Wealth On Main Street

317: How to Build Financial Control Using Infinite Banking

Richard Canfield & Jayson Lowe — Thu, 16 Apr 2026 04:19:50 +0000

Life is full of unexpected twists and turns. From unforeseen expenses to dramatic income shifts, navigating financial uncertainty is a universal challenge. Imagine earning income, receiving it, and then years later, having a significant portion clawed back. Or facing a sudden, massive expense just as you're recovering from a period of low earnings. These are the kinds of financial battles Richard Canfield has faced, not just once, but repeatedly over the last 14 years. In a recent podcast episode, Canfield peeled back the curtain on his personal financial journey, revealing how a single book, Becoming Your Own Banker, revolutionized his […]

316: Discover Infinite Banking Through One Powerful Story

Richard Canfield & Jayson Lowe — Thu, 09 Apr 2026 13:14:54 +0000

Life often throws unexpected curveballs, prompting us to re-evaluate our paths. For Darcy Densmore, a seasoned professional with 35 years in the demanding oil field, a family health crisis became the catalyst for a profound career and financial transformation. His journey from drilling holes in the ground to empowering individuals with the Infinite Banking Concept (IBC) is not only inspiring but also a testament to the power of purpose and proactive financial planning. The Unforeseen Catalyst: A Family's Turning Point Darcy's life took a dramatic turn when his wife was diagnosed with breast cancer. While navigating the emotional and practical […]

315:How Infinite Banking Transforms Charitable Giving for Nonprofits

Richard Canfield & Jayson Lowe — Thu, 02 Apr 2026 07:36:28 +0000

Discover how Paul Eikeland, a former pastor, applies the Infinite Banking Concept (IBC) to optimize charitable giving and leave a lasting legacy for families and nonprofits. In a world where financial strategies often focus solely on personal gain, the idea of integrating personal finance with altruistic giving can seem revolutionary. But what if there was a way to amplify your charitable impact, ensure a lasting legacy, and still maintain control over your money? This is precisely the intersection where Paul Eikeland, a former pastor turned financial guide, has found his stride, leveraging the principles of Infinite Banking (IBC) to redefine […]

314: Alan Blecker Reveals Why the System Keeps You Broke and How to Take Back Control

Richard Canfield & Jayson Lowe — Thu, 26 Mar 2026 15:58:59 +0000

People often believe what they're told by those with credentials, but what if those trusted voices aren't always looking out for your best interests? Alan Blecker, a seasoned financial expert with over five decades around Wall Street, offers a sobering perspective on the financial landscape. After years as a CPA, CLU, and CHFC, he witnessed firsthand how the system quietly siphons money from the lives of average working and middle-class people. His mission now? To empower individuals to understand and regain control of their financial destinies. Blecker's journey to financial enlightenment, and ultimately to advocating for concepts like Infinite Banking, […]

313: How to Master Your Money Using Infinite Banking With Martin Vuksinic

Richard Canfield & Jayson Lowe — Thu, 19 Mar 2026 17:18:12 +0000

In a world often dictated by traditional financial systems, the concept of Infinite Banking offers a refreshing and powerful alternative. Martin Vuksinic, a seasoned entrepreneur and advocate for financial autonomy, shares his transformative journey and insights into mastering one's own money, even from a serene location in Mexico. Escaping the Conventional: A Path to Financial Freedom Martin's quest for financial independence began like many others, with dissatisfaction with conventional banks. His initial online searches led him down various paths, but it was the intriguing, albeit initially mysterious, world of Infinite Banking that truly captivated him. “How to start your own […]

312: The Costly Mistake Entrepreneurs Make That Kills Profit

Richard Canfield & Jayson Lowe — Thu, 12 Mar 2026 19:11:49 +0000

Many entrepreneurs work harder than anyone they know yet still struggle to consistently pay themselves. In this episode of the Wealth On Main Street Podcast, we sit down with Lisa Campbell, President of Profit First Professionals Canada, to explore why profitability is one of the biggest challenges for business owners. Lisa explains how the Profit First system flips traditional accounting by prioritizing profit and owner pay before expenses. This simple shift helps entrepreneurs gain control of their cash flow, reduce financial stress, and build a sustainable business. If you've ever felt like your business is growing but your personal income isn't, this conversation will challenge how you think about money, profit, and financial discipline.

311: Why Business Owners Need an Exit Plan Now

Richard Canfield & Jayson Lowe — Thu, 05 Mar 2026 21:15:41 +0000

For many business owners, the thought of exiting their enterprise looms in the distant future. Yet, as Certified Exit Planner and business coach Pete Mohr expertly illustrates, preparation is not a luxury but a necessity, often taking years. Without proper planning, owners risk selling under duress, leaving significant value on the table, and facing unexpected emotional fallout. This isn't just about selling; it's about safeguarding your legacy and financial future. The Harsh Realities of Unpreparedness Momentum in business can make it feel like an exit is far off. However, the market can be an unforgiving arena. He emphasizes that many […]

310: Is Your Business a Trap? How to Scale Absence and Reclaim Your Freedom

Richard Canfield & Jayson Lowe — Thu, 26 Feb 2026 19:56:55 +0000

The Hidden Danger of “Hard Work” for Business Owners You started this business for freedom, to build something meaningful, and to gain total control of your capital. But be honest with yourself for a moment: Who is the primary bottleneck in your company? If you were to take a real vacation for 30 days, no phone, no email, no checking in, would your business thrive, or would it descend into chaos? For most entrepreneurs, the answer is a painful realization: CHAOS. That is not a business. That is a high-stress, high-paying job that you cannot quit. The moment you take […]

309: How to Crush Limiting Beliefs and Build a Life of True Significance

Richard Canfield & Jayson Lowe — Wed, 18 Feb 2026 22:05:46 +0000

Have you ever felt like an invisible ceiling was capping your potential? You change your habits, you wake up earlier, and you read the latest business books, yet the same patterns of self-sabotage keep appearing in your finances and your relationships. In our latest podcast episode, we sat down with Rick Torrison, international speaker and author of Born Limitless, to discuss why most leaders fail to make sustainable changes. The answer isn't in your behaviour; it’s in your root beliefs. Why Your Past Is Informing Your Future (For Better or Worse) Rick shares a powerful metaphor about “scratched lenses.” Imagine […]

308: The Most Compelling Money Argument a Lawyer Ever Found

Richard Canfield & Jayson Lowe — Thu, 12 Feb 2026 15:30:14 +0000

Neil Dietrich spent 16 years as a Crown attorney before realizing stability had become a set of “golden handcuffs.” In this episode, he shares what led him to leave public service, how he rigorously tested the Infinite Banking Concept, and why he now calls it the most compelling financial argument he’s ever encountered. This conversation explores reinvention, risk, expert “lanes,” and how building a family banking system can create clarity, control, and multi-generational impact.

307: Dads Under Pressure, How to Ask for Help and Heal

Richard Canfield & Jayson Lowe — Wed, 04 Feb 2026 23:17:02 +0000

Most dads grow up believing one core rule: if something breaks, you fix it. If someone’s hurting, you protect them. If your family needs stability, you find a way. But what happens when life hands you something that can’t be fixed? That’s where this episode goes, gently, honestly, and powerfully. In this conversation on Wealth on Main Street, Jayson Lowe and Richard Canfield sit down with Jean Dubois, father, husband, and author of Dads Can’t Fix Everything, for a discussion that isn’t about “toughing it out.” It’s about showing up, asking for help, and building certainty where you can… especially […]

306: The Simple Truth About Infinite Banking

Richard Canfield & Jayson Lowe — Thu, 29 Jan 2026 15:08:08 +0000

Infinite Banking isn’t about tools or tactics. It’s about controlling cash flow, rethinking money, and building confidence for your family’s future.

305: The Ultimate Wealth Strategy for Families Who Think Long-Term

Richard Canfield & Jayson Lowe — Fri, 23 Jan 2026 08:05:47 +0000

For more than three decades, Jayson has quietly built something most people never see coming. No hype. No speculation. No “get rich quick” tactics. Just a boring-looking system that produces extraordinary results. In this special anniversary episode of Wealth On Main Street, Jayson pulls back the curtain on a journey he’s kept mostly private for 32 years and explains why 2026 is the year he’s finally opening the vault. What follows is not an investment pitch. It’s a strategy conversation about control, compounding, and building wealth that lasts longer than you do. A 32-Year Journey That Started With Curiosity When […]

304: What’s Really Costing Farmers Control of Their Money?

Richard Canfield & Jayson Lowe — Thu, 15 Jan 2026 16:09:08 +0000

Farmers don’t ask for easy. Weather. Markets. Fuel prices. Equipment failures. And decisions made far away by people who’ve never set foot on a farm. In this episode of Wealth On Main Street, Richard, Jayson, and Dan Allen sit down to talk about the one thing farmers can control, capital and why that control is becoming more important than ever. Dan isn’t just talking theory. He’s lived this life. And he’s helped more farm families than most advisors will meet in a lifetime. The Hidden Problem on Most Farms Many farm families are asset-rich and cash-poor. They may be sitting […]

303: Why Traditional Management Fails and What Actually Works

Richard Canfield & Jayson Lowe — Wed, 14 Jan 2026 16:24:34 +0000

Most leaders believe they’re accountable for results. Michael Walsh disagrees. In this episode of Wealth On Main Street, business coach and author Michael Walsh explains a radical but practical truth: That single mindset shift changes everything. After more than 30 years of coaching businesses to $10M, $50M, and beyond, Michael has seen what works—and what quietly destroys companies from the inside out. And according to him, traditional management is one of the biggest culprits. The Ceiling of Complexity: Why Growth Suddenly Feels Hard Almost every business hits invisible ceilings. At each stage, leaders feel stuck. More people. More problems. More […]

302: New Dad, New Mission - Garrett Gastil on Family Banking

Richard Canfield & Jayson Lowe — Mon, 29 Dec 2025 16:07:18 +0000

Banking Will Happen to You, or You Control It (Garrett Gastil) Most people don’t realize they’re “doing banking” every day. They call it car payments, mortgages, credit cards, and lines of credit. Here’s the truth Garrett Gastil shares in this episode: Banking will happen to you, or you’ll be in control of it. Garrett is one of Ascendant Financial’s newest teammates in the United States. He may be early in his practitioner journey, but he is not early in impact. Most importantly, he’s a husband and father who chose to stop outsourcing his financial future. What happened next surprised him. […]

301: Never Too Old for IBC: Mary Hadfield’s Story at 71

Richard Canfield & Jayson Lowe — Thu, 18 Dec 2025 16:25:50 +0000

Are You Ever Too Old to Start Infinite Banking? Most people assume financial change has an expiration date. In this episode, Richard Canfield sits down with Mary Hadfield (age 71), a mother and grandmother who proves that it’s never too late to regain control of your money. Joining the conversation is Stan Wolny, who has been guiding Mary through her Infinite Banking journey. This is a real client story, straightforward, honest, and deeply encouraging. Mary’s Starting Point: “I Was Intrigued Because It’s Not the Normal Program.” Mary didn’t discover Infinite Banking through a flashy ad or a trendy financial product. […]

300: The Powerful Trades Story That Will Motivate You

Richard Canfield & Jayson Lowe — Thu, 11 Dec 2025 17:23:43 +0000

From mowing lawns for beer money to leading a multi-million-dollar trades company, Cory Brewer reveals the real blueprint behind Beyond Landscaping’s explosive growth. In this episode, Cory joins Jayson Lowe and Richard Canfield to break down the systems, culture, and mindset shifts that helped him scale to 40+ full-time staff and finally step out of day-to-day chaos. If you're a trades or service business owner ready to grow without burning out, this conversation will change how you think about leadership, profit, and control.

299: The Hidden Threat Stealing Your Wealth

Richard Canfield & Jayson Lowe — Thu, 04 Dec 2025 16:52:52 +0000

Most people feel the pressure long before they understand where it’s coming from. The grocery bill creeps up, mortgage renewals pinch harder, and the paycheck seems to vanish faster every single month. FULL TRANSCRIPT available here → CLICK HERE! In this two-part “Triple Threat” series, Jayson Lowe, Richard Canfield, and Henry Wong sit down to unpack why everyday Canadians and Americans are feeling squeezed and, more importantly, what you can actually do about it. This episode is for the you-and-me crowd: the workers, savers, parents, and business owners trying to navigate a financial system that rarely plays fair. Instead of […]

298: Canada’s New Budget | The Hidden Debt Crisis

Richard Canfield & Jayson Lowe — Wed, 26 Nov 2025 21:47:09 +0000

When Policy Meets Reality “If you think you’re going to bring our trade with the United States down to zero, you’re dreaming.” – Kim Moody Canada’s economy is inseparable from the United States. Nearly 70 percent of our economic activity depends on that relationship. So when the federal government drops a new budget promising $60 billion in savings, public-service cuts, and “sacrifice,” the ripple effect reaches every Main Street business and household. This week on Wealth on Main Street, Richard Canfield sits down with Kim Moody, founder of Moody Private Client and one of Canada’s most outspoken tax experts. Together, […]

297: US–Canada Tariffs: The Hidden Cost to Your Wealth

Richard Canfield & Jayson Lowe — Thu, 13 Nov 2025 22:32:34 +0000

If Parliament Hill or Capitol Hill can move your wealth, you never really owned it. That single idea frames today’s conversation with Jayson Lowe, Richard Canfield, and returning guest Henry Wong. We tackle tariffs, inflation, business valuation, and why control, not prediction, is the real edge for Main Street entrepreneurs. The Short Version Why Every Tariff Headline Is Really a Valuation Headline Tariffs land in the news as political theatre. On Main Street, they land as math. What actually happens: In the episode, Henry walks through a simple illustration: a 25% tariff can trigger a drop in revenue, a deeper […]

296:The Hidden Dividend Lever That Builds Wealth

Richard Canfield & Jayson Lowe — Wed, 05 Nov 2025 22:14:57 +0000

Why we recorded this Elections show up everywhere: federal, state, provincial. However, today’s “election” is different. It’s your dividend election inside a participating whole life policy. It sounds boring. Frankly, it’s designed to be. Yet, the dividend choice you make quietly compounds for decades and affects your cash value, your death benefit, and even your taxes. In short: don’t fix what isn’t broken. Mutual companies have used this system, with smoothing and discipline, for well over a century. As a result, the line on the chart looks… uneventful. And that’s the point. First principles Think like an owner: when dividends […]

295: How to Build a Sale-Ready Brand | Neil Twa

Richard Canfield & Jayson Lowe — Thu, 30 Oct 2025 17:07:49 +0000

The System Behind Success (and Why Most Entrepreneurs Miss It) If time, money, energy, or attention is missing, you’re not building a business; you’re just surviving. That’s how Neil Twa, CEO and Co-Founder of Voltage Holdings, opened his conversation with Richard Canfield on the Wealth on Main Street podcast and right out of the gate, it’s clear this episode isn’t another surface-level business talk. It’s a deep dive into how to build something that runs without you, sells for millions, and still lets you sleep at night. Neil’s journey started long before AI became the buzzword of every boardroom. After […]

294: Faith, Freedom & Fearless Wealth | The Texas Boys’ Story

Richard Canfield & Jayson Lowe — Thu, 23 Oct 2025 15:06:50 +0000

What would make someone leave an 11-year career as a financial planner, walk away from spreadsheets and suits, and trade it all for a pair of work boots? That’s exactly what our guest, T.D. Ford from The Texas Boys did. In this conversation, he proves that stepping out on faith can lead to more abundance, peace, and purpose than most people ever find chasing money. We discovered today’s guest, T.D. from The Texas Boys, through our YouTube community (Real Talk Fridays Series). One thoughtful comment led to a conversation, then to a collaboration. Check out their channel and The Fearless […]

293: Infinite Banking Made Simple for Business Owners

Richard Canfield & Jayson Lowe — Thu, 16 Oct 2025 15:26:57 +0000

How Infinite Banking Creates Financial Peace for Business Owners What if your company could run on peace of mind instead of pressure from the banks? In this episode of Wealth on Main Street, Jayson Lowe and Richard Canfield sit down with Troy Treleaven, a corporate trainer with decades of experience at the Dale Carnegie Organization. Troy shares his inspiring journey from corporate leadership coaching to discovering Nelson Nash’s Infinite Banking Concept (IBC) and how it completely transformed his perspective on money, legacy, and freedom. From Dale Carnegie to Nelson Nash: A Surprising Connection Troy’s background in leadership and mindset training […]

292: How to Secure Your Crypto Wealth with Infinite Banking

Richard Canfield & Jayson Lowe — Thu, 09 Oct 2025 15:00:18 +0000

Success or regret often comes down to one thing: guidance. In this episode, Richard Canfield and Jayson Lowe reveal how to combine crypto and the Infinite Banking Concept (IBC) to keep control, minimize risk, and protect your wealth through every market swing. Learn the basics of Infinite Banking The Big Mistake Most Crypto Investors Make Everywhere you look, it’s “buy XRP,” “stake this,” “ride the bull run.” Yes, gains can be huge. However, without a plan to control the flow of money, you’re still at the mercy of banks, taxes, and volatility. Most people are told to buy, hold, and […]

291: Silver, CBDCs & Infinite Banking: Secure Lasting Wealth

Richard Canfield & Jayson Lowe — Thu, 02 Oct 2025 16:12:00 +0000

Money touches every part of our lives, but what if the very system behind it is designed for control, not freedom? In this episode, Richard Canfield and Jayson Lowe sit down with David Morgan, known as the Silver Guru, to expose the storm building beneath our financial system. From the rise of central bank digital currencies (CBDCs) to the role of silver and Infinite Banking in protecting families, this conversation reveals practical steps to reclaim control before the next shock hits. Who is David Morgan? David is widely known as the “Silver Guru.” He’s the author of The Silver Manifesto, the voice […]

290: Infinite Banking Risks & How to Avoid Them

Richard Canfield & Jayson Lowe — Thu, 25 Sep 2025 14:57:07 +0000

When people hear “Infinite Banking,” they’re told it’s either a magic bullet or a massive risk. The truth lives in between. This post strips away hype and reveals the real risks, most of which stem from behaviour, not the product, and how to mitigate them. If you want long-term control over how you finance life, start here and turn IBC into a durable advantage, not a headache. Let’s Be Real You’ve probably seen both extremes online. Some people refer to Infinite Banking as the “magic bullet.” Others say it’s too risky. However, the truth lies in between. There are no disadvantages to […]

289: Infinite Banking FAQs | Chey & Garrett, US Advisor

Richard Canfield & Jayson Lowe — Thu, 18 Sep 2025 18:29:29 +0000

When families first discover the Infinite Banking Concept (IBC), they often ask the same essential questions. What’s the real benefit of policy loans? Do loan repayments grow the policy? Should every dollar flow through the system? In this episode of Wealth On Main Street, Richard Canfield is joined by US Agents Chey O’Brien and Garrett Gastil to break down some of the most common Infinite Banking FAQs. Together, they explore Nelson Nash’s “Becoming Your Own Banker“ and share how to apply its lessons in everyday life. Premiums vs. Loan Repayments: What’s the Difference? One of the biggest questions clients ask: “What’s […]

288: IBC Legacy: Living Wealth Joins Ascendant Financial

Richard Canfield & Jayson Lowe — Thu, 11 Sep 2025 22:03:42 +0000

In this episode, Nate and Holly Poteet share the story of Living Wealth, their father Ray’s mission, and how Infinite Banking changes families for generations. With Ascendant Financial carrying the torch, the legacy of faith, family, and financial freedom continues. Discover how the Infinite Banking Concept helps keep wealth where it belongs, in the family.

287: Five Years Practicing Infinite Banking with Gastil Brothers

Richard Canfield & Jayson Lowe — Wed, 10 Sep 2025 18:11:24 +0000

Brothers Garrett and Miles Gastil share their five-year journey practicing the Infinite Banking Concept. From using policies to grow a contracting business to securing family wealth, they reveal lessons on capitalization, control, and building equity. Discover why Infinite Banking is more than numbers, it’s about discipline, freedom, and creating a legacy.

