2023

• 2023 0113 - The Power of Zero /David McKnight - Dave Ramsey Thinks IUL is CRAP (My Response!) - [VIDEO-YouTube-10:50]
  • 2022 0908 - The Ramsey Show Highlights / Dave Ramey- This Is Why Universal Life Insurance Is CRAP! - [VIDEO-YouTube-05:04]
• 2023 0118 - The Power of Zero / David McKnight - DEBUNKING Chris Kirkpatrick on Indexed Universal Life Insurance - [VIDEO-YouTube-15:23]
• 2023 0303 - The Power of Zero / David McKnight - Should You Ditch Your 401k Match and Do an IUL Instead? (Fibs of TikTok Episode 1) - [VIDEO-YouTube-13:43]
• 2023 0526 - The Power of Zero / David McKnight - What are the IUL’s Fees? (Full Breakdown and Comparisons) - [VIDEO-YouTube-08:40]
• 2023 0724 - The Power of Zero / David McKnight - Primerica Created an IUL Hit Piece! (My Reaction) - [VIDEO-YouTube-09:24]
  • 2023 - Primerica - Get the Facts on IUL - 4p
• 2023 0828 - The Power of Zero / David McKnight - The Truth About Doug Andrew and His Retirement Philosophy  ---  [BonkNote]  ---  [VIDEO-YouTube-10:21]
• 2023 0830 - The Power of Zero / David McKnight - The IUL's Fees Are Its STRENGTH - [VIDEO-YouTube-06:39]
  • as little as half a percent a year.
  • Dave Ramsey, Orman
  • Front loaded - 
  • COI's
• 2023 0922 - David McKnight / The Power of Zero -  Curtis Wray Says Use Your IUL as an Emergency Fund (Is He Right!?) - [VIDEO-YouTube-07:55]
• 2023 1109 - Power of Zero / David McKnight - Why Elan Moas Is Wrong about IULs - [VIDEO-YouTube-00:45]  
• 2023 1110 - The Power of Zero / David McKnight - My Take on Curtis Ray's MPI Approach to Retirement Planning - [VIDEO-YouTube-07:13]
  • David McKnight - Emergency Fund vs Liquidity
  • 01:30 - David McKnight - MPI works on Paper, Can't show on an Illustration, Curtis uses a spreadsheet he made, lots of moving parts - on paper vs real life, How it's going to go in reality... Track Record, persistency, 
  • Carson Porter - Monte Carlo Testing, Stress Testing, Such a complicated strategy. Will Ma and Pa stick with it, and if they won't, if there's not persistency, is it ethical?  What was the point in the first place?
  • 5 - David McKnight - It doesn't matter how much it makes sense on paper, if it doesn't lead to a positive outcome they would have been better off never to have done it to begin with.   
  • 5- 
  • 6 - David McKnight - So, yeah, well see . In 10 years.... It could be the worst thing ever, or it could be the be the best thing ever. We'll just see how it goes.
• 2023 1228 - Power of Zero - Expert WARNS Your Effective Tax Rate Could Double By 2030 - [VIDEO-YouTube]
  • David Walker, Former Comptroller, CNN Op-Ed, Come Back America, 2030
    • [Bonk: c-span.org/video/?291874-1/comeback-america]