Most people believe wealth comes from making the right investment.
This episode challenges that belief — and explains why it’s incomplete.

In Episode 14 of Before the Returns, Jaden shares two real conversations from his week that revealed the same truth from completely different angles. One involved a multi-million-dollar real estate syndication. The other was a 15-minute strategy call with a long-time client who once doubted Family Banking — and now relies on it.

Through these stories, Jaden explains why wealth is rarely built alone, why networks matter more than spreadsheets, and how having the right people and the right system determines whether money becomes a source of freedom or stress.

You’ll hear:

• Why wealth is a team sport
• How the right connections can change financial outcomes quickly
• Why some strategies only make sense after you experience them
• How Family Banking creates liquidity and stability during uncertain times
• The critical question that reveals whether you actually have a financial system — or just a bigger barn

This episode is a grounded, real-world look at how wealth actually works when life gets unpredictable — and why preparation matters more than prediction.

Episode 14 - Transcript

🔑 KEY TAKEAWAYS

• Wealth is built with people and systems — not investments alone
• Your network is an invisible financial asset
• Money without access does not create freedom
• Experience creates conviction more than theory
• Financial systems should work when income is disrupted
• Bigger barns don’t create peace — better systems do

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Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

A million-dollar income should mean financial peace… but for many people, it doesn’t.
Meanwhile, some families earning a fraction of that quietly retire wealthy.

In this episode of Before the Returns, Jaden tells two stories — one modern and one ancient — that expose the one wealth principle almost no one understands. You’ll meet Michael, a $1M-per-year earner whose money moves in a straight line… and David, a $100K earner whose money moves in cycles and compounds even while he sleeps.

Then, Jaden retells the Parable of the Rich Fool (Luke 12:16–21, KJV) — an ancient teaching that describes today's financial behavior more accurately than any book on money ever written. You’ll see how a wealthy man confused storage with security, how that exact mistake shows up in modern high-income lifestyles, and why it leads to stress, fragility, and lost wealth.

By the end, you’ll understand:

• Why earning more doesn’t solve financial pressure
• Why some high-income earners still feel broke
• Why circular money systems beat linear ones
• How wealthy families get dollars to work multiple jobs
• Why “success is rented, not owned” — and how that applies to your finances
• How Family Banking fits into this ancient principle (without products or sales)

This episode delivers a rare, perspective-shifting moment — one listeners have said they think about for days afterward.
If you’ve ever earned good money and wondered, “Why doesn’t this feel like wealth?”… this is your episode.

Transcript Source: Episode 13 – Transcript (provided by the creator)

Episode 13 - Transcipt

• Wealth isn’t built by earning money once — it’s built by earning money every time it moves.
• High income does not equal high wealth.
• Storage is not security; circulation is.
• Linear money dies when you spend it.
• Circular money grows even while you use it.
• Purpose, not accumulation, determines whether money becomes wealth.
• Family Banking works because it creates a circular system, not because of the product itself.

“Success isn’t something you own. Success is rented — and the rent is due every day.”

“The Rich Fool earned money once. Michael earned money once. And both ended with nothing that lasted.”

“Wealth isn’t built by what you store. It’s built by what you circulate.”

“A $100K earner with a system will beat a $1M earner without one.”

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Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

Everyone wants the benefits of Family Banking — tax advantages, compounding, leverage, control — but very few people set it up the right way. And as Jaden explains in this episode, most people fail before they even begin.

Why?
Because the wealthy don’t start with the policy.
They start with the plan.

In Episode 12 of Before the Returns, Jaden breaks down the five things every successful Family Banking system must have in place BEFORE a single dollar enters a policy. These are the foundations that determine whether your system thrives for decades… or collapses in a year.

You’ll learn why purpose must come before product, how cash flow habits shape your success, why your personal timeline completely changes the structure, how debt fits into the strategy, and why mindset is the single greatest predictor of long-term wealth.

This episode is direct, practical, and cuts through the noise — helping you understand exactly what you should have in place before starting Infinite Banking, Family Banking, or any type of private banking system.

• Why policies fail when they’re started without a plan
• The difference between owning a policy vs. owning a system
• How to define your purpose before starting
• Why cash flow habits matter more than income
• How your timeline determines your strategy
• The truth about debt inside a Family Banking system
• Why mindset and long-term thinking matter more than products

Got feedback? Drop it here

Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

It’s Thanksgiving week, and instead of talking about deals, football, or what’s on the dinner table, Jaden is shifting the focus to something deeper: the kind of wealth that has nothing to do with dollars.

In this special episode of Before the Returns, Jaden shares the five lessons about wealth he wants his kids to know — lessons that shape character, purpose, relationships, and long-term fulfillment. These are the principles that guide everything else: money, business, stewardship, and legacy.

You’ll learn why money should serve your life (not stress it), why cash flow is more powerful than net worth, why generosity creates more than it costs, why wealth is always a team effort, and why you — your skills, habits, mindset, and character — are your most valuable asset of all.

