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

July 15, 2025 47 mins
There is a lot of confusing info regarding the Big Beautiful Bill.    Forget the noise or the politics. What are the facts on some of the key aspects?   No Tax on Tips: up to $25,000 of tip income is tax-free plus your standard deduction of $15,750 for singles, $31,500 for married filing jointly.    Social Security Tax: Social Security Administration estimates 88% of seniors will no longer pay taxes on Social Security benefits.    ...

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Brigham Blackham empowers top leaders through the art of storytelling. With a background in teaching Mandarin and theater, he combines his expertise in communication and leadership to help entrepreneurs elevate their stories and drive impact through personal & professional development. As host of the Levelin' Up Podcast, Brigham focuses on building relationships that foster collaborative capitalism—unlocking growth through meaningf...

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Many people are confused. If houses are not selling, why are not prices not falling? There are several reasons.   Cause: Housing prices increased an average of 50% from 2019 -2024 in the US. Some areas increased up to 100%.   Strong purchasing demand plus limited inventory was the primary reason for prices increasing.   Housing affordability is at historical lows due to significantly higher mortgage interest rates and higher purcha...

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Excessive government debt has contributed to inflation and is pushing interest rates higher.   The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annually. They spend about $7T per year.   Higher interest rates and increasing debt is increasing interest payments on the debt at unsustainable levels.    Many are concerned the debt will lead to a financial cr...

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Pimco released a report recently and stated stocks haven’t looked this expensive relative to bonds in nearly 25 years.

Bonds look better than they have for a long time. 

Pimco states "The traditional world order — in which economics shaped politics — has been turned on its head,” according to a new five-year Pimco outlook co-written by Richard Clarida, now a global economic adviser at Pimco and formerly a Federal Reserve vice chair...

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Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government...

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Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement.    The financial industry ran with this recommendation ever since.    JP Morgan projects the following on a typical portfolio:  Withdrawal Rate       Likelihood of not running out of Money     3%   ...

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Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt.   As a result, the 30-year treasury bond yields rose to 5%. This is the highest level since 2007. Bond buyers will demand higher interest (yield) to purchase government bands due to the increased risk. Bond yields and...

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China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement.   If the high tariff rates had gone into effect, it would have been similar to a trade embargo. Both countries have realized a trade embargo would be devastating to both economies.    The US imports about 5 times more from China than China imports from the US. The US is the largest purchasing economy in ...

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Many companies and people focus on a number to achieve a comfortable retirement.   Retirement is not about obtaining a number. It is about cash flow.   The 4% withdrawal rate is often recommended to ensure you don't run out of money with a high degree of certainty.   Guaranteed Lifetime Income products provide 5-7% withdrawal rates guaranteed for life depending on your age. The older you are, the higher the withdrawal rate.   This ...

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The 2025 Allianz Retirement Survey key findings:   64% of Americans worry more about running out of money in retirement than about death.   The primary causes of their concerns are:    - 54% cite the increased prices of goods due to inflation    - 43% fear Social Security will not provide enough financial support as needed    - 43% state high taxes negatively impact their economic situation   Your withdrawal rate largely impacts th...

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The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology.

China and the US are decoupling economically. 

This is similar to the Cold War with the Soviet Union. That was a military conflict.

We are in the beginning of an Economic Cold War with China.

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The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology.

China and the US are decoupling economically. 

This is similar to the Cold War with the Soviet Union. That was a military conflict.

The US eventually won the Cold War by outspending the Soviet Union, but it took...

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The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning.   The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal.   China exports five times more to the US than the US exports to China. Tariffs affect China far more than the US. They are at a significant disadvantage.   Globalist free trade proponents promised they following:   1. Free trade would lead to fair t...

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The reciprocal tariff policy is about Fair Trade vs. Free Trade.   

Reciprocal tariffs will be calculated both the monetary and non-monetary totals. 

The US will tariff the other country about half of the tariff charged to the US.

 

Non-tariff barriers are often worse.

-        Currency manipulation

-        VAT tax

-        Export subsidies

-      ...

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It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn’t matter. The only thing that mattered was how

much you put into it, because it was going to continue to climb. Recently, greed was at extreme levels.

 

Former Fed Chairman Alan Greenspan had warned about “irrational exuberance” i...

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Ironic that the advice always the same. Stay the course. Hang in the there. It will get better.

Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks.

Hedge funds sold the highest percentage of stocks in early March 2025 since the 2020 COVID correction.

Warren Buffett sold the most stocks last ...

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The Trump administration wants:

   1. Fair trade rather than free trade.

           - Many countries have taken advantage of the US for decades.

           - Reciprocal tariffs are fair, stop taking advantage of the US.

           - Making things in the US eliminates tariffs.

 

   2. Bri...

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March 11, 2025 53 mins
Ishan shares his fascinating personal story.    His first job was an insurance agent learning from Ferenc with Your Personal Bank.    Ishan Patel, CEO/Founder of Audien Hearing was recently named top 3 entrepreneur of the year in the November 2024 Entrepreneur Magazine. https://www.entrepreneur.com/leadership/how-audien-is-revolutionizing-hearing-aids-for-1-million/481105

 

Ishan Patel was...

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Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries

  to continue growth on funds even after you access the funds for other purposes.

  Your Personal Bank TM is a two step process.   1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid.

 

 2. A bank line of credit is typically ...

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