286: Building Generational Wealth & Legacy Through Infinite Banking with Thomas O’Connell

Richard Canfield & Jayson Lowe — Fri, 29 Aug 2025 19:15:34 +0000

What does it mean to retire on your own terms and create a ripple effect of wealth that lasts for generations? What does it mean to retire on your own terms and create generational wealth that lasts? In this episode of Wealth On Main Street, Richard Canfield and Thomas O’Connell explore the Infinite Banking Concept and how it empowers families to build freedom and legacy. A Career Rooted in Service and Discovery Thomas didn’t start his career planning to be a financial professional. With a degree in criminal justice and political science, he found himself unexpectedly drawn into the world […]

285: Breaking Free Financially Through Infinite Banking with Riccardo Manazza

Richard Canfield & Jayson Lowe — Wed, 20 Aug 2025 22:00:00 +0000

Wealth On Main Street 285: Breaking Free Financially Through Infinite Banking with Riccardo Manazza Picture having complete control over your money and the freedom to decide exactly how it works for you. In a recent episode of Wealth On Main Street, Richard Canfield welcomed Riccardo Manazza to share an uplifting and empowering story of how the Infinite Banking Concept (IBC) can change the way you live and think about money. Riccardo’s path is a testament to possibility and resilience. Beginning as a mechanical engineer in a tough job market, he pivoted into contracting, cultivating a thriving farming operation, and eventually […]

284: Taking Financial Control: Being the Pilot of Your Finances with John T. Urbik IBCP

Richard Canfield & Jayson Lowe — Wed, 13 Aug 2025 22:00:15 +0000

Wealth On Main Street 284: Taking Control: Being the Pilot of Your Finances with John T. Urbik IBCP You are the pilot of your own financial aircraft. If you don’t take the controls, someone else will, often without your best interests in mind. Thousands of hours logged in the cockpit. Countless missions flying B-52 bombers through war zones. In this episode of the Wealth On Main Street podcast, Richard Canfield and Jayson Lowe sit down with John T. Urbik, IBCP, to explore how lessons from aviation translate to better financial decision-making. The insights from this episode show you how to […]

283: Double Your Financial Freedom: Bitcoin and Infinite Banking Together with Shaun Somers

Richard Canfield & Jayson Lowe — Wed, 06 Aug 2025 22:00:59 +0000

Wealth On Main Street 283: Double Your Financial Freedom: Bitcoin and Infinite Banking Together with Shaun Somers Imagine having a financial system where your savings are safe from government overreach and bank restrictions, while your child’s first major purchase is financed through your family’s own private banking system. In a recent episode of the Wealth On Main Street podcast, Richard Canfield sits down with Shaun Somers to explore how Infinite Banking and Bitcoin—when used together—can revolutionize the way you grow and protect your wealth. Shaun shares personal stories, real-world applications, and mindset strategies that show how everyday families can build […]

282: How Millennials Are Rewriting the Money Rules with Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 30 Jul 2025 22:00:58 +0000

Wealth On Main Street 282: How Millennials Are Rewriting the Money Rules with Infinite Banking If you’ve ever wondered why the old money advice doesn’t quite sit right with you, you’re not alone. Millennials have lived through economic upheaval, student debt crises, housing bubbles, and a digital revolution. In this episode of the Wealth On Main Street podcast, three millennial advisors—Taran Sousa, Quan Pham, and Paul Eikeland—joined Richard Canfield to unpack why their generation is abandoning outdated financial advice and embracing the Infinite Banking Concept (IBC). These aren’t your average financial gurus. They’ve lived through recessions, bad real estate deals, […]

281: Taking Charge of Your Wealth That Lasts Generations with Justin Maxwell

Richard Canfield & Jayson Lowe — Wed, 23 Jul 2025 22:00:38 +0000

Wealth On Main Street 281: Taking Charge of Your Wealth That Lasts Generations with Justin Maxwell You’ve worked tirelessly to build a thriving business, but there’s a quiet question you carry: Am I just earning a high income, or am I truly building wealth that will last beyond me? It’s a question that goes beyond bank accounts or investment portfolios. It’s about purpose, legacy, and how you shape the future for your family and the generations that come after you. In this episode of the Wealth On Main Street podcast, Jayson Lowe and Richard Canfield sat down with Justin Maxwell, […]

280: How Legacy Planning Protects Your Family’s Generational Wealth with Shane Stirling

Richard Canfield & Jayson Lowe — Wed, 16 Jul 2025 22:00:02 +0000

Wealth On Main Street 280: How Legacy Planning Protects Your Family’s Generational Wealth with Shane Stirling If you're building something meaningful, a business, a legacy, a future for your kids, then you've likely asked yourself: How do I ensure this wealth doesn't vanish in a generation or two? Honestly, it’s a question more families should be asking. On a recent episode of the Wealth On Main Street, entrepreneur Shane Stirling joined Jayson Lowe and Richard Canfield to share his deeply personal and inspiring journey through estate planning, wealth preservation, and legacy building. What makes Shane's story different is that he […]

279: Break the Cycle: Build Wealth on Your Own Terms with Joseph Romualdi

Richard Canfield & Jayson Lowe — Wed, 09 Jul 2025 22:00:21 +0000

Wealth On Main Street 279: Break the Cycle: Build Wealth on Your Own Terms with Joseph Romualdi What happens when your lifelong career ends, but your desire to grow doesn’t? That’s the story of Joseph Romualdi, CEO of Casa Pulita Corp and a former police officer who served for 35 years. On a recent episode of Wealth On Main Street, hosted by Jayson Lowe and Richard Canfield, Joseph shared how he transitioned from law enforcement to entrepreneurship and the powerful mindset shift that made it possible. Joseph Romualdi didn’t know anything about cleaning when he started his business. After retiring, […]

278: Attracting Clients by Owning Your True Value with Derrick Kinney

Richard Canfield & Jayson Lowe — Wed, 02 Jul 2025 22:00:08 +0000

Wealth On Main Street 278: Attracting Clients by Owning Your True Value with Derrick Kinney You don’t need to shout to be seen. The most successful advisors aren’t chasing clients or begging for attention. Instead, they’re drawing people in naturally—with confidence, clarity, and a deep conviction that their work creates real impact. When your message is meaningful and authentic, clients notice. And more importantly, they respond. In a recent episode of Wealth On Main Street, Richard Canfield and Jayson Lowe welcomed Derrick Kinney, Wall Street Journal and USA Today best-selling author of Good Money Revolution. Derrick is someone who cracked […]

277: Why It’s Never Too Late To Start Infinite Banking with 82-Year-Old John Zytveld

Richard Canfield & Jayson Lowe — Thu, 26 Jun 2025 22:00:50 +0000

Wealth On Main Street 277: Why It’s Never Too Late To Start Infinite Banking with 82-Year-Old John Zytveld Imagine reaching the age of 82 and finally discovering a way to take true control of your finances. That’s exactly what happened to John Zytveld, a guest on a recent episode of Wealth On Main Street, hosted by Richard Canfield and Jayson Lowe. For most of his life, John believed that life insurance was a SCAM—a relic of old financial thinking. Years of working paycheck to paycheck and watching his savings disappear only reinforced that belief. But everything changed when he was […]

276: Breaking the Cycle with Infinite Banking to Build Wealth Differently with Ashley Doyle

Richard Canfield & Jayson Lowe — Wed, 18 Jun 2025 22:00:45 +0000

Wealth On Main Street 276: Breaking the Cycle with Infinite Banking to Build Wealth Differently with Ashley Doyle Breaking the paycheck-to-paycheck cycle didn’t require more hustle, but a better strategy! On an episode of Wealth On Main Street, Jayson Lowe and Richard Canfield sat down with Ashley Doyle, a financial advisor with Ascendant Financial Inc., who transformed his financial life through the Infinite Banking Concept. Ashley didn’t come from a financial background. Raised in Toronto by a single mother on social assistance, he had to navigate life with very little financial guidance. But his hunger to break the cycle led […]

275: Canada’s $486B Spending Plan Proves You Need the Infinite Banking Concept NOW

Richard Canfield & Jayson Lowe — Wed, 11 Jun 2025 22:00:49 +0000

Wealth On Main Street 275: Canada’s $486B Spending Plan Proves You Need the Infinite Banking Concept NOW You probably read the headline—Canada’s new $486 billion spending plan dropped without a budget, roadmap, or a shred of accountability. That gut feeling you had when you saw it? You’re not alone. In a recent Wealth On Main Street podcast episode, Richard Canfield and Jayson Lowe didn’t hold back. They connected the dots between government recklessness and why you need the Infinite Banking Concept (IBC) now more than ever. “The government demands that we pay taxes on time down to the penny, but […]

274: How The Profit First Policy Method Changed Brandon Neely’s Life

Richard Canfield & Jayson Lowe — Wed, 04 Jun 2025 22:00:57 +0000

Wealth On Main Street 274: How The Profit First Policy Method Changed Brandon Neely’s Life What if your biggest financial breakthrough didn’t come from Wall Street, but from a coffee shop flood? In a recent episode of Wealth On Main Street, Richard Canfield and Jayson Lowe sat down with Brandon Neely, an entrepreneur, Profit First Professional, and the co-host of Wealth Wisdom Financial Podcast with his wife Amanda Neely, to talk about the moment his world flipped and how it pushed him to redefine wealth, purpose, and legacy. Brandon’s journey from slinging coffee at Overflow Coffee Bar in Chicago […]

273: Real-Life Application of Infinite Banking to Regain Financial Control with Dr. Richard Vuksinic

Richard Canfield & Jayson Lowe — Wed, 28 May 2025 22:00:15 +0000

Wealth On Main Street 273: Real-Life Application of Infinite Banking to Regain Financial Control with Dr. Richard Vuksinic Financial independence isn’t just about having more money—it’s about gaining more control. That’s the powerful message behind this episode of Wealth On Main Street, where Richard Canfield speaks with Dr. Richard Vuksinic, a naturopathic doctor, father, homesteader, and entrepreneur. His story offers a practical, inspiring look at how the Infinite Banking Concept (IBC) helped him take charge of his finances and redesign his life with purpose. What started as a curiosity eventually became a living, breathing financial system that now supports Dr. […]

272: How the Infinite Banking Concept Changed Elizabeth Wall's Life

Richard Canfield & Jayson Lowe — Wed, 21 May 2025 22:00:50 +0000

Wealth On Main Street 272: How the Infinite Banking Concept Changed Elizabeth Wall's Life One decision could change the entire course of your financial life. In a recent episode of Wealth On Main Street, Jayson Lowe and Richard Canfield sat down with Elizabeth Wall to explore how one ordinary day launched an extraordinary transformation. From a one-day temp job with no finance background to becoming a trusted Infinite Banking Concept (IBC) coach, her journey is living proof that it’s never too late to take control of your financial destiny. Elizabeth didn’t come from a financial background. In 2013, she took […]

271: How Does Infinite Banking Concept Enable Financial Freedom?

Richard Canfield & Jayson Lowe — Wed, 14 May 2025 22:00:42 +0000

Wealth On Main Street 271: How Does Infinite Banking Concept Enable Financial Freedom? In a world where financial control often feels out of reach, the Infinite Banking Concept (IBC) stands as a game-changing alternative. Featured in a recent episode of Wealth On Main Street, the story of Quan Pham—a rising Infinite Banking practitioner—reveals how ordinary Canadians are using this strategy to gain extraordinary financial independence. This isn’t about stock picks or the next crypto trend. This is about taking back control of your money, your future, and your family’s legacy. If you've ever felt stuck in a cycle of debt, […]

270: U.S. Immigration Myth: It Isn’t as Hard as You Think

Richard Canfield & Jayson Lowe — Wed, 07 May 2025 22:00:45 +0000

Wealth On Main Street 270: U.S. Immigration Myth: It Isn’t as Hard as You Think Relocating to the United States might seem like a dream buried under piles of paperwork, red tape, and uncertainty—but the reality might surprise you. In a recent episode of the Wealth On Main Street podcast, hosts Jayson Lowe and Richard Canfield spoke with Rocki Maimone and Filomena L. Maimone, a powerhouse mother-daughter team guiding Canadians through U.S. immigration with clarity and care. This conversation tackles one of the most common beliefs that holds people back: that U.S. Immigration is nearly impossible. In truth, with the […]

269: Changing Lives For The Better Through Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 30 Apr 2025 22:00:40 +0000

Wealth On Main Street 268: How Infinite Banking Solves Business Cash Flow Stress Do you ever feel like no matter how smart or hardworking you are, your money still controls you? You save diligently. You invest cautiously. You budget wisely. And yet, you still feel stuck—like something is missing. That’s because for most people, the traditional financial system wasn’t designed to empower them. It was designed to profit off them. That’s where the Infinite Banking Concept comes into play. In a recent episode of Wealth On Main Street, hosts Jayson Lowe and Richard Canfield spoke with Taran Sousa, an advisor […]

268: How Infinite Banking Solves Business Cash Flow Stress

Richard Canfield & Jayson Lowe — Wed, 23 Apr 2025 22:00:54 +0000

Wealth On Main Street 268: How Infinite Banking Solves Business Cash Flow Stress A business owner already knows that cash flow is the lifeblood of the operation. It doesn’t matter how profitable you are on paper—if your cash is tied up, delayed, or inconsistent, your business feels it. Whether you're trying to make payroll, invest in growth, or simply keep the lights on during a slow season, access to capital makes all the difference. But what if there were a better way to manage those ups and downs? What if you didn’t have to rely on the bank’s approval, jump […]

267: Why Infinite Banking Means True Financial Freedom with Kurt Berry

Richard Canfield & Jayson Lowe — Wed, 16 Apr 2025 22:00:21 +0000

Wealth On Main Street 267: Why Infinite Banking Means True Financial Freedom with Kurt Berry Your path to financial independence does not require chasing stock market gains, relying on traditional banks, or falling for the latest get-rich-quick trend. In this episode of Wealth On Main Street, host Richard Canfield welcomed Kurt Berry to discuss why infinite banking is the means to true financial freedom. Their conversation was eye-opening and deeply personal, exploring how rethinking money can lead to real, lasting change. Kurt’s journey mirrors the frustration many feel: working hard, doing all the “RIGHT” things, and still falling short of […]

266: Farmer Uses Infinite Banking to Control The Farm Operation

Richard Canfield & Jayson Lowe — Wed, 16 Apr 2025 22:00:11 +0000

Wealth On Main Street 266: Farmer Uses Infinite Banking to Control The Farm Operation What if you could turn your farm, your business, or even your household into its own private bank—one that puts you in control of your money instead of relying on banks, loans, and lenders? Sounds ideal, right? But for many people, especially those used to navigating traditional finance, it also sounds too good to be true. Now this isn't just a theory—it’s something being done successfully every single day. In a recent episode of Wealth On Main Street, Richard Canfield and Roman Pushkar sat down with […]

265: The Nelson Nash Institute IBC Practitioner Council & Coaching

Richard Canfield & Jayson Lowe — Wed, 02 Apr 2025 22:00:09 +0000

Wealth On Main Street 265: The Nelson Nash Institute IBC Practitioner Council & Coaching Infinite Banking isn’t just a financial strategy—it’s a movement. One that continues to grow, evolve, and touch lives across generations, and the one leading that is the Nelson Nash Institute. In a recent episode of Wealth On Main Street, Richard Canfield sat down with bestselling author and Infinite Banking Concept (IBC) expert Mary Jo Irmen to unpack the most current developments at the Nelson Nash Institute. Their discussion covered a range of powerful updates, including the renowned Think Tank event, the influential Practitioner Council, and the […]

264: Buy Term and Invest the Difference of IBC

Richard Canfield & Jayson Lowe — Wed, 26 Mar 2025 22:00:00 +0000

Wealth On Main Street 264: Buy Term and Invest the Difference of IBC The debate between “Buy Term and Invest the Difference” and the IBC (Infinite Banking Concept) is one that financial experts and advisors have been discussing for years. In a recent episode of Wealth On Main Street, Jayson Lowe, and Richard Canfield tackle this subject head-on, breaking down the misconceptions surrounding traditional financial advice and highlighting why controlling your own banking function can change your financial future. If you've ever been told that term life insurance combined with investing in the stock market is the best approach, this […]

263: Family Banking: Keeping Your Wealth Where It Belongs

Richard Canfield & Jayson Lowe — Wed, 19 Mar 2025 22:00:58 +0000

Wealth On Main Street 263: Family Banking: Keeping Your Wealth Where It Belongs The reality is that most people are unknowingly transferring their wealth to banks, lenders, and financial institutions without truly benefiting from it. The banking system is designed to profit off your hard-earned money, leaving you with little in return. But what if you could create a system where your family benefits instead of the bank? You can do that with FAMILY BANKING. The latest episode of Wealth On Main Street explores a powerful alternative: the family banking system. By changing how you manage your finances, you can […]

262: Secure Cash Flow Like the Ultra-Wealthy Do

Richard Canfield & Jayson Lowe — Wed, 12 Mar 2025 22:00:50 +0000

Wealth On Main Street 262: Secure Cash Flow Like the Ultra-Wealthy Do If you’re a business owner or real estate investor, you likely spend a lot of time thinking about cash flow, scaling, and planning for the future. But what if there was a way to optimize your financial strategy while securing long-term wealth? On a recent episode of the Wealth On Main Street podcast, Jayson Lowe, Richard Canfield, and guest Jason Weiss break down how whole life insurance can be a game-changer for financial planning, using what Jason calls the “barbell analogy.” Whole life insurance isn’t just about a […]

261: Business Owners Need To Understand Financial Statements!

Richard Canfield & Jayson Lowe — Wed, 05 Mar 2025 22:00:08 +0000

Wealth On Main Street 261: Business Owners Need To Understand Financial Statements! Understanding your financial statements isn't just about crunching numbers, it's about making smarter business decisions that help you grow, scale, and protect your wealth. This is something that came up in a recent episode of Wealth On Main Street, where Richard Canfield and Henry Wong broke down the critical gaps in financial advice business owners receive today. Many entrepreneurs assume that because they have an accountant, they are getting all the financial guidance they need. But as Henry pointed out, there’s a massive difference between simply preparing taxes […]

260: The Secret Strategy Real Estate Investors Overlook

Richard Canfield & Jayson Lowe — Wed, 26 Feb 2025 22:00:52 +0000

Wealth On Main Street 260: The Secret Strategy Real Estate Investors Overlook Real estate investing isn’t just about buying properties and hoping for appreciation. In this episode, Rick Goldring, a financial planner specializing in Wealth and Estate Planning, joins the conversation to discuss the overlooked strategy that smart real estate investors are using to safeguard their wealth. He breaks down how real estate investors can minimize risk and create liquidity without relying on traditional banking. He also shares his journey into the Infinite Banking Concept. By leveraging the Infinite Banking Concept, real estate investors can take control of their finances […]

259: RRSP Meltdown Creates Real Estate Opportunity with Stan Wolny

Richard Canfield & Jayson Lowe — Wed, 19 Feb 2025 22:00:28 +0000

Wealth On Main Street 259: RRSP Meltdown Creates Real Estate Opportunity with Stan Wolny Taking control of your financial future means making strategic moves that align with your long-term goals. In this episode, Stan Wolny joins the conversation to break down the mechanics of strategically melting RRSPs to take charge of your financial future. He shares his transition from raising $100 million in private equity in the oil and gas sector to embracing the Infinite Banking Concept and using it to create financial independence. His story highlights how the Infinite Banking Concept offers an alternative path for business owners, families, and […]

258: Death Planning: Strategic Planning for Life’s Inevitable Moment

Richard Canfield & Jayson Lowe — Wed, 12 Feb 2025 22:00:32 +0000

Wealth On Main Street 258: Death Planning: Strategic Planning for Life’s Inevitable Moment ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ We all know that life’s only guarantees are death and taxes, but have you truly planned for the former? Pre-planning for death is more than just practical. In this episode, we welcome Michael Ball, a 13-year veteran in the Bereavement Sector, to discuss everything from pre-need arrangements to navigating the unexpected chaos that follows […]

257: The Best Whole Life Insurance Policy Design Discussion

Richard Canfield & Jayson Lowe — Wed, 05 Feb 2025 10:00:00 +0000

Wealth On Main Street 257: The Best Whole Life Insurance Policy Design Discussion ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Curious how to craft a whole life insurance policy that truly works for you? Let’s simplify the process and explore practical strategies you can apply now. In this episode, we tackle the nuances of creating a whole life insurance policy that aligns with your financial goals. They address common misconceptions about the Infinite Banking […]

256: Taxes in 2025 and Beyond with Kim Moody

Richard Canfield & Jayson Lowe — Wed, 29 Jan 2025 22:00:24 +0000

Wealth On Main Street 256: Taxes in 2025 and Beyond with Kim Moody ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ As the financial landscape continues to evolve, taxes remain a hot-button topic for entrepreneurs, families, and business owners seeking stability and growth. In this episode, Kim Moody, founder of Moodys Private Client and Moodys Tax, breaks down Canada’s tax changes and what they mean for you. He explains personal tax rate cuts, corporate tax […]

255: Trump Inauguration 2025 and Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 22 Jan 2025 22:00:51 +0000

Wealth On Main Street 255: Trump Inauguration 2025 and Infinite Banking ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Big changes are here! Amidst the shifting political scene, are you prepared to seize control of your financial destiny and create lasting stability? […]

254: Indexed Universal Life Lawsuits, Why IUL Sucks with Robert Rikard

Richard Canfield & Jayson Lowe — Wed, 15 Jan 2025 22:00:28 +0000

Wealth On Main Street 254: Indexed Universal Life Lawsuits, Why IUL Sucks with Robert Rikard ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Are you aware of the ticking time bomb in the financial world? Indexed Universal Life (IUL) policies, marketed as […]

253: Lasting Peace of Mind Through Infinite Banking with Nate Dean

Richard Canfield & Jayson Lowe — Wed, 08 Jan 2025 22:00:00 +0000

Wealth On Main Street 253: Lasting Peace of Mind Through Infinite Banking with Nate Dean ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ What if true financial freedom was less about investing in risky ventures and more about controlling the way you finance your life? In this episode, Nate Dean, co-founder of Unlimited Life Concepts, walks us through the Infinite Banking Concept and why it's crucial for achieving financial independence. He explains how building cash value […]

252: Using the Wise Money Method with Krisstina Wise

Richard Canfield & Jayson Lowe — Wed, 01 Jan 2025 22:00:19 +0000

Wealth On Main Street 252: Using the Wise Money Method with Krisstina Wise ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ The entrepreneurial journey can often feel like a relentless race, with the finish line always moving further away. In this episode, Krisstina Wise talks about her transformative experience with the Wise Money Method, emphasizing financial independence through a non-traditional lens. She opens up about the importance of building not just a business, but a […]

251: Balancing Business and Family with REBL Dad Derek Notman

Richard Canfield & Jayson Lowe — Wed, 25 Dec 2024 22:00:55 +0000

Wealth On Main Street 251: Balancing Business and Family with REBL Dad Derek Notman ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Balancing a thriving business while being a present, engaged dad isn't easy. In this episode, Derek Notman, Founder & CEO of Couplr AI, talks about what inspired him to launch the REBL Dad Mastermind, an exclusive group that supports entrepreneurial dads in finding a balance between their business and family life. He opens up […]

250: "Is Infinite Banking Too Good to be True??"

Richard Canfield & Jayson Lowe — Wed, 18 Dec 2024 22:00:13 +0000

Wealth On Main Street 250: “Is Infinite Banking Too Good to be True??” Is Infinite Banking too good to be true, or are people just not aware of how powerful it can be? In this episode, Jayson Lowe and Richard Canfield pull back the curtain on the Infinite Banking Concept, addressing the skepticism surrounding it. They reveal why whole life insurance policies are often seen as the ‘Fort Knox of finance' and how these strategies can give you more control over your money. Life insurance companies remain some of the most financially solvent institutions on the planet. The stability of […]

249: Regaining Financial Freedom in a Rigged Financial System with John McGuire

Richard Canfield & Jayson Lowe — Wed, 11 Dec 2024 22:00:57 +0000

Wealth On Main Street 249: Regaining Financial Freedom in a Rigged Financial System ORDER A COPY OF JOHN McGUIRE'S NEW BOOK! Wealth Without Wall Street: Taking back control of your money in a rigged financial system: Following traditional financial advice often ends up padding the pockets of big banks while leaving everyone else behind. Financial independence shouldn’t mean gambling your future in the stock market or being tied to rising debt. In this episode, John McGuire, founder of Signature Wealth Advisory, joins us to lay out real-world tactics for taking charge of your finances. With over 25 years of industry […]

248: Why Saving For Retirement Feels Impossible with Barry James Dyke

Richard Canfield & Jayson Lowe — Wed, 04 Dec 2024 22:00:33 +0000

Wealth On Main Street 248: Why Saving For Retirement Feels Impossible ORDER A COPY OF BARRY JAMES DYKE’S NEW BOOK! The Retirement Ruse: Understand how Stock Buybacks, Cryptocurrencies, Unicorns and SPACs Helped Destroy America's Savings and Retirement Plans. https://www.barryjamesdyke.com/the-retirement-ruse Retirement savings today feels like trying to hit a moving target, which makes it seem like the odds are stacked against us. In this episode, Barry James Dyke, president of Castle Asset Management LLC. and renowned author of The Pirates of Manhattan, joins us to talk about why saving for retirement feels next to impossible in today’s economic landscape. We cover […]

247: Commissions and Fees - "Whole Life Fees are too high!"

