Tag Archives: Debt

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16. Do you Know How Much Money You Need to Retire Comfortably?



Have you taken the time to calculate the numbers to know how much money you need to retire comfortably?

If you’ve gotten serious about accurate retirement planning, then you need to know how much money you’ll need.

Some people think that $1 Million would do it for them; others think $2 Million, because that would make you a “millionaire” after all, right?

If you think that’s enough, you are sadly mistaken. It’s time to wake up.

In this episode Vance Lowe and Seth Hicks, Esq. discuss three reasons why you will need to save $3 million––or more to enjoy a decent retirement lifestyle.

Vance and Seth discuss: 

  • How inflation is rapidly eating America’s spending power 
  • How the cost of living increasing heavily impacts people planning to retire
  • The huge expense of accounting for future healthcare costs set to be covered by Americans (not covered by Medicare)
  • And more

Resources: 

  1. Can You Retire Financially Free and Independently Wealthy simply by self-financing your automobiles? Twin Sisters Part 1
  2. Can You Retire Financially Free and Independently Wealthy simply by self-financing your automobiles? Twin Sisters Part 2
  3. Can Your Business cash flow catapult you personally into financial freedom? Paul Bunyan Part 1
  4. Can Your Business cash flow catapult you personally into financial freedom? Paul Bunyan Part 2
  5.  Can Your Business cash flow catapult you personally into financial freedom? Paul Bunyan Part 3

Connect With Private Banking Strategies:


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15. Protecting Your Assets in the “Vault” of Private Banking Strategies®



“It’s not what you make that counts, it’s what you keep that counts.” 

And what you keep entirely depends on having an asset protection plan in place. 

Having an asset protection plan in place is a necessity for those who have cash, real estate, a business or any other asset worth protecting. Fact is, if you have anything of value, you are a target in today’s society! 

… A target for the taxman, aggressive plaintiff’s attorneys, creditors, and thieves…your assets are attractive simply because you have something to take. 

If you have ever been sued or had your bank accounts frozen and sucked dry right before your very eyes, then you know how it can destroy not only your finances, but also your family.  It can rock you emotionally — destroy your confidence, your ability to function or make any money at all to just survive. 

Which is why asset protection is the number one pillar of Private Banking Strategies®. Our clients range from high-net worth individuals, entrepreneurs, investors, to successful family-owned businesses …but they all have one thing in common – they want to legally keep what they’ve earned out of the reach of others who want to take it! 

In this episode Vance Lowe and Seth Hicks, Esq. share: 

  • How to create an impenetrable private cash “Vault” of protection with Private Banking Strategies®
  • Why Asset protection is the first pillar of the Private Banking Strategies® 
  • Why your bank deposits in a branch bank are not safe (see the Dodd Frank Act)
  • Why FDIC insurance is not all that it is cracked up to be! …don’t be one of those who get side-swiped
  • How to get tax freedom with complete liquidity in your asset-protected vault 
  • And more…

Resources: 

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14. Can Your Business cash flow catapult you personally into financial freedom? Paul Bunyan Part 3



Paul Bunyan put his business cash flow to work – he didn’t work harder or earn more from his business – he just changed how the money flowed.  He only made one simple change to unlock this goldmine: Instead of using traditional financing companies (3rd party lenders), he started his own family bank and financed his business through his own bank.  What ensued was nothing short of astounding.  With only an initial 40K investment he created a retirement goldmine which allowed him a 500K personal distribution per year tax free throughout all his retirement years with no risk of ever running out of money.  And he left over a 5-Million-dollar legacy to his heirs – all tax free

This secret retirement goldmine is not exclusively for the rich and famous.  Paul Bunyan started out with relatively little.  He simply changed who financed his business necessities.  Instead of allowing traditional banks to make all the money off him and his business, he created his own family bank and financed his business through it.  With that simple change, he was able to create the “velocity of money” and became financially free in just a few short years.  

