Generational Growth with Austin Johnson

Austin Johnson
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Generational Growth is a podcast about entrepreneurship, investing, and building wealth with purpose. Hosted by former Army West Point officer, investor, and jiujitsu brown belt, Austin Johnson, the show documents his journey building a mission driven wealth focused on authentic relationships and giving investors turnkey access to a trusted wealth building team. At a time when distrust in corporations and governments is at an all-time high, this podcast is built on one core belief: people will save people — with a mission centered around supporting jiujitsu & disabled communities

  1. 5d ago

    After the Military, Who Has Your Back? | Frank Yeager

    Leaving the military can mean losing the team, structure, and everyday support you relied on. How do you rebuild that support while deciding what comes next? Frank Yeager, co-founder of the Veteran-Owned Business Network, joins Austin Johnson to discuss veteran entrepreneurship, meaningful connection, and the gap between a resource existing and someone actually getting help. Frank shares the thinking behind VOB's directory and business incubator, along with his vision for local squads built around support and accountability. The conversation also connects veteran business ownership with accessibility, aging in place, and the need to coordinate financial and estate-planning conversations around the people they are meant to support. For veterans, business owners, and families, the common thread is building a team and a plan rather than trying to solve every problem alone. CHAPTERS 0:00 Why Frank started VOB Network 2:39 The veteran-support gap that motivated him 4:51 Connecting financial goals to community impact 8:11 Starting a nonprofit takes more than paperwork 10:49 How the network began growing 12:05 Military transition and the business incubator 16:23 Trust, belonging, and finding your people 19:00 Connecting the networks and resources already out there 22:25 Local squads and accountability after service 25:41 Accessibility and aging in place 31:14 Family-office thinking for everyday families 32:27 Whole life and family-capital concepts 35:35 Aging parents and fragmented family resources 39:11 Why Austin changed his financial approach 41:12 Books, financial history, and the 2008 discussion 43:36 Commercial real estate and market uncertainty 46:00 Liquidity and the policy-loan discussion 50:59 Connect with Frank and VOB Network GENERATIONAL GROWTH Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here:https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here:https://www.generationalgrowthco.com/... Learn more about Generational Growth:https://www.generationalgrowthco.com/ CONNECT WITH FRANK Veteran-Owned Business Network:https://vobnetwork.org/ Frank Yeager on LinkedIn:  / frank-yeager-2508ab2a   DISCLAIMER For educational and informational purposes only; not individualized financial, investment, insurance, tax, legal, benefits, or medical advice. Views and examples reflect the speakers' experiences and opinions. No funding award, investment return, or insurance benefit multiple is guaranteed. Insurance guarantees are contract-specific; policy loans accrue interest and can reduce available value and death benefits. Tax, probate, creditor-protection, and Medicaid rules depend on individual facts and applicable law. Peer support does not replace licensed mental health care. Consult qualified professionals about your circumstances.