Richard Canfield & Jayson Lowe — Wed, 27 Nov 2024 22:00:00 +0000

Wealth Without Bay Street 247: Commissions and Fees – “Whole Life Fees are too high!” ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Ever feel like the fees on whole life insurance are just too much? You’re not alone. Social media is filled with claims about how agents promoting whole life insurance are only in it for commissions.In this episode, we tackle the controversial topic of whole life insurance fees and agent commissions. This episode […]

246: Escape Debt’s Grip with Infinite Banking Power

Richard Canfield & Jayson Lowe — Wed, 20 Nov 2024 22:00:30 +0000

Wealth Without Bay Street 246: Escape Debt’s Grip with Infinite Banking Power ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Ever wondered if there’s a way to handle your finances that’s actually tailored to your life’s unique challenges? In this episode, We sit down with Lou Cardoso, a 61-year-old grandfather and truck driver from Ontario, who transformed his financial situation using the Infinite Banking Concept (IBC). We dive into how he escaped debt's grip by […]

245: Arrival Syndrome: "I know all about Infinite Banking"

Richard Canfield & Jayson Lowe — Wed, 13 Nov 2024 22:00:00 +0000

Wealth Without Bay Street 245: “I know all about Infinite Banking” The Arrival Syndrome ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Think you know everything there is to know about Infinite Banking? That’s what we call the “Arrival Syndrome,” and it might just be the barrier holding you back from true financial independence. In this episode, we break down the concept of “Arrival Syndrome” and how it can prevent you from fully grasping the […]

244: Creating Wealth with Proven Business Strategies

Richard Canfield & Jayson Lowe — Wed, 06 Nov 2024 21:00:03 +0000

Wealth Without Bay Street 244: Creating Wealth with Proven Business Strategies ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Are you tired of the traditional business grind and seeking fresh ways to achieve financial success? Get ready to rethink the norms of the business world and explore techniques that truly work. In this episode, we welcome Athin Cassiotis, a business growth expert, investor, and international speaker. He shares his unique journey from dropping out of […]

243: Tax Implications of Leaving Canada

Richard Canfield & Jayson Lowe — Wed, 30 Oct 2024 21:00:00 +0000

Wealth Without Bay Street 243: Tax Implications of Leaving Canada ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Ready to leave Canada behind and chase sunnier shores? Or maybe you’ve had enough of the tax burden and want to cut ties for good? Before you take the leap, there's a lot you need to know about what happens to your money, assets, and tax obligations when you become a non-resident. In this episode, Richard Canfield […]

242: YOUR MONEY Problems Finally Solved!!

Richard Canfield & Jayson Lowe — Wed, 23 Oct 2024 21:00:08 +0000

Wealth Without Bay Street 242: YOUR MONEY Problems Finally Solved!! ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Is your money working for you, or is it slipping through your fingers and into someone else’s pockets? In this episode, we dive deep into the Infinite Banking Concept, revealing how you can break free from the chains of traditional banking and take control of your financial destiny. Our hosts, Jayson Lowe, and Richard Canfield, recorded this […]

241: Transforming Real Estate Deals through ezREIclosings with David Olds

Richard Canfield & Jayson Lowe — Wed, 16 Oct 2024 21:00:25 +0000

Wealth Without Bay Street 241: Transforming Real Estate Deals through ezREIclosings with David Olds ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Ready to revolutionize your real estate game? In this episode, we introduce David Olds, the mastermind behind ezREIclosings, who has transformed the way real estate deals are closed, making it easier and more profitable for investors like you. He discusses how he identified a critical gap in the market—the challenges investors face in […]

240: I Wish I Started Infinite Banking Sooner

Richard Canfield & Jayson Lowe — Wed, 09 Oct 2024 21:00:00 +0000

Wealth Without Bay Street 240: I Wish I Started Infinite Banking Sooner ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ What if you could take control of your financial destiny and make your money work as hard as you do? In this episode, Art Dadson reveals his journey from being a saturation diver who blew every dollar he earned to becoming his own banker, emphasizing the importance of building a financial fortress through the Infinite […]

239: The Infinite Banking Concept Coaching Academy Review

Richard Canfield & Jayson Lowe — Wed, 02 Oct 2024 21:00:32 +0000

Wealth Without Bay Street 239: The Infinite Banking Concept Coaching Academy Review ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ The Infinite Banking Concept (IBC) Coaching Academy is here to guide you through the journey, equipping you with the tools and strategies you need to master this revolutionary approach. In this episode, we dive deep into a review of the Infinite Banking Concept Coaching Academy, highlighting how it serves as a comprehensive guide for both […]

238: How Infinite Banking Can Revolutionize the $112M Game Plan of Leon Draisaitl

Richard Canfield & Jayson Lowe — Wed, 25 Sep 2024 21:00:00 +0000

Wealth Without Bay Street 238: How Infinite Banking Can Revolutionize the $112M Game Plan of Leon Draisaitl BUY A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ What if you could take control of your finances the same way Leon Draisaitl controls the ice? In this episode, we dive into the concept of Infinite Banking, a method designed for those seeking to maximize wealth while minimizing financial dependency on external institutions. You'll learn how this innovative approach […]

237: Hidden Ways to Funding Higher Education and Avoiding RESP Limitations!

Richard Canfield & Jayson Lowe — Wed, 18 Sep 2024 21:00:50 +0000

Wealth Without Bay Street 237: Hidden Ways to Funding Higher Education and Avoiding RESP Limitations! BUY A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Higher education is more expensive than ever, but there are creative ways to fund your child's future without relying solely on traditional savings plans. In this episode, we tackle the financial challenges of funding post-secondary education and explore alternative methods to cover these costs. Richard Canfield and Henry Wong sit down with […]

236: Don’t Spread The Wealth Day! BOOK LAUNCH EPISODE!

Richard Canfield & Jayson Lowe — Thu, 12 Sep 2024 21:00:05 +0000

Wealth Without Bay Street 236: Don’t Spread The Wealth Day! BOOK LAUNCH EPISODE! BUY A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Are you tired of traditional banking systems draining your wealth? There’s a financial strategy that allows you to keep your money within the family while building generational riches. In this episode, Richard Canfield and Jayson Lowe dive deep into the powerful Infinite Banking Concept and the launch of their book, Don't Spread the Wealth. […]

235: Escaping Financial Ruin with Proven Infinite Banking Tactics with Andrew Murdoch

Richard Canfield & Jayson Lowe — Wed, 04 Sep 2024 21:00:31 +0000

Wealth Without Bay Street 235: Escaping Financial Ruin with Proven Infinite Banking Tactics with Andrew Murdoch PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Do you feel trapped in an endless cycle of debt, battling the daunting dragons of financial ruin? In this episode, we explore how the Infinite Banking Concept can transform your financial strategy. We sit down with Andrew Murdoch, a seasoned practitioner of IBC, who shares his personal journey from financial turmoil […]

HUGE UPDATE: Welcome to Wealth on Main Street!

Richard Canfield & Jayson Lowe — Mon, 02 Sep 2024 21:00:00 +0000

Wealth On Main Street Extra EP: HUGE UPDATE: Welcome to Wealth on Main Street! PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Get ready for a transformation! Welcome to “Wealth on Main Street,” where financial success is redefined with practical strategies and fresh insights. In this episode, we discuss the exciting transition from “Wealth Without Bay Street” to “Wealth on Main Street.” Discover why this change is more than just a new name—it's about connecting […]

234. Investment Banker Becomes Infinite Banker

Richard Canfield & Jayson Lowe — Wed, 28 Aug 2024 21:00:00 +0000

Wealth Without Bay Street 234: Investment Banker Becomes Infinite Banker PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ What happens when a seasoned investment banker discovers the Infinite Banking Concept? In this episode, we talk with Satish Mehra, a former investment banker who transitioned into the world of Infinite Banking. Satish shares his experiences, insights, and the transformative impact of Infinite Banking on his life and career. Infinite Banking offers unparalleled control and flexibility over […]

233. How to Build Mental Toughness and Achieve Optimal Health with Robb Evans

Richard Canfield & Jayson Lowe — Wed, 21 Aug 2024 21:00:00 +0000

Wealth Without Bay Street 233: How to Build Mental Toughness and Achieve Optimal Health with Robb Evans PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Living your best life requires more than just financial success, it demands mental toughness and optimal health. In this episode, we are joined by Robb Evans, a fitness and nutrition expert with over 36 years of experience. Robb shares his insights on mental toughness, the importance of daily habits, and […]

232. How Infinite Banking Can Transform Your Financial Future

Richard Canfield & Jayson Lowe — Tue, 13 Aug 2024 21:00:00 +0000

Wealth Without Bay Street 232: How Infinite Banking Can Transform Your Financial Future PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Financial freedom isn't just about accumulating wealth—it's about living it. Having complete control over your financial decisions while building a legacy of wealth for generations is an absolute dream for many. Fortunately, infinite banking allows us to achieve that. In this episode, we are joined by Nate Scott from Living Wealth. Nate shares his […]

231. 2024 Tax Changes: What Business Owners and Real Estate Investors Need to Know

Richard Canfield & Jayson Lowe — Wed, 07 Aug 2024 21:00:00 +0000

Wealth Without Bay Street 231: 2024 Tax Changes: What Business Owners and Real Estate Investors Need to Know PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Understanding the 2024 tax changes is crucial for making informed decisions that can impact your financial future. In this episode, we discuss the 2024 tax changes and the critical questions you should be asking. Business owners need to be aware of how tax changes affect corporate structures and dividends. […]

230. Private Lending With Infinite Banking: How Al Ahh Achieved Financial Success

Richard Canfield & Jayson Lowe — Wed, 31 Jul 2024 21:00:00 +0000

Wealth Without Bay Street 230: Private Lending With Infinite Banking: How Al Ahh Achieved Financial Success PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Private lending combined with the Infinite Banking Concept offers a pathway to financial independence that is both innovative and effective. In this episode, we are joined by Al Ahh, who shares his journey from discovering the Infinite Banking Concept to utilizing private lending to create financial freedom. Al’s story is filled […]

229. Exploring the Stability and Long-Term Benefits of Mutual Insurance with Martin Reeves

Richard Canfield & Jayson Lowe — Wed, 24 Jul 2024 21:00:00 +0000

Wealth Without Bay Street 229: Exploring the Stability and Long-Term Benefits of Mutual Insurance with Martin Reeves PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Imagine a financial institution that prioritizes you, the policyholder, over shareholders. Mutual insurance companies do just that, providing unique benefits and aligning their success with yours. In this episode, we speak with Martin Reeves, Head of Individual Insurance Business for Equitable Life of Canada. Martin brings over 20 years of […]

228. Velocity Banking and Infinite Banking Combined with Denzel Rodriguez

Richard Canfield & Jayson Lowe — Wed, 17 Jul 2024 12:00:23 +0000

Wealth Without Bay Street 228: Velocity Banking and Infinite Banking Combined PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ In this episode, Denzel Rodriguez, a seasoned entrepreneur and YouTube personality with over 55,000 subscribers and more than 4 million views, shares his journey with Velocity Banking. We delve into the origins of Velocity Banking, its practical applications, and how combining it with Infinite Banking can create a robust financial strategy. Tune in now and optimize […]

227. Infinite Banking Concept: Why Consider It?

Richard Canfield & Jayson Lowe — Wed, 10 Jul 2024 12:00:21 +0000

Wealth Without Bay Street 227: Why Should You Consider The Infinite Banking Concept PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Achieving financial freedom is a goal for many, but the path to get there can seem complex and overwhelming. In this episode, we talk with Clayton Smith, CET, Founder and Senior Technologist of C5 Projects, a certified engineering technologist turned entrepreneur who has successfully implemented the Infinite Banking Concept. Clayton shares his journey, insights, […]

226. Maximizing Marketing Through Effective Copywriting

Richard Canfield & Jayson Lowe — Wed, 03 Jul 2024 12:00:00 +0000

Wealth Without Bay Street 226: Maximizing Marketing Through Effective Copywriting PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Are you struggling to get your marketing emails noticed? Effective copywriting can transform your business, turning your email list into a goldmine of opportunities. In this episode, we are joined by William Wang, founder and CEO of Growth Labz, a result-focused marketing agency that specializes in helping B2B companies get qualified leads and turn them into dream […]

225. RESPs Explained | Reasons Why You Should Not Use An RESP

Richard Canfield & Jayson Lowe — Wed, 26 Jun 2024 12:00:00 +0000

Wealth Without Bay Street 225: RESPs Explained | Reasons Why You Should Not Use An RESP PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ RESP is NOT the best choice for securing your child's future– don't let traditional savings plans limit your financial potential! In this episode, we navigate through the maze of Registered Education Savings Plans (RESPs) and discuss alternative strategies that could reshape your financial planning for educational and familial prosperity. Learn how […]

224. The Power Of Infinite Banking In Your Family

Richard Canfield & Jayson Lowe — Wed, 19 Jun 2024 12:00:00 +0000

Wealth Without Bay Street 224: The Power Of Infinite Banking In Your Family PRE-ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Tired of traditional financial strategies that leave you feeling out of control? In this episode, we're joined by Kyle Fuller, the founder of Factum Financial. Kyle has revolutionized the way over 2,000 families approach their finances, building a staggering $650 million in legacy wealth. Discover the secrets of using life insurance as your personal […]

223. Sir Darren Jacklin on Thinking Big To Foster Global Change

Richard Canfield & Jayson Lowe — Wed, 12 Jun 2024 12:00:00 +0000

Wealth Without Bay Street 223: Thinking Big To Foster Global Change with Sir Darren Jacklin In this episode, we sit down with Sir Darren Jacklin, a global influencer and philanthropist, who has trained top executives across the globe and is now focused on global change through his ambitious philanthropic goals. Discover how Darren’s journey from living in a treehouse to impacting millions worldwide exemplifies the boundless potential of setting colossal goals. We'll explore his unique “Idea Party” concept, and delve into the power of leveraging personal and professional networks. We're either coming from a problem, in a problem, or heading […]

222. Use Infinite Banking To Buy A Business | Jim Oliver

Richard Canfield & Jayson Lowe — Wed, 05 Jun 2024 12:00:00 +0000

Wealth Without Bay Street 222: Use infinite banking to buy a business | Jim Oliver Do you want to avoid traditional financial strategies that leave you feeling stuck? In this episode, we dive deep into the Infinite Banking Concept (IBC) and how it can be a game-changer for entrepreneurs looking to buy and scale businesses. Join us as Jim Oliver, a seasoned Infinite Banking practitioner, reveals the secrets to creating a financial tailwind using this powerful strategy. Discover how real-world business owners have successfully implemented IBC to acquire businesses and build substantial wealth—beyond the confines of Wall Street. Jim's transformative […]

221. Pioneering Disease Detection with Advanced MRI Technology

Richard Canfield & Jayson Lowe — Wed, 29 May 2024 05:00:27 +0000

Wealth Without Bay Street 221: Pioneering Disease Detection with Advanced MRI Technology How can Imaginostics, a cutting-edge technology, transform early disease detection and treatment? In this episode, we discuss the technology behind Imaginostics. Our guests, Codi Gharagouzloo and Valerie Gharagouzloo, discuss the integration of advanced MRI technology with nanoparticle imaging to enhance medical diagnostics, paving the way for a new era in healthcare. Tune into this episode to learn about the groundbreaking advancements in MRI and nanoparticle imaging. Discover how this technology promises a future where preventive medicine can save more lives and reduce healthcare costs. ▶️ Pioneering Disease Detection with […]

220. Explaining The Infinite Banking Concept To Communities with The Cash Compound

Richard Canfield & Jayson Lowe — Wed, 22 May 2024 05:00:03 +0000

Wealth Without Bay Street 220: Explaining The Infinite Banking Concept To Communities with The Cash Compound In this episode, we're diving deep into the Infinite Banking Concept, shedding light on how you can be your own banker, and exploring its profound impact on families. Joined by the dynamic duo, Jeremiah Dew and Jonah Dew, this discussion is more than just financial advice—it's a revolution in your economic thinking. Also known as the “banking brothers,” Jeremiapersoh and Jonah share their journey from confusion to mastery in managing personal finance through infinite banking. If you're navigating the complexities of family finances and […]

219. Is Infinite Banking Worth It? Scott Butt's Transformation

Richard Canfield & Jayson Lowe — Wed, 15 May 2024 05:00:45 +0000

Wealth Without Bay Street 219: Is Infinite Banking Worth It? Scott Butt's Transformation How can Infinite Banking revolutionize your financial life? In this episode, we delve into the powerful story of Scott Butt and his journey with the Infinite Banking Concept (IBC). Discover how Scott transformed his financial approach, creating more wealth and gaining independence, as we unpack the essentials of Infinite Banking, its benefits, and how you can apply its principles to achieve financial freedom. Don't miss this opportunity. Discover why Infinite Banking could be the key to unlocking your financial potential. Start your journey toward true financial independence! […]

218. Real Estate Investor Uses Infinite Banking in Quebec Canada

Richard Canfield & Jayson Lowe — Wed, 08 May 2024 08:00:49 +0000

Wealth Without Bay Street 218: Real Estate Investor Uses Infinite Banking in Quebec Canada How can you maximize your real estate investments in Quebec? In this episode, we dive deep into the innovative strategies behind successful real estate investments in Quebec, Canada. We are joined by Axel Monsaingeon, a trailblazer in Quebec's real estate scene, who shares his journey from the corporate world to becoming a real estate mogul. Discover how integrating the Infinite Banking Concept has revolutionized his approach to building and sustaining wealth. Tune in now and discover how to take control of your financial […]

217. Federal Budget 2024: Capital Gains Tax Increase

Richard Canfield & Jayson Lowe — Wed, 01 May 2024 08:00:03 +0000

Wealth Without Bay Street 217: Federal Budget 2024: Capital Gains Tax Increase How will the Canadian 2024 Federal Budget and Capital Gains Tax Increase affect you? In this episode, we dive into the Federal Budget 2024's significant changes, particularly the increase in the capital gains tax. With expert insights, we unravel how these adjustments could impact Canadian investors, entrepreneurs, and property owners. Prepare for a clear breakdown of what this means for your financial strategy and investment portfolio. Tune into this insightful episode to arm yourself with the knowledge and strategies you need to optimize your financial plans. […]

216. Building a Family Financial Legacy Through Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 24 Apr 2024 08:00:15 +0000

Wealth Without Bay Street 216: Building a Family Financial Legacy Through Infinite Banking How do you create a lasting financial legacy for your family? In this episode, join us as we sit down with the dynamic duo, Darius and Carmen Britt, from the popular Wealth Nation YouTube channel. We dive into their transformative journey with the Infinite Banking Concept, exploring how it's not just about personal financial growth but building a robust financial legacy for the entire family. Don't miss out on this insightful discussion on weaving the Infinite Banking Concept into the fabric of family financial planning. Tune […]

215. Infinite Banking Concept After Age 55, Can I Do It?

Richard Canfield & Jayson Lowe — Wed, 17 Apr 2024 08:00:51 +0000

Wealth Without Bay Street 215: Infinite Banking Concept After Age 55, Can I Do It? Can you do the Infinite Banking Concept even after 55 years of age? In this episode, we go into a deep discussion whether the Infinite Banking Concept can work for individuals over the age of 55. We explore real-life examples and discuss both the potential and the limitations of starting this financial strategy later in life. Also, we'll shed light on what you need to have in place to make it work for you at this stage. Tune in now to discover how you can […]

214. Replacing Your Salary with Real Estate

Richard Canfield & Jayson Lowe — Wed, 10 Apr 2024 08:00:12 +0000

Wealth Without Bay Street 214: Replacing Your Salary with Real Estate Ready to revolutionize your financial future with time-tested strategies? In this episode, we discuss the power of sustainable financial growth through real estate and the Infinite Banking Concept with Donny Mangos, a wealth strategist and real estate aficionado. Discover how Donny has transformed his approach to wealth creation and how these strategies can be seamlessly integrated into your life for long-term financial independence and success. Tune in and make your money work smarter, not harder! ▶️ Replacing Your Salary with Real Estate Key Points: 00:00 Introduction 02:55 The infinite […]

213. What Problem Does Infinite Banking Solve?

Richard Canfield & Jayson Lowe — Wed, 03 Apr 2024 08:00:47 +0000

Wealth Without Bay Street 213: What Problem Does Infinite Banking Solve? Eager to uncover the silent culprit behind financial constraints? In this episode, we delve into the core of what Infinite Banking aims to solve, with our special guest, Dan Allen. We're peeling back the layers of the financial hurdles that families, entrepreneurs, and business owners face. Rethinking your financial strategies can lead to greater independence and control over your wealth. Tune in and discover how to turn financial challenges into opportunities with Infinite Banking. ▶️ What Problem Does Infinite Banking Solve? Key Points: 00:36 Introduction […]

212. The Go Giver Mindset With Bob Burg and Sarbloh Gill

Richard Canfield & Jayson Lowe — Wed, 27 Mar 2024 05:00:00 +0000

Wealth Without Bay Street 212: The Go Giver Mindset With Bob Burg and Sarbloh Gill Are you ready to transform your approach to success and financial independence? In this episode, we dive deep into the Go-Giver Mindset with best-selling author and renowned speaker, Bob Burg. Discover the transformative power of giving more in value than you take in payment. Whether you're an entrepreneur, a leader, or someone exploring the Infinite Banking Concept, this dialogue is your gateway to redefining success. Tune in and we’ll guide you to a world where giving is the ultimate key to receiving. ▶️ The Go […]

211. Wealth Creation Through Real Estate

Richard Canfield & Jayson Lowe — Wed, 20 Mar 2024 08:00:00 +0000

Wealth Without Bay Street 211: Wealth Creation Through Real Estate Wondering how to turn real estate into real wealth? In this episode, we unravel the secrets of wealth creation through real estate with Meghan Hubner, a seasoned independent consultant dedicated to guiding established businesses on their journey to sustainable growth. Meghan shares her transition from the healthcare industry to real estate consulting, offering unique insights into the challenges and opportunities within the real estate market. Discover the critical link between solid business foundations and successful real estate investing. Tune in to guide you through the maze of real estate […]

210. Upgrading Your Wealth By Upgrading Your Health

Richard Canfield & Jayson Lowe — Fri, 15 Mar 2024 08:00:10 +0000

Wealth Without Bay Street 210: Upgrading Your Wealth By Upgrading Your Health Can upgrading your health be the secret to boosting your wealth? In this episode, we're diving into the powerful link between your health and financial success. Joined by Barton Scott, Founder and CEO of Upgradedformulas.com, we explore how innovative health solutions can lay the groundwork for financial prosperity, especially for those intrigued by the Infinite Banking Concept. Discover the transformative potential of stabilized nano minerals and how they can amplify your journey toward financial independence. Tune in and learn how small, consistent steps in wellness can lead […]

209. Buying a House with the Infinite Banking Concept

Richard Canfield & Jayson Lowe — Wed, 06 Mar 2024 06:00:48 +0000

Wealth Without Bay Street 209: Buying a House with the Infinite Banking Concept In today's Client Series episode, we have the pleasure of welcoming Adam Marshall to our show. With an impressive track record as a Hall of Fame and Lifetime Achievement awardee for Re/Max in Ontario, his expertise in the real estate industry spans over two decades. From countless houses sold to every type of transaction imaginable, Adam has truly seen it all. He openly expresses his early reservations about life insurance in general. Being a firm believer in the philosophy of “Buy Term and Invest the Difference,” it […]