In this episode Vance Lowe and Seth Hicks, Esq. of Private Banking Strategies share: 

  • How quickly Paul’s wealth increased when he began to finance his business through his own family bank
  • How quickly Paul needed to expand the size of his family bank just by getting multiple touches on the same dollar and riding the “velocity of money.” 
  • Why there is no other asset or investment out there that can provide the same guaranteed returns
  • Why you need to get your money working inside your own family bank rather than giving its’ power to traditional banks
  • And more…

Resources: 

Connect With Private Banking Strategies:


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Episode 9 – Waking Up to the Glory of Private Banking Strategies: Susie Q Part 2



Most people don’t think it’s even possible to escape the cycle of debt in their lives.  Not to mention the herd mentality of banking that they don’t even know they’ve been brainwashed to follow. Suzie Q and her father (who was a banker) broke free. In a little more than 5 years, Suzie Q had eaten about $200,000 in debt for breakfast, started three separate banking businesses, had $3,100 in monthly passive income coming in, and was flying on the tailwind of her Private Banking Strategies.

In this episode Vance Lowe and Seth Hicks, Esq. of Private Banking Strategies pick up right where they left off in the previous episode and proceed to explain the pillars of Private Banking Strategies that lifted Suzie Q to financial freedom and independent wealth.

In this episode you will learn:

  • How Suzie Q was red-pilled to learn that she had been conditioned to use branch banking when she could have been using her own Private Banking Strategies
  • How easy it was for her to establish her own Private Banking Strategy and begin to get multiple touches on the same dollars (“velocity of money”) 
  • How she put her idle money to work for her and was able to create passive income tax-free year after year 
  • And more!

Tune in to hear Vance and Seth share some key takeaways of how Suzie Q made a break for financial freedom and independent wealth!

Resources: (817) 200-4777 | Private Banking Strategies | Schedule an exploratory call | Vance Lowe | Seth Hicks | How to Grow Rich E-Book  | How to Grow Rich Audio book | The Banker’s Daughter – Suzie Q Video | The Suzie Q Story Illustrations | Ep 8 – Breaking Free from the Herd Mentality: Susie Q Part 1


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Episode 8 – Breaking Free from the Herd Mentality: Susie Q Part 1



The first thing we must understand is that most people suffer from the “herd mentality” and have been brainwashed to think they have to use branch banks to store their cash. 

When you do things with the herd you remain a slave to the system and generally end up getting slaughtered. What if there was a better way? Well, there is…

Private Banking Strategies uses a 200-year-old “secret” contract to take the banking equation back into your life so that you can make the money that banks have been making off you.  You can implement the principles of “velocity of money” and tax-free growth to get the lift and tailwind which accelerate you into financial freedom faster than you ever imagined.  

In this episode Vance Lowe and Seth Hicks, Esq. of Private Banking Strategies share a client story of how a typical family could not see themselves ever getting out of debt. Suzie Q was in a world of hurt following the herd mentality until she discovered she could do something different.  Private Banking Strategies set up an eight-year plan showing her step by step how to get out of debt and into the win column. Not only did Suzie Q break free but she was able to help the rest of her family break free from the herd mentality as well – and her father was the president of a branch bank!

In this episode, you will learn:

  • How Suzie Q broke free from the ‘herd mentality’ and into financial freedom
  • How you can take back the banking equation in your life and start to reap the rewards of multiple touches on the same dollar
  • How Susie Q didn’t have to work harder or earn more money – all she had to do was put her money to work for herself in her own Private Banking Strategy, capture the velocity of money, and follow the eight-year road map laid out for her.
  • How you can put these same principles to work without working harder or earning more! 
  • And much more…

Tune in to find out how to break free from the ‘herd mentality’ and find your way into financial freedom!

Resources: (817) 200-4777 | | Private Banking Strategies | Schedule an exploratory call | Vance Lowe | Seth Hicks | The Banker’s Daughter – Suzie Q Video | The Suzie Q Story Illustrations


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Episode 7 – Put Your Debt to Work for You without Changing Your Lifestyle to WIN: Part 3



Are you wondering if the Private Banking Strategy can work for you? For Mr. Chiro and his family it did. They came out of complete hopelessness and slavery to their own debt, to a place financial freedom in just 73 months.

