Generational Growth with Austin Johnson

Austin Johnson
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  • Entrepreneurship
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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. People Taking Care of People: Autism Support, Estate Planning, and Wealth With Purpose

    1d ago

    People Taking Care of People: Autism Support, Estate Planning, and Wealth With Purpose

    I sat down with my sister to talk about My Autism Connection and the role programs like this can play for families and young adults with autism. This one is personal. MAC helps young adults build communication, independent living skills, social confidence, creativity, and community. For many families, this type of support can be life-changing. The hard part is that access and affordability are still real challenges. That connects directly to the bigger mission behind Generational Growth. In jiu jitsu, we talk a lot about building a strong base. Without the base, everything else eventually breaks down. I think wealth works the same way. Financial education, estate planning, trusts, properly structured whole life insurance, and long-term capital systems can help families build that base. The living side can help create access to capital while we are here. The legacy side can help support families, causes, and communities after we are gone. Wealth building should not just be about accumulation. It should be about protection, access, and impact. That is why this conversation matters to me. It ties together family, purpose, financial education, autism support, and the belief that people are going to have to start taking care of people. If this resonates, share it with someone who cares about autism support, estate planning, financial education, jiu jitsu, or building wealth with purpose. Chapters: 0:00 Intro & What is My Autism Connection (MAC) 0:32 Learning About Mary 4:30 What My Autism Connection Provides 13:58 Funding Issues with Autism Programs 16:55 Closing Notes on My Autism Connection 18:53 My Vision for Funding, Generational Growth 20:52 Giving Back & Structuring Generational Wealth Systems 21:40 A Shift to Privatized Economies Get to your “why” quicker: Want to chat? Book a call: Select a Date & Time - CalendlyWant my best resources for privatized banking: Generational Growth Vault Want to learn more on Generational Growth?: Generational Growth | Infinite Banking & Wealth Strategies Educational only. Not financial, tax, or legal advice.

    23 min

  2. 3d ago

    Infinite Banking in the U.S. vs Canada | How We Connected Through Values

    Finding the right people in this space isn’t always easy. In this episode, I was featured on Kristy's Podcast with her Company, Abundant Wealth to discuss our infinite banking journeys. There’s a lot of noise, conflicting advice, and different intentions behind how infinite banking is presented. When Kristyn and I connected, it was through a shared values-based approach focused on education, proper policy design, and long-term thinking. Kristyn serves clients in Canada and entered the space after seeing the restrictions placed during COVID. That experience led her to explore systems that offer more control, flexibility, and resilience. In this conversation, we break down how properly designed whole life insurance can be used for liquidity, leverage, and long-term planning. We also discuss real estate strategies, private lending, policy design pitfalls, and the importance of working with the right people. 00:00 Welcome and Introductions 01:21 Austin Background and Turning Point 03:58 Research and First Policy 06:51 Bad Actors and Policy Design 12:16 Long Term Thinking and Debt 15:24 Real Estate Policy Playbook 17:29 Canada vs US Funding Differences 20:14 Mission and Rockefeller Method 23:25 Money Is Not Evil 24:37 Taxes And Direct Giving 25:40 Mentorship Cheat Code 27:42 Client Education First 30:50 Red Flags And Ego 34:58 IUL Versus Whole Life 39:12 Real Estate Insurance Stack 40:57 Final Takeaways Kristyn’s resources: 🔗Free resources hub: abundantlifews.com/list 📅Free clarity call: abundantlifews.com/appointment Subscribe for ongoing insights: ‪@AbundantLifeWS ‬My resources: 🔗 Website: https://www.generationalgrowthco.com/ 📅 Book a call: https://calendly.com/austin-generatio... Disclaimer: This content is for educational purposes only and not financial, tax, or legal advice.