This episode is a reminder of what truly matters, especially during the holidays:
Money is the tool. Purpose is the goal.

• Why money is a tool, not a scoreboard
• How cash flow creates freedom in ways net worth never can
• Why generosity enriches your life more than consumption
• How generational wealth is built through relationships, not isolation
• Why you are your greatest investment
• How purpose gives money meaning — not the other way around

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📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

Most people spend their entire lives trying to “own” things — their home, their car, their business.
But as Jaden explains in this episode, ownership is mostly an illusion… and that’s not a bad thing.
It’s actually the doorway to real financial freedom.

In Episode 10 of Before the Returns, Jaden recaps the huge response to the 50-year mortgage conversation and uses it to expose a deeper truth:
Freedom doesn’t come from paying things off — it comes from controlling the structure.

Jaden shares a personal story about his grandparents, who had their home paid off for decades yet still faced property taxes higher than their original mortgage payment.
He also highlights a real-world case of a homeowner losing a fully paid-off property over just $588 in unpaid taxes — proving that title doesn’t equal control.

From there, the episode walks you through the blueprint of building a Family Banking system:
Clarity → Structure → Flow → Stewardship
and shows how generationally wealthy families, banks, and corporations use these same principles to create control, optionality, and resilience.

If you’ve ever wondered why the wealthy often control assets without owning them — or how to create a financial structure that keeps you in control regardless of who holds the paperwork — this episode gives you the framework.

• Why “ownership” isn’t what you think it is
• How banks, governments, and institutions maintain control even after you’ve paid something off
• Why property taxes make homeownership a form of “perpetual rent”
• The story of Jaden’s grandparents and the illusion of owning a home
• How the wealthy use structure instead of possession
• The 4-step blueprint of a Family Banking system
• Why stewardship determines whether wealth lasts or dies

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Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

When you hear “50-year mortgage,” most people instantly assume the worst — you’ll never pay it off or the interest must be insane.
But in this episode, Jaden breaks down why the real question isn’t whether it’s good or bad…
it’s how you use it.

Jaden walks through a simple whiteboard comparison of a $600,000 mortgage at 6.5%, showing why the payment difference between a 30-year and a 50-year loan (about $610 a month) can become a powerful tool if you redirect it with intention.

You’ll learn how that same $610/month, invested at 6.5%, grows to $2.5 million over 50 years — compared to only $900k in additional interest on the 50-year loan.

The episode reveals why payoff speed doesn’t equal progress, why banks prefer 15-year loans, why long-term fixed debt can sometimes benefit you more than the bank, and how this all directly connects to the core of Family Banking.

💡 In this episode, you’ll learn:

• Why the 50-year mortgage is misunderstood, not dangerous
• The exact math behind 30-year vs. 50-year payments
• How banks use time and structure to win
• Why a longer fixed-rate loan can actually reduce bank control over time
• How to redirect cash flow into meaningful growth
• How Family Banking uses the same principle — money compounding while you use it

🔑 Key Takeaways:

Got feedback? Drop it here

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📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

What if the system everyone told you to trust — including banks and corporations — all quietly relied on Whole Life Insurance behind the scenes?

In this episode of Before the Returns, Jaden Zubal addresses the critics head-on and breaks down what banks know that most people don’t.

He reveals why Whole Life Insurance isn’t a scam, isn’t an investment — and why the wealthy, institutions, and corporations have used it for generations as the foundation of long-term financial control.

You’ll learn:
✅ The real purpose of Whole Life and why Family Banking is about control, not returns
✅ The top four criticisms — and what people are missing when they make them
✅ How banks and corporations quietly use this same strategy
✅ The truth about cash value growth, policy loans, and liquidity

If you’ve ever wondered why Whole Life gets such a bad rap — or whether it could actually fit into your plan — this episode brings the clarity you’ve been looking for.

💬 Key Quote:

🎙️ Next Week:
Jaden breaks down how to actually design your own Family Bank — what to include, what to avoid, and how to make sure it fits your goals.

Got feedback? Drop it here

Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

Tell us what you want to hear on the show!

Most people never realize they’re paying rent on their own money.

In this episode of Before the Returns, Jaden Zubal explains how the modern banking system actually works — why banks can lend out nearly ten times what you deposit, and how that means your money is working hard… just not for you.

You’ll learn how fractional-reserve banking creates money through credit, why banks always win inside their own system, and how you can start thinking like a bank — using structure, control, and flow to move from renting your financial life to owning it.

💡 In this episode, you’ll learn:

• How the Federal Reserve and fractional-reserve banking really work
• Why banks can lend out $1,000 for every $100 you deposit
• What it truly means to “rent” your financial life
• How the wealthy mirror bank systems to build lasting control
• The Four Pillars of Wealth — structure, control, cash flow, and movement
• How to start shifting from renter → owner of your own financial system

🔑 Key takeaways:

Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: jadenzubal.wealth@gmail.com

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.