In this episode Vance Lowe and Seth Hicks, Esq. of Private Banking Strategies pick up right where they left off in the previous episode and proceed to go into detail about the concepts that played a role in the financial journey for Mr. Chiro and his family. 

In this episode you will learn:

  • How Mr. Chiro and his family broke free of traditional banking and started using the “banker’s mentality” to their advantage
  • Why it’s the volume of interest that really matters – NOT the interest rate!
  • How they started their private bank
  • How little money they actually started with to implement this 200-year-old strategy
  • And more!

Tune in to hear Vance and Seth share some key takeaways and how this family found their way to financial freedom!

Resources: (817) 200-4777 | Private Banking Strategies | Schedule an exploratory call | Vance Lowe | Seth HicksHow we help our Clients, The Chiro Story Video | The Chiro Story Illustrations | How to Grow Rich EBook | How to Grow Rich Audio book | Ep5 – Put Your Debt to Work for You: Part 1 | Ep6 – Put Your Debt to Work, Finding Financial Freedom: Part 2


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Episode 6 – Put Your Debt to Work, Finding Financial Freedom: Part 2



On your journey to Financial Freedom, the first step is to highly value your money.  To do that, you need to put your money to work for you.

The techniques we teach you will help you find your way to financial freedom and out of debt faster than you realize.

In this episode Vance Lowe and Seth Hicks, Esq. of Private Banking Strategies share the next part of a typical American family overburdened with debt.  They show you strategies of how Mr. Chiro put his money to work for his family, became financially free, and independently wealthy faster than he and his wife could have ever imagined.

In this episode you will learn:

  • How Americans are systematically programmed to use centralized banks so that the banks make all the money
  • How banking the traditional way most Americans have been programmed to use will never allow you to break free
  • How Private Banking Strategies creates a tailwind that accelerates you into Financial Freedom and wealth building
  • It is not the interest rate that matters …. it’s the volume of interest which truly matters
  • Why you need the seven pillars Private Banking Strategies at work in your life…
  • And more!

Tune in to hear more as we begin to scratch the surface on asset protection and financial privacy!

Resources: (817) 200-4777 | Private Banking Strategies | Schedule an exploratory call | Vance Lowe | Seth Hicks |  How we help our Clients, The Chiro Story Video | The Chiro Story Illustrations | How to Grow Rich EBook | How to Grow Rich Audio book | Ep5 Put Your Debt to Work for You: Part 1


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Episode 5 – Put Your Debt to Work for You: Part 1



The first thing we must do on our journey to Financial Freedom is highly value our money.  We do that by putting our money to work for us – not by putting it in a bank and letting the bank put it to work for the bank. 

If we value our money, we won’t let the banks make all the money off our deposits; we will create our own lending process where we put our hard-earned dollars to work for us in a special contract we call “Private Banking Strategies.” 

In this episode Vance Lowe and Seth Hicks, Esq. of Private Banking Strategies share a client story of how a typical American family ended up with a mountain of debt.  They were in total despair until they met Vance and he showed them how Private Banking Strategies could set up an eight-year plan to help this family come completely out of debt.  Not only did they get out of debt, but they became financially free and independently wealthy faster than he and his wife could have ever imagined. 

In this episode you will learn:

  • That even a mountain of debt (almost half a million dollars) could not keep them down when they started using Private Banking Strategies
  • How easy it was for them to work this disciplined plan without working any harder or earning any more money than they already earned
  • How all they had to do was stop giving their money away, put it to work for themselves, and follow the eight-year roadmap Vance provided for them to follow
  • That you can put these same principles to work for yourself! And much more…

Tune in to find out how you can take control of your money, so money doesn’t control you!

Resources: (817) 200-4777 | Private Banking Strategies | Schedule an exploratory call | Vance Lowe | Seth Hicks | How we help our Clients, The Chiro Story Video | The Chiro Story Illustrations | How to Grow Rich EBook | How to Grow Rich Audio book