In today’s episode of The Cashflow Chronicles, we’re diving deep into one of the most overlooked (yet critical) parts of designing an Infinite Banking policy: the base premium.

You’ve probably seen the hype around “high PUA” designs like 10/90 or 25/75. And sure, they look great early on. But what happens in year 10? Year 20? Or when the insurance company cuts off your ability to overfund?

This episode is called “The Case for Base” because we’re breaking down why a stronger base premium creates longer-lasting power, better long-term compounding, and more flexibility in the years you need it most.

You'll learn:

• Why chasing early liquidity can cap your long-term wealth

• What happens when your base is too small and PUAs get cut off

• Real-life side-by-side numbers comparing a 25/75 vs 40/60 structure

• Easy metaphors to help you see why a strong foundation wins

• Why Nelson Nash always taught to “Think Long Term” — and how that applies to your own financial legacy

🛠️ Ready to Take Action?

This episode is jam-packed with insights for anyone serious about using Infinite Banking not just for a quick win, but to build wealth for decades and generations.

Here are 3 easy ways to take the next step:

1. 🎥 Watch our full Save & Spend Presentation — The exact system we teach clients➤ https://youtu.be/IZ6MiMNZ5aM?si=tKU8LbYX_kVbHKo7

2. 📅 Book Your Free Consultation Call➤ https://calendly.com/shawnksfg/infinite-banking

3. 📥 Download the FREE Legacy Builder Outline — Start crafting your generational wealth plan today➤ https://shawnking-sfg.systeme.io

Subscribe, share, and leave a review if you learned something during todays episode.

📩 Questions? Reach out anytime:
Website: https://legacylifeandretirement.com
Social Links + Podcast Hub: https://linktr.ee/legacylifeandretirement

You’ve probably seen the headlines. You’ve heard the talking heads.“Whole life insurance is a scam!” “Infinite Banking doesn’t work!”

But here’s the truth: most people calling Infinite Banking a scam haven’t taken five minutes to actually learn how it works. In this episode of The Cashflow Chronicles, I’m setting the record straight.

We break down:

• Why Infinite Banking gets so much hate

• The difference between the product (whole life) and the concept (IBC)

• How banks and Fortune 500 companies quietly use this exact strategy

• Real numbers, real history, and real talk from someone who actually practices what he preaches

I’ll walk you through common criticisms, explain where the confusion starts, and even share my personal story of using Infinite Banking to wipe out $60,000 in debt — while still keeping my dollars growing.

So before you write it off, get the facts. Then decide.

👇 RESOURCES & NEXT STEPS 👇
📺 Watch the full Save & Spend Overview:
https://www.youtube.com/@LegacyLifeAndRetirement

📅 Book a free consultation with me:
https://calendly.com/legacylifeandretirement/30min

📲 Connect with me on social:Instagram: @LegacyLifeAndRetirementYouTube: Legacy Life & RetirementTikTok: @LegacyLifeAndRetirement

💬 Drop a comment if you’ve ever been told Infinite Banking is a scam🎧 Subscribe for more real talk on cash flow, control, and building a legacy
As always — the information is free, but the knowledge is priceless

You work hard for your money… but what if I told you that you're silently losing thousands of dollars every year, without even realizing it?

In this episode, I break down the 5 biggest silent wealth killers:
💸 Taxes
📉 Fees
💳 Interest
📈 Inflation
⏳ Opportunity Cost

Most people don't realize how much money these 5 categories actually coast them. Today we'll discuss how they drain your wealth year after year, leaving you wondering why you're stuck financially even when you’re doing “all the right things.” I’ll walk you through real examples — from tax math to compounding interest loss — so you can see just how much these are costing you.

Then I’ll show you how to start plugging these leaks using smart strategies like Infinite Banking and proactive financial planning — so you can keep more of your money working for YOU, not the government, not the banks, and not Wall Street.

