Every year starts with good intentions, but most people stay stuck in the same financial patterns.

In this episode of Make Your Wealth Work, Joe Pantozzi & Jason K Powers break down the real cost of waiting, not just in dollars, but in lost opportunity, rising debt, inflation, and time you can never get back.

They explain why focusing on rate of return too early misses the point, why saving comes before investing, how Parkinson’s Law quietly sabotages progress, and why taking imperfect action beats waiting for the perfect plan.

If you’ve been telling yourself “I’ll get to it later,” this conversation will challenge that mindset and help you rethink how your money should actually work for you.

Learn more or connect

https://alphaomegawealth.com/podcast

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Welcome to Make Your Wealth Work a practical show for builders,

entrepreneurs, and anyone who wants to think like one.

I am Jason K. Powers here with Joe Pantozzi.

You know Benjamin Franklin once said, you may delay, but time will not.

So today we're gonna be talking about the real cost of waiting and how to keep

your dollars working while life happens.

Joe, how you doing?

It's 2026 already.

Can you believe it?

I'm doing great.

It's an amazing day here in Central Pennsylvania and I'm looking at that

beautiful guitar in the back shelf, and I just I could play a few chords

on that thing one of these days.

Just from a few notes.

From a few notes.

Yeah.

Yeah.

We just got through the holiday seasons.

You guys have a good one.

It was awesome.

Anytime you put grandchildren a house and 8,500 Christmas toys you know, more

Yeah.

it's fun.

Right, right.

Yeah.

We had a blast.

We came through unscathed.

Nobody got sick.

Really, everybody, you know, hung out.

Had a good time.

It was good.

That and dozens of homemade cookies.

Yeah, that's right.

That's right.

2026 is here Time for that post-Christmas diet for many of us, you know.

At least for me, I know every year I'm like, goodness gracious, what did I do?

You gotta go through it, gotta go through it.

We were talking about with the new year being here and how we

kind of start looking back, right?

This time of year is always very reflective for people and, and we start

looking back and going, how was 2025?

How did things go that I had planned?

What didn't happen?

What am I gonna do?

Right?

The popular New Year's resolutions that may or may not happen.

And yeah, it's a, it's a big time in that regard.

Everybody, it's a good time for people to really just sort of stop and regroup

and think, what have I been doing?

What didn't I get done?

What am I gonna do?

You know?

And it's great conversation to have with people.

And so I thought this episode, that's kinda what we would dive in.

You know, we'd get a lot of.

Procrastination that happens in life, you know, I'm going

to, I'm getting around to it.

I'm gonna get around to it and here, 2026 is already, and you're like, oh

my gosh, how fast that year went by.

Well, you know, but also to, to help create a little bit of calm.

Because there's a whole lot of anxiety that goes on when people

start to think about the need to create New Year's resolutions.

Sure.

You know,

Yeah.

said about shoulds, don't should all over me.

You know, don't listen to somebody what somebody else tells you

you should do for yourself.

Mm-hmm.

You need to decide for yourself, you know, with your family unit.

For me, that's me and my wife, you know, me and my wife and the Lord.

We need to decide, you know, what's good for us.

For what?

What worked last year, by the way?

What worked last year?

What's worked for the past 20 years?

Don't throw out the old stuff, the good stuff,

Yeah.

you see the next new shiny object

Yeah.

and, and really don't strain yourself trying to come up

with 50 different New Year's resolutions that you're gonna break.

This is that you're gonna break in the first week.

Okay?

Yeah.

So try to take it easy.

I'm a poster child for understanding that life is.

short, man.

Yeah.

is a vapor.

And at the end of the day more is said than done.

Mm-hmm.

And if you could accomplish a little bit day by day, you know, in, in a

prayerful way, after you've considered it and really decide that it's important.

Yeah.

You know, start to, to take little bites at our projects that, that you

think are worthwhile for yourself, your family, your business, your ministry,

your kids, your future worthwhile bites.

Don't buy into somebody else's agenda for your life.

Mm-hmm.

Mm-hmm.

And here we are talking about, financial.

Excellence thriving and generational wealth and putting

all the financial pieces together.

And from my point of view, this is probably starting off, off

script from my point of view, it's simpler than you make it.