208. Infinite Banking Nuances and Your Behavior

Richard Canfield & Jayson Lowe — Wed, 28 Feb 2024 06:00:16 +0000

Wealth Without Bay Street 208: Infinite Banking Nuances and Your Behavior The insurance industry still suffers from a negative reputation due to the turn-and-burn method of selling. Instead of prioritizing service, salespeople focus solely on meeting goals and earning commissions. Understanding the importance of a professional advisory relationship is the key to building a long-lasting plan that will support you throughout your entire life. Ryan Griggs, the founder and principal advisor of Griggs Capital Strategies, discusses the nuances of purchasing whole life insurance. He emphasizes the importance of being cautious when receiving shallow advice and truly understanding the significance of […]

207. Tax Reporting Rules That Suck! Watch Out For Trusts!

Richard Canfield & Jayson Lowe — Wed, 21 Feb 2024 05:00:51 +0000

Wealth Without Bay Street 207: Tax Reporting Rules That Suck! Watch Out For Trusts! Are you involved in a bare trust arrangement? Currently, we are at the one-year mark since Bill C-32 was enacted. This means that we are now entering the first tax reporting season under this law, covering an entire tax year. This bill, which initially seemed harmless, will potentially cause some unexpected issues. So, what does this mean for the average Canadian consumer? If you want to stay ahead and understand the impact on your financial life, tune in – we've got all the details you […]

206. Finding the Perfect Storm in Real Estate Investing

Richard Canfield & Jayson Lowe — Wed, 14 Feb 2024 05:00:47 +0000

Wealth Without Bay Street 206: Finding the Perfect Storm in Real Estate Investing If you have ever tried to start, grow, and expand a Real Estate portfolio, you have likely realized that it is not as easy as you want it to be. Real Estate entrepreneur Russell Westcott shares tales from the trenches of his 25 years as an investor and capital raiser. One of the most valuable lessons he has learned is to be unafraid of trying and to put aside your ego when mistakes, even catastrophic ones, occur. Failing should never be considered a life sentence—it only […]

205. Next Level Income with the Investment Optimizer

Richard Canfield & Jayson Lowe — Wed, 07 Feb 2024 05:00:23 +0000

Wealth Without Bay Street 205: Next Level Income with the Investment Optimizer Want to learn the secret to creating a high-performing opportunity fund capable of transacting over $1 billion in real estate? Look no further because we have Chris Larsen, the expert who has accomplished just that! At a young age of 21, Chris began his real estate journey by acquiring his first rental property. Since then, he has retired from his medical career to focus on coaching others and helping them maximize their real estate portfolios in various areas. Chris has experience in syndications, car wash ownership, distressed debt, […]

204. Can You Get Rich Buying Cars?

Richard Canfield & Jayson Lowe — Wed, 31 Jan 2024 05:00:49 +0000

Wealth Without Bay Street 204: Can You Get Rich Buying Cars? The enticing advertisements are everywhere, floating across various platforms, claiming that buying cars can make you rich or help you create wealth. Most people in Canada and the United States are acquiring cars through different means like cash payments, leasing, or financing. But here's an interesting concept: Infinite Banking. It revolves around reclaiming the interest you would have otherwise paid to someone else. It's an intriguing strategy to strengthen your financial standing. ▶ WATCH: Can You Get Rich Buying Cars? Download a FREE copy of our bestselling books Cash […]

203. How Soon Can I Stop Paying Premiums with Infinite Banking?

Richard Canfield & Jayson Lowe — Wed, 24 Jan 2024 05:00:03 +0000

Wealth Without Bay Street 203: How Soon Can I Stop Paying Premiums with Infinite Banking? In Canada, many people have been conditioned by their past experiences, knowledge, and behavior to perceive insurance as an expense. This often leads to the question: when can I stop paying for this expense? It's a mindset we commonly have. But as coaches, our aim is to help people overcome this and realize that by changing our thinking, we can start asking more empowering questions. Instead of wondering when to stop paying, we should ask how long we can continue paying the premium and how […]

202. Income Splitting Strategies for Couples in Canada

Richard Canfield & Jayson Lowe — Wed, 17 Jan 2024 05:00:26 +0000

Wealth Without Bay Street 202: Income Splitting Strategies for Couples in Canada Curious about how to split income with your partner or spouse? It's a question on everyone's mind, especially when the rules keep changing and it becomes a myriad of complications. People are eager to find ways to maximize their tax benefits. Our good friend, Dan Allen, joins us to discuss the concept of income splitting. Dan, being a seasoned individual with experience under various governments and tax environments, brings a wealth of knowledge to the table. Don't miss out, tune in and get ready to learn! ▶ Income […]

201. How to Melt Down Your RRSP: Case Study

Richard Canfield & Jayson Lowe — Wed, 10 Jan 2024 05:00:17 +0000

Wealth Without Bay Street 201: How to Melt Down Your RRSP: Case Study Looking for a strategy to handle a potential RRSP meltdown? We've got you covered! Our sample plan generally requires a time commitment of at least 6 years. In this real example we accomplished for client Peter, we helped him navigate the process of withdrawing $300,000, while ensuring all taxes are taken care of. The key here is to focus on putting this money into a contractually guaranteed and financially secure solution, offered by reliable insurance companies. Unleash the full potential of your retirement savings! WATCH: ▶ How […]

200. Set Big Goals in 2024

Richard Canfield & Jayson Lowe — Wed, 03 Jan 2024 05:00:56 +0000

Wealth Without Bay Street 200: 1st Episode of 2024 “New year, new me” is a thing of the past. How about a New Decade resolution instead? With a decade ahead of us, we have room for growth and forgiveness. Let's focus on gradual and steady progress towards our goals. Reflect on the past, decide what you want to leave behind, and envision all the amazing things that will accompany you on this journey. Remember, small consistent efforts will lead to big results. Let's strive to build our best decade ever! Join this powerful new conversation: Episode 200 – 1st Episode […]

199. Cracking The Health and Wealth Code

Richard Canfield & Jayson Lowe — Wed, 27 Dec 2023 05:00:41 +0000

Wealth Without Bay Street 199: Cracking The Health and Wealth Code At our company, we emphasize the importance of protecting not just your finances but also prioritizing your health as a valuable asset. Just as you rely on advisors to handle your money matters, having guidance for your well-being is equally crucial. In this episode, we have Lisa Brooking, the CEO of Healthcode Medical Inc., joining us to discuss the value of functional medicine which gets to the root cause of health issues and utilizing innovative tech and testing. By combining these aspects, high quality person-centered care is becoming more […]

198. 2024 Canadian Tax Changes, CPP And Economic Updates

Richard Canfield & Jayson Lowe — Wed, 20 Dec 2023 05:00:48 +0000

Wealth Without Bay Street 198: 2024 Canadian Tax Changes, CPP And Economic Updates Simply put, inflation works as a sneaky tax on your income. It affects every dollar you make, ultimately reducing the amount of what you can keep. As Canadians, we are constantly burdened with punishing taxes, including some that are not widely known, that drain more of our hard-earned money. How can we fight back against this invisible tax? Are there any new changes and economic updates in Canada we should prepare for in 2024? Let's consider the idea of building a secure storage warehouse to protect our […]

197. Self Leadership: How To Achieve Becoming Your Own Banker

Richard Canfield & Jayson Lowe — Wed, 13 Dec 2023 05:00:08 +0000

Wealth Without Bay Street 197: Self Leadership: How To Achieve Becoming Your Own Banker If you find yourself complaining and feeling like a victim of the banking system, it's time to take charge and change the equation. Mike Sambrook, the Principal of Brackish Consulting Group and an IBC practitioner, puts it perfectly: many individuals miss out on unlocking generational wealth simply because they struggle to understand their current situation and are unsure about their desired destination. This holds true in various aspects of life, such as finance, health, business, and relationships. Every area of life is a journey from point […]

196. How to Achieve Personal and Financial Sovereignty

Richard Canfield & Jayson Lowe — Wed, 06 Dec 2023 05:00:35 +0000

Wealth Without Bay Street 196: How to Achieve Personal and Financial Sovereignty We are witnessing a concerning trend: federal authority is encroaching on the jurisdiction of the provinces in Canada. This limits the decision-making power that the provinces are entitled to under our constitutional rights. In this episode, we have a conversation with Jay Martin, an investor and CEO, who highlights the consequences of this interference. When our local economies are hindered and our ability to govern in our best interest is compromised, it becomes evident that centralization leads to more mistakes and makes the system more vulnerable. Join us […]

195. Using the Infinite Banking Concept to Reset Your Business

Richard Canfield & Jayson Lowe — Wed, 29 Nov 2023 05:00:28 +0000

Wealth Without Bay Street 195: Using the Infinite Banking Concept to Reset Your Business What exactly does it look like to completely restart your life after 30 years and finding out that you're losing a business you've worked so hard in? Well, our amazing client Laura Harkin has gone through this challenging experience, and she's here to share the valuable lessons she's learned. From establishing a holding company and setting up a family trust to ensuring a secure financial legacy for the next generation, Laura shows us how to hit that reset button on life with confidence. DON’T MISS this […]

194. How to Go Big to Give Big with Randy Molland

Richard Canfield & Jayson Lowe — Wed, 22 Nov 2023 05:00:16 +0000

Wealth Without Bay Street 194: How to Go Big to Give Big with Randy Molland At our core, we have a passion for GIVING and truly connect with Randy Molland's various endeavors that are dedicated to impactful causes we deeply care about. Today, we had the amazing opportunity to sit with him in a heartening conversation, talking about his inspiration behind the GoBigToGiveBig movement, how he does time/energy management wisely, and what he is currently working on to create a new brand of entrepreneurs of the future. TUNE IN to — How to Go Big to […]

193. Gold Backed Banking: The Best Form of Insurance

Richard Canfield & Jayson Lowe — Wed, 15 Nov 2023 05:00:04 +0000

Wealth Without Bay Street 193: Gold Backed Banking: The Best Form of Insurance Heads up, Canada folks! It's important to stay informed about some concerning developments happening around us. In this episode, we sit with Brett Oland as we talk about the latest 2023 budget, potential changes to federal matters and where credit unions hold an edge. Brett shares insights into the challenges faced by the banking industry and how he's innovating the game, especially in Alberta, Canada. WATCH ▶ Gold Backed Banking: The Best Form of Insurance Download a FREE copy of our bestselling books Cash Follow The Leader: […]

192. Debunking Dave Ramsey’s Misconceptions About Infinite Banking and Whole Life Insurance

Richard Canfield & Jayson Lowe — Wed, 08 Nov 2023 05:00:24 +0000

Wealth Without Bay Street 192: Debunking Dave Ramsey’s Misconceptions About Infinite Banking and Whole-Life Life Insurance Hey there! We're aware that many of you have been eagerly waiting for this reaction video. Dave Ramsey has been contacted by people periodically who inquire or have some comment about the process of becoming your own banker, the Infinite Banking Concept. But the conversation always shifts to or is always focused on the product rather than the process, which is really interesting (and sometimes deplorable). Make sure to tune in and join the conversation; it will help you understand what you might already […]

191. Building Legacy: The Jim Sheils Journey

Richard Canfield & Jayson Lowe — Fri, 03 Nov 2023 05:00:15 +0000

Wealth Without Bay Street 191: Building Legacy: The Jim Sheils Journey As your finances start to grow, how do you ensure your family grows alongside you, too? The last thing we want to do is be a success in business and a failure at home, right? Jim Sheils, a real estate investor and the amazing author of the #1 Wall Street Journal best-selling book, “The Family Board Meeting” totally gets it. Today, we have the pleasure of sitting down with him to chat about how to build true wealth, nurture our families, and find our ultimate purpose. Trust us, it's […]

190. Breaking News: Victoria Declares Whole Life Insurance Is A SCAM

Richard Canfield & Jayson Lowe — Wed, 25 Oct 2023 05:00:18 +0000

Wealth Without Bay Street 190: Victoria Declares Whole Life Insurance Is A SCAM On this platform, we believe in sharing only honest and reliable information. Our ultimate goal is to help everyone effectively manage and safeguard their wealth and maximize the Infinite Banking Concept. Unfortunately, there are individuals who refuse to accept the truth, even when we present it logically and back it up with extensive research and a proven track record. Let's not be someone who values emotions more than facts and logic. It's crucial to exercise caution in choosing who to trust when it comes to wealth protection […]

189. What Are You Really Worth?

Richard Canfield & Jayson Lowe — Wed, 18 Oct 2023 05:00:11 +0000

Wealth Without Bay Street 189: What Are You Really Worth? “What Would the Rockefellers Do?” is one great read not just for advisors but for anybody who is looking to grow and protect their wealth for generations. In this new episode, we sit down with the author himself, Michael Isom who invites us to think about how the concept of human life value is crucial here. Our worth as individuals and the ideas we generate are what give rise to property value. So, it's a simple equation: to enhance our property value, let's focus on enhancing our human life value. […]

188. Why Protecting Your Intellectual Property Should Be A Priority

Richard Canfield & Jayson Lowe — Wed, 11 Oct 2023 05:00:36 +0000

Wealth Without Bay Street 188: Why Protecting Your Intellectual Property Should Be A Priority To bring fresh ideas and inventions to life – it requires time, money, dedication, and brainpower. Ensuring the security of your business starts with safeguarding your innovations and concepts right from the start. In this episode, we sit down with Devin Miller, Founder & CEO of Miller IP Law to cover what any startup and small business should know about safeguarding your intellectual property, which acts as a valuable intangible asset, enhancing the success and value of your business. Learn more in this insightful NEW episode: […]

187. How to Prepare for Future Financial Windfalls

Richard Canfield & Jayson Lowe — Wed, 04 Oct 2023 05:00:21 +0000

Wealth Without Bay Street 187: How to Prepare for Future Financial Windfalls When the inevitable occurs and death comes knocking, there's something called a death benefit that you should know about. This benefit is completely tax-free, comes in the form of large money, and Nelson Nash wisely referred to it as a future windfall. So, we want to ask all of you: How well-prepared are you for the inevitable? And how ready are you to handle these future windfalls? Have you ever thought about it from a different perspective? Are you even aware of the best approach to deal with […]

186. Whole Life Policy Design: What You Need To Know

Richard Canfield & Jayson Lowe — Wed, 27 Sep 2023 05:00:51 +0000

Wealth Without Bay Street 186: Whole Life Policy Design: What You Need To Know In Becoming Your Own Banker, page 38, Nelson Nash describes the attributes of a whole life policy that would be ideal for The Infinite Banking Concept. Unfortunately, most of us have been taught to see insurance as something we should contribute as little as possible to, while expecting maximum benefits from it. However, it's time to think of a different approach and redefine what PREMIUM should mean for you! The premium when designed correctly is the solution to many of our financial problems. WATCH: Whole Life […]

185. What is an Infinite Banking Policy?

Richard Canfield & Jayson Lowe — Wed, 20 Sep 2023 05:00:39 +0000

Wealth Without Bay Street 185: What is an Infinite Banking Policy? There is no such thing as ‘Infinite Banking Policy.' You may hear this everywhere on the Internet. Statements such as “here is how to get yourself an ‘Infinite Banking Policy.' These are three words put together a lot that never should be. Why, you ask? Because there's no such thing. Certainly, the call needs to be raised to our colleagues and fellow IBC practitioners, and we should be mindful of our language to educate our clients. More importantly there is many out in the marketplace with a microphone “claiming” […]

184. Should I Use RRSP Matching?

Richard Canfield & Jayson Lowe — Wed, 13 Sep 2023 05:00:10 +0000

Wealth Without Bay Street 184: Should I Use RRSP Matching? From the time Canadians land their first job, they're commonly directed to invest in the Registered Retirement Savings Plan (RRSP) as a savings strategy. Interestingly, while it may seem that we're being nudged to place our money into this program by the people around us, the marketers, and the economic environment we live in – there's more to the story. Depending on your income bracket, using the RRSP in connection with your employer's matching program might not be greatly advantageous. That's because you may actually end up incurring higher taxes, […]

183. Learn, Earn, and Build a Legacy with IBC

Richard Canfield & Jayson Lowe — Wed, 06 Sep 2023 04:00:31 +0000

Wealth Without Bay Street 183: Learn, Earn, and Build a Legacy with IBC We absolutely admire working with individuals who approach life with respect, have strong family values, an active mindset, eagerness to learn, and openness to coaching. One of our awesome clients, Thomas Eade, is a constant source of inspiration. He always finds a way to invest in furthering his own learning given the nature of his work where he is always on travel and generally not home all the time with his family – undeniably a commendable initiative. Sadly, not everyone is ready to make this kind of […]

182. Invest In Your Most Valuable Asset

Richard Canfield & Jayson Lowe — Wed, 30 Aug 2023 05:00:50 +0000

Wealth Without Bay Street 182: Invest In Your Most Valuable Asset Looking for unique ways to guard and grow your wealth, just like the top 1%? Dave Wolcott suggests that Infinite Banking is one alternative wealth strategy you should definitely pay attention to. This serial entrepreneur and ex-marine captain has come on board to discuss the major money concepts in his book “The Holistic Wealth Strategy, a Framework for Building Legacy Wealth and Unlimited Freedom to Live an Extraordinary Life.” Check out this amazing new episode! Give it a listen, it's truly powerful! WATCH: INVEST IN YOUR MOST VALUABLE ASSET […]

181. Is Your HELOC A Ticking Time Bomb?

Richard Canfield & Jayson Lowe — Wed, 23 Aug 2023 10:00:57 +0000

Wealth Without Bay Street 181: Is Your HELOC A Ticking Time Bomb? Is your home equity line of credit (HELOC) potentially a ticking financial bomb? We sure hope not! Today, we're chatting with Henry Wong about some of the uncertainties in the HELOC market that's been noticeable in the Canadian landscape. We find ourselves navigating […]

180. Clarifying The Marketing Language Of Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 16 Aug 2023 14:00:14 +0000

Wealth Without Bay Street 180: Clarifying The Marketing Language Of Infinite Banking Everyone should be aware, especially our clients, what the Infinite Banking Concept is. Many practitioners sensationalize the message. The idea isn't about ‘beating' the bank, it's about becoming the banker. What you're doing is stepping into one of the four roles outlined […]

179. Estate Freeze with Richard Canfield & Henry Wong

Richard Canfield & Jayson Lowe — Wed, 09 Aug 2023 05:00:05 +0000

Wealth Without Bay Street 179: Estate Freeze with Richard Canfield & Henry Wong One thing that many people often forget is that we don't know when our best before date is. It's actually really important to be prepared for the unexpected by taking care of tax, estate and insurance planning, and ensuring the set up […]

178. Cash Follows The Leader - Finding The Money To Start IBC

Richard Canfield & Jayson Lowe — Wed, 02 Aug 2023 05:00:22 +0000

Wealth Without Bay Street 178: Cash Follows The Leader – Finding The Money To Start IBC You might be wondering, “How on earth can I find the money to start my infinite banking journey?” Here's the deal: you make money, you spend it, you make more money, and you spend it again. With this cycle […]

177. Raising Private Money with Jay Conner, Richard Canfield & Jayson Lowe

Richard Canfield & Jayson Lowe — Wed, 26 Jul 2023 05:00:48 +0000

Raising Private Money: Insights from Jay Conner, Richard Canfield & Jayson Lowe In episode 177 of the Wealth Without Bay Street podcast, hosts Richard Canfield and Jayson Lowe dive deep into the world of private money, a crucial aspect of real estate investing. Joining them is guest Jay Conner, an expert in private money lending and raising capital. This episode offers valuable insights into private financing, attracting private investors, and the art of securing private equity for business ventures. Understanding Private Money Lending Private money, as explained by Jay Conner, is fundamentally different from traditional lending sources like banks and […]

176. Cash Follows The Leader - The Foundation Of The Policy

Richard Canfield & Jayson Lowe — Wed, 19 Jul 2023 05:00:32 +0000

Wealth Without Bay Street 176: Cash Follows The Leader – The Foundation Of The Policy The more you explore the Infinite Banking Concept, the more opportunities for growth you will discover. It's one thing to gain control of your money – maintaining it is another. Chapter 2 of Cash Follows the Leader is where we […]

175. Cash Follows The Leader - Power of Control

Richard Canfield & Jayson Lowe — Wed, 12 Jul 2023 05:00:59 +0000

Wealth Without Bay Street 175: Cash Follows The Leader – Power of Control If you're new to exploring the Infinite Banking Concept, it's essential to understand the ins and outs of the process. We cover this in full in the book, Cash Follows the Leader. In Chapter 1, we reviewed how this system works using […]

174. When Do You Need to Set up Your Hold Company?

Richard Canfield & Jayson Lowe — Wed, 05 Jul 2023 04:00:09 +0000

Wealth Without Bay Street 174: When Do You Need to Set up Your Hold Company? with Henry Wong Every Canadian entrepreneur thinks of minimizing the level of exposure of their operating company. To achieve this, you can establish a holding company wherein funds can be moved outside the operating company and help cushion your capital […]

173. Kids And Money: The Power of Home Economy

Richard Canfield & Jayson Lowe — Wed, 28 Jun 2023 05:00:14 +0000

Wealth Without Bay Street 173: Kids And Money: The Power of Home Economy How do you teach your kids to create value? Simple, we gamify it with a fun app for parents and kids! It's so important to remember that the financial habits we teach them now have a ripple effect on their future. By […]

172. The Power Of Private Lending With Mortgages

Richard Canfield & Jayson Lowe — Wed, 21 Jun 2023 04:00:31 +0000

Wealth Without Bay Street 172: The Power Of Private Lending With Mortgages Are you not seeing the returns you hoped for with your retirement savings plans like RRSP, TFSA, LIRA, and the like? Why not consider private lending? It's a fantastic way to earn attractive interest rates in the real estate industry while supporting your […]

171. What Type Of Banker Rakes In The Most Cash?

Richard Canfield & Jayson Lowe — Wed, 14 Jun 2023 04:00:49 +0000

Wealth Without Bay Street 171: What Type Of Banker Rakes In The Most Cash? Which type of banker makes the MOST money? Well, this brings us back to the characters in the financial play Nelson Nash describes in the book titled Becoming Your Own Banker. First, it is vital to understand all four […]

170. Contracts That Guarantee The Delivery Of Money

Richard Canfield & Jayson Lowe — Wed, 07 Jun 2023 03:00:34 +0000

Wealth Without Bay Street 170: Contracts That Guarantee The Delivery Of Money MONEY GOAL – there's a difference between hoping for something and being sure of it. Listen to Richard and Jayson's advice and make sure you're covered. Just like a lender wouldn't under insure an asset, you shouldn't do it to yourself either. When […]

169. Understanding the Shift in the Global Currency System

Richard Canfield & Jayson Lowe — Wed, 31 May 2023 05:00:21 +0000

Wealth Without Bay Street 169: Understanding the Shift in the Global Currency System Have you ever wondered where the Canadian and global currency systems are headed? Many people have asked us this question, so Richard Canfield and Henry Wong decided to share perspectives and opinions on it. We'll be discussing the future of the Canadian […]

