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    Business

    The Wealth Without Wall Street Podcast

    Your go-to podcast for uncovering the dirty secrets behind Wall Street and how to take back control of your wealth. The Wall Street mindset separates both families & business owners from their money while the elite and unknown get to use it for their advantage. The secret to achieving this is having your money work for you, not someone else, when wealth building. You can get there through earning passive income. When you have more passive income than you do expenses, you have achieved financial freedom. On this podcast, we work tirelessly toward your financial freedom. We cover topics like the Infinite Banking Concept, multifamily real estate, private lending and a multitude of other cutting edge ideas. We host industry specific reputable guests and share personal stories to educate you on how to finally achieve financial freedom. For more education on how, check out wealthwithoutwallstreet.com

    Advertise

    Copyright: © Everlight Financial 2017

    • Apple Podcasts
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    • Spotify

    Latest Episodes:
    Round Table | Infinite Banking Is Not an Investment—So Why Do Investors Use It? Feb 03, 2026
    Show notes

    Did you know that infinite banking isn’t technically an investment? So why are investors flocking to it? In today's conversation, the dream team of financial coaches breaks down the Infinite Banking Concept (IBC) and why it’s one of the best wealth-building tools available to investors.


    The coaches explore how IBC helps investors leverage their money for growth, the key differences between traditional investing methods like real estate, and why it’s often misunderstood. They also discuss the core principles behind IBC and how successful investors use it to enhance their financial strategies without relying on traditional investment vehicles.


    Whether you’re a seasoned investor or just starting out, understanding how IBC works and how to implement it in your wealth strategy can unlock new opportunities and build lasting financial freedom.


    If you’ve ever wondered whether IBC is right for you, this episode offers the insights you need to make an informed decision.


    Top three things you will learn:

    -The true role of infinite banking in building wealth

    -How infinite banking complements traditional investments

    -Maximizing cash flow and flexibility through infinite banking


    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.


    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.


    The hosts may have a financial interest in the programs or services mentioned in this episode.


    💸 Build a Passive Income Machine in 3 Steps:

    Here’s how to flip the script and start building wealth the way the wealthy do 👇

    👀 Step 1 – Watch the Free 40-Minute Masterclass on the Infinite Banking Concept

    👉 wealthwithoutwallstreet.com/free-ibc-webinar

    📞 Step 2 – Book a Free Call with Our Team (We Do This All Day, Every Day)

    👉 wealthwithoutwallstreet.com/accelerate

    📈 Step 3 – Start Building Passive Income


    Join the Passive Income Lab

    👉 ChoosePassiveIncome.com


    More Ways to Learn & Grow Wealth (For Free)

    💾 Download the Passive Income Operating System

    👉 wealthwithoutwallstreet.com/piosebook

    👥 Join 10,000+ Investors Inside Our Free Community

    👉 wealthwithoutwallstreet.com/community

    Paying $250K+ in Taxes? Stop the Bleed.

    😡 Apply for Our Next Tax Strategy Intensive

    👉 wealthwithoutwallstreet.com/tax


    Grab Our Book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    📘 wealthwithoutwallstreet.com/newbook


    Stay Connected:

    📸 Instagram: @wealthwithoutwallst



    —


    The Silver Tsunami Is Here: Why Brian Burke Says Senior Living Is the Next Big Wave Jan 29, 2026
    Show notes

    Have you considered investing in senior housing? In this episode, Brian Burke joins Russ and Joey to discuss why this real estate sector is one of the most promising investment opportunities today, as the silver tsunami hits the US.

    With an aging population, demand for senior living facilities is skyrocketing, creating immense potential for investors. Brian explains the unique cash flow opportunities in this asset class, what investors need to know about post-pandemic market shifts, and how to navigate this space successfully. He shares his experiences, offering insights on structuring deals, securing financing, and ensuring long-term profitability.

    Whether you’re looking to invest in real estate or seeking stable passive income streams, this episode will equip you with the knowledge to capitalize on the silver tsunami and profit from the future of senior housing.


