Today we’re diving into a strategy a lot of high-income earners and investors have heard of… but almost nobody really understands: Opportunity Zones.

To help decode it, I’m joined by Ashley Tison — attorney, entrepreneur, co-founder of OZPros, and the guy many refer to as “The OZ Sherpa.” Ashley and his team have helped investors defer over $1 billion in taxes while channeling capital into projects that create jobs, housing, and real community impact.

In this episode, we break down:

• What Opportunity Zones actually are in plain English

• How someone with a big capital gain (business sale, real estate, stock, etc.) can potentially defer, reduce, and even eliminate a huge portion of their tax bill

• Why Ashley calls OZs a kind of “Super Roth IRA” for capital gains

• How to tell the difference between a solid, impact-driven OZ deal and a sketchy “tax gimmick”

• Where Opportunity Zones fit alongside Infinite Banking, mortgage notes, private lending, and other income stacking strategies

• The step-by-step moves Ashley recommends in the first 180 days after realizing a large gain

If you’ve ever looked at a big capital gains tax bill and thought, “There has to be a smarter way,” this conversation is going to open your eyes to what’s possible when you combine smart planning, the tax code, and real-world impact.

If you want to connect with Ashley and his team click the link below:

Connect With Ashley

📌 Want to Learn More?

If you'd like more information on how you too can start the journey of Becoming Your Own Banker, or you have questions and you'd like to chat, feel free to visit our website & book a Free Consultation now!

🎥 Watch my whole Infinite Banking Playlist

📺 Watch the full Save & Spend System Overview

📞 Book a Free Cash Consultation Call

📥 Download the FREE Legacy Builder Outline

📊 Download the FREE Budget Template

🌐 Visit Our Website

📚 Grab “Becoming Your Own Banker” by Nelson Nash

🔗 All Social Media & Podcast Links

📧 Email

⁠⁠📺 Watch the full Save & Spend System Overview⁠⁠

In this episode of The Cashflow Chronicles, I sit down with Terry and Matthew from Mid South Home Buyers — one of the most respected turnkey providers in the country — to talk about what it really takes to build cash-flowing rental portfolios in markets like Memphis and Little Rock.You’ll hear how Terry got started, why Mid South exists, and the exact problem they set out to solve for long-distance investors who want great returns without the headaches of managing everything themselves.We get into:🏘️ What Mid South actually does for investors and how their model is built📍 Why Memphis & Little Rock are such attractive long-term buy-and-hold markets (beyond the headline stats)🧊 The wildly unique Memphis dynamic where renters supply their own appliances🧱 How being vertically integrated (renovations, property management, roofing, HVAC) gives investors more control, consistency, and peace of mind💸 Why they intentionally price rents slightly below market – and how that can increase long-term returns through better resident quality and lower turnover🏡 What their “sweet spot” neighborhoods actually look like in real life, and how they decide which properties don’t make the cut⚠️ The real risks of turnkey rentals (vacancies, downturns, residents) and how they proactively work to mitigate them🌍 What out-of-state and international investors need to understand before buying, and the expectations Terry and Matthew reset early🧾 How they approach property management, communication, leasing, maintenance, and reporting so investors feel informed but not overwhelmed📊 A walkthrough of their website tools – including available properties, the cash flow calculator, and the 15-year pro forma🏦 The difference between conventional vs. alternative financing options and how investors are using bothIf you’re serious about building long-term cash flow with rentals — especially from out of state — this conversation will give you a clear picture of what’s possible, what to watch out for, and how a good operator can make all the difference.

Mid South HomeBuyers:

Visit their website now

📌 Want to Learn More?

If you'd like more information on how you too can start the journey of Becoming Your Own Banker, or you have questions and you'd like to chat, feel free to visit our website & book a Free Consultation now!

⁠🎥 Watch my whole Infinite Banking Playlist ⁠

⁠📺 Watch the full Save & Spend System Overview⁠

⁠📞 Book a Free Cash Consultation Call⁠

⁠📥 Download the FREE Legacy Builder Outline⁠

⁠📊 Download the FREE Budget Template⁠

⁠🌐 Visit Our Website⁠

⁠📚 Grab “Becoming Your Own Banker” by Nelson Nash⁠

⁠🔗 All Social Media & Podcast Links⁠

⁠📧 Email

In this episode of The Cashflow Chronicles, I’m joined by orthopedic surgeon Dr. Kyle Stephenson—someone who’s spent years in traditional medicine, earning great money, doing “all the right things”… and still saw the need for a better system to store, grow, and control his cash.

