If you have questions, suggestions, thoughts, or concerns please send us a text!

Borrow From Yourself, Not the Bank — IUL 101

Most people are trained to chase a loan before they build a plan. This episode flips the script. We unpack how a properly structured Indexed Universal Life (IUL) policy can become your personal capital reservoir—so you can fund opportunities, handle emergencies, and keep momentum without begging a bank for permission.

Two guest hosts walk through the mechanics in plain English: how cash value grows, what “zero is the hero” really means, and how policy loans work behind the scenes. We get practical about design (funding, costs, guardrails) and confront the big questions: IUL vs. 401(k), IUL vs. 529, and when an IUL is the right tool (and when it’s not). Strong opinions, no hype—just strategy, math, and control.

In this episode, you’ll learn:

• What an IUL is—and how it can grow cash value with downside protection
• The real meaning of “borrow against” your policy (not from it) and why that matters
• How “zero is the hero” works during market volatility
• The difference between participating loans and fixed loans (pros/cons)
• IUL vs. 401(k): liquidity, taxes, sequence-of-returns risk, and control
• IUL vs. 529: flexibility, ownership, financial-aid impact, and multi-purpose use
• Smart policy design basics: funding levels, costs, riders, and timelines
• Common mistakes to avoid (underfunding, over-loaning, chasing illustrations)

Who this is for:
Entrepreneurs, high-initiative professionals, and families who want liquidity, protection, and the ability to say yes to opportunities on their own timeline.

Why it matters:
Wealth isn’t just rate of return—it’s control. An IUL, designed correctly, can be an “envelope that earns,” letting you access capital while your cash value keeps working.

Resources & Next Steps:

• Go to www.WealthExplosion.org
• Book a strategy call to see if an IUL fits your situation and goals.
• Share this episode with someone who keeps hitting bank roadblocks.
• Purchase the book, Become Your Own Bank by T. Ray Greer, Jr.

Disclaimer:
This episode is educational and not individual advice. IUL suitability depends on your goals, health, time horizon, and funding capacity. Consult a licensed professional before implementing any strategy.

Ready to stop asking for permission and start financing your future on your terms? Press play.

Support the show

If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.

🎧 For more resources, visit www.wealthexplosion.org

If you have questions, suggestions, thoughts, or concerns please send us a text!

Click here to sign up for LegalShield today!

What happens when life comes at you sideways—a lawsuit, a denied claim, a wrongful ticket, or a contract gone wrong—and you have no one to call? In this gripping episode of The Wealth Explosion Podcast, host T. Ray Greer, Jr. (Greerology) breaks down the importance of having legal coverage before crisis strikes.

You’ll learn why every family, especially in underserved communities, needs more than just hope and hustle. They need help. With Legal Shield, you can have affordable access to experienced attorneys, 24/7 support in emergencies, and protection for everything from your home to your identity.

T. Ray shares eye-opening statistics, powerful stories, and a real-life testimony that proves legal empowerment is financial empowerment. Whether you’re a single parent, small business owner, pastor, or young professional, this episode will show you how to cover yourself and your loved ones before the storm hits.

Click here to sign up for LegalShield today!

Listen now and discover how legal protection is the missing piece in your wealth-building plan.

Support the show

If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.

🎧 For more resources, visit www.wealthexplosion.org

If you have questions, suggestions, thoughts, or concerns please send us a text!

Fees, Fines, and Foolishness: How Your 401(k) is Costing You More Than You Think

In this eye-opening episode of the Wealth Explosion Podcast, T. Ray Greer, Jr. pulls back the curtain on one of the most trusted retirement vehicles in America: the 401(k). Millions of people are funneling their hard-earned money into these accounts without understanding the hidden costs, penalties, and limitations that are quietly sabotaging their wealth.

From silent fees that drain your returns to early withdrawal penalties that punish you in crisis, your 401(k) might be doing more harm than good. T. Ray shares real-life stories, shocking statistics, and biblical wisdom to expose the truth—and empower you to make better choices for your future.

Whether you’re just getting started or have been investing for years, this episode is your wake-up call. Don’t let Wall Street take more than they give. Learn the smarter alternatives that protect your money, offer tax-free growth, and give you true financial freedom.

Subscribe, rate, and share this episode with someone who needs a financial breakthrough. It’s time to stop losing money to foolishness—and start walking in wisdom.

Click here to start the conversation

Support the show

If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.

🎧 For more resources, visit www.wealthexplosion.org