Mm-hmm.

I see a lot of people kind of floating through our website and sending

inquiries and scheduling themselves through our Calendly or whatever they're

doing to connect with us, and they're asking the typical shoppers questions.

The, some people call them looky-loos,

Yeah.

Yeah.

they're looky-loos because many of them are never gonna make a decision.

Mm-hmm.

at the end of the year, they're gonna look back and say.

Wow.

I could really pride myself in the fact that I interviewed 45 financial planners

and not one of them was worthy of me.

great.

And that means you just wasted a year by not taking action.

And I'm gonna say it's better to take good action the perfect action.

Mm-hmm.

Because there's no such thing as a perfect plan.

There's no such thing as a perfect consumer.

There's no such thing as a perfect financial company or financial advisor.

We're all imperfect.

But man, you can make some amazing, positive, good wealth building steps

because at the end of the day, you're not gonna build wealth this year.

You are gonna start the steps to build wealth that will accrue

over the next 5, 10, 15, 50 years.

Great.

what, what you will wanna consider, I'm not telling you what to do, what

you may wanna consider is establishing some habits that you can tolerate,

Yeah.

I

Well, and it's baby, it's baby steps, right?

It's one step at a time.

It's start something.

Do something even back on your goals, right?

If you're setting lofty, lofty goals for your New Year's resolutions and

you're like, I wanna lose a hundred pounds, I'm just gonna pick, you

know, that's the most common one.

Weight loss, right?

I wanna lose a hundred pounds.

You're like, well, how am I gonna lose a hundred pounds?

Man, that looks so.

Out of reach.

But don't start with five.

We'll lose five and then set another five.

You hit that goal, set another one, hit that goal, set another, but

that's, that's what you're saying, you know, even financial goals.

You start something now, take action now and work towards that

rather than, you know, Napoleon Hill once said, don't, do not wait.

That the time will never be just right.

And that's mostly true, you know?

Exactly.

So as far as good habits are concerned we talk about the

fundamentals, the building blocks.

I talk all, the time about a building, which I kind of shape as a pyramid,

And the base foundation is protection.

You need to protect what you have and what you will have, that includes

all kinds of protection tools, right?

Your wills and trust, your basic health insurance, your long-term care, your

car insurance, your liability umbrella, all the things that protect your world.

Life insurance be part.

That fundamental structure,

Mm-hmm.

your family if something happens to you early.

So that's the base level.

We're only talking about a building with three stories,

Yeah.

The base foundation is protection above that is saving and savings

is something that I've spent a career teaching people about.

And don't get me wrong, I work with people who make seven, $8,000 a year.

I make.

with people who make seven, $8 million a year.

It doesn't make any difference.

Human nature is the same, no matter how many or after your

income or after your net worth.

Most people have trouble wrapping their brain around the savings element.

And so, there are several hundred thousand financial professionals trying to help

people move the ball down the field.

And the first play is establishing that pattern, that habit, discipline

of building up capital, building up your savings repertoire,

building up your bond element.

It's cash, it's liquidity, it's capital.

That's the second element savings.

And then from there the third element is growth.

Right then, and you can pick your poison.

I don't care how you wanna build your wealth, you wanna build a

string of McDonald's, it's wonderful.

You wanna build a string of convenience stores, gas stations generic grocery

stores, organic grocery stores, right?

Anything you wanna do and you do with consistency and with excellence, you're

going to build a great a great wealth profile and a great path for yourself

and maybe your kids to follow after.

Mm-hmm.

Right.

Mm-hmm.

wanna, we wanna invest in the stock market in Wall Street, in, in market

type accounts, in alternatives, in gold and collectibles and art and crypto.

invest in real estate.

What we're talking about are the fundamentals, getting to the point

where you have enough capital to sustain investments in capital assets.

And so when people are contacting us, one of the first questions out

of the gate, and we're gonna get to the cost of waiting in a minute.

Yeah.

of the first questions out of the gate is there, what's the

rate of return on this thing

Mm-hmm.

Well, wait a minute, let me ask you a question.

is internal rate of return or rate of return so important to you?

Tell me Assets you've built up in your life today where you

monitor the rate of return.

Tell me about your savings account.

How long have you been working 20 years?

money have you saved in 20 years?

Well, you have to understand, okay, right, right there.

Hmm.

me the answer.

Mm-hmm.

The answer is for 90% of Americans nothing, I haven't saved anything.

So why are we putting the cart before the horse by saying,

what's the rate of return?

Don't worry about rate of return.

Worry about creating the discipline of systematic contributions

to a savings type account,

Right.

and when you've got five years worth of income built up in that thing,

then let's worry about rate of return.

Yeah, yeah, yeah.

It is reprioritizing your perspective, I think and even.

When I first got into this, when I very, the very first time I heard about things

like the Infinite Banking Concept I, that kind of perspective was paramount for me.

It was changing the angle, I guess, through which I was looking at things,

you know, because I, I was that guy coming in and going, Hey, well,

what's my rate of return on this?

And it was that, well, how much money do you have?

Well, I don't have any.

We'll say, well, hold on a second.

Let's back up.

Let's back up and see what do we need to change in order to have something to

be asking that question appropriately?

But there are those who walk in day one in this context

and do have the money already.

And that is the same question.

Joe, what is the rate of return?

You know, and I think there's validity to that given.

The nature through which we're generally taught to produce cash

flow aside from labor, right?

Work for income.

It's taking a vehicle like Infinite Banking, for example, and

understanding that that is not the

final vehicle through which you answer that question, if that makes sense.

That is a tool that you're using the foundation maybe through which your money

flows, because we always talk about that.

What's, we have to show you how to change the flow of your money, and by changing

the flow of your money, you can create more opportunity to do various things.

And you can change the flow of your money getting control of the banking function

right.

because for the majority of people, the majority of people that we're talking

to, whether it's a lot or little, it said in Nelson's book, and nobody has ever

disputed this fact or this premise that Nelson laid out, is that the majority

of Americans are sending out a third.

He says 34.5%, about a third of their take home.

To outside lenders, toxic lenders, credit cards, finance companies, SBA,

mortgages, lines of credit, HELOCs, they're sending out a third of their

take home to interest payments.

So nobody has told me what the rate of return has been on that money going out.

Mm-hmm.

truth be told, it's not a rate of return.

It's a negative.

Yeah.

which is very difficult to measure, but we can measure it

because we have calculators.

yeah.

Yeah.

if you can take a third of your take home and start redirecting it

into an account where you do your borrowing from a friendly lender as

opposed to a lender who hates you.

Now you're gonna start to make money because instead of paying the average

credit card finance charge of 28% nowadays, if you can have a lifetime

source of capital at 4% interest only, for example, how much money would you save?

And then again, you can pick your poison, pick any investment alternative you want.

And I don't care what it is, real estate businesses, wall Street alternatives.

Mm-hmm.

that you save from not dealing with those toxic lenders who hate you, you

will build wealth and sizable wealth.

Well, and I think it's a great perspective when you talk about this debt.

I think a great perspective for people to have is understanding.

Let's take for example, someone who has, we'll just use a random $30,000 in credit

card debt, and they're paying 28%, so there's pile number one, all the life

going on and happening here and there.

They're making their money, and then they're setting other money aside.

They're gonna handle this debt later.

And the money they're setting aside, maybe they take a 30,000, maybe they've

accumulated 30,000 and they're putting it into some investment vehicle.

What's the rate of good rate of return?

Let's say they're getting 8% on whatever.

It's, I don't care.

Well, and then we are compartmentalizing our money in that regard.

We're saying I'm making 8% here.

I don't care.

I'm making 10% here.

How much?

30,000 or 30,000.

Okay.

How much debt do you have?

Well, 30,000 debt.

How much are you paying on that?

Well, 28%.

Okay.

Let's net that out then.

so your net net is still 20% debt.

So ask yourself the question, how much would you save if instead

you attack that debt first?

And remember, Nelson teaches us that it's not about rate.

Of cash flow.

Rate of return, it's about volume of return.

So if you take that 30,000 example that Jason just gave us and we

calculate it out, and we'll do that on a one-on-one meeting

Yeah.

can monetize everything.

We can calculate everything.

We can calculate lost opportunity costs, right?

We can calculate future value, et cetera.

How much.

Is it going to take you to pay off that $30,000 worth of credit card debt?