✅ Book your FREE Cash Consultation here:
https://calendly.com/shawnksfg/infinite-banking

📘 Recommended Reading:
Tax-Free Wealth by Tom Wheelwright (Robert Kiyosaki’s tax advisor)

HELOC Video Link:

https://youtu.be/2Ad4OyvYIhw?si=FPbg3D7EV7pWEveD

👇 Drop a comment: Which of these 5 is costing YOU the most right now?

—

#WealthBuilding #InfiniteBanking #Taxes #Investing #PersonalFinance #PassiveIncome #LegacyLife

In this foundational episode of The Cashflow Chronicles, Shawn King breaks down the powerful concept of Infinite Banking in plain language — no jargon, no fluff. If you’ve ever wondered how the wealthy seem to keep their money working for them 24/7, this is the strategy they don’t advertise… but consistently use.

You’ll learn:
✅ How traditional banks profit from your deposits (and why you shouldn’t let them)
✅ Why your savings account might be quietly losing value
✅ What Infinite Banking really is — and how YOU can become your own banker
✅ How a properly structured whole life policy gives you liquidity, growth, and control
✅ Why this system works for regular families, not just the ultra-wealthy

Plus, Shawn shares how this strategy changed his own financial life — and how it could do the same for you.

If you're serious about building wealth on your terms, this episode is your first step.

Book your FREE Cash Consultation Call and let’s build your Warehouse of Wealth:
📅 https://calendly.com/shawnksfg/infinite-banking

Resources & Links:

• Website: https://legacylifeandretirement.com/• Email: [email protected]• Buy the book that started it all: Becoming Your Own Banker – Amazon Link• All Socials & Podcast Links: https://linktr.ee/legacylifeandretirement

In this eye-opening episode of The Cashflow Chronicles, host Shawn King challenges one of the most repeated pieces of financial advice out there: "Keep your emergency fund in the bank." But what if that “safe” strategy is actually losing you money?

Shawn breaks down why traditional savings accounts are quietly killing your wealth due to inflation, taxes, and lost opportunity cost—and introduces a smarter way to store your cash using the Infinite Banking Concept. Discover how properly structured whole life insurance policies can keep your money liquid, growing, and working for you 24/7—even when you borrow against it.

What You'll Learn:
✅ Why savings accounts are failing you
✅ How policy loans don’t interrupt compound growth
✅ Why the wealthy store cash differently than the middle class

✅ How to turn your emergency fund into an opportunity fund
✅ Real-life example of a client who upgraded his emergency strategy

👉 Check out our YouTube channel Legacy Life and Retirement for in-depth walkthroughs and live illustrations.

Ready to take the next step?
Book your FREE Cash Consultation Call and let’s build your Warehouse of Wealth:
📅 https://calendly.com/shawnksfg/infinite-banking

Resources & Links:

• Website: https://legacylifeandretirement.com/
• YouTube Channel: https://www.youtube.com/@LegacyLifeandRetirement
• Email: [email protected]
• Buy the book that started it all: Becoming Your Own Banker – Amazon Link
• All Socials & Podcast Links: https://linktr.ee/legacylifeandretirement

Tired of following the traditional financial path that leads to debt, stress, and delayed dreams? In this powerful episode, Shawn King, founder of Legacy Life and Retirement, breaks down the Legacy Lifestyle Process—his signature four-step system that’s helping everyday families build wealth, reclaim their time, and create financial security far earlier than retirement age.

You'll learn:

✅ How to plug financial leaks and recover thousands in lost cash flow
✅ Why becoming your own bank through Family Banking can change your financial life forever
✅ Where to grow your money without gambling it away on risky investments
✅ The real key to Legacy Protection—and why most people skip this critical step
✅ How Shawn and his wife Amanda are using these strategies to live debt-free, travel the world with their son, and build generational wealth from the ground up

This episode isn’t just theory—it’s full of real-life lessons, practical strategies, and hard-won wisdom. Whether you're a high-achieving parent, a freedom-loving entrepreneur, or just someone who knows there's got to be a better way to live, this is your blueprint.

