E116 - Every Institution I Trusted Broke Its Promise (So I Went Looking for One That Couldn't)

Book a call: https://remnantfinance.com/calendar Email us at info@remnantfinance.com or 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) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE Hans joins Oto Gomes on the Oto Gomes Crypto Show for a long-form conversation covering his background, the end of his Naval Aviation career, and how a contract fight with the Navy led him to Infinite Banking. The episode opens with a macro segment on the August payroll number coming in at triple expectations, what a strong labor print does to the Fed's split mandate, and why the long end of the curve is not buying what Powell, Warsh, and Bessent are saying, with 52-week highs across the two, five, and ten year. Hans and Oto cover the Kennedy School years and learning macroeconomics from central bankers, the EUA statute and the right to refuse, the boilerplate denials that exposed the religious accommodation process, the recouped bonus and the debt the Navy handed to the Treasury, and the pediatrician appointment that ended the vaccine question permanently. From there they get into human life value and what most families are actually insured for, protect save grow as an order of operations, base premium versus PUA and why structure determines year one cash value, the policy loan and its absence of underwriting or repayment schedule, and the average rate of return fallacy that holds up even with perfect hindsight. Because Oto's audience operates in the private and Hans works in the public, they draw that line explicitly throughout. Chapters  00:00 – Opening Segment 02:20 – Public versus private, and which path this show takes 06:40 – Why the long end is calling the bluff 09:30 – COVID and taking every assumption down to the studs 11:03 – Navy aviation and the grad school program 12:30 – Cambridge, spring 2020, and the two weeks before the shutdown 16:20 – EUA products and the legal case against the mandate 20:40 – Boilerplate denials and a process built to reject 22:40 – Benched for two years, and looking for something to learn 24:30 – "You wrote the contract, I just signed it" 26:30 – The $60,000 bonus and the loan they invented 28:00 – Norfolk, and a billet that did not exist 30:10 – Separation, the Treasury, and 30% on top 33:00 – The class action and what the government settles for 35:00 – Researching the childhood schedule at 50/50 36:30 – The pediatrician appointment that ended the question 42:30 – Pensions, Title X, and the golden handcuffs 49:00 – The Kennedy School and learning macro from central bankers 52:00 – The Creature from Jekyll Island 54:30 – Being handed the book at Thanksgiving 2021 01:00:30 – Getting licensed, then picking it up to disprove it 01:02:30 – Two hundred years of case law and a contract that has never defaulted 01:04:40 – Pirates of Manhattan and whole life as a Tier 1 asset 01:09:00 – Human life value and what your family actually loses 01:11:30 – A McLaren insured like a Civic 01:14:40 – The asset report card and the job of a dollar 01:17:30 – Liability and creditor protection in 48 states 01:20:30 – The average rate of return fallacy 01:26:30 – Planning 30 years out and what that assumed in 1990 01:29:30 – Base premium, PUA, and cash value in year one 01:32:30 – The policy loan and who guarantees the collateral 01:39:30 – The collateral stack and the bank that still hesitated 01:55:00 – Who this is not for 01:57:00 – The mortgage analogy for base and PUA 02:02:00 – Series 65, Remnant Frontier, and the offensive coordinator 02:08:00 – The distribution problem and the 4% rule 02:12:30 – What happens if you clip the three worst years 02:17:30 – Closing Segment