Round Table | The Greatest "Scam" Banks Ever Fell For: $200 Billion in Life Insurance

Are you curious about how banks make lots of money? In this episode, the financial coaches dive into one of the lesser-known financial strategies that banks use to build wealth: Bank-Owned Life Insurance (BOLI). While BOLI is typically utilized by financial institutions to create long-term, tax-deferred growth, the coaches break down how anyone can apply the same principles to their own financial strategies. They explain how BOLI provides financial freedom through tax advantages, compounding growth, and safe wealth accumulation.

How banks leverage life insurance to build wealth and mitigate financial risks

Why bank-owned life insurance (BOLI) is a valuable strategy for personal finances

Practical steps to integrate the same strategies used by banks into your own financial planning

How to Turn Farmland into Cash Flowing Communities with Brandon Cobb

Are you looking for a unique and profitable investment opportunity? In this episode, Brandon Cobb joins Russ and Joey to discuss how to transform farmland into cash-flowing communities. As a co-founder of HBG Capital, Brandon shares insights into turning raw land into thriving residential areas that national homebuilders are eager to buy. He dives into the current market demand for entry-level housing, explaining the critical shortage and the opportunity for smart investors to profit by developing land for affordable housing. Brandon walks through the step-by-step process of land acquisition and entitlement, and explains how forced appreciation increases land value. He also discusses the benefits of working with national homebuilders and the importance of location and market research.

Land development as a profitable investment

Understanding the growing gap between renting and home ownership

Strategies for success in the land development market

Brandon Cobb

Brandon Cobb is the CEO of HBG Capital. He began his career in medical device sales, following the conventional path society laid out for him. After achieving early success in the corporate world, Brandon’s life took an unexpected turn when he was unexpectedly let go from his dream job. This event sparked a transformation, as Brandon realized he needed to take control of his own financial future.

Round Table | Stop Doing This: The Hidden Traps Keeping You From Financial Freedom

Are you unknowingly falling for the traps that keep you stuck in the rat race? In this episode, the financial coaches expose the hidden traps that prevent many from achieving true financial freedom. They dive into the dangers of relying on traditional financial advice, such as saving in qualified plans, paying off your home early, and other common practices that sound good but actually trap people in a cycle of delayed freedom. The coaches also discuss the importance of taking control of your money and making smarter decisions that align with the financial freedom formula. They emphasize the necessity of understanding the opportunity costs associated with these financial traps and encourage listeners to start building their passive income systems now.

Why owning a paid-off home may not be the best financial move

The truth about 401(k)s and IRAs

How to break free from the system and start generating passive income

Round Table | The One Thing They Don’t Want You to Know About Infinite Banking

Did you know that there's a path to achieving financial freedom without relying on traditional methods? In today's conversation, the financial coaches reveal the one thing the financial system doesn't want you to know about the Infinite Banking concept (IBC). This powerful strategy, often misunderstood or overlooked, enables individuals to take control of their finances and establish sustainable passive income streams. The coaches explain how IBC works, its benefits, and why it's not just for the wealthy. They also share real-life examples of how everyday people are using this strategy to build financial freedom and accelerate their path to wealth. By focusing on building your own bank through whole life insurance policies, you can create a system that works for you instead of trying your luck on Wall Street.

How IBC works and why it's a powerful tool for creating passive income

Why whole life insurance is the key to achieving financial freedom

The common myths surrounding IBC and how to avoid costly mistakes when setting up your insurance policy

Maximizing Your Business Valuation Before Selling with Saul Cohen

Selling your business may be one of the hardest decisions any business owner has to make. But even if you don’t plan to sell any time soon, it’s still important to think about an eventual exit. In today's episode, Saul Cohen joins Russ and Joey to discuss the steps business owners should take to successfully prepare for an exit and ensure a lucrative sale. This episode provides valuable insights for business owners who may be unaware of the strategies to maximize valuation.

Why business owners need to prepare for an exit

How to increase your business valuation

The importance of systematic financial processes

Saul Cohen

Saul Cohen is an experienced accountant and acquisitions advisor who is passionate about helping entrepreneurs achieve financial growth through strategic acquisitions and insightful financial planning. Having supported over 100 acquisitions, he brings a wealth of expertise in guiding business owners through complex transactions.