  2. Oct 25

    Buying Rentals With Limited Cash: The Work Behind the Deals | Britton Eads

    Getting into rental real estate with limited cash can mean bringing more time, renovation work, and financing partners to the deal. But what happens when the property needs repairs you did not anticipate? Britton Eads joins Austin Johnson to share his path from working in his family's fencing business to buying and renovating small multifamily rentals. Starting with his account of a $70,000 duplex, Britton walks through family funding, private money, refinancing, and the work behind his acquisitions. We discuss finding properties on Zillow, doing renovations yourself versus hiring a crew, and why the income you want from real estate should connect to the life you want outside it. Britton also shares the inspection lessons he would give his younger self, while Austin explains how working with a team changed his own approach. This is a conversation about capital, due diligence, and the tradeoffs behind a growing rental portfolio, not a shortcut to effortless passive income. CHAPTERS 0:00 From fencing to the first duplex 2:18 Education and the first down payment 3:44 The FHA fourplex and paying for a community 6:01 Funding seven units with private money 8:22 Why family time mattered more than more work 9:18 Finding rental deals on Zillow 11:42 DIY renovations versus hiring a crew 14:26 Using refinancing to fund the next deal 17:59 Cash flow and the reinvestment plan 19:03 YouTube views versus the right audience 21:11 Building a business beyond hands-on rehabs 23:39 Inspections and repairs he did not anticipate 26:43 Turnkey markets and working with a team 28:55 Cash flow, appreciation, and debt paydown 32:04 Capital allocation and market uncertainty 36:02 Connect with Britton and closing GENERATIONAL GROWTH Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here:https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here:https://www.generationalgrowthco.com/... Learn more about Generational Growth:https://www.generationalgrowthco.com/ CONNECT WITH BRITTON Britton Eads on YouTube:   / @brittoneads   DISCLAIMER For educational and informational purposes only; not individualized financial, investment, insurance, tax, legal, or lending advice. Guest experiences and figures are self-reported and may be approximate. Refinancing proceeds are borrowed funds, not profit; refinancing depends on lender requirements and appraisals. Real estate involves repair, vacancy, financing, and loss risks. Cash flow, appreciation, refinancing, and investment returns are not guaranteed. Insurance products are subject to underwriting and policy terms. Consult qualified professionals about your circumstances.

  3. Oct 23

    Family Office Thinking for Middle-Class Families | Greg Junge

    What can a middle-class family take from a family-office approach to wealth? Start with a question that belongs at every income level: what are we building, and are we preparing our family to carry it forward? Greg Junge, founder of Money Mindset Academy and author of Teen Money Mindset, joins Austin Johnson for a conversation connecting family wealth, family-office thinking, and financial education at home. The useful connection is scale. A household does not need the staffing or complexity of a formal family office to become more intentional about shared goals, financial decisions, and the lessons children learn about money. For a working family, that can begin with regular conversations about priorities, spending, saving, and giving, with room for questions and age-appropriate participation. Greg’s financial-education work brings the next generation into that picture. Building family wealth means thinking about the knowledge, judgment, and values that accompany the assets, not just the amount that might eventually be passed down. For parents, employees, and business owners, the question is practical: how can your family’s everyday money conversations support the future you want to build together? CONNECT WITH GREG Greg Junge on LinkedIn:  / gregjunge   Teen Money Mindset:https://www.moneymindsetacademy.com/teen Parent Money Mindset:https://www.moneymindsetacademy.com/p... Money Mindset Academy and Family Resources:https://www.moneymindsetacademy.com/ GENERATIONAL GROWTH Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here:https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here:https://www.generationalgrowthco.com/... Learn more about Generational Growth:https://www.generationalgrowthco.com/ DISCLAIMER For educational and informational purposes only; not individualized financial, investment, insurance, tax, or legal advice. A family-office mindset refers here to principles of organization, communication, and long-term planning, not a recommendation to establish a formal family office. Financial decisions depend on individual circumstances; no outcomes are guaranteed. Insurance products are subject to underwriting and policy terms.

