⁠⁠⁠⁠📺 Watch the full Save & Spend System Overview⁠⁠⁠⁠

In this episode of The Cashflow Chronicles, I sit down with Will Worsham — attorney, educator, and the “High-Tech Hillbilly Lawyer” — to unpack why most estate plans don’t actually work when families need them most… and what you can do to make sure yours does.

Will has spent years helping regular families cut through the legal noise and build simple, effective, and affordable will and trust-based plans that actually protect the people they love. If you’ve been putting off your estate planning because it feels confusing, expensive, or “only for the ultra-wealthy,” this conversation is for you.

We get into:

• 🧩 Why most estate plans fail in real life — and what “failure” actually looks like for a surviving spouse or kids

• 👶 Minor children & the foster care nightmare — what legally happens if parents pass without the right documents, and how proper planning keeps your kids out of the system

• 📜 Will vs. Trust — why having “a will” doesn’t avoid probate, and what a solid trust-based plan can do that a simple will never will

• 💰 Trusts for regular families — why they’re not just for the ultra-wealthy and what a realistic, well-crafted plan actually looks like for an average household

• ⚠️ Planning for the unexpected — incapacity, disability, long-term care, and the key documents and strategies people overlook that can wreck a family’s finances

• 💻 “High-Tech Hillbilly Lawyer” in action — how Will uses tech to make estate planning more approachable, affordable, and less intimidating

• 📖 Real stories from the trenches — one example where good planning saved a family, and one where lack of planning created chaos

• ✅ What to do in the next 30 days — concrete steps to finally get your estate plan done, plus the biggest mistakes to avoid when choosing an attorney or trying to DIY

If you’ve ever thought, “We really need to get our will and trust done… someday,” this episode is your push to get it handled the right way.

Connect with Will:

Email - wworsham@willworsham.com

Phone- 414-343-3996

Website

Buy Will's Book

📌 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

Most families never really plan for what happens after they’re gone—not because they don’t care, but because the legacy conversation feels uncomfortable and easy to avoid. In this episode, I break down the Rockefeller “Waterfall Method” in simple terms and show how they’ve used whole life insurance and a family trust to grow and transfer wealth for generations. We walk through the key roles in a policy and a trust, how Amanda and I are structuring this for our own family, and why your trust isn’t “set it and forget it” but a living system that needs clear rules and ongoing stewardship. If you’ve been wondering how to move from just having life insurance to actually building a generational wealth structure, this will give you a high-level roadmap to start that process.

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

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 here:
https://www.youtube.com/playlist?list=PLPFOpSOEjJzR98aL5DB-akN2OCa7hjw_d

If you’re ready to learn more you’ve got to watch our full Save & Spend System Overview Here:→ 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

🌐 Website: https://legacylifeandretirement.com/

📚 Purchase a copy of Becoming Your Own Banker: Amazon→ https://a.co/d/3YmEAoE

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

📧 Email
Info@LegacyLifeandRetirement.com

⁠⁠⁠📺 Watch the full Save & Spend System Overview⁠⁠⁠

Everyone talks about “multiple streams of income”… but very few people show you how to actually build them in real life.

In this episode, Jonah Dew and I break down income stacking from our own personal journeys—how we first discovered the concept, the concerns we had early on, and how we’re now using it intentionally to build long-term cash flow for our families. This is just the beginning.

📌 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

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→ Info@LegacyLifeandRetirement.com

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: Info@LegacyLifeandRetirement.com

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→ Info@LegacyLifeandRetirement.com