If you're paying 28% on the unpaid balance, you may wind up paying two or

three or four or five times that amount.

Why not only because a 28%, but because that line of

credit continues to stay open.

There is the thing.

I'm paying 28%.

I've paid $800 a month for the past year, and gee, my balance didn't go down.

It went up.

Why?

Because I kept on charging.

Yeah.

And, and ma how many people are playing the credit card game?

Well, I paid this credit card because the interest rate was

too high, whatever that means.

And I started using this credit card because I got an

introductory rate of zero.

Great.

How long was the introductory rate open?

Well, six months.

Great.

And how long ago was that?

You opened it?

a year and a half ago.

Okay.

What's your rate now?

Well, it's approaching 20% again, where are we going with this?

Yeah.

we're, we're, we're spinning ourself into a grave here.

Yeah.

Right.

So it's,

Yeah.

the rate of return, it's the volume of return.

It's a negative return.

We're sending money down a red hole, and then at the same time we're

saying, you know, if I started a policy representing the foundation

for this Infinite Banking Concept system that you guys have, how long am

I gonna have to pay into that thing?

Mm-hmm.

Sure.

this is all wrapped around

Yeah.

of waiting.

How long am I gonna have to be diligent?

With my own money.

How long am I gonna have to have respect from my own efforts to create wealth?

Because right now I'm working for somebody else a third of the time because my

money is going to somebody else treats my money with better respect than I do.

Mm-hmm.

How long do I have to pay on this life insurance policy?

Well, I don't know.

long will it be before you wanna have a million dollars?

Sure.

your account.

'cause right now you're building up a million dollars in somebody

else's account that you'll never see.

I'm trying to make it very clear.

And I also, I wanna paint a picture and let people measure the dollars that

they're being, that, that are being lost because they're not being accounted for.

know, and we talk about these four element four elements.

We talk about income.

Your income is your income.

Can you create more than one source of income in many cases, of course, you

can outta that income, you're gonna have a certain amount of expenses.

We learned in Nelson's book of this terrible evil called Parkinson's law,

Oh yeah.

once I start earning more and more money, I start to look for

more and more places to spend it.

So as my income increases, so do my expenses, and my

expenses detract and hurt.

My net income and that diminishes my ability to send income, to create assets,

and I'm only gonna create wealth by creating assets.

When are we gonna get ahead of this

Mm-hmm.

creating wealth, producing greater income, hopefully passive income that

we don't have to work for, some people call it mailbox money, then we can use

our income from our new assets to pay for our liabilities instead of our income.

Having to pay for our liabilities.

You want a new car?

Build up a real estate portfolio that produces net profit from

rents to you, go buy the car.

We'll figure out whether you wanna lease it, own it, purchase it on installments,

buy it through your family bank.

Let's worry about that a little bit later.

Let's start building the system and understanding the

elements of building the system.

Yeah.

Yeah.

There's a perspective amongst most of us, I think is just in part human nature.

It's overcoming that thing like Parkinson's law, which

we actually talk about.

If you go back for the listener, a couple of episodes.

That can be viewed from this.

I'm gonna wait perspective.

I'm gonna wait until do, do, do eventually I will get around to it.

I'm, I've been meaning to, I'm gonna da, da da.

I have this conversation almost weekly with people.

I, I've been meaning to whatever.

It's in all situations.

Matter of fact, I, I love this.

Uh, I keep it here on my desk.

When I was about 21 years old, I'm sitting at lunch with my uncle who

was in the financial world and I'm having a conversation with him and,

and my father had passed away a couple years before, so he was kind of my.

My go-to guy for these kinds of conversations, but we were talking

about what I was gonna do with my life in short, that's what he was asking.

What are you gonna do with your, like, I'm 21 and I was not really moving

forward, well, let's say into adulthood.

And he, I kept saying, well, you know, I'm gonna do this, but I need

to, I'm gonna get around to it.

I'm gonna get around to it and da da da.

And, and I must've said, get around to it 5, 6, 7 times in that short conversation.

And I kid you not, he, he reached into his pocket and he flipped

this thing across the table at me.

And I can remember this like yesterday.

And he flipped this thing across the table.

It looked like a coin.

