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Welcome to the Never Been Promoted podcast. I'm your host Thomas Helfrich. We are on a mission to help you cut the tie to everything holding you back so you can unleash your entrepreneur. We release five shows weekly, all types of guests, and they are really powerful, impactful things to help you move forward. So hit that follow button. That's my only ask. The follow button on your favorite podcast player, Apple, Spotify, crush that follow button. Thank you so much for listening and enjoy Never Been Promoted.
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Welcome to Never Been Promoted. Hi. I'm your host, Thomas Helfrich. Today, we are gonna talk about forging your financial future with, Joseph Lombardi. That's what the f stands for. He's a legend on Kindle Rumble. Can't cuss on YouTube, so you gotta blank the fucking words out. I just wanna monetize. And if you're gonna have money or you're gonna financially do your future game money, so that's why I'm not concussing right now. Joseph Lombardi, man. We're gonna this he is this this guy is, he's got a lot of views on a lot of channels. He is a legend on Rumble. He's becoming a legend on never been promoted today, just so you know. Our, thanks for for joining in, by the way. This is our mission just to help entrepreneurs get better at entrepreneurship by cutting the tide to to shit holding them back, quite honestly. And, money is a big part of that and knowing how you're gonna retire or if you're gonna retire or what your financial future is, that's a that's something that weighs on most people's minds. There's a few out there who don't. But, Joseph has, I mean, he's got some great perspectives, great products, great services, and stuff that he does to help people. So we'll have a conversation about that. And if you can learn a little from today's guest, then you're doing exactly what you need to to move forward in entrepreneurship. Listen. If you're listening to this,
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or watching, check out cutthetie.com.
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It's my only call to action. It's a community we're starting, where you can go and kinda get help, give help as an entrepreneur. And there's some masterminds and other things you can join as well as get a copy of an amazing book written by me. Alright. No shameless plugs. Joseph Lombardi coming to the stage hot and cracking.
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How are you? Good. How are you doing, brother?
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You give me energy. I just want you to know it's not the coffee. My coffee is broken today. Yeah. I haven't drink coffee for fifteen years. So And you're you're, you're a good man for it. Isn't that that first week of I quit coffee once. It that first week sucks.
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Yeah. I was, smoking a lot of weed, drinking a lot of coffee, and my mom, you know, had a lot of stuff going on. My mom died, and I was going through anxiety and all this stuff. And I was just too dehydrated, and I started getting panic attacks. So I quit and never looked back. Best decision. You know? I I drink more in the winter for sure,
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because it's just cold, like and and so I'll I'll rock out decaf. But I like the taste of it. That's the thing is I actually
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enjoy it. This is good. It is good. %.
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You, where do you live? I'm in, Cheshire, Connecticut. Connecticut. So pretty diverse,
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pretty diverse state you live in. Yeah. Well, there's a lot of shades of white. Yeah. Yep. It's Least diverse state. It's almost like, the country of Slovakia or Poland. It's pretty Well, we got cities that are sanctuary, so there are some places you don't go to at night where it's pretty dangerous. And I used to hang out there as a teenager, and that's where I pick up my drugs and go go to the white rich neighborhoods, flip them, and double my money. So I was an entrepreneur at, like, 16 years old. You know? Oh, wow. Yeah. Man, that's a great idea. I mean, that's how you you just you buy a dime bag. You sell it's a whole thing. Yeah. And then and then there was this place on, in Bridgeport, Connecticut, 1 of the nicest cities in the country. They went on a lot of lists of not that. But, I used to go there at 16. They would sell me, like, 40 ounces of OE and 30 packs of natty ice for, like, a dollar a beer when it was, like, you know, $8.99 for a 30 pack. They charged me 30, and I'd go up to the, you know, to the rich areas and flip them for $3 a beer and stuff like that. Yeah. You're just logistics right there. That's all it is. You're just Arbitration.
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Yeah. I had economics, you know, major in in college. So Yeah. I mean, it's an easy one. That's how you got in school. How'd you get? I was like, well, I was selling alcohol and tobacco and firearms illegally in Washington. Wanted in six states. Do you, see what listen. Just high level, like, we'll we'll dive in a bunch of stuff here a little bit. Just so people, like, who the fuck is he talking to? Because I'm I'm usually usually pretty pretty vanilla. Right? Vanilla, baby. I'll choke you, but I won't kill you, baby. Remember that song? Okay. Yeah. You wanna give you wanna give a little high overview of what you are, who you are, what you do, and and then just back up a little bit into your story of how you got there? Because, I mean, your story's crazy, so just I'm gonna be quiet. Go ahead. Yeah. So I'm the owner and founder of Iron Hawk Financial. I've been in business for twenty one years, won 27 industry awards. I'm a featured in International Business Times, Business Insider, Market Insider, The Daily Caller,
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the Marquise, Who's Who, and the Gresham Library right here. The top 40 under 40 for, you know, 100 INC magazine for finance. I was also on the cover of the Hootsu for building and construction for Western Mass and Connecticut, because I work with over a thousand contractors, have over 2,000 clients, over $2,000,000,000 of protection and rollovers. I'm licensed in all 50 states. I got agents in almost all 50 states. You know, I've written three books published on Amazon, being your own bank. There's a better way than a four zero one k and long term care without long term pains. You know, and I just try and do whatever I can to help people. And I grow. I network. I build strategic alliances with whoever. And, you know, I live by a very simple principle, which will not make sense to you, but I'll explain it, which is seven plus seven equals 20. And people are like, And what I mean by that is, let's say, I'm a seven, and I'm lacking three areas that I need to work on, and somebody else is a seven, but they're good at the three areas I need. But they're lacking three areas that I'm good at. So by coming together, you know, business wise, I make that person hold to a 10, that person makes me hold to a 10. Therefore, a seven and a seven equals a 20. And that's been something that, has really expedited my growth in the industry, expedited my growth financially. I mean, I made over 7 figures last year, and I got the receipts to prove it. And, it's all just helping people. It's all just doing the right thing. It's all, you know, making sure that you are serving people. You know? My my whole life changed when I found God. Money used to be my all time power. I, you know, made a ton of money, but I didn't cherish it and value it. And, you know, I'm on all the DraftKings commercials nationwide, because I was their biggest sucker in 2022. Gambled, like, $13,000,000. Like, with that. But, you know, you you find you you do things in your life, trying to fill holes, trying to fill childhood trauma, and you don't realize it until you actually get the help you need and build your spiritual life, your emotional life, your physical life, and your mental life. And all that does is multiply your financial life, and that that's what I've learned in this journey.
