Infinite Banking On Your Kids

All right, so we are also live on YouTube, live on Zoom. Welcome, welcome everyone who's in the house tuning in live. Appreciate you being here. Those of you that have been following me for years now, appreciate your support all these years. Clients, in the last 2 years I've been working Very closely with a business partner of mine. His name is Daniel Romberg. We met back in 2023, I believe, at an event. And since then, we've just been building relationship, which then led to a business relationship, which has now really flourished into him helping my practice, my practice helping his practice. We've been doing a lot of really, really cool work together. So if anyone has had a conversation with Daniel Romberg, let me know in the chat if you're catching the recording. If you haven't had a conversation yet with him, I'm going to drop a link in the comment section, in the Zoom section as well. Where anyone that's, you know, interested in having a deep discussion on retirement planning, Daniel Ronberg and his team has been excellent in helping folks understand how to maximize their income in retirement when they finally leave that, that job or that career, that business, and transition into something else. And on the front end, for the last 8 years, I've been helping folks eliminate debt, become fully debt-free, increase their cash flow, build their credit, leverage velocity banking, leverage infinite banking. So it's like all this front-end stuff, which is great, but it's still not the end game. It's still not the full picture. There's, there's still more. Even when you completely pay off all your debt, there's still more obstacles and challenges to solve when it comes to your, to your personal finances. So moving forward, we now have a, a really solid partnership, working relationship together. I'm actually live on his channel and my channel at the same exact time. So what you're going to start seeing over for the rest of this year and then going into the new year is you're going to start seeing some of like my content on his channel as well. So we're just bringing communities together, providing as much education upfront to help you guys with your finances, making the right moves, educating you to the highest level. And we want to be able to serve you throughout your entire financial journey, from paying off debt to just getting your numbers in line, getting your finances in order. To then finances are getting better and you're saving more money, you're starting to invest more, you're starting to put some dollars over here and some money over here. And now I, along with my— our entire team, are able to help you with your investment accounts, with your retirement accounts, with your business, with your taxes, with your estate planning. I mean, we're adding really the whole nine, which is, which is really awesome. So I wanted to announce that. Before we dive into today's lesson, which is infinite banking on your kids, I have a wonderful case study. This is a whole life insurance policy on a child that got started when this child— she's female— was 10 years old. She's now 16 years old. But the the policies, like the amount of years it's been funded, technically has been funded eight times. So I believe like she was like technically like nine when the policy first got started. Now she's sixteen, but the policy was funded this year in in April. So we are at Beginning of year, say, seven going into eight. So by the end of 2020, by May of 2027 should mark the the eighth year. I might be butchering this, but let's dive right into the into the details as to when the policy got started, what type of policy we're looking at. It's the whole breakdown. So we have a guardian. Policy L95 design. This was written in 2019 in May. So yes, technically I gotta adjust this because I'm like doing my math wrong. Let's just say it's year 7, okay, funded in May. And now we're entering into year 8 soon. So that's kind of— that's what messed me up. So female whole life funding $3,600 per year on an annual basis. The death benefit starting out is $559,010. Age of issue was 10, current age 16. We're in year 7 of the policy. Total cash value. So now I gotta adjust one more number here, make sure I don't mess this up. Yeah, so total amount funded will be $25,200. I'm actually just going to keep both numbers. I'll have to verify this. So principal funded anywhere between $25,200 and $28,800 is how much we've paid into the policy so far. Total cash value is anywhere somewhere around $30,000. By the end of the policy year should be around $31,600. So it's a little A little bit more than $30,000 is what's in the cash value currently to date. It's pretty awesome to see this person has— I've been working with the father in this family. We've put a policy on dad, mom, daughter. So everyone's got a whole life policy all designed for the infinite banking strategy, infinite banking concept. Minimum premium expense max cash value design policies. Of this $3,600, their base premium— forgot to put that— their base premium is $360. So that's technically the minimum amount that They are required to fund into the policy each year. Okay, whoops, dropped my marker. And I'm going to go ahead and share my screen real quick to give you guys a little more context, show you what a real in-force policy looks like. Let me go like this, zoom in a little bit more. So yeah, the policy says year 8. So yeah, so we're in year 8. I messed that up, but technically the individual is actually still 16 years old. We're in 2026, so $30,082 should be the starting cash value by the end of year 8. Which will be in 2027, cash value should be around this number, $31,604. I illustrated funding all the way out to age 23, or 14 years of funding. Afterwards, we can continue to max fund 36, but I just showed what it would look like if we Just drop down to the base, $360. And as you can see, the death benefit stays fixed. It eventually drops a little bit, and then it begins to go back up. If you are looking at an infinite banking policy design, or you're talking with any agent, if you ever see this in your policy a drop-off in death benefit, that's because the policy could have been funded a little bit more to support the death benefit from decreasing. So it's not necessarily a bad thing to see this on a policy. You just want to have that awareness as to why that's happening. So the reason why in this case we see that death benefit dropping is because if this person followed this policy design and they stopped max funding after the 14th year, then what's happening is we're going to drop the term insurance coverage on this policy to make the policy more efficient since we've decided to not continue to max fund the policy after a certain point. There's no sense in paying extra in term coverage to support something that you may not do. Okay, now if an individual is funding their whole life policy adequately or they're max funding it, and let's just say there's a year or a couple years where they're not able to do as much, but they know they want to catch up. And somewhere in this window here, they know they want to catch up. Well, we would keep the term on there because they intend to make up for those years that they didn't max fund the policy. And if they do that, then we won't, we won't see that drop in death benefit. In fact, it would begin to increase from that point, $559,000, and go up from there. Alright, so it's either or. It's not necessarily a good or bad thing. It's a matter of efficiency. And so if we're focusing on cash value performance over the long term, you want to remove any drag that can occur inside of a whole life policy. Alright, so That gives you a little insight on how this policy is doing. It's in its 8th year, 2026. It's been funded according to its original design, $3,600 per year, like clockwork. Every single year, that's how much we funded. At this point, the policy has reached its break-even point. I believe it broke even in year 7 or 6. But at this point, what that simply means is that if I've paid in $28,800 into this policy in principal amount funded, and there's over $30,000 in cash value, that means this policy is now in the green. That means every single dollar moving forward that I put into this policy Every dollar moving forward that I put into this policy 100% will show up in the cash value plus a surplus. One of the things that we covered last week, and I'll just keep echoing this and reminding everyone, this is one of the concerns people have when it comes to life insurance, or if you're listening to anti-whole life content, people who are against the strategy or against the product altogether, what they will often say is the earnings, the rate of return inside of a whole life insurance contract is just a return of premium. So you're overpaying and then you're getting that money back in the form of a dividend. And this is true, that is a factual statement. But what they leave out is the opportunity, if the policy is designed correctly, that you actually can get a surplus. So new money on top of your money that you overfunded into your whole life insurance contract that went towards death benefit premiums, right? Insurance protection. So not only is the dividend classified as a return of premium Since you are a part owner with a mutual insurance company like Guardian or MassMutual or others, you are participating also in the profits of the company. And because it remains classified as the legal language dividend, meaning return of premium, that means that surplus dollars is not taxable to you. As long as you use the policy in the tax-free way where you do policy loans or you take tax-free withdrawals up to the cost basis. So those are the, the 2 options there. As it pertains to how the cash value is growing, you're getting old money, a return of your money you paid in, And you're getting new money, new dividends, surplus profits that's pouring into the cash value, which is a living benefit that you get to use while living. Alright, so I want to make that very, very clear and just show you proof after proof after proof. This is the beauty about staying consistent and mastering a particular skill. I've now had the honor of serving this family for 8 years now. Working together. I just had a conversation with them today. It was an awesome one. It was an impactful one. It's always very, very productive speaking with the dad. And now I'm able to show you guys case study after case study. So my oldest policies are going to be written in 2018 and 2019. So those are going to be between 8 years old, 9 years old. Moving forward, so I'm excited to show the success of how a properly structured whole life policy looks like almost a decade later. Not too many people are doing that. Many people in the industry leave the industry after just a couple of years because they either weren't successful or they just didn't believe in what they were doing. So you guys get to see. The inner workings of this coming to play. So a couple things I want to share with you when you are considering putting a life insurance policy on a child, right? Or it could be a niece, could be a nephew, could be a younger family member with Insurable interest. That— some key details you need to be aware of. So number 1 is mom or dad, the biological mother or father, has to have life insurance already. So let's say you are a family member wanting to put a policy on someone else's child, or let's say you are a stepmom or stepdad. Now there's probably— I, I'm Pretty confident about this. But let's say you're a stepmom, stepdad, or you're a foster parent, and you have full legal guardianship over that child, then I'm pretty sure that stepmom or stepdad or foster dad, foster mom, would have to have life insurance because they're the legal guardian over that child. So now they bear the responsibility over that child. Then, then we would not have to have the biological mom or biological dad have life insurance. It would have to be whoever the legal guardian is over that child. So just keep that in mind. I am like 99% certain of that. There's a small chance that I'm, I'm wrong, but there's situations where, you know, what if mom or dad is not living? What if mom and/or dad do not have legal guardianship over that child? They relinquished that to the state and the state gave it to the foster parent, or, you know, there's so many different scenarios of that. What I will say is the scenario of, say you have a stepmom Married to to the dad, biological dad. Dad has a son. Let's say he's divorced from the mom. So dad remarried, new stepmom, and. Dad has split custody with mom over the son. In this example, mom or dad has to have life insurance. It doesn't matter how much life insurance mom has, it would be based off dad or mom in that Situation, right? Or if you flip it, say you're a stepdad, um, and let's just say there's no courts involved, but stepdad and new wife are taking full care of son and mom's no longer in the picture. If there hasn't been a legal Like relinquishing of that mom's rights, then it still would— I would imagine it would still be that dad or that biological mom has to have life insurance. One or the other. It doesn't have to be both. One or the other. Whoever's taking charge of this transaction in this kind of scenario, most likely in this case it would be the dad, right? If mom's not in the picture or Flip it. If dad's not in the picture and mom's involved, mom's in charge. Then moms and dads listening, you would want to be the owner, or you'll be the owner, sole owner, 100% of that policy over that child. Same goes for the foster parents. Foster parents or Stepmom with biological dad, or dad with new stepmom, new wife, you could be like 50/50 ownership over that policy, or it could just be whoever the biological parents are that take full ownership. So that was a lot, but I'm pretty sure you get those questions. There's a lot of families nowadays, right? Nuclear What is it? Not nuclear family, right? Where there's a stepmom or stepdad, right? There's lots of different situations like that. So when, when that comes up, again, parents got to have life insurance. Let's use an example. Let's say dad has $1 million of Death benefit protection, then the son or daughter can get up to half of what mom or dad has in death benefit. If mom has $1.5 million of death benefit and dad has $1 million, it goes off of who has the highest amount of Death benefit is the most amount of coverage you can get on a child. So up to half of parents' death benefit. All right, so $500,000. Now there's 2 ways to solve for this when you're looking at a policy or you're looking at putting a policy on a child. And you're looking at incorporating infinite banking. Depending on how much money you're going to contribute into a policy for your child, because it's so inexpensive to put a lot of insurance on a child, there's 2 different ways we can go about this. Maybe 3. Way number 1, which is most popular, right? So let's do option 1. You solve for death benefit. So if you're solving for death benefit, you're not necessarily doing infinite banking. It still kind of could be. Done. It just will take longer to really experience the banking concept. But because you're solving for maximum amount of death benefit, max amount of coverage, you're solving for just, just covering the child, having that insurance. So notice how this $3,600 on a 10-year-old female at the time got us a death benefit of $559,010. That's because this was designed for minimum death benefit, max cash value performance. $3,600 a year on a 10-year-old female can actually get way more death benefit than that $559,000. So just keep that in mind. So this was more so solved For IBC, minimum death benefit protection, max cash value performance. So if you're a parent, you have a lot of death benefit coverage— $1 million, $2 million, $3 million, whatever it is— and you want to just put the very you, you want to have the most amount of coverage on your child, which I think is super wise to consider, here's where you get option 3, is you can get the best of both worlds. Coming back to this design, $3,600 a year. The base premium is what? $360? So that means policy design— what is this? Can anyone tell me what kind of design this policy is? If the total funding amount is $3,600 and my base premium is $360? Yes, thank you. 90/10. Perfect. So what that is saying is we're allocating roughly 90% of our money is going to cash value accumulation column, PUAs. The other 10% is just covering the permanent death benefit protection, the whole life part. That $360 goes to whole life coverage. The rest is term and PUA. That dramatically increases the cash value. Okay, so with that being said, let's say that I'm gonna do a— let's just do some bigger numbers here. If someone was solving They were like, you know, I would like to get the most amount of coverage for my kid but still solve for infinite banking. Then all we're doing is allowing A higher amount of funding to go into the account. So I'll use these numbers here. Say $3,600 with— if we were solving for max death benefit, could get this child $1,000,000. All right, let's just say, all right, $1,000,000, $3,600 a year. Say that was the case. But if we were solving for infinite banking, a million dollars, we might be able to fund, say, 3, 6, 6, 7, call it 7,500 per year. Let's just say that was the case. And so $7,500, and say you did a 10/90 split design, so the base premium is $750,000 or around that number, and it gave you $1,000,000. But let's say you can only fund $3,600 a year. So we have 2 options. Either A, based on what you can afford today, 2019, this parent could afford $3,600 a year. If you divide that out by 12, that's $300 a month. So that's what this father could afford at the time. And so we solved to maximize those dollars. 