168. Infinite Banking Concept Fallacies and Myths

Richard Canfield & Jayson Lowe — Wed, 24 May 2023 05:00:45 +0000

Wealth Without Bay Street 168: Infinite Banking Concept Fallacies and Myths Consider the image of a tree stump for a moment. Former forester turned powerhouse financial thinker Nelson Nash likens it to investing in a whole life insurance policy. He once asked, “What does each ring represent?” The answer: it symbolizes one year of uninterrupted […]

167. Create Cash At A Discount

Richard Canfield & Jayson Lowe — Thu, 18 May 2023 05:00:49 +0000

Wealth Without Bay Street 167: Create Cash At A Discount Imagine giving just a nickel and receiving a dollar in return – that's a return on investment you simply can't pass up. Investing in a participating, dividend-paying whole life insurance contract is a smart move that ensures you can even generate cash at a discounted […]

166. How The Infinite Banking System Started

Richard Canfield & Jayson Lowe — Wed, 10 May 2023 05:00:19 +0000

Wealth Without Bay Street 166: How The Infinite Banking System Started Consider the image of a tree stump for a moment. Former forester turned powerhouse financial thinker Nelson Nash likens it to investing in a whole life insurance policy. He once asked, “What does each ring represent?” The answer: it symbolizes one year of uninterrupted […]

165. Faith And Freedom In Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 03 May 2023 05:00:43 +0000

Wealth Without Bay Street 165: Faith And Freedom In Infinite Banking From constitutional lawyer to entrepreneur and epic podcast host, tune in to the inspiring journey of Leighton Grey. For several years, Leighton has firmly established himself as one of Alberta's preeminent lawyers. His outstanding record in the courtroom has made its way into the […]

164. A Tax Free Addition To Your Business Surplus

Richard Canfield & Jayson Lowe — Thu, 27 Apr 2023 05:00:30 +0000

Wealth Without Bay Street 164: A Tax Free Addition To Your Business Surplus Economist R. Nelson Nash firmly believed that to truly excel financially; you must be involved in two businesses. One is the business that provides for your livelihood – putting food on the table and paying your bills. The other, however, is the […]

163. How Active Versus Passive Business Income Is Taxed In A Canadian Controlled Corporation

Richard Canfield & Jayson Lowe — Wed, 19 Apr 2023 05:00:32 +0000

Wealth Without Bay Street 163: How Active Versus Passive Business Income Is Taxed In A Canadian Controlled Corporation with Henry Wong Are you aware of the tax differences between active and passive income in the corporate world? It's important to understand the details surrounding both types of income, especially with rule changes that have affected […]

162. Enhance Your Physical and Financial Well-Being

Richard Canfield & Jayson Lowe — Wed, 12 Apr 2023 05:00:05 +0000

Wealth Without Bay Street 162: Enhance Your Financial Well-Being Through Energy Flow Every entrepreneurial origin story inspires you to push ahead in your journey. Our guest, Harry Massey, suffered from severe chronic fatigue syndrome, which left him bedridden for over 7 long years. His quest for healing and finding it became his foundation in building […]

161. Create More Certainty and Cash Value: Retirement Planning 2023

Richard Canfield & Jayson Lowe — Wed, 05 Apr 2023 05:00:42 +0000

Wealth Without Bay Street 161: How To Create More Certainty and Cash Value | Retirement Planning 2023 The late and great Ben Feldman said the best investment is “one that pays the most when it's needed the most.” For the person looking to build dependable wealth, choosing and deciding where to invest your money can […]

160. A Methodology for Wealth Building with Brett Tanner

Richard Canfield & Jayson Lowe — Thu, 30 Mar 2023 06:00:30 +0000

Wealth Without Bay Street 160. A Methodology for Wealth Building with Brett Tanner. Brett Tanner joins Richard and Jayson to discuss Brett’s Be Wealthy mastermind program for real estate investors. The program aims to teach agents how to transition from being realtors to investors and create wealth outside of their businesses. Brett emphasizes the importance […]

159. A CPP Case Study: Will You Get Your Money Back? with Henry Wong

Richard Canfield & Jayson Lowe — Thu, 23 Mar 2023 06:00:16 +0000

Wealth Without Bay Street 159. A CPP Case Study: Will You Get Your Money Back? with Henry Wong. Henry Wong joins Richard and Jayson to discuss the Canadian Pension Plan (CPP) and its impact on Canadians. They analyze data showing a declining trend in Canada's portion of the CPP investments, and explain how CPP contributions […]

158. Silicon Valley Bank Failure - Protect Your Deposits

Richard Canfield & Jayson Lowe — Wed, 15 Mar 2023 08:00:29 +0000

Wealth Without Bay Street 158: Silicon Valley Bank Failure – Protect Your Deposits with Richard & Jayson. BREAKING NEWS! Silicon Valley Bank is the 16th largest bank in the United States and was the largest bank by deposits in Silicon Valley. But last week, the most devastating news for bank depositors happened — the Silicon […]

157. Wealth Without Bay Street 3 Years of Podcasting with Richard & Jayson

Richard Canfield & Jayson Lowe — Thu, 09 Mar 2023 06:00:30 +0000

Wealth Without Bay Street 157: Wealth Without Bay Street 3 Years of Podcasting with Richard & Jayson. This conversation between Richard and Jayson focuses on looking back from how the podcast got started. They talk about the twists and turns of the show: How they came up with the idea and how the idea became […]

156. Tax Free Retirement, Tax Controlled Passive Income with Richard & Jayson

Richard Canfield & Jayson Lowe — Thu, 02 Mar 2023 06:00:15 +0000

Wealth Without Bay Street 156: Tax Free Retirement, Tax Controlled Passive Income with Richard & Jayson. This conversation between Richard and Jayson focuses on the idea of creating certainty and positive anticipation for the future by investing in a tool such as a dividend paying, participating whole life insurance policy. This type of policy is […]

155. Money School: Life Before and After Infinite Banking with Chris Naugle

Richard Canfield & Jayson Lowe — Thu, 23 Feb 2023 06:00:18 +0000

Wealth Without Bay Street 155: Money School: Life Before and After Infinite Banking with Chris Naugle. Chris Naugle is a professional snowboarder and America's number one money mentor. He recently spoke about how he went from professional snowboarder to a money mogul. He discussed the Infinite Banking Concept, which is something insurance companies don't want […]

154. Infinite Banking Policy Design: Beware of The 10/90 Policy

Richard Canfield & Jayson Lowe — Thu, 16 Feb 2023 06:00:12 +0000

Wealth Without Bay Street 154: Infinite Banking Policy Design: Beware of the 10/90 Policy with Henry Wong CPA. Henry discusses how basing a contract of the whole life insurance only on a simplified ratio of base versus flexible premium is flawed thinking. Henry shares why Canadians should be wary of what is referred to as […]

153. Planning on Living the Second 50 Years of Your Life

Richard Canfield & Jayson Lowe — Thu, 09 Feb 2023 06:00:38 +0000

Wealth Without Bay Street 153: Plan on Living the Second 50 Years of Your Life with Kathleen Adams. She encourages people to consider new opportunities and purpose for the Second 50 years of life and not waste wisdom or wealth. Kathleen believes vitality is important, and that people should strive to not become low-hanging fruit for gravity, continuing to be vital, active, and in service to others.

152. Coaching Football to Coaching Infinite Bankers

Richard Canfield & Jayson Lowe — Thu, 02 Feb 2023 06:00:38 +0000

Wealth Without Bay Street 152: Coaching Infinite Bankers is what Mark Benson does. An Authorized Infinite Banking Practitioner with the Nelson Nash Institute, Mark Benson discusses the philosophy for achieving victory and happiness. A former coach, he used his experiences in formulating and focusing on strategies that proved successful in financial education.

151. Real Estate Investor Becomes Infinite Banking Coach | Jinjin Fung

Richard Canfield & Jayson Lowe — Thu, 26 Jan 2023 07:45:48 +0000

Wealth Without Bay Street EPISODE 151: Featuring on today’s episode of Wealth Without Bay Street is returning guest, JinJin Fung. JinJin believes finance is a big part of everybody’s life. There is an efficient and peaceful way to take care of it and control it – practising the process of becoming your own banker. She doesn’t see this as a job but as a mission to pass on this great concept so more people can benefit from it.

150. Top Real Estate Agent Embraces The Infinite Banking Concept In Canada

Richard Canfield & Jayson Lowe — Thu, 19 Jan 2023 15:45:56 +0000

Wealth Without Bay Street EPISODE 150: Featuring on today’s episode of Wealth Without Bay Street, is Donny Mangos. Donny is the Team Leader for the downtown Toronto Keller Williams office, as well as the team leader for his own investor-focused real estate team of agents. Nearly 18 years as a Realtor, Donny has had a front row seat to the ins and outs of real estate ownership in Canada’s largest city. Donny has recently discovered creative strategies for building and preserving wealth through insurance, and has yet to come out of that rabbit hole! At home, Donny is a husband and father to 2 amazing daughters and a diehard Raptors fan.

149. Infinite Banking In Canada Versus The USA | Top 10 Differences

Richard Canfield & Jayson Lowe — Thu, 12 Jan 2023 15:45:44 +0000

Wealth Without Bay Street EPISODE 149: Featuring on today’s episode of Wealth Without Bay Street is Roman Pushkar. Join us as Richard and Roman talk about the differences in implementing the infinite banking concept in the USA versus Canada.

148. Will My Life Insurance Policy Pay Out A Death Claim? The Incontestability Period

Richard Canfield & Jayson Lowe — Thu, 05 Jan 2023 15:45:56 +0000

Wealth Without Bay Street EPISODE #148: Join us for today’s episode of Wealth Without Baystreet as Richard and Jayson discuss the payouts of a death claim on insurance policies and about incontestability periods.

147. Financial Tailwind For Your Whole Life

Richard Canfield & Jayson Lowe — Thu, 29 Dec 2022 15:45:12 +0000

Wealth Without Bay Street EPISODE 147: On today’s episode of Wealth Without Baystreet, we are joined by Vernon McCarty and Richard Canfield as they talk about The Infinite Banking Concept and how you can use the Financial Tailwind for your Whole Life.

146. Life Gives To The Giver A Charitable Impact with John Bromley

Richard Canfield & Jayson Lowe — Fri, 23 Dec 2022 15:45:17 +0000

Wealth Without Bay Street EPISODE 146: Featuring on today’s episode of Wealth Without Bay Street is John Bromley. John Bromley is the CEO and founder of Charitable Impact. He grew up with charity at the core of his family’s values. He started his career in corporate finance working with PwC and RBC Capital Markets and then went to work with his father, Blake Bromley. John recognised a need to make giving more accessible and more effective. With that in mind, John went on to launch Charitable Impact. Charitable Impact is a fully online DAF platform where you have an online bank account that processes cash & non-cash (Stocks, real estate, insurance, crypto etc) donations. Their Mission is to nurture the generosity within each person, and bring the resources for creating change in the world to everyone.

144. Corporate Infinite Banking With Passive Income With a $1,000,000 Premium

Richard Canfield & Jayson Lowe — Thu, 08 Dec 2022 18:50:17 +0000

FREE report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/ Wealth Without Bay Street EPISODE #144: Join us for today’s episode of Wealth Without Baystreet as Richard and Jayson discuss the corporate infinite banking with passive income with an example of a million dollar premium. IN THIS EPISODE, YOU WILL LEARN: […]

143. How Scary is Inflation and Can IBC help?

Richard Canfield & Jayson Lowe — Fri, 02 Dec 2022 16:53:22 +0000

Wealth Without Bay Street EPISODE 143: Featuring on today’s episode of Wealth Without Bay Street is Roman Pushkar. Join us as Richard and Roman talk about inflation, their experiences and how you can implement IBC and how it can help.

142. Dream Architecture: Build a Retirement Beyond What’s Possible with Brittany Anderson

Richard Canfield & Jayson Lowe — Thu, 24 Nov 2022 15:45:04 +0000

FREE report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

Wealth Without Bay Street EPISODE 142: Joining us on today’s episode of Wealth Without Bay Street is Brittany Anderson. Brittany Anderson is the President and Shareholder of a top-ranked financial services firm, Sweet Financial Partners. Having more than a decade’s worth of experience in her field, she has taken her business building and team engaging insights, and has worked with CEO’s, Entrepreneurs, Business Owners, and Authors. Brittany is also the co-creator of the Ultimate Advisor Coaching and Ultimate Advisor Mastermind Platforms. Her insights have been featured in national media outlets such as the Huffington Post, Barron’s, Private Wealth Magazine, Soar to Success & Forbes magazine. She has shared her expertise through her contribution to three published books and will continue on with her love for writing as she is set to publish two additional books in 2022. As an influential speaker and author, Brittany Anderson has spoken at Million Dollar Round Table, Raymond James National Conference, EWAS and others on showing up each day to be more than a title, more than a label, and pursuing a life that fulfils their purpose.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:26 Brittany’s Journey

6:52 For The Next Generation

10:43 Don’t Have A Scarcity Mindset

13:55 Leaving A Legacy

24:16 Creating The Right Space

28:53 Reflecting On Who You Truly Are

34:17 What Does Your Brain Look For

40:16 Who Would Brittany Want To Be A Hero To

Connect With Brittany:

Website: https://sweetfinancial.com/

FaceBook: https://www.facebook.com/brittany.anderson.25

Instagram: @thebrittanyanderson

LinkedIn: https://www.linkedin.com/in/brittany-anderson/

141. Shield Yourself From Inflation and Onerous Taxation With IBC

Richard Canfield & Jayson Lowe — Thu, 17 Nov 2022 15:45:40 +0000

FREE report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

Wealth Without Bay Street EPISODE #141: Join us for today’s episode of Wealth Without Bay Street with your hosts, Jayson and Richard, as they discuss how to use the infinite banking system to your advantage by shielding yourself from inflation and unnecessary taxes.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:52 Tax Hikes In Canada

6:54 Canada Pension Plan Contributions

9:34 What Goes In The CPP vs. Our Own Family System

19:25 Want Control Over Your Finances

21:36 Policies Keep You Safe

25:19 Don’t Rely On Banks

140. How to live an EPIC Life and create an EPIC Business

Richard Canfield & Jayson Lowe — Thu, 10 Nov 2022 21:30:48 +0000

Wealth Without Bay Street EPISODE 140: Back on today’s episode of Wealth Without Bay Street is Justin Breen. Justin is the founder and CEO of BrEpic Communications LLC, a PR firm that works exclusively with visionaries and exceptional businesses around the world. He has won dozens of editing and writing awards and is an author of countless viral stories. Justin is hard-wired to seek out and create viral, thought-provoking stories that the media craves, and he finds the best stories when he networks with visionary entrepreneurs and executives who understand the value of investing in themselves and their businesses. He has built an international network of extraordinary people and believes strongly in the power of introductions and creating important relationships through those introductions.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:33 What Inspired Justin’s Book

4:31 Coping As An Entrepreneur

10:03 Visionaries And Stabilisers

14:24 Execute Don’t Overthink

20:53 Being An Entrepreneur In Your Family

26:16 Learning From Our Parents

31:17 Raising Children To Be Strong

38:21 Having Family Activities

46:25 Learning From Other Entrepreneurs

Connect With Justin:

Website: www.BrEpicLLC.com

LinkedIn: https://www.linkedin.com/in/justinbreen1

New Book: Epic Life: https://www.amazon.ca/Epic-Life-Collaborative-Companies-Putting/dp/1544532563/

139. Infinite Banking Used On The Key People In Your Life | An Example

Richard Canfield & Jayson Lowe — Tue, 01 Nov 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE #139: Join us for today’s episode of Wealth Without Baystreet with Jayson and Richard to learn about how to use the infinite banking concept to ensure the lives of key people in your life.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:53 Insure The Co-Founder in Your Family and Business

4:46 Take a Look at the Example

8:11 Is The Policy Exempt From Tax?

11:15 Growing Cash Value

14:08 Years Five to Six

18:26 What Happens if the Life Insured Dies

22:24 Money Had to Reside Somewhere

25:06 An Example in Real Estate

28:34 Protect Yourselves

138. Using An Artificial Intelligence Business to Solve A Global Problem

Richard Canfield & Jayson Lowe — Tue, 25 Oct 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 138: Featuring on today’s episode is Genady Knizhnik, a co-founder of Bot Publishing, he has helped to create a language learning platform called LillyPad, an innovative and unique take on the existing Digital Language learning industry combining the power of the most recommended path to achieve fluency with the latest AI technologies. LillyPad focuses on intermediate/advanced language learners who are underserved by the majority of existing applications.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:25 How LillyPad Came To Be

4:03 What Make LillyPad Different

11:35 Applications of LillyPad

12:19 Three Tenants Of LillyPad

16:28 How AI Is Used In LillyPad

21:05 How LillyPad Was Started

24:20 Who Would Genady Want To Be A Hero To

Connect With Genady:

Website: https://lillypad.ai/

FaceBook: https://www.facebook.com/lillypad.english/

Instagram: https://www.instagram.com/lillypad.english

137. How Nelson Nash Solved a $2,607,409 Problem | Infinite Banking Concept

Richard Canfield & Jayson Lowe — Tue, 18 Oct 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE #137: Join us for today’s episode of Wealth Without Baystreet with Jayson and Richard to learn about how becoming your own banker can be financially freeing!

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:20 Interest Rates in 1980’s vs. Today

9:44 Nelson’s Example

14:34 Getting People To Catch On

16:16 Magic Of Leverage

22:24 Wealth Has To Reside Somewhere

136. Canada Pension Plan Loses $22 Billion, Will It Affect Me? | Henry Wong

Richard Canfield & Jayson Lowe — Tue, 11 Oct 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 136: Today’s episode features Henry Wong again. Henry is a professional CPA who also trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. Today he uses the opportunity to help explain Canadian life insurance landmines that U.S. citizens can avoid. Join us today as Henry present’s data about the Canada Pension Plan and analyzes what this could mean for the future.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:51 How Does The Canada Pension Plan Work

4:02 Aspects Of CPP To Be Aware Of

8:38 How Losing $22 Billion Affects Everyone

19:06 Contributions In 2020

23:04 CPP And Its History

26:22 Contributions And Withdrawals

31:46 Putting Yourself In An Advantageous Position

36:11 Employer Contribution Is An Expense

40:47 Canada Revenue Agency – Boiling Frog Syndrome

49:44 How Much are You Really Contributing

53:46 Looking Towards 2023

59:02 Limitations Of The CPP

135. Smith Manoeuvre With IBC

Richard Canfield & Jayson Lowe — Tue, 04 Oct 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 135: Featuring on today’s episode is Monty Bhatia. Monty graduated from U of T as a Software Engineer and has been working in the Technology space for the past 20 years. He is also a real estate salesperson, real estate investor and Smith Manoeuvre Certified Ambassador. Monty practices the Infinite Banking Concept as well as The Smith Manoeuvre personally.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:53 How Monty Integrated IBC With The Smith Manoeuvre

8:57 Essence Of The Smith Manoeuvre

15:24 Implementing “Accelerators”

18:25 Where Do These Processes Integrate

22:56 Does This Affect Your Taxes

26:21 Advantages Of Using This Tool

32:45 Having Conversations About The Smith Manoeuvre

39:10 Who Would Monty Want To Be A Hero To

Connect With Monty:

Email: me@montybhatia.ca

Contact: 647-234-0464

Smith Manoeuvre Calculator

Smith Manoeuvre Book

Smith Manoeuvre Homeowners Course

134. The Infinite Banking Concept Opens New Doorways

Richard Canfield & Jayson Lowe — Tue, 27 Sep 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 134: Featuring on today’s episode is Carrie Johnson. Carrie has been a Certified Nail Technician for 19 years and an Educator for 17 years. She loves sharing and teaching new skills to people who are eager to learn. Carrie is also an enthusiastic learner and you can join us today to learn more about her journey with IBC.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:27 Carrie’s Journey With IBC

9:43 How Has the Process Been?

13:27 Sharing About IBC

17:47 Never Too Late to Start

24:25 Doing Nails and Business!

28:47 Starting With Baby Steps

133. Entrepreneur Sells Amazon Store and Creates Two New Online Businesses

Richard Canfield & Jayson Lowe — Tue, 20 Sep 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 133: Featuring on today’s episode is Nathan Hirsch. Nathan is a lifelong entrepreneur and currently the CEO of EcomBalance and Outsource School. Nathan started his first business in 2009 from his college dorm room buying and selling textbooks on Amazon. In the next 5 years, he expanded into other products and scaled it to over $25 million in total sales.

After scaling his Amazon business and hiring hundreds of virtual assistants from sites like Upwork and Fiverr, he and his business partner, Connor Gillivan, co-founded and scaled FreeUp.net with an initial $5,000 investment to $12 million in yearly sales. FreeUp was acquired in 2019 by The Hoth.

In 2020, Nathan co-founded Outsource School to offer his exact online hiring and management methods to business owners looking to build a remote team. Nathan scaled Outsource School to hundreds of members and it continues to grow today.

In 2021, Nathan co-founded EcomBalance, an online bookkeeping service to help eCommerce business owners better master their finances and bookkeeping. After interviewing 100+ eCommerce business owners, it was clear that there was a need for a better solution in the market. Nathan decided to tackle it and the company is growing quickly.

Originally from Massachusetts, Nathan is now a foster parent and lives in Denver, Colorado with his wife and two dogs.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:50 Nathan’s Entrepreneur Journey

5:39 About EcomBalance

10:03 Selling Free Up

13:57 Comparing Trends and Numbers

20:06 Know When to Go On and Stop

24:31 Working With Trial and Error

30:36 Having the Right Partner

38:41Who Would Nathan Want To Be a Hero To

Get Connected With Nathan:

phone: 413-250-0846

email: nathan@ecombalance.com

website: ecombalance.com

132. Infinite Banking Policy Application Questions

Richard Canfield & Jayson Lowe — Tue, 13 Sep 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 132: Featuring on today’s episode is Jennifer Wolfe, who recently started her journey with infinite banking and now helps others with theirs. Join us today with Richard Canfield and Vernon McCarty to discuss the infinite banking policy application process to make your journey easier.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:21 The Start of Jennifer’s Journey With IBC

10:34 What To Be Prepared For When You Start

15:25 How Long Does The Application Take

20:27 Give All The Information You Can

22:53 What is an APS?

