Wealth On Main Street

Hosted by Richard Canfield & Jayson Lowe

Business Investing EntrepreneurshipInterviews guests

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Episodes

339

Latest episode

Oct 2026

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About the show

A North American Podcast show focused on helping Canadian & USA families and business owners create dependable wealth using the process of #becomingYourOwnBanker, known as The #InfiniteBankingConcept, with a combination of expert interviews and discussions surrounding business, wealth and cashflow strategies to optimize your financial life. The hosts, Jayson Lowe and Richard Canfield, place a focus on the foundation for economic success using the powerful Infinite Banking Concept created by the late R. Nelson Nash.

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60 recent

October 21, 20261 hr 8 min

344: Why Real Estate Investors Need Liquidity

Building a successful real estate portfolio requires more than finding profitable properties. It also requires maintaining access to capital when circumstances change. For real estate investors, liquidity is the ability to access money when needed without being forced to sell investments or rely entirely on additional borrowing. You might own several properties, have significant equity, and generate rental income. But if an unexpected expense arrives and your accessible cash reserves are limited, even a strong-looking portfolio can experience financial pressure. In Episode 344 of Wealth On Main Street, Richard Canfield speaks with Connor Eagleson about real estate investing, financial preparedness, the […]

October 19, 20261 hr 1 min

343: How a Life Insurance Policy Loan Helped After a Medical Emergency

Listen on Spotify Additionally, this post shares one Canadian client’s experience for education. However, this is not insurance, financial, legal, or tax advice. Rules and timing vary by insurer, province, and country. Some personal details are left out on purpose; the full episode includes more, as shared by the guest. Policy Loans and Medical Emergencies: A Case Overview David Berry’s income dropped after a medical emergency. He was a Canadian client of advisor Paul Eikeland at Ascendant Financial. Additionally, he used a policy loan to cover a year of car insurance. This example shows How a Life Insurance Policy Loan […]

October 7, 202633 min

342: Cash Balance Plan vs 401(k), How the Deduction Works for Business Owners

If you own a profitable business, your retirement plan often targets employees, not owners. In Part 2 of our series, Rohit Punyani, co-founder and Chief Solutions Officer of The Owner’s Asset, sits with Jayson Lowe. They explain how a cash balance plan vs 401(k) works and why it behaves differently. Missed the start of the series? Watch Part 1 here. Start with what you already know Rohit teaches cash balance plan vs 401(k) by comparing them to the 401(k). But he’s upfront that this is a teaching shortcut, not a full compliance picture. Additionally, the contribution is recorded as a deduction. […]

October 2, 202625 min

341: How Business Owners Turn Tax Planning Into an Asset?

Most financial conversations with business owners start the same way: “How much did you make?” Rohit Punyani, Co-Founder & Chief Solutions Officer of The Owner’s Asset, a pension specialist and former Chief Investment Officer, joins Jayson Lowe and Richard Canfield to go a lot deeper than that. Here’s what the conversation actually covers. Why does “cash flow” matter more than “income”? “The words we use determine our wealth,” according to Rohit Punyani. “If you say I want more income, you’re gonna end up okay. But if you say I want more cash flow, the world is yours and everything in it.” […]

September 25, 202625 min

340: Is a DRIP Portfolio Worthwhile With Infinite Banking?

Is Infinite Banking Actually an Investment? In short, Infinite Banking is a capitalization tool, not an investment. Additionally, it builds liquidity. Investment, including a DRIP Investment with Infinite Banking portfolio, is what you do with that liquidity once it’s available. Is a DRIP Portfolio Worth It With Infinite Banking? Yes, for the right person. A DRIP Investment with Infinite Banking solves two problems. Additionally, pairing them deliberately is the point, not a compromise. Infinite Banking controls where your investable capital comes from. DRIP investing determines what productive businesses that capital actually owns. Run side by side; one funds the other. What […]

September 22, 202633 min

339: Is Infinite Banking an Investment?

“An investment should only be in something that you know a great deal about. Everything else, I repeat, everything else, is speculation.” That’s Nelson Nash‘s line, and it’s blunter than most people want to hear about their own portfolio. In a recent Wealth on Main Street episode, Kurt Berry joined Richard Canfield. Berry has nearly 30 years in finance. Thus they discuss what that means and why many investors actually speculate. The Real Difference Between Investing and Speculating Most people assume investing just means buying something, a mutual fund, a stock, an index fund and holding onto it. According to Kurt, […]

September 11, 202655 min

338: How Much Life Insurance Do I Actually Need?

It’s one of the most common questions people type into Google, ask ChatGPT, and search on YouTube. Richard Canfield breaks down the concept that insurance companies actually use to answer it: human life value. What is human life value? According to Richard, it’s “the economic value associated with your life based on the people that depend on you.” Insurance companies don’t know your family’s full story; what they know is your income and your age, and that’s largely what determines the number they land on. As Richard puts it, “your family doesn’t love you because of your income. They love you […]

September 9, 20261 hr 2 min

337: Am I Too Old for Life Insurance?

No, the majority of people who start whole life insurance or Infinite Banking are between 45 and 65 years old. “I’m in my 50s. I’m in my 60s. Isn’t this going to be too expensive?” It’s one of the most common questions Neil Dietrich, Lead Advisor at Ascendant Financial, hears from clients and in this episode of Wealth on Main Street, he joins Richard Canfield to answer it directly, along with several other real-world “trench stories” from years of helping clients navigate Infinite Banking. At What Age Should You No Longer Have Life Insurance? Here’s what might surprise you: the overwhelming […]

September 2, 202650 min

336: Financial Planning After Loss | Jeff Treleaven's Story

Money is never just about money. It’s about the people we love and the future we’re all trying to protect, especially in the moments we never see coming. In this episode of Wealth on Main Street, we sit down with Jeff Treleaven, a teammate at Ascendant Financial, for a conversation that goes far beyond typical financial planning. Jeff has walked through grief most people can’t imagine: losing his father at 16, and losing his oldest daughter suddenly in 2023. Through that pain, he found a deeper calling, helping families build the agency, resilience, and preparation they need before life changes in […]

August 26, 20261 hr 1 min

335: Infinite Banking for Business Owners - A Real Example

Karyn Kokeny, 10X business coach, discussing Infinite Banking for business owners on Wealth on Main Street

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