8 years later, I've mastered this. I've gotten much better. I didn't know I could do this. So if I were to go back in time and then let this person know, hey, because you have multiple millions of dollars of coverage through work, if we were to solve for max death benefit but also IBC at the same time, it'll cost you more money in insurance coverage. But you'll have the ability to put more money into this as you grow in your career, right? As you thrive. So this does have a little bit of risk, right? Because you're subjecting yourself to a much higher amount of insurance. So that's going to be more expensive. But again, on a child, it's not a crazy figure. Right, so in the beginning, say you're putting in $3,600, right? And your premium, let's just say, is $750 now. So it's double. So that means I got $2,850 going to PUA. And then $750 is going to base premium in that example, right? What would be the split on that, like 20%? I think it's like 22— let's see, 22%? No, 21%. Yeah. So this would be a 80/20 split, roughly. But it's designed to be a 90/10 if they what? Increase their funding. So say in the early years, they do $3,600, $3,600, $3,600. A few years go by, they increase their income, things are going better, they're able to save more money, and they start funding up to $7,500 per year. With that $1,000,000 death benefit, this is a way to take both option 1 and option 2, and you get the best of both— best of both options. The con, number one con, higher cost upfront, more risk. Because if you don't increase your income, if life doesn't get better, if finances don't get better, that can absolutely happen. Then what? Well, now you're This policy is kind of lagging because it's paying for all that insurance coverage. From an infinite banking, I guess, perspective, from a cash flow accumulation perspective, you could say, okay, this isn't performing as efficiently. But you could also say, I got $1,000,000 of death benefit on my kid. No matter what happens, As long as I pay that number, right, the premium PUA, as long as I continue to pay $3,600 a year, my kid's going to have a $1,000,000 death benefit that they never have to qualify for in their later life. I think it's one of the most powerful assets that can get transferred to the next generation if you put the maximum amount of coverage allowed Does that make sense? Any questions around that? Let me know if that's clear. Again, no good or bad, right or wrong here. This is more what are you more in alignment with. Are you more in alignment with the legacy aspect of it, the longevity, the other additional benefits of being able to transfer the amount of coverage to the next generation that they never have to qualify for. You're insuring them at their youngest, healthiest possible time in their life for the least amount of cost that will ever be. And this ultimately protects them from having to qualify later in life when they have a family, when they start their family. When they start to think about legacy and planning and all that. They're not thinking about this as a teenager. You, the parent, are. So you're giving them this tremendous head start in advance. Pretty cool. Now let's say your kid decides to go to the military, become a Navy SEAL, or goes and becomes a fireman, a police officer, basically obtaining a type of career that would put their life in harm's way or potential harm's way or higher potential of injury, you know, acts, vulnerability to diseases and all kinds of things like that. Well, guess what? Insurance companies know this. So insurance companies will only issue death benefit coverage on certain types of careers. They'll put caps on certain types of careers, especially the military. So anyone listening here that's in the military, when you're active duty, you're not necessarily going to get the most amount of coverage that a civilian, same age, same health, same everything, same gender, right, would get because the civilian is not in potential harm's way, unlike— An active military in any branch for that matter could be. So that's a very unique aspect. Getting insurance on your child before they decide what they want to be in life, I think, is really something to consider that going back 8 years ago, I wasn't even thinking about that. My only mindset was IBC. Max fund it, minimum insurance expense, low risk. If they have to go down in funding, cool, they can go back up, they can go down and go back up. They fund it, $559,000 on a 10-year-old is still plenty of money. It's still plenty of money to protect that child from, you know, an unfortunate early passing or a chronic or terminal illness that the family would have More than enough money to protect them for you know expensive medical costs and etc., etc. I'm gonna take a quick break and let's see what questions are coming in. So is that Valerie? Yes. So Valerie says, "Does it matter if the parent's policy is term or permanent?" No, it does not. In fact. Let's say mom has a $500,000 term and a $100,000 whole life, all combined $600,000. Let's say dad has $1,000,000 of insurance through work and he has a personal whole life policy for $250,000, $1,250,000 altogether. So it doesn't matter if it's term or permanent or if it's group insurance through an employer. Everything gets added up. Divide that number in half. That's roughly how much you can get on each of your children under the age of 18. The other thing I have noticed being in the industry, sometimes I work with families who have 4 or 5 kids, 3 kids, but they're pretty far in age groups, but they're still all under 18. So say you have a 2-year-old, a 10-year-old, and a 15-year-old. What I have noticed, the insurance carriers— one time I was doing this for a family, it was something similar, it was like a 2-year-old, a 10-year-old, and like a 15-year-old. Naturally, between The dad I'm working with and myself, he was thinking put more money towards the 15-year-old, a little less money towards the 10-year-old, and a little less money towards the 2-year-old because the 15-year-old is closer to college, closer to leaving the nest. So they want to build up wealth for that 15-year-old. And so we submitted it with different death benefit amounts. Okay. Roughly, you know, more for the 15-year-old, a little bit less for the 10, a little bit less for the 2-year-old. Insurance company came back and said, why are all these death benefits and funding amounts different? So we just had to provide a little more explanation. At the end of the day, it ended up being just fine. I think we had to tweak the 2-year-old a little bit. Because the death benefit was actually more than the 15-year-old. Because again, like when you're 2 years old, you know, $800,000 of, say, death benefit compared to $800,000 on a 15-year-old, it is a difference in pricing quite a bit. So I think we actually had to end up reducing just a little bit to kind of, you know, match things a little bit. So there was a little bit of a back and forth with the insurance carrier, but it's not like it's impossible. To make that, make that happen. So if you're thinking like that as a parent, like, okay, I got this one's 12, this one's 6, this one's just, just born, I want to focus on the older one, put more insurance. What I have seen is if you're only getting coverage on one of your children, the insurance companies do want to see you get coverage on all of your kids. I have, I have seen that, um, as like, you know, why is this not, not happening? I still think it can, it can pass through, um, but that may set the standard as to what the insurance carrier will approve when you eventually get policies on the next kids. All right, good stuff so far. Interesting. Let's see what more, more questions are coming in. Let's see. Can this be done on adult children, 20, 22 years? Yes, absolutely. Now the rules change a little bit. So, and then, does life insurance through your job count for mom and dad? Yes. So yeah, so for, for Devaney's question, the first