Wade Borth - Sage Wealth Strategy

In this final installment of the Tough Money Mastery series, Wade Borth and returning guest David Zapata wrap up their discussion on building financial abundance and purpose. They explore the deeper “why” behind Infinite Banking, challenge traditional retirement and accumulation mindsets, and share practical ways to align your finances with every area of life. From the myths of qualified plans to the importance of liquidity, investing in yourself, and creating interdependence between money and purpose—this conversation offers a fresh, actionable perspective on taking control of your financial future.

Episode Highlights

01:00 - Infinite Banking: Beyond Basics.

02:20 - Tough Money Mastery overview.

03:50 - Common financial misconceptions.

06:15 - The importance of financial literacy.

07:45 - The myth of financial accumulation.

11:01 - Individualized financial advice.

14:30 - Risks of traditional financial planning.

17:05 - How accumulation affects retirement.

20:40 - The origin of retirement age.

23:45 - Role of liquidity in financial security.

25:10 - Changing thoughts on retirement.

28:55 - Issues with qualified plans.

31:30 - Evaluating financial investments.

34:20 - Perception of financial freedom.

37:55 - Role of government in financial planning.

41:40 - Questions about qualified plans.

46:20 - Real costs of college education.

49:25 - Long-term financial impacts of education.

01:06:22 - The need for liquidity in financial health.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

In this continuation of the Tough Money Mastery series, Wade Borth welcomes back David Zapata to explore how to take control of your financial life through strategic leverage and intentional money flow. They discuss four more of the twelve key ideas for mastering tough money—including how to supercharge investments, maximize lending returns, integrate banking functions into your business, and protect your most valuable asset: your people. If you are ready to stop working harder and start having your money work smarter, this episode is for you.

Episode Highlights

03:40 - Importance of Protection in Financial Planning

05:55 - Framework for Accumulating $50 Million Net Worth

12:45 - The Impact of Small Changes Over Time

15:00 - Relationship with Money: Concept of Tough Money

21:00 - Supercharging Investments with Tough Money Principles

26:30 - Maximizing Returns in the Lending Business

34:05 - Importance of Financial Flow and Savings

39:20 - The Role of Human Capital in Business Success

45:40 - Key-Man Insurance and Protecting Business Interests

50:30 - Business Continuity and Risk Management

54:00 - Financial Board of Directors: Who Has Control?

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com 

In this powerful episode, Wade Borth welcomes back David Zapata to introduce the Tough Money Mastery series—starting with the foundational idea of building your own family banking system. They unpack the principles behind Factum Tough Money, explore the importance of saving with intention, and show how you can reclaim control of your financial future. Whether you're leading a family, building a business, or simply want to get smarter with your money, this episode lays the groundwork for financial clarity, intergenerational wealth, and creating a system that supports long-term abundance.

Episode Highlights

01:08 - Impact of family financial principles.

02:59 - The flow of money.

05:45 - Importance of financial education.

07:00 - Becoming the author of your financial plan.

09:13 - Individual vision for financial outcomes.

09:53 - Leadership in family finances.

10:28 - Four main discussion topics for the episode.

11:30 - Building a family banking system.

12:44 - Keeping a million dollars in control for vehicle financing.

13:50 - Sourcing debt as a family.

14:44 - Charitable donations for family legacy.

16:10 - Empowerment through education.

17:07 - Proper sequence in financial decisions.

18:28 - Role of whole life insurance in financial planning.

19:35 - Importance of interdependence in family finances.

22:36 - Family banking business in practice.

26:34 - Rules for family financial operations.

28:36 - Vehicle financing strategies for families.

31:52 - Opportunity cost in financial decisions.

34:50 - Flexibility and control in financing within a family.

37:16 - Legacy giving through life insurance benefits.

45:11 - Preparing children for financial independence.

47:07 - Flexibility of loan provisions in family banking.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with David Zapata

• davidzapata@factumfinancial.com

In this episode of the Wade Borth Podcast, Wade reflects on how his approach to working with clients has evolved with greater intentionality and purpose. He shares the three-step framework that drives every client relationship: awareness, education, and action. Rather than jumping straight to products or solutions, Wade emphasizes the importance of understanding your unique goals, values, and what’s keeping you up at night. From there, education becomes the tool to empower you—not to rely on someone else, but to confidently take control of your financial future. If you're looking for more than just advice, and want a process built around your needs—not a one-size-fits-all solution—this episode is for you.

Episode Highlights

01:06 - Intentionality in Business.

01:17 - The Go-Giver: Adding Value.

01:45 - Financial Awareness: Key to Change.

02:53 - Empowerment Through Education.