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Yeah. At the I mean, listen, you have a crazy journey there. 13,000,000 a year gambling, even if that's just, like, the same dollar shipped back and forth. It's a lot of time gambling. Now did you blow me back up first of all. Seven plus seven equals 20. Totally get it. It's also the same math basis for a Ponzi scheme. Yes. Yes. Of course. It should be clear. This is like it's not worth it. I I don't wanna imply, by the way, to your brand that he's a Ponzi. By the way, I think it's funny. It's like that sounds did. You put seven in, you get 10 back. It's easy. Yeah. It's it's a win win. That's yeah. At some point, all the money's gonna disappear. Just don't be that guy, and you're winning. You gotta get him first. Don't get him last. Yeah. Try you think about mid form. Right? As long as you know when it comes down. But I mean, first is better. You wanna be at the ground. It's better. Yeah. It it but then upon if you realize the punting scheme is going on, you're part of it, and you just cash out and say, guys, I really wanna be gone with this and just be done with it and just kinda talk about it to anyone ever even if they propose me. Here's your money, and you leave, and they get rid of that guy. Yeah. No. He never existed.
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Mm-mm. Aruba.
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Did you find God or did God find you? That is a great
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great I'm gonna hit you I'm gonna hit you with the hard stuff in here. K? That is something the presidential debate. Questions will be real. Yeah. No. I never thought of it that way, to be honest. Yeah. I mean, I guess, you know, he I I I reached out for help, and and he spoke to me. So I think it was a mutual relationship. I was doing the same thing over and over expecting different results, and it was definition of insanity. And I had to stop it because it was causing nothing but despair and heartache. And when you're making at the at that time, you know, half a million to 3 to 750,000 a year living paycheck to paycheck, you you pretty much have a problem. So Yeah. Yeah. Yeah. That that that there's definitely some problem if you're not making, you know, take home 25 k a month. Not work for you. Yeah. I was making over 50 k a month, and I was still living paycheck. Well, I assume you saved something because, you know, it's all about financial. No. You didn't save it. I was the painter who couldn't pay his own house. Not anymore, though. Right.
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Well, I mean, that's amazing. Like, that you found that that spirituality. Did you,
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did it hit me was it with your mom passing? Is that how you kinda got on the thing, or did it come after sometime after? Or what's I ran. I ran. You know? They say, are you a lover, you know, or a fighter? I'm a lover. And then they say, like, you know, the the fight or flight. I'm the flight. You know? I didn't wanna fight. So I just ran away from my problems using, you know, alcohol, tobacco, gambling, porn, whatever it took to not realize what the real issue was was I didn't love myself. And I didn't wanna look in the mirror, and it doesn't matter how much money you have if you're unhappy with who you are. So I invested a lot of money, a lot of time in supplements and working out, going to the gym, and, having a personal trainer, having a therapist, having a life coach, having a a, you know, marriage counselor, but that didn't really work out too well. But, so just just tried everything to say, you know what the best investment, you know, besides investing with IronHawk Financial is investing in yourself. And that's But you are an investor yourself, and you invest with IronHawk.
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Well, I do both. Yeah. I mean, yeah, we're No. Do are you still on that journey? Do you still find do you find if you don't stick with the, things that got you out of the funk that you're go back to it?
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So I banned myself, you know, on on the apps, so I can't just go in because I was betting, like, $10,000 on on Honduras Volleyball at three in the morning. You know? Just just stupid, stupid stuff. You're like, you look bad. I think it's funny, but it was video. I mean, there's a little there's a little comedy there. Like, I didn't, like, just how you do find that. I didn't care. I was I'm all or nothing. You know? That's my personality. You know? I grew up without a mom. You know? I was raised in the streets. My dad, you know, in the construction company, and all he did was just work twenty four seven. I was raised by, you know, day care. I it was called TLC, tender, love, and care, and I called it torturing little children. And and, like, that that's what I was raised from, you know, and and not having structure, not having boundaries. There's a lot of good in that. You know? There's a lot of good that I didn't have a parent, telling me and squishing me down into a little box and saying you need to fit your you know, I was able to do it the hell I wanted. You know? But but there's consequences, you know, smash your mailboxes, egging houses, you know, stealing Tuesday. Football cards.
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That was just a Tuesday.
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That that was just a yeah. That was mischief night. That was just a Tuesday. That's coming over to school. I got mailbox. Had it coming. Yeah. You got egg. I'm hungry. So, you know, you you you I lived a very, peculiar peculiar life. I I honestly, I don't think I should be alive with, you know, drive a 50 miles an hour every day. You know, like, didn't care. Just I got lucky. You know? I had a I had a guardian angel, and, I I, you know, think I was here to so my three children could be born. And now that they're born, who knows? You know? Got a big see you later. We got your got your babies. Your time is done. But, no, I I think I think I'm putting here, for a reason to try and help motivate, people, protect them. You know? I I saw the devastating effects what happened to my dad when he fell three stories off a ladder, lost his company, $25,000,000. I saw my mom die at 52 years old, shocker, from cocaine and alcohol, doing it every day for years. And then I, you know, watched my grandmother have a stroke after her husband died. My grandfather on Lombardi Masonry left her $4,200,000, and she actually lost her son, my uncle, and her husband the same year, and it just killed her. She went to yeah. I mean, but it doesn't kill you. Dementia doesn't kill you. So she was alive for, like, another seven, eight years. She was a % Hungarian, tough as nails woman. You don't wanna play pinochle or spades with her because she'll just curse you out all night. Like, and while she's chain smoking in the kitchen, just you know? And so You're lying. Like, go on. Yeah. She had a gun. My freaking little little four foot nine grand line, like a gun. It was looking crazy. Did you put it on the table when you're about to play spades? Like, you play that trumpet when
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I tell you not to. No. And after she died, we found two guns in her bedroom. We were like, damn, granny. Like, okay. Good thing you didn't go in there to help her in the middle of the night. She's having dementia. And you're like, four rounds go through you. Like Yeah. Right. Who are you? Pop. Pop. Pop. Yeah. We got lucky. Go in there in full armor. Grandma's dangerous.