question, can this be done on adult children? Say you're, say you're a mom or dad and You're in your 50s, you've got grown kids now, they're out of the house, they're making their own money, they're not living with you, or maybe they are, that part kind of doesn't matter. Um, the thing that you need to communicate with your kid is whether you're going to be the owner of the policy or if they're going to be the owner of the policy. If you have your child Now grown adult child. If you're gonna have them be the sole owner, then your income won't matter in the qualification of death benefits. So that can actually be a hindrance. Because say you have a 20-year-old, a 19-year-old, a 21-year-old working at Starbucks. They're only making $20,000 a year, $30,000 a year. They're not making a whole lot of money. But you want to contribute 15 grand, 10 grand or more into a policy. I don't believe that would that the child alone would get approved for that amount of death benefit because now it's based off their age, their health, their income. If you're making them the owner, if mom, dad, if you're going to remain the owner. of the policy and they're the insured. Now your income gets factored in on top of their income, and this can help push a larger policy design. I did this recently for a— I want to say he was like 26 at the time, 26, 27. The mom was committing to giving the son at least $20,000 a year for tuition because the son is going to become a lawyer. So we had did the math. I think mom was basically setting aside $80,000 over a 4-year period to help her son getting through college. It's going to help finance most of The son's college expense for tuition. So I told her, I said, well, what if we took a portion of that money, or majority of it, funded a whole life policy on him? You'd be the owner, or it could be him. We were able to get it approved, and so she is a payer on his policy. She's able to fund his policy every single year. And the advantage of your grown son or daughter above 18 when they're the owner is they won't have a tax liability to deal with. when the transfer of ownership occurs. So for all children under 18, they're going to experience a one-time taxable event on the gain of the whole life policy to dividends, because it was your money funding the policy, not theirs. So they get the— that one step-up in principal funded. It's only the gain. That they're being taxed on. It's not going to be a huge, huge amount. So one time, now they're the owner, they're funding the policy, now the whole thing is tax-free in their lifetime. Okay, good stuff. Let's see. Didn't know this, thank you. So if they started this policy for their child as an infant, is there a limit on how many policies Can one child have before 18? Not necessarily. The limit is how much death benefit does mom or dad have. So if this father here were to obtain more life insurance coverage, then he could get more coverage on his daughter. This father in particular has a couple million dollars, so there's plenty of space if he wanted to get a second policy. on his kid, he could totally do that. When you take out a policy on someone other than yourself, is the owner usually the beneficiary as well? Ideally, yes, especially if you're the one funding it. So in my household, I am funding a policy on my youngest Sister, and I'm also funding a policy on my mom. Both of those policies I'm a beneficiary on because I'm funding those things. I'm making sure that my loved ones are, are covered. If something were to happen, I trust myself to distribute the funds accordingly for funeral expenses, hospital expenses, whatever it may be. I don't trust anybody else at that level. So I think it's wise if you, mom or dad or family member that wants to get a policy on a loved one that's not necessarily your child, I think it's wise if you're the beneficiary of that policy and you're just using that younger individual's health to maximize the cash value performance that's growing in the account. And until that person becomes of age of maturity, where you've now taught them the strategy, they want to fund the policy themselves, you relinquish the responsibility onto them. Now you're no longer funding the asset, and you've just transferred a tremendous amount of wealth to the next generation. I think that's, you know, an awesome thing. So yeah, Valerie, I think I would personally do that. That's how I would advise all my clients. Yeah, be the beneficiary. And it, you know, doesn't— if you want to do like 80% to you, 10% to the siblings, or of that child, that's cool too, right? However you want to do it, but I would make sure that you're at least on there at the, at the very least. Chances are you outlive the younger individual, that's the hope, that, that, that, that never is an issue. If, if you pass away first, right, then there's an immediate transfer of ownership To that child that you put the policy on, right? And that's not— there's not a whole lot of paperwork with that. It's already built into the policy. It's called a transfer of ownership rider. Pretty simple, pretty straightforward process if you pass away before, right? Ideally, we don't want The younger person to pass away first, but if that were to happen, I would want you to be in charge because most likely you're the one in the family everyone's going to anyways. So if you're in charge of that money, then you then disperse the funds how you want it to be dispersed. It is also wise to create some percentages. So for example, Put a policy on a 10-year-old. The 10-year-old's not 6— now 16. I'll just use this child as an example. God forbid, say this child passes away, 16 years old, $559,000 death benefit. So let's say you had that, someone in, in your family. Ideally, if that child has siblings also under the age of 18, Then you're going to want to, especially if you want wealth to go to the next generation, you want it to go to them tax-free, right? So it can be tax-free paid to the heir, but whoever the legal guardian is at that point in time would, of those surviving siblings, that person I think is in charge of the funds at that point. You yourself, you receive all the money tax-free of that child passing away in this, in this example. So it all comes to you, say you're 100% beneficiary or you split it up, whatever it is, it's still 100% completely tax-free. So you can then send the money out however you want, use it however you want, and there's not going to be any, any taxes on that, okay. Is PUA the same as rider? Is there a list of rider names/categories? Yes. So, PUA stands for Paid Up Additions, right? And there are other Like names that specific insurance carriers might call PUA. So just, just think PUA is the general term referring to the money that is going directly to the cash value. Understand that every dollar that you pay into a whole life contract, every dollar you pay Technically goes to death benefit. Then there's like a dual thing that occurs. So you have whole life premiums that you pay, and those premiums do produce a dividend and some guarantees. PUA, for example, with MassMutual, they call it LISR, life insurance supplemental rider, and then ALIR, additional life insurance rider. That's, in other words, that's your PUA column. Those 2 riders are purchasing term insurance, more death benefit, or additional permanent death benefit coverage, and then instantly results in the cash value column, living benefit, which is like an extension of the death benefit. The living benefit column, the cash value, you can use however you want. So PUA, paid-up additions, or whatever they name it on your policy, it's still called PUAs, paid-up additions. All right, there's other types of riders like waiver of premium rider Terminal illness rider, chronic illness rider, accelerated death benefit rider. Those are just additional things that come with the policy that you can add or remove. Some are free, some are, you know, will have some fees attached to it, and that just adds more like protections around, around the policy. Is there a certification to offer these types of policies? There, there is not a required certification to sell one of these policies. You either, you either know how to design it or you don't. Now, there are maybe 2 communities that have a paid program. You've got the Nelson Nash Institute that's called IBC Practitioners, and it is a— call it an unaccredited certification. No insurance company is going to look at that certification and give you anything for it, so we'll just label it unaccredited certification that they provide this training program. You pay some money into