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Remnant Finance - Infinite Banking and Capital ControlAuthor: Brian Moody & Hans Toohey
Remnant Finance aims to revolutionize how you think about money. Join co-hosts Brian Moody and Hans Toohey, veteran military pilots and Authorized Infinite Banking Concept Practitioners of the NNI, as they dive deep into strategies that can transform your approach to personal finance. Whats Infinite Banking? Its a financial movement about taking control of your future and creating a system that preserves and grows your wealth across generations. Join us as we challenge the conventional and build financial independence together. Subscribe to navigate your financial future with confidence! Language: en Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: |
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E93 - What Is an Annuity and Should You Have One in 2026?
Episode 93
Friday, 3 April, 2026
Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________Hans brings back Travis McBride, a former helicopter pilot turned annuity and long-term care specialist, to walk through the entire annuity landscape. They start with the basics: what an annuity actually is, why only life insurance companies can offer them properly, and how the math of mortality pooling works in your favor when structured right. Then they get into the different flavors, from MYGAs to SPIAs to fixed index annuities with income riders, and make the case that right now, with rates still elevated, the payout environment is as strong as it's been in decades. The episode closes with a conversation about annuity audits and why anyone with an existing policy bought in a low-rate environment could be leaving thousands of dollars of guaranteed income on the table every single year.Chapters: 00:00 - Opening segment02:15 - Introduction to Travis04:00 - Why annuities have a bad reputation and who benefits from that narrative 07:30 - What is an annuity? The fifth grade explanation 11:00 - Why only life insurance companies offer annuities 13:30 - The quarter million dollar example and how mortality pooling works 18:30 - The 4% safe withdrawal rule and why Hans doesn't trust it 22:00 - Sequence of return risk: why the order of returns breaks retirement plans 24:00 - Interest rates and why annuity payouts are at historic highs right now 27:30 - Quality capital vs. quantity capital: where annuities fit 33:00 - The VA disability claim is worth $2.5 million in annuity terms 38:00 - Types of annuities: MYGA, SPIA, DIA, and fixed index with income rider 45:00 - How annuity taxation actually works (and why it's complicated) 49:00 - The annuity audit: what it is and why your existing policy may be underperforming 55:00 - Real example: $21,000 guaranteed income upgraded to $28,500 at no cost 58:00 - The bond mentality shift: certainty vs. trading 1:01:30 - Who should consider an annuity and at what age 1:04:30 - How annuities fit into the protect, save, growth framework 1:07:00 - Closing segmentKey Takeaways:Not every dollar's job is to maximize returns. Hans and Travis open with a framework that should reframe how you think about your whole strategy. Some capital is there for quantity, your retirement accounts chasing growth to overcome decades of illiquidity. Other capital is there for quality: certainty, guarantees, income you can build a life around. The 4% safe withdrawal rule has a fatal flaw almost nobody talks about. The Trinity study that produced that number looked at 30-year market windows. If you reverse the order of those same returns, the same person runs out of money in year 13. Sequence of return risk is the silent retirement killer. If the market drops in your first few years of retirement while you're withdrawing income, those early losses compound in reverse and permanently damage your long-term plan. Annuity payout rates are tied to prevailing interest rates, and right now those rates are near recent highs. That means the guaranteed income you can lock in today is significantly better than what was available in 2020 when rates were scraping the bottom.
