Financial Insight.Without the noise.

Straightforward education on the economy, insurance strategy, and the financial decisions that shape your family's future, written for people who want to understand, not just be told what to do.

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Insurance Education

Your Bank Is Not as Safe as You Think. Insurance Is Not as Risky as You've Been Told.

8 min read

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Insurance Education

Most People Misunderstand Annuities. Here Is What They Actually Are.

7 min read

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Financial Strategy

You Earn Well. You Plan Carefully. Here Is What Your Plan Is Probably Missing.

8 min read

The Dollar You Work For Is Built On Debt

What happened on August 15, 1971, and why it means life insurance is no longer optional. Nixon removed the dollar from the gold standard. Fifty years later, every dollar you earn is backed by government debt, banks hold zero in mandatory reserves, and inflation quietly erodes what you save. Here is what it means for your financial future.

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5-minute condensed version

19 citations

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87%

purchasing power lost since 1971

$39T

U.S. national debt

mandatory bank reserve requirement since 2020

Browse all 6 posts ↓Jump to a post

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Your Bank Is Not as Safe as You Think. Insurance Is Not as Risky as You've Been Told.

Insurance Education · 8 min read

★

Most People Misunderstand Annuities. Here Is What They Actually Are.

Insurance Education · 7 min read

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You Earn Well. You Plan Carefully. Here Is What Your Plan Is Probably Missing.

Financial Strategy · 8 min read

The Dollar You Work For Is Built On Debt

Economics · 8 min read

You Built the Business With Your Hands. What Happens If You Can't Use Them?

Income Protection · 7 min read

She Had Disability Insurance. Her Practice Still Almost Closed.

Income Protection · 6 min read

Income Protection · A four-post series for business owners and self-employed professionals

Income Protection7 min read

You Built the Business With Your Hands. What Happens If You Can't Use Them?

The own-occupation definition determines whether your disability benefits pay at all. For business owners and sole proprietors, it is the single most important detail in the contract.

5-min version available

Income Protection6 min read

She Had Disability Insurance. Her Practice Still Almost Closed.

Personal disability replaces your income. BOE covers your business's overhead while you recover. Two policies, two distinct exposures, and most owners only have one.

5-min version available

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Sources & Citations

[1] Federal Reserve, Reserve Requirements, 2020.