show episodes
 
What matters most to you? We often hear it’s about family, faith and providing for future generations. This father and son podcast reminds you of the evening stories you hear while sitting back in a rocking chair on the front porch. The conversations are beyond talk of the stock market and more about the legacy you want to create. Truly, it’s a new perspective on how to see and enjoy this incredible land of possibilities in front of you.
 
Wealth Talks podcast is an educational podcast that helps you build Wealth in all areas of your life. Increase your Financial IQ, develop personal growth, and create a lasting legacy all while getting exposed to the strategies that successful people are using. You’ll get actionable strategies and intelligence that you can immediately put to use to start creating real and lasting generational wealth. See more on our website: https://www.life-benefits.com/podcasts
 
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show series
 
The theme of this podcast is KISS: Keep it Simple! But why? Check it out in this episode as Colton and Joel explain why you have to keep it simple. Highlights: When do you want to retire? - 1:37 Creating passive income - 1:59 Discussing passive income goals - 2:50 You have to plan all the scenarios - 3:24 Access to capital is the most important thi…
 
There are two categories into which all Life Insurance products fall: Temporary and Permanent. In general, term products are classified as temporary insurance, while whole life and universal life products are classified as permanent. It is important to understand how these different types of policies work when you wish to purchase the best type of …
 
Colton and Joel McGriff talk about the basics of why they started this podcast. It is not about giving surface-level information, it is about giving you actionable steps to make better decisions. Highlights: The guiding principle to start this podcast - 2:23 There’s a lot of theory everywhere - 3:30 Giving enough information - 4:12 The way they tea…
 
How many times have you heard someone recite sentiments along these lines “It’ll be my kids’ problem by then”… implying that they will be dead and their kids will have to deal with the problem instead. The lack of responsibility is shocking, and the results of this thinking are disastrous. We are all susceptible to this type of thinking. Even Hezek…
 
Some people firmly believe in financing every expense in life with a policy loan. Others believe in financing only the larger expenses, and many don’t know what to believe. This is a controversial subject with an endless number of opinions. While it is easy to be confused by the barrage of information available, following certain steps and keeping …
 
This podcast has special news: Colton and his spouse have a new baby! They are so happy as Colton explains how their life changed and about life insurance for newborns. Highlights Diaper changes - 1:41 Kids are expensive - 4:18 The value that a kid brings - 4:54 Controlling costs so that they do not become a problem - 6:30 Planning for “his son’s d…
 
In American society, more and more people seem to be less interested in making any sort of commitment, preferring a quick and easy relationship. Those only seeking a relationship are typically absorbed with themselves, looking only for what they can get out of the relationship. Commitments are very different. Those looking to make a commitment are …
 
Ice cream containers are shrinking - again. It used to be common for ice cream to be sold in a half gallon cartons. Some years ago, cartons shrunk to 1.75 quarts and just recently many ice cream cartons shrank again to only 1.5 quarts. Prices, however, did not shrink accordingly. Most prices stayed the same. This latest change is the equivalent of …
 
Gino Bartali was an Italian cyclist. Winning the Giro d'Italia in 1936 and 1937 and the prestigious Tour de France in 1938, Gino went on to win two more titles after the War, the Giro d’Italia in 1946 and the Tour de France in 1948. But it wasn’t for any of these races that Gino became a hero, it was for his work in the Underground. Under the guise…
 
Buying a Whole Life Insurance policy is a lot like starting a business that is guaranteed to succeed. In a world where 90% of startup businesses fail, talking about guaranteed success seems strange - even perhaps a little fishy. But when it comes to life insurance, you can indeed find sustainable guaranteed growth. Guaranteed growth may take more t…
 
Paul “Bear” Bryant famously said “Offense sells tickets. Defense wins championships.” Many investment advisors today are hyper-focused on the offensive side of wealth building (investing). Wealth building is just as much defense as it is offense. In today’s episode, Tom and John discuss how to get your Wealth Building defense running smoothly. Reso…
 
Many people pursue money to their own misery. If they only had more money, they reason, they would be happy and contented. With this mindset, they will never be happy. They will either be poor and miserable, or they will be richly miserable. Wealth, on the other hand, isn’t dependent on money. Money can be a part of wealth, but wealth is not a part…
 
Securities. The very name fills one with the sense of safety, conjuring up images of bank vaults, locked safes and armed guards. Ironically, many so-called securities are not secure. In fact, most securities are risky. …which brings up a question…are whole life insurance products considered securities? Do they share any similarities with securities…
 