Now if, depending on how old you are, it's called a wooden nickel.

A wooden nickel.

And I picked it up and I have it to this day sitting on my desk as a reminder

and it has the word to it in the middle.

TUIT.

Yep.

And it's got a circle around it for the listeners.

You can't see the video I'm showing you, but, and it says, it's got a circle around

the word tuit, and it's a round tuit.

And he flicked this thing across the table at me.

I didn't know what it was.

I picked it up and I'm looking at it for a second.

He says, now you got one now.

Shut up.

And,

There you

and he was very just, now you've got a round tuit, so let's get to it.

You know?

And that was the point with which I realized.

How much?

I'm like, eventually I'll do it.

I need to do that.

I'll do it.

You know, delays have dangerous ends as they say,

For sure, for

and.

Speaking of wooden little

When I got into the insurance business, when you folks listening

and watching, were not born yet.

50 years ago, somebody gave me a little wedge of wood with a little metal plate

on it, and it said it wasn't raining.

When Noah built the arc.

Now.

Yeah, you might think that's a little bit funny and you might think that's a

little bit corny, my wife reminded me last evening, why in the world would people

listen to him when he was building this ark and they had never heard of rain?

Had never seen rain before?

Now see, we have a greater advantage than that because we know.

What the end result's gonna be if we don't start saving like crazy people,

Yeah.

Right.

I mean, and if you haven't had the, good fortune of having somebody beating

you over the head for the past 20 years you to save, you probably haven't

saved much because saving is boring.

I had money saved up and then, you know, something happened, my car broke down.

Well, guess what?

Your car is always gonna breakdown.

Our cars are always gonna breakdown.

We're gonna spend, you know, a couple hours in the emergency room

at least once in our lifetime.

Some of us are or are unlucky, and we're accident prone, and we wind up

in the emergency room more than once In a lifetime, things are gonna happen.

You're gonna blow a tire, things are gonna happen.

There is.

There is no negative outcome.

There is no problem.

There is no obstacle.

There is no business challenge that cannot be at least helped by having more capital.

Mm-hmm.

And our job, and I'm so grateful that I have a job where I get to

remind people of basic common sense things, which are not very common.

Common sense is not very common.

I have the privilege of reminding people, you are gonna have an amazing life.

If you could start doing a few basic things, control your expenses.

Watch where the dollars go and save like your life depended on it.

And make sure that you save before you pay anybody.

And can you imagine taking 20%?

Just take a number, take any number you want.

Imagine taking 20% if you're taking home, take home and putting it into account

that you don't touch for 10 years.

How outrageous would that be?

Your friends would call you idiotic.

call you stupid.

They'd call you ignorant.

Well, you could do a lot better than that.

Where's your money?

It's in a savings account.

How much they're earning?

Uh, 1%.

And you just turn the tables and ask them how much you got?

Mm-hmm.

Well, I have, don't have that much, but I'm getting a better rate at return.

And they, you are.

You just prove my point.

People are so obsessed with rate of return, but I'm sorry if you have a

million dollars in savings account.

Earning 1%.

Congratulations

Mm-hmm.

because you are ahead of 99.9% of the population in this country.

Right.

Right.

Well, and that's a good

conversation to be had, I think, is what then can someone do with that free

cash flow if they're, if you're socking away, if you are responsible enough to

sock away any kind of money, really,

what can you do with it?

And that's where we talk about changing the flow of the money.

You know?

Yes.

You can warehouse your wealth inside a literal savings account.

You know, if you could do that, you can warehouse it somewhere else too, you know?

But if you can't, if you can't even put enough away to save, then you know, we

generally, like when we start talking about Infinite Banking with people.

It's a if you cannot save a penny, you're just burning holes in your

pockets, money comes in, it's out.

You're spending wildly wild amount of debt.

You have no real, you, it hasn't hurt enough to make the change.

Let's say

then IBC, for example, is not for you right now.

You know, if it's hurt enough to wanna make the change, we can make the change.

You know, we can turn the ship around maybe.

You've created a cruise ship, so it will take a minute to get that thing turned.

You know, maybe you're in a speedboat, you just started, you're on the wrong path.

We can turn that pretty quick, you know?

