Legacy Life and Retirement

Shawn King
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Legacy Life and Retirement is about building a financial life centered around cash flow, control, liquidity and long-term wealth. Hosted by Infinite Banking practitioner Shawn King, the show explores Infinite Banking, Income Stacking, retirement income, investing, annuities, tax strategy and legacy planning—helping everyday families build financial systems designed to create more freedom today without sacrificing tomorrow. To learn more check out our website at LegacyLifeandRetirement.com

  1. 2d ago

    Episode #138 Revocable Living Trusts Explained | Everything Your Family Needs to Know

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about Legacy Lock / Schedule an Intro Call: (Click Here) Visit my website by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠⁠⁠ In this episode, I sit down with Jereme Roodhouse from Legacy Lock for a complete breakdown of revocable living trusts and how they fit into a family’s overall estate and legacy plan. We cover the difference between a will and a trust, how a trust can help avoid probate, what assets should actually be connected to your trust, how beneficiary designations work with life insurance and retirement accounts, and what happens when minor children inherit money. We also discuss successor trustees, protecting inheritances, updating your estate plan as life changes, and one of the biggest mistakes families make: creating a trust but never properly aligning their assets with it. If you’ve built wealth, own life insurance, have children, own property, or simply want more control over what happens to everything you’ve worked for, this is a conversation worth watching. This episode is for educational purposes only and is not legal or tax advice. Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Access all of our free resources & additional Infinite Banking info ⁠⁠⁠(Click Here)⁠⁠⁠ Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠ 📧 Email Shawn@Legacylifeandretirement.com Phone 602-689-2606

  2. Oct 21

    Episode #137 Why Whole Life Insurance? The Foundation of Infinite Banking

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠⁠⁠ Why use whole life insurance as the foundation of an Infinite Banking system? In this episode, I break down the five jobs a properly designed dividend-paying whole life policy can perform at the same time: protection, guarantees, liquidity, control, and legacy. We’ll also discuss why whole life isn’t meant to compete with your investments. Its job is to create a strong financial foundation underneath them, giving you greater flexibility and control over how you save, invest, finance, and build wealth. Before chasing returns, make sure you’ve built a foundation strong enough to support everything that comes next. [EPISODE 128 LINK] Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Access all of our free resources & additional Infinite Banking info ⁠⁠(Click Here)⁠⁠ Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠ 📧 Email Shawn@Legacylifeandretirement.com Phone 602-689-2606

    Episode #137 Why Whole Life Insurance? The Foundation of Infinite Banking

  3. Oct 14

    Episode #136 Learn The Basics of IBC in 20 Minutes

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠⁠⁠ In this video, I walk you through the big-picture mechanics of whole life insurance and the Infinite Banking process, including how cash value builds, how policy loans work, and how we use the policy as part of your family banking system.We’ll also walk through two examples, financing a vehicle and using policy capital for an investment, so you can see how money can flow from your policy, through your segregated bank account, and eventually back into your banking system.The goal is not simply to own a whole life policy. The goal is to build a repeatable process around liquidity, control, recapturing capital, and giving every dollar a job.If some of this feels new, don’t worry. We’ll continue working through these concepts together during our coaching meetings as your banking system grows. Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Access all of our free resources & additional Infinite Banking info ⁠(Click Here)⁠ Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠ 📧 Email Shawn@Legacylifeandretirement.com Phone 602-689-2606

    Episode #136 Learn The Basics of IBC in 20 Minutes

  4. Oct 7

    Episode #135 Is The First Lien HELOC Right For You And Does It Work With IBC?

