePodcastfb: @Moses Mercado ig: @JuanT…
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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks episode, Gabe sits down with Greg Daniels (AKA Seaweed), an extremely talented scare actor who spent many years crafting his skills at Knott's Scary Farm. Get a behind the scene look at what it takes to become a scare actor, the prep work…
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In their Rangers-free zone, Mike and Dan discuss the recent trade the Islanders made with the Chicago Blackhawks that netted them an extra second round pick and some flexibility this offseason. Through a swap of first rounders, the Islanders received a well-traveled group of assets that could help them get rid of an onerous contract (whether they n…
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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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Along with Nassaumen Hockey's Jon Zella, Mike and Dan crown the first ever Weirdest Islander of the Year per the results of a listener vote. While several had the qualifications (less than 50 games played for the Islanders this season), only one man truly epitomized what makes a Weird Islander, with a long NHL tenure on other teams, a notable arriv…
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Formula 2 and Formula 3 return, and we have FRECA vice-champion Martinius Stenshorne on the podcast to talk you through the Imola weekend! Join Jim, Danielie, and Finjo for all the latest from Italy, plus what's going on in Super Formula and FRECA in 2024. #formula2 #formula3 #roadtof1 #ImolaGP Don't forget to like this video and subscribe to the c…
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A free sample of our marathon Mail Bag for May! In this short bonus episode, we answer questions about newest Islander Maxim Tsyplakov, the constantly overlooked Brock Nelson, the legacy of Uncle Leo and where the Hudson Line stops next. To hear the full two hour-plus episode, head over to Patreon.com/IslandersAnxiety and sign up for our Country Cl…
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Phoenix comedian, mother, and cross-stitching baddie, Sarah Steiner, joins me to riff on the comedy scene, working for a zoo, and the circus act of hosting Casey's Woodshed open mic in Tempe, Az. Follows are Ecnouraged!: ig: @AmIFunnyYetMom ig: @JuanTimePodcast tw/x: @JuanTimePodcast fb: @ThisJuanTime www.ThisJuanTime.com --- Support this podcast: …
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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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THE THEME PARK DUO PODCAST: SUBSCRIBE ON iTUNES, GOOGLE PLAY, STITCHER, iHEART RADIO AND SPOTIFY! On this weeks episode, Gabe and Nikki sit down to discuss news in the world of themed entertainment! First up is the Theme Park Bulletin with Fast and Furious: Hollywood Drift and the opening date for Tiana's Bayou Adventure at Magic Kingdom. Then we a…
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By popular (?) demand, we present a special standalone episode of an Islanders Anxiety favorite, dramatic readings of articles about the Toronto Maple Leafs. This time, we focus on the work of Jonas Siegel of The Athletic, "the Charles Dickens of Master Leaf Theatre," whose descriptions of the sorrow and misery of the Leafs' bleak house are as admi…
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Longtime family friend, gold miner, father, and class clown, Cris, comes on to talk about having a dad as his boss growing up on a dairy farm in the heart of Yuma County (Dome Valley), mining for gold, escaping a deadly car crash, gambling, fatherhood and marriage. Follows are Encouraged: ig: @JuanTimePodcast tw: @JuanTimePodcast fb: @ThisJuanTime …
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Mike and Dan talk about about how there's nothing to talk about regarding the Islanders, before turning their attention to division rivals facing each other in a playoff series. So far, the offseason news for the Islanders has consisted of signing a third string goalie out of Sweden and Matt Martin having a birthday dinner at an Italian restaurant.…
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The Formula Regional European Championship by Alpine (or FRECA) is all set for the 2024 season. Feeder Series is here to give you everything you need to know ahead of what promises to be another thrilling season. Jim has Percy joining him, alongside FRECA commentator Chris McCarthy and ex-driver William Alatalo to preview the upcoming year. #freca …
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