Episodes
May 14, 2025
Retirement is not about a Number, It is about Cash Flow
Many companies and people focus on a number to achieve a comfortable retirement. Retirement is not about obtaining a number. It is about cash flow. The 4% withdrawal rate is often recommended to ensure you don't run out of mo...
May 7, 2025
More Americans Worry about Running Out of Money in Retirement than Dying
The 2025 Allianz Retirement Survey key findings: 64% of Americans worry more about running out of money in retirement than about death. The primary causes of their concerns are: - 54% cite the increased prices of goods due to...
April 30, 2025
Will the US-China Economic Cold War Lead to a Recession?
The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology. China and the US are decoupling economically. This is similar to the Cold War with th...
April 23, 2025
It is more than Tariffs. This is a China-US Economic Divorce.
The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology. China and the US are decoupling economically. This is similar to the Cold War with th...
April 16, 2025
Extreme Stock Market Volatility is Here Due to the Tariff Situation
The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning. The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal. China exports five times more to the US th...
April 9, 2025
How Will the Reciprocal Tariffs Affect the Economy and Our Money?
The reciprocal tariff policy is about Fair Trade vs. Free Trade. Reciprocal tariffs will be calculated both the monetary and non-monetary totals. The US will tariff the other country about half of the tariff charged to the US...
April 2, 2025
The Dot-Com Bubble Peaked 25 Years Ago. Are Investors Repeating the Same Mistakes?
It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn’t matter. The only thing that mattered was how much you put into it, because it was going to continue to...
March 26, 2025
The Market in Correction Territory. Is this Just a Correction or the Beginning of a Bear Market?
Ironic that the advice always the same. Stay the course. Hang in the there. It will get better. Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks. Hedge funds sold t...
March 19, 2025
Tariffs: What is the Trump Administration Economic Plan?
The Trump administration wants: 1. Fair trade rather than free trade. - Many countries have taken advantage of the US for decades. - Reciprocal tariffs are fair, stop taking advantage of the US. - Making things in the US elim...
March 12, 2025
Ishan Patel Interview
Ishan shares his fascinating personal story. His first job was an insurance agent learning from Ferenc with Your Personal Bank . Ishan Patel, CEO/Founder of Audien Hearing was recently named top 3 entrepreneur of the year in ...
March 5, 2025
What is Your Personal Bank and Why is Now is an Excellent Time to Consider Adding to Your Portfolio
Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes. Your Persona...
Feb. 26, 2025
Steve Trang, Disrupter Podcast Host
Steve Trang started the Real Estate Disruptors podcast in 2018 to inspire wholesalers and real estate agents to double their incomes by adding a second leg to their business – working together on investment properties. The po...
Feb. 19, 2025
The Government Waste is not Incompetence, it is Corruption
The amount of money wasted by the Federal Government is astounding. This level of waste is not incompetence, it is fraud. $2.7 trillion has been sent to recipients overseas who were not qualified to receive Social Security si...
Feb. 12, 2025
The Trump Administration is Moving at Light Speed
Most of Trump's executive orders are not changing anything. They are using common sense and moving the country back to it's foundational principles. The level of fraud and waste being exposed are shocking. This is a revolutio...
Feb. 5, 2025
Products We Offer: Your Personal Bank, Annuities, Guaranteed Income Riders, Life Settlements, and Premium Finance
We specialize in the following financial products: 1. Your Personal Bank: High Cash Value - Whole and Indexed Universal Life insurance policies 2. Fixed and Index Annuities: grow your money without market risk, access to over...
Jan. 29, 2025
We have a New Administration. What this means for our Money
President Trump has signed many executive orders. Some of the challenges will be resolved quickly. Others will take more time. The federal debt will likely push yields and interest rates higher for several years. Ferenc share...
Jan. 22, 2025
What Higher Bond Yields Means for Your Finances!
Higher bond yields (interest rates) benefits savers and punishes borrowers. How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off....
Jan. 15, 2025
Insurance companies have increased dividends and reduced borrowing rates for 2025!
Insurance dividends are 6%+ while policy loan rates are 5-5.3%. Dividend rates currently average about 1% higher than the cost of borrowing. Dividends are expected to increase for the next 3-5 years if not longer. Many financ...
Jan. 8, 2025
Taxation Without Representation. How it Affects Us Today.
The primary cause of the Revolutionary War was taxation without representation. Today we have a government that taxes us then sends billions of dollars to other countries, many who hate us. Did you vote for this? Do you suppo...
Jan. 1, 2025
Successful Goal Setting and the Wheel of Life
Ferenc shares his popular annual successful goal setting message! He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life. Ferenc also shares the 4 steps to succe...
Dec. 25, 2024
Ferenc's Story
Ferenc gets personal and shares his story for the first time in his radio career! You will be captivated by Ferenc's extraordinary story. He shares the events that shaped his life and why he thinks the way he does. Blackrock,...
Dec. 18, 2024
Guaranteed Lifetime Income Benefits have Doubled in the Past Year!
This is the best time to establish Guaranteed Lifetime Income in 42+ years! There are guaranteed lifetime products that offer up to a 30% bonus with a 8% guaranteed benefit increase annually. You can increase the income you r...
Dec. 11, 2024
The Stock Market Could Be Too Strong for Its Own Good
Investors either don’t see risks or don’t care about them. AI optimists are behaving like the investors who got burned in the Great Depression and dot-com bubble, Vanguard’s chief economist warns. The Stock Market Is Doing So...
Dec. 4, 2024
US Debt Hit $36 Trillion
The US added $11.8 Trillion of debt since 2020. The government owes $108,000 for every American, man, woman, and child. Deficit spending as % of GDP is at World War 2 levels. 25% of government receipts pay interest on the deb...