  4. Oct 20

    From Duplexes to Apartments: Scaling Without Skipping Steps | Mitchell Hosford

    Scaling from duplexes to apartment buildings takes more than finding the next deal. What needs to grow with your portfolio: your capital, your team, or your experience as an operator? Mitchell Hosford, managing partner at Ironwood Capital Holdings, joins Austin Johnson to share his path from a first duplex to larger multifamily properties. We discuss the mentor who introduced him to a local team, managing Mississippi rentals while living in Italy, learning when a rule of thumb is not enough, and building the operating experience to take on bigger buildings. The conversation also gets into what the work is for: teaching kids about money through everyday involvement, helping residents through a setback, and building a business around the life you want to live.IN THIS EPISODE Moving from small rentals into apartment buildingsFinding mentors, partners, and a property-management teamUnderstanding the limits of the 1% rule and discussing DSCRBuilding systems for out-of-state ownership and future growthConnecting family, resident care, and long-term investing CHAPTERS 0:00 From duplexes to apartment buildings 0:42 Financial education starts at home 3:05 Teaching kids through everyday ownership 7:11 Financial education: home and school 11:24 Giving back and passing down the ladder 13:45 Helping a tenant get back on track 17:34 Army service and a real estate mentor 19:49 The first duplex and the move into apartments 22:45 Building the local real estate team 24:03 The first duplex: purchase, down payment, and sale 25:17 Off-market duplexes and value-add work 27:23 Managing Mississippi rentals from Italy 30:41 Military mentorship and personal finance 37:58 When the 1% rule helps and when it does not 40:41 DSCR and how financing changes the deal 42:27 Scaling through operating experience 44:54 Building systems around the life you want 47:42 Allocating capital around goals and risk 51:39 When an opportunity tests your allocations 53:31 Patience and the long game 54:40 Connect with Mitchell and closing NEXT STEPS WITH GENERATIONAL GROWTH Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here: https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here: https://www.generationalgrowthco.com/... Learn more about Generational Growth: https://www.generationalgrowthco.com/ CONNECT WITH MITCHELL Ironwood Capital Holdings: https://ironwoodcapitalholdings.co/ Mitchell on LinkedIn:   / mitchell-hosford-cpa-84662b76   WATCH NEXT Turnkey Real Estate for W2 Investors: Whole Life, Taxes & Scale | Shannon Sidney   • Turnkey Real Estate for W2 Investors: Whol...   Financial Freedom Is Only Level One | Omni Casey   • Financial Freedom Is Only Level One | Omni...   DISCLAIMER For educational and informational purposes only; not individualized financial, investment, insurance, tax, or legal advice, or an offer to buy or sell securities. Personal examples and reported results are not independently audited and do not guarantee future outcomes. Real estate and private lending involve risk, including loss of principal. Rules of thumb do not establish cash flow, loan eligibility, or suitability; financing terms vary. Policy loans accrue interest and can reduce available policy values and death benefits. Insurance is subject to underwriting and policy terms. Consult qualified professionals about your circumstances.

  5. Oct 15

    Maxed Your 401(k)? Pension Plans for Business Owners | Brent Henningson

    A maxed-out 401(k) may not be the end of the retirement-planning conversation for a profitable business owner. But a larger deduction comes with funding obligations that the business needs to understand. Brent Henningson, founder of Saber Pension & Actuarial Services, joins Austin Johnson to explain traditional defined benefit pensions, cash balance plans, and how they can work alongside a solo 401(k). Brent specializes in owner-only and owner-spouse businesses and explains why a cash balance plan is not automatically the right design for every owner. We discuss age, compensation, contribution capacity, investment choices, CPA coordination, and the risk of relying on next year's profits to fund this year's commitment. Brent also shares why he keeps his firm small and how he uses a pension plan in his own retirement strategy. IN THIS EPISODE When to look beyond a 401(k) or SEPCash balance and traditional pensions: two types of defined benefit planHow age, compensation, employees, and business history affect designWhy a big contribution is not the same as a big tax refundWhat happens when income falls after a plan is establishedW-2 physician versus business-owner eligibilityThe value of an actuary and CPA working together CHAPTERS 0:00 Intro 1:05 Meet Brent Henningson of Saber Pension 2:47 Why small-business pensions are different 4:39 Why large employers moved away from pensions 6:53 Start with a 401(k) or SEP 9:44 Pairing a pension with a solo 401(k) 10:44 Cash balance vs traditional pension plans 12:59 How age and business income affect plan fit 15:39 Choosing investments inside a pension plan 19:47 Whole life inside a plan: questions and tradeoffs 23:46 Large deductions and the front-loading example 27:10 What happens when business income drops? 30:58 Fund contributions with current profits 31:50 Why Brent keeps his firm small 35:12 What the first plan-design conversation covers 37:12 Coordinating with your CPA 40:02 S-corporation wages and plan contributions 41:05 Building a business through referrals 44:55 Retirement questions for high-income physicians 46:53 W-2 vs 1099: eligibility and tradeoffs 48:44 Roth and real estate questions beyond Brent's niche 50:29 How Brent saves for his own retirement 52:35 Final thoughts and how to contact Brent 53:20 Closing WATCH NEXT Tax planning with Christina Merrill:    • The Tax Moves Business Owners Miss Before ...   Why profitable businesses run out of cash:    • Why Profitable Businesses Still Run Out of...   NEXT STEPS Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here: https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here: https://www.generationalgrowthco.com/... Learn more about Generational Growth: https://www.generationalgrowthco.com/ CONNECT WITH BRENT Saber Pension: https://saberpension.com/ Book a consultation with Brent: https://calendly.com/saberpension/30min Defined benefit and cash balance calculator: https://saberpension.com/defined-bene... LinkedIn:   / bhenningson   DISCLAIMER This content is educational and is not individualized financial, investment, tax, legal, insurance, or retirement-plan advice.