Morbid as it sounds, to get the greatest rate of return from a life insurance policy, you could pay the first premium and then die. While we certainly don’t suggest this course of action, this method will undoubtably give you the greatest rate of return. Put this way, the whole concept of “rate of return” seems a little silly. However, it’s easy to…
 
In the world around us, many people have confused wealth with money. Sadly, many pursue money, but never take the time to build wealth. How do we build wealth, and how do we protect the wealth we build so as to leave an inheritance to our children’s children? In today’s episode Tom and John explore building wealth through the window of faith, and h…
 
Many Americans have worked hard to further their children’s education. Sadly, many realize too late, that much of the so-called “education” was really indoctrination which may have ruined their children’s values. Many children graduate from College and University with far different values, morals, and viewpoints than those held by their parents. Pa…
 
529 plans are touted as a way to save for your children’s education. But saving money in a 529 plan is a lot like sending your money to jail. Once your money is in a 529 plan you can’t use it for anything other than education. If you need to use that money for other purposes, you’ll pay a hefty penalty! But there is a way to get money out of a 529 …
 
…until you hear this. There is no question - paying off a mortgage early saves interest. But what will you be losing by paying off your mortgage early? It’s called Lost Opportunity. If you can simply earn 1.4% on the extra mortgage payments required to payoff a mortgage at 3.75% APR over 15 years rather than 30 years, then you can come out ahead of…
 
Queen was almost prophetic with their song… many Americans are biting the dust financially because they depended on financial planners who didn’t know the future. Of course the responsibility to take care of these people doesn’t fall on the financial planner, but rather on the client’s own children. This leads to the sandwich generation, people who…
 
Many people will say a picture is worth a thousand words… but that’s likely because they have never read a well written book, or listened to a great speaker. Krish Dhanam, a professional speaker who has spoken in 75 different countries across 6 different continents, has recently written two new books: Missives Mottos & Maxims, and Twilight. Today, …
 
The walls of Jerusalem were crumbling, just outside the Babylonian army was waiting to loot and burn the city and carry the Israelites into exile. In the midst of this looming catastrophe, God told Jeremiah to buy land. In such a time of crisis, why would God tell Jeremiah to buy land? Can this help us know how to act in today’s troubled times? In …
 
Recently a poplar investment and financial website ran an article about Life Insurance, but the article was inaccurate and not true. We responded with a new article on the subject, bringing much needed clarity to how Cash Value Life Insurance works. Today on Wealth Talks, John and Ben talk about the different types of Life Insurance available, and …
 
Protecting yourself legally is a must. But how do you go about it? Most Lawyers are happy to “set you up”, but it might be exactly that! Today on Wealth Talks, Tom and John are joined by Attorney Lee Philips, a Counselor to the U.S. Supreme Court, to talk about ways you can protect yourself legally. Do not miss this episode… Listen Now! Call John t…
 
Some people advocate borrowing from a life insurance policy for everything. Others vehemently oppose taking a policy loan at all. What should you do? The answer is simple though not conclusive… it depends. Sometimes it makes great sense to take a policy loan. At other times, you can save more money by borrowing elsewhere. Today on Wealth Talks, Tom…
 
With low interest rates right now, does it make sense to make extra payments right now? This is an area of confusion for many, and it is often glossed over by the experts in finance. Today on WealthTalks, Tom and John discuss making extra payments on a mortgage, and even using a HELOC to pay off the mortgage early. Knowing the facts can save you a …
 
Its been an exciting few days! The new book How to Build Sustainable Wealth has finally premiered as a softcover. Many people are struggling financially. They are doing all they know how to do, but their money keeps slipping through their fingers like sand. Frustrated and upset, they turn towards a Financial Planner for help. Sadly, this is often t…
 
The Economy is suffering, stability is not an accurate description of the Market, and the Federal Reserve seems to be playing a game of Jenga with our monetary system. It seems as if any moment everything could come crashing down. What should we do?… what can we do? In uncertain times, like the present, many are advocating buying silver or gold. Is…
 
Real Estate prices have been fluctuating for years. Goaded by natural disasters, crime and political intrigue, real estate prices have been anything but stable. Seemingly “safe” properties are not immune, the arrival of a less than desirable neighbor, or the whim of some politician can change your home’s value drastically. All told real estate seem…
 
The purpose of TUMS and other antacids seems straightforward - almost like a magical formula to solve Heartburn and acid indigestion. But how do antacids work? They either neutralize the acid in your stomach or, depending on the product, they might prevent you from making as much acid in the first place. With no acid to slosh up your esophagus, you…
 
