The Storehouse Mentality
- Dave & Paul
- Jan 6
- 3 min read
New Year, New Setup, and Why Your 401(k) Might Be a Penalty Box
Welcome to 2026!
We’ve officially crossed the 200-episode milestone, and to celebrate, we’re rebranding and upgrading the show. If you’re catching us on YouTube, you’ll notice some changes—mostly that we’ve moved the cameras back so you can see more than just our heads!
Paul is officially debuting his "dad bod" on camera, and we’ve even hired Producer David Waller of Wallers & Co. to keep us honest, Joe Rogan style. We’re still working out the kinks, like Dave's "closet audio" and Paul’s quest for the perfect camera angle, but the mission remains the same: helping you control your capital.
Stop Gambling with Your Capital
Stop treating your capital like you’re in a casino and start building a Wealth Warehouse.
Most people treat their money like a child with a birthday hundred-dollar bill—it’s burning a hole in their pocket until they can exchange it for something that loses value immediately.
Instead, we advocate for "money in motion".
When you park your cash in a typical savings account, it sits stagnant while inflation eats it alive. A true warehouse protects your inventory (your wealth) while keeping it accessible and ready for when opportunity knocks.
The "Merciless Math" of Average Returns
Think about it: if you have $100,000 and the market drops 50%, you have $50,000. If the market "gains" 50% the next year, you don't have $100,000—you have $75,000. Your average return is 0%, but your actual return is a 25% loss. This is why we prefer non-market correlated assets like dividend-paying whole life insurance, where your cash value increases every single day, regardless of what the S&P 500 is doing.
Is Your Money in a Virtual Prison?
Iif your money is locked in a 401(k) or a typical qualified plan, you don't have a warehouse; you have a penalty box. That capital is separated from you until you’re 59 1/2, forcing you to go into debt or pay 29% interest on credit cards just to buy a car or fund tuition while your "investment" sits out of reach.
We want you to have liquidity without liquidation.
By using the Infinite Banking Concept (IBC), your money never stops compounding, even when you’re using it to finance the needs of life.
Thinking Like the Bank - CHANGING YOUR MENTALITY
Banks don’t get rich by earning high rates of return; they get rich on volume and the spread.
If a bank pays you 4% on your savings but loans it out at 8%, they aren't making 4%—they are making 100% on their cost of money. IBC (Infinite Banking Concept) allows you to take over that banking function yourself, turning a perpetual financial headwind into a generational tailwind.
What’s Next?
We’re planning to start live streaming these episodes soon so we can take your questions in real-time. In the meantime, Paul is enjoying the Tennessee life (and his 48-degree cold plunge), and David is busy drawing diagrams with four basic shapes to explain complex math.
Don't let someone else control your capital.
To get the full breakdown on the "Merciless Math of Loss" and how to escape the 401(k) prison, watch the full episode 204 wherever you listen to podcasts!
Analogy for the Road: Think of your wealth like a professional athlete. If your money is in a 401(k), your star player is sitting in a penalty box, watching the game from the sidelines until the clock hits retirement age.
But with a Wealth Warehouse, your money is like a starting quarterback—it’s always on the field, in motion, and ready to score whenever an opportunity arises.
Remember...
Control your capital, or someone else will.
Dave & Paul
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