  6. Oct 13

    Rigan Machado on MACH5: Building the Future of Jiu-Jitsu

    Being great at jiu-jitsu does not automatically teach you how to run an academy. What helps a school keep its students, support its coaches, and give more people access to the mats? Rigan Machado, a ninth-degree Brazilian jiu-jitsu red belt, joins Austin Johnson, Larry Shealy, and High Street Jiu Jitsu's Jay Shellhammer to discuss his vision for MACH5: bringing experienced coaches, competitors, and academy owners together to share knowledge and help the next generation grow. We discuss the business behind an academy, student retention, kids programs, training camps, preserving jiu-jitsu's history, and earning rank with integrity. Rigan also reflects on his years as a competitor, teaching Hollywood actors, and why he enjoys life more today through helping other people. Austin connects the conversation to his own goal of giving back to jiu-jitsu and eventually giving away a gym. IN THIS EPISODE Why competition credentials alone do not build a lasting academyMACH5's vision for shared training, education, and business supportHelping independent schools while respecting their existing identityStudent retention, academy culture, and learning from experienced ownersPlans for athlete sponsorships and training access for kids who cannot afford itRigan's perspective on preparation, confidence, humility, and giving back CHAPTERS 0:00 Intro 1:18 Meet Rigan Machado, Larry Shealy, and Jay Shellhammer 2:28 Why Rigan is building MACH5 9:35 Why great grapplers still need business skills 11:48 Preserving jiu-jitsu's history 13:46 Helping grassroots academy owners 16:29 Freedom to train across teams 19:26 Bringing past champions back to the sport 23:38 What successful academies teach about retention 28:31 Athlete sponsorships and competition access 29:21 Scholarships for kids who cannot afford training 31:51 Austin's vision to give away a gym 32:25 Inside the Jiu-Jitsu in a Box concept 35:58 School independence and earning your belt 41:19 Building a culture students want to stay in 43:25 MACH5's planned kickoff and camps 44:31 Why Hollywood actors train with Rigan 46:04 Rigan's vision for his podcast 48:26 How Rigan changed after his competition years 50:06 Hard training, fear, and confidence 53:58 Rigan's message to coaches and students 55:15 Closing CLARIFICATION FROM LARRY SHEALY Larry clarified after recording that the business-resource program will not have one exclusive provider in every category. Some categories will offer two or three brands; others may have a sole-source provider, identified as such in the listings for Larry's academy, Team Rigan Machado, and MACH5. Watch Part 1 with Larry and Jay:    • Rigan Machado's Black Belt Explains Why Ji...   CONNECT WITH RIGAN AND MACH5 Rigan's Instagram:   / riganmachado   The Academy Beverly Hills: https://www.theacademybeverlyhills.com/ Team Rigan Machado: https://teamrigan.com/ Rigan Machado Brazilian Jiu-Jitsu Association: https://www.riganbjj.com/ MACH5 BJJ Union: https://www.mach5union.com/ CONNECT WITH LARRY Hendo BJJ: https://hendersonvillencjiujitsu.com/ Larry's Instagram:   / larry_shealy   CONNECT WITH JAYHigh Street Jiu Jitsu: https://www.highstreetjiujitsu.com/ NEXT STEPS WITH GENERATIONAL GROWTH Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here: https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here: https://www.generationalgrowthco.com/... Learn more about Generational Growth: https://www.generationalgrowthco.com/ DISCLAIMER This conversation is for educational and informational purposes only and does not constitute individualized financial, investment, insurance, tax, legal, or business advice.