    Top three things you will learn:

    -Why senior housing is a booming market

    -The ins and outs of senior housing investment

    -How to avoid pitfalls and profit in senior living


    About Our Guest:

    Brian Burke is President & CEO of Praxis Capital, Inc., a vertically integrated real estate private equity investment firm, which he founded in 2001. Brian is also a member of the Praxis Investment Committee. Praxis operates across multiple platforms and currently manages active syndications for the acquisition of single-family, multifamily, and opportunistic residential assets in US growth markets.


    Brian has acquired over $800 million in real estate over a 30-year career, including over 4,000 multifamily units and more than 700 single-family homes, using proprietary software he developed. Brian has subdivided land, built houses, and constructed self-storage facilities, but prefers to reposition existing multifamily properties.


    Brian is the author of The Hands-Off Investor: An Insider’s Guide to Investing in Passive Real Estate Syndications, and a frequent public speaker at real estate conferences and events nationwide.


    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.


    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.


    The hosts may have a financial interest in the programs or services mentioned in this episode.


    Connect with Brian Burke:

    -Website - PraxCap.com


    💸 Build a Passive Income Machine in 3 Steps:

    Here’s how to flip the script and start building wealth the way the wealthy do 👇

    👀 Step 1 – Watch the Free 40-Minute Masterclass on the Infinite Banking Concept

    👉 wealthwithoutwallstreet.com/free-ibc-webinar

    📞 Step 2 – Book a Free Call with Our Team (We Do This All Day, Every Day)

    👉 wealthwithoutwallstreet.com/accelerate

    📈 Step 3 – Start Building Passive Income


    Join the Passive Income Lab

    👉 ChoosePassiveIncome.com


    More Ways to Learn & Grow Wealth (For Free)

    💾 Download the Passive Income Operating System

    👉 wealthwithoutwallstreet.com/piosebook

    👥 Join 10,000+ Investors Inside Our Free Community

    👉 wealthwithoutwallstreet.com/community

    Paying $250K+ in Taxes? Stop the Bleed.

    😡 Apply for Our Next Tax Strategy Intensive

    👉 wealthwithoutwallstreet.com/tax


    Grab Our Book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    📘 wealthwithoutwallstreet.com/newbook


    Stay Connected:

    📸 Instagram: @wealthwithoutwallst



    —


    Round Table | The 2026 Investor Playbook: What We Expect to Boom and What We Expect to Bust Jan 27, 2026
    Show notes

    Wondering where to invest in 2026? In today's discussion, the financial coaches look into the 2026 investment landscape, revealing what’s set to boom and what’s expected to bust in the coming year. Drawing on insights into economic trends, market shifts, and emerging investment opportunities, they discuss strategies to help investors navigate the next phase of market evolution.

    Whether you’re a beginner or an experienced investor, understanding what to avoid and what to seize is key to capitalizing on the market’s potential. Tune in to gain expert tips on how to position yourself for success in 2026 and beyond, ensuring you’re ready for both the opportunities and challenges ahead.


    Top three things you will learn:

    -Identifying which industries are poised for growth, and which ones could experience downturns in 2026

    -Strategies for managing investment risks and identifying profitable opportunities in a volatile market

    -Key investment principles to help you succeed in different market conditions


    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.


    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.


    The hosts may have a financial interest in the programs or services mentioned in this episode.


    💸 Build a Passive Income Machine in 3 Steps:

    Here’s how to flip the script and start building wealth the way the wealthy do 👇

    👀 Step 1 – Watch the Free 40-Minute Masterclass on the Infinite Banking Concept

    👉 wealthwithoutwallstreet.com/free-ibc-webinar

    📞 Step 2 – Book a Free Call with Our Team (We Do This All Day, Every Day)

    👉 wealthwithoutwallstreet.com/accelerate

    📈 Step 3 – Start Building Passive Income


    Join the Passive Income Lab

    👉 ChoosePassiveIncome.com


    More Ways to Learn & Grow Wealth (For Free)

    💾 Download the Passive Income Operating System

    👉 wealthwithoutwallstreet.com/piosebook

    👥 Join 10,000+ Investors Inside Our Free Community

    👉 wealthwithoutwallstreet.com/community

    Paying $250K+ in Taxes? Stop the Bleed.