Round Table | Where Are People Investing Now to Get Passive Income Heading Into 2026?

When interest rates shift, the rules of investing, borrowing, and building passive income shift too. In this timely conversation, the financial coaches discuss the upcoming rate cuts, their ripple effects across real estate and the economy, and how savvy investors should prepare. They break down why cheaper capital creates more deals, but also more risk, and how lower borrowing costs can push up asset prices, lure amateurs into the market, and create dangerous financial traps for the unprepared. The financial coaches also explain why having access to capital, maintaining liquidity, and following a solid system matter far more than chasing rates or trying to time the market.

How interest rate cuts create new investing opportunities

Why passive income beats accumulation-focused investing

How to position yourself before rates drop

The IUL Illusion: What Kyle Busch’s $8.5M Loss Teaches About Real Financial Freedom

Do you want to learn how to build a financial system that generates passive income without relying on Wall Street? In this episode, Russ and Joey share their monthly passive income report, revealing the strategies they use to generate consistent, reliable cash flow without relying on traditional financial systems. They also share actionable steps on how to replicate their success. The duo goes on to discuss the crucial lessons from Kyle Busch’s $8.5 million loss, exploring how it highlights the distinction between perceived financial success and real financial freedom. Tune in to learn why traditional wealth-building strategies often fall short, and how creating a sustainable system can lead to true financial freedom just like it has for Russ and Joey. Top three things you will learn: The limitations and risks of indexed universal life insurance policies The importance of a financial system Why clarity and control in your financial decisions matter September 2025 Income At-A-Glance: Gross Income for September: $57,618 Total Expenses for September: $13,534 Total Net Profit for September: $44,084 Difference b/t August & September: $8,575 % of net profit to overall gross revenue: 77%

Round Table | How to Build Passive Income with the Passive Income Operating System (Step-by-Step)

Are you tired of working harder for your money and never feeling truly free? In today's conversation, the financial coaches break down why making more money isn’t enough. Instead, you need a proven system that can turn your active income into passive income and help you achieve financial freedom. The discussion highlights why relying on random financial tactics only leads to random results. By implementing a structured approach, you can create lasting passive income streams that will support you for life. The system they discuss is designed to help you access the capital you need to start investing while still securing your wealth.

The importance of having a system for financial freedom

How to recognize and avoid common money traps

The power of using the cash value in a life insurance policy to generate passive income

Is Airbnb Dead? What Most People Get Wrong About STRs with John Bianchi

Managing a short-term rental can feel overwhelming, especially with all the market myths out there. In this episode, John Bianchi joins Russ and Joey to break down why Airbnb is far from dead and how to strategically position your rentals for maximum profitability. John dives into what makes a property desirable, the importance of amenities, and how to create a “destination” experience that attracts guests year-round. We also cover key insights on the short-term rental tax loophole and strategies to maximize cash flow while staying compliant.

How to identify profitable short-term rental markets

How to choose properties that stand out

How to leverage data to avoid costly mistakes

John Bianchi

John Bianchi, also known as The Airbnb Data Guy, is a real estate investor who spends much of his time providing useful information on how to scrub data to find your next investment. In 2017, at just 24 years old, John sold a $10 million investment portfolio to start an Airbnb Arbitrage business. He quickly grew that to 15 cash-flowing properties in the Chicago area.

Round Table | Forever Income: What Michael Jordan Taught Us About Passive Cash Flow

What comes to mind when you think about the Jordan brand? In today’s episode, the financial coaches explore how to build streams of income that last beyond your lifetime, just like Michael Jordan’s legendary brand. They dive deep into the mindset shift needed to create streams of income that continue after you’re gone. Instead of focusing on accumulating a large sum for retirement, the focus is on building sustainable income sources that provide freedom now and for future generations. They also discuss the common trap of following traditional financial advice, which encourages saving for retirement but doesn’t focus on creating perpetual cash flow.

The power of perpetual passive income

Shifting from traditional investments to income-generating assets

Building wealth for future generations

The Hidden Secret to Scaling Multiple Businesses (No More Chaos!) with Joshua Kalinowski

Managing a business is challenging. It's even more difficult when you're juggling multiple ventures. How do you break free from the chaos and scale effectively? In this episode, Joshua Kalinowski joins Russ and Joey to share the secret to scaling multiple businesses without the chaos. From real estate to roofing, Joshua reveals how his company evolved into a successful holding company, ensuring each business stands alone while complementing the others.