it, there's some ongoing fees, membership, things like that. And in that program, you would learn how to, say, design these policies the way they, they teach it. The other community is the Bank on Yourself community. I believe the Bank on Yourself community also has a certification. Outside of that, everyone in the industry that is well known, either you work under them and you just split business and they show you how to design the policy. So you can do it that way, where instead of me coming out of pocket for a certification that isn't necessarily gonna do much other than maybe get me more business, and you're gonna learn. So that's, you know, that's nice, that's helpful. But if you want to take the free route, then I would say there's only a handful of people on the internet, number one, that have a reputable, um, you know, standing in, in the industry where you can get mentored under them for free. And you just— you, whatever business you bring them, you split the work, you do joint work, and they show you how to do everything. The agency that I'm building with my partner Sebastian Boyer, he's someone that can help you learn how to design policies with different carriers, and you can get that training and it's all free. And when you bring business, you just split that business. With him, with myself, anyone you decide to work with. I think that's, in my opinion, I think that's the best way to do it. That's how I did it personally when I got into the space. I first went to look for a mentor. My mentor is Steve Parisi. He has a YouTube channel, IBC Global, so shout out to him. And he's been my mentor now for the last 8 years. I've written the vast majority of my clients that I work with are clients of his agency. And so I'm partnered with his agency, and I learned how to do policy design, how to understand it and read policies and be able to educate clients. His team actually designs— they're the designers that design policies for me day in and day out. And so I just leverage them because that's what they're good at, and then I just explain it to You all, right? Show you the illustration. Here's what these columns mean. Here's what this means. This is what that does. Here's how this works. And after thousands of consultations and years of doing this, I'm pretty confident. What I also like about the whole life space is there's not a whole lot of changes that occurs. I've been saying the same thing 8 years ago Still today, whole life provides tax-free deferred growth, tax-free use via policy loans and withdrawals. You get a guaranteed rate of return, you get a non-guaranteed dividend rate upwards of 2+%. It's kind of— it's been that way last 8 years. You have liquidity, you have guarantees, it's a private asset, and it's just been the same conversation all these years. So there's a couple more things I want to share with you. Other things that you should consider and ways of making comparisons with other types of accounts that most of you are aware of as it pertains to accounts that we can set up for our children, for the next generation, to, to give them a head start and start building wealth for them. Most Americans are familiar with 529 plans, Roth IRAs, brokerage accounts, and savings accounts. Most families will obtain one or all of these accounts for their kids at some point in time. So you might decide to open up a savings account for your kid, a brokerage account for your kid. Now I'm just going to label some critical points for you to be aware of. If you were to open up a savings account for your child, it's a public account. It's taxable. It's liquid, right? You can take the money out anytime, right? You can replenish it. There's no guarantees of a rate of return. You're going to—you're probably going to get a low rate of return—one percent, two percent, maybe three—just with a savings account. So I would say that's not exactly. An efficient account that I would recommend my clients, my audience to, you know, open for your kids. Next, you have a brokerage account, a standard brokerage account— Schwab, Vanguard, Fidelity, Robinhood, you name it. You open up an account for them and you begin investing under a kid's investment account. It's public, it's taxable, it's liquid, right? You'd have to sell whatever was in the account and turn into cash, and you have that cash, but there's no guarantees as well. In my opinion, I don't think that's as efficient as well. All right, a 529 plan, I think is quite efficient outside of a whole life policy, which in my opinion, I think a whole life policy is one of the most efficient type of accounts that you can open for your kids, especially if they're not making any income, if they're not working. And for my, for my families who are not business owners. For my families who are business owners, you probably already know the strategy of putting your kids on the payroll in the company and paying them a salary. When you pay them a salary, you open up access to different types of accounts that become accessible to them because now that child has income. A Roth IRA is an example of that. The only way to open up a Roth IRA for a child is if the child under 18 years old has income. If they don't have any income, they can't have a Roth IRA. So if you have a 2-year-old, a 4-year-old, a 6-year-old, and you have a business, your wife has a business, your husband has a business, and there's enough capital in there to hire your 2-year-old, your 4-year-old, your 6-year-old in your company, that's going to open up tax incentives, tax deductions for you, the corporation, the business. And be able to pass on wealth tax-free strategically to your kid, which then the kid can then take that money that they earned in daddy or mommy's business and now dump that into a Roth IRA. Now that money growing in the Roth IRA grows tax-free for the rest of their life. But again, it's only accessible with income. So let's say you're able to do that. Roth IRA. I would say very efficient. It's a public account. It's tax-free on the money going in, right? It's after taxes, right? Money going in, tax-free growth, right? And tax-free use. Now there's some liquidity In a Roth IRA, you can only access the principal that you've contributed into the Roth IRA, and then you have a small window to put the money back in. So it's somewhat liquid, not as much. Ideally, it's not an account that you want to liquidate. It's, it's a retirement account for your kid that you're setting up years and years in advance. And again, there's no guarantees. You could get a high rate of return, you could lose money. There's maybe some fees attached. It is the stock market, it goes up and down. But you know, overall, say a 60-year period, oh my goodness, you're gonna have a lot of money built up in there. So I have no— I, I wouldn't even make that as a selling point. No, no guarantees. I'm just stating the facts. It's not something to discourage you from not having a Roth IRA on, on one or all of your kids. Then you have the 529 plans. It's a public account, it has some tax-free use, so it's tax-free some use, meaning the money that grows in there can be used tax-free for educational expenses. If the kid decides not to go to college and not use any of that money, I believe there's some— I forgot the terms of it. If someone knows off the top of their head, I might be saying it wrong, but essentially you do not get the growth of that money. And if you use it for something else, now you create a taxable event. And, um, the gains— I don't, I don't think you keep the gains in the 529 if it's not used for education. I think you get the principal returns to you. So I think there's some rules around it. Uh, there's some liquidity, right, for educational expenses for that child. Again, no guarantees, but I would still give this a check. I, I think a 529 plan is not a bad account to have. Now what I did learn recently, learned this through some videos that popped up on my feed Is I'm just going to make a point here. With a 529 plan, ownership matters. I'm just going to plant that seed in your brain, and you can do a little more research on this because I don't know everything about it. But from what I've seen so far on some videos and things I've been reading about the 529 plan, that if you have your grand if you have the grandparent. Own the 529. I think there's some strategic use of funds there and how that money can work. There's, there's a strategy when it comes to the 529 plan if the kid doesn't go to college, doesn't decide to use the money for, you know, educational purposes. There's, there's something around it. Oh, I think, I think