Відео

who are these guys ?

A lot of what he's saying is very very flawed.He said taxes on s&p. There aren't any taxes unless sold. You can borrow against assets so no need to ever do it unless you don't have an emergency account. If its paying dividends, you only pay taxes on the dividends not the entire portfolio. Also if it's paying dividends there's really no need to ever cash out because the dividends can be lived off of for retirement. Even when the market is down the dividends will still be paid out. So one wouldn't need to access life insurance in that instance either. And he didnt factor in what the dividend pay out would be and the number if reinvested. Also fees are very small almost non existent this is 2024 no one is using mutual funds paying a manager. So the taxes and fees would be taken out of the equation. Also he used 60/40 which may be good for someone in retirement. But anyone from 18-60 is most likely doing 80/20. Replacing bonds with life insurance is a good idea.

How does Bobby define base vs pua? How does that effect structure with WL vs IUL

MPI😬😲

True

Whole life insurance is a TERRIBLE product. STAY AWAY FROM WHOLE LIFE INSURANCE!

Great video! Aren't most people 100% in equities during the accumulation phase and start rebalancing to bonds when they retire?

For credibility, perhaps you should have conversations with a dissenting point of view. Granted, I didn’t watch all your videos, but scrolled quickly through your titles, and then watched this one wholly before commenting. This whole video just an echo chamber. A pair of salesmen, feeding off each others promotions. Even when you attempt to address a point (of course, after giving a dollop of praise like icing to attempt to stave off the criticizers and give you credibility), you grossly exaggerate sound, tried and true financial advice in favor of pumping your products. Talking about the ultra wealthy owning whole life insurance? Correlation does not equal causation. Even the most basic of all financial principals, the heralded 4% rule, has been largely debunked by Bengen himself, without even addressing that it is 4% ADJUSTED FOR INFLATION, which reaches almost 10% at the end of a 30 year life span. So in conclusion-how about having an opposing voice in a conversation-I’d be happy to do it.

Yes part 2 please! Been following Dan for a longtime and he has changed my mindset on how I look at a lot of aspects financially today.

I appreciate these discussions

The bond portion in your portfolio is for stability. By adding bonds during accumulation, you are losing on growth. But its excellent for the stability during the spending phase. What I would have liked to see was for him to set bonds between 20 and 40% with starting principal at 32M and taking out 4% every year and see what was left over.

The variable yielded 32M which makes the actual compounding rate over 40 years to be 11% instead of 12.62%.

Nothing short of a Master Class!!! My heartfelt thanks.

I love this series! Thank you Todd and Caleb for your expertise!

Really insightful and educational! Thank you Betterwealth for providing such solid education for free.

We already have four more videos recorded with Todd and are in editing now, so make sure to hit the bell notification to watch them when they are released! We have a lot of exciting stuff planned :)

Want to Maximize your Retirement with Life Insurance? Go Here: www.betterwealth.com/clickhere-life-insurance Want FREE Whole Life Insurance Education? Go Here: bttr.ly/vault

Part 2 because I didn't understand what IUL was from this episode lol

Part 2

Annuities do not guarantee anything if the dollar collapses or in extreme inflation events. For those reasons, an annuities has no value to me as those are the only events I need to cover.

Please guve me 1 miliôn

What mean deathbenefit? I RakhMana Kesh from Dugri, India

You guys both didn't mention one of the most important and the main reason I like annuities, litigation protection. America is one the most lawsuit-happy nations on the planet. A bulldog attorney can peel away your LLC or Corporation in minutes. They can easily attach your real-estate. Your 401k and IRAs can be easily accessed by court order. Reachable Annuities and Life insurance? Good Luck.

It's great to see how MECs can provide tax-free benefits and keep assets safe while maintaining liquidity. If you're looking for another way to potentially grow your retirement savings, our platform, My Digital Money, allows you to invest in cryptocurrency within an IRA. It's a unique way to diversify your portfolio and potentially outpace inflation.

great video and thanks for sharing. It was great meeting you and your team last week.

Awesome video, pleasure meeting you Danny and Caleb , Class Act my friend. Much success to you both 🙏

Daniel is the best! So informative

At what age does moving funds into an annuity make the most sense (assuming average returement age)?

Thanks for sharing as always

Wow! I’m proud of this video! Thank you for giving me the opportunity to come back and respond to our short!

How much commission is paid out over time and what are the surrender charges?

OK But The dividend returns are buying more insurance only. The Cash value is only to borrow from . You only get the value of the policy at death not the cash value When you borrow from the account the dividends payed back get reduced Why not use a Brokerage IRA money market (Tax free growth) they are paying 4.5% for an emergency fund Latter Multi year Guaranteed annuities (Compounded Growth) pay 4.75% and you can take out 10% a year Buy a term policy much cheaper and invest the money 8 year delay in dividends is paying the up front commission Not a fan. I don't get it

PART 2!!!

Caleb, amazing content

Yes part 2, amazing deep info

👀👀👀

SCAMMMMMM!!!!!!

I use my IUL for investments I love itI bought a few thousand Ounces at 17 a ounce.Going to sell the silver soon and pay back my policy.Then wait for the next opportumity.I love my insurance,srocks, Precious metals.I used Dave to get out of debt.I do my own thing when it comes investing.Thanks for the video.Happy investing/stacking.

Part 2 please

Start early with diversified investments in stocks, bonds, and real estate. Maximize contributions to tax-advantaged accounts like 401(k)s and IRAs. Regularly review and adjust your strategy to ensure security.

Cash value (WL, Univ, "Infinite Banking) is just a legal scam!!!

The more you talk the more it stinks. Get something productive to do with your lives other than scamming people with cash value insurance

I wish you guys would put the Link to the whole video. I wanna know more!

A horrible episode, Dan is very confused person, he does not like IUL but he have 4 policies, it work ok with fully funded, but he do it anyway, it wont work unless you fully fund it, but he forgot that it wont work if the market went down for few years (gap between cash and DB wont do that well and will raise the fees - not to talk about cap changes etc) he does not like laddering but he does that, he said you should not do leverage unless its a great investment, than he do laddering on IUL - not sure if he like curtis or not, but he is doing the same risky thing

35:17 seems like IUL sounds like to much added risk to end up 1/2%, maybe 3/4% maybe 1% higher than a WL policy. I would rather not introduce any risk not have the upward “potential” of up to 1% more. Just my opinion.

Part 2 please! Great content.

Part 2 please

I would love to hear this similar conversation that you had with this guest with Chris Kirkpatrick.

I prefer making arbitrage outside of the policy vs. inside of the policy. The possibility of a greater arbitrage outside the policy has more upside than inside a banking policy. Great conversation.