    42 min
  3. Private Lending Explained with Doug Smith: Real Estate Notes, Whole Life, and Risk Management

    5d ago

    Private Lending Explained with Doug Smith: Real Estate Notes, Whole Life, and Risk Management

    In this episode, I sat down with Doug Smith, author of The Mad Lender, to talk through private lending, real estate backed notes, underwriting, risk management, and how investors can think more clearly before lending capital. We covered what private lending actually means, why “being backed by real estate” is not enough by itself, how capacity, character, and collateral fit into the underwriting process, and why private lenders need to understand the deal before chasing yield. We also talked about financial vehicles like Self-Directed IRAs, Solo 401(k)s, and properly structured whole life insurance, including how whole life policy loans can be used as part of a broader capital structure for private lending and real estate investing. Private lending can be powerful, but structure matters. Borrower. Collateral. Repayment source. Lien position. Underwriting. Exit strategy. Team. That is where the real education starts. Chapters 00:00 Intro to Doug Smith and The Mad Lender 00:51 Doug’s lending background and Castle Rock 02:08 Why novice private lenders get in trouble 04:00 Private lending explained: becoming the bank 06:15 Why Doug wrote The Mad Lender 07:56 The 3 C’s of credit 09:54 Why private lending should not be dumbed down 13:36 Collateral is not enough 15:54 Character, credit, and the pastor story 20:00 Capacity comes before collateral 23:56 Vetting the people you learn from 26:26 Match the vehicle to the terrain 27:57 SDIRAs, whole life, Solo 401(k)s, and private lending 31:00 Using whole life for private lending 32:05 Opportunity cost, leverage, and tax benefits 34:16 Flexible policy loans and capital control 36:04 Finding the right team 37:54 Financial education has to be sought out 39:54 Background, experience, and real expertise 42:32 Intelligence vs wisdom in financial education 44:14 Avoiding the easy quick buck 46:16 Hone your craft before investing 47:54 Building your wealth-building team 48:54 How to connect with Doug 49:55 Closing thoughts Learn more about private lending at Doug's website here: https://go-castlerock.com/ If you want to learn how properly structured whole life insurance can fit into your capital structure, book a call with Generational Growth: Get to your "why" quicker: 🔗 All resources: https://www.generationalgrowthco.com/... 📅 Book a call: https://calendly.com/austin-generatio... Disclaimer: This content is for educational purposes only and not financial, tax, or legal advice.

    50 min
  4. Private Lending Explained: Real Estate, SDIRAs, Whole Life, and Capital Structure

    Jun 26

    Private Lending Explained: Real Estate, SDIRAs, Whole Life, and Capital Structure

    In this episode, I sat down with Sharon to talk private lending, real estate investing, Self-Directed IRAs, whole life policy loans, turnkey rentals, and how to think about capital structure with more intention. We covered how private lending can allow investors to participate in real estate without owning the property directly, why structure matters, what backs a note, how first lien position works, and why the right operator, paperwork, and collateral are critical. We also talked about using different vehicles for different jobs: Self-Directed IRAs, whole life insurance, turnkey real estate, and private lending all solve different problems. Capital has to live somewhere. The question is whether your strategy matches your goal. Chapters 00:00 Authenticity, transparency, and real conversations 00:16 The chase, grief, routines, and presence 03:39 Jiu jitsu, discipline, and starting earlier 05:15 Validation, business, and pushing hard 09:15 Jiu jitsu lessons and wealth-building levels 12:08 Sharon’s story: values, wealth, and private lending 17:32 Real estate, bank limits, and creative financing 19:03 When is enough? 23:04 Private lending explained 26:01 Velocity of money and controlling your capital 29:03 Whole life, retirement accounts, and tax planning 31:57 Self-Directed IRAs for private lending 34:20 Match the vehicle to the goal 35:52 What backs a private lending note? 37:32 Mortgage, promissory note, insurance, and first lien position 38:53 Fully amortized private lending notes 39:21 Turnkey real estate plus private lending 41:08 Time, family, and the passive income reality 42:12 Turnkey real estate and aligned providers 44:53 How to connect with Sharon 🏠 Connect with Sharon: https://quickcaringhomesolutions.com/ Get to your "why" quicker: 🔗 All resources: https://www.generationalgrowthco.com/... 📅 Book a call: https://calendly.com/austin-generatio... Disclaimer: This content is for educational purposes only and not financial, tax, or legal advice.