here's what it is. If Grandpa owns the 529 plan, now that asset, that 529, because it's a public account, that means when you go to apply for, I don't know, FAFSA And, you know, government help, let's say, for college tuition, the 529 won't be counted as an asset on mom or dad's balance sheet in terms of what they can afford for their kid to go to college. So it sort of is like a bit of a loophole where it's like, okay, if you have grandpa or grandma own the 529, Mom or dad doesn't have a 529 plan. Now, um, when that child goes to college and government's looking at mom or dad assets, even though the kid has a 529 plan, it's not owned by the mom or the dad, so it won't hinder the kid from maybe getting some more money from the government, let's say. So I think there's, there's like some strategic use there. It's worth looking, looking into. All right, so, so we've gone through the most popular accounts that most people get on their kids: 529 plans, Roth IRAs, brokerage accounts, savings accounts. But no one— not too many people, very few— talk about whole life policies on your kids. A whole life policy is tax-free growth, tax-deferred growth, tax-free use. You have guarantees. You get a guaranteed death benefit. You get guaranteed living benefit protections. You get guaranteed cash value growth. You get non-guaranteed dividends that have paid for over 150+ years. So it's about as close to guaranteed as you could get. It's fully liquid. However much cash value is in the life insurance contract, you're able to liquidate up to 90% of the cash value. And when you borrow against the cash value, your money keeps growing uninterrupted. So now money can be used in 2 different places. Here's another thing. The whole life policy, it's a completely private asset. It's completely private. So it does not show up as a listed asset when you go applying for different things through the government, let's say, for education and support in that matter. So you have that advantage. That's huge. Okay, so my favorite accounts— whole life policy, I think, as a foundational asset for your kids. That would be like the first account I would set up. If you're in a position where you run a business of your own, or if the child is old enough, under 18, they have some income Open up a Roth IRA for them, and then whatever money they're making, have them contribute some money into a Roth IRA. 529 plans, I think, are also pretty efficient if you if you know like for certain that they're going to go to college. All right, but if you're not, let's say you're in a family that no one went to college. You're not really inspiring your kids to go to college. Or really do any of that, then hey, it may not be something you, you get because you're like, I'm gonna encourage them to be entrepreneurs, I'm gonna encourage them to start their own business. So then you look into these other accounts that are more efficient. And let me just do something real quick. My camera got a little Blurry there. I think it's better now. All right, any other questions around obtaining a policy for the infinite banking strategy on your kids? Covered, you know, give you a case study of like what a policy is, how it's performing, how it's looking. It's a slow burn type of an account, right? As you can see, it took what, 7 years just for the money to break even. $30,000 or so cash value, $28,000 put in. So it's, it's not necessarily growing faster than a Roth IRA would or a 529. It most certainly won't outperform those accounts, but you get all these other benefits— the tax-free growth, tax-free use, the liquidity. It's a private asset, so you're getting a laundry list of other benefits that you factor in. To the account that I believe pairs very well with a Roth IRA or a 529 plan. Okay, I think it, I think it pairs, pairs very well with that. Hmm. In terms of like, hey, how do you decide how much to fund into a policy on your kids? Right, I would base it off of Same thing that I do when it comes to your own income, expense, cash flow, and debt. Take your cash flow per month times 12, whatever that number is, right? And then times it by 2/3. Whatever that number is, and minus from what— whatever it is you're already doing with your money. So I'll use an example. Let's say someone is cash flowing $2,000 a month times 12, $24,000 a year times 2/3. Times 2/3 is $15,840. Let's just say this family is already putting $10,000 a year into a whole life on mom. Alright, so let's say mom's got a whole life policy Say dad has term, and they have one child. So I would minus fifteen eight forty from ten. That leaves me with five thousand eight forty, and then I would take that number and times it by two thirds. Five thousand eight forty. Five thousand eight forty times two thirds. And I would— and I round down. Whatever the number is, it was $3,854.40. I'll round down and say no more than $3,800 a year. $3,800 a year divided by 12 is $316 a month. Call it $300 a month. And if you've got 2, 3, however many kids, say you got 3 kids, right? Then I'm doing $100 each, $100 a month each kid. A very low, very doable number based on your cash flows is how I would help You determine how much to fund a policy on your kids. Because again, like, you don't want to put too much capital to the next generation if you yourself don't have a whole lot of capital to work with. So you want to make sure your house is in order, your things are in order financially, that you have really good cash flows, and you're just peeling off Additional money for savings on each of the kids. And you're just doing $100 a month, $100 a month, $100 a month, or $222, $333, whatever it is. Small dollar amount that's not gonna affect your income and cash flow in any way, because the last thing you want to be doing is borrowing from a child's policy to fund an expense you weren't expecting that came up. So we don't want to be in that position. That can really That can really mess things up for the kid. It can just mess with your mind. You don't want to do that. All right, now let's see if I see any other questions in here. Got 9 people in the house on YouTube. Appreciate you all tuning in. Let's see. Is 7 years the best you can get to be in the green. Like, I would say 4 to 7 years is the range. So the more money you fund into a whole life policy, usually the faster the break-even period. I've never seen a policy break even in year 2 or year 3. That's Like normal funding. The earliest break-even period I ever seen was 4 years, and that was because in year 1, the person funded above, like way above what they were initially set out to do. One of the things that you can do with whole life, and I'm working with a client right now on this, Is you can do a lump sum dump-in to a whole life contract in the first year. Let's say for example your base premium is $1,000. Typically the most that you can fund into a policy is 10x what you're paying in base premium. So if your base premium is $1,000, you can probably pay in about $10,000 a year into that policy. Guardian, for example, if you're going to do a lump sum pay-in the first year, you can do upwards of like 50x the base premium, but only in the first year. The preceding year, that number would go down to, say, $10,000. So if someone has a base premium of $1,000 and some change, let's say, and they want to do a lump sum pay-in of $50,000, I think the base premium can be like— it can be a little bit less than $5,000. But you can only do that one lump sum pay in the first year. So it's basically pulling your MEC limit from future years into the first, and now that money is starting to grow day one. If you keep funding the policy adequately, optimally, efficiently the preceding years, that policy could potentially break even by like Year 4, year 5. Generally, most policy designs that I'm setting up for clients, that break-even period is 5 to 7 years. Just depends on the carrier and what we were solving for. So I'd rather just be conservative. I just tell people like, yeah, 6 7 years to, to break even. If it happens sooner, that's because the dividends maybe went up from what it was originally designed to do, and that sometimes that happens. But dividend rates can also go down, so I like to just be super conservative with that. Awesome, have my license. I'll be reaching out to discuss further. Yeah, happy to have— happy to work with you, do joint work, learn this. It's a fun community, it's a tight community. There's not a whole lot of people doing this. I said this in my last video, one of the reasons why is you're not making a whole lot of money on these types of policy designs. So when you