28:49 Process of Taking a Policy Loan

36:40 Continue To Meet Your Coach

38:33 Who Would Jennifer Want To Be a Hero To

Get Connected With Jennifer:

E-Mail: jwolfe@ascendantfinancial.ca

131. Canadian Real Estate Investors Tax Strategies

Richard Canfield & Jayson Lowe — Tue, 06 Sep 2022 21:45:00 +0000

Wealth Without Bay Street EPISODE 131: Featuring on today’s episode is Cherry Chan. Cherry is an entrepreneur, author, blogger, and mom of two young kids. Her accounting practice specializes in helping Real Estate Investors reach their investment goals. She started her real estate investment journey over 10 years ago by buying one

student rental in her own name then became two more in the same year. Now she co-owns multiple properties with her husband. Through her blog, she has been inspiring others to take charge of their lives, make changes and take action. Cherry is also a Best-Selling Author on Amazon for her book called “Complete Taxation Guide to Canadian Real Estate Investing”. She can be reached via her website at RealEstateTaxTips.ca

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:06 Cherry’s Golden Nuggets of Wisdom

5:41 Everyone Has a Different Criteria

8:47 Dealing With Multiple Joint Ventures

11:52 Financial Pressure of Losing a Loved One

15:47 Estate Planning

19:58 Life Insurance as Collateral

24:30 Taxes and Property

28:42 Liability Aspects

33:57 Cherry’s Blogging Journey

39:48 Who Would Cherry Want To Be a Hero To

Get Connected With Cherry:

Instagram: https://www.instagram.com/realestatetaxtips/

Facebook: https://www.facebook.com/RealEstateTaxTips

YouTube:https://www.youtube.com/channel/UCeF071nDgWkbpm4J65uLbmA

130. Investing with Whole Life Policy Loans in Canada Interest Deductions

Richard Canfield & Jayson Lowe — Tue, 30 Aug 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE #130: On today’s episode of Wealth Without Baystreet, Jayson and Richard talk about how you can invest with your whole life policy loans and about interest deductions.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

00:29 Is Policy Loan Interest Tax Deductible?

3:09 Two Tracks You Can Take

5:28 Being an Honest Banker

9:36 Interest Write-Off

12:26 Know Your Options

16:56 Commercial Banks vs. Life Insurance Companies

129. The Wrong Way to Structure Whole Life Insurance in Canada

Richard Canfield & Jayson Lowe — Tue, 23 Aug 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 129: On today’s episode of Wealth Without Baystreet, we are joined by Vernon McCarty and Richard Canfield as they talk about

The Infinite Banking Concept and how Par Whole Life Insurance in Canada is the original Tax-Free Savings account. This is part two of the two part series, where Richard and Vernon get their rant on!

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:31 Insurance Has Good Value

4:48 Control the Process

6:42 Debt to Deposit Ratio

9:38 Tale of Two Dads

12:56 Passing Down a Policy

17:54 Getting Your Info From the Right Place

24:58 Choose The Most Equipped

26:45 What Insurance Companies Do Wrong

34:30 Product vs. Process

37:48 Why You Should Read Nelson’s Book

128. The original Canadian TFSA – Tax Free Saving Account

Richard Canfield & Jayson Lowe — Tue, 16 Aug 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 128: On today’s episode of Wealth Without Baystreet, we are joined by Vernon McCarty and Richard Canfield as they talk about The Infinite Banking Concept and how Par Whole Life Insurance in Canada is the original Tax-Free Savings account. This is part one of the two part series so we hope you stay tuned!

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:33 Misclassification of the Tax Free Savings Account

4:34 Easing Into Understanding IBC

7:18 TFSA vs. IBC

13:08 The Original Tax Free Savings Account

19:15 Don’t Be a Poor Planner

25:28 Anything Can Happen

35:42 You Can Start Anywhere

127. 5 Ways To Reduce Taxes In Canada And Protect Your Wealth

Richard Canfield & Jayson Lowe — Tue, 09 Aug 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 127: Today’s episode features Henry Wong again. Henry is a professional CPA who also trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. Today he uses the opportunity to help explain Canadian life insurance landmines that U.S. citizens can avoid.

Henry chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. He now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:03 Separating Yourself From The Two Systems

4:54 How Much Tax Does An Average Canadian Family Pay

8:30 The Five D’s

10:04 Using Time To Your Advantage (Defer)

12:38 Misconception of the Lower Tax Bracket

16:19 Design of The Canadian Tax System (Design)

20:47 Defining Your Income (Define)

26:38 Dividing the Income (Divide)

35:38 The Disconnect (Disconnect)

42:15 Other Products Considered Income

126. Infinite Banking For Canadians A Self Sustaining System

Richard Canfield & Jayson Lowe — Tue, 02 Aug 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 126: Featuring on today’s episode is Mike Everett, one of the most passionate people you’ll ever meet about The Infinite Banking Concept, commonly known as IBC. As an Authorized Practitioner, the ONLY thing Mike does is help people learn, understand and utilize the unbelievable power of The Infinite Banking Concept through dividend-paying whole life insurance. As a result, he’s had the honor of becoming one of the premier IBC Coaches & Teachers in the country. One of Mike’s main goals is for you to utilize his knowledge and personal experience to enhance and grow your wealth systematically.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:15 Mike’s Enthusiasm For IBC

5:12 Don’t Read BYOB After 9pm

10:00 The Book That Has Everything You Need

15:48 17 Years of Paying Premium

19:24 You Are Likely To Screw Up Your Plan!

26:12 Nelson’s Advice To Mike

33:27 Journey Of Learning Never Stops

39:52 Simple But Not That Simple

47:26 Who Would Mike Want To Be a Hero To

Get Connected:

Life Success & Legacy: https://lifesuccesslegacy.com/

Contact: mike.everett@lifesuccesslegacy.com

125. Infinite Banking Conversations About Nelson Nash With Tim Yurek

Richard Canfield & Jayson Lowe — Tue, 26 Jul 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 125: Featuring on today’s episode is Tim Yurek, the founder and CEO of Tier 1 Capital, a leading national financial consulting firm. Over his 35+ year career, he has worked with thousands of families across the country helping them achieve their financial goals – like sending their children to college, purchasing a new home or property, planning for business succession and successfully navigating their way through all stages of their financial journey. As the CEO of the company, Tim plays a foundational role in supporting the business. Everything from designing financial plans to identify funding sources to implementing these plans to secure funding. All of this work is powered by the unique application of Tier 1 Capital’s Growth Process. Tim’s promise to clients is to help them truly experience financial freedom by using strategies that minimize risk, increase accessibility, and put them in control of their money.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:25 Tim’s Time and Journey With Nelson

8:15 Looking Back – From 1997 to 2022

11:09 Going Back to the Basics

13:47 Don’t Knock It Till You Try It!

16:52 How Has IBC Evolved Over Time For Tim

21:30 Learning To Manage Finances

26:23 Tim’s Advice to You

30:49 Communicating the Process

33:47 Never Too Late to Start – Nelson’s Start

40:25 Investing For Future Generations

49:31 Who Would Tim Want To Be a Hero To

Get Connected:

LinkedIn: https://www.linkedin.com/in/timothy-yurek

Contact: https://financialprofessionals.massmutual.com/timothy-yurek

Tier 1 Capital: https://tier1capital.com/about-us/

124. USA Citizens In Canada Life Insurance Landmines

Richard Canfield & Jayson Lowe — Tue, 19 Jul 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 124: Featured on today’s episode is Henry Wong, a professional CPA who also trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. Today Henry uses the opportunity to help explain Canadian life insurance landmines that U.S. citizens can avoid.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:47 Insurance is Tied to Your Citizenship and Residency

8:05 Canada vs. U.S. Exempt Rules

10:18 Getting Canadian Insurance as a U.S. Citizen

12:29 Estate Tax

17:05 American vs. Canadian Tax System

21:08 U.S. Exempt Test

28:51 Identifying the Problem and Finding the Solution

30:14 Having a Canadian Citizen Beneficiary

31:16 Imposing Excise Tax

34:42 Tips For U.S. Citizens

40:10 Irrevocable Beneficiary

46:09 Cutting Ties With Canada

123. Thinking Like a Bank Owner with Justin Craft

Richard Canfield & Jayson Lowe — Tue, 12 Jul 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 123: Joined on today’s episode is Justin Craft, President of Nowlin & Associates, a leading wealth management firm with over 40 years history in the Birmingham area. Recognizing the change in the economic environment in 2008, Justin facilitated the business model change at Nowlin and Associates from a traditional wealth management firm to one that offers educational based introductions to current financial topics. He is a regular on radio talk shows, has hosted over 300 educational workshops and manages the company's training program. Recently he was elected to serve as chair for the nationally recognized Field Advisory Cabinet for Ameritas Financial Corp. He is passionate about financial education and his home city Birmingham and the city's potential.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:54 Justin’s Journey With IBC

7:01 Justin’s Relationship With Nelson

15:10 Looking Back At The Year and Growing

17:19 Get Back to the Basics

22:25 Be in the Banking Business

26:28 Be a Team Player

31:13 How to Help People Who Struggle With the Idea of IBC

35:33 Who Would Justin Want To Be a Hero To

Get Connected:

LinkedIn: https://www.linkedin.com/in/justin-craft-b11a0019/

Website: https://www.nowlinwm.com/node/1094

E-mail: Justin@NowlinWM.com

122. 7 Steps To Becoming Your Own Banker

Richard Canfield & Jayson Lowe — Tue, 05 Jul 2022 18:08:40 +0000

Wealth Without Bay Street EPISODE 122: On today’s episode of Wealth Without Baystreet, Richard and Jayson walk you through 7 easy steps that you can follow to become your own banker.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:54 Set Yourself in a Strong Foundation

6:21 Brief Runthrough the Seven Steps

8:51 Reading Through Nelson’s Book Well

12:08 Different Learning Methods Makes it Engaging

15:02 You Can Decide When to Call it Quits

16:29 You Will Need the Book

19:37 Bonus Steps After

121. Real Life Canada Market Crash Stories 2022 – Protect Your Wealth

Richard Canfield & Jayson Lowe — Tue, 28 Jun 2022 20:30:00 +0000

Listen to Real Life Canada market crash stories 2022 and learn how you can Protect Your wealth. Get the FREE report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

Wealth Without Bay Street EPISODE 121: In Wealth Without Bay Street EPISODE 121, Richard Canfield and Dan Allen share personal Canadian market crash stories they have each experienced from various market cycles. Dan reflects on his memory of the increasing interest rates in Canada during the early 1980s and a missed opportunity on oil company stock options.

Richard tells 3 warning tales of Canadian Real Estate market crashes that impacted him financially. How one property dropped in value almost ten times and negative cash flow and staging a coup for a condo board. The third tale is a warning for investors lending money on secured mortgages. Richard just barely squeaked out of a private second mortgage deal where all of his capital was at the risk of loss. Contrast all of that to the peaceful stress free nature of contractually growing cash values with The Infinite Banking Concept in Canada.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:18 Flux of Change in the Market

5:44 Two Rules to Remember

7:54 Stock Market Crash in ‘08-’09

10:57 Investing Vs. Speculating

17:31 Learn From Successful Business Models

19:20 Dan Tells How He Lost Out on Company Stock Options

22:31 Richard Loses Money on a Rental Property

28:49 Richard Loses Money on a Land Development Deal

31:13 Richard Almost Loses Everything on a 2nd Mortgage Deal

38:09 Learning From Previous Mistakes

40:00 Do Your Homework Before Investing

120. Corporate Tax Landmines In Canada with Henry Wong

Richard Canfield & Jayson Lowe — Tue, 21 Jun 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 120: Featured on today’s episode is Henry Wong, explaining how you, as a business owner, can avoid corporate tax landmines in Canada. Henry is a professional CPA and trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. He chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. Henry now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:14 The Flow of Capital

5:29 The Theory of Integration

10:21 Landmine #1 – Shareholders Get Benefits From Their Company

15:47 Landmine #2 – Shareholder Borrowing

21:42 Golini Case Study

29:49 What Can Happen If You Go With Shareholder Borrowing

33:51 Know Your Fine Print

38:25 Get Connected With The Right Advisors

Golini Case File

https://www.canlii.org/en/ca/tcc/doc/2016/2016tcc174/2016tcc174.html

Tax Court Ruling a Cautionary Tale for Small Business Owners

https://www.advisor.ca/columnists_/florence-marino/shareholder-borrowing-is-a-shareholder-benefit-but-how-much-is-it-worth/

119. The Money Advantage Using Infinite Banking In Canada

Richard Canfield & Jayson Lowe — Tue, 14 Jun 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 119: This episode of Wealth Without Baystreet features Bruce Wehner and Rachel Marshall. Bruce Wehner is the lead advisor of The Money Advantage, where he designs and communicates the individualized solutions that help their clients increase cash flow and financial control. He is a Nelson Nash Institute Authorized Infinite Banking Practitioner who has been practicing Infinite Banking since his parents started his first policy when he was a young child.

Rachel Marshall is the Co-Founder, Chief Financial Educator, and Content Strategist of The Money Advantage. She’s currently writing a book about her near-death experience and how it became the springboard for her family’s multi-generational legacy of more than money.

Bruce and Rachel are the co-hosts of The Money Advantage podcast, the popular business and personal finance show.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:38 The Money Advantage – How It All Started

7:00 Grasping A Firm Understanding

11:59 Finding The Right Audience

15:05 Bruce’s Journey With IBC

22:02 Rachel’s Journey With IBC

25:31 Reading And Other Learning Mediums

30:08 How The Message Gains Traction

33:50 Always Get Back To The Fundamentals

43:50 Dealing With Negative Comments

52:05 Rachel’s Near-Death Experience

Website: https://themoneyadvantage.com/

LinkedIn: https://www.linkedin.com/company/themoneyadvantage

Facebook: https://www.facebook.com/TheMoneyAdvantage

Twitter: https://twitter.com/Money_Advantage

Instagram: https://www.instagram.com/themoneyadvantage/

YouTube: https://www.youtube.com/c/TheMoneyAdvantage

Rachel Marshall:https://www.linkedin.com/in/rachelmmarshall/

Bruce Wehner: https://www.linkedin.com/in/bruce-wehner-5619b5a

118. Estate Planning Innovations In A Digital World Meet Guidr

Richard Canfield & Jayson Lowe — Tue, 07 Jun 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 118: Featuring on this episode of Wealth Without Baystreet are David Zumpano and Guy Remond. David Zumpano started out as an estate planner, founding The Estate Planner Law Center in 1995. Over the years David has also founded the Medicaid Practice Systems, LLC in 2010 and has authored Protect Your IRA, Avoid the 5 Common Mistakes, a contributory book offering for Estate planning attorneys in 2015. David now continues his journey helping estate planning and elder law attorneys build purpose driven practices with personal and professional balance. Guy Remond has over 20 years in the tech, software & consulting/advisory industries, as a founder, director, investor and advisor. Following his passion Guy branched out into the technical world, in 2001 and was a founding member and CEO of Cake Solutions Ltd. Guy has invested in a number of companies and is actively working with these companies in a non-executive director or chairman role, helping them to fulfill the leadership's drive to a successful outcome.

David and Guy have been partners in building Guidr, a digital, easy to use client interface platform released to lawyers, changing the industry by digitizing how lawyers communicate with clients to meet the demands of the modern technological advancements consumers have come to expect. In October 2021, Dave and his technology partner, Guy Remond, co-authored; The Digitization of Law; How to transform technology disruptions into abounding opportunities, which provides the basis and support for the future of the law practice incorporating digital technology.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:36 How Guidr Was Born

14:12 Guidr And Its Features

18:28 How Does Guidr Work

19:24 Maintaining a Relationship With Your Attorney

20:54 To Have the Law Digitized, Democratized, Demonitized

26:04 Creating a Convenient Solution

28:17 Confidentiality and Ethics

32:04 Guidr Is The Future

38:13 Adapting As Technology Advances

42:42 Understanding The Consumers

48:54 Creating Value As An Entrepreneur

51:18 Who Would David Want To Be a Hero To

52:14 Who Would Guy Want To Be a Hero To

Guy: https://www.linkedin.com/in/guyremond/

Dave: https://www.linkedin.com/in/david-zumpano-a0208119a/

Follow Guidr on:

Facebook: https://www.facebook.com/guidr.legal

Instagram: https://www.instagram.com/accounts/login/?next=/guidr.legal/

LinkedIn: https://www.linkedin.com/company/guidr-legal/

Twitter: https://twitter.com/GuidrLegal

YouTube: https://www.youtube.com/channel/UChhBZLky0pllzqCEXU6c-AQ

117. Business Owners Avoid Paying Taxes Legally In Canada

Richard Canfield & Jayson Lowe — Tue, 31 May 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 117: Joining us today is Henry Wong to talk about taxation on your business that may happen after you’re gone. Henry is a professional CPA and trains other CPA’s across Canada specialising in taxation and passing through the nationals exams. He chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. Henry now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:04 Something to Think About as a Business Owner

5:18 Second Death and Income Tax Act in Canada

7:46 What is the Deemed Disposition

11:33 How Can This Affect the Business

15:52 Capital Flow of a Business

19:03 Levels of Taxes and Extracting Tax

22:36 Value of The Business Owner

24:44 Working Together With the CPA

28:38 Estate Planning and Deemed Disposition

37:33 Wind-up and Carry Back

39:48 Pipeline Restructure

44:17 Working With a Good Team

47:08 Succession Planning

50:01 Utilizing Term Insurance

56:17 Need For Insurance

1:01:21 What’s Best For You and Your Business

115. Infinite Banking For Key Employee Benefits In Canada

Richard Canfield & Jayson Lowe — Tue, 17 May 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 115: Today on Wealth Without Baystreet, Richard and Jayson discuss how ensuring a key person or people in your business can be helpful and beneficial in case something happens. Providing a benefit or incentive can be good for both your employee and your business as you never know what will happen.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:10 How Do Large Corporations Utilize This

6:10 Good Businesses find Ways To Keep Employees Happy

10:15 How Long Should The Business Wait To Implement This

13:52 What If They’re Uninsurable?

17:50 Keep Key Employees Safe During Travel

114. Canadian Real Estate Coach Embraces Infinite Banking Concept

Richard Canfield & Jayson Lowe — Tue, 10 May 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 114: Featuring on today’s episode of Wealth Without Baystreet is Elizabeth Kelly, an experienced real estate investor for more than 15 years. Elizabeth has a passion for helping people achieve their financial dreams through the purchase of investment properties. She specializes in the acquisition and management of Rent to Own and multi-unit residential properties. In 2019, she opened ‘Elizabeth Kelly Consulting and Coaching’ to assist both new and experienced investors in planning, structuring and creatively financing their real estate portfolio so they can enjoy early retirement and leave a legacy for their families.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:21 Elizabeth’s Real Estate Investment Journey

5:03 Common Mistakes Made By New Investors

8:18 The Start of EK Consulting

12:17 What is Your Objective as an Investor

16:51 You Need Back-up Plans

22:00 How IBC Can Help You Invest in Real Estate

25:58 Protection Against Inflation

33:43 Is It Too Good To Be True

43:34 Can IBC Replace RRSP

53:21 Who Would Elizabeth Want To Be a Hero To

Instagram: @elizabethkellyconsulting

Facebook: https://www.facebook.com/EKConsulting.ca/

E-Mail: elizabeth@ekconsulting.ca

Website: ekconsulting.ca

113. Building a Financial Steam Engine With Whole Life

Richard Canfield & Jayson Lowe — Tue, 03 May 2022 20:30:00 +0000

Wealth Without Bay Street EPISODE 113: Today on Wealth Without Baystreet, Richard and Jayson talk about an example from Nelson Nash’s book, ‘Becoming Your Own Banker.’ The example of how the steam engine revolutionized transportation and how you can revolutionize your finances with the help of the Infinite Banking Concept.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:36 Watch Out For Future Bootcamps

3:18 Importance of Having a Strong Foundation

5:39 Introducing ‘Becoming Your Own Banker’

12:26 Nelson’s 212° Phenomenon

16:47 Don't Be Afraid to Capitalize

20:30 Paying the Policy Premium

24:01 Be Proactive Not Reactive

112. Real Estate Cash Flow Integrates With Infinite Banking

Richard Canfield & Jayson Lowe — Wed, 27 Apr 2022 19:08:30 +0000

Wealth Without Bay Street EPISODE 112: Featuring on today’s episode of Wealth Without Baystreet is Harper Jones, an advocate for the Infinite Banking Concept (IBC) and a wealth strategist at CreateTailwind. Create Tailwind coach people how to Become Their Own Banker by taking control of the flow of their money. Harper uses his IBC system to invest in real estate and businesses and helps other people interested in the same approach.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:35 Harper’s Journey With IBC and Real Estate

8:09 Helping Educate Others

11:37 Using IBC to Invest in Real Estate

14:39 A Real Life Example

20:19 Reap the Benefits of What You Sow

24:48 You Can Always Capitalize The System More

26:12 Harper’s Guidance For New Comers

29:09 Who Would Martin Want To Be a Hero To

Website: https://createtailwind.com/

Email: harper@createtailwind.com

LinkedIn: https://www.linkedin.com/in/harperajones

111. How Is My Whole Life Policy Cash Value Protected In Canada? Assuris

Richard Canfield & Jayson Lowe — Tue, 19 Apr 2022 05:49:36 +0000

Wealth Without Bay Street EPISODE 111: Today on Wealth Without Baystreet, Richard and Jayson discuss how your whole life insurance policy cash value can be protected in Canada with Assuris. As Richard says Assuris is the insurance company for insurance companies. Join us as we take a look into what they do and how it can help you too.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:28 Policyholder Protections in Canada

3:33 About Assuris

5:53 The Minimum Requirements

8:47 Non-Profit vs. Private Insurance Companies

9:59 LICAT Ratios

13:59 Regulations For Insurance Companies

19:42 Do They Meet Consumer Demand?

21:49 Business Model of an Insurance Company

26:04 Two Masters of Insurance Companies

ASSURIS Protection:http://assuris.ca/

Assuris Funding: https://assuris.ca/about-us/assuris-funding/

Assuris Past uses:https://assuris.ca/about-us/experts-in-protecting-policyholders/

LICAT – Capital Adequecy: https://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/LICAT19_index.aspx

110. Infinite Banking Canada Real Example | A 10 Year Policy Review

Richard Canfield & Jayson Lowe — Tue, 12 Apr 2022 11:00:00 +0000

Wealth Without Bay Street EPISODE 110: On today’s episode of Wealth Without Baystreet, your hosts, Richard Canfieldand Jayson Lowe discuss Infinite Banking Policies and examples from Nelson Nash’s book, Becoming Your Own Banker. Join us as Jayson also review’s a 10 year policy for us.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:22 Don’t Be Afraid to Capitalize

5:01 It’s An Investment For The Family

12:05 Learning With Visual Examples

15:43 Capitalizing Your Policy

22:18 Learn From Someone With Experience

28:41 Banks and Control

31:31 More About Nelson

Nelson Nash Videos Playlist:

https://www.youtube.com/playlist?list=PLabDKeNku_F8aBM-55QoEj4vD9mQC5Hpi

109. Always Learning With The Infinite Banking Concept

Richard Canfield & Jayson Lowe — Tue, 05 Apr 2022 11:52:14 +0000

Wealth Without Bay Street EPISODE #109: Joining us on today’s episode is agricultural expert and part-time farmer, John McArthur, in our Client Series. John learnt about the Infinite Banking Concept and curious to know more about it, got in touch with his coach Vernon McCarty, who has also joined us for this episode. John’s journey about learning to be his own banker has been an amazing one and he shares how it has helped his family and his farm today.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:16 John’s Introduction to IBC

5:35 Gaining Control With IBC

10:01 Process of Learning

12:57 Generational Possibilities

18:19 Investing in the Family and Farm

22:33 A Good Coach Takes You a Long Way

31:44 Having Your Own Bank

37:25 Who Would Want To John Be A Hero To

108. How to Get Your Whole Life Policy Approved

Richard Canfield & Jayson Lowe — Tue, 29 Mar 2022 10:32:07 +0000

Wealth Without Bay Street EPISODE #108: Today on the Wealth Without Baystreet Podcast we discuss the whole life policy and how to get it approved. Many times people do not invest in life insurance as they think that they might not get approved because of pre-existing conditions. Join us today in learning how you can get your whole life policy approved and what it means for you.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:18 Getting Started With an Application

6:01 Rated Version vs. Standard Version

13:49 Find Out If You’re Approvable

24:10 Why This Article Should Bother You

107. Infinite Banking Is Like Real Estate Investing | Martin Kuev

Richard Canfield & Jayson Lowe — Tue, 22 Mar 2022 10:21:51 +0000

Wealth Without Bay Street EPISODE #106: On today’s episode of Wealth Without Bay Street, featured on our client series is Martin Kuev. Martin has worked in executive Marketing and General Management positions for many Leading Fortune 500 companies including Coca-Cola, Kraft Foods, Nestle, Philips, and Dr. Pepper Snapple. With this, a disciplined and fully transparent approach is utilized to analyze opportunities, manage investments, and work with partners. Over the years Martin learnt about real estate investing and has now been doing it for more than ten years. He now manages MK Properties with a team of other professionals.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:09 Starting Real Estate Investment

4:18 More to Real Estate Than You Think!

