Most people fail with money because they're stuck in extremes. Underwhelmed by the same old advice like "save more, spend less, lock it away and hope compound interest saves the day." The truth is simple: You are the asset. Your ability to create value is the greatest investment you'll ever have. This episode breaks down Garrett Gunderson's framework for the six money moves that actually matter. Stop locking money away in qualified plans. Stop self-insuring when you should transfer risk. Stop overpaying taxes as a W-2 employee with only 8 deductions when business owners access 475. Focus on cash flow assets that let you live today while building wealth for tomorrow. The penalty for following broken financial philosophies is permanent, but aligning your plan with who you are brings freedom sooner than you think.

Chapters:

00:25 - Opening Segment

04:55 - Why most people fail with money

06:35 - You are the greatest asset

08:15 - The underwhelming advice: save, spend less, lock it away

10:35 - Spend less is capped - grow yourself as an asset instead

14:50 - Overwhelmed by conflicting tips

19:05 - Teaching value creation

20:20 - Step 1: Automate and build liquidity with whole life

23:20 - Daily burn rate calculation method (263 days liquidity example)

26:50 - Step 2: Transfer risk, don't self-insure

29:05 - Pacific Palisades fires: Self-insurance myth exposed

33:15 - Step 3: Estate and entity structure (trusts vs wills)

39:35 - Step 4: Stop tipping the government

41:05 - 8 deductions vs 475: W-2 employees vs business owners

43:55 - Sourdough bread business example

45:50 - Step 5: Invest in alignment with your investor DNA

46:25 - Get to vs have to - does it feel like noise?

50:00 - Step 6: Focus on cash flow, not accumulation

54:45 - Living today while building for tomorrow

57:20 - Closing Segment

Key Takeaways:

• You are your greatest asset - ability to create value is the greatest investment you'll ever have

• Standard advice (save more, spend less, hope for compound interest) keeps you broke

• Step 1: Automate liquidity using whole life as emergency fund - calculate daily burn rate to know exact days of liquidity

• Step 2: Self-insurance is a myth - transfer catastrophic risk to insurance companies for pennies on the dollar

• Step 3: Get trust in place to avoid probate - if you don't have estate plan, government has one for you

• Step 4: W-2 employees have 8 tax deductions, business owners with EIN have 475 - create business entity now

• Step 5: Invest in your investor DNA - ask "do I GET to do this or HAVE to do this?"

• Step 6: Focus on cash flow assets, not buy-and-hold accumulation in qualified plans

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You need to be able to outprint the Fed. To learn a stress-tested way to accelerate your investment capital, go to https://remnantfinance.com/options to learn the framework we discuss this week.

AI is transforming the world faster than anyone realizes—and the job market as we know it is about to disappear. In this episode, we speak with Navy nuclear engineer turned entrepreneur Troy Broussard, founder of Low Stress Trading, about how to survive this economic upheaval by creating money faster than the Federal Reserve can devalue it.

Troy shares how his unique trading framework is helping ordinary people beat inflation, break free from the traditional “buy and hope” system, and generate consistent weekly income—regardless of what the market does. We explore how artificial intelligence, automation, and Elon Musk's Starlink and Optimus projects are dismantling the old economy and why financial independence now depends on agility, not credentials.

The financial paradigms that guided the last ninety years will be counterproductive in the next ninety years. This is an episode about freedom—from inflation, from dependence on failing systems, and from the illusion of job security.