drive the premium down, you're taking a massive haircut commission when you do that. But as a result, the client is that much happier because they see so much more cash value in the early years. The only way to have high cash value in the early years on any whole life insurance contract is the agent has to be willing to take a massive haircut commission. They have to be willing to drive their commission all the way down to the minimum. So That's just what it is. So say someone's paying in $10,000 a year into a policy, I could make $10,000 roughly on someone paying in $10,000 into a policy, or I can make as little as $1,000. Which would you rather do? Get paid $10,000 or get paid $1,000? If you say get paid $1,000, This industry is right for you. This space is right for you. And you're willing to take massive haircut commission, do the right thing for the client. And what you lose in commission, you'll make up in volume because that client will send you their whole entire family. Okay, now put a policy on my wife, put a policy on my brother and sister, put a policy on my kids, put a policy on my nephews, put a policy— boom, boom, boom, boom. You start serving 10, 15 members in just, in just one All being designed for max cash value. Okay, great question. So can you use an IUL as an infinite banking policy? Many have tried to do this. It's been a growing subject and topic in the financial industry. It is unfortunately failing miserably at a very, very high level. There's a lot of unhappy customers. There's a lot of— there's just not a whole lot of successful case studies on this. There just isn't. Indexed universal life insurance has been around since I was born, 1996. It's only 30 years old. IUL didn't really take off till after the recession around 2007, 2008. Since that time, we have seen at least 20 different iterations of an indexed universal life insurance policy. So there's so many different iterations of IULs, there's so many different regulations that have come out since then, that when you really start peeling back all the layers of putting an IUL with the intent of doing infinite banking what ends up happening is the client is unable to really practically put this in practice. Just practically speaking, most customers don't understand their IUL contract at all. They don't know what's contained in it, so that's a problem. And the third is most agents really don't know what they're doing with IUL design. So even if you have a perfectly designed IUL, but the customer doesn't know what's going on in the account, it can ultimately lead to failure. Versus a whole life policy, the very foundation of it— higher guarantees, higher protection, stronger dividends in terms of performance, not illustrated but actual performance. That a novice, a beginner, as long as they know to save money in my whole life policy, they don't have to think about the rate of return because they're going to have a predictable rate of return every single year. They're going to have a predictable policy loan rate every single year that has no effect to the policy's cash value growth. And they have that layered-in protection. They don't have to worry about what the death benefit's going to be God knows how many years from now. They don't have to make massive changes to the policies in any given year. There's just way less levers to pull on when it comes to a whole life. It's more of a stagnant account. It's more about what you do outside of the account. An IUL is designed more towards like what's going on in the account and how the account itself could perform a higher rate of return. It most absolutely could, but the problem is, is we're just not seeing that on a massive scale of success. We're just not. I hope it works out for some that are doing it, but I'm— in the last 8 years, I've worked with a lot of clients that came to me with IULs that were a few years old. They were told it was designed for infinite banking, and it's just not performing as well. It's performing sometimes worse than a whole life contract, which really sucks, or close to a whole life. And if that's the case, you might as well just have gotten a whole life, right? What is the percentage of interest on a policy loan? Your typical loan rates right now in 2026, typical policy loans are ranging as low as 4.75% to as high as 5.8% is what I'm seeing right now. 4.75% to about 5.8%. In general, I usually see policy loans are about 1% to 2 percentage points below prime. Prime right now is 6.75%. So right now you could get a loan with Guardian or Mass somewhere in the 5-ish, 5.5-ish percent range, depends on the product. Super low interest rate, right? The first couple years you're running a negative in the whole life. So if you borrow money in the early years of the policy, you have to make sure you're earning a much higher return outside of the policy and not just relying on the growth inside of the policy. Once you get past the break-even point, your policy's performance in a whole life is probably going to be around 1% to 2% net growth. Alright, so if you're having a 1% to 2% net growth on your cash value, but you have a 5% policy loan, in some cases it's still not going to be enough to create a spread. So you still got to make sure whatever you're doing outside of the policy is earning much more than what your loan rate cost is. Last week I did an analysis where I showed how in year 8, how I showed a policy was producing an internal rate of return of about 4.3% to 4.5%. Their loan rate is 5.5%, but when you look at the math in terms of the total amount of cash value versus how much you loan out, you can create a positive offset internally, and then the bonus is whatever you earned outside the policy. Okay, so it's those 2 factors that's coming together To make up— to make sense of when I borrow this money out of this policy, here's my internal costs, here's my internal growth, here's what I made outside the policy. And then that's your ideal formula for infinite banking. In an IUL, you have an unknown rate of return that's not predictable. With low, low guarantees. When you take a loan out of an IUL, there are changes to what the cash value will perform now at. So it'll change. You have unborrowed funds earning a certain rate, and then you have your borrowed funds earning a certain rate, and it can get really, really murky and confusing. Then you borrow the money out and it's like, okay, what are you going to do with that money? To go earn more if your IUL is supposed to be earning, you know, 9%, 10%, or whatever the case. So if you borrow at, say, 5.5%, 5%, usually the IUL loan rates are similar to whole life policy loan rates. They're quite similar, not too far off in interest rates. But when you borrow money out of the IUL, it's like, what are you going to do with it? You know, you have to earn like 15+ percent or more because you got to factor in, you know, taxes, and you have to factor in the uncertainty that this money may not grow adequately enough. So you got to like account for more things, more risk, versus in a whole life you don't. It's predictable. You know exactly what your growth is going to be. You can go off the guarantees and you can go off the Midpoint assumptions, and you'd be good to go. All right, so it's eight o'clock. I'm gonna wrap up here. I got a few things I want to share with you—a couple of things that's been going on in the finance geek community recently. We had. A husband pass away. So there is someone that follows me that I'm working with, and she reached out to me to let me know that her husband passed away. So I'm keeping her name private and anonymous, but I do want to ask everyone here present watching live, those catching the recording, those who are coming in from different communities like the Increase Academy and others, that you would just send a prayer out to this now widow who's lost her husband. She's in a tough financial position, but my, my team, myself, we're going to be working with her to, to help her recover. This is my calling. This is my purpose. I've said this so many times over. Helping mothers, helping single moms, divorced moms, widows has been my mission. So when this happens, it's an honor to be considered to serve that mother, that widow that now has to go through this. And I just want to encourage her and in this community, this is a safe place to reach out for help. In some cases financially, some cases just support strategy. How do we move forward from here? Understanding your situation. I have an entire ministry called Finance Geek Ministry where I coach people for free. I talk to people for free. I educate