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In this episode, Joe Withrow sits down with Brian and Hans from Remnant Finance for a live strategy session breaking down the Infinite Banking Concept from the ground up. We get into what a whole life insurance policy actually is (and isn't), why the bank has been profiting off your savings your entire life, how to borrow money against an asset without actually reducing it. If you've been curious about IBC but never had it broken down in plain language, this is the episode to start with.

Chapters:

00:00 – Opening segment

03:30 – What is IBC? The protect, save, grow framework

07:35 – Taking over the banking function: why the bank always wins

11:15 – Human life value: your most valuable asset isn't on your balance sheet

17:00 – Generational policies and setting up kids

22:30 – Policy loans explained: borrowing against vs. borrowing from

30:00 – Live illustration: how Hans funded a real estate syndicate

41:00 – The car purchase breakdown: policy loan vs. dealer financing vs. cash

46:00 – Does this work if you don't have dependents?

53:00 – Brian's land story: how access to capital beat four competing offers

1:03:00 – Policy illustrations walkthrough: the cash drag period and when it flips

1:14:00 – Mutual companies, dividends, and why the math actually works

1:24:00 – Why Dave Ramsey's advice has an expiration date

1:33:00 – Who this is and isn't for

1:37:00 – Closing segment / how to book with Remnant Finance

Key Takeaways:

The bank is always profiting — the only question is whether you are. When you save at 3% and borrow at 6%, the bank isn't making a 3% spread. They're making a 100% return on every dollar they hold for you. IBC is about recapturing that function for yourself.

You're not borrowing from your policy — you're borrowing against it. The insurance company loans you their money, collateralized by your cash value. Your policy keeps compounding as if you never touched it. That's what makes it possible to use the same dollar more than once.

Cash attracts opportunities you can't plan for. Brian outbid developers on land behind his house — paying $80,000 less than the highest offer — because he could close in a week with no contingencies. That's not an investment strategy. That's just what access to capital makes possible.

The guaranteed growth is the point. This isn't an investment — it's a warehouse. The value is in having a pool of capital that grows uninterrupted, tax-free, by contract, regardless of what the market does or what loans you have outstanding.

IBC isn't for everyone right now — and that's okay. If you don't have consistent positive cash flow, forcing a premium payment will feel like a burden instead of a blessing. Brian and Hans will tell you that directly. Get the foundation right first.

If you've heard of Infinite Banking, you've probably also heard someone tell you it's a scam — or that you should just max your 401k and call it a day. Most people dismissing it have never actually had it explained properly.

VanMan: ⁠https://vanman.shop/⁠

Book a call: ⁠https://remnantfinance.com/calendar⁠ !

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If you've been in the health-conscious space online, you've seen Van Man products everywhere — tallow balm, eggshell tooth powder, fluoride-free mouthwash. But most people don't know the story behind the brand.

In this episode, Jeremy Ogorek sits down with Hans to talk about losing everything in a New York tech startup, moving back in with his mom, buying a van, and accidentally stumbling into a health brand that's now replacing every product in your bathroom — and soon, your pantry too. We also get into the "everything is a lie" awakening, why fluoride was his first red flag, what's actually in the products you put on your skin, and how he's now selling $6 grass-fed smash burgers out of a restaurant in Pacific Beach that keeps selling out.

If you've been rethinking what you put on and in your body, this one's for you.

Chapters:

00:00 – Opening segment

01:25 – Van's background: CPA, quitting his first job, joining a NYC tech startup

05:15 – The startup collapse: $8M raised, celebrity investors, and losing everything

08:55 – Fluoride as the first red flag and the origin of the eggshell tooth powder

14:05 – How the tallow balm was born and why it went viral

19:00 – "Your skin is a mouth" — the philosophy behind Van Man products

21:25 – Product lineup: deodorant, sunscreen, bug balm, soap, shampoo, eye cream

30:30 – The Van Man restaurant in Pacific Beach: $6 grass-fed burgers

36:00 – The business model: restaurants, gas stations, and movie theaters as product "stunts"

43:25 – Other clean brands: Masa Chips, Orum, Rosie's Chips

53:00 – Vaccines, home birth, and the broader health awakening

57:00 – What's next: tallow popcorn, clean Snickers bars, cough drops, and an RFK collab

1:04:15 – Closing segment

Key Takeaways:

Tallow isn't a trend — it's a return to what worked for thousands of years. People are reporting cleared rosacea, vanishing acne, and healed scars from a balm made of five ingredients you could eat. Meanwhile, the dermatologist-recommended steroid creams weren't solving the same problems in a decade.

Your skin is your largest organ, and it absorbs what you put on it. If you wouldn't eat the ingredients in your lotion or deodorant, ask yourself why you're comfortable rubbing them into your skin — especially in high-absorption areas like your armpits.

Fluoride was the first domino. It's the only non-opt-in medication — it's in your tap water, your toothpaste, and it's free. Once you ask why they care so much about your cavities, the rest of the questioning begins.

The restaurant isn't really about the restaurant. Van Man Burgers in Pacific Beach sells $6 grass-fed smash burgers at near break-even. The real play is getting clean products in front of new customers. Every "stunt" — restaurant, gas station, movie theater — is a storefront for the mission.

You don't need permission to start. Van went from credit card debt and a van to building a brand, a restaurant, and a product line — all by following his gut, tweeting his thoughts, and making products he wanted to use himself. The XP comes from doing, not reading.

Book a call: https://remnantfinance.com/calendar !

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Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information

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This episode dismantles the top seven objections one by one. We're answering them directly and showing why most criticisms reveal a fundamental misunderstanding of what whole life insurance actually is.

If you've ever hesitated to explore IBC because something you read online gave you pause, this is the episode for you.

Chapters: 00:00 – Opening segment 07:40 – Objection 1: Whole life is a terrible investment 15:45 – Objection 2: The rate of return is terrible 26:35 – Objection 3: You don't break even for years 34:45 – Objections 4 & 5: Why pay interest to borrow my own money? 45:25 – Objection 6: Agents make huge commissions 57:50 – Objection 7: This only works if you're rich 1:02:05 – Closing segment

Key Takeaways:

It's not an investment—it's savings. Whole life has no risk of loss, which by definition means it's not an investment. It's a savings vehicle with guarantees, privacy, and a death benefit. Stop comparing it to the S&P 500.

Rate of return isn't the only metric. The best-performing asset changes depending on your timeframe. Chasing returns is how people buy high and sell low. Wealthy investors prioritize control, understanding, and risk management before rate of return.

Policy loans aren't "borrowing your own money." You're borrowing the insurance company's money, collateralized by your cash value. Your money keeps compounding. That's the entire point.

Commissions aren't the gotcha people think. If agents wanted easy money, they'd get a securities license and collect 1% AUM fees for life. Whole life is harder to sell and pays less over time than traditional financial advising.

Is Infinite Banking a scam? If you've spent five minutes researching IBC online, you've seen the accusations. These objections are everywhere—YouTube comments, Reddit threads, Dave Ramsey clips. They sound convincing. They're also wrong.