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Yeah. But it's like it's not. It's one of those things where it's like, whatever doesn't kill you makes you stronger. And and I never took life so seriously, so I didn't take myself seriously, and I just I just grinded. You know? I I spent I the all or nothing, I said the bad things. Well, the good things are you work your butt off. Fourteen, sixteen hour days, you build relationships. You don't quit. You don't hear no. So so it's a gift and a curse when you have a class a personality and you have a real, you know, a personality. If you're going you're you're doing it or you're not doing it. Like, period. There's a there's there's a lot there's a lot of I mean, I'm,
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there's different levels that extreme, but I'm definitely a a all or nothing. I I I don't I think moderation's a male. It's bullshit word. No one because here's the thing. So I go to the gym every day at eight. I started doing that, early last year or April or so last year. And and, you know, and and debates to my wife, she's like, you know, why don't you just go five days a week? I'm like, because if I don't go Saturday and Sunday, the chance of me going Monday goes down, like, 90%. And and and so I just make sure every day at eight, if I can get there, I get there. Even if I don't wanna be there, I do something. Yep. And the and the reason is because if I don't do that all the way, I just won't do it Yep. All the way. And I won't do it all. And so, like, same thing, like, I, you know, I quit drinking eighteen months ago or so, and it wasn't because I was having a problem. It was just that I think ten year last ten years of my life will be better because I don't drink. And so I but for me to do that, I had to just stop. Not that I won't drink. I might I mean, I'll have it. If I want a beer, I again, it adds value. Maybe. Sure. But the truth is it doesn't add value. So the point is I know this personality. I think lots of people listening understand that personality of anything worth doing is worth overdoing. I never heard that, but that is so true. A friend of mine who's very, very moderate and, you know, just balanced human. I'm looking at him like, man, must be good to you. He's like, anything you're let's tell him. Anything worth doing is worth overdoing. Yep. It's true. If you like it a little, might as well like it a lot. Yeah. I mean, I remember the year I played learned how to play golf really well in my twenties. I just gotten laid off. It was, like, after the .com boom. I took a year of my life and just all I did was golf. Lived the PGA Tour professional where thousand balls a day minimum, like, be like, twelve hours of golf and went from, like, you know, shooting eighties to breaking 70 in a year. And it was, like, studied it, the mental game, all of it, got in shape for it, and it was like, that's obsessive right there. That's crazy. I get where you're at. And you've applied that then to you take and said, hey, listen. Instead of doing, you know, Coke four times a a week and and and not sleeping for four days in a row, you said, let's take that energy and focus and and go make money and help other people make money and build a network and become something super.
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Yeah. I mean, when I started spending all my time, building up other people and helping them and teaching them and, you know, I'm one of the top guys in the country, production number wise. And, the they were very receptive and and seeing the success they're having on the Iron Hawk financial team. Because, you know, all I did is just I I've been in the industry for over two decades, so I've I've been in all farms. You know? I've been in the general agency. I've been in the independent marketing organization and network marketing, and I just took everything I learned of the good things, and I built IronHawk Financial where people have high payouts. There's training three times a week that I'm running, three times a week. You know? They they're building teams under them, and they're making overrides because my payout is one of the highest in the country because I deal with hundreds of millions of dollars. And it's, it's working. You know? People that haven't even been in the business for twelve months are making 6 figures, and it took me,
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I don't know, six years in the business to get there. So Let's just talk about your business. Let's talk about that a little bit. What what do you guys do? Like, what's the, just take me through you know? And there's the reason I asked this because some people are like, well, I wanna join this team or I wanna start a business like that or or screw that. I'm never doing anything like that. That's not me. Tell tell me about, like, what your business does and what's the value to the customers and and then how you make money.
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So I specialize in a IRS code called IRS code section seven seven zero two. That IRS code is embedded in a permanent life insurance policy. I don't know if you recall when Donald Trump and Hillary Clinton were on the debate stage for the twenty sixteen election. And Donald, you know, Hillary Clinton goes to Donald Trump. Hey. You're a bad orange man. You pay no taxes. And Donald Trump says, it doesn't make me bad. It makes me smart. I use the same IRS codes that your donors use, and you had thirty years to close the loophole and you didn't. So that is what I've been specializing, you know, in for my whole career, which allows clients to, legally build their own bank. And one of the books I've written, there's, Forbes articles on my strategy called rich person's Roth, one written by a certified public accountant, one written by a certified public, you know, financial planner. So it's it's a strategy that the ultra wealthy use. You're talking about a multibillion trillion dollar industry that the average person doesn't even know exists. They hear whims of it on, social media, like infinite banking, be your own bank, rich person's Roth. They hear these acronyms. They don't really know what it means. Like, I'm not gonna invest in Well, explain it for, like, the the lane the person making, you know, maybe a hundred k years of family,
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what is it? Like, what how does it work? It basically, a Roth IRA on steroids.
