Wade Borth - Sage Wealth Strategy

In this episode of The Wade Borth Podcast, Wade breaks down the recent headlines about NASCAR driver Kyle Busch allegedly losing $8.5 million in an Indexed Universal Life (IUL) scheme—and why stories like this create so much confusion about life insurance. Wade explains the likely factors behind the situation, including premium financing and unrealistic illustrations, and clarifies why IUL shifts risk back to the client while dividend-paying whole life insurance operates on guarantees, transparency, and long-term stability. Instead of letting one bad actor or bad tool tarnish the entire industry, Wade uses this moment to highlight the critical differences between IUL and whole life, the importance of understanding risk, and why whole life remains the most reliable foundation for financial security.

Episode Highlights

03:03 - Index Universal Life (IUL) concerns.

05:50 - Universal life risks to clients.

07:11 - Whole life vs. Universal life.

10:54 - Value of guarantees in whole life.

13:04 - Transferring risk to policyholders.

15:39 - Whole life as a liquidity contract.

19:21 - Industry skepticism and bad actors.

Episode Resources

• sagewealthstrategy.com 

In this episode: Wade walks through Business Banker (treating capital like a business, routing more cash flow through policies, and demanding payback with interest) and Infinite Banker (a closed family banking ecosystem where money consistently flows through your policies across generations). Expect practical criteria for loans, deal flow, and protecting liquidity while you invest. Tune in to see how disciplined policy use becomes a system—so your family controls the money game, not the banks.

Episode Highlights

00:47 - Overview of podcast stages: business banking and infinite banking.

01:28 - Definition of a business banker and control over finances.

02:26 - Mindset shift: Premiums as investments, not expenses.

03:04 - Redirecting cash flow: Benefits and privacy of policies.

08:12 - Hard money lending and expanding banking systems.

10:02 - Key components of wealth building and financial conversations.

11:20 - Treating money transactions like a business.

13:02 - Infinite banking mindset and the closed financial ecosystem.

15:52 - Interdependence and family financial ecosystems.

Episode Resources

• sagewealthstrategy.com 

In this episode: Wade breaks down the first two stages of owning whole life: Saver (building a safe, liquid foundation and tightening your relationship with money) and Wealth Builder (shifting premiums from "expense" to "opportunity," paying down the right debts, and funding opportunities without sacrificing liquidity). You'll hear how Tough Money habits, cash-flow redirection, and a clear "days of liquidity" target create real control—not just theory. Tune in to learn how to move from storing cash to putting it to work—on your terms.

Episode Highlights

01:04 - Exploring the four stages of whole life insurance.

04:43 - The misconception of doing infinite banking.

05:35 - Stages from saver to infinite banker.

07:59 - Building a strong financial foundation.

09:17 - Misclassification of life insurance as liquidity.

13:56 - Whole life insurance as a secure investment.

16:50 - Transitioning from saver to wealth builder.

18:27 - Strategic debt elimination.

21:17 - Importance of increasing cash flow.

Episode Resources

• sagewealthstrategy.com 

Welcome to a new episode of the Wade Borth podcast, focusing on "Consumer Corner" where we answer common questions that come across Wade's desk by clients.  In this episode, Wade is joined by his assistant Kira Nyland to go through questions regarding Term Insurance and if it's a better fit than Whole Life.  If you're stuck between which type of policy might be the best option, this episode is for you!

Episode Highlights

03:38 - The role of informed decision-making in finance.

05:15 - Debunking common financial myths.

07:53 - Exploring the debate: Term vs. Whole Life Insurance.

10:07 - The misperception of term insurance costs.

13:39 - Actuarial data and term insurance claims.

15:54 Insurance company strategies on premium pricing.

18:08 - Legacy planning limitations with term insurance.

21:24 - Understanding the value vs. cost in insurance.

23:27 - An analogy: Cost vs. value of financial decisions.

24:37 - Encouragement to seek diverse financial education.

Links and Resources

• sagewealthstrategy.com

• The 8 Benefits Part 1 - https://youtu.be/ld1M73GAURY

• The 8 Benefits Part 2 - https://youtu.be/u7AVa-4SdAc

Wade sits down with Dallas-based advisor Brent White to unpack why most financial advice fails business owners—and what a team-based, "family office" approach can do instead. From Infinite Banking and cash-flow efficiency to avoiding siloed planning (hello, audits and missing 401(k) bonds), Wade and Brent share real-world tactics to build resilient companies, create liquidity, and make the same dollar do multiple jobs—with an abundance mindset and a servant's heart. Tune in to hear how thinking differently about your business—and surrounding yourself with the right team—can help you build lasting wealth, reduce risk, and keep your money in motion for generations to come.

Episode Highlights

• 02:15 - Rethinking the banking system.

• 06:40 - Financial awakening through experience.

• 11:25 - The "Mount Everest" approach to business.