And, you know, you know, we talk about using a properly designed life

insurance policy as a foundation for your Infinite Banking system.

Right.

The policy is not the system.

system is in your brain.

It's a concept that you design and you model uniquely according to your needs.

Your family needs, your business needs, your kids' needs, your posterity

needs, the needs of your charities and causes that you believe in.

How, however you wanna create wealth and how you wanna distribute

it over the next a hundred years.

But I constantly have.

The same wisdom that Nelson gave me to share with others.

Well, you're concerned about rate of return, but I can tell you that a life

insurance policy properly structured give you a schedule of guarantees

which does not exist literally on the planet any other financial instrument.

Now, if that is not a powerful statement, I don't know what is.

So if I'm telling you your rate of return is gonna be above zero, can you guarantee

yourself an above zero rate of return in the real estate you're investing in?

No, you cannot.

Can you guarantee yourself an above zero rate of return in a market investment?

No, you cannot.

Can you guarantee yourself a rate a rate of return above zero in a

chain of businesses that you set up?

No, you cannot.

And I am not saying you should have a life insurance policy.

That would be silly.

I'm not saying you should have a policy instead of what we're teaching is that you

can set up a life insurance policy, which capitalizes and finances and collateralize

us all these other businesses.

So go and take your shot.

You will build wealth in all these different areas dollar for dollar.

That's where your.

outrageous growth will happen if you're consistent and diligent and you mine

the store and not, or, and at the same time, you will have a guaranteed rate

of return, guaranteed, underlined, bold letters contractually obligated by a

multi-billion dollar insurance company.

You'll have an above zero rate of return your lifetime.

So now you have the freedom to go out and make great gains the things that you

choose to speculate with, the things that will create wealth, the businesses, the

investments, the alternatives, et cetera.

Because you have this stability of knowing my foundation is secure and solid.

My foundation of savings will always be there.

I'll always have a guaranteed source of borrowing.

Who can say that if they're not using a life insurance policy, your SBA

loan is gonna fluctuate over time.

Your line of credit with the bank is gonna fluctuate over time.

Your HELOC is gonna fluctuate over time.

Gee.

As you continue to build up capital, you'll have an increasing

pool of capital that you could borrow against at current rates.

Current rates for new contract, 4% interest only for the rest of your life.

No business owner that I've ever spoken with can beat 4%

locked in for the rest of your

For Life for Life.

only.

So, so the elements that we're talking about.

Are there, we can calculate them and monetize them for

each individual situation.

We can show you how to build it.

tell us how much you wanna fund, we'll tell you how to design

it and how you could recapture debt, get rid of the toxic debt,

Yeah.

wealth securely intelligently.

Yeah, and I think the key is doing something.

Just like to set your resolutions every year is one thing.

To act on them is another, you know?

And start.

Baby steps.

Some people are like, I could never, we give examples, you know, people starting

policies and the large dollar figures that come up on some of these examples

with people doing policies, 'em say, Hey, don't worry about the number of zeros.

We'll help you set up something that's right for you and your

situation that makes sense for you.

And maybe someday you'll be looking at those larger numbers and going.

I can't believe that's all I can do,

but start something small.

Right, because nothing grows more than what you've planted today.

And

So more.

ever come back to me 10 years after we started a plan and said,

you know, I saved too much money.

Right?

That's right.

didn't need, I didn't need to save this much money.

speaking about the cost of waiting, you know, you wait five years.

You lost 20% of the value of any capital account because of inflation.

Yeah.

Yeah.

So we can address and we can approach the concept or the

discussion point of the cost of waiting from multiple perspectives.

Yeah.

wait, you saved less.

If you wait, you lost, through inflation.

The money was eroded that you did build up.

So the longer you wait, the higher, the higher you have to climb.

Inflation all

Yeah.

and the longer you wait, the smaller capital account you're

gonna have at the end of given.

Yeah.

And even for those around you, even for your children or grandchildren,

if you're thinking long range.

I love Warren be, but Warren Buffet once said, someone is sitting in

the shade today because someone planted a tree a long time ago,

and it's so true.

You know, if you do something, no one ever sits there 10, 20, 30 years from now

and goes, I wish I would've put less in.

I wish it wouldn't have grown like it did.

I wish I didn't have access to all this capital.