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And what I mean by that is you can't lose. It's been averaging, just shy of 15%, fourteen point nine three tax free annual compounding returns for the last twenty years documented. It's backed by a hundred and seventy eight year old triple a, a plus rated mutual company that survived the civil war, World War one, the great depression, World War two, never needed outsource money. It has, tons of very, very wealthy people that invest in it. You know, it's it's the best strategy when you compare it to what the average American is investing in, which is the government. Right? I love my country, but I hate my government. I really do. They don't give a crap about us. You can't have one person represent 400,000 people and think they're gonna be doing a good job. It's hard as a husband to represent your wife and your three children, let alone 400,000 different people. So we know we don't have representation. Right? And so we shouldn't really be paying taxes if you really think about it. We don't go down the rabbit hole. You know? Taxes is theft. So if you can build an account where the government legally has no jurisdiction in it, it's sue proof because of HIPAA laws. Remember with COVID HIPAA? That you can lean the money out. So let's say you had a four zero one k, you had a half a million, and if you pull out 300,000, first of all, you can't do that because you're gonna get killed with 10% penalty, fifteen hundred and a half year rule, federal tax, state tax, FICA, Medicare, and employment, Social Security tax, etcetera. So you're literally what the average American does is they take their their retirement. They give half to Wall Street because if they're paying one one and a half percent compounding over thirty years, Wall Street is just stealing your money. Hundreds of thousands to millions depending on how much you're contributing. And then when you pull the money out and you take the distribution out, then you have the government taking half your money. So we're talking about cut the tie, cut the government the hell out of your retirement account, because half of that don't belong to you. And you can do that. It's legal. But people just don't understand, like, you know putting money in the, like, a insurance policy of which you can borrow against the value of it to some degree. Is that the short end of it? Like, if I put a hundred thousand in and whatever it is, well, let's not say if you pulled out 90, you still earn interest on a hundred thousand. So, yeah, it's something Because it's it's a Nondirect recognition. Is a is a is a in the you still have an asset and a liability, and so you still Well, it's a mutual company. So the lien comes from the general account and and the and the loan goes against your death benefit. Your investment account is totally unaffected whether you have 99% out on loan or if you have a % in there. So if you wanna talk about being able to earn two streams of income on $1, if the fund's been averaging, call it, 15%, they're charging you five. Can you imagine a negative 10% interest rate on a loan? Like, I have all my clients who do the by car. What's going to draw? Do you have to do you have to fund it for a certain amount of time or a certain amount? What's the It's all relative to your age, your sex, your health rating, how much you're putting in. You know, it's all software. The IRS is involved, of course. So you can't just buy, like, a $10,000 death benefit and dump a million in it to save taxes. So there's a formula, but, you know, I have the software and, not a lot of people do, but I do, which, you know, builds it out where I usually build it where it's max cash value minimum death benefit because a death benefit is what the costs are on, and that can really eat up the growth of the account. So it's it's all about how you build it, what carrier, what riders, what structure. Is it direct recognition, nondirect recognition? Does it have option contracts? If so, is there a cap on them? So you have to understand, like, 95% of these policies are crap. They really are. They're crap. There's and and I'm a broker, so I have access to all 200 companies. So I I usually just sell the best, which right now is National Life Group, Pac Sun, or Allianz. Those are the only ones I would ever look to do competitively wise for the growth, the no cap, the non direct recognition, the hundred years, the mutual, aspect of said Allianz or stock. But so it's it's one of those things where if you make a decision to do this, you can't just nonchalantly do it. That's my part it had a bad rep too. Right? The people from Oh, yeah. It's Because you can build these where you get huge commissions, and it's like, screw the person. That's what I'm saying. Like, the the rep the rep comes from The the used car salesman rep. Yep. Yeah. Yeah. Well, the good news is why because it might benefit them, but they're like, but I'm paying 20% of my money goes to them for the first three years or it's like some kinda, like, crazy hilarious because if I just watched a TikTok video that had a four zero one k, I'm gonna steal it as a four zero one k verse, IUL or whole life, contract. And if you go over a thirty year period, you end up paying 17 times more money in a four zero one k than you do in an IUL or whole life. It's a misconception that the government put out to say, oh, look. We don't charge, you know, 30% for a few years. It's like, no. You charge me one and a half compounding on my number, and the residuals on life insurance is on your contribution, not your whole account value. So if you imagine you had this thing for twenty, thirty years of four zero one k, you started at, like, $5,000 a year. You put in a buck 50 over thirty years. It's worth a million and a half, and they're charging you 2%. So they're taking $30,000 to manage your account year thirty when you only put in $5,000 a year. That's your that's your first six years of contribution we're taking from you in year thirty. Like, it's it's they take over half of your contributions when you look at it. So you have Wall Street hitting you from one side. You got the government hitting you from another side. You think they're your friend when they don't even know your name, your Social Security number, slave number, same thing, x y z, and that's that's all they care about. So that's a good question. So so
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did those come up? You know, not I'm not a conspiracist, but, like, people do work together to make things happen in life for themselves. It sounds like when those got formed then, you sell them a lot that, hey. It's tax free. You get more money, compound interest, all the things that go with it. But the truth is, Wall Street said, yeah. But we'll just charge one and a half, 2%. You'll make it a significant tax benefit, and we're gonna make a fortune. And then you can also then borrow and put treasury against that steady income assets under management type of approach. That sounds like a very
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combined thing that went on there. You create such an incentive that people put so much money into it that they're like, you know, we'll we'll we'll collect one and a half, 2% to manage those, and you'll make it so it's a no brainer for every company on the planet to do it. Well, and they mandate it with guns. I mean, if you have more than than 10 people or now 30 people in some states, you have to have a four zero one k. So whenever the government comes to you with a gun and says you need to do something, it's usually not in your best interest because they'll throw you in jail. Some states require you to have a four one k option. To if you're a business owner and you have more than x x employees. It's mandatory to offer it. Mandatory. Then you need to file 5,500.
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They ain't gotta pay a third party administrator or TSP. Yeah. No. It's like enough cost. It's well, even like, I'm a small business owner. Our teams are all in Philippines.
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We pay them Oh, you're called then. Yeah. Because they're not US citizens. Yeah. Right. It's not to send them anything. It's on it's just pay them PayPal. It's an expense to me. Yeah. PayPal. No. No. When you have American citizens, you have more than 10. If it's five in some states, ten, thirty in some. But once you hit that magic number, it's like, oh, yeah. You gotta have this. You gotta have health insurance. You gotta have that that oh, all your profits? Yeah. See you later.