I first heard Dr. Stephenson speak at an Infinite Banking event in Denver and thought, “Here’s another highly educated, high-income professional who’s not only open to this concept… he’s actually using it.” So I had to get him on the show.

We talk about:

• How he first got introduced to Infinite Banking as a busy surgeon

• If there was any skepticism in the beginning when learning about the concept

• The hurdles he’s had to overcome—mentally and practically

• Real ways he’s using his policies in his own life and financial strategy

• What he sees tripping people up when they first hear about IBC

• How he and his family are teaching this to the next generation

• And the one message he wants other professionals to hear about control, cash flow, and long-term planning

If you’re a high-income earner, business owner, or just someone who wants to understand Infinite Banking from the perspective of a real-world professional outside the financial industry, this conversation is going to hit home.

Listen to Dr. Kyle's podcast on all platforms at:

Doctors Investor Club Podcast

📌 Want to Learn More?

If you'd like more information on how you too can start the journey of Becoming Your Own Banker, or you have questions and you'd like to chat, feel free to visit our website & book a Free Consultation now!

🎥 Watch my whole Infinite Banking Playlist→ https://www.youtube.com/playlist?list=PLPFOpSOEjJzR98aL5DB-akN2OCa7hjw_d

📺 Watch the full Save & Spend System Overview→ https://legacylifeprocess.com/save-and-spend-system⁠⁠⁠

📞 Book a Free Cash Consultation Call→ https://calendly.com/shawnksfg/infinite-banking

📥 Download the FREE Legacy Builder Outline→ https://legacylifeprocess.com/legacy-builder-outline

📊 Download the FREE Budget Template→ https://legacylifeprocess.com/budget-template-and-training

🌐 Visit Our Website→ https://legacylifeandretirement.com/

📚 Grab “Becoming Your Own Banker” by Nelson Nash→ https://a.co/d/3YmEAoE

🔗 All Social Media & Podcast Links→ https://linktr.ee/legacylifeandretirement

📧 Email→ [email protected]

What if one of the world’s top financial firms confirmed everything Infinite Banking practitioners have been saying for decades?

In this episode of The Cashflow Chronicles, we break down a groundbreaking independent study from Ernst & Young (EY), one of the Big Four financial consulting firms. Their report — “The Benefits of Integrating Insurance Products into a Retirement Plan” — modeled real-life retirement scenarios across income levels and age groups… and the results are undeniable.

🔍 Here’s what you’ll learn:

✅ Why combining Whole Life Insurance + Deferred Income Annuities (DIAs) outperforms investment-only plans
✅ How adding just 30% to Whole Life and 30% to DIAs increased retirement income by thousands and legacy by hundreds of thousands
✅ Why EY’s study matters — it’s not from an insurance company or a biased source
✅ What this means for your Infinite Banking strategy (and why structure matters)
✅ How to position annuities + cash value to avoid sequence-of-return risk and create tax-efficient lifetime income

Whether you're 25 or 55, this episode walks you through what EY found, why it matters, and how to begin integrating insurance into your overall wealth plan with confidence.

📥 Get the EY Report→ It’s linked right on the homepage of: https://LegacyLifeAndRetirement.com

📺 Watch the Save & Spend System Overview→ https://legacylifeprocess.com/save-and-spend-system⁠⁠⁠

📞 Book a Free Cash Consultation Call→ https://calendly.com/shawnksfg/infinite-banking

📥 Download the FREE Legacy Builder Outline→ https://legacylifeprocess.com/legacy-builder-outline

📊 Download the FREE Budget Template→ https://legacylifeprocess.com/budget-template-and-training

📚 Read Becoming Your Own Banker by Nelson Nash→ https://a.co/d/3YmEAoE

🌐 Explore More Resources→ All Links & Podcast Appearances

📧 Have Questions?Email: [email protected]

This episode is for educational purposes only. It's not financial, legal, or tax advice. Results shared from the EY report may vary based on your personal situation, age, health, product structure, and market conditions. Always consult a licensed professional before implementing any financial strategy.