Structuring businesses for scalable growth

Building strong leadership to drive business expansion

Eliminating chaos and friction to unlock growth

Joshua Kalinowski

Joshua Kalinowski is an author, serial entrepreneur, and CEO of multiple companies. He focuses on empowering men and women to live a life of exceptional impact, influence, and faith. As a former professional athlete, Josh knows the importance of discipline, vision, and taking risks to overcome challenges in pursuing dreams and achieving goals. He prides himself on being a personal coach and mentor, helping people uncover their passions and live out their purpose.

Round Table | Why Debt Freedom Doesn’t Equal Financial Freedom (The Missing Step to Passive Income)

Debt freedom is often seen as the ultimate goal, but is it really the key to financial freedom? In this episode, the financial coaches dive into why eliminating debt doesn’t automatically lead to true financial independence, and how the journey to wealth requires more than just paying off what you owe. They discuss how the “debt-free” mindset can lead to a life of dependence on a paycheck, without building streams of income. They also explore the essential next step: creating passive income that works for you, even when you’re not actively working.

Why debt freedom doesn’t equal financial freedom

The dangers of focusing on debt while ignoring passive income

Steps to building a passive income system

Crypto Taxes: The IRS Doesn’t Want You To Know This with Janna Scott

Are your crypto taxes putting your investments and your wallet at risk without you even knowing it? In this episode, Russ and Joey dive into the complex world of cryptocurrency taxes with Janna Scott, a former government CPA turned crypto tax expert. Janna shares her firsthand experience identifying inconsistencies in major crypto tax software and highlights the risks investors face when relying on inaccurate reports. She explains how her team built audit-proof software that pulls directly from the blockchain, categorizes transactions correctly, and minimizes errors that could trigger penalties.

How to accurately report crypto taxes

Audit-proof strategies for your crypto portfolio

Identify risks in crypto tax software

Janna Scott

Janna Scott is the founder and visionary behind DeFi Tax, a groundbreaking platform designed to bring clarity and compliance to the complex world of cryptocurrency tax reporting. By combining her expertise with a deep understanding of the evolving financial landscape, Janna has made it her mission to empower individuals, businesses, and institutions to navigate cryptocurrency taxes confidently.

Round Table | 3 Ways to Make Your Kid a Multi-Millionaire

Have you ever wondered how to set your kids up for financial success? In today's conversation, the financial coaches reveal three powerful strategies to help your children become multi-millionaires. It's not about passing down money–it’s about passing down the skills, mindset, and systems that will enable them to create wealth for themselves. The coaches share practical steps that can make all the difference in teaching kids how to generate passive income, understand financial systems, and take charge of their financial futures.

How to teach your kids the value of passive income

The mindset shifts necessary to make them multi-millionaires

Practical steps to start building wealth systems for future generations

Building Your Hard Asset Empire: How to Buy Back Your Freedom with Ben Reinberg

Have you ever wondered how to turn hard assets into real financial freedom? In this episode, Ben Reinberg, author of Hard Assets and Hard Money for Hard Times, joins Russ and Joey to share his blueprint for building a cash-flowing empire even if you don’t have millions to start. Starting from humble beginnings, Ben explains how he leveraged commercial real estate to generate consistent cash flow while minimizing risk. He dives into the importance of focusing on your niche, investing alongside experienced “smart money,” and maintaining low leverage to weather market shifts.

How to invest in commercial real estate and build a resilient hard asset empire

The mindset and strategies needed to create a consistent cash flow

Leveraging smart money, low-leverage investing, and generating stable returns

Ben Reinberg

Ben Reinberg is known by his peers as a visionary and a futurist. He has always been a step ahead, boldly setting investment trends. While other people entered commercial real estate as brokers, at 23 years old, he made the bold move to start as a principal owner. With a relentless drive, Ben navigated the complexities of the commercial real estate world to build a multi-billion-dollar empire from the ground up.