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠⁠⁠ Jayson Cahill is back to break down exactly how a first-lien HELOC works and why more homeowners are using it as an alternative to a traditional 30-year mortgage. We cover how the strategy uses your monthly cash flow to reduce interest and accelerate your mortgage payoff while still keeping access to your home equity. We also compare first-lien HELOCs with traditional mortgages and second-lien HELOCs, including who this strategy may and may not be a good fit for. Jayson and I also walk through how Amanda and I combine our first-lien HELOC with our Infinite Banking system and investments to keep our capital moving and maintain greater control over our cash flow. The goal isn’t simply to pay off your house faster. It’s to understand how to use your equity and cash flow more efficiently. For personalized information about the First Lien Heloc contact Jayson Cahill here: https://linktr.ee/firstlienheloc Read Jayson's First Lien Heloc posts here: https://firstlienheloc.beehiiv.com/ Start here to learn about credit card strategies and contact Lara Cahill: ⁠https://summitnavigator.com/⁠ Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Access all of our free resources & additional Infinite Banking info (Click Here) Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠(Click Here) 📧 EmailShawn@Legacylifeandretirement.com Jayson Cahill is a licenced First Lien Heloc Loan Originator w/ NMLS #497108 Important Disclosure This content is provided for educational purposes only and reflects our personal opinions, observations, and experience.  Examples presented are illustrative and should not be considered guarantees of future results or performance. This is not financial, tax, legal, accounting, or investment advice.  Every situation is unique and strategies discussed may not be suitable for all individuals. Qualification requirements, lending guidelines, rates, fees, and program availability are subject to change.

    Episode #135 Is The First Lien HELOC Right For You And Does It Work With IBC?

  5. Sep 30

    Episode #134 Is This The Perfect Way To Combine Whole Life With Investing?

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠⁠ In this episode, I sit down with Ro Punyani to break down how someone who has spent decades professionally managing money actually builds his own family’s wealth. We discuss why Ro says he would start with whole life insurance before stocks if he could do it all over again, how he pairs that foundation with ETFs and dividend-growth investing, and why cash flow has become such a major part of his strategy. We also cover policy loans, dividend growth, portfolio construction, annuities, risk, and why he believes the strongest wealth plan isn’t about choosing between insurance and the market, it’s about understanding how they can work together. Check out The Owner’s Asset CPA Guidebook here: ⁠(Click Here)⁠ Or Connect with Ro at https://ownersasset.com/ Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow our Low Stress Trading Journey: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ 👇 Book a Free Call with Legacy Lock to Learn More about Trusts → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📥 Download the FREE Legacy Builder Outline → ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Download the FREE Budget Template → ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ 7 Simple Steps to Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Infinite Banking Guide: ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📚 Purchase a copy of Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ All Social Media & Podcast Links ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📧 Email Shawn@Legacylifeandretirement.com

    Episode #134 Is This The Perfect Way To Combine Whole Life With Investing?

  6. Sep 23

    Episode #133 We've Been Trading Options for 6 Months... Here Are Our Real Results and Weekly Income

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠ Six months ago, Amanda and I knew nothing about options trading. We started with a $10,000 policy loan, slowly added capital, and today our trading account is around $100,000 and producing roughly $3,000 to $3,500 per month. In this episode, we break down our actual six-month results, what happens when trades get assigned, how our strategy has become more conservative, and why we've shifted from chasing 1% per week toward something closer to 0.5%–0.7%. We also explain how we're using our whole life policies and HELOC alongside the trading account as we work toward a $200,000 portfolio. This is our real experience, including the wins, assigned positions, mistakes, and lessons we've learned along the way. Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow our Low Stress Trading Journey: ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ 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! 👇 Book a Free Call with Legacy Lock to Learn More about Trusts → ⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ 📥 Download the FREE Legacy Builder Outline → ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Download the FREE Budget Template → ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ 7 Simple Steps to Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ The Infinite Banking Guide: ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ 📚 Purchase a copy of Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ All Social Media & Podcast Links ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ 📧 Email Shawn@Legacylifeandretirement.com

    Episode #133 We've Been Trading Options for 6 Months... Here Are Our Real Results and Weekly Income