    😡 Apply for Our Next Tax Strategy Intensive

    👉 wealthwithoutwallstreet.com/tax


    Grab Our Book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    📘 wealthwithoutwallstreet.com/newbook


    Stay Connected:

    📸 Instagram: @wealthwithoutwallst



    —


    Stop Buying the Wrong Business: How to Avoid Franchise Nightmares with Cliff Nonnenmacher Jan 22, 2026
    Show notes

    Many aspiring business owners believe buying a franchise is a shortcut to success, but Cliff Nonnenmacher explains why that assumption leads to costly mistakes. In this episode, Cliff joins Russ and Joey to share his journey from Wall Street investment banking to building, scaling, and exiting multiple franchise businesses.


    Drawing from decades of experience, Cliff explains why most people fail in franchising, not because the model is broken, but because they skip proper valuation, due diligence, and execution. He breaks down why buying at the right price matters more than brand recognition, how a poor "skills fit" destroys profitability, and why execution (not hype) creates real opportunity.


    The conversation also explores how successful investors think about exits before they ever buy, and the red flags that signal a franchise nightmare. Cliff shares real examples of buying failing franchises for pennies on the dollar and then selling for significant multiples.


    This episode is a must-listen for anyone considering franchising as a path to cash flow, business ownership, or long-term wealth creation.


    Top three things you will learn:

    -Why valuation and execution matter more than franchise brand names

    -The most common mistakes that turn franchises into financial traps

    -How to structure a business from day one with a profitable exit in mind


    About Our Guest:

    Cliff Nonnenmacher began his career as an investment banker at Morgan Stanley. After leaving his Wall Street career in 2003, he acquired a Master Franchise for New York and Connecticut, diving headfirst into franchising. Since then, Cliff has owned and operated various franchise and non-franchise businesses. He has also developed well-known domestic and international brands.


    Cliff has over 25 years of experience in franchising, finance, and business, and has been involved in every aspect of the franchisor-franchisee relationship. He now uses his extensive knowledge to assist corporate executives in building generational wealth, diversifying their investment portfolios, and navigating career transitions through franchise ownership.


    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.


    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.


    The hosts may have a financial interest in the programs or services mentioned in this episode.


    Connect with Cliff Nonnenmacher:

    -Website - Franocity.com


    💸 Build a Passive Income Machine in 3 Steps:

    Here’s how to flip the script and start building wealth the way the wealthy do 👇

    👀 Step 1 – Watch the Free 40-Minute Masterclass on the Infinite Banking Concept

    👉 wealthwithoutwallstreet.com/free-ibc-webinar

    📞 Step 2 – Book a Free Call with Our Team (We Do This All Day, Every Day)

    👉 wealthwithoutwallstreet.com/accelerate

    📈 Step 3 – Start Building Passive Income


    Join the Passive Income Lab

    👉 ChoosePassiveIncome.com


    More Ways to Learn & Grow Wealth (For Free)

    💾 Download the Passive Income Operating System

    👉 wealthwithoutwallstreet.com/piosebook

    👥 Join 10,000+ Investors Inside Our Free Community

    👉 wealthwithoutwallstreet.com/community

    Paying $250K+ in Taxes? Stop the Bleed.

    😡 Apply for Our Next Tax Strategy Intensive

    👉 wealthwithoutwallstreet.com/tax


    Grab Our Book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    📘 wealthwithoutwallstreet.com/newbook


    Stay Connected:

    📸 Instagram: @wealthwithoutwallst



    —


    Round Table | The Deal Flow Engine: Where Smart Investors Actually Find the Best Opportunities Jan 20, 2026
    Show notes

    Are you still hunting for the elusive "silver bullet" investment, only to be met with "easy money" pitches and shiny object syndrome? Many new investors get stuck, either looking for a done-for-you solution that keeps them dependent on others or simply not knowing where to look.

    In today's conversation, the financial coaches break down the required skill sets to become a smart investor. The coaches also outline the three essential steps to achieve great deal flow.

    Stop passively waiting for a good deal. Learn practical frameworks, such as the investor buy box, that help you minimize losses and confidently say "no" to most deals that come your way.