    46 min
  5. How To Read A Life Insurance Policy (Avoid Scams)

    Jun 25

    How To Read A Life Insurance Policy (Avoid Scams)

    A lot of the “life insurance is a scam” conversation comes down to one thing: poor policy design and a lack of understanding. This video walks through how to actually read a policy. It’s the same framework I use when reviewing illustrations with clients so they understand exactly what they are buying and how the system works. 0:00 Addressing Scam Culture 0:40 Guaranteed Portion 2:43 Non-Guaranteed (Dividends) 4:20 What If I Don't Want to Pay? 5:13 How Much Should I Put In? 5:54 What Do I Do With My Policy? 8:45 Onboarding Process & System 9:34 Medical Underwriting (Getting Approved) 10:35 Proper Design & Warnings Most of the scam culture around insurance exists because people are sold predatory designs or never shown how to evaluate a policy themselves. The goal of this breakdown is simple: give you the knowledge to stay protected and make informed decisions. Education only. Not financial advice.

    11 min
  6. Self-Directed IRA + Whole Life: How Real Estate Investors Think About Capital

    Jun 19

    Self-Directed IRA + Whole Life: How Real Estate Investors Think About Capital

    Self-Directed IRAs, Solo 401(k)s, private lending, real estate investing, and properly structured whole life insurance all come back to one bigger idea: Capital structure matters. In this conversation, I sat down with Brett Synicky from Sense Financial to talk about how real estate investors and high-income professionals can think beyond the traditional “just buy the S&P 500 and wait” strategy. We covered Self-Directed IRAs, Solo 401(k)s, checkbook control, private lending, real estate inside retirement accounts, and how investors can use different vehicles for different jobs. A Self-Directed IRA or Solo 401(k) may help investors access retirement dollars for alternative assets like real estate, syndications, private credit, or private lending. Properly structured whole life insurance solves a different problem: liquidity, access to capital, tax-advantaged growth, and keeping dollars in motion while building assets outside the policy. They are not the same tool. But when used intentionally, they can both fit inside a larger wealth-building strategy. Strategy has to follow the goal. Learn more about using Self-Directed IRAs and Solo 401(k)s for private lending and real estate with Brett here: https://www.sensefinancial.com/consul... If you want to learn how properly structured whole life insurance can fit into your capital structure, book a call with Generational Growth: Get to your "why" quicker: 🔗 All resources: https://www.generationalgrowthco.com/... 📅 Book a call: https://calendly.com/austin-generatio... Educational only. Not financial, tax, or legal advice. Speak with your own CPA, attorney, financial professional, and plan administrator before making decisions. Chapters: 00:00 Introduction to Brett and Sense Financial 01:29 Solo 401(k), participant loans, and early lessons 04:02 Why Self-Directed IRAs and whole life can work in separate lanes 05:02 Strategy has to follow the goal 09:00 Real estate lessons from 2008 10:03 Why cash flow matters before appreciation 12:04 Brett’s case for private lending 13:02 Private lending vs. stock market control 14:01 Aligning allocations with your actual goals 15:02 Wealth, stewardship, and business with purpose 19:00 Building a trusted wealth-building team 20:02 How clients use Self-Directed IRAs and Solo 401(k)s 21:03 Rentals, syndications, and private lending inside retirement accounts 23:01 Private lending inside a retirement account 24:00 Tax-Free Wealth and real estate inside an SDIRA 25:00 Invest in what you know, control, and understand 27:01 Part 2 preview and closing thoughts

    27 min
  7. I Thought Infinite Banking Was a Scam (My Ego Cost Me 5 Years)

    Jun 17

    I Thought Infinite Banking Was a Scam (My Ego Cost Me 5 Years)

