David Kinder Insurance and Financial Wealth Solutions

04/02/2026

“Why would you pay interest to borrow your own money?”

I hear this all the time when the topic of cash value life insurance comes up.

It sounds logical.

It feels intuitive.

…and it’s completely wrong.

The reality?

You’re not borrowing your own money.

You’re borrowing from the insurance company—

while your capital continues to grow uninterrupted inside the policy.

That distinction changes everything.

Especially for business owners.

Because when structured properly:
• You access capital without liquidation
• You maintain long-term compounding
• You may even reduce your effective cost of capital through tax treatment

But here’s the part most people miss:

This strategy only works if you treat it like a real obligation.

You have to be an honest banker with yourself.

If you don’t manage the loan properly, the policy will do exactly what any lender would do: charge interest, increase your balance, and reduce your available capital.

This isn’t “infinite banking magic.”

It’s disciplined capital management.

And when done right, it can be incredibly efficient.

I broke this down in detail (including a real-world example most people misunderstand):

👉 Read the full article here
https://www.davidkinderfinancial.com/post/myth-19-borrowing-your-own-money-and-the-strategic-truth-business-owners-need-to-understand

03/23/2026

A lot of people are turning to DIY estate planning tools to save time and money.

I understand why—it seems simple.

But here’s the reality:

Estate planning is not just paperwork. It’s legal, financial, and tax strategy all working together.

And when something is missed or done incorrectly, it usually doesn’t show up until your family is dealing with it—often in probate court or during a difficult time.

I put together a short article breaking down the risks and what to watch for:

What You Don’t Know About “DIY” Estate Planning Could Hurt the People You Love MostEstate planning has become easier than ever.You can go online, answer a few questions, click a button, and generate a will or trust in less than an hour. Some financial professionals even offer to “help” you...

01/01/2026

Retirement planning isn’t just about the math anymore.

Rates of return and tax brackets matter—but they don’t tell the whole story.

When taxpayers see repeated allegations of fraud, waste, and mismanagement in public programs (from Minnesota to California), trust erodes. And once trust breaks, people start asking a different kind of question:

How dependent do I want my future financial security to be on systems I no longer fully trust?

In my latest article, I explore why more people are drawn to tax-exempt retirement strategies—not out of fear or politics, but out of a desire for control, privacy, and long-term stability. I also address why “tax-free” doesn’t always mean “invisible,” and why relying on promises of permanence in tax law can be risky.

This isn’t about avoiding responsibility.

It’s about planning with eyes wide open.

👉 Read the full article here:

Most retirement planning discussions begin with numbers. • Rates of return. • Tax brackets. • Projected balances. • Distribution strategies.Those elements are important—but they are not sufficient. Increasingly, people are making retirement planning decisions based on something deeper than...

12/09/2025

Would you look at that? Spotify says that the podcast is "A 2025 Marathon Show"! 😃

11/10/2025

🚨 50-Year Mortgages?

Lower payments. Higher home prices.

The next big housing shift may already be forming — and it all comes down to one thing: people buy homes based on payments, not prices.

Here’s the math behind it 👇

Why longer mortgage terms could unlock the housing market — and what it really means for buyers and investors.

08/25/2025

Lots of insurance agent and financial advisor Sith Lords out here in social media:

Does your agent or advisor use the following terms: "Always", "Never", "All", "None", "Only", "Everyone" or "No one"?I find it interesting and I commonly find that there is an underlying belief or agenda behind such phrases, usually to elicit a particular emotional and/or buying response without fur...

08/13/2025

I wouldn't celebrate just yet. Per ChatGPT:

National Debt: A Rapid Ascent
The U.S. is now adding approximately $1 trillion to the debt every five months—more than twice the pace of the prior 25 years.

Tariff Revenue: A Sudden Surge, but Still Small
In July 2025, customs duties hit $27.7 billion, up dramatically from $7.1 billion the previous year—a ~290% year-over-year increase.

Tariff revenue has indeed surged, thanks to new policies—tens of billions per month—and could cumulatively amount to trillions over the coming decade.

However, this revenue remains relatively modest compared to the trillions being added to the national debt every few months.

While tariffs might help moderately slow the pace of debt accumulation, they are far from sufficient to reverse or stabilize it in the absence of broader fiscal reforms.

Experts and projections differ—some optimistic about tariff revenue’s impact, others warning of unintended economic consequences.

President Trump's tariffs poured billions into US coffers in July as he continued to reshape the US trade landscape, putting the revenue supplied by importers at another monthly record. New data from the Treasury Department released Tuesday afternoon confirmed that July marked another record month o...

07/12/2025

How professional is your agent if they are using inflammatory language?

I've been paying a bit more attention to the use of this when someone on TikTok decided to create a short TikTok on someone I know calling him a 'fraud'. That's a serious allegation and I called him out about it. The truth is that they had a disagreement and so he 'blasted' him. (That TikTok has bee...

07/04/2025

What will the long-term costs be on these tax cuts? How permanent is 'permanent'? Tax policy vs tax economics are what is going on these days.

The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that delivers long-awaited tax relief to millions of older Americans.The bill ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income...

06/19/2025

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