    Top three things you will learn:

    -Why being a successful entrepreneur does not always make you a smart investor

    -How to become a "deal magnet" instead of hunting for deals

    -Three steps to becoming a smart investor with great deal flow

    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.

    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.

    The hosts may have a financial interest in the programs or services mentioned in this episode.

    💸 Build a Passive Income Machine in 3 Steps

    Stop trading hours for dollars and start building wealth the way the wealthy actually do 👇

    🧬 Step 1 – Find out what kind of investor you actually are

    There are no good or bad investments, only good or bad investors. Take the Investor DNA assessment and get your investor type, your personal buy box, and the top 2 passive income streams that fit how you’re wired, plus the first move to make this week.

    👉 http://wealthwithoutwallstreet.com/investor-dna

    👀 Step 2 – Learn the system in 12 minutes (free)

    In 12 minutes flat, see the Infinite Banking Concept that took Russ and Joey past $50,000/month in passive income: how to recycle the dollars you’re already spending and make them work twice, so the same money funds your life and buys your assets.

    👉 https://apply.wealthwithoutwallstreet.com/

    📈 Step 3 – Build Your Passive Income Machine

    We didn’t inherit this. Russ and Joey built the system themselves and now collect over $50,000/month in passive income. Inside the Passive Income Lab, we hand you that exact system and work with you 1-on-1 for 12 weeks to install it: your Freedom Number, your Family Bank, and a real deal pipeline in the next 90 days.

    👉 http://choosePassiveIncome.com

    More free ways to grow your wealth

    📊 Take the Financial Freedom Analyzer

    Two minutes to see your Freedom Number, your current gap, and what has to change to close it.

    👉 quiz.wealthwithoutwallstreet.com

    👥 Join Our Free Community

    Swap deals and lessons with 10,000+ investors doing this right now

    👉 http://wealthwithoutwallstreet.com/community

    😡 Paying $250K+ in taxes? Stop the bleed.

    Apply for the next Tax Strategy Intensive and keep more of what you earn.

    👉 wealthwithoutwallstreet.com/tax

    📘 The book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    👉 wealthwithoutwallstreet.com/newbook

    📸 Daily plays on Instagram @wealthwithoutwallst

    ▶️ Watch on YouTube https://www.youtube.com/@WealthWithoutWallStreet?sub_confirmation=1

    📧 Subscribe on Substack https://wealthwithoutwallstreet.substack.com/


    Why Most Doctors Feel Trapped and How to Find Real Freedom with Vikram Raya Jan 15, 2026
    Show notes

    You did everything “right” to become a doctor, so why does freedom still feel out of reach? Many physicians look successful on paper yet feel trapped by long hours, relentless responsibility, and a paycheck that still controls their schedule. In this episode, Russ and Joey sit down with Dr. Vikram Raya to explain why high income doesn’t equal freedom and what actually changes the game.

    Vikram breaks down the eight forms of wealth, showing how time, health, relationships, and purpose matter just as much as dollars. He also shares the mindset shifts behind his abundance challenge and why building a system beats chasing the next raise. Along the way, you’ll hear practical ways doctors can move from trading time for money to creating passive income through better cash flow, investing habits, and intentional life design.

    If you’re a doctor (or high earner) who’s tired of feeling stuck, this conversation will challenge your assumptions and help you map the next right step. It starts with an honest inventory and a simple plan.

    Top three things you will learn:

    -Why high income can still create a “golden cage” for doctors

    -How the eight forms of wealth reframe what “rich” actually means

    -The system shift that helps doctors buy back time with passive income

    Grab Vikram's free book:

    -Perfect Week Formula for Doctors - VikramRaya.com

    About Our Guest:

    Vikram Raya is a doctor, investor, entrepreneur, high-performance coach, speaker, and philanthropist. He co-founded Viking Capitals Investments, a multifamily investment company, and founded Vitology Institute, a dynamic wellness center. Vikram is devoted to sharing his wisdom on health, wealth, and success through his podcast, The Limitless MD. He has been featured in leading publications, including Forbes, CNN, Yahoo Finance, and NBC, and was even recognized by the U.S. Congress.