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Well, that's the thing is, right, we would be completely in a global market for what we do for marketing and other things. And uncompetitive if I had to, a, pay a US person, which would cost more than the entire team of eight in The Philippines. And then let's say then you add all the other stuff, you know, the 25% on top of whatever, you know, for every every dollar I'd have to pay them, I have to make a dollar 25 just to cover that payment of services Yep. Them. And then if you have four pays for price for everybody else. Yep. Yeah. It's crazy. So, I like that. So, what's, what's kind of the minimum I mean, you have to have some cash flow in your life to be able to do this. Right? Yes. Yeah. I mean, I You can't be, like, paycheck to paycheck saying, hey. We're gonna drop $500 in and be good. No. I turn away more clients than I sell. If I was so. Because if I was an a hole not ready for this. They're Yeah. If I was an a hole, I'd make triple what I'm making now. But I I believe in karma. I believe you do the right thing, comes back to you 10 times.
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So, you know, I have clients that do $20.30, $50,000,000 a year. I have clients that do $500 a month. Is there is there a cap, though, how much you can put in in the call? It's so as long as you have the income to put it in and show, it's not laundering money. Right? So I have A and L training. You know, as long as, you know, you said I make $20 a year, can I put in 500,000 a year? It's like, I don't know. But, yeah, there's there's really no limit. I mean, it's it's it's 30% of your income depending on your age. If if you're younger, you could do more. If you're older, you do less. But it really comes down to if if I told you, if I just made it stupid simple. If you if if you had a choice between four zero one k a and four zero one k b, four zero one k a at a fifty nine and a half year rule, 10% penalty, filo first and last out, high fees, government can lose if the market goes down. That's $4.00 1 k a. Four zero one k b is tax free. There's no fifty nine and a half year rule, no 10% penalty. It's sue proof. It's divorce proof in some states. It's nondisclosable on the FAFSA form and secondary form for your children, so it doesn't disqualify them for grants, scholarships, low low interest in loans, financial aid. All three of my kids got it right when they were born. Right? Can't lose averaging 15%. So when you compare and that's tax free. So when you compare the last twenty years of the s p 500 to this for the last twenty years, this has averaged because men lie, women lie, numbers don't lie. This has averaged four times more net rate of return. The s p 500 average seven and a half taxable. This has averaged 14.9 pre tax free. So if you do that, it's double, but then if you were to take all the taxes out upon distribution, it's quadruple.
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How how does it work though? Like, let's say, you're making good money in your w two employee or whatever. You know, you're making a couple hundred grand a year, and you're making some good money, and you're you put, like, you know, a thousand bucks a month into something or whatever you're doing. And then you lose your job, or you become an entrepreneur, and you're broke, and you can't contribute anymore, or at least you can't for a couple years. What happens to that that asset? Great question. So with whole life, because I sold that for twenty years,
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you're sort of stuck. Like, it's very rigid. If if you say you're doing $500 a month for twenty years, you gotta do $500 a month for twenty years. If you can't, there's some flexibility. It's something called RPU, reduced paid up. There's some flexibility, but not really. In the index universal life space known more as the infinite banking be your own bank strategy, that one you have full flexibility. I have clients that turn off their contributions for three years. Mhmm. And then, you know, their their parents die or they get back into, you know, making good money, and they could back track all the money that they had. So it's really, really all about how you build it. And the better it's built, the lower the commission the agent makes. And that's why a lot of these guys are like, I don't know how to build these things. Let me just build them at Target because that's how they make all their money, and they only sell 10 a year. I sell over 10 a week. So it's it's, because I'm in volume, I'm able to hook people up, help people out. I mean, I'm talking to eight to 10 people a day opening up IUL accounts, rolling over four zero one k's and IRAs into fixed index annuities and growth annuities. But, yeah, it's it's it's an amazing job because I can say legally that I've never lost a client a dollar in twenty years. I never charged a client a dollar in twenty years. So that that is something important to me. Plus, I've had 13 people out on disability, and I've delivered six death claims of over half a million dollars minimum to, spouses that lost their other spouse. And while they were emotionally going through, a lot of pain, at least financially, they weren't. So there is a financial foundation component on it. There's a tax saving component. Think about the interest savings. Right? I just bought a new Escalade, a hundred and 30,000 in cash for for my wife currently. And I I, took it out of my my IUL. This this year, I think it averaged about 12 and a half percent rate of return. They charged me 5%, so I made 7% still on that hundred and $30 net. So instead of paying Cadillac of America, let's say, 8.9% on a hundred and $30, I ended up making 7%. Do you know the paradigm shift of that per year is about 15 to $20,000 of savings. And what's the average car note term? It's like six years. So seventy two months. So some are eighty four months. So if I'm saving, let's even call it 10,000 to be super conservative that it was a really bad year, which, you know, the market did really good this year. That's $60,000 in my pocket that I didn't have to give away and that I ended up making that, and I got the write off on the truck because I own a business. So now the government covered 40. I still made money on the on the the loan of the truck. I saved all that money I was gonna give, Cadillac of America, And I ended up pocketing, literally getting the truck for free, like, free. So in that in that scenario, like, right, so you you you you built up one of these assets to, let's say
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what's the percentage you can withdraw from it? Like, seventy percent? Ninety something
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percent. I mean, it all depends on how much you continue to put in, how much you have out, what's in your account. It I have there's there's a software that There's there's a it's a practice. So let's say you put a couple hundred grand into something. Yeah. You could probably pull out 76 60 to 70, you know, year one if it's built right. Year two, probably '80. Year three, '90, '90 '2, '90 '4, '90 '6. After ten years, a % of your money's liquid. Is it a is this one of those things, though, let's say you're a C corp business? Mhmm. Could you be buying these for your executives? Could put them inside your C corp through slats and as we do estate planning. We have lawyers, accountants, attorneys. We do second to die plans instead of inside of irrevocable life insurance trust. We do super complex stuff that you couldn't even believe, deferred comp, buy, sell agreements, key man insurance. You know, if let's say you had one guy in your team that you could not lose him, he's 80% of your revenue. You can literally stock a life insurance policy on them, and if you were to die, that money goes to the company to replace him. So there's tons of strategies to use. It's really what the sophisticated investors use. The average Joe Schmo investor, doesn't really know how to spell, life insurance, let alone know the section codes, how to build it, the riders. It's it's very difficult. But if I've been doing this for over twenty one years with zero complaints. So everyone's happy. Everyone's making money. Nobody's losing when the market's down in o eight, in o one, and, you know, 2020, '20 '20 '2. They don't lose anything. Like, the their their friends are looking at their four zero one k's go
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Yeah. And they're like, the sky's falling. And they're like What's the what's the regulation on it then? So so, you know, how does the the things I come to mind. Right? And I and I we've we I've talked to some people in this, and some things that come to mind when I've I've met with others. You you know, you talk to people, and they're like, hey. What do you think about this? And then they come up with all the shit they come up with. Ponzi, this. What how do you is it regulated? Like, you know, how how how, you know, like Oh my god. Avoid the Bernie made Madoff's,
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situation. There's no Bernie Madoff here. I mean,
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you have a state department. Used to say that too, just to be clear.
