Jul 7, 2026
SUMMARY
Robert Kiyosaki's Cashflow Quadrant maps out four types of people in the money game: employees, self-employed workers, business owners, and investors. It's a powerful framework, but Wade Borth argues it's missing one critical player: the banker.
In this episode, Wade breaks down who actually controls the money...
Jun 30, 2026
Summary
Wade Borth takes listeners inside a recent Tough Money live event, using real data to show what financial life actually looks like for a top 10% household earning $150,000 per year. The numbers may surprise you, starting with the size of the average family's liquidity bucket.
The episode builds to a direct...
Jun 16, 2026
Summary
Most people know Medicare costs money in retirement, but few understand how much their income level affects what they actually pay. In this episode, Wade Borth unpacks IRMAA, the income-related surcharge that can quietly add $162 to $650 or more per month to your Medicare premiums, depending on what you earn.
Jun 9, 2026
Summary
This is part 3 of our series. What if your quarterly tax bill could become a retirement engine? In this episode, Wade sits down with Rohit Punyani, founder of The Owner's Asset, to unpack the pension strategy most business owners and their advisors overlook. The conversation covers the sequence of financial...
Jun 2, 2026
Summary
In part 1 Wade Borth and Rohit Punyani, founder of The Owner's Asset, explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension...