Perennial Pride

Tom Suvansri
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  • ENTREPRENEURSHIP
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Tom Suvansri is passionate about protecting and growing his family's wealth and he shares how you can do it too. In this show, you will learn strategies that leverage economic principles in order to achieve increased financial control, cash flow, and tax advantages that last generations. It's time to eliminate uncertainty and create wealth strategies to build a family legacy.

  1. Choose Hard Now, Live Free Later

    1D AGO

    Choose Hard Now, Live Free Later

    Episode Summary In this reflective episode of Perennial Pride, Tom Suvansri shares lessons sparked by a college visit trip with his son — and how that experience became a powerful metaphor for life, finances, and long-term fulfillment. Tom explores the idea that life is a compounding journey shaped by daily decisions. Whether in finances, health, relationships, or personal growth, the choices we make today determine whether life becomes easier or harder tomorrow. The episode challenges listeners to rethink comfort, discipline, and planning by asking a simple question: Are you choosing easy now — or freedom later? Through practical examples and personal stories, Tom explains why discipline, planning, education, and intentional discomfort are essential tools for building resilience, wealth, and meaningful success over time. Ultimately, this episode is about embracing the right kind of hard — the kind that compounds into freedom, confidence, and fulfillment in the future. Links & Resources perennialpride.com  Keywords Compounding growth Long-term thinking Financial discipline Life planning Personal development Delayed gratification Wealth mindset Financial education Decision making Comfort vs discipline Planning vs reacting Stoic philosophy Personal responsibility Intentional living Freedom through discipline Mindset growth Family and legacy Resilience building Behavioral finance Self-improvement Episode Highlights 00:00–01:25 - A college visit sparks reflections on life transitions and growth 01:25–02:45 - Life as a compounding journey rather than an overnight destination 02:45–03:39 - Easy choices today vs hard consequences tomorrow 03:39–04:33 - Studying, training, and saving as examples of compounding effort 04:33–05:37 - Planning versus reacting in financial and personal decisions 05:37–06:33 - Discipline as the foundation of freedom and resilience 06:33–07:20 - The hidden cost of being "cheap" in life and finances 07:20–08:22 - When short-term savings create long-term expenses 08:22–09:12 - Paying for expertise, planning, and guidance as investments 09:12–10:22 - Education and coaching as lifelong growth tools 10:22–11:14 - Applying compounding principles to health and relationships 11:14–12:25 - Avoiding hard conversations and long-term relational costs 12:25–13:13 - Why humans naturally choose comfort and ease 13:13–14:13 - Fear, unfamiliarity, and financial avoidance 14:13–15:15 - Ego as a barrier to learning and growth 15:15–16:11 - Growth requires discomfort and effort 16:11–17:19 - Practical decision filter: choose the harder path intentionally 17:19–18:29 - Thinking about future costs before making decisions 18:29–19:34 - Getting comfortable being uncomfortable 19:34–20:22 - Building mental resilience through small challenges 20:22–21:08 - Designing decisions around long-term vision 21:08–22:03 - Discipline vs regret: both are hard — choose wisely 22:03–23:05 - The hard choices today that create freedom tomorrow

    22 min
  2. Building Financial Freedom Through Real Estate

    MAR 6

    Building Financial Freedom Through Real Estate

    Episode Summary In this episode, host Tom Suvansri sits down with Josh Gilmore, SVP at SDIRA Wealth, to explore how real estate investing can serve as a long-term pathway toward financial independence. Drawing from personal experience and over a decade working with investors, Josh explains how direct ownership of rental properties can create predictable income, tax efficiency, and protection against market volatility. The conversation moves beyond traditional retirement planning and reframes wealth as the ability to work by choice rather than necessity. Together, they discuss why single-family rental properties remain attractive in today's economic environment, how investors can leverage financing strategically, and why market selection matters more than timing the market itself. Listeners will gain insight into cost segregation and tax advantages, the realities of building generational wealth, and how full-service real estate investing models help busy professionals participate in real estate without managing day-to-day operations. Ultimately, the episode highlights education, intentional planning, and long-term thinking as the foundation for sustainable financial freedom. Links & Resources SDIRA Wealth | Boost Your Real Estate Investments perennialpride.com  Keywords Real Estate Investing Financial Freedom Passive Income Rental Properties Cash Flow Investing Single Family Rentals Cost Segregation Tax Strategy Wealth Building Long-Term Investing Financial Independence Income Replacement Inflation Protection Property Ownership Real Estate Development Investment Strategy Generational Wealth Alternative Investments Portfolio Diversification Investor Education Episode Highlights 00:00–01:35 - Introduction and purpose of financial education beyond money 01:35–02:40 - Josh Gilmore's journey into real estate after the financial crisis 02:40–04:32 - Evolution of SDIRA Wealth and adapting through market cycles 04:32–06:06 - Defining financial freedom through income replacement 06:06–07:39 - Moving beyond job-based income toward asset ownership 07:39–09:24 - Why direct ownership differs from stocks and syndications 09:24–11:59 - Benefits of new construction properties and reduced maintenance risk 11:59–13:49 - Real estate as a long-term and generational wealth strategy 13:49–16:12 - Market selection and evaluating economic resilience 16:12–18:41 - Choosing stable markets and avoiding volatility traps 18:41–21:04 - The full-service investment model explained 21:04–23:28 - Ownership control and investor peace of mind 23:28–25:13 - Tax advantages and cost segregation strategies 25:13–28:05 - The rise of a renter nation and housing affordability trends 28:05–30:23 - Institutional investors and future housing dynamics 30:23–31:47 - Who real estate investing is best suited for 31:47–33:31 - Education-first approach to investor decision making 33:31–35:57 - Final advice: take action through learning and informed decisions

