The Power Of Zero Show

David breaks down the Inflation Reduction Act of 2022 and how the bill will potentially curb inflation by reducing the deficit, investing in domestic energy production, and promoting clean energy sol…

David is asked about the pros and cons of the Indexed Universal Life – or LIRP – and what to look for when researching it.

As far as LIRPs are concerned, David suggests looking for contracts that are…

David shares that he got into the industry during the “calm before the storm.” It was 1997 and, during the State of the Union, President Bill Clinton announced that the national deficit was simply ze…

There's this belief among financial experts that life insurance is the financial silver bullet. However, as David explains, that's not 100% accurate. 

Yes, life insurance can mitigate every retiremen…

David shares that the 2022 Trustees Report raises a sharp warning cry about the catastrophic short- and long-term trajectories of the Social Security program.

The surplus that had built up over the y…

One of David’s jobs as the host of the Power of Zero Show is to constantly remind listeners of the horrifying fiscal outlook the U.S. is facing. This episode looks at components that are contributing…

Life insurance retirement plans or LIRPs are long-term propositions. They only really work if you think of them like a marriage, meaning they work best if it's until death do you part. 

Don't start a…

Today’s episode addresses the question ‘Do we continue to let inflation run roughshod over our purchasing power, or do we raise interest rates and risk plunging our country into a recession?’

David s…

This episode focuses on the unsettling math behind Dave Ramsey’s recommendation to buy term and invest the difference.

David shares the definition of the ‘Buy Term and Invest the Difference’ approach…

David shares a stat from the US Labor Department: as of May 11th, inflation over the last 12 months through April of 2022 has been 8.3%.

David explains that the general belief is that inflation doesn…

“I don’t want to pay the taxes on my Roth Conversion” is the single greatest objection David sees every week.

David believes that whoever makes that argument is basically saying that they don’t want …

Today’s podcast explains why it might be a massive mistake to invest in municipal bonds. The reason why this is such an important topic is our unusual fixation with municipal bonds when trying to set…

For David, the problem is that the U.S. has promised its people way more than it can afford to pay. The debt clock says $30 trillion, which is a mind-boggling figure. According to other experts, howe…

In this episode, David wants to share the truth about Dave Ramsey, look at the two pillars of his financial worldview, and deconstruct those beliefs.

David believes that if Dave Ramsey’s audience fol…

David explains how Obamacare surtax, which was introduced back in 2013 when Obamacare passed, works and who it affects.

The 3.8% of Obamacare surtax only applies to the investment income that reaches…

This episode revolves around when you should draw social security in a rising tax environment.

David believes that if you have taken stock of the fiscal landscape of the U.S., it seems fairly obvious…

This episode focuses on a question David recently got from a couple – they made $650,000 per year and wanted to know whether they should consider doing a Roth conversion.

Some details about the Calif…

In May 2021, David recorded a podcast that focused on the Secure Act 2.0, the follow-up to the Secure Act that completely killed the stretch IRA and the stretch Roth IRA. Today’s episode looks at the…

In this episode, David focuses on the true fiscal day of reckoning for the U.S., and how it should inform important retirement decisions when it comes to the Power of Zero paradigm.

For David, asking…

The idea behind today’s episode comes from a conversation David had with someone at a recent event he spoke at. He praised the LIRP as the “perfect Swiss Army knife-type of investment,” and couldn’t …