The Power Of Zero Show

David breaks down a recent article by financial advisor Brian Manderscheid on what insurance agents don’t tell you about Indexed Universal Life (IUL).

David talks about the risk of consuming financia…

David gives a 1-minute summary of all his books on retirement. 

The Power of Zero: How to Get to the 0% Tax Bracket and Transform Your Retirement.

• The book outlines a step-by-step plan for getting t…

David reviews an anti-IUL book, LAPSED, written by financial advisor Elan Moas, who believes IULs are designed to fail rather than succeed.

According to David, the book is written with dramatic and h…

Today’s episode revolves around whether Dave Ramsey is right – or wrong – in saying that people can take an 8% withdrawal rate in retirement.

A group of fiduciary advisors recently confronted Dave Ra…

David starts the conversation by describing why he’s not a huge fan of Doug Andrew’s retirement philosophy.

David then talks about the differences between Doug’s approach and the Power of Zero approa…

David starts the conversation by breaking down his book, Power of Zero, and the problem with America's ever-rising national debt.

For David, the goal of the book is to guide people on how to move the…

David starts the conversation by describing why he believes Dave Ramsey is wrong about Fixed Indexed Annuities.

In a recent live call, Dave Ramsey revealed why he is not a fan of annuities and what y…

David starts the conversation by describing how a financial guru, Derek Sall, allegedly lost $400k in an ill-advised Roth conversation.

According to Sall, you’re way more likely to have a lower incom…

Jeremy Schneider is a financial guru who claims to have retired at the age of 36 with four million dollars.

He recently shared an anecdote about a young millionaire who owned around $90,000 in cash v…

Regardless of your age, proximity to retirement, or financial profile, Dave Ramsey recommends the exact same investment allocation: divided equally among four types of funds; growth, growth and incom…

The national debt is fast approaching $32 trillion dollars, nearly double from only a few short years ago. Neither parties are blame-free for the situation we find ourselves in as of 2023.

That $32 t…

There are a number of popular finance YouTube personalities like Graham Stephan talking about how you can be a millionaire by simply contributing $18 a day into a Roth IRA, but that doesn’t tell the …

Step one of the Power of Zero strategy is to realize that due to unfunded obligations for Social Security, Medicare, and Medicaid and interest on the exploding national debt, tax rates in the future …

Your LIRP functions as the ideal volatility buffer because it grows safely and productively in a tax-free way.

According to a recent study by Ernst & Young, investors that contribute 30% of their ret…

The biggest issue with Dave Ramsey’s view on Roth Conversions, and most of his advice in general, is his one-size-fits-all approach which costs his listeners hundreds of thousands of dollars.

Dave st…

We know for sure that we currently have three more years of historic tax rates.

The good news is that it’s fairly likely that those tax rates will be extended for another eight years, giving us a wid…

The Trump tax cuts went into effect at the end of 2017, but because they lacked a supermajority of approval in Congress those tax cuts had an expiration date. David has long maintained that the gover…

For David, financial gurus seem to hold a deep hatred for permanent life insurance – be it whole life, universal life, index universal life, or variable life.

A key question to ask: with so many fina…

The decision of whether to contribute to a Roth 401(k) or a Traditional 401(k) all comes down to whether you are likely to be in a higher tax bracket than you are now when you retire.

The only determ…

When it comes to investing, I’ll Teach You to Be Rich author Ramit Sethi sees whole life insurance, annuities, and Primerica as major red flags.

David believes that, in the Netflix documentary How to…