Chuck DeLadurantey: Creating Wealth with the Dominion Mandate DMW#251

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All right, guys. So we got to talk to Chuck today. He's from Family Private Banking. He does whole life insurance. We wanted to talk about what that was, what that looks like, why it's important for Christians to know how to invest, how that's different than putting your money in a savings account.

And I found it very interesting. You know, I'm in real estate, which is kind of an investment kind of opportunity anyway.

But.

Chuck was just a wealth of knowledge. He's been all over the place. He's got one heck of a bio. And I think you say his last name. It's Chuck De La Durante. And I want to make sure I'm saying that right.

If not, Chuck, if you're listening to this, you can go ahead and correct me. But I mean, was in the finance sector for a while. Worked with the Navy, I believe he said, for a while at 66. Said, what am I going to do for generational wealth?

He's a post mill guy. He's a dominion mandate guy. And it was just fun to talk both finance and theology with him. We got into all kinds of cool stuff on that. He explained whole life a little bit more to me, which I didn't know quite about as much.

I know a little bit more about real estate than I do about that. But just very interesting. And runs a great company. And we want to talk about the importance of finance for Christians, what we should be doing with our money.

You know, the servant that buried his money and gave back exactly what the master gave him was admonished. Yet the one that went out and made money work for him, doubled, quadrupled, tripled, whatever his money.

That was the servant that was called well done and good job. So we want to do the same. Any cash flow we have coming in, we want to make sure we're stewarding it well, but also wisely and discerning how we can make that money work for us.

And this was a great conversation on that. So guys, we're going to jump right into it. I won't belabor the point any more. Next thing you hear is a conversation with me and Chuck. Here we go. Oh, yeah.

So Chuck, welcome to Dead Men Walking podcast, brother. Good to see you again.

Hey, good to see you too, brother.

Now, I know we met in person down in Fort Worth, Texas at Fight Left Feast Prodigal America. We didn't get a chance to connect there, but definitely wanted to have you back on the podcast to kind of talk about what it is you do along with some of the important things that you're doing within the Christian community as well.

But before we get into that, can you just give a little bio, give us the origin story of Chuck and let us know where you're from and what you're all about.

Ah, perfect. Well, glad to be with you. Yeah. So I was born and raised in Ohio. So in Youngstown, Ohio of all places. Not too far from there. Yeah, I went to college in Michigan, met my wife in another great Rust Belt state, Michigan in the city of Flint, believe it or not.

So I started out in the automotive business as an engineer, had an engineer background and training and worked in that for 20 plus years. And I had a rare opportunity about 20 years into that career to switch careers and get into healthcare.

And I did what they called a Lean Six Sigma Master Black Belt, which sounds pretty, pretty heavy duty, but basically it's how to make process and performance improvement for companies. And I worked originally in large healthcare firms.

And then I've also done work in smaller companies, 10 million and under in revenue, but I've also worked in billion dollar companies as a high paid consultant director for improvement services, if you will, for a couple of tours of duty, if you will.

And also worked in the military medical commands for both the army and the Navy. So that spans that part of my career. And about five years ago, I was taking a look at my life and saying, okay, what do I do next?

I'm approaching what would be traditionally called retirement age. I'm now 71. But at that time I was 66. And I said, well, you know, do I really think I can continue to do this commute and do this gig that I'm doing for the Navy medical command?

And I, and I was thinking back about 25 years ago when I was consulting and making quite a bit of money. And I had two gentlemen working with me on the road in consulting, you know, there's really no overhead.

You have a briefcase and an airline ticket. And I said to myself, well, wait a minute, that guy told me about this idea of putting together a capitalized account and then using it for the rest of your life and build legacy wealth as well.

So that really struck a chord with me. And I began to do my research again, and I revisited the concepts and that's how I found private family banking. So full circle on the career side, that's what happened to me.

And we'll go into the details of what private family banking finance yourself means a little bit further into the interview. In the meantime, on the personal side, we, we were single income. And so other than the first few years of our marriage, we started having children and we decided to homeschool our kids.

We homeschooled 11 children. We have now 25 grandchildren. 24th was just born a month ago, and then the 25th in May of 2025. So we'll have 25 and 25. So pretty, pretty awesome. It was an adventure homeschooling.

We totally advocated. We definitely think we're not public school advocates by any sense of the word. And we did a lot of things with our family are very entrepreneurial. So I always had this entrepreneurial mindset.

So now that's what I do. I'm self-employed. I love what I do. I love people. I love helping people. We help people of all ages from 18 to 75, if you will, and even 80 year old, depending on where they're at, we can all go all the way up to age 85, but our core business is between 18 year olds and about 65 year olds.

So, but if we get North of 60, we usually take a look at some alternative products, but the private family banking concept is core. And so I got into this. And I thought about legacy wealth over the years, but like many of your guests and your listeners, rather you they, you know, we're all struggling as a single income provider and we're struggling with how do I find that money?

How can I multiply my money? And we either can get tempted into doing risky things, or we can just sit back and think, well, it's just going to wash over me. There's nothing I can do about it. So I'm here to help all of those conditions and problems and.

Encourage people. No, that's a really good kind of juxtaposition you put up there because most people I run into that are business owners, that's how they feel. They feel like, well, I can either do something that I don't know a whole lot about, and it feels pretty risky with the little capital that I do have to keep this business going, or I just kind of do nothing and just make sure, you know, not losing money is better than risking it and losing money.

Before we get into that though, what years were you homeschooling? Because it sounds like you were homeschooling before.

Homeschooling was cool. Absolutely. We were homeschooling when it was illegal in Michigan. My wife likes to tell those stories about how we would pull the blinds and shutters and we wouldn't go out shopping before three or four o 'clock in the afternoon and so on and so forth.

So we started, let's see, my oldest daughter's 43. So whatever that is, we probably started in the late 80s. She was born in 81. So yeah, we would have started in 86, probably 85.

Yeah. So I was homeschooled as well too. I'm same year born and same thing. It was late 80s, mid to late 80s, had social services coming to the door, making sure we weren't really going out before three o 'clock because questions would be asked, why aren't you kids in school?

And it was really a weird time in Michigan too. A little scary because there was a federal threat of prosecution as well too, which people don't realize. So the pioneers in homeschooling, my parents, you, I mean, really, really were the trailblazers for what now is a very growing.

Segment of the population. Absolutely. Yeah. When you're a trailblazer, if you knew what you didn't know, you probably wouldn't do it. That's a great statement and you can quote me on that. What I mean, if you were really aware of the risk, I mean, you'd probably say, I can't do this, but we were determined, we were convicted of course.

I think that's, as overcomers, as Christians, we should approach life. And I'm a big post-mill guy. I don't know if that's in your bailiwick or not, but I'm a post-mill thinker and doer. In fact, that's my tagline, talking to post-mill action.

And I think that we ought to be out. I mean, we were doing political stuff when the kids were in their teens, the oldest ones, we were doing side businesses. We had a janitorial company and I would take 10 kids, that's before our 11th was born, and we would swoop this office, man.

We would go in and get the entire office done in one hour. And their reward was, besides a few bucks for spending money, because I could charge for the whole family to do that because we were so efficient.

I would take them out at Meyers Thrifty Acres, if you remember that in Michigan. I would take them out to the local Meyers store for a 50 cent ice cream cone. Now, those days are long gone, I'm sure. But we used to go out and take 10 kids out for ice cream after doing that.

And they looked so much forward to it. And it built camaraderie, teamwork, they learned skills, they learned how to be careful in someone else's space. And they learned a little bit about the common sense of dollars and how you earn it, that everything isn't given to you.