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Well, he he didn't last a hundred and eighty years, and he he didn't have, trillions of dollars and and tens of thousands of clients a month going into it. But, yeah, I mean, you do a fact finder. You know, you learn assets, income, liability, goals, time horizon. They wanna leave a legacy. Some some spouses are like, hey. If I die, my wife's gonna find some new d, so I don't care about her. I have other people that say most most important thing in my life is making sure my wife's safe if something happens to me and my children are safe. Some guys say, you know, I wanna die with a dollar. Some people say I want to leave as much of a legacy to my grandkids as I can. So it's it's not there is no one size fits all. That's that's the problem. And then you have a lot of network marketing companies where they're like plumbers during the day and financial advisers at night. It's it's not somebody, in my opinion, you wanna work with because, a, they're gonna be around when you need them two years from now because ninety five percent of financial advisers can't make it to year four. So you're talking about nineteen out of twenty people that get licensed aren't gonna be in the business forty eight months from now. So you really have to make sure if you work with somebody, you know that this is they're all in. They're doing this twenty four seven. You know the stuff I have to know about crypto and the market and interest rates and inflation and the Fed and stock markets and meme coins and and and other companies' products? Like, why not New York Life over MassMutual? Why not Penn Mutual over National Life Group? I have to know their products. I gotta know their returns. I have to know their cap rates. It's it's an insanely, intrusive business. And I gotta do my my CE credits, continuing education credits. Then I gotta run the team. And I'm also I have three kids. I gotta coach basketball and lacrosse and football. And, technically, right now, I'm still married. So, it's it's one of those things where, it's a lot, but it's something that I love. And when you do something you love, you don't work a day in your life. And I love numbers because the only thing in my life only thing in my life that I know is definite. Two plus two o is before. Two plus two can't feel like it's five. Well, well, two plus two can't wake up on us. 10. Two two plus well, and you're actually two two plus two could bet at best be four.
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That's it. Wait. Wait. Wait. No. It'll be eight because they can have two that you don't have, and then you can have two that they don't have. And together, you're at least an eight. So a two plus two could be eight in your own math. I'm gonna throw it out there. Because seven plus seven could be 10.
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Oh, in my own math, but I'm I'm saying the the numerology.
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I like that. Okay. I get it now. I'm good. Two is eight. Okay? Yeah. Two plus two equals eight in my thought process. But two, I can only be a two. He can make you a fifth. Together, we give you two fours. Does that make us an eight or a 10? We're we're in a four. It makes you a four because two sevens can borrow the threes and become a 10. And then two twos can borrow the doing there? Yeah. Alright. So you say you're still married. What's going on? You wanna talk about this?
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It's just twenty two years. We're gonna, cut this part of the show. No. It's all good. It's just it's just twenty two years. You know? It's it's been a lot, but my kids are now older. 10, 13, 16. I I stayed a a lot of years, whether I should have or shouldn't have, but I did it for the kids. But now now they're they're they're a lot older. So, you know, I I just wanna be happy. You know? I just turned 40. Life goes by fast. I remember being 21, like, few years ago, and it's like my life doubled. So it's doubles again. It's gonna be 80. So, I just wanna enjoy my life. You know? That's all I want. I just want peace. I have all the money. I have the abundance. I have the residuals. I mean, you know what the residuals are on $2,000,000,000? So, like, I don't have the word At least a hundred and 50 cash. Yeah. Like, third $30. 30 8 bucks. But it's one of those things where I'm just trying right now to live in peace. And and and I wanna be good role models for my children. I want to build this business for my children. They're not you know, my 16 year old's my oldest son. I got another son who's 13. My daughter's gonna be 10. And I wanted a place for them. You know? Not even plan a, just a plan b. Even though my oldest sees my lifestyle, he sees he's like, you know, I showed him making a quarter million in a week. He's like, are you freaking kidding me? He's like, I know some of my friends' dads make $50 a year. You made what they made in five years in a week. You know, like, you know, it's it's but I did the right thing doing it, and it hurt anybody, and everybody was happy with the results. So, it's something where I I wanted to just be happy. And,
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sometimes you're not, and you fight it, and you try everything you can, and and it is what it is, you know, to be honest. You know? Yeah. So so I gotta get the same age. And and I'll I'll give you a perspective that I had the, I'm 49. Just just got through our thirty year high school reunion, and and you go to that, you're you're a few years up now. But, when you get there and you see that there's there's some people missing because they're just, you know, they're the maker now, and others didn't show up. And you see others around you, and you're like, man, people have really, really aged. And and then, you know, you realize though in that moment that, hey. Look. You know, average lifespan's, like, mid seventies, and if you can keep your shit together, you probably should live to mid seventies. And so I was like, man, I actually have I just graduated high school, basically. I have thirty years ahead of I'm I'm in my midlife at 40 Right. If we live to 80. Right. When you say midlife crisis is 55. Cognitive, functional. Yeah. I can still have a pretty good life at 80 is 80. Like, you might have some shitty years after that. But the point being is you still you just graduated high school, so what's next? What would you do different? Would be the question I'd ask you. And and if you wouldn't do any different or you're like in this next phase, I'm gonna go do these things better. Yeah. I mean, what could have done differently? Oh my god. I I I would have Just do it now. It's only something I'm saying. Like Yeah. You're you're 18 again. So there you go. Yeah. 18 with 40 experience. Shit. Everyone's like, oh, if I could just go back. I'm like, you don't have to. You're there right now. You're still alive. You don't have to. You're still in the gate. Like, yeah. You're still here. You know, it's always funny. Today is always the youngest you'll ever be. Exactly. Yeah. That's why I look at smell so good.