them, give them strategy, especially folks who are going through things like this where they lose a spouse, they lose someone that most likely was making money, handling the finances. Most of the time women are not in charge of the money, and then when they become a widow, they now have 100% responsibility and control over the money. And there's not exactly financial firms out there attracting widows because they're not exactly the best clients to work with. They don't have money most of the time, and they're a mess financially, or emotionally and spiritually, everything. So this community, what I'm doing is serving those women who become widows or who get divorced or go through financial turmoil, that they have somewhere they can turn to. I'm that guy. I've partnered with other folks who share in that same vision, and so that's happening at the moment. So I'd like everyone to just pray over that, over that family. All right. In addition, I want to pray over another wife at the moment that is a client reached out to me to inform that her husband was, was admitted into the emergency room. He has since been discharged from the hospital, but they weren't able to diagnose him. So they're gonna have to go back for more tests to figure out what's wrong. We actually don't know at this very moment what's the issue, but he's having some serious— I think some serious complications with his feet and maybe some mobility. So I just want to pray over that wife and her husband that he be fully restored, fully healed. From whatever it is that's going on. Not even the doctors understand what's going on at the moment. So just pray that we get answers as quickly as possible and that he recovers from this and is fully healed. I want to ask for everyone's prayer over that. This is a community that prays. This is a community that believes in healing and restoration. So I ask you for that. As well. This next prayer that I'm asking you all is going to be really, really tough for me to ask, and it's something I've been going through the last 24 hours or less. I've been trying to keep it together, so bear with me. This is going to be very triggering for some. If you have experienced something like this before, you know someone in your family that or or loved one, anyone that has gone through something like this. So I'm going to keep it. I'm going to keep it PG, and I'm not going to go into explicit detail for the sake of everyone. Here, and I'm not going to reveal any names. I'm going to keep everything anonymous and private at this at this time. But I am going to ask every one of you to pray over my family. Been dealing with something. It it it rocked me today. Couldn't sleep last night, but a family member of mine, young girl, was. I'm going to use the term SA'd, was SA'd at her school by another student that committed a crime, an evil crime, and it has It has scarred our whole family right now. So we're all trying to keep it together. We're praying. So I ask that you all pray over my family for clear minds, that God would remove all the evil thoughts and negative thoughts that we're all getting. For for all the fathers, all the men in the room, and even the mothers as well. But I can only imagine if your daughter gets SA'd by another child. A young boy happens on school grounds where where where you think you're sending your kid to a safe place, and it totally is. But in this in this one instance yesterday, my family member, young girl, teenager, had to go through this experience where she was she was SA'd. And now, so we're allowing the governing bodies of the school and the police department and everyone to extend the full extent of the law pressure onto that, onto that boy. And at the same time, I'm praying over that family for restoration, for repentance. Because it's part of my walk in faith to not do harm to anyone. But obviously the first reaction is I want to— you know, I'm sitting here questioning why that little boy is still breathing for what he did to one of my family members. But because of my faith and because of what I believe in, and I know God is sovereign, And he is in control. And according to the Bible, vengeance belongs to the Lord. And we as believers subject ourselves to the governing bodies of this world and allow the authorities of this world to issue justice for what just happened. So I just, I just, I really need everyone's prayer. Specifically to not help— help with my mind not going crazy and not spinning out and doing something that would ruin my career, my life ultimately. I don't want to break in that way, but we're all human and there's— we all have our breaking points, and I'm, I'm at mine. Today was a breaking day. So please send your prayers. If you book a call with me, if I seem off, this is why. On top of a lot of other things that are going on, people passing away in the community, and husbands are getting sick lately. And so it's just— it's been a lot. It's been a lot. And I'm asking for your help. I'm asking for all you to pray consistently for the next few weeks over my life, my family's life, over my family member that was SA'd recently. She now has to recover from this, heal from this, and she's going to need prayers and supports. And I know praying is the way. To heal from all these things, and I know that since I have this platform and I have this community of of people that I know love me and I love you guys, Devni. Appreciate your love always, and and Mindy and Glenn, and you know even new people in the community, people that are always consistent. Lorraine, I see you. You know Denny and others. This is a bad one. This is a bad one. And, um, I don't know what to do. I'm really praying I don't break and do something stupid. And so I'm putting myself publicly out there to prevent myself from doing something stupid. That would ruin my life. But again, we're human. And so right now, I just can't get these thoughts out of my head of the amount of pain that I want to deliver to this person that did this to my family member. And and the more you get to know me over the years, you know, I've I've kept it pretty professional. Most people don't really don't know my. My personal life, you guys, most of you guys know the surface level that my whole mission is helping moms, helping women. But it goes deeper than that. The the majority of women and the the women in my life, the women in my family. Have suffered a lot in their, in their time. Whether it was decisions that they made, didn't make, abuse, domestic violence—all these things occurred in my household to to to the women that I love in my life. And just when I thought. That we weren't going to experience any of that anymore. Now it gets passed on to the next generation. And so that's why I feel like I'm just like, I'm breaking. Because I want to protect women. I feel like I failed. So I appreciate you all. Really do. As soon as you can, get on my calendar, book time. For all my clients, you know who you are. Please keep me busy as hell. That's what I really want. All my clients, this is my outreach. Begging for help right now. Keep me busy. Keep me very busy, please. I need to work. You know, if I'm not working, I'm gonna be spinning. All right, that's all. Thank you, Glenn. Yep, yep. Yeah. Yep. Oh man. All right. Going to end in prayer, close the night. You guys have your mission, your task. Just keep Denzel busy, very busy. Hit me up, book a time. If you haven't booked a time in a while, get on my calendar. I don't care if you're a client or not, get on my calendar, book time with me, reach out, say, hey, let's get on a call, let's get on a call. Let's just— I just want to see my calendar stacked. I can't be thinking about this stuff. All right. Thank you, Father, for your for your grace, your mercy, your peace. You give me the strength to keep heads cool, keep my thoughts level, remove all these negative thoughts. Lord, I cast all this care onto you. Father, that you provide healing over my family, over myself, and my entire community as well. Lord, I pray over the wife that also just recently lost her husband, and I pray over my client who's, uh, currently dealing with some health concerns with her husband. Anyone else in the community that's dealing with anything Family members passing away, whatever it may be. Lord, you just provide a peace like no other. Peace and authority and the strength to keep moving forward in this sinful world that we live in. And we keep the focus. We keep the mission. All right. Amen. Amen. And amen. God bless you all. Have a good evening. We'll talk soon. All right, I'm gonna end the live stream. Thank you.