    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.

    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.

    The hosts may have a financial interest in the programs or services mentioned in this episode.

    Connect with Dr. Vikram Raya:

    -Website - VikramRaya.com

    💸 Build a Passive Income Machine in 3 Steps

    Stop trading hours for dollars and start building wealth the way the wealthy actually do 👇

    🧬 Step 1 – Find out what kind of investor you actually are

    There are no good or bad investments, only good or bad investors. Take the Investor DNA assessment and get your investor type, your personal buy box, and the top 2 passive income streams that fit how you’re wired, plus the first move to make this week.

    👉 http://wealthwithoutwallstreet.com/investor-dna

    👀 Step 2 – Learn the system in 12 minutes (free)

    In 12 minutes flat, see the Infinite Banking Concept that took Russ and Joey past $50,000/month in passive income: how to recycle the dollars you’re already spending and make them work twice, so the same money funds your life and buys your assets.

    👉 https://apply.wealthwithoutwallstreet.com/

    📈 Step 3 – Build Your Passive Income Machine

    We didn’t inherit this. Russ and Joey built the system themselves and now collect over $50,000/month in passive income. Inside the Passive Income Lab, we hand you that exact system and work with you 1-on-1 for 12 weeks to install it: your Freedom Number, your Family Bank, and a real deal pipeline in the next 90 days.

    👉 http://choosePassiveIncome.com

    More free ways to grow your wealth

    📊 Take the Financial Freedom Analyzer

    Two minutes to see your Freedom Number, your current gap, and what has to change to close it.

    👉 quiz.wealthwithoutwallstreet.com

    👥 Join Our Free Community

    Swap deals and lessons with 10,000+ investors doing this right now

    👉 http://wealthwithoutwallstreet.com/community

    😡 Paying $250K+ in taxes? Stop the bleed.

    Apply for the next Tax Strategy Intensive and keep more of what you earn.

    👉 wealthwithoutwallstreet.com/tax

    📘 The book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    👉 wealthwithoutwallstreet.com/newbook

    📸 Daily plays on Instagram @wealthwithoutwallst

    ▶️ Watch on YouTube https://www.youtube.com/@WealthWithoutWallStreet?sub_confirmation=1

    📧 Subscribe on Substack https://wealthwithoutwallstreet.substack.com/


    Round Table | Your Infinite Banking Success Has Almost Nothing to Do With the Company You Pick Jan 13, 2026
    Show notes

    Many people believe their success with Infinite Banking hinges on choosing the perfect insurance company. In today's discussion, the financial coaches challenge that assumption head-on and explain why it’s usually the wrong place to focus.

    The conversation breaks down a critical truth about Infinite Banking. The coaches explain why no policy, carrier, or illustration can replace disciplined cash-flow management, investor behavior, and intentional decision-making. Without those fundamentals, even a well-designed policy falls short of its potential.

    Listeners will hear real-world examples showing how access to cash, personal involvement, and repeatable systems matter far more than carrier selection. The conversation also highlights common mistakes people make when starting to implement the infinite banking concept.

    Ultimately, this episode reframes Infinite Banking as a long-term operating system for building passive income and legacy wealth. For investors seeking clarity, control, and scalability, this conversation outlines which actions drive results.

    Top three things you will learn:

    -Infinite banking success is driven by cash flow, behavior, and process, not the insurance company

    -Systems and consistent execution matter more than choosing the “perfect” product

    -The biggest mistakes that quietly sabotage infinite banking and how to prevent them

    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.

    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.

    The hosts may have a financial interest in the programs or services mentioned in this episode.

    💸 Build a Passive Income Machine in 3 Steps

    Stop trading hours for dollars and start building wealth the way the wealthy actually do 👇

    🧬 Step 1 – Find out what kind of investor you actually are

    There are no good or bad investments, only good or bad investors. Take the Investor DNA assessment and get your investor type, your personal buy box, and the top 2 passive income streams that fit how you’re wired, plus the first move to make this week.