🎯 Ready to take back control and build a life worth living?
🎓 Start by watching the full Save & Spend System Overview:👉 https://saveandspendsystem.com/startnow2

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

📋 Download our Free Trust Builder Outline to start protecting your legacy today:👉 https://shawnking-sfg.systeme.io/

🔗 Explore more resources and connect with us here:
👉 https://linktr.ee/legacylifeandretirement

📺 Subscribe on YouTube: Legacy Life and Retirement

In this episode, Shawn King shares the raw and unfiltered story of how he and his wife went from losing over $60,000 in failed investments to building over $60,000 per year in passive income—all while raising their son and traveling to 25+ countries.

You'll hear about:

• The Amazon dropshipping disaster

• A crypto rug pull gone wrong

• A Texas land deal that ended in a $20K loss

• How they bounced back and built 5+ income streams

• Why living with family, ditching car payments, and cutting expenses helped fuel their comeback

• And the plan to hit $120K/year in passive income by 2027 before moving to Vietnam 🇻🇳

This isn't just a success story. It’s a roadmap built on real-life lessons, sacrifice, intentional planning, and relentless commitment to financial freedom.

Whether you're just getting started or bouncing back from your own financial setbacks, this episode will show you what's possible.

📲 Ready to build your own financial game plan?
• Book your FREE Cash Consultation Call Here: https://calendly.com/shawnksfg/infinite-banking
• Visit our Website: https://legacylifeandretirement.com
• Follow us on Socials & Listen to The Cashflow Chronicles Podcast: https://linktr.ee/legacylifeandretirement
• Get the Book - Becoming Your Own Banker: https://a.co/d/3YmEAoE

Before you form an opinion, here’s your reminder to stay open-minded, because as Nelson Nash said, “The moment you think you’ve arrived is the moment you stop growing.”

In this episode of The Cashflow Chronicles, I sit down with George Vrban from Movement Mortgage to talk all things reverse mortgages. Whether you think you know what a reverse mortgage is or you’ve never even heard the term, I promise you… this conversation will shift your perspective.

We break down what a reverse mortgage really is, who it’s for (and not for), how it compares to a HELOC or traditional mortgage, and—most importantly—how it can be used strategically for lifestyle upgrades, healthcare funding, retirement income, and even legacy planning.

George also shares some eye-opening real-life examples and clears up the top myths that keep people from exploring this powerful tool. Spoiler: “The bank takes your house” isn’t how it works.

What We Cover:

✅ What is a reverse mortgage and how does it actually work?

✅ Who qualifies, and what are the real benefits?

✅ Common myths (and the real truth)

✅ Real-world examples of how retirees are using this to unlock cash flow

✅ How reverse mortgages can fit into a tax-efficient retirement strategy

✅ Using a reverse mortgage to buy a home (yes, it’s possible)

✅ The application process and key questions to ask before moving forward

✅ Why open-minded financial professionals are starting to embrace this tool

Why It Matters:

If you’re 62+ and sitting on a paid-off or mostly paid-off home, this episode might change how you think about retirement income. A reverse mortgage isn’t for everyone, but for the right person, it can be a game-changer.

📞 Want to run your own numbers with George’s team?
Book a FREE Consultation Today:

[email protected]

🌐 Learn More & Connect With Us:

👉 ⁠https://calendly.com/shawnksfg/infinite-banking⁠

• Website: https://legacylifeandretirement.com
• Email: [email protected]
• All Resources, Links & Podcast Episodes:
👉 https://linktr.ee/legacylifeandretirement

The information is free—but the knowledge is priceless.
If you're looking to get educated and build a plan that actually fits your life, not just your age, this episode is a must-listen.

If you’re tired of wondering where your money disappears each month… and you’re ready to start telling it where to go instead, this episode is for you.

In today’s episode of The Cashflow Chronicles, Shawn King breaks down Budgeting 101 in a way that actually makes sense. No guilt. No confusing spreadsheets. Just a simple, practical framework to help you create a plan that finally works.

