Wade Borth - Sage Wealth Strategy

In this "Best of 2025" episode of the Wade Borth Podcast, explore transformative insights on building personal banking systems, the security of life insurance, and a real client's inspiring Infinite Banking Concept (IBC) journey. A highlight is guest Nate Scott's enlightening perspective on infinite banking stages. Essential listening for anyone seeking to redefine financial freedom and legacy building.

Episode Highlights

01:09 - Understanding Infinite Banking

03:00 - Four Stages of Whole Life Insurance

05:00 - Importance of Being a Saver

06:07 - The Financial Pressure of Being Asset Rich, Cash Poor

08:00 - Taking Control of Debt

09:56 - Wealth Acceleration and Investment Strategies

12:09 - Managing Risk in Whole Life Policies

13:34 - Institutional Level Management with Life Policies

15:50 - Managing for Death Certainty and Economic Changes

18:49 - The Legacy and Future Currency Transactions

22:00 - The Problem of Not Having Enough Money Saved

25:19 - Transitioning to Being a True Wealth Creator

28:23 - Becoming the Money Lender

33:05 - Significance of Financial Legacy and Education

37:09 - Solving the Central Problem of Access to Capital

Episode Resources

• https://podcasts.apple.com/us/podcast/wade-borth-sage-wealth-strategy/id1515358066 

• https://www.sagewealthstrategy.com/podcasts/ 

In today's, Wade explores the idea that what got you here won't get you where you want to go. He breaks down why rethinking your thinking is essential for growth and how "arrival syndrome" can quietly hold you back. Wade also touches on leading yourself in the Five Areas of Life, letting go of what no longer serves you, and building the right team to support your goals. A short but powerful reminder to pause, reflect, and step into who you need to become next.

Episode Highlights

01:50 - Coaching perspective on growth and success.

02:18 - Five areas of life for holistic abundance.

03:34 - Leadership in personal and professional areas.

04:39 - Revisiting the "Arrival Syndrome."

05:32 - The mountain climbing analogy.

07:01 - The importance of continuous growth.

08:22 - Growth requires subtraction.

09:23 - Letting go for future potential.

10:52 - The potential of working less for more results.

12:26 - Achieving clarity for business growth.

13:51 - The importance of delegation.

15:05 - Intensive focus vs. consistent systems.

18:56 - Identity and skill set growth.

22:00 - The concept of a Wealth Team.

24:23 - Building and using frameworks.

26:27 - Empowering personal and professional growth.

Episode Resources

• sagewealthstrategy.com 

In this episode, Wade breaks down how "financial sewer backups"—market downturns, emergencies, recessions, and income loss—can blindside families and business owners. He explains why liquidity, cash reserves, and intentional planning are the key to surviving financial crises, protecting your wealth, and finding opportunities when others panic. If you want a practical, no-nonsense guide to building financial resilience and staying secure in uncertain times, this conversation is packed with real-world insight.

Episode Highlights

03:01 - Panic and urgency in a crisis.

04:39 - Financial "sewer backup" metaphor.

05:33 - Preparedness in financial adversity.

05:56 - Importance of cash liquidity.

06:38 - Creating financial buffers.

09:57 - Calculating daily expenses and liquidity.

10:27 - Reassessing personal financial security.

11:30 - Building adequate financial reserves.

12:36 - Surviving financial stress events.

13:12 - Opportunities amidst financial crises.

Episode Resources

• sagewealthstrategy.com

In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America's growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the "low payment" and not the true cost, and how thinking like a banker—not just a borrower—can change everything. Wade contrasts the typical consumer approach with strategies rooted in Infinite Banking, whole life insurance, and intentional cash flow, encouraging listeners to treat their money as sacred, question clickbait headlines, and make mortgage decisions that actually serve their long-term financial freedom.

Episode Highlights

00:47 - Discussing the 50-year mortgage trend

01:22 - Kira's initial reaction to the 50-year mortgage concept

03:56 - Mechanics and implications of a 50-year mortgage

05:00 - Interest rates comparison between 15, 30, and 50-year mortgages

05:19 - Consideration of earning potential versus mortgage interest rates

07:16 - Average age of first-time homebuyers and long mortgage terms

09:48 - Impact of extended mortgage terms on overall cost

14:43 -The importance of financial education and awareness

16:50 - Family banking and teaching financial responsibility

22:00 - The value of time and financial decision-making

Episode Resources

• sagewealthstrategy.com 

• The Truth about 15 vs 30 Year Mortgages: Total Cost: https://www.loom.com/share/8b6e261950dc466c9e81b562fcedc96f 

• The Truth about 15 vs 30 Year Mortgages: Additional Factors: https://www.loom.com/share/36baa22d201344f49a709894ed03144b 

• The Infinite Banking Implementation of 15 vs 30 Year Mortgages: https://www.loom.com/share/d18eaac393ff43fb8c85b9cb51a39adc 

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