    👉 http://wealthwithoutwallstreet.com/investor-dna

    👀 Step 2 – Learn the system in 12 minutes (free)

    In 12 minutes flat, see the Infinite Banking Concept that took Russ and Joey past $50,000/month in passive income: how to recycle the dollars you’re already spending and make them work twice, so the same money funds your life and buys your assets.

    👉 https://apply.wealthwithoutwallstreet.com/

    📈 Step 3 – Build Your Passive Income Machine

    We didn’t inherit this. Russ and Joey built the system themselves and now collect over $50,000/month in passive income. Inside the Passive Income Lab, we hand you that exact system and work with you 1-on-1 for 12 weeks to install it: your Freedom Number, your Family Bank, and a real deal pipeline in the next 90 days.

    👉 http://choosePassiveIncome.com

    More free ways to grow your wealth

    📊 Take the Financial Freedom Analyzer

    Two minutes to see your Freedom Number, your current gap, and what has to change to close it.

    👉 quiz.wealthwithoutwallstreet.com

    👥 Join Our Free Community

    Swap deals and lessons with 10,000+ investors doing this right now

    👉 http://wealthwithoutwallstreet.com/community

    😡 Paying $250K+ in taxes? Stop the bleed.

    Apply for the next Tax Strategy Intensive and keep more of what you earn.

    👉 wealthwithoutwallstreet.com/tax

    📘 The book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    👉 wealthwithoutwallstreet.com/newbook

    📸 Daily plays on Instagram @wealthwithoutwallst

    ▶️ Watch on YouTube https://www.youtube.com/@WealthWithoutWallStreet?sub_confirmation=1

    📧 Subscribe on Substack https://wealthwithoutwallstreet.substack.com/


    Why “Boring” Businesses Are Making Millionaires with Jon Ostenson Jan 08, 2026
    Show notes

    Are you looking for a path to business ownership? In this episode, franchise expert Jon Ostenson joins Russ and Joey to discuss why franchising, especially non-food franchising, is a great path for investors looking to achieve business ownership and financial freedom.

    With years of corporate leadership experience, Jon discusses his transition into franchising and offers insights for aspiring investors on aligning their goals with the right franchise model. He explains the mindset shift required to move from employee to entrepreneur and how franchising provides a reliable, scalable income stream. From leveraging SBA loans to navigating AI trends, Jon offers key strategies for success in franchising.

    Whether you’re interested in purchasing a new franchise or exploring resales, this episode offers insights on turning business ownership into long-term wealth.

    Top three things you will learn:

    -How non-food franchising offers a viable path to business ownership, wealth-building, and financial freedom

    -Identifying and investing in franchises with strong potential

    -How franchise ownership can lead to passive income and create long-term wealth

    About Our Guest:

    Jon Ostenson is among the top 1% of Franchise Consultants in the US and is the founder of FranBridge Consulting. He is a multi-brand franchisee himself, and along with his business partners, Jon has great operators leading these ventures. As a result, he can devote over 90% of his time to helping others achieve their dreams of freedom and wealth building through business ownership. Jon lives in Atlanta (GA) with his wife, Jenny, and their three children.

    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.

    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.

    The hosts may have a financial interest in the programs or services mentioned in this episode.

    Connect with Jon Ostenson:

    -Website - https://franbridgeconsulting.com/

    💸 Build a Passive Income Machine in 3 Steps

    Stop trading hours for dollars and start building wealth the way the wealthy actually do 👇

    🧬 Step 1 – Find out what kind of investor you actually are

    There are no good or bad investments, only good or bad investors. Take the Investor DNA assessment and get your investor type, your personal buy box, and the top 2 passive income streams that fit how you’re wired, plus the first move to make this week.

    👉 http://wealthwithoutwallstreet.com/investor-dna

    👀 Step 2 – Learn the system in 12 minutes (free)

    In 12 minutes flat, see the Infinite Banking Concept that took Russ and Joey past $50,000/month in passive income: how to recycle the dollars you’re already spending and make them work twice, so the same money funds your life and buys your assets.