We never had any, wanted our kids to think that they were entitled to something, the whole entitlement mentality we see in our culture today. In fact, yeah, anyway, I'm just reminded of so many things that are going on and it's a great time to be a Christian.

And it's always a great time to be a Christian. But as we all know, we have some great hope here that we need to get at it. And now, and so part of that is getting your money in. You mentioned safety and not losing money and that we're all about that with us.

And definitely jump to that now. But just to say enough, forget the comment that with our system, you never lose money. If you do it the way we teach you to do it, and you always actually increase money tax-free.

Taxation isn't, isn't it interesting that the government who created the income tax problem also created all the qualified plans like 401ks, IRAs, Roth. And those are all imaginations and machinations of the machinery of government who created the tax problem to begin with.

Then they have to show us a way to avoid the tax problem. Well, how about we just don't have the tax problem? Wouldn't that be cool for a guy raising, you know, eight, 10, 11.

Kids, right? Or more. Yeah, no, you're absolutely right. Just to piggyback on what you're saying a moment ago, you know, I think every child could benefit from growing up in an entrepreneurial family.

My father owned a computer wholesale business. And when I was 12 years old, I mean, we were in, you know, trade shows that had 60 ,000 people in it, 250, 350 vendors. He'd hand me a box of sound cards.

Don't come back until they're sold. Here's your bottom line. This is the profit margin we need. You figure out how to get rid of them. And people always ask me, you know, you're in elected office, you're in podcast, you speak in front of people.

Doesn't that bother you? And he said, look, when you're 12 years old, walking up to strangers and you're trying to make a, you know, a thousand dollar deal, you learn real quick how to think, think on your feet, how to respond to adversity, how to close sales, how to come back with rebuttals, how to build value.

All those things I learned by being at trade shows and being part of a family business at a very young age. So to agree with you, yeah, I think you did your children a great service to include them in those things.

But with that being said, what goes hand in hand with that is also generational wealth is also managing our wealth properly. It's biblical. Proverbs says, a wise man not only leaves a wealth to his children, but also to his children's children's, right?

So we know God is a generational God, both in his covenants and blessings, as well as wealth. And he wants us to use wealth and have wealth. Now we don't idolize it. We don't want to love money, but we know that it is a common grace.

It is a blessed tool for the Lord when we do have wealth. So let's get on private family banking here and tell me a little bit about what it is exactly that you do and that how you can help believers with their wealth.

Or create wealth. Yeah. Yeah. I want to echo what you just said in the parable of the talents, and scripture tells us that we're to multiply our money. We're to be creative and innovative. We're not to sit back and put it under our mattress and just return the money back that we got.

So we do have a charge there, but we have a moral obligation to not love the love of money is the root of all kinds of evil scripture says. So there's nothing wrong with making a fair profit. There's a, you know, we have to labor.

He who doesn't provide for his family is worth than and that provision isn't just gutting it out and earning a W2 wage job, but it's doing something with that money, even if you're in a W2. And I spent years off and on.

I mean, I spent the first 20 years of my career as a W2 employee. Then I had different assignments in the last 20 years where I was an executive or I worked on a 1099. And I always liked the 1099 because I got to keep all that money every month and pay the taxes at the end of the year, you know?

And so there's one quick move people can do. They can take a look at their W4, which is your withholding tax, if you're an employee and see if you can increase the deductions. I know I claimed high deductions, not that I have a lot of children, but I try to pay minimal tax because I didn't want the government to hold my money all year and get a big check at the end of the year, basically make a loan to the government.

I think that's a poor, you know, that's a number one for money management where you can capture that money. Now, if you spend it every month, then okay, now you have another problem. So how do you find money?

You know, this is a little bit different than your typical Dave Ramsey sort of beans and rice. This is taking the money you already have. This is what private family banking is in a nutshell. It's adding one step to the money flow that you already have in your life.