You know, it's that kind of thing.

And, and not to just be facetious about it, it's just, it really is true.

It's, if you put the time into learning these types of vehicles,

what they can do for you.

Then apply it.

Don't just be a habitual learner.

Only apply it.

You will see the results.

You will never regret the results.

I guarantee that.

I want to take a second and talk about the other sides of the cost of waiting.

You know, we've been talking about just the money side a little bit, and.

The other cost of waiting that people don't like to talk about,

but I think need to be mentioned because it's life 1 0 1 is.

What else changes?

If I'm waiting, I'm gonna start, for example, a policy next year

or two years or five years.

And then God forbid I wake up tomorrow and have a heart attack

and all of a sudden my options.

Have just been sliced in half or less eliminated, you know, and people don't

like to talk about it, but it's life.

We see it.

Joe, you and I see it regularly how life changes overnight for people and all of a

sudden their options have been eliminated.

But those who have been able to act on it now, at least, and we have

strategies to do this, lock something in.

It's cheaper for now and then we could expand it later.

But then you've got options.

But there's those kinds of costs of waiting.

Or worse than that, death life gets cut short.

We see it every day.

You could turn on the news and see it in less than five minutes.

Life gets cut short and it's just a fact of life.

'cause we don't know how long we're gonna live.

And so plan for today.

Plan for tomorrow, hope for the best, if you will, but life happens.

So there is that kind of cost in waiting as well.

I think that has to be considered in everything you do.

You can go to life

and get a very simple, very accurate, very generic

You might ask yourself, how much life insurance should I have now?

You could answer that question in five minutes by having a

conversation with us one-on-one, but you don't even need to call us.

Go to life happens.org and get a simple bottom line.

You can disagree with it, but at least you'll have a number to work with.

Mm-hmm.

Mm-hmm.

There's a lot of good, good things on there.

I think it's a really good, you know, we're in the industry and so I know

I talk to people and they're like, yeah, but you're clearly biased.

I'm like, I'm biased, but I also am human.

I have a family that I want supported.

I have been in firsthand situations where family members' life have been

cut short or permanently disabled.

I've seen it happen.

I've seen finances devastated overnight, and people lose everything.

I've seen it, right?

Because it's just life, you know?

So why not position yourself the best you can for those various types of protection

and buffer yourself a little bit.

You know, this isn't, we don't want this to be a doom and gloom

conversation or anything like that, but it's just life, right?

And I think people are scared of having those conversations.

It's uncomfortable.

Makes people squirm a little bit, but I think it's an

important conversation to have.

You know, and there is hope beyond that.

It's not just, let's talk about all the bad things that are gonna happen

and how do we protect against it.

Right.

That's why I love the Infinite Banking Concept and utilizing properly

structured whole life insurance.

It's more than just life insurance.

It's taking this vehicle that people originally perceive as

just protection against death.

And understanding it and how it can be adjusted and used for so much good in

life, in your life while you're alive.

You know?

And it's great 'cause I was practicing it before I got into it as a career.

I was utilizing the Infinite Banking Concept in my life and I

saw the benefit of it and that's why I became really a, I'll say, an

evangelist of Infinite Banking to.

To tell people, look, you guys gotta hear about this.

This is awesome.

You know?

And I, I truly believe that.

Mm-hmm.

So I encourage you, listeners, as we dive into 2026, if you are

thinking about planting that tree.

Reach out to us, alphaomegawealth.com/podcast.

Schedule a call with Joe or myself or both of us.

We'd be glad to chat with you and just let's unpack your situation

and talk and figure it out.

And then if you don't have the financial goals, let's help you set some.

If you're just kind of floundering, we can point you in the right direction.

If you're ready to jump in, you're like.

Okay.

I just need overall help with my debt and how can debt be

done through Infinite Banking.

This thing, Infinite Banking you guys talked about, we can help you

understand that or any of it, right?

So just don't be afraid to call.

Don't self eliminate.

Don't set the goal.

Don't say one day, I'm going to call them.

Make today day one,

There you go.

and do that.

And do that.

All right guys.

Thanks for listening.

This was Make Your Wealth Work with Joe Pantozzi and myself, Jason Powers.

We look forward to seeing you guys next time.