Round Table | The Simple System to Go From Cash Value to Cash Flow

Are you stuck in acquiring knowledge about building financial systems without achieving the results you want? Today's conversation breaks down why many investors hit a wall and how to move from education to action. Tune in as the financial coaches discuss the mindset shift required to convert active income into passive income. With personal stories and powerful insights, they share how you can take the next step to unlock your financial freedom. They also explore the Passive Income Lab, a proven system that has helped many transition from uncertainty to confidence. If you're ready to stop sitting on the sidelines and make your money work for you, this is your opportunity to learn how to start building your passive income the right way.

Transitioning from learning to earning passive income

Shifting your mindset to turn active income into passive wealth

How the Passive Income Lab clarifies your investment profile and reduces risk

3 Filters Every Investor Needs to Avoid Shiny Object Traps and Build Cash Flow

Are you feeling overwhelmed by all the investment opportunities available? It’s easy to chase the shiny objects, but how do you know what’s the best fit for you? In this episode, Russ and Joey break down The Golden Filter–the key to making smart, calculated investment decisions. They’ll walk you through three critical components (fit, risk, and outcome) and show you how understanding your Investor DNA and having a clear filter can help you make confident choices that align with your goals. Learn how they’ve used this system to build over $50K in passive income and how you can avoid costly mistakes. By the end of the episode, you’ll be equipped to apply this filter to your own investments and feel more confident than ever. Top three things you will learn: The golden filter for smart investing Identifying your unique investor profile Risk management and long-term planning August 2025 Income At-A-Glance: Gross Income for August: $50,024.34 Total Expenses for August: $14,515.47 Total Net Profit for August: $35,508.87 Difference b/t July & August: ($16,588.93) % of net profit to overall gross revenue: 71%

Round Table | How Trump's Big Beautiful Tax Bill Could Make Real Estate Investors Millions

Did you know the latest tax bill could save real estate investors $100k+ while accelerating your path to financial freedom? If you’re a real estate investor, understanding the latest tax incentives could mean keeping tens of thousands more in your pocket while accelerating your wealth-building strategy. In this episode, Russ, Joey, Jamie, and Jonathan break down how Trump’s Big Beautiful Tax Bill impacts real estate investing and how you can leverage it to maximize cash flow and minimize taxes. Learn how 100% bonus depreciation allows investors to fully expense properties in the first year, freeing up capital for reinvestment. Discover the updated Opportunity Zones rules, including the new 10-year rolling designation that rewards long-term investments in emerging areas. The financial coaches also cover Section 179 expansions that let investors expense larger project costs upfront, turning tax savings into additional opportunities for passive income.

Maximizing your tax benefits

Strategic real estate investing

Practical application of the tax strategies

Capital Raising Secrets: Make Investors Chase You with Ryan Miller

Have you ever felt stuck on the sidelines, wanting to invest but lacking the capital to get started? What if you could raise the money you need without the typical roadblocks? In this episode, Ryan Miller joins Russ and Joey to share his wealth of knowledge on how to successfully raise capital for your deals. As someone who has raised billions, Ryan explains the importance of building a solid reputation, forming strong relationships, and delivering results. With practical advice and real-world stories, Ryan reveals how to raise money even if you're just starting. Learn why it’s crucial to guard your capital, explore the downside risks of any investment, and understand the importance of a structured investment thesis.

How to attract investors

Building a Powerful Advisory Board

Decision-making framework

Ryan Miller

Ryan Miller is an angel investor, former VP of Finance, CFO of an insurance company, and the founder of Fund Raise Capital, an elite community of capital raisers that secures investor commitments of $500k to $500M in as little as 30 days after following his strategies.

Round Table | The Hidden Mistakes in Your Tax Return That Could Be Costing You Thousands

Taxes are your single biggest expense, and understanding your tax return could be the key to unlocking more passive income and financial freedom. In this episode, Russ, Joey, and Anthony demystify the tax return and show how you can use it as a planning tool rather than just a filing task. They discuss why most tax professionals don’t proactively guide clients and how taking control or acting as the CEO of your taxes can reveal overlooked deductions, carryovers, and passive loss limits. They also break down real examples, showing how understanding your return can free up cash to reinvest in your business and build wealth. Your path to financial freedom starts with understanding what’s already on your tax return.

Uncover opportunities for deductions and passive income growth

Identify potential savings and tax efficiencies

How to engage with your CPA proactively to ensure your tax strategy aligns with your financial goals