  7. Oct 9

    His Card Was Declined. Then One Conversation Changed His Life | Aaron Chapman

    A declined debit card looked like rock bottom. Aaron Chapman now sees it as the moment that put him in the right place for one conversation that changed his career. In this episode of the Generational Growth Podcast, Aaron tells Austin Johnson how he went from working cattle, oil fields, mines, and heavy equipment to building a career in investment-property lending. He also shares the motorcycle crash that left him rebuilding his health, memory, credit, and finances, and why his definition of success now centers on faith, family, relationships, and creating systems the next generation can carry forward. Austin and Aaron also discuss focus, implementation, relationship-first business, long-term real estate leverage, whole life insurance, policy loans, family trusts, and starting with financial structures that match the size and needs of the family using them. IN THIS EPISODE Why Aaron now defines success by having his family and grandchildren closeThe declined-card moment that led to a life-changing conversationHow faith changed the way Aaron understood that setbackWhy entrepreneurship can feel like constant failure even while the business is succeedingHow quiet, focus, and implementation turn ideas into actionThe motorcycle crash that forced Aaron to rebuild his life and financesWhy Aaron puts relationships before transactionsThe questions he uses to start genuine conversationsHow his approach to real estate leverage changed after the crashHow Aaron used whole life insurance and policy loans in his own real estate strategyWhy families should build financial and legal systems in stages CHAPTERS 0:00 Intro 2:21 Meet Aaron Chapman 4:39 Redefining success around family 5:50 From cattle and oil fields to unemployment 7:06 The declined card and diaper coupon 9:04 The conversation that opened a new career 9:57 When a declined card became an answered prayer 11:55 Faith, timing, and hearing through the noise 14:26 Why entrepreneurship can feel like constant failure 15:31 Creating quiet and focus 16:21 Aaron's vision for a wilderness program 18:29 Listen, then implement 20:22 A client teaches Aaron from his own book 23:09 The motorcycle crash that changed everything 25:32 Building wealth without worshipping it 26:56 Learning mortgage lending deal by deal 28:08 Relationships before transactions 33:12 How Aaron starts a conversation 33:51 The stranger on a plane 37:45 From a shy kid to a master connector 41:40 Be interested, not transactional 45:49 Capital strategy before and after the crash 46:19 Why Aaron favors long-term fixed financing 47:21 Discovering whole life after the accident 47:53 Using policy loans alongside three property purchases 49:09 Family protection and generational systems 50:33 Communicating the whole life concept 52:41 Start small with entities and estate planning 55:26 Connect with Aaron 55:58 Closing NEXT STEPS Want to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here: https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here: https://www.generationalgrowthco.com/... Learn more about Generational Growth: https://www.generationalgrowthco.com/ CONNECT WITH AARON Website: https://aaronchapman.com/ Email: info@aaronchapman.com Books and artwork: https://quitjerkingoff.com/ REI Entity Vault: https://qjoentityvault.com/ DISCLAIMER This content is for general educational and informational purposes only and does not constitute individualized financial, investment, real estate, lending, legal, tax, accounting, estate-planning, or insurance advice.

