The Tenpenny Files with Joseph Lombardi

Most Americans believe they are building wealth through retirement accounts. Joseph Lombardi says many of those systems were designed to keep people financially dependent while Wall Street and government agencies profit from decades of fees, taxation, and control. In this conversation with Dr. Sherri Tenpenny, Lombardi explains why families who spend their lives contributing to 401(k)s and traditional retirement plans often discover too late that much of what they built was never fully theirs to keep.

Joseph Lombardi brings more than twenty years of financial experience into a discussion that moves far beyond ordinary investing advice. His books, There’s a Better Way Than a 401k, Being Your Own Bank, and Long-Term Care Without Long-Term Pains, expose financial structures most Americans never hear about. He explains how wealthy individuals legally use IRS Code 7702 strategies tied to life insurance, tax protection, long-term care planning, and private banking systems to protect assets from market crashes, lawsuits, excessive taxation, and economic instability.

This episode digs into the growing fear surrounding inflation, national debt, banking instability, CBDCs, government overreach, and long-term financial security. Lombardi explains why he believes most people were never taught how money actually works. He discusses the psychological relationship people have with debt, the cultural conditioning behind consumerism, and the financial consequences of living without preparation.

Dr. Tenpenny presses Lombardi on questions many families are quietly asking right now. What happens if the markets fail again? What happens if inflation keeps rising? What happens to your spouse, your children, or your business if disability, illness, or long-term care suddenly enters your life? Lombardi shares the personal story that shaped his career after his father lost a multimillion-dollar construction company following a devastating accident that left the family financially exposed.

The conversation also explores gold and silver, digital currency fears, hidden taxation, privacy protections tied to financial structures, and why Lombardi believes long-term care planning has become one of the greatest blind spots facing older Americans. He explains how some financial strategies used by wealthy families were intentionally kept outside mainstream education while average Americans were pushed toward systems that benefit institutions first.

This interview opens the door to a financial framework most people have never heard explained this directly. Lombardi’s books contain additional details and deeper strategy discussions that could not fully fit inside a single interview.

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Meet our Guest:

Joseph Lombardi is a financial professional with more than 20 years of experience helping families and business owners protect and structure wealth. His career was shaped after his father lost a multimillion-dollar construction company following a disabling accident that exposed the devastating consequences of poor financial protection.

Lombardi specializes in long-term care planning, income protection strategies, life insurance structures, retirement planning, and asset preservation. He is the author of Being Your Own Bank, There’s a Better Way Than a 401k, and Long-Term Care Without Long-Term Pains. His work focuses on helping clients understand financial systems that are rarely taught through traditional education.

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