What would make someone leave an 11-year career as a financial planner, walk away from spreadsheets and suits, and trade it all for a pair of work boots?
That’s exactly what our guest, T.D. Ford from The Texas Boys did. In this conversation, he proves that stepping out on faith can lead to more abundance, peace, and purpose than most people ever find chasing money.
We discovered today’s guest, T.D. from The Texas Boys, through our YouTube community (Real Talk Fridays Series). One thoughtful comment led to a conversation, then to a collaboration.
Check out their channel and The Fearless Podcast for more on faith, family, and financial independence.
- Watch The Texas Boys on YouTube → Click Here!
- Listen to The Fearless Podcast → Click Here!
The Wake-Up Call: Seeing the System for What It Is
T.D. started, like many of us, believing in the system. He worked hard, earned the licenses, climbed the financial planning ladder, and spent his days buried in Monte Carlo simulations and Morningstar data. But then, he started seeing behind the curtain.
He noticed “five-star” mutual funds quietly buying up their own “one-star” failures and burying them inside portfolios. He realized the game was rigged, that the stock market wasn’t about building wealth, but about redistributing it upward.
| “The stock market is just a wealth redistribution mechanism and the intention is not to transfer any of that wealth to you.”
That realization hit hard, and when he saw how impossible it was to trade fairly without institutional access, he knew the deck was stacked against him. So, he walked away.
Losing It All and Finding What Matters
After leaving finance, T.D. pivoted to a completely different field: construction.
He went from earning $450,000 a year to just $31,000 in his first year. But strangely, he and his family had never been happier.
| “We were incredibly content. We were incredibly happy.”
They had fewer things, but more peace. Fewer zeros on the paycheck, but more meaning in their days.
Faith Over Fear: A Leap to Texas
Years later, T.D. and his family packed everything up and moved from the Northeast to Texas.
– They didn’t know anyone.
– They didn’t have a job lined up.
– They just had faith, three kids, and a vision for a simpler life.
They started small, a farmhouse, a few animals, and a dream. Over time, they built a homestead, grew fruit trees, and developed what T.D. calls a living legacy.
| “We don’t just want to leave a legacy, we want to live our legacy.”
That shift from chasing wealth to creating value changed everything.
Discovering Infinite Banking: The Missing Piece
Years later, a subscriber sent T.D. a book: Becoming Your Own Banker by Nelson Nash. It hit him like lightning.
Here was a system that fit his beliefs about freedom, responsibility, and family legacy. He didn’t need Wall Street or government programs to build wealth. He needed control of his own capital.
He started his first Infinite Banking policy, then a second. His sons began theirs. Before long, he was using his family’s system to fund his son’s home construction through their own private family bank.
| “Instead of hoarding and handing off wealth after we’re gone, why not live our legacy now while we can enjoy it together?”
That’s what Infinite Banking gave them, not just financial freedom, but the ability to participate in their family’s growth today.
Action Cures Fear
T.D. is clear about one thing: the most challenging part isn’t the math or the mechanics. It’s the fear.
| “Action cures fear. Take action, do it now, and the fear will disappear.”
It’s the fear of doing something different. Of leaving the system you were told to trust. Taking full responsibility for your family’s financial future.
But as T.D. says, the time will pass anyway. The question is whether you’ll spend it worrying or building.
Why This Matters
When you hear T.D. talk, you realize this isn’t about money, it’s about mindset. It’s about shifting from being dependent on systems designed to keep you small to creating your own ecosystem of control, stewardship, and abundance.
|“If you know the problem, you’ll know the solution. Infinite Banking is the foundation of a parallel economy.”
He’s right—his story is living proof that it doesn’t take millions to start, just courage, faith, and the willingness to think differently.
A Family That Banks Together
Today, the Treleaven family lives out the very principles Nelson Nash wrote about. They own multiple Infinite Banking policies, loan to each other through their family system, and continue to build, not just wealth, but wisdom.
Even T.D.’s ten-year-old son is reading Becoming Your Own Banker.
| “He sat next to me, started reading, and said, ‘Dad, when are you becoming your own banker?’”
That’s what legacy looks like.
Final Thoughts: Be the Change
You can’t vote away broken systems. You can’t legislate your way to prosperity. But you can take control, right now, by learning the principles of Infinite Banking and putting them into action.
- Start small.
- Start today.
- Plant your tree.
Because, like Nelson Nash said, “The best time to start was 20 years ago. The second-best time is today.”
Resources Mentioned
- Don’t Spread the Wealth – Keep your family’s capital where it belongs.
- Keep Taxes Away from Your Wealth – Learn five ways to reduce taxes now and later.
- Growing Your Own Capital – See how Infinite Banking empowers entrepreneurs and farmers.
Listen & Subscribe
Catch this full episode with T.D. on the Wealth on Main Street Podcast, hosted by Jayson Lowe and Richard Canfield.
Watch on YouTube or listen wherever you get your podcasts.
Rumble: https://rumble.com/user/WealthWithoutBayStreet
Spotify: https://open.spotify.com/show/4S2HquahjPIyKytLq5FhZC
Apple Podcast: https://podcasts.apple.com/ca/podcast/wealth-on-main-street/id1497848339