  8. Oct 6

    The Tax Moves Business Owners Miss Before Year-End | Christina Merrill

    Tax preparation records what already happened. Tax planning gives business owners and real estate investors time to make better decisions before the year closes. In this Generational Growth webinar, Austin Johnson speaks with accounting professional Christina Merrill and real estate professional Baggio Saldivar about bookkeeping, entity selection, S-corporation considerations, commonly missed business expenses, year-round planning, whole life insurance, and 1031 exchanges. The central lesson is simple: your bookkeeper, accountant, tax professional, attorney, insurance professional, and real estate team need accurate information and enough time to work together. IN THIS EPISODE How LLCs, S corporations, and C corporations differ at a high levelThe practical difference between a bookkeeper, accountant, tax preparer, and tax plannerWhat monthly bookkeeping and account reconciliation actually involveWhy personal and business transactions should be kept separateHow to think about the cost and value of professional accounting supportWhy QBI, mileage, depreciation, and entity elections require individual analysisQuestions to ask before using whole life insurance as part of a capital strategyThe basic timing framework for a 1031 exchangeWhy tax planning should begin before the final weeks of the year CHAPTERS 0:00 Intro 1:54 Choosing an LLC, S corporation, or C corporation 7:45 Bookkeeper vs accountant vs tax planner 12:41 What monthly bookkeeping actually includes 17:58 What professional accounting support can cost 21:39 Depreciation and commonly missed business expenses 24:06 QBI, mileage, and vehicle-expense choices 29:50 When to stop doing the books yourself 33:58 When an S corporation may make sense 37:10 Late S elections and C-corporation tradeoffs 42:59 Tax considerations for W-2 earners 45:48 Christina's whole life and IBC perspective 50:38 Policy loans and tax considerations 52:14 1031 exchange basics 54:28 Why year-round tax planning matters 56:37 Can property-sale proceeds fund whole life? 58:16 Connect with Christina58:59 Closing NEXT STEPSWant to See If Properly Structured Whole Life Fits Your Capital Strategy? Book a Generational Growth call here: https://calendly.com/austin-generatio... Want to Learn How Privatized Banking, Policy Loans, and Real Estate Can Work Together? Start with the Generational Growth Vault here: https://www.generationalgrowthco.com/... Learn more about Generational Growth: https://www.generationalgrowthco.com/ CONNECT WITH CHRISTINA Website: https://coachchristina.com/ Email: christina@blueprintbookkeepingcoach.com DISCLAIMERThis content is for general educational and informational purposes only and does not constitute individualized tax, accounting, legal, financial, investment, real estate, lending, or insurance advice. Tax laws, limits, rates, filing requirements, entity rules, insurance contracts, and qualification standards change and depend on individual facts and jurisdiction. No entity type, deduction, election, exchange, insurance policy, policy loan, retirement strategy, or investment approach is appropriate for everyone. Life insurance dividends are not guaranteed; policy loans accrue interest, reduce available cash value and death benefit, and may create tax consequences if a policy lapses or is surrendered. Deductions for interest, mileage, depreciation, home-office use, retirement contributions, and business expenses require applicable eligibility and substantiation. A 1031 exchange generally defers rather than eliminates tax and must satisfy strict requirements. Consult appropriately licensed tax, legal, accounting, insurance, and investment professionals before acting. Examples and outcomes discussed by the speakers are personal or hypothetical and are not guarantees of future results.

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Generational Growth is a podcast about entrepreneurship, investing, and building wealth with purpose. Hosted by former Army West Point officer, investor, and jiujitsu brown belt, Austin Johnson, the show documents his journey building a mission driven wealth focused on authentic relationships and giving investors turnkey access to a trusted wealth building team. At a time when distrust in corporations and governments is at an all-time high, this podcast is built on one core belief: people will save people — with a mission centered around supporting jiujitsu & disabled communities

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