    33 min
  3. Proactive Tax Planning: How to Keep More of Your Wealth

    FEB 26

    Proactive Tax Planning: How to Keep More of Your Wealth

    EPISODE SUMMARY Taxes are not a once-a-year inconvenience. They are a system that quietly influences nearly every financial decision you make — how you earn, how you save, how you invest, how you use your money, and how you transfer wealth to the next generation. In this episode, we break down the five stages of wealth where taxes play a critical role: How you earn How you save How you invest How you distribute income How you transfer wealth Most people approach taxes reactively — filing returns in April and moving on. But the tax code is not broken. It simply rewards those who understand it and plan accordingly. From W2 income and business ownership… to retirement distributions, Roth conversions, Medicare coordination, estate planning, and even the "buy, borrow, die" strategy — this episode provides a high-level roadmap for thinking more strategically about taxation across your lifetime. Because keeping more of what you earn legally is not about avoiding taxes. It's about designing your financial life intentionally. LINKS & RESOURCES perennialpride.com  KEYWORDS Tax planning Proactive tax strategy W2 income taxation Business ownership benefits Tax efficiency Cash flow design Roth conversions Opportunity Zones Capital gains strategy Tax deferred accounts Medicare coordination Social Security taxation Estate planning Probate avoidance Buy borrow die strategy Wealth transfer Trust planning After-tax returns EPISODE HIGHLIGHTS 00:00–01:10 - Tax season reminder: why taxes feel seasonal but impact you year-round 01:10–02:19 - Taxes influence every financial decision you make 02:19–03:30 - The tax code as a behavioral incentive system 03:30–04:38 - W2 income and why employees are taxed first 04:38–06:19 - Why business owners often have structural tax advantages 06:19–07:24 - The difference between gross taxation and net taxation 07:24–08:49 - Saving money: why bank interest is taxed again 08:49–10:10 - Cash value life insurance as an alternative storage vehicle 10:10–11:48 - Investing: 401(k)s, mutual funds, and tax deferral tradeoffs 11:48–13:20 - Capital gains advantages and market inefficiencies 13:20–15:08 - Government-incentivized investments: real estate, energy, Opportunity Zones 15:08–16:22 - After-tax returns vs headline returns 16:22–17:40 - Retirement distributions and tax deferred account traps 17:40–19:07 - Social Security and Medicare coordination risks 19:07–20:32 - Roth conversion strategies before retirement 20:32–21:24 - Required minimum distributions and forced withdrawals 21:24–22:43 - Estate taxes vs probate costs 22:43–23:50 - Taxation of inherited retirement accounts 23:50–25:25 - The "buy, borrow, die" strategy explained 25:25–27:00 - Why proactive tax coordination requires a team approach 27:00–29:11 - Taxes reward planners, not procrastinators

    31 min
  4. Designing Wealth for a 100-Year Life

    FEB 19

    Designing Wealth for a 100-Year Life

    EPISODE SUMMARY In this reflective and forward-looking episode, the host explores a question most people avoid: What if you live to 95… or even 100? After celebrating a 65th birthday and anticipating a 90th birthday in the family, he reflects on how quickly life moves — and how dramatically longevity is changing financial realities. With people living longer, traditional retirement models may leave individuals exposed, underprepared, and overly dependent on outdated financial advice. This episode challenges the average-life-expectancy mindset and instead encourages listeners to build wealth plans that account for longer runways, rising healthcare costs, tax exposure, and economic volatility. But the conversation goes deeper than money. The host introduces the concept of four forms of capital — financial, health, relationship, and purpose capital — arguing that true wealth requires balance across all four. Money alone does not equal wealth. Freedom, flexibility, optionality, and contribution define it more accurately. This episode is a call to rethink not just retirement… but the entire philosophy of wealth building. LINKS & RESOURCES perennialpride.com    KEYWORDS Longevity planning Retirement rethink Financial runway Cash flow investing Tax efficiency Optionality Flexibility Healthcare planning Sequence of return risk Four forms of capital Financial capital Health capital Relationship capital Purpose capital Wealth beyond money Abundant life strategy Lifestyle design Freedom planning EPISODE HIGHLIGHTS 00:00–01:00 - Reflecting on longevity: 65th and 90th birthdays spark perspective 01:00–02:10 - What if you live to 95 or 100? The planning gap most ignore 02:10–03:40 - The problem with using average life expectancy in financial plans 03:40–04:29 - Retirement could last longer than your working years 04:29–05:47 - Rethinking "retirement" as transition, not withdrawal from service 05:47–07:08 - Living longer means healthcare costs become a major threat 07:