📺 Watch the Save & Spend System Overview→ ⁠⁠⁠Click to Watch Now⁠

In this episode of The Cashflow Chronicles, I’m joined by Sandra and Mike Fry — a dynamic couple who turned their skepticism into success using the Infinite Banking Concept. From wiping out high-interest credit card debt with policy loans to scaling up into private lending, multiple policies, and even early retirement — their journey is a blueprint for how to live on-purpose financially.

We cover:

💡 How they discovered Infinite Banking (and why they were skeptical at first)🏦 Using policy loans to crush debt while keeping their money working📈 How Mike doubled his income, moved states, and scaled their system🍽️ Saving $11K on eating out? Yep, they got serious about plugging money leaks📚 Why they made family finance talks a regular thing with their kids💸 Sandra and Mikes private lending playbook (50+ loans, always with collateral!)📖 How Sandra's teaching Infinite Banking to kids through her children’s books🧠 Real talk on fear, sabotage, and why people hesitate to act—even after approval

Whether you’re just getting started or looking to scale your family banking system, this episode is packed with insights, real-life examples, and strategy you can actually use.

Get a copy of Sandra's book The Forever Tree

🎓 Want to Learn More About Building Wealth Outside the System?

🎥 Watch the Infinite Banking Playlist→ ⁠⁠Click here for full playlist ⁠⁠

📺 Watch the Save & Spend System Overview→ ⁠⁠Click to Watch Now⁠⁠

📞 Book a Free Cash Consultation Call→ ⁠⁠Book Your Call Here⁠⁠

📥 Download the FREE Legacy Builder Outline→ ⁠⁠https://legacylifeprocess.com/legacy-builder-outline⁠⁠

📊 Download the FREE Budget Template→ ⁠⁠https://legacylifeprocess.com/budget-template-and-training⁠⁠

🌐 Visit Our Website→ ⁠⁠https://legacylifeandretirement.com/⁠⁠

📚 Buy “Becoming Your Own Banker”→ ⁠⁠Link to Buy on Amazon⁠⁠

🔗 All Links in One Spot→ ⁠⁠https://linktr.ee/legacylifeandretirement⁠⁠

📧 Email→ [email protected]

📺 Watch the Save & Spend System Overview→ ⁠⁠⁠⁠Click to Watch Now⁠

Most people think Infinite Banking is about “investing in life insurance.”
It’s not.

Infinite Banking is simply a financial strategy—a way to leverage a properly structured whole life insurance policy so you can control the banking function in your life, just like the wealthy do.

In this episode, I break Infinite Banking down at a 5th grade level—no fluff, no jargon, just real talk about how this works, who it's for, and why it might just be the most important financial concept you ever learn.

🔑 You’ll learn:

• The difference between Infinite Banking and life insurance

• Why Infinite Banking is NOT an investment (and what it actually is)

• How policy loans work (and why they’re tax-free)

• What a Paid-Up Additions (PUA) rider is and why it matters

• Why properly structured policies grow your money guaranteed, every year

• The difference between cash value and death benefit

• How we use our own policies for investing, travel, and even family planning

It’s not about getting sold a policy. It’s about learning how to become the banker.

🎓 Want to Learn More About Building Wealth Outside the System?

🎥 Watch the Infinite Banking Playlist→ ⁠⁠⁠Click here for full playlist ⁠⁠⁠

📺 Watch the Save & Spend System Overview→ ⁠⁠⁠Click to Watch Now⁠⁠⁠

📞 Book a Free Cash Consultation Call→ ⁠⁠⁠Book Your Call Here⁠⁠⁠

📥 Download the FREE Legacy Builder Outline→ ⁠⁠⁠https://legacylifeprocess.com/legacy-builder-outline⁠⁠⁠

📊 Download the FREE Budget Template→ ⁠⁠⁠https://legacylifeprocess.com/budget-template-and-training⁠⁠⁠

🌐 Visit Our Website→ ⁠⁠⁠https://legacylifeandretirement.com/⁠⁠⁠

📚 Buy “Becoming Your Own Banker”→ ⁠⁠⁠Link to Buy on Amazon⁠⁠⁠

🔗 All Links in One Spot→ ⁠⁠⁠https://linktr.ee/legacylifeandretirement⁠⁠⁠

📧 Email→ [email protected]

📺 Watch the Save & Spend System Overview→ ⁠⁠Click to Watch Now⁠

In this episode of the podcast, I sit down with franchise expert Giuseppe Grammatico to unpack how franchising can be an underrated—but highly effective—path to financial freedom and cash flow independence.