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Nothing wrong with you, man. Who's better than you? Totally wrong with me. But
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I will tell you, the the I think let's do a shameless product or shameless promotion for you. So That's good. Who should get a hold of you? How do they do it?
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You go to ironhawkfinancial.com. There's contact us. If you're interested in my books, all three of them absolutely for free even though I made a lot of money off them. Special promotion, free. Free. Free. Free. Just write an email to joe@ironhawkfinancial,j0eatironlikethemetalhawk,likethebird,financial.com. I just put free books. There's no obligation. You know, I'll send you a Calendly link if you wanna have a free meeting. But, yeah, I can send you articles for free. Just just wanna bring value now at this life. You know? This is something that's catching fire. Even I've been doing it twenty one years, it's getting a lot more popular now with with social media. Instagram, TikTok, Facebook, YouTube shorts are now talking about this. The government has done a really bad job of how many people they murdered in California, in my opinion, on purpose to build a smart city.
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So the you have to understand the Is that sorry. Is that interrupting your shameless promotion, but it's since it pivoted, I'm gonna jump in. Yeah. I love to murder. The theory you're going with is the fire the wildfires were, I mean, a counter done by due, a direct energy weapon like they were in Hawaii. No. I just Yeah. For the for the hydrology smart cities. I think it's pure negligence.
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No. They're not that dumb. They're not. I know I know I know you think it. I know it's easy to make the inclusion. Everything's methodical with the government. They're not You know, I know, is
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the guy, he's he's politically aligned. Yeah. And he he's a he's one of the he's got his name's, he has the commander brand. And I watch his stuff, Jeremy Jeremy Ryan Slate. He's in California right now, and he's and he's out there working or something. And he said, jump down the road, and all of a sudden, like, a bush comes on fire right next to me. There's no fire around. He's like he's like, people are setting this shit. That that's what he had said. He's like like, it just like, the like a They caught a guy. They caught a guy with a a a legal immigrant with a, flamethrower. I well, that or, you know, your your, so you're saying a government hit a hit a ray gun They have a direct energy weapon. I don't know. You say tinfoil hat. Cool. I don't care. I know what I know. Oh, there there's these things exist. There's there's crazy weapons that we will we. Listen, the the Blackbird flew for almost thirty years without anyone knowing about it. You cannot imagine what's going on now. Remember? Lasers. Lasers.
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Laser. I mean, freaking sharks. Lasers on shirts. You know, all that stuff, I swear, it's all programmed in in Hollywood. Like, they I don't know if it's operation looking glass through the CIA, which all this can be literally verified and looked up. So you don't have to think someone's crazy when there's actual documents from our government stating facts. So So you think you think LA, they said, you know what? We gotta It was it was it was a and we're gonna percent. I mean, you heard Trump said there's a water stream going right through it. They could have easily done it. You I just watched a a a a a video right before I hopped on where they they they took $17,000,000 out of out of out of the the city, to get rid of the brush. Everything they they could have done, they didn't do. There's fire trucks that are that were ready to come out, but they had to go through inspection to go to a fire. Like, it's everything does not make sense. When it doesn't make sense, it makes money. And it's not making money for us while all these people are dying, but there's people making money. If it doesn't make sense, it makes money. Always follow the money. Listen. Like, whenever there's a national, or or act of God disaster, hurricane, whatever, earth act of God, it's act of the devil, but go on. Act of somebody. I know. It's all about wording. It's all about manipulation. Whatever it is. It's an act of Yeah. Mass destruction from the earth. Yeah. Some sort of sun, people make tons of money because because the rebuild Well, they knew it was coming. You can't make money unless you know it was coming. I mean, that helps. Look at nine eleven. The guy took out a a an insurance policy double double the cost of the towers.
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I had no it was just a random I got lucky that I made an I didn't know that I actually I I haven't fact checked that. Not that I will ever. But that No, please. Oh, sorry. Something you if you trade a stock and make it 16 percent higher than the next guy, you get investigated. You're telling me that guy didn't go to jail? No. He didn't go to jail. No. He was protected. How about So you see alright. So your your theory is here, I see. About the passport that fell out of an airplane that disintegrated into the tower, but a paper passport just flew out when everybody else disintegrated, humans disintegrated, metals disintegrated. Paper
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flew down and went on Main Street. Just let me get this ash off of this. Oh, it must have been, this terrorist name. Right? It's you can go on and on and on. Well, I mean, if if you if you know your tower is about to get hit and you say, I think I'm gonna increase my insurance. Something's like We did it. There was $4,000,000,000,000 missing in the budget. There was a missile that they called an airplane that hit the Pentagon right at the exact spot where all the forensics accountants were trying to figure out where $4,000,000,000,000 went. And then when after all that happened, nobody nobody's I don't know. 4,000,000,000,000 just disappeared. That's the theory of, nine eleven is that someone's trying to cover a $4,000,000,000,000 scandal. You had no idea of an dude, I feel like I don't I don't watch list I don't watch news. Oh, okay. It's not news. It's you actually have to do your own research, and you actually have it's the news isn't gonna tell you that. The news they're reading from a teleprompter.
