Before The Returns
Before the Returns is the podcast for people who want to build wealth with purpose—not just chase numbers on a spreadsheet. Hosted by Wealth Strategist Jaden Zubal, each episode challenges the “highest return at any cost” mindset and shows you how to align your money with your values, your family, and your legacy.
We cover Family Banking, smart insurance design, real estate strategies, entrepreneurship, and generational wealth planning—practical tools that create security today and freedom tomorrow.
If you’ve ever wondered how to make money the tool instead of the goal, this podcast is your blueprint.
Episodes
15 episodes
E13 — The Tragedy of Earning Money Once: A Modern Story, an Ancient Parable, and the Wealth Principle That Changes Everything
A million-dollar income should mean financial peace… but for many people, it doesn’t. Meanwhile, some families earning a fraction of that quietly retire wealthy.In this episode of Before the Returns, Jaden tells two ...
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Season 1
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Episode 13
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16:30
E12 – The 5 Things You Need Before Starting a Family Banking System
Everyone wants the benefits of Family Banking — tax advantages, compounding, leverage, control — but very few people set it up the right way. And as Jaden explains in this episode, most people fail before they even begin.Why?
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Season 1
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Episode 12
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12:04
E11 - 5 Lessons About Wealth I Want My Kids to Know (That Have Nothing to Do with Money)
It’s Thanksgiving week, and instead of talking about deals, football, or what’s on the dinner table, Jaden is shifting the focus to something deeper: the kind of wealth that has nothing to do with dollars.In this special episode of B...
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Season 1
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Episode 11
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12:56
E10 - You Don't Really Own Anything - And Here's Why That's Not a Bad Thing
Most people spend their entire lives trying to “own” things — their home, their car, their business. But as Jaden explains in this episode, ownership is mostly an illusion… and that’s not a bad thing. It’s actually the doorw...
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Season 1
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Episode 10
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14:55
E9 - 50-Year Mortgages Explained: The Strategy Banks Don’t Want You to Understand
When you hear “50-year mortgage,” most people instantly assume the worst — you’ll never pay it off or the interest must be insane. But in this episode, Jaden breaks down why the real question isn’t whether it’s good or bad...
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Season 1
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Episode 9
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14:18
E8 - Addressing the Critics - What Banks Know About Whole Life Insurance
What if the system everyone told you to trust — including banks and corporations — all quietly relied on Whole Life Insurance behind the scenes?In this episode of Before the Returns, Jaden Zubal addresses the critics head-on and...
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Season 1
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Episode 8
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19:23
E7 - The Truth About How Banks Use Your Money
Most people never realize they’re paying rent on their own money.In this episode of Before the Returns, Jaden Zubal explains how the modern banking system actually works — why banks can lend out nearly ten times wh...
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Season 1
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Episode 7
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14:21
Bonus Episode - I Made A Costly Real Estate Mistake - And What It Taught Me...
In this bonus episode of Before the Returns, I share a raw story about a recent failure — one that cost me thousands of dollars but taught me some powerful lessons about humility, responsibility, and focus.I walk through a real ...
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Season 1
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Episode 7
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7:20
E6 - Busy Money vs. Working Money - How To Tell If Your Cash Is Actually Building Wealth
The treadmill gets more done than your bank account — and here’s why.In this episode of Before the Returns, Jaden Zubal explores the difference between money that moves and money that works. Because just like runni...
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Season 1
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Episode 6
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15:41
E5 - Money That Never Rests — The Velocity of Wealth
Most people think about money in a straight line: earn it, spend it, save what’s left. Wealthy families think differently — they think in circles.In this episode of Before the Returns, Jaden Zubal reveals one o...
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Season 1
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Episode 5
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15:58
E4 - Cash Flow vs Net Worth - The Real Measure of Financial Freedom
We love to track net worth — but here’s the problem: you can’t spend it.In this episode of Before the Returns, Jaden Zubal breaks down why cash flow is the real measure of financial freedom, and how targeting net worth ca...
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Season 1
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Episode 4
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17:57
E3 - Does Renting or Buying Make More Sense in 2025?
Is buying a home always the ultimate financial milestone—or does renting sometimes make more sense?In this episode of Before the Returns, Jaden Zubal breaks down the numbers and the emotions behind one of the most common money d...
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Season 1
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Episode 3
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16:05
E2 - Rockefeller vs. Vanderbilt: Why Structure Outlasts Fortune
Two of America’s wealthiest men died with fortunes worth billions in today’s dollars. Yet within just a few generations, one family’s money was gone—while the other’s wealth still supports over 200 heirs a century later.In this episode o...
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Season 1
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Episode 2
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13:44
Before The Returns: Official Trailer
Money isn’t the goal—it’s the tool. Before the Returns is a short, impactful podcast about building wealth with purpose, creating legacy, and aligning your financial decisions with your values.In this trailer, host Jaden Zuba...
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Season 1
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Episode 1
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0:46
E1 - Why Chasing High Returns Keeps You Broke (Build Roots First)
Most people start their wealth journey asking, “How much can I earn? How fast can I grow my money?” But those questions can trap you in short-sighted decisions that keep you broke instead of building lasting wealth.In this kicko...
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Season 1
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Episode 1
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12:52