04:16 - Importance of Self-Empowerment.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

Today on the Wade Borth Podcast, Wade challenges the traditional view of retirement and encourages listeners to rethink what it truly means. Whether you see retirement as retooling, relaxing, or chasing new adventures, one thing remains the same—your financial strategy should reflect your values, not someone else’s template. Wade explores why relying solely on market-based income can create unnecessary fear and scarcity, and how guaranteed income solutions like annuities can offer peace of mind and stability. If you're approaching retirement or simply thinking about your future, this episode will help you align your money decisions with the life you actually want to live.

Episode Highlights

00:24 - Clarity on Retirement Definitions

02:06 - Traditional Retirement vs. Retooling

03:03 - Living Off Market Interest: Risks

05:04 - Certainty and Fear in Retirement

07:10 - Income vs. Asset-based Retirement

09:07 - The Role of Private Pensions

10:56 - Cookie Cutter Approach to Retirement Strategy

11:59 - Aligning Actions with Values

12:31 - Uncertainty and Future Conversations with Self

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of the Wade Borth Podcast, Wade addresses a common and important question: How safe are life insurance companies? Drawing from conversations with industry leaders and over 35 years of experience, Wade explains why mutually owned life insurance companies are some of the most stable financial institutions in the world. He breaks down how they operate differently from Wall Street-driven firms, why long-term thinking matters, and how these companies prepare for both the expected and the unexpected. Whether you’re new to Infinite Banking or questioning the long-term security of your policy, this episode will offer clarity, context, and confidence.

Episode Highlights

00:32 - Life insurance companies as a safe financial institution.

01:16 - The value of life insurers providing capital.

02:31 - Mutual vs. stock-owned insurance companies.

03:59 - Institutional-level investment in whole life policies.

06:39 - Managing for certainty and risk.

08:53 - Historical resilience of insurers: Lloyds of London.

10:09 - Insurance companies and major global events.

11:00 - Insurers keeping an eye on long-term stability.

12:15 - Understanding what stays the same in business strategy.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of the Wade Borth Podcast, Wade dives deeper into the often-misunderstood concept of Infinite Banking. Instead of overwhelming listeners with financial jargon, he reframes the conversation using a more approachable framework: the Four Stages of Whole Life Insurance. From becoming a disciplined saver to evolving into a true Infinite Banker, Wade explains how each stage builds more control, clarity, and confidence in your financial journey. Whether you're just getting started or looking to expand your financial ecosystem, this episode offers clarity, encouragement, and a practical path forward.

Episode Highlights

01:30 - The Four Stages of Whole Life Insurance

02:12 - Infinite Banking: A Small Subset's Journey

02:32 - Becoming: Essential Part of Financial Control

03:39 - Importance of Savings Strategy

05:06 - Whole Life Insurance Benefits

06:02 - Misclassification of Financial Assets

06:20 - Debt Control vs. Debt Control Over You

07:04 - Wealth Building Strategy

08:09 - Difference Between Chaos and Opportunity

14:32 - Understanding Life Insurance Contracts

14:59 - Small Shifts, Lasting Change

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of The Wade Borth Podcast, Wade wraps up his deep dive into the eight key benefits of whole life insurance. Building on Part 1, he explores how privacy, tax-free death benefits, guaranteed monthly cash value growth, and income statement improvements make this asset a powerful tool for long-term financial confidence. If you’ve ever viewed premiums as a burden, this conversation may flip the script—showing how whole life insurance aligns with your values and financial goals to serve you for life.

Episode Highlights

01:45 - Understanding the multiple benefits of whole life insurance.

02:19 - Keeping money in your own financial ecosystem.

03:47 - Liquidity in times of financial stress.

05:38 - Privacy of whole life insurance contracts.

07:40 - Income tax-free death benefits.

10:48 - Guaranteed growth of cash value.

12:00 - Importance of starting early with whole life policies.

14:13 - Whole life insurance as part of a diversified financial strategy.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of The Wade Borth Podcast, Wade kicks off a two-part series diving deep into the eight powerful benefits of whole life insurance. From guaranteed death benefits and constant compounding to unmatched liquidity and flexible loan provisions, Wade breaks down how this often-misunderstood asset can bring certainty, control, and long-term value to your financial life. If you've ever questioned the real purpose of whole life insurance—or just want to think differently about money—this episode is for you

Episode Highlights

03:12 - Life insurance: guarantees and certainty

06:04 - The “liquidity contract” concept explained

08:23 - The advantage of constant cash value increase

11:18 - Understanding bank strategies: savers vs. borrowers

14:07 - Power of liquidity in whole life insurance

16:54 - The flexible loan provisions benefit

19:00 - Importance of treating your own money well

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com