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CNN, Fox, they're they're all they're all the same. They're they're trying to brainwash you. I know we've we've digressed, and And I don't care if this is just fun because this is why when you own a podcast, you can go with this. Entrepreneurs, you can hang out now if you're just listening. Now this is just
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I'm so sorry, guys.
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You have nine minutes or four or five minutes here left. We get to so where does one go investigate news? Now news, you know, you know, we go biblical. Right? News was good news. It was the gospel. You're telling me that where do you go get
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semi factual truth to find Where what what one thing did the government say we have to shut down on social media wise? You know the name of the app? I think it's TikTok. There you go. Why is the government care so much? Because China steals our information? No. They steal our information. And Snowden told us they did this shit fifteen years ago. Imagine what they're doing now with the technology they have. They wanna get rid of it because they cannot control the flow of information. So it's wide open. It's people speaking freely saying, hey. This is what I feel. What was your first thing you said? I can't say the f word because YouTube is going to do what? Well, wait. I can't monetize. I can't make full 14¢ off this if I can't. You see what I'm saying? So if we know the system is rigged to not have freedom of speech, they're trying to get rid of the only app left that doesn't have United States control over what you can say, what you can do. So the propaganda is, oh, China's listening. That's the propaganda. So that so you know how many people I talk to? That that app is who how do you how do you know? Oh, the stream you're on TV? I'm no problem with TikTok. I because I I feel like love TikTok.
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If you don't think that every app that you have on your phone is listening, collecting data, and ignore you're There's apps that can they your brain, if you think it, like, they're Why don't we're headphones? They're just searching your brain right now, and they're getting all your financial secrets out of you.
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But I'm I'm serious, man. It's it's people people look at things they don't understand because it wasn't told to them by a stranger on a television set, and they think that that's bible. God is not on CNN. He's also not on Fox or on ABC. Good point. So so you have the devil that is telling me I've got Jesus as a driver in Uber.
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That's awesome. Yeah. Hey, Susan. Yeah. If you tip him, if you don't Oh, you're going to Alright. This is what I'm gonna do with your your sound bite. This is what you do this would be the the social media way. I'm gonna take what you said and say, you know, Joseph loves China. No. Liberals would do that. They've what? They would they would take this. I'm gonna do that. I'm I mean, Joseph I'm gonna get great. Finally, I'm a China lover. My guest loves China. He's all about TikTok, and he wants you to put all your information out there. And by the way, buy his product. See, that that I won't do that. No. But that's what people do. They'll say something like that that that you believe to be reasonable and true of, like, hey. Listen. It's a free speech. You can't, by the way, say anything. Let me explain why. I can't advertise as never been promoted on TikTok. They they will not tell me why. Like, there's there's, like, oh, you had you're banned till 2034 because your content violated our policies. And I said, I have no idea because my this is the content. Right? It's just talking. And I don't I don't even put the podcast out there, so it's only like an interview. It's just and they won't tell you they they can't show me what content it was. They just say, hey. You're banned till '23 from advertising. And so I'm I'm I actually don't care if TikTok gets banned because I was about to delete the account because I can't do anything with it. But that they are not free of speech, to be clear. They will shut you down for something, and they won't even tell you why. And I I assure you, as somebody who's pretty middle of the road on how I do my brand Yeah. There's nothing possible
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that should've shut that account. Freedom of of ideas, not freedom of speech. I find I mean, my point is the the the fact is that it it I find that say it, but they'll demonetize you. YouTube, you can't say it. They'll just take your video down. But, Damian, there came some video was. Like, I Look what they did with COVID. Been deleted. If you said, oh, you know, if you had any type of of you didn't think that the shot was good. They didn't care what. You doctors. I mean, medicals, PhDs, they're gone. And then they had sports athletes. Like, the guy behind me, Emmitt Smith, who I don't really like that much anymore. He's the one saying, everyone get the shot. I'm like, this dude played football. He doesn't know nothing about medical procedure. Like, it's just so you have to understand there's a game being played. And if you don't realize what the game is, you're playing checkers while they're playing chess. So you really have to do some critical thinking, which a lot of people don't wanna do.
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That's right. Let's go get drunk.
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Hey. No wrong with that. It's only been eighteen months. You could do it and do another eighteen. You got this.
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I didn't actually, I haven't quit drinking, to be fair. I just it has to add value. So here's my example. I've been to I've been to Guinness, Saint James. Right? Yeah. I don't need to have another Guinness there. I would just have I actually like the nonalcohol version. But if I go to Czech Republic and to Pilsner where Pilsner was born actually, it's probably born in Egypt, to be fair. But but Pilsner was born from the Pilsner. I'll probably have one or 12 there Yeah. And have a terrible second day. But just because it has if we go to Tuscany, the wine country, I'll probably try some wine.
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So you're not you're not experience where you are. But if I'm not doing it, you're just doing it socially.
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Right. Like, New Year's, I don't need it because I'm just gonna be tired and pissy the next day. So I just I I just have fake beer. It's fun. Yeah. Anyway, you rock, man. I look forward to it. If there's anything else, obviously, I can do to help, after the show, let me we'll be in touch. But this is the first minute conversations Joseph and I are gonna have because he's a fun guy to talk to. Ironhawkfinancial.com, Joseph Lombardi. Thank you for coming on. Thanks, man. Alright. Cool. I'll be with you. I'm putting you in the pink well, pink room. No. Periwinkle room. I'll be back in a second. Thank you for everyone who's listened and gotten to this point into the show for never been promoted. You know, just get out there. Cut ties that shit holding you back, things you believe in. Go, you know, research stuff. You know, if your questions about the financial impact, what he can you know, would you describe me with some of the products and services, around creating wealth in your own bank? Check them out. Go to ironhawkfinancial.com. I appreciate Joseph for getting on here. But until we get in here again, it's not even a but. And till we meet again, get out there. Go and unleash your entrepreneur.
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Hey. Before you go, hit that follow button on your favorite podcast player, Apple, Spotify. Crush that little follow button so you get the latest episodes as they come out. Thank you so much for listening to the Never Been Promoted podcast.