6:57 Similarities Between IBC and Real Estate Investments

12:47 Getting Started With Real Estate Investing

15:43 Biggest Regrets of Real Estate Investors

19:01 Analyzing Risk and Fear

30:51 Martin’s Advice for Starters

33:45 Who Would Martin Want To Be a Hero To

106. Taxing Homeowners In Canada – CMHC Report Reaction

Richard Canfield & Jayson Lowe — Tue, 15 Mar 2022 09:33:15 +0000

Wealth Without Bay Street EPISODE #106: On today’s episode of Wealth Without Baystreet, Jayson and Richard challenge an article’s view about taxing homeowners in Canada. The Canada Mortgage and Housing Corporation supports the proposal of a surtax on homes valued at $1 million or more. Jayson and Richard talk about how this would hurt the middle class, hard working citizens of the country.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:48 Looking Into The Article

5:20 Digging Deeper Into The Problem

10:02 The Government’s Spending Problem

14:59 Origin of Income Tax in Canada

16:37 Real Estate Values

24:10 Why This Article Should Bother You

BNN Bloomberg Article: https://www.bnnbloomberg.ca/cmhc-backed-report-calls-for-surtax-on-1m-homes-1.1703518?fbclid=IwAR2T9R14BWOfNlHLGCYaUg6tBddcSTfjZLgY678wLsnCKIWSRC8rxGNTa8o

Federal Reserve Money Supply Graph: https://fred.stlouisfed.org/series/M1SL

105. What Is Bitcoin? Bitcoin Prediction 2022

Richard Canfield & Jayson Lowe — Tue, 08 Mar 2022 09:17:38 +0000

Wealth Without Bay Street EPISODE #105: Today on Wealth Without Baystreet have Mike Grantis featured as our very first guest on the crypto series. Mike is the Managing Director of the crypto venture capital firm Contango Digital Assets, as well as a Partner at the web3 incubator, Blockscale Studio. He also owns CryptoWeekly, a multi-channel crypto media platform focused on educating investors and reporting top news in the industry. He is passionate about educating those who are interested in understanding how cryptocurrency works and in 2020, Mike launched Bitcoin 101. Bitcoin 101 is an educational course taken by over 13,000 students spanning 57 countries. Mike has been a guest speaker at multiple crypto summits discussing Bitcoin, NFT’s, Defi and the Metaverse.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:11 What is Crypto and Bitcoin?

8:38 Our Bitcoin Predictions

13:34 Fixed Supply, Rising Value

15:20 Bitcoin Vs. Other Assets

20:02 Bitcoin 101

30:22 Exploring Ethereum

35:50 The Deal About NFTs

44:17 Flexibility of NFTs

48:08 Who Would Mike Want To Be a Hero To

104. The Problem With Registered Retirement Plans | Bryan Bloom, CPA

Richard Canfield & Jayson Lowe — Tue, 01 Mar 2022 10:22:11 +0000

Wealth Without Bay Street EPISODE #104: Today on Wealth Without Baystreet, we are pleased to have Bryan S. Bloom. Bryan has been a CPA for more than 35 years, throughout those years he was involved in income tax returns as well as planning a retirement. His experience in planning retirement comes from helping individuals practically plan their retirement over the past 15 years. Bryan has also authored five books, the series Confessions of a CPA, which reveals why what he was taught to be true as a CPA turned out not to be true. He says, “We have no chance of success if we follow what we are taught in academia, traditional planning, and the popular media.”

Bryan and his wife, Pam celebrate 40 years of marriage together and have two daughters and four grandchildren. For Bryan, retirement is enjoying the joy of his life and sharing it with people around the country some of the financial realities in life that differ greatly from what we have all been taught to believe.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

4:40 Confessions of a CPA

7:17 To Pay Taxes on the Harvest or the Seed?

13:19 How to Have a Conversation With a CPA

17:46 The Original Insurance Concept

21:54 Learn and Work With Experienced People

30:34 Employer Retirement Plan

40:52 Policy Loans From Life Insurance Contracts

48:52 Who Would Bryan Want To Be a Hero To

103. Connecting Game-Changing Visionaries | Justin Breen Founder of BrEpic

Richard Canfield & Jayson Lowe — Tue, 22 Feb 2022 09:00:00 +0000

Wealth Without Bay Street EPISODE #103: Today on Wealth Without Baystreet, we have Justin Breen featuring on the Entrepreneurship series. Justin is the founder and CEO of BrEpic Communications LLC, a PR firm that works exclusively with visionaries and exceptional businesses around the world. He has won dozens of editing and writing awards and is an author of countless viral stories. Justin is hard-wired to seek out and create viral, thought-provoking stories that the media craves, and he finds the best stories when he networks with visionary entrepreneurs and executives who understand the value of investing in themselves and their businesses. He has built an international network of extraordinary people and believes strongly in the power of introductions and creating important relationships through those introductions.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:56 Building a Better Future for the Next Generation

7:09 The Kolbe A Index

13:04 Finding the Right Business Partner

16:22 Power of Communication and Social Media

22:18 Making the Right Connections

26:53 Justin’s Inspiration to Write

42:06 Who Would Justin Want to be a Hero to

102. School Teacher Becomes Financial Freedom Fighter

Richard Canfield & Jayson Lowe — Tue, 15 Feb 2022 09:06:45 +0000

Wealth Without Bay Street EPISODE #102: Today on Wealth Without Baystreet, we have Dan McMullen featuring on the client series. Dan is a high school teacher in Markham, Ontario. He has been investing in real estate since 2019 and currently holds 3 properties in the portfolio. Student Rentals and Duplexes have been the main strategy thus far in his real estate holdings. In 2019 he was introduced to IBC and was given Nelson Nash’s book ‘Becoming Your Own Banker’ by his coach Peter Lount, who is also featured on this episode. Since this time, he has quickly created a system of policies that are working towards a better financial future for his family. Dan has a strong desire to continue his journey of creating more passive income and contributes his current success to many factors that include, establishing a growth mindset, creating a power team of like-minded investors and taking action when opportunities arise.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:58 Real Estate to IBC Pipeline

6:18 Why Dan Chose IBC

9:04 Dan’s Journey With IBC

14:56 Having the Right Coach

21:00 Benefits of IBC

30:42 Living an Intentional and Secure Life

39:31 Who Would Dan Want to be a Hero to

101. What is Your Happiness Portfolio? Retire Happy With Purpose | Susan Latremoille

Richard Canfield & Jayson Lowe — Tue, 08 Feb 2022 10:01:20 +0000

Susan Latremoille has been a wealth advisor for over 35 years. Susan assisted her clients to financially plan for their retirements and managing their investments. She saw a common thread among her clients. Having enough money to retire was only a piece of the retirement puzzle. It was the non-financial side that had the greatest impact on the predictability of a successful retirement.

Susan is a Co-Founder and Partner in Next Chapter Lifestyle Advisors. She is a Family Enterprise Advisor, FEA, (Family Enterprise Exchange), and holds an Executive MBA. She is also a certified Retirement Coach (CPRC) and an Expert Level SuccessFinder Practitioner. Susan is the author of The RichLife – Managing Wealth and Purpose, It’s Not Just about the Money – The Whole Life Approach to Wealth Management, and co-author of On the Shoulders of Atlas- a Story about Transitioning a Family Owned Business and co-author – Thriving Throughout Your Retirement Transition. She is a world traveller, mom, grandmother, certified yoga teacher, and enjoys her time as a roof-top gardener as well.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:00 Susan’s Inspiration

9:04 Managing Wealth and Purpose

15:59 Next Chapter Lifestyle Game Plan

21:29 Relationships and Retirement

25:25 Learning New Skills

28:21 Health and Longevity

34:50 Long term Goals and Retirement Objectives

41:37 Who Would Susan Be a Hero To

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

100. Taxation of Policy Loans In Canada – Infinite Banking Concept

Richard Canfield & Jayson Lowe — Tue, 01 Feb 2022 09:22:34 +0000

EPISODE 100! Today is a milestone for all of us at Wealth Without Bay Street and Ascendant Financial. 100 podcast episodes released of the Wealth Without Bay Street. Thank you to all of our listeners who have journeyed with us and we hope that you have gotten value from our show as you walk on the path of Becoming Your Own Banker.

In this episode, we talk about the taxation of policy loans in Canada. It is important to know your whole life insurance policy and how you can have a guaranteed loan provision through your policy. Learn about the Adjusted Cost Basis of your policies and the Net Cost of Pure Insurance, which can cause problems for you down the road.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:38 Knowing Your Policy

3:07 Adjusted Cost Basis

6:44 What is NCPI

11:41 Relationship Between NCPI and ACB

14:50 Forfeiting the Policy

16:33 Withdrawing the Policy

18:18 Materializing Death Benefits

21:06 Collateral for Loans

25:29 Do Not Do Business With Banks

31:41 Dynamic Capital Adequacy Testing

38:08 More About Policy Loans

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

99. The Great One, How do you pursue Greatness like Gretzky

Richard Canfield & Jayson Lowe — Tue, 25 Jan 2022 09:33:14 +0000

Episode 99. In this episode of Wealth Without Bay Street, we take a look into legends like Wayne Gretzky and what makes them great. Hard work, commitment and potential are some of the things we all have but it’s how we utilize them that sets us apart. Join us as we talk about how you can set and achieve your goals and dreams and how you can start your journey of greatness.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:39 Recognizing Potential

3:27 Talent vs. Hard Work

7:36 Surroundings and Environment Matter

12:17 Have a Goal and a Dream

20:43 Measuring Your Goals

24:48 Accountability With Your Goals

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

98. Why You Suck at Selling Your Business – Jeffery Feldberg

Richard Canfield & Jayson Lowe — Tue, 18 Jan 2022 09:00:10 +0000

This week’s episode in the entrepreneurship series features Jeffrey Feldberg, Co-Founder and CEO of Deep Wealth. After graduating from his MBA program, Jeffrey launched his first company, Embanet. As an industry leader, Embanet created a market disruption in higher education. Jeffrey's mission now is to help you capture the maximum value in your liquidity event. Through Deep Wealth Experience, you can master the same 9-step road map that Jeffrey created for his 9-figure exit. For Jeffrey, business owners are dreamers and change-makers who put everything on the line and win against all the odds. His passion lies in helping business owners achieve their goals and dreams.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:10 More About Deep Wealth

4:33 Waiting For the Right Offer

8:13 Maximizing the Liquidity Value

14:58 Life After the Liquidity Event

21:42 Deal Breakers and Deal Closers

30:05 Who Would Jeffery Be a Hero To

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

97. Grow Your Business Really Big With Coaching – Jon Dwoskin

Richard Canfield & Jayson Lowe — Tue, 11 Jan 2022 09:24:54 +0000

Featuring on this week’s series about entrepreneurship is Jon Dwoskin, an executive advisor, business coach, founder and CEO of the Jon Dwoskin Experience. Having been through his own share of ups and downs in life and in business, Jon is able to help people with theirs. As Jon says, “I grow businesses big, very big.” You can join today’s episode to learn how he does it and how his journey has been. Jon claims he has been able to be the amazing coach he is to people because of the great coaching he himself has received. He takes great pride in his businesses and is always willing to help you get unstuck and grow your business very big!

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:41 Star of Jon’s Business Ventures

5:22 Patterns in Business Owners That Get Stuck

10:33 Jon’s Ideal Clients to Work With

13:36 Why You Need a Coach

19:54 Value of Coaching

25:59 Thinking Bigger

30:34 Jon’s Battle with Cancer

40:05 Who Would Jon Be a Hero To

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

96. Seven Myths of Life Insurance Lending in Canada

Richard Canfield & Jayson Lowe — Tue, 04 Jan 2022 09:01:04 +0000

What are the myths of insurance lending in Canada? Jayson Lowe and Richard Canfield discuss an article from a Bank that tries to dispel 7 myths of insurance lending in Canada.

Many Canadians do not know that cash value policies are often lent on by 3rd party banks. It's actually the most popular way Canadians have been getting access to their collateral is from commercial banks.

Banks want you to borrow from them. It is that simple. They will do everything in their power to market their loan products to you so they can collect as much interest volume in the form of cash flow payments coming back to their institution. They even have special departments that focus their energy on unique cash surrender value lending products.

In this episode, Richard Canfield and Jayson Lowe ask you to think about the reasons why banks want to lend against these powerful contracts.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:54 Myth #1: Wealthy People Don’t Need To Borrow Money

6:56 Myth #2: Insurance Lending Is Expensive

11:19: Myth #3: Clients Have To Take On More Debt

19:35: Myth #4: Insurance Lending Is Risky

24:20: Myth #5: Clients Must Go To The Insurance Company For A Policy Loan

26:46 Myth #6: Insurance Lending Suits Only Affluent Clients And Business Owners

29:42 Myth #7: Clients Don't Have To Qualify For A Loan

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

95. Family Banking With Purpose – Chris Bay IBC Coach

Richard Canfield & Jayson Lowe — Mon, 27 Dec 2021 21:30:00 +0000

This episode of Wealth Without Baystreet features Chris Bay, an Infinite Banking Coach at Life, Success and Legacy. He is the Author of ‘Family Banking with Purpose: A Story About Financial Freedom Through Infinite Banking’. Applying his twenty-two years in education and his leadership background as a principal, Chris gains great satisfaction in helping others understand how to apply IBC in their own lives. He became an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute. Chris lives in Lawrence, Kansas, with his wife, Shawn, their two daughters, Lily and Addie, two cats, three chickens, and one old dog who puts up with the rest.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

5:17 Chris’ Inspiration for His Book

8:42 What to Take Away From Chris’ Book

15:02 Power of Family Banking

21:20 Changing Your Wind Current

25:50 Education the Next Generation on Infinite Banking

28:29 A Fond Moment with Nelson

37:12 Who Would Chris Want to be a Hero to

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

94. The Tuttle Twins Fight for Liberty – Connor Boyack

Richard Canfield & Jayson Lowe — Tue, 21 Dec 2021 09:08:37 +0000

Featuring on today’s episode of Wealth Without Baystreet, Connor Boyack is the founder and president of Libertas Institute, an award-winning free-market think tank. Named one of Utah's most politically influential people by The Salt Lake Tribune, Connor's leadership has led to dozens of significant legislative victories spanning a wide range of areas such as privacy, government transparency, property rights, drug policy, education, personal freedom, and more. He is a public speaker and author of 30 books and Connor is best known for The Tuttle Twins books, a children’s series introducing young readers to economic, political, and civic principles. Connor lives near Salt Lake City, Utah, with his wife and two homeschooled children.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:08 Connor’s Inspiration

4:52 Tuttle Twins Under Attack

9:37 Monetizing Your Haters

12:49 Taking a Stand

17:40 How Did Tuttle Twins Start

23:07 Being Politically Aware

33:51 Education Our Children Right

40:07 Who Would Connor Want to be a Hero to

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

93. FIRE – Financial Independence Retire Early – Cody Yeh – Client Series

Richard Canfield & Jayson Lowe — Tue, 14 Dec 2021 10:26:27 +0000

In today’s episode of Wealth Without Baystreet, we have Cody Yeh featuring on the client series. Cody is a first-generation immigrant from Taiwan who came to Canada at the age of 18, went to university as an engineer, got a white-collar job but wasn’t satisfied with it. Over the past 11 years, he transitioned from being a student to a full-time project manager to a financial coach, real estate investor, and stock options investor. Cody is now building an empire to help out more people to reach financial independence just as he did.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:23 Cody’s Introduction to IBC

8:25 Thinking Long Term

11:57 Transitioning From Being a Student to Being Financially Independent

17:02 Cody’s Experience with Option Trading

20:12 What’s the Right Time to Invest?

38:25 Investments in the Long Term

37:55 Becoming Your Own Banker

40:48 Who Would Cody Want to be a Hero to

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

92. Financial Independence In The 21st Century – Dwayne Burnell

Richard Canfield & Jayson Lowe — Tue, 07 Dec 2021 09:20:52 +0000

This episode of Wealth Without Baystreet features Dwayne Burnell, a Fiduciary and Wealth Strategist. Dwayne is also the author of two best-selling books on personal finance. He empowers individuals, families, and business owners to take control of their financial future. He has helped clients across the country—many of them referrals—achieve the security and peace of mind they've always wanted but didn't know how to get. Financial education and empowerment form the cornerstone of Dwayne's approach. Working in close partnership with each client, Dwayne crafts a comprehensive financial strategy that focuses on the core needs, values, and financial concerns of each client. Dwayne works to ensure your money and financial savings grow by building a customized financial strategy that provides financial growth while protecting your money from loss. Dwayne received his MBA from the University of Tennessee and his BBA from the University of Oklahoma. Dwayne is a licensed practitioner in over 40 states and welcomes new clients from anywhere in the country.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:49 ‘Financial Peace of Mind’ and ‘Financial Independence in the 21st Century

9:46 Greatest Gift You Can Give Your Children

16:56 Saving vs. Investing

17:24 Having Access to Money

27:56 Power of Life Insurance

35:01 Choosing the Right Agent

38:02 Who Would Dwayne Want to be a Hero to

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

91. How To Heal From Trauma And Move On With Maximum Control -Shalev Amar

Richard Canfield & Jayson Lowe — Tue, 30 Nov 2021 09:12:42 +0000

On today’s episode of Wealth Without Baystreet, Shalev Amar joins us to share about his experience with trauma and how he has learned to overcome it. Shalev has been an attorney for 17 years and has spent thousands of hours over the last 9 years studying trauma, psychology, and emotional healing methods. He’s passionate about this topic because he and his family have suffered through generational cycles of trauma and he is committed to breaking that cycle. His mission is to teach people how to overcome their trauma so that they don't suffer and pass it on. The next step in Shalev’s life after he transitions from the practice of law is to teach people how to process, release, and heal trauma full time, but for now he wants to share the methods he has learned with others.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:59 Shalev’s Journey with Trauma

10:15 Generational Trauma and Masculinity

17:31 Monetary Issues and Trauma

23:00 Three Types of People

26:08 Why We Need to Set Boundaries

29:34 Have Someone Help You

34:05 Getting Better

40:34 Looking Back at Your Childhood Can Help

50:52 Who Would Shalev Want to be a Hero to

Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

90. CPA Loves Infinite Banking In Canada – Henry Wong

Richard Canfield & Jayson Lowe — Tue, 23 Nov 2021 09:25:53 +0000

On today’s episode of the advisors series, Henry Wong joins us to talk about his experience as an Infinite Banking practitioner and advisor coming from an accounting background. Henry is a professional CPA and trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. He chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. Henry now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:45 Henry’s life before discovering IBC

10:37 The process of becoming your own banker

13:47 Picking up the Becoming Your Own Banker book

16:43 How Henry became and IBC practitioner

21:45 The potential of CPA’s and accountants adopting IBC

24:35 What energizes Henry while working with clients

35:06 Who Henry would like to be a hero to

89. Debt Freedom by Becoming Your Own Banker – Client Series – Recas Forbes

Richard Canfield & Jayson Lowe — Tue, 16 Nov 2021 09:00:00 +0000

CLIENT SERIES. In today’s episode of Wealth Without Baystreet, we have Recas Forbes featuring on the client series. Recas has lived with his wife and two kids in Calgary for the past two years. For many decades, they lived in debt, burning through their savings to pay it off. Since he started practicing IBC three years ago, Recas and his wife have been able to pay off most of the bills that were due and are able to create special memories by travelling together as a family, something that was only a dream before. What Recas most loves about IBC is that it is such an easy, stress-free way of life that has been able to liberate them and allow them to approach retirement and support their children without having to worry about it.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

6:37 Recas’ experience through the process of becoming your own banker

10:29 Freedom to create memories as a family

16:08 IBC is too good to be true – but it is all true

18:15 Implementing IBC for his wife and kids

21:14 The ease of bill payments through policy loans

25:49 The rate of return on a peaceful stress-free life

32:37 The joy of firing your bankers

38:15 Who Recas would like to be a hero to

Want to know the seven simple steps for becoming your own banker? Visit – https://wealthwithoutbaystreet.com/7steps/

88. The Infinite Wisdom of R. Nelson Nash – Becoming Your Own Banker

Richard Canfield & Jayson Lowe — Tue, 09 Nov 2021 09:18:42 +0000

A special Tribute episode number 88. Today we celebrate the life and legacy of the late R. Nelson Nash (1931 – 2019), the father and founder of the Infinite Banking Concept and author of the book “Becoming Your Own Banker”. Nelson has impacted the lives of thousands of people within the IBC community and continues to do so. He used every moment as an opportunity to continuously learn and champion this message. Nelson passed away at the age of 88, if you turn the 8 over on its side, it represents the infinite sign. The Wealth Without Bay Street Podcast and all that we do through our work would not be possible if it were not for Nelson Nash. We are forever grateful for his life and record this episode to reflect and reminisce on the special memories we have shared with him over the years.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:53 The significance of 88

4:21 The impact of the Nelson Nash documentary

5:58 Leaving a legacy that matters

8:15 Memories from the think tank conference

11:46 How Nelson delivered his seminars

14:59 Recording the documentary

18:57 The generations of Becoming Your Own Banker book editions

22:48 Paying our final respects to Nelson Nash

23:54 What would Nelson do?