We explore:

• Giuseppe’s personal journey from Wall Street advisor to franchise consultant

• The biggest myths about franchising (Hint: it’s not just fast food)

• How to match your personality and goals to the right franchise

• How the Franchise Freedom Process helps eliminate costly mistakes

• • How Infinite Banking can supercharge your franchise investing strategy
  • The low-barrier, service-based franchises producing predictable cash flow

• Why franchising could be your exit plan from the 9-to-5

Whether you're looking to own your first business, stack new income streams, or explore hands-off models where the franchisor runs the day-to-day — this episode gives you real-world strategies, mindset shifts, and a blueprint to start.

🎧 Tune in to learn how to use franchising as a tool to design a lifestyle of freedom, flexibility, and long-term wealth.

🔥 Resources Mentioned:

• Giuseppe’s Free Franchise Freedom Resources: https://ggthefranchiseguide.com/resources

• His Book: Franchise Freedom (free PDF on his website)

• His Podcast: Franchise Freedom Podcast

  
  

🎓 Want to Learn More About Building Wealth Outside the System?

🎥 Watch the Infinite Banking Playlist→ ⁠Click here for full playlist ⁠

📺 Watch the Save & Spend System Overview→ ⁠Click to Watch Now⁠

📞 Book a Free Cash Consultation Call→ ⁠Book Your Call Here⁠

📥 Download the FREE Legacy Builder Outline→ ⁠https://legacylifeprocess.com/legacy-builder-outline⁠

📊 Download the FREE Budget Template→ ⁠https://legacylifeprocess.com/budget-template-and-training⁠

🌐 Visit Our Website→ ⁠https://legacylifeandretirement.com/⁠

📚 Buy “Becoming Your Own Banker”→ ⁠Link to Buy on Amazon⁠

🔗 All Links in One Spot→ ⁠https://linktr.ee/legacylifeandretirement⁠

📧 Email→ [email protected]

In this episode, Pei from Networthy joins me to break down how she and her husband built a six-figure passive-income portfolio in under five years using velocity banking, income stacking, and Infinite Banking.

We explore:

💸 How Velocity Banking works to eliminate debt faster using simple-interest credit lines

🏦 Why leveraging a properly structured Whole Life policy adds liquidity and control

📈 How Income Stacking creates multiple cash-flow streams that build wealth faster

💰 The difference between “good debt” and strategic leverage

🚀 How ordinary families can use these blueprints to achieve financial freedom in 5–7 years

Pei also shares how she co-founded Networthy, a community focused on short-term amortized-note investments, and how they help members learn to leverage other people’s money responsibly for cash-flow growth. Together, we discuss how combining Velocity Banking and Infinite Banking creates a sustainable, tax-advantaged wealth system.

Get the Book: Dibs on Your Moneyhttps://a.co/d/hRCV7zo

20 Year Example video :https://youtu.be/HJDbb480NrM?si=UuSmUVTTmXIY8HhE

Email: [email protected]

Podcast:  FindingFinancialFitnessPodcast 

_____________________________________________________________

🎓 Want to Learn More About Building Wealth Outside the System?