  7. Sep 16

    Episode #132 We Used Policy Loans To Build $6500/Month In Passive Income

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠⁠⁠ Amanda and I break down exactly how we've built roughly $6,500 a month in passive to semi-passive income through real estate, YouTube, coaching, options trading, dividends, and other investments. We share what’s working, how we’ve used our Infinite Banking system to help fund some of these income streams, and the investments that have gone completely sideways. More importantly, we explain why our focus has shifted away from simply building the biggest possible nest egg and toward creating reliable cash flow, liquidity, and control. At $6,500 a month, we're generating roughly $78,000 a year. To produce that same amount using a 4% withdrawal strategy would require about $1.95 million. We don’t have anywhere near that, which is exactly why cash flow has become such a major focus for us. This episode is about the real wealth-building journey, the wins, the mistakes, finding your investment DNA, and understanding why return OF capital can sometimes matter more than return ON capital. Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ Follow our Low Stress Trading Journey: ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠⁠ Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ 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! 👇 Book a Free Call with Legacy Lock to Learn More about Trusts → ⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ 📥 Download the FREE Legacy Builder Outline → ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Download the FREE Budget Template → ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ 7 Simple Steps to Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ The Infinite Banking Guide: ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ 📚 Purchase a copy of Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ All Social Media & Podcast Links ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ 📧 Email Shawn@Legacylifeandretirement.com

    Episode #132 We Used Policy Loans To Build $6500/Month In Passive Income

  8. Sep 9

    Episode #131 Everything You Need To Know About Policy Loans & Interest

    Book a Free IBC Consultation Call ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠ Visit my website by ⁠⁠⁠⁠⁠(Clicking Here)⁠⁠⁠⁠ Learn how we create income from anywhere in the world by earning 1% a week compounded on our money. Believe me we are normal everyday people, if we can do this you can too ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ Follow our Low Stress Trading Journey: ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠⁠ 📞 Book a call to talk about LSO with us: ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ Why would anyone borrow against a whole life insurance policy at 5% when a bank might offer financing at 2.9%? In this deep-dive episode of The Cashflow Chronicles, I break down policy loans versus traditional bank loans and explain why comparing financing based only on the advertised interest rate can completely miss the bigger picture. We cover how policy loans actually work, why you are not borrowing your own money, how your cash value serves as collateral, and why policy loans generally do not require traditional credit underwriting, hard credit inquiries, or a conventional amortization schedule. I also explain the difference between policy loan interest charged in advance versus arrears, how principal repayments can reduce your total interest cost, what happens at your policy anniversary, why I recommend paying policy loan interest out of pocket, and how unpaid interest can eventually cause a policy loan to snowball. Then we go deeper into Nelson Nash’s ideas of being an honest banker and understanding that you finance everything you buy. We compare policy loans with credit cards, personal loans, auto financing, and paying cash, including the opportunity cost most people completely ignore. Most importantly, this is not an argument that policy loans are always better than bank loans. If someone offers you 2.9% financing and the overall terms make sense, take it. Infinite Banking is about having options and understanding who controls the financing relationship. The real questions are: Who controls repayment? What collateral is required? How does the loan affect your liquidity? What happens to your credit? What is the opportunity cost? What happens if your cash flow changes? And what asset is sitting behind the financing? Because if the only thing you understand about a loan is its interest rate, you probably don’t understand the loan yet. Stop comparing interest rates. Start comparing systems. Order A Copy of my New Book: ⁠⁠⁠⁠⁠⁠⁠From Regular To Rich ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ 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: ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ 👇 Book a Free Call with Legacy Lock to Learn More about Trusts → ⁠⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ 📥 Download the FREE Legacy Builder Outline → ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ ⁠⁠Download the FREE Budget Template → ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ 7 Simple Steps to Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ The Infinite Banking Guide: ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ 📚 Purchase a copy of Becoming Your Own Banker: ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ All Social Media & Podcast Links ⁠⁠⁠⁠⁠⁠(Click Here)⁠⁠⁠⁠⁠⁠ 📧 Email Shawn@Legacylifeandretirement.com

    Episode #131 Everything You Need To Know About Policy Loans & Interest
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Legacy Life and Retirement is about building a financial life centered around cash flow, control, liquidity and long-term wealth. Hosted by Infinite Banking practitioner Shawn King, the show explores Infinite Banking, Income Stacking, retirement income, investing, annuities, tax strategy and legacy planning—helping everyday families build financial systems designed to create more freedom today without sacrificing tomorrow. To learn more check out our website at LegacyLifeandRetirement.com

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