28:03 Resources to learn about IBC and Nelson’s life

33:43 The historical growth of Nelson’s policies

37:27 Special memories of Nelson with Richard and Jayson

Nelson Nash At the Freedom Advisors Live Event: https://www.youtube.com/watch?v=ILkaBcWO_k0

87. Capital on Demand using The Infinite Banking Concept – Client Series – Curtis Arnold

Richard Canfield & Jayson Lowe — Tue, 02 Nov 2021 12:26:33 +0000

CLIENT SERIES Epsiode:

On today’s episode of the Client Series, Curtis Arnold is a celebrated Mortgage broker and real estate investor for almost 20 years based out of Calgary, Alberta. He is currently a mortgage specialist with Quantus Mortgage Solutions. Discovering IBC has helped Curtis build a steady and accessible capital pool that has helped him diversify his portfolio from real estate to a range of investments as well as ensure that each of his holdings is sustainable and within control. He recently started taking a course on “Land Development As A Profitable Investment” and started a company in April, already profiting on a Land Development Deal. He grew up on a farm in Sask and is the father of 3 lovely daughters and married to his beautiful wife for 11 years this year.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:08 The role of IBC in real estate investing

3:30 The power of capital on demand

6:37 Going through the cycles of the market

10:40 Understanding the value of insurance

21:05 Getting into the real estate business

29:32 When partnerships don’t go well

33:13 Advice to IBC seekers and skeptics

34:33 Who Curtis would like to be a hero to

86. Real Estate Investor for 30 years turns Life Coach – Gina Yarrish

Richard Canfield & Jayson Lowe — Tue, 26 Oct 2021 09:05:33 +0000

Gina Yarrish helps business owners and entrepreneurs get over the fears of selling, self-sabotage and reluctance so they can easily double and triple revenue all with a 1200-pound package. She is the founder and CEO of Yarcot with a 30-year career leading her million-dollar real estate business to where she is today. She has spent the past two decades studying human behavior, selling tactics and stress. She is the author of the #1 Best Selling Book – Harness Your Purpose, Power and Peace. The bottom line: Gina believes peace, happiness and health comes from within and unless you’re conditioning your thinking then you get what life offers instead of what you deserve. Her gift of breaking down emotional barriers to selling from the heart, having healthy conversation and stimulating the growth and economy. Through her contagious, positive and uplifting energy Gina will leave you inspired and motivated and hungry for more.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:54 What inspired Gina to write her bestselling book

10:26 The key message behind “Harness Your Purpose, Power and Peace”

12:59 Understanding life coaching through working with horses

19:30 Quieting the mind and the mouth

24:37 Tips on real estate investing

33:24 Creating pitches that attracts leads and referrals

40:21 Who Gina wants to be a hero to

85. Infinite Banking Canada | Cashflow Canucks Unite – Peter Lount

Richard Canfield & Jayson Lowe — Tue, 19 Oct 2021 09:05:11 +0000

In this episode of the advisor series, Peter Lount is a licensed IBC practitioner and advisor with Ascendant Financial since 2019. He helps households and businesses to focus on their goals and passions by eliminating concerns about money through coaching people on how to control the banking function in their life. He got into IBC because he wasn't happy with his job and financial strategy and was seeking more freedom and control in both areas, leaving the traditional method to find something better. With a voracious appetite to seek and learn, he was led to IBC and the Ascendant team, practicing it on his own life for a couple of years before deciding to make the shift to becoming an advisor.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:10 How Peter got started with practising IBC

5:58 Investing in learning and personal development

8:41 IBC Think Tank conference

11:46 The more you see you didn’t see

14:42 Advice to people considering IBC

16:45 Peter’s biggest learning takeaway from Nelson Nash’s book

19:59 The impact of R. Nelson Nash

23:32 Who Peter wants to be a hero to

84. The Pirates of Manhattan: Barry James Dykes The Economic Warrior

Richard Canfield & Jayson Lowe — Tue, 12 Oct 2021 09:12:24 +0000

The Pirates of Manhattan author Barry James Dyke is The Economic Warrior, with his epic research into the darkest reaches of the banking industry and private equity firms. Barry has been at the forefront of exposing the banking truths that are happening behind the scenes as massive amounts of capital flow through the largest investment and commercial banks and private equity firms. Government Printing and spending, fractional reserve lending, and large pension funds taking over major insurance companies so they have access to liquidity and much more is discussed in this episode.

This bestselling author of 3 books and featured in a documentary film to be released in October 2021 has much to say about the safest place in the world to stockpile your capital, and how to protect and preserve what you have spent a lifetime working for.

Access Barry's Books in Canada here: https://shop.ascendantfinancial.ca/shop/?LeadSourceId=427

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:34 Sharing the message of IBC along with Nelson

8:08 Insights from the “Guaranteed Income” book

10:10 Bank owned life insurance

17:19 Regulated and secure investing by Life Insurance Companies

23:01 SPACs Companies

28:19 Don’t leave your retirement fund at risk

30:20 Only invest in financial products that you know about. Educate yourself on it.

35:25 The Pirates of Manhattan book

40:01 Heading into a financial crisis

45:11 Insights from Barry’s recent research

54:59 The Economic Warrior show

1:02:24 Who Barry wants to be a hero to

83. Are you too old to Become Your Own Banker? – Dan Allen

Richard Canfield & Jayson Lowe — Tue, 05 Oct 2021 08:57:33 +0000

On today’s episode of the Advisory Series, we have Alberta-based Ascendant Financial advisor, Dan Allen. Dan is a wealth specialist and an independent insurance broker. As an Authorized Infinite Banking Practitioner he has expertise in working with professionals, business owners, and farmers, with a strong focus on helping them transform their financial future and achieve their financial goals with his unique approach tailored towards the journey of Individuals and business owners. His expertise lies in understanding your unique situations, goals and finding opportunities and solutions that solve multiple problems through the use of the Infinite Banking Concept, including how to control the banking function and how to identify primary risks in retirement and avoid market downturns while protecting their life savings.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:58 How Dan became his own banker and a authorized practitioner

6:17 Starting a new career and life through IBC

12:26 Becoming my own banker in my 50s

15:31 The joy of helping people through IBC

17:48 Listening to Nelson’s last presentation on IBC

19:46 Dan’s recommendation to those who are considering becoming their own banker

25:08 It’s never too late to start practicing IBC

28:23 Who Dan wants to be a hero to

81. Capital Dividend Account for Canadian Business Owners – Tax Free Legacy

Richard Canfield & Jayson Lowe — Tue, 21 Sep 2021 09:20:02 +0000

The Capital Dividend Account For Canadian Businesses is a huge Tax Advantage Secret in Canada!

Can you stockpile capital inside of a Canadian Controlled Private Corporation (CCPC) and then exit it tax-free? The answer is yes, it's all in the strategy you use to make it happen. Your corporation pays for it, and you get to use it, more importantly, it can pass on a legacy far greater than just life insurance. It can allow you to extract critical assets and maximize the value to your estate.

Richard Canfield and Jayson Lowe of Ascendant Financial discuss the Corporate Insured Retirement Plan and the key advantage of the Capital Dividend Account.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:30 Case study example of a corporate account

10:26 Tax free withdrawals from your policy account value

16:58 Exercising your capital dividend account credit

20:44 Working with an experienced advisor and team

26:38 Understanding where to reside your wealth and company resources

80. How To Outrank On Google SEO With Damon Burton

Richard Canfield & Jayson Lowe — Tue, 14 Sep 2021 10:27:45 +0000

Have you ever wondered how companies get their websites right at the top of a Google Search Engine? Over a decade ago, Damon Burton beat a billion dollar company by outranking their website on Google. Since then, he has gone on to build an international search engine marketing company that has worked with NBA teams, and Inc 5000 & Shark Tank featured businesses. In the decade of running a global team, he’s never met any of his team in person. Burton can speak on how to manage a remote team, as well as how he approaches dedicating time to family and balancing it all. Since founding his company SEO National in 2007, he writes for Forbes, has been featured in publications including Entrepreneur Magazine, BuzzFeed and USA Weekly, and has helped high-profile clients make more in a month than they used to in a year.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:43 What inspired Damon to write “Outrank”

4:18 The evolution of SEO

9:15 Are large companies buying into digital marketing

12:46 The difference between SEO and Paid Ads

23:01 Insights for running a company with a remote team

28:44 Strategic posting time to further your LinkedIn engagement

30:44 Community support by Damon Burton

39:20 Getting featured on Forbes magazine

43:54 How to decide whether an SEO company is good

46:46 How Damon got into giving back and community work

79. Winnipeg Infinite Banking Coach Discovers Growth and Liquidity

Richard Canfield & Jayson Lowe — Tue, 07 Sep 2021 09:58:04 +0000

On today’s episode of the advisor series, Roman Pushkar joins to talk about his journey with IBC after migrating to Canada from Russia. Roman worked in banking and insurance for over a decade in Moscow before discovering IBC in Canada. The main dilemma that he faced as a banking and insurance advisor was the tradeoff between financial growth and liquidity, not realizing that the answer was before his very eyes in whole life policies. Roman is now an IBC practitioner in Winnipeg and on team at Ascendant financial as an advisor. He loves working with people and helping them discover, understand and embrace a straight way to regain control of their finances through the Infinite Banking Concept. Right from the beginning, Roman adopted IBC for all his children and is teaching them early on how to become their own bankers. When he is not working, Roman enjoys spending quality time with his wife and seven children, going out camping and fishing.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:28 How Roman got introduced to the Infinite Banking process

9:46 How Roman has personally implemented IBC as an advisor

15:54 Your children see the passion and mindset that you practice

19:12 Managing finances and practicing IBC with international exposure

26:21 Advocating IBC among international communities in Canada

30:27 The mindsets needed for practising IBC

32:29 Who Roman wants to be a hero to

78. Real Estate Investor Lawyer Loves Infinite Banking – Shawn Quigg – Client Series

Richard Canfield & Jayson Lowe — Tue, 31 Aug 2021 09:16:01 +0000

CLIENT SERIES EPISODE:

We are back with the Client Series on this week's episode. Shawn Quiggs is an Ontario real estate investor lawyer and infinite banking practitioner living in Toronto who comes from humble beginnings in small town Ontario. Prior to his career as a lawyer, he worked for the federal government in immigration enforcement which is where he began to question how his life was taking shape. From there, he moved to Windsor, Ontario for law school where he accidentally started investing in real estate, added a master of business administration, and eventually landed in Toronto for a short but sweet Bay Street law gig, finally transitioning into his role at Carson Law helping Ontario real estate investors do cool things and generate wealth. Shawn’s partner Amber – also an IBC practitioner – and their puppy Pluto live in the lively High Park area of Toronto and can be found hiking in the park or at the dog park.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:37 How Shawn found IBC from real estate investing

5:46 Applying IBC into real estate business

8:41 Shawn’s experience with Infinite Banking so far

12:06 Shawn’s advice to people contemplating IBC

13:38 Optimum mindsets for Sarbloh to mentor

17:06 IBC is meant to be a way of life

18:30 The importance of learning and access to resources

21:09 How Shawn expanded his IBC system

23:29 The simplicity of managing policy payments

29:33 Shawn’s experience connecting with the IBC community

42:26 Who Shawn wants to be a hero to

77. Seller Financing Your Business – David Barnett

Richard Canfield & Jayson Lowe — Tue, 24 Aug 2021 08:48:46 +0000

David Barnett loves to say that it took him 10 years to unlearn what he was taught in business school. University had trained him to be a middle-manager in big enterprises, he was totally unprepared for the realities of small business. After a career in advertising sales, Barnett started several businesses including a commercial debt brokerage house. Helping to finance small and medium sized businesses led to the field of business brokerage. Over several years, Barnett sold dozens of businesses for others while also managing his own portfolio of income properties and starting his career as a local private investor. Barnett regularly consults with professionals and banks on business and asset values. Presently he also works with entrepreneurs and would-be entrepreneurs around the world who are buying, selling or trying to improve their businesses.

FREE E-BOOK GIVEAWAY: https://dbarnett.gumroad.com/l/21stup…

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:23 How David got on the journey of helping entrepreneurs

12:25 Positioning a business to be attractive for buying

15:57 Top 5 reasons why business go for sale

19:30 Mistakes that sellers often make

23:46 The “dream” of selling a small business for $1 million

25:07 Development of small businesses in Canada

30:03 Understanding the terms of sale

37:07 The role that insurance plays in business and transferability

45:10 Who David wants to be a hero to

76. Infinite Banking Concept Is A Way Of Life | David Stearns

Richard Canfield & Jayson Lowe — Tue, 17 Aug 2021 09:03:09 +0000

David Stearns is Nelson Nash's son-in-law. In 2004, David was brought on by Nelson to help with the administrative side of Infinite Banking Concepts, and went on to lead the company to continue the IBC legacy. David oversees the distribution of Becoming Your Own Banker and Infinite Banking Concept materials working to spread the message of becoming your own banker and educating audiences on how they can start practicing IBC. David has been the director of the Nelson Nash Institute since the formation of the Institute in 2013. He retired from the U.S. Army as a Lieutenant Colonel after serving for 27 years, first as a field artillery officer, then as an Army aviator. He is married to Kimberly Nash Stearns and has four children and eight grandchildren, living in Birmingham, Alabama.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:28 Launching “This Is Nelson Nash” film

8:01 How David Stearns understood IBC for the first time

11:26 About the Nelson Nash Institute

15:40 The growth of IBC advisors and practitioners through 2020

30:48 Understanding the importance of policy design

33:36 Sharing IBC with family members

42:43 Developing a system of policies

50:23 Who David would like to be a hero to

75. Wealth Coach Improves Financial Health With #IBC

Richard Canfield & Jayson Lowe — Tue, 10 Aug 2021 09:23:39 +0000

Back on the Wealth Without Bay Street’s Advisor series, Liz Lamond is an advisor with Ascendant Financial. She discovered IBC after investing in real estate through mortgages for many years and discovered a better way of managing the banking function in her life. Since then, she now helps her clients reduce the financial stress in their lives by guiding and coaching them through the infinite banking process. Getting to help people with a solution that works for their personal and business lives and makes a difference to their long-term planning and provides for their family's needs now and in the future. Liz came to IBC from the healthcare industry and now coaches her clients back to financial health.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:06 How Liz discovered IBC and her journey implementing it

7:38 The optimal mindset of clients that Liz loves to work with

10:22 What inspires Liz the most about IBC

13:37 The connection between financial frustration leading to freedom in IBC

17:56 Liz’s advice to potential IBC Advisors

19:52 The importance of being a learner through the IBC process

24:15 Who Liz wants to be a hero to

74. Million Dollar Retirement From Two Methods – Infinite Banking Vs RRSP

Richard Canfield & Jayson Lowe — Tue, 03 Aug 2021 10:39:31 +0000

Would you like to retire with a million dollars saved up? Everybody has to have their savings and money reside somewhere. In today’s episode, we talk about the difference between a Whole Life Policy as compared to an RRSP for storing your million-dollar retirement. One of the things many Canadian citizens do not take into account is the tax dues, lack of control, and risk of market downturns that can adversely affect your retirement fund and become a major pain point for a person once they have retired.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:56 Retirement with a million dollars in an RRSP vs a Whole Life Insurance

9:56 The power of financial control with a tax-free account

16:37 Going into business with Revenue Canada

19:25 Canadian’s are tired of being overtaxed

21:38 Market dips in RRSP accounts

73. Sales Jiu Jitsu: Black Belt Strategies To Double Conversions – Elliot Bayev & Daniel Moskowitz

Richard Canfield & Jayson Lowe — Tue, 27 Jul 2021 09:15:36 +0000

Do you want to learn the strategy to exponentially boost your sales? Elliott Bayev and Daniel Moskowitz take a combined 50 years experience in Brazilian Jiu-Jitsu and building 8-figure sales teams and bottle it up inside a powerful new International Bestselling book: Sales Jiu-Jitsu – The Secret Black Belt System for Champion Leaders. Elliott Bayev is a second degree black belt and has more than thirty years of martial arts experience with twenty-four in Brazilian Jiu-Jitsu. Daniel Moskowitz has been in sales for twenty-five years. Daniel currently serves as the director of sales at Advance Your Reach, which he helped grow into an eight-figure, privately-held company.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

3:02 About the Sales Jiu Jitsu Book

5:07 How to be a Champion Leader

11:09 The before and after Sales Jiu Jitsu

14:48 Pre fight strategy insights

20:40 How to win the fight

43:40 How to future cast and cement your win

72. From Engineer to Authorized Infinite Banker – Sarbloh Gill

Richard Canfield & Jayson Lowe — Tue, 20 Jul 2021 09:58:13 +0000

Back on the Wealth Without Bay Street’s Advisor series, Sarbloh Gill is an advisor with Ascendant Financial. He was introduced to Jayson Lowe by a placement agency based in 2015 and was introduced to the book “Becoming your own banker – unlocking the infinite banking concept by Nelson Nash”. Six years later, Sarbloh is now an Infinite Banking Coach with expertise in implementing the process of becoming your own banker to help Canadians obtain the objective of paying off debt while creating wealth at the same time. He takes pride in coaching new advisors joining the Ascendant team as well.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:57 How Sarbloh discovered IBC

9:18 Sabloh meeting Jayson Lowe and joining Ascendant Financial

14:39 The optimal mindset of clients Sarbloh loves to work with

17:27 The impact of adopting IBC into your family and life

19:18 Sarbloh’s stories with Nelson Nash

23:00 Helping people discover the key problem

25:30 How Sarbloh loves serving his clients

27:51 How the Wealth Without Bay Street Podcast has helped many people gain knowledge and practice IBC

71. The Infinite Banking Concept Coach – Why do you need a coach?

Richard Canfield & Jayson Lowe — Tue, 13 Jul 2021 09:21:16 +0000

On today’s episode, Jayson Lowe and Richard Canfield talk about the importance of coaching while practicing IBC. The advisors at Ascendant Financial are passionate about coaching their clients through the IBC process. A new portal on the Ascendant Financial website has been launched to help clients learn and practice the process of Becoming Your Own Banker. With anytime, anywhere access, you can watch masterclasses, read client success stories and access a vault of valuable training and information on how to practice IBC.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

4:33 Ascendant’s client online portal

7:33 The advantage of resources and support readily available

10:00 Practicing and planning IBC with your family long term

16:17 Having a coach to guide you through the IBC process

21:55 Visit https://dayofnelson.com/day to learn insight and wisdom from R. Nelson Nash

25:00 De-noise the financial noise around you

70. The Tax Savings Bible with Mr. Taxes – Robert Stone

Richard Canfield & Jayson Lowe — Tue, 06 Jul 2021 10:17:49 +0000

Are you paying too much tax? On today’s episode, we have the founder, president and CEO of MrTaxes.ca Inc. Robert Stone has been an income tax professional since 1983. Roberts career began in 1983 while still in high school where he was paid to complete his first tax returns for friends and family. Since then, Robert has formed www.MrTaxes.ca which is a Canadian based federal franchised accounting office which specializes in personal and corporate tax and includes other financial services such as financial planning, insurance, investments, mortgages and real estate. Robert has been a national presenter for www.CCH.ca, was a founding contributor for www.CTPCanada.ca, opened 42 tax service locations by 2015 and is currently leading the franchising efforts of MrTaxes.ca Franchising Inc. across Canada.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:53 The mission of Mr. Taxes

3:27 The overlooked ways of how to save tax

8:27 The process Robert helps support his clients with

12:21 The inspiration behind writing The Tax Savings Bible

16:46 Blindspots that Canadians need to be aware of

24:16 Tax advantages for business professionals to leverage

27:22 The issue with capital gains tax for everyday Canadians

29:38 Who Robert wants to be a hero to

69. Authorized Infinite Banking Practitioner In Toronto

Richard Canfield & Jayson Lowe — Tue, 29 Jun 2021 09:31:23 +0000

Launching Wealth Without Bay Street’s Advisor series, Cole Snell is an advisor with Ascendant Financial. As a career entrepreneur, his work has spanned decades in the Health and Wellness and Specialty Food spaces. Recognizing the common bond of money in all businesses, Cole now aims his sights and passion on the financial industry. He truly has a passion for innovation.

Serving people has become one of Cole’s motivations in life as he takes his clients through the same journey of discovering IBC as he went through. He feels the best way to serve others is through the blessing of financial literacy. His goal is to help people who break down the fear of finance.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:02 Cole’s discovery of IBC

5:53 How different life would be if Cole discovered IBC as an entrepreneur

8:09 The mindset Cole strives to develop as an advisor

10:27 What Cole is like outside of work as an advisor

12:21 Cole’s recommendation to people considering IBC

14:43 The journey of growth and learning through mentorship

18:37 Improving my level of awareness about IBC

20:44 The favourite moments in a client journey

22:10 Cole’s mission

24:01 Dealing with misinformation about IBC

27:33 Closing remarks for listeners

29:13 Who Cole wants to be a hero to

68. Financial Wisdom For Millennials – Client Series – Justin Dubeau

Richard Canfield & Jayson Lowe — Tue, 22 Jun 2021 09:48:34 +0000

Get a headstart with IBC. Justin Dubeau started IBC at 25 years old and has now been practicing for 5 years. He works as an oil field operator at an oil field and has a wife and two children. On today’s episode, Justin talks about the benefit of starting IBC early on and being able to purchase life insurance policies not only for him and his wife but also for their two kids in order to ensure that he passes on a wealthy inheritance of knowledge and capital to his children. Death comes inevitably to us all, and having these systems in place can take care of the family financially and allow them to take the time to grieve.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

1:28 How Justin got started with IBC and how life has been since

3:15 The advantages from his first few policies

5:24 The ease of life when you have financial control

6:14 Is it really beneficial to use dividends to pay policy premiums?

11:44 Justin’s message to Wealth Without Bay Street listeners

14:40 The future is exciting when you are practicing IBC

16:09 The worry free life knowing that your kids will be taken care of

19:20 Policies setup for children help to transfer both capital and knowledge

26:49 Who Justin wants to be a hero to

67. Financial Freedom Begins With Personal Liberty – Lawrence Reed | Fee.org

Richard Canfield & Jayson Lowe — Tue, 15 Jun 2021 09:15:35 +0000

Lawrence W. Reed became President of the Foundation for Economic Education (FEE) in 2008 after serving as chairman of its board of trustees in the 1990s and both writing and speaking for FEE since the late 1970s. He previously served for 21 years as President of the Mackinac Center for Public Policy in Midland, Michigan. He also taught economics full-time at Northwood University in Michigan and chaired its department of economics. He holds two honorary doctorates, one from Central Michigan University and Northwood University. Reed has authored nearly 2,000 columns and articles in newspapers, magazines and journals in the United States and abroad. He has authored or coauthored eight books, the most recent being “Was Jesus a Socialist?” and “Real Heroes: Inspiring True Stories of Courage, Character and Conviction”.

IN THIS EPISODE, YOU WILL LEARN:

0:00 Introduction

2:21 The connection between liberty and character

10:36 The importance of personal responsibility in dealing with money

12:36 The power of the entrepreneur

21:57 Stories of remarkable entrepreneurs that have been forgotten

28:22 About Larry’s life and work

35:27 The risk of hyperinflation when expanding money and credit