🎥 Watch the Infinite Banking Playlist→ ⁠Click here for full playlist ⁠

📺 Watch the Save & Spend System Overview→ ⁠Click to Watch Now⁠

📞 Book a Free Cash Consultation Call→ ⁠Book Your Call Here⁠

📥 Download the FREE Legacy Builder Outline→ ⁠https://legacylifeprocess.com/legacy-builder-outline⁠

📊 Download the FREE Budget Template→ ⁠https://legacylifeprocess.com/budget-template-and-training⁠

🌐 Visit Our Website→ ⁠https://legacylifeandretirement.com/⁠

📚 Buy “Becoming Your Own Banker”→ ⁠Link to Buy on Amazon⁠

🔗 All Links in One Spot→ ⁠https://linktr.ee/legacylifeandretirement⁠

📧 Email→ [email protected]

📺 Watch the Save & Spend System Overview→ ⁠Click to Watch Now⁠

In today’s episode of The Cashflow Chronicles, Shawn sits down with Zack Geist, founder of Student Loan Tutor, a company that’s helped borrowers save over $1 Billion in unnecessary payments.

Zack’s story is wild — from uncovering the madness of the student loan system to building a company that now serves thousands of clients nationwide, his mission is clear: to liberate people from the weight of student debt and help them reclaim control of their financial futures.

We unpack:

✅ The real reason the student loan system feels impossible to navigate

✅ How servicers often lead borrowers into overpaying

✅ What Student Loan Tutor does differently — from custom strategies to full admin support

✅ The link between debt management and wealth building

✅ Why Zack believes regenerative wealth and freedom start with clarity

Whether you’re drowning in student loan confusion or simply want to optimize your repayment plan, this episode will open your eyes to strategies that most people have no idea exist — and help you get ahead without feeling buried by monthly payments.

Mentioned in This Episode:

▶️ Zack's Company: StudentLoanTutor.com
📞 Special Booking Link for Legacy Life Listeners: Click Here
🎙️ Follow Zack’s work + education on YouTube and social media (search: Student Loan Tutor)

🎓 Want to Learn More About Building Wealth Outside the System?

🎥 Watch the Infinite Banking Playlist→ Click here for full playlist

📺 Watch the Save & Spend System Overview→ Click to Watch Now

📞 Book a Free Cash Consultation Call→ Book Your Call Here

📥 Download the FREE Legacy Builder Outline→ https://legacylifeprocess.com/legacy-builder-outline

📊 Download the FREE Budget Template→ https://legacylifeprocess.com/budget-template-and-training

🌐 Visit Our Website→ https://legacylifeandretirement.com/

📚 Buy “Becoming Your Own Banker”→ Link to Buy on Amazon

🔗 All Links in One Spot→ https://linktr.ee/legacylifeandretirement

📧 Email→ [email protected]

📺 Watch the Save & Spend System Overview→ ⁠https://legacylifeprocess.com/save-and-spend-system⁠⁠⁠⁠

So, your first policy is set up and running… now what?

In this episode of The Cashflow Chronicles, Shawn breaks down the exact signs to look for when it’s time to add another policy and expand your Infinite Banking system. Whether you're thinking about insuring your spouse, kids, or business—or just trying to keep stacking tax-advantaged capital—this episode is your roadmap to doing it the right way.

You'll learn:

✅ The 5 key indicators you're ready for another policy✅ Why adding too much too early can actually slow down your wealth-building✅ How to build separate functions for personal, business, and generational use✅ Common mistakes to avoid (like ignoring MEC limits or mixing personal/business funds)✅ A real-world look into how Shawn expanded his own family banking system

And remember: this isn’t about buying more insurance—it’s about building more leverage, more liquidity, and more long-term control over your financial life.

🎓 Want to Learn More?

If you'd like more information on how you too can start the journey of Becoming Your Own Banker, or you have questions and you'd like to chat, feel free to visit our website & book a Free Consultation now!

🎥 Watch the Full Infinite Banking Playlist→ YouTube Playlist

📺 Watch the Save & Spend System Overview→ https://legacylifeprocess.com/save-and-spend-system⁠⁠⁠

📞 Book a Free Cash Consultation Call→ https://calendly.com/shawnksfg/infinite-banking

📥 Download the FREE Legacy Builder Outline→ https://legacylifeprocess.com/legacy-builder-outline

📊 Download the FREE Budget Template→ https://legacylifeprocess.com/budget-template-and-training

🌐 Visit Our Website→ https://legacylifeandretirement.com/

📚 Buy “Becoming Your Own Banker” by Nelson Nash→ https://a.co/d/3YmEAoE

🔗 All Social Media & Podcast Links→ https://linktr.ee/legacylifeandretirement

📧 Email→ [email protected]