    👉 https://apply.wealthwithoutwallstreet.com/

    📈 Step 3 – Build Your Passive Income Machine

    We didn’t inherit this. Russ and Joey built the system themselves and now collect over $50,000/month in passive income. Inside the Passive Income Lab, we hand you that exact system and work with you 1-on-1 for 12 weeks to install it: your Freedom Number, your Family Bank, and a real deal pipeline in the next 90 days.

    👉 http://choosePassiveIncome.com

    More free ways to grow your wealth

    📊 Take the Financial Freedom Analyzer

    Two minutes to see your Freedom Number, your current gap, and what has to change to close it.

    👉 quiz.wealthwithoutwallstreet.com

    👥 Join Our Free Community

    Swap deals and lessons with 10,000+ investors doing this right now

    👉 http://wealthwithoutwallstreet.com/community

    😡 Paying $250K+ in taxes? Stop the bleed.

    Apply for the next Tax Strategy Intensive and keep more of what you earn.

    👉 wealthwithoutwallstreet.com/tax

    📘 The book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    👉 wealthwithoutwallstreet.com/newbook

    📸 Daily plays on Instagram @wealthwithoutwallst

    ▶️ Watch on YouTube https://www.youtube.com/@WealthWithoutWallStreet?sub_confirmation=1

    📧 Subscribe on Substack https://wealthwithoutwallstreet.substack.com/


    Round Table | The Beginner Investor’s Roadmap: Where to Start, What to Avoid, and How to Win Jan 06, 2026
    Show notes

    Starting your investment journey can be overwhelming, but it doesn’t have to be. Learn the mindset shifts and practical steps to avoid common beginner mistakes and start winning in investing.

    In today's conversation, the financial coaches discuss the mindset and strategies beginner investors need to develop to succeed in different investment avenues. They break down the critical first steps for anyone looking to get started, how to evaluate deals, and the common pitfalls that can derail new investors. The coaches share insights into the importance of having a clear investment strategy, understanding your investor DNA, and the role of whole life insurance in building wealth.

    Listeners will learn how to build a strong foundation for sustainable success while avoiding the distractions that many beginners fall for. This episode provides a roadmap for making informed decisions, turning passive income into reality, and building wealth with confidence.

    Top three things you will learn:

    -Common mistakes that beginners make when starting to invest

    -Essential strategies for making your first investment successful

    -The best ways to evaluate deals and build a profitable portfolio

    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.

    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.

    The hosts may have a financial interest in the programs or services mentioned in this episode.

    💸 Build a Passive Income Machine in 3 Steps

    Stop trading hours for dollars and start building wealth the way the wealthy actually do 👇

    🧬 Step 1 – Find out what kind of investor you actually are

    There are no good or bad investments, only good or bad investors. Take the Investor DNA assessment and get your investor type, your personal buy box, and the top 2 passive income streams that fit how you’re wired, plus the first move to make this week.

    👉 http://wealthwithoutwallstreet.com/investor-dna

    👀 Step 2 – Learn the system in 12 minutes (free)

    In 12 minutes flat, see the Infinite Banking Concept that took Russ and Joey past $50,000/month in passive income: how to recycle the dollars you’re already spending and make them work twice, so the same money funds your life and buys your assets.

    👉 https://apply.wealthwithoutwallstreet.com/

    📈 Step 3 – Build Your Passive Income Machine

    We didn’t inherit this. Russ and Joey built the system themselves and now collect over $50,000/month in passive income. Inside the Passive Income Lab, we hand you that exact system and work with you 1-on-1 for 12 weeks to install it: your Freedom Number, your Family Bank, and a real deal pipeline in the next 90 days.

    👉 http://choosePassiveIncome.com

    More free ways to grow your wealth

    📊 Take the Financial Freedom Analyzer

    Two minutes to see your Freedom Number, your current gap, and what has to change to close it.

    👉 quiz.wealthwithoutwallstreet.com

    👥 Join Our Free Community

    Swap deals and lessons with 10,000+ investors doing this right now

    👉 http://wealthwithoutwallstreet.com/community

    😡 Paying $250K+ in taxes? Stop the bleed.

    Apply for the next Tax Strategy Intensive and keep more of what you earn.

