The Power Of Zero Show

Dave Ramsey contends that the IUL is a ripoff primarily because of two reasons: high fees and surrender charges

He also recommends that if you have an IUL to surrender it immediately, thereby incurri…

If you have the lion’s share of your wealth in a tax-deferred bucket, you have actually played your cards perfectly. You probably allocated that money at a time when tax rates were likely higher, and…

The internet is full of naysayers that are convinced the Indexed Universal Life Insurance Policy (IUL) is a ticking time bomb, but the question is “what does the evidence show?”.

Over the last fiftee…

In a recent video a high school senior called in to Dave Ramsey’s show where he offered some good advice but also played down the severity of the nation’s debt crisis.

Dave refers to two different bo…

A recently published study claims that taking income from permanent life insurance and annuities in retirement can create a better outcome for investors. 

Ernst & Young compared five different strate…

IUL and whole-life policies both have their place. Whole-life advocates prefer it because your cash value is guaranteed to increase each and every year as the IUL has growth that is tied to the upwar…

Janet Yellen appeared in front of a Senate Finance Committee in March where explosive testimony erupted when a senator from Louisiana asked a line of questions regarding the impending insolvency of S…

David breaks down the 5 biggest IUL mistakes people make and how to avoid them. 

He starts the conversation by explaining the impact IULs can have on tax-free retirement when used correctly. 

Mistake…

David sits down with certified financial planner Mark Byelich to discuss how to avoid over-converting your Roth IRA.

They start the conversation by describing how over-converting your Roth IRA could …

David sits down with certified financial planner Mark Byelich to discuss why the middle class could soon be paying 45% effective tax rates.

When asked what investors should pay attention to in 2023, …

David sits down with financial advisor Daniel Rondberg to discuss how to dramatically lower the tax bill on your Roth conversion. 

They start the conversation by describing why the Power of Zero mess…

David starts the conversation by describing why it makes sense to have indexed universal life insurance. 

Did you know that any taxes you pay in your taxable brackets are, ironically enough, optional…

David starts the conversation by describing the three most important things you should look for in an IUL.

All good IULs are sponsored by financially stable insurance companies - but not all financia…

David starts the conversation by describing the difference between a Social Security tax and a Social Security penalty - and whether it's possible to avoid them both.

David explains that although som…

David debunks the top 3 unsubstantiated claims that pro-life insurance agents on social media make about IULs.

David starts the conversation by explaining why we need to be clear on what an IUL is an…

David goes through five unique strategies to transform a $1 million inheritance into a tax-free asset.

Although a non-qualified inheritance is tax-free, the step-up in the basis rule will lead to a h…

Dave Ramsey and other financial gurus claim that indexed universal life insurance(IUL) is expensive and a ripoff. Are they right? 

Suzie Orman even says you should never work with an advisor that rec…

What are some of the most outrageous anti-IUL claims on the internet today? David debunks some shockingly misleading claims presented by social media influencer Chris Kirkpatrick.

Claim #1: Indexed u…

What are Dave Ramsey's thoughts on Indexed Universal Life Insurance (IUL)? David debunks the 5 myths presented in Dave Ramsey's article on why you should run away from IULs.

Myth #1: IULs never perfo…

What is ChatGPT? David starts the conversation by explaining what ChatGPT is and the things that make it so revolutionary.

ChatGPT is so advanced it has Google worried about its search engine's futur…