That means instead of flowing the money into a checking account and leaving it there and paying bills, you flow it into your own private bank as much as you can. And if we start people out with a reasonable amount, eventually the people who really get this flow much more, maybe sometimes even their paycheck, but that may not be for everybody, but you build up your capital because imagine if I could show you how to accumulate money, even if you turn around and have to rinse and repeat it back to yourself.

And I'll talk about how that happens. But if you built a stack of money that continued to grow for the rest of your life, let's say you're 35 years old, but you may have another 50 years of money flowing through your life or more.

If I told you, we could show you how to make money on the bulk of that money you're already going to have through coming through your life. Would you be interested? Most people are. It's just a matter of retraining your thinking.

And it does change. It does cause a change and require a change in your understanding of the value of not only cash flow, because cash flow is king. Cash isn't king. Cash flow is king. If you want to reach retirement, I work with a lot of pre-retirees and retirees as well.

And what they didn't figure out is they thought that 401k and a big lump sum of money, a nest egg was going to last them. But most people can't live on a nesting of even $2 million today. $2 million with a 4 withdrawal rate, which used to be the rule which doesn't exist anymore.

You'd be draining that account by $40 ,000 a year, but try living on $40 ,000 a year. Of course, you can add Social Security to that. But what happens is people realize the cost of living later in life is going up as it did these last couple of years, even worse.

We're hoping to turn that around soon. We all like to see some price reductions. But unless you start early and then if you want to pass along legacy wealth, our system will pass along the legacy wealth tax-free.

It'll grow tax-free by establishing. We use a high cash value, dividend paying, whole life insurance. And that may sound weird to people. I know Dave Ramsey is totally against whole life insurance, but he doesn't really understand this.

We've tried to talk with Dave, but Dave's done people a lot of good by getting people who have no control of their money and forcing them to save. So I think that's a good thing. We'd like you to force yourself to save though into a different investment on a different financial product.

It's not an investment, it's a saving plan. And then you use our system to make investments. You borrow money, you collateralize loans against your own money to do things like buy cars, buy big ticket items, do kitchen remodels, buy real estate.

We have people doing Amazon businesses. We have people who are investors. And when you join us, you join a community of people that are doing this and learning together. So private family banking is capturing your cashflow, building a capital account that always earns a fixed rate of interest, guaranteed rate of interest and a dividend.

And the dividends have been declared for people we work with for over a hundred years. So you're not contractually guaranteed to get the dividend, but the dividends like the bonus and all compounds, you never lose money.

You're protected against lawsuits and you pass along legacy wealth tax-free. What's there not to like? It's a tremendous turn in the road. I didn't start until I was 66. I accumulated a massive amount of money because I changed my thinking and I did some money moves and I got out of the stock market, although I think the market's probably going to turn around.

I wouldn't have all my money in the stock market, especially if you're raising a family. It's just kind of like gambling. And if you want to buy Bitcoin and gold and silver, you can do that. You can do it through your privatized banking account.

So that kind of backing up the conversation and I'll turn it back over to you. Imagine banks, my image is fading in and out, I'm sorry. The banks get your money. Do you realize when you make a bank deposit, you have a demand receipt and the banks have title to your money.

When you make a checking upon deposit, you're signing over, you're actually making a loan to the bank. That's why they have a contractual right to loan that money out. It's fractional insured banking.

Well, we think that's like highway robbery. So we want to help people capture the use of their money and not give it to the banks. At least not hold it in there very.

Long. Use it as a transfer. Okay. So explain for us that don't know that are listening whole life insurance, because I know a lot of people might hear the I word and maybe bristle when you hear, because in other industries, sometimes insurance can give you, I don't know, gives you an icky feeling if you've ever dealt with insurance adjuster or something like that.

That's not this. So explain whole life to me a little bit. Yeah. So basically there are two.

Types of insurance. There's term insurance. You've heard the phrase by term and invest the rest. The problem is most people don't invest the rest, even if they bought term. But term insurance is only for a set period of time.