    👉 wealthwithoutwallstreet.com/tax

    📘 The book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    👉 wealthwithoutwallstreet.com/newbook

    📸 Daily plays on Instagram @wealthwithoutwallst

    ▶️ Watch on YouTube https://www.youtube.com/@WealthWithoutWallStreet?sub_confirmation=1

    📧 Subscribe on Substack https://wealthwithoutwallstreet.substack.com/


    K-Shaped Economy: Why Markets Keep Rising While the Economy Feels Broken Jan 01, 2026
    Show notes

    The economy looks strong on paper, but why does it feel harder than ever to get ahead? The answer may explain who wins and who falls behind next. In this November 2025 Passive Income Report, Russ and Joey break down the growing reality of the K-shaped economy, where markets continue to rise while everyday earners feel increasingly squeezed. They explain why inflation punishes wage earners but rewards asset owners, and how this widening gap is reshaping financial outcomes across households.

    The conversation explores how debt–when used strategically–can be a powerful tool during inflationary periods, while aggressively paying it off may limit opportunities and liquidity. Using real-world examples from their passive income portfolio, the hosts show how stacking small, consistent income streams can outperform chasing risky “home run” investments.

    Listeners also learn why mindset and systems matter more than hustle, how cash flow creates insulation from economic volatility, and why becoming an intentional investor is essential in today’s environment.

    This episode offers a clear framework for navigating uncertainty, understanding where you sit in the economy, and taking practical steps to move to the winning side of the curve.

    Top three things you will learn:

    -Understanding the K-shaped economy

    -How inflation and debt interplay

    -Strategies for thriving in a K-shaped economy

    November 2025 Income At-A-Glance:

    -Gross Income for November: $55,826.80

    -Total Expenses for November: $14,797.90

    -Total Net Profit for November: $41,028.90

    -Difference b/t October & November: ($6,994.69)

    -% of net profit to overall gross revenue: 73%

    Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.

    This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.

    The hosts may have a financial interest in the programs or services mentioned in this episode.

    💸 Build a Passive Income Machine in 3 Steps

    Stop trading hours for dollars and start building wealth the way the wealthy actually do 👇

    🧬 Step 1 – Find out what kind of investor you actually are

    There are no good or bad investments, only good or bad investors. Take the Investor DNA assessment and get your investor type, your personal buy box, and the top 2 passive income streams that fit how you’re wired, plus the first move to make this week.

    👉 http://wealthwithoutwallstreet.com/investor-dna

    👀 Step 2 – Learn the system in 12 minutes (free)

    In 12 minutes flat, see the Infinite Banking Concept that took Russ and Joey past $50,000/month in passive income: how to recycle the dollars you’re already spending and make them work twice, so the same money funds your life and buys your assets.

    👉 https://apply.wealthwithoutwallstreet.com/

    📈 Step 3 – Build Your Passive Income Machine

    We didn’t inherit this. Russ and Joey built the system themselves and now collect over $50,000/month in passive income. Inside the Passive Income Lab, we hand you that exact system and work with you 1-on-1 for 12 weeks to install it: your Freedom Number, your Family Bank, and a real deal pipeline in the next 90 days.

    👉 http://choosePassiveIncome.com

    More free ways to grow your wealth

    📊 Take the Financial Freedom Analyzer

    Two minutes to see your Freedom Number, your current gap, and what has to change to close it.

    👉 quiz.wealthwithoutwallstreet.com

    👥 Join Our Free Community

    Swap deals and lessons with 10,000+ investors doing this right now

    👉 http://wealthwithoutwallstreet.com/community

    😡 Paying $250K+ in taxes? Stop the bleed.

    Apply for the next Tax Strategy Intensive and keep more of what you earn.

    👉 wealthwithoutwallstreet.com/tax

    📘 The book: Wealth Without Wall Street: 3 Steps to Freedom Through Passive Income

    👉 wealthwithoutwallstreet.com/newbook

    📸 Daily plays on Instagram @wealthwithoutwallst

    ▶️ Watch on YouTube https://www.youtube.com/@WealthWithoutWallStreet?sub_confirmation=1

    📧 Subscribe on Substack https://wealthwithoutwallstreet.substack.com/


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