    Five years ago, I made the biggest financial mistake of my life. I saw infinite banking as a scam and dismissed it without understanding it. My ego cost me years of learning about leverage, liquidity, and capital control. Infinite banking using whole life insurance can feel complicated because insurance itself is a broad umbrella. We have life insurance, auto insurance, health insurance, and more, and each category has different structures. Inside life insurance alone there are major differences between term and permanent coverage, whole life and IUL, and stock versus mutual companies. Add in commission structures, aggressive marketing, and today’s scam culture, and it is easy to see why people get confused or defensive. 0:00 The Ego Mistake That Cost Me 5 Years 0:40 Why Infinite Banking Feels Like a Scam 1:40 Insurance Is an Umbrella, Not One Product 2:50 Term vs Permanent Life Insurance Explained 3:50 Whole Life vs IUL for Infinite Banking 4:50 Stock vs Mutual Insurance Companies 5:58 What Makes a Strong Insurance Company 7:07 Designing for Liquidity and Efficiency 9:26 Agent Commissions and Scam Culture 13:03 How to Actually Do Infinite Banking Correctly 15:30 Tribal Dogma and the S&P 500 Mindset In this video I break down infinite banking simply and clearly. We cover why whole life feels complex, how to distinguish term vs permanent insurance, whole life vs IUL for infinite banking, the difference between stock and mutual insurance companies, what to look for in a strong company, how policies should be designed for efficiency and liquidity, and how agent commissions tie into the perception of scams. We also talk about tribal financial dogma, whether that is blind loyalty to the S&P 500 or blind loyalty to infinite banking, and why thinking independently matters. This video is for high income earners and disciplined wealth builders who want clarity instead of hype. Get to your "why" quicker: 🔗 All resources: https://www.generationalgrowthco.com/... 📅 Book a call: https://www.generationalgrowthco.com/... 🏦 Unlock the Vault: https://vault.generationalgrowthco.co... Education only. Not financial advice.

    17 min
  8. What Military Transition Taught Us About Building Wealth | Jiu Jitsu, Money & Purpose

    Jun 12

    What Military Transition Taught Us About Building Wealth | Jiu Jitsu, Money & Purpose

    Steve and I both realized after military transition that building wealth wasn’t just about saving more. It was about learning how to structure capital, build assets, and think differently about funding real estate through strategies like infinite banking. 00:00 Intro | Military Transition, Wealth & Jiu Jitsu 00:31 Meet Steve | From Poverty Mindset To Financial Education 02:40 Discovering Infinite Banking & New Possibilities 03:56 How We Met | EDC, Military & Shared Vision 05:24 From Jiu Jitsu Gym Dreams To Bigger Impact 06:25 Military Money Advice | TSP, Roth & Traditional Paths 10:17 Why Strategy Should Match Your Goals 12:44 Building Optionality & Designing Life Intentionally 14:33 Breaking Generational Patterns 18:37 Jiu Jitsu, Coaching & Personal Growth 22:34 Financial Education Is Like Jiu Jitsu 23:58 Mentorship, Men & Modern Challenges 27:56 Taking Ownership Of Your Future 30:32 Growth, Knowledge & Giving Back 34:18 Why We Started Sharing Online 35:25 Using Wealth To Build Community Impact 39:32 Why Jiu Jitsu Changes Lives 40:50 The Rockefeller Method Explained 43:24 Why Financial Education Matters More Than Ever 47:18 Why Access To Capital Matters 49:12 Using Whole Life To Create Optionality 50:12 Opportunities Belong To The Prepared 🏠 Steve Website: https://kineticcapitalbuilders.com/?u... Get to your "why" quicker: 🔗 All resources: https://www.generationalgrowthco.com/... 📅 Book a call: https://calendly.com/austin-generatio... 🏦 Unlock the Vault: https://vault.generationalgrowthco.com/ Disclaimer: This content is for educational purposes only and not financial, tax, or legal advice.

    51 min
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About

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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