I was just told that someone in my network surrendered their policy....🙁 Here's why that's upsetting. They didn't know they had options. That simple and that sad. Didn't talk to a professional. Isn't in this group. Just...let it go. There are probably a dozen ways to keep the policy in force and keep building the most valuable asset out there right now. ASK FOR HELP IF YOU ARE STRAPPED FOR CASH. Reach out to @David Befort or @Paul Fugere THAT'S WHAT THIS GROUP IS FOR. That's all I got. You can do this. fight the good fight. "Put your hand to the plow". And you will be successful.

Guys my brother sent me this clip from Diary of a CEO podcast where one of the guests is pulling back the curtain on wealthy people and taxes. Sounds a lot like IBC to me… use this when sharing IBC with people! https://www.facebook.com/share/v/1Dnrxa5tki/?mibextid=wwXIfr

Yesterday Tammy and I attended a local event to support Smoky Mountain Service Dogs, a wonderful organization. This was a patriotic event with a couple of retried flag officers, and just a bunch of wonderful local community members. Anyway, prior to the event, we went to a neighbor's house for cocktails. Some I had met before and some for the first time. They all knew of us and generally refer to us as the "young people". The average age in my neighborhood is north of 60 easily. Great people. Everyone I spoke with was either a retired physician, retired military, retired business owner, retired airline pilot, or retired highly compensated employee. The doc in fact was a retired Navy captain pediatric surgeon. Not one of them knew of IBC, nor did they own whole life insurance. One man, on the recommendation of his financial advisor, surrendered his whole life insurance policies and used those funds to purchase a long-term care policy-not ideal but not terrible when compared to simply surrendering for cash and doing nothing with it. Of course, I maintained a poker face and commended him while in reality my mind was exploding. Had we had more time I think that I would have asked him, why not have both? I share this to say that if you practice IBC, and control the banking function at your level, you are truly in the elite regardless of your income level. Your mindset and willingness to self-educate are simply amazing traits that you all have and all things considered, will lead to considerably better results than otherwise could have been realized.

Thank you to all who joined! Here's the replay: https://fathom.video/share/pah5EmHDvDX_hyWt-ayULs4s_xicx3_k If you missed it, todays discussion was around IBC pricinples and introducing hybrid long-term care insurance. Key Takeaways - Prioritize IBC Principles over Numbers: Focus on IBC's core principles (control, optionality) before getting lost in complex illustrations, which can be misleading. - Address the LTC Blind Spot: Long-term care (LTC) is a major financial risk, with a 70% probability of need. It's a critical blind spot for many, including those with military benefits. - Leverage Hybrid LTC for Asset Protection: Hybrid LTC products like OneAmerica's Asset Care solve the "use it or lose it" problem of traditional LTC by providing a death benefit or return of premium if care is not needed. - Integrate Hybrid LTC with IBC: Hybrid LTC complements an IBC system by protecting the main cash value from being liquidated to cover care costs, thus preserving the long-term wealth-building strategy. Watch the full recording here! https://fathom.video/share/pah5EmHDvDX_hyWt-ayULs4s_xicx3_k

One thing my journey into real estate has taught me is that success isn't only about closing deals or reaching a certain number. For me, it has always been about what those things can create: More freedom. More choices. More time with family. And the ability to build a future on my own terms. My journey didn't start with real estate alone. Before getting into property, I explored other income streams and learned lessons from each one. Those experiences eventually helped shape the way I approached real estate and business. It hasn't always been easy. There have been mistakes, slow periods, things that didn't work, and plenty of lessons along the way. But I'm grateful for the journey because every experience has helped me become more intentional about what I'm building. I also believe everyone's version of success looks different. For one person, it might be owning their first investment property. For another, it might be replacing their job income. For someone else, it might simply be having more time with the people they love. So I'm curious when you think about the life you're building through real estate, what does success actually look like for you