It’s obvious that Christian faith is under attack on many levels across America. This inherently includes an attack on the Judeo-Christian values which support the ownership of personal property and allow American families to build sustainable wealth. Dr. Ralph Reed’s latest book For God and Country provides a defense of Judeo-Christian values espe…
 
YouTube has changed the world of learning. With a simple search, we can find videos to learn about almost anything under the sun. But there is so much non-relevant, outdated, and even mis-information online too, that trying to sort out the gold can be frustrating. Today on WealthTalks, you get a “behind-the-scenes look” at the Life Benefits YouTube…
 
The McGriffs talk about how you can be coachable through the process of life. They dive into some incredible coaches and explain using a NBA analogy. They recommend implementing the infinite banking system in our lives. Highlights: Being in the COVID world - 1:12 About generational planning - 4:19 Everything is changing - 5:15 Why coaching is neces…
 
Only 59% of Americans own life insurance and 50% of these people are still under-insured. Why don’t people own more life insurance? Perhaps it’s because they: Have been told it’s a bad investment? Have heard misunderstandings about life insurance Had an experience with a bad policy (or a bad agent) Or maybe they think: Group life insurance is enoug…
 
COVID is on the rampage! Stay safe, stay home, wear a mask, social distance, but you could die anyway. Fortunately, you can discover if you have the disease by taking a simple test. Unfortunately, 80% of positive test results are false positives, but so what? Oh, and pull up that mask, all the way over your nose… it’s to keep you safe… it’s to keep…
 
Many people think the Federal Reserve is a wing of government… but in actuality it is a Private Cartel. The unusual thing about the Federal Reserve is their ability to create money. We have to work to make our money, but the Federal Reserve can simply print its very own Benjamin Franklins. In today’s day and age, they don’t even have to print. They…
 
This episode is part three on the cash flow series! The McGriffs talk about cash flow during the pandemic and dive deep about how timing is everything. Highlights: Cash flow during the pandemic - 2:42 Everything happens the same way during a crisis - 3:30 One of the major things when it comes to cash flow - 4:29 The financial industry during the la…
 
Is The United States of America a Democracy, a Republic, or something else? Does the Constitution uphold the Lockdown? What is the Electoral College? Was the 17th Amendment in 1913 good or bad? These are important questions, how do we find the answers? Today on Wealth Talks, Tom and John are joined by constitutional scholar Rick Green. Rick knows e…
 
If you let procrastination get a grip on you, it can crush you! People procrastinate all the time, whether rushing busily around doing nothing, or lazily evading their work. One thing people procrastinate about a lot, is their money. They make their money, but then they lock it some place they can’t get it. Or, they hand it over to their Financial …
 
When will things go back to normal? What are changes that might arise from this pandemic? What is racism? What can we do about the personal economic impact of everything going on? Today, Rabbi Daniel Lapin (America’s Rabbi), TV host and bestselling author of the book Thou Shall Prosper, joins us on WealthTalks. Listen as Rabbi Lapin answers these a…
 
Krish Dhanam joins the show today! Are some of George Orwell’s famous predictions coming true? Ignorance is Strength Freedom is Slavery War is Peace Foundations matter - and no less in the times we are living today. When you draw a line there is always a price to pay, but history shows that people who draw the line and stand by their values are the…
 
Universal Life Insurance and especially Indexed Universal Life Insurance (IUL) is a relatively new type of insurance, and one which has created a lot of controversy. Some almost swear by it, others just as vehemently oppose it. Some like it because they say it allows them to still dabble in the market, while retaining a death benefit. Others detest…
 
Originally called “old-age insurance protection”, Social Security was supposed to be a supplemental form of income for those who had not saved enough. Today Social Security has become the primary source of income for many retirees. Social Security gets the money it pays out by taxing people who are still working and also by taxing its own payouts! …
 
This is part 2 on the three-part series about cash flow! The McGriffs talk about cash flow, how to build it, and why it is important. Highlights: Why we need cash flow - 1:57 Having a more certain future - 2:20 The importance of what Nelson Nash taught us - 4:46 The key is to ask “why” - 6:36 Having an independent thought - 6:54 A different approac…
 
We’ve probably all heard the term Becoming Your Own Banker. Why would anyone want to be a banker? Aren’t bankers the professionals? Why not just let them manage all the money? Today on WealthTalks Tom and John share some very interesting and astounding, numbers. At the end of this podcast you will not only realize exactly why you should manage your…
 
This is a three-part series on cash flow! The McGriffs dive in to understand why we do what we do in the financial space. Today’s episode is about thinking about retirement differently. Highlights: Their view about retirement - 1:38 Always creating value in some way - 2:01 Retirement as an amazing time - 4:51 We are always talking about cash flow -…
 
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