Term. The term is either 10, 20, 15, 30 years is about the max you can get on a term policy. So if you don't die and only 1 .8 people ever collect death benefit on a term insurance policy, that's an interesting statistic because they don't die.

And so I'm kind of a studier of statistics. So that kind of thing kind of catches my attention. So there's term life and then there's permanent insurance, permanent insurance. One type of it is this whole life insurance or other types of permanent insurance.

But what we use for this design is a specially designed whole life. Whole life means you have it. No matter how long you live, you have a death benefit. You have life insurance. And while you live, you have living benefits.

You have the contractual rights to borrow against the cash that you gain in this policy as you pay premiums. You can front load a ton of money and depending on your income and net worth, some people more than others.

If you're fairly healthy, you can get a really good rate as you can with other companies. And then it's used as a warehouse of wealth. So really wealthy people were doing this like big time back in the 80s and the IRS figured out.

And they were missing a lot of tax money. So they put a cap on it and they have what they call the modified endowment contract provisions in the IRS code. But we engineer the policy. So you never incur what's called a MEC, modified endowment contract condition, where you'd have to pay tax on the gains.

So that's the real key. This is a whole life, meaning you have it for your whole life. It has a net present value of the death benefit, which is called cash value. That means they're rolling forward some of your death.

If you have a $2 million death benefit, you'd have X number of dollars today out of that to use ahead of your death. If you have a terminal illness or you have to go to a nursing home or you have a chronic illness, we also have rolled in provisions for that where you can pull ahead the death benefit.

In the meantime, you get this stack of money. You have the right to borrow against it up to 94 of that called cash value. And the interest rate that you borrow on those loans is maxed out at 8%. They've been between 5 and 7 lately.

And so you have a guaranteed source of equity and to be able to liquefy that equity in your whole life insurance policy for the rest of your life until you die. And when you die, if you have an open loan, you just let the death benefit pay off.

So a lot of older people might have $100 ,000, $200 ,000, $300 ,000 worth of open loans that they use to travel, they use to improve the house, they use to buy a second home or will to their grandkids or whatever.

And they just let the death benefit pay it off. So for younger people, it's all about the life, the cost of living, right? The things that you're going to do anyway. We're not telling people this is a get rich quick scheme or a way to do something you weren't going to do already.

It's just a better way to do life with your money.

So if you're saving money, let's say X amount, a certain percentage, a low percentage, and you're going, I'm just putting that in a savings account in a bank, let's say 20%, 10%. I don't even think most people can do that or do do that.

But let's say you're doing that. Let's say you're taking 20%, putting it in a savings account that's yielding you literally nothing and hasn't for quite some time. Maybe it jumped up a point or two in the last two years, but it's still a highway robbery, how the banks, like you say, take your money, use fractional reserve banking, which is unbiblical and horrible anyway.

But the whole system is rigged against us just for even a savings account. Would you say you could take that money and do something different with it with private family banking through whole life? Is that what you're saying?

You could shift that.

And it would be better? Absolutely. So you're going to get, I'm going to be careful here because the numbers move all over, but essentially it's going to be a market value of anywhere from 6 to 9 depending on how things work out.

So you're going to get at least 5 or 6 on your money and it's going to compound and it's going to grow and grow and grow and you have use of the same money. So think about it. If I put $50 ,000 into one of these systems that we create, I get another $50 ,000 from the insurance company.

I have $100 ,000 of work. When you do a policy loan against your cash value, you're not taking the money out. You're doing what would be called a collateralized loan like you would a home equity loan.

Everybody understands HELOC. So when you take a HELOC or a home equity loan on your home, you don't have to sell the house, right? You still have the value in the house, but you get 50 grand in a HELOC against the value of your house.

Well, all this is instead of a house, it's a cash asset, it's a different asset class, and you're getting that money. Instead of a home equity, you have a cash equity. You get 94 of it on a click of a mouse.