• 16:50 - Efficiency over growth.

• 22:10 - The danger of doing business "like everyone else".

• 27:30 - Money in motion creates wealth.

• 32:05 - The power of team specialization.

• 41:10 - It's not about debt—it's about strategy.

• 45:20 - Education is empowerment

Episode Resources: 

• sagewealthstrategy.com

• https://www.sagewealthstrategy.com/planning-beyond-retirement-with-kent-kraiter/ 

• Connect with Brent White

• bossfinancialgrp.com

• Brent@theinsboss.com

Today, Wade sits down with returning guest and former military member Kent Kraiter to discuss the realities of retirement planning for those who serve. Drawing from his own military career and master's research on retirement strategies in the U.S., Kent shares insights on how service members can better prepare for their financial future—long before retirement hits. Together, they unpack the complexities of military and federal benefits, survivor plans, and how to take control through education and alternative strategies like properly structured whole life insurance. Whether you're two years or ten years away from retirement, this episode will help you think differently about how to protect your family, maximize your benefits, and take ownership of your financial future.

Episode Highlights

00:54 - Military retirement strategies: Serving those who serve.

02:00 - Common misconceptions about retirement planning.

03:03 - Transition assistance programs in the military.

05:00 - Key factors in military retirement decisions.

06:50 - Survivor Benefit Plan (SBP) overview and cost.

09:50 - Survivor Benefit Plan: Impact on surviving spouse.

11:30 - Comparing SBP with private insurance options.

14:30 - Importance of planning and control over benefits.

15:59 - Break-even point for whole life policy vs. SBP.

Episode Resources: 

• sagewealthstrategy.com

• https://www.sagewealthstrategy.com/planning-beyond-retirement-with-kent-kraiter/ 

• Connect with Kent Kraiter

• kent.kraiter@factumfinancial.com 

In this episode of The Wade Borth Podcast, we rethink what retirement should really look like. Wade digs into the common "save, save, save" approach with 401(k)s and why accumulation alone is not enough. He explores the importance of a clear distribution plan, how fear of running out of money holds retirees back, and strategies to create guaranteed, reliable income for life. If you want to retire with confidence — not scarcity — and enjoy the freedom you've worked so hard for, this conversation is for you.

Episode Highlights

00:18 - Challenging Conventional 401k Thinking

03:58 - The Importance of Distribution Planning

06:45 - Retirement Fears: Running Out of Money vs. Death

09:25 - Exploring Higher Distribution Rates

10:01 - Guarantees in Retirement Planning

12:15 - Stages of Retirement Spending

14:20 - The Value of Lifetime Income

15:48 - Planning for Legacy and Education

17:29 - Intentionality in Retirement Planning

20:31 -Abundant Living vs. Scarcity Mindset in Retirement

21:56 - Ensuring Retirement Certainty and Abundance

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• https://factumwebinar.com/replay 

In this episode of the Wade Borth Podcast, Wade explores why so many families lose their wealth within just a few generations and what can be done to stop the cycle. Using real-life examples from farming families and well-known legacies like the Vanderbilts and Rockefellers, Wade dives into the critical role of education, communication, and intentional planning in preserving generational wealth. He highlights the importance of family banking, setting standards for stewardship, and creating systems that help future generations understand, respect, and grow the legacy they inherit.

Episode Highlights

01:01 - Education over money for generational success.

01:15 - The Vanderbilt wealth decline.

01:48 - Rockefeller vs. Vanderbilt comparison.

02:33 - Importance of education in farming families.

03:23 - Third generation observation gap.

04:18 - Educating future generations.

05:39 - Educated stewardship vs. poor stewardship.

06:41 - Passing knowledge and understanding.

07:36 - Family banking business concept.

08:04 - Success indicators beyond money.

09:03 - Intentional planning and legacy systems.

10:02 - Building a family financial education system.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this heartfelt episode of the Wade Borth Podcast, Wade shares why life insurance is one of the most powerful and misunderstood financial tools available. Drawing on 35 years of experience—and his own personal story—he explains how life insurance provides guaranteed liquidity, removes financial pressure during life's most difficult moments, and allows families and businesses to move forward with certainty. Wade discusses why he believes life insurance is ultimately a contract of love, how it protects your legacy, and why education and planning are key to making sure your family is financially secure when it matters most.

Episode Highlights

00:34 - Life insurance and mortality.

01:09 - Value of life insurance.

02:00 - Companies' approach at death.

03:10 - Providing liquidity at death.

03:51 - Financial relief during grief.

05:50 - Stability through life insurance.

06:10 - Life insurance industry funding.

07:10 - The mutual company advantage.

08:55 - Life insurance as managed assets.

10:00 - Planning for unpredictable events.

11:55 - Personal experience: Father's death.

12:53 - Importance of proper planning.

13:43 - Impact of insufficient coverage.

15:23 - Importance of discussing needs.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com