Your Personal Bank with Ferenc Toth

Your Personal Bank with Ferenc Toth

If you want to live like the wealthy, you need to think like the wealthy. Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry. Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime. It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.

Episodes

March 30, 2026 54 mins
Included in the Census:
 - Illegal Aliens
 - Green Card Holders
 - Work Visa Holders
 - Student Visa Holders
<...

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The government is not serving its purpose when it is not protecting and benefiting its citizens. When it actively prioritizes anyone over citizens, those policies need to be changed.
If the government makes citizens' lives more difficult, challenging, or less safe, anyone involved needs to be replaced.

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Initially I was against the Iran War. I realized it was a knee-jerk reaction to forever wars.

Below are the reasons why gradually have come to support it.

1. Trump is different than previous presidents.

2. Iran is the #1 sponsor of terrorism in the world

3. This is about China and oil, not just Iran. China...

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Ferenc Compares Index Annuities with the new Hybrid Annuities
 
1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.
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Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including:
 
1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index prod...

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Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights. 
     1. An annual review with a client who received 20% return with their index annuity this past year.
     2.A review with a client that inve...

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February 16, 2026 54 mins
Gold dropped 5% while Silver fell 10% in one day recently. The S&P 500 Index has stayed in a range between 6800 and 7000 since the beginning of the year. 2026 may become known as the year of volatility. This is not a surprise. I stated about a month ago that gold and silver had increased in value so quickly that it was unsustainable. I also stated it would be a good time to lock in some gains. When assets increase in value rapidly,...
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February 9, 2026 54 mins
Gold prices have dropped suddenly after a historic increases over the past year. Silver plunged 26% in one day, the largest drop in history.
 
Gold and to a lessor degree silver prices had increased dramatically due to concerns about inflation and excess m...

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A household needs $132,000 income to afford the median home. Only 31% of households can afford the median home.
 
The median age of homebuyers is 59. The average age of first-time homebuyers is 40. 
 
77% of households earning $132,000+ already own their home.
 
Therefore, 50% of the housing market is chasing the 7% of total homebuyers that can afford a home tha...

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Trump just issued an executive order to ban large institutional investors from purchasing single family homes. He stated "A person sweats, works, buys one house and can't take depreciation".
 
The average age of first time homebuyers is 40, the highest eve...

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The mortgage lock-in effect may be starting to ease.
 
There are more mortgage holders with 6%+ rates than sub 3% mortgages for the first time since 2020. 
 
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Will Trump's proposal to ban large institutional investors from buying single family homes reduce housing prices.
 
His statement "People live in homes, not corporations" sounds good on the surface. 
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Citizen journalist Nick Shirley posted a documentary exposing the fraud perpetrated by the Somali community in Minnesota.He visited multiple daycare centers that have received multiple millions of dollars annually yet there is no evidence of any children ever being present. The fraud is estimated to be over $8 billion dollars over the past several years. This is fraud on an industr...

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Ferenc shares his popular annual successful goal setting message!

He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life.

Ferenc also shares the 4 steps to successfully accomplish goals.

Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message.

See omnystudio.com/listener for privacy information.

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December 22, 2025 54 mins

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

See omnystudio.com/listener for privacy information.

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Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people.

This is higher both in total number and percentage than the peak of the Ellis Island period.

42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits.

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Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.

To win a horse race, you need a fast horse and a good rider.

The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.

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Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk.

Nvidia CEO, Jensen Huang, recently stated, "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.

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The median age of all homebuyers is a record-breaking 59. First-time homebuyers average age 40, up from 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legally and illegally. 
 
We need big sol...

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This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates).

Index annuities and Index Universal Life (IUL) allows you to:

  1. Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss.
  2. Double-digit potential annual retur...
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