You approve the loan and you get the money in five days when it's all set up. You put it in your checking account and do whatever you want with it. You determine the payback schedule. So we help amortize it for you.

We have a little calculator to help you. But essentially, if the policy is structured right and you're paying a monthly... So we also want you to be on a monthly savings program. So there's a premium that you'll pay monthly, and that can range from high to low, depending on where you're at financially.

And that adds money also every month to your cash stockpile. And that keeps the life insurance growing as well. So as the life insurance death benefit grows, so does the stockpile of cash. But when you collateralize that loan, you're the banker.

You determine if you want to pay it back in five years, 10 years, 20 years, or not at all. And some people, like if you're in your, let's say, 40s, you could actually borrow money once you've capitalized your policy pretty steadily and not pay the loans back for 10 years.

You can take a payment holiday. Even for younger people, that can be done. Depends on how much money they front. A lot of younger people don't have a lot of money. So you don't have to have a lot of money to get started.

What I want to make clear is you can start by paying $200, $300 a month in a premium. About half of that for younger people is going to go to cash value. Or you can front load $10 ,000, $20 ,000. I have people putting $150 ,000, $200 ,000 into these things.

I have people putting $100 ,000 a year in. So that sounds extravagant probably to most of your colleagues and your listeners and mine. But it's sizable. And it's sizable at the beginner level, if you will.

But if you don't get started, what you're doing is giving the utility and the use of your money to other people. You know that 34 .5 of people's income today is spent on interest paid to others. Think about that.

And we help you capture about half of that. So if you could reduce your out-of-pocket interest costs by 50 just by changing money flow and being healthy enough to be insured. And by the way, if you're not healthy enough, you can insure others.

You can insure your wife, your children, your grandchildren, your business partners. So I just want to give you an idea. People who do what I do. Now, I have three pretty good sized policies. I capitalize quite a bit of money every year into those.

But the people who are way bigger and for longer into this than me, and I'm kind of a latecomer, they'll have 30 or 40 policies in place. They're paying in millions of dollars a year to borrow it back and use it over and over and grow and grow.

So that's the big idea. Now, you don't have to have a million dollars to get started, but you have to get started. Even if you have, you know, $1 ,000 and you can pay $200 a month, you have credit card debt.

We show you how to do a debt snowball using the policy. It's counterintuitive. You say, well, I'm going to do Dave Ramsey. I'm going to pay the highest one off first. Well, we do that, but we do a little bit differently.

So let me give you an example first. Here's the problem that people don't get. They want to buy a new car. So they save up to get a new car. They have $30 ,000. They walk in the dealership with a cash dealer.

When they drive off the lot, what do they have? They have a car and where's their money? Their money's in the dealer's hands, right? With our system, you save up the money. You have $30 ,000 in your account.

You get another 30 ,000, go to the dealer as a cash buyer, drive off the lot. You still have your $30 ,000 in your account. You have to pay it back with this loan system that we have, but you are using twice the money in place.

We don't allow you to get out over your skis where you're going to tumble and make a mistake because there's some provisions in the lending regime, but you have that kind of utility. So when you pay cash and everybody says, I'm a cash buyer, but you're burning through your capital, what we want to do is see you save 30, 40, 50, 100, $200 ,000, $300 ,000 of cash in your private family bank over time.

And you'll be able to use that money rinse and repeat as you pay it back and get to use it all over again. And you're multiplying the money that God is already flowing through your life in a safe way.

And you're getting a death benefit with, you know, if you die, if you're a younger man and you put enough in there, you're going to have multimillion dollar death benefit. Most guys are not going to pass on two to three or four or $5 million to their kids.

They're just not, you know, I'm not, but, but I started late, but some of you can, and you're not going to do that tax-free by trying, unless you, you know, build a business, which would be great to bring the kids into the business and then sign the business.

But we work on that too. We have ways we work with businesses. You can loan money to your business. You can do a, a buy sell plan. You can, you can do a pension plan with us. We have all kinds of.