Wade Borth - Sage Wealth Strategy

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

In this episode of the Wade Borth Podcast, Wade welcomes Michael Hession, fellow Nelson IBC practitioner, to share his personal journey into Infinite Banking. From running a marine canvas shop to experiencing the financial crash of 2008, Michael’s story highlights the importance of building a strong foundation and controlling the banking function in your life. Together, Wade and Michael explore how Infinite Banking creates peace of mind, financial resilience, and the ability to turn debt into wealth for generations.

Episode Highlights

[03:54] Understanding the significance of Infinite Banking Concept (IBC).  

[07:23] Michael's early career and business journey.  

[10:31] The impact of the 2008 financial crisis on Michael’s finances.  

[12:44] Transitioning to financial services post-bankruptcy.  

[15:37] Discovering IBC and leaving the traditional financial industry.  

[19:14] Empowering people through financial education and IBC.  

[22:49] Importance of building financial foundations and saving habits.  

[25:09] The misconception around rates of return versus peace of mind.  

[30:39] The legacy potential of family banking systems.  

[36:56] Liquidity and life insurance in business continuity.  

[42:15] Discussion on the purpose and value of whole life insurance.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

In this episode of the Wade Borth Podcast, Wade sits down with Joe Fuller to discuss family banking and its transformative power on financial habits. Joe shares his journey from aspiring neurosurgeon to a financial strategist after realizing the importance of managing money within families. Learn how intentional money conversations can unite families and create wealth for generations. Joe emphasizes the concept of building a legacy and offers insights into the practicalities of setting up a family bank, showcasing his family’s experiences. This episode is a must-listen for anyone interested in financial independence and family unity.

Episode Highlights

05:34 - Building family banking for a lasting legacy.

11:01 - Shifting mindset towards family financial unity.

21:27 - Importance of long-term habits for financial success.

31:10 - The power of saying no to align with purpose.

38:24 - Leveraging whole life insurance for generational wealth.

46:18 - The role of interdependence in family wealth.

54:36 - How family banking redefines retirement.

01:07:40 - Teaching financial literacy across generations.

01:23:19 - Building intergenerational wealth through family banking.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

Joining Wade today all the way from Hawaii is fellow agent Clarke Tuitele where they have a conversation that blends real-life preparedness with financial readiness. After recounting a recent tsunami warning and the chaos that followed, Clarke draws powerful parallels between disaster preparedness and taking control of your money. He shares his personal story—raising six children on a teacher’s salary, living intentionally, and embracing the Infinite Banking Concept to create a lasting legacy. From building “financial 72-hour kits” to teaching future generations the value of stewardship, Wade and Clarke explore how awareness, education, and discipline can transform both your finances and your family’s future.

Episode Highlights

02:59 - Preparedness for natural disasters.

04:12 - Financial preparedness parallels.

06:51 - Infinite banking philosophy.

09:16 - Clarke’s financial philosophy journey.

12:38 - Intentional financial decisions.

14:24 - Legacy and financial wisdom.

16:43 - Long-term generational thinking.

18:50 - Financial independence education.

21:12 - Real-life impact of tsunami.

25:00 - Metaphor: TSA Pre-Check and financial planning.

28:43 - Financial awareness education.

31:19 - The story of waiting for the perfect wave.

Episode Resources

• Connect with Wade Borth

• https://www.sagewealthstrategy.com/ 

• wade@sagewealthstrategy.com

• Connect with Clarke Tuitele

• clarke.tuitele@factumfinancial.com 

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