Chapters:

00:30 - Opening segment

04:10 - Elon Musk’s Starlink, Optimus, and the AI revolution

10:45 - Why Apple stopped innovating and what it means for investors

15:20 - The collapse of old financial paradigms

21:00 - The rich don’t pay taxes—they redefine income

27:45 - Throwing away 90 years of failed investment logic

33:30 - What weekly options really are and why anyone can learn them

41:15 - How to make money in an up, down, or sideways market

47:20 - Weekly income vs. buy‑and‑hope investing

52:00 - Real‑world math: The “lost decade” myth

58:30 - Income beats net worth—why cash flow wins every time

1:03:45 - Trading through recessions and inflation cycles

1:10:50 - Why “too good to be true” is a broken mindset

1:18:00 - Generational impact: teaching kids to outpace inflation

1:23:40 - Hyper‑compounding: 1% per week means 68% annually

1:29:10 - The future of Low Stress Trading’s software revolution

1:33:20 - The community that celebrates success, not envy

1:38:40 - Closing thoughts

Key Takeaways:

• AI is rewriting the job market faster than experts predicted

• Elon Musk’s Starlink and Optimus projects will redefine automation and employment

• Inflation is real, and official CPI numbers are meaningless compared to daily reality

• The wealthy build wealth by controlling how income is classified and taxed

• “Buy and Hold” investing is obsolete in the AI-driven economy

• Weekly option trading creates consistent, compounding income

• You can make money in any market by “being the bank” through options

• Teaching kids financial literacy early can make them self-sufficient for life

• The new financial freedom is independent of jobs, pensions, or Wall Street

  
  

Learn Troy’s trading framework at https://remnantfinance.com/options !

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

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College tuition has increased 1184% since 1980 while the value of that education has plummeted... The system that worked for our parents' generation has become a debt trap that produces functionally illiterate graduates who can't read, can't write, and are trained to rely on AI for everything. Sixty Illinois schools have zero students reading or doing math at grade level. University professors report students who can't comprehend basic assignments, expect unlimited resubmissions, and ask if reading exams are open book. The goal of college is ideological indoctrination, not education. AI has decimated the value proposition further by replacing the exact jobs that required degrees - law firms aren't hiring junior associates because AI does case research instantly, and doctors are being outperformed by diagnostic AI that's 400% more accurate. Meanwhile, trades are booming with massive worker shortages, allowing skilled tradespeople to command premium prices and own their businesses. If your child has a specific passion requiring a degree - nursing, military officer, certain specialized fields - and a plan to pay for it without federal loans, maybe. But the default assumption that kids should go to college from 18-22 needs to die. Take a gap year, start a business, learn a trade, do an apprenticeship, or get your GED at 16 and start community college early. Stop enriching a broken system that leaves your children $40,000 in debt and unemployable.

Chapters:

00:30 - Opening segment

04:30 - The trades are booming while college graduates work at coffee shops

06:10 - Bell curve distribution: Why the statistics lie

08:15 - Public school assessment failure

11:30 - AI has made students functionally illiterate

15:25 - The $1.7 trillion student loan debt crisis

20:00 - 50% of graduates never work in their field of study

28:25 - Educate your children outside the system

33:25 - College degree now a liability when hiring

34:45 - Charlie Kirk built $100M business with community college degree

36:40 - California homeschool charter system under attack by teachers' unions

42:00 - Start a business, learn taxes, understand the real world first

43:00 - Get your GED at 16 and start community college early

46:00 - High school diploma is worthless - challenge the assumption

49:20 - When college might make sense

50:10 - IBC as a tool to fund education without federal loans

51:10 - Internships don't require college enrollment

52:05 - Closing segment

Key Takeaways:

• College tuition has increased 1184% since 1980

• The value of a college education has gone down dramatically as costs skyrocketed

• Average federal student loan debt per borrower is nearly $40,000, totaling $1.7 trillion nationally

• For white males specifically, average income is now LOWER with a college degree than without

• AI has made the college degree nearly obsolete by replacing the exact jobs that required them

• 50% of college graduates never work in their field of study

• High school diploma is worthless - nobody ever asks for it

• Use IBC to fund education without federal loans if you must go

• Internships don't require college enrollment - 18-year-olds can approach businesses directly

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Visit https://remnantfinance.com for more information

FOLLOW REMNANT FINANCE

Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )

Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)

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