Whether you’re saving for your first home, trying to get out of debt, or just want to stop living paycheck to paycheck… budgeting is the foundation of financial clarity, and it starts right here.

In this episode, you’ll learn:Budgeting Tools

• Why budgeting is about control, not restriction• The easiest way to track your income and expenses• Which budgeting method works best for your lifestyle• Real-life tips to stick to your budget, even if you’ve failed in the past• The 3 biggest mistakes people make with budgets (and how to avoid them)• Why going hard for 6–18 months on your spending could change your life• How to use your budget to build cash, eliminate debt, and jumpstart investing

Most people don’t need more income, they need more clarity.
A good budget shows you exactly where your money is going… and more importantly, how to reclaim it. With the right plan in place, you can build serious momentum toward your freedom goals, and finally stop wondering where your paycheck went.

📞 Book a FREE Budget Coaching Call with Shawn
👉 https://calendly.com/shawnksfg/infinite-banking

🎥 Watch More Financial Education Videos
👉 https://www.youtube.com/@LegacyLifeandRetirement

📲 Get the Free Budget Tracker Template
👉 Comment “Budget” on YouTube or DM @LegacyLifeandRetirement

🌐 Visit the Website
👉 https://legacylifeandretirement.com

🔗 All Links & Resources in One Place
👉 https://linktr.ee/legacylifeandretirement

📧 Reach Out Directly
👉 [email protected]

The information is free, but the knowledge is priceless.
Start budgeting like your future depends on it, because it does.

Today’s episode of The Cashflow Chronicles is one you do not want to miss—especially if you're 35 or older and serious about protecting your wealth and your family’s future.

Shawn King sits down with Michelle Prather from OneAmerica to talk about a powerful but often overlooked financial tool: Asset-Based Long-Term Care. This is not your grandfather’s LTC policy—Michelle breaks down how today’s modern version is built on a whole life insurance foundation, offering protection, guarantees, and peace of mind that traditional LTC just couldn’t provide.

📺 Want to follow along with visuals?
Head over to our YouTube channel, Legacy Life and Retirement, where Michelle gives a live, slide-based walkthrough of the entire product and strategy so you can see how it works in real time.
👉https://www.youtube.com/@LegacyLifeRetirement

• Why Long-Term Care is one of the most important but overlooked parts of a real financial plan
• How OneAmerica’s LTC product differs from the old-school version your parents may have had
• The benefits of LTC built on a whole life policy chassis
• Real-world examples of how this policy can protect you, your spouse, and your estate
• The massive cost of long-term care in retirement—and how pennies on the dollar today can save you tens of thousands later
• What makes this policy one of the only options that covers both individuals and couples
• Why the best time to get it is in your 30s or 40s (while it's more affordable and easier to qualify for)

Most people wait until it's too late to think about long-term care. But wealth isn’t just about growing money—it’s about protecting it. And this tool gives you the power to do both:
✅ Grow your wealth through a properly structured whole life policy
✅ Access tax-advantaged cash value
✅ AND have robust long-term care coverage in place—without ever “losing your money” like old LTC plans

If you’re 35+ and don’t yet have a real long-term care plan in place, this episode could literally save your retirement.
Watch the full visual overview on YouTube and then schedule your free consultation to see if this strategy makes sense for your life.

📺 Watch the YouTube Overview w/ Michelle Prather:
👉 https://www.youtube.com/@LegacyLifeandRetirement

📞 Book Your FREE Cash Consultation Call with Shawn:
👉 https://calendly.com/shawnksfg/infinite-banking

🔗 Explore More Resources:
👉 https://linktr.ee/legacylifeandretirement

🌐 Visit the Website:
👉 https://legacylifeandretirement.com

📧 Contact Shawn Directly:
👉 [email protected]

The earlier you plan, the more powerful this becomes.
The information is free—but the knowledge is priceless.
Don’t wait—protect your assets while you still can.

In this episode, we cover:Why This Matters:Call to Action: