Episodes

Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in ...

Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt. As a re...

China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement. If the high tariff rates had gone into effect, it would have been similar to a trade embargo. B...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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 ...

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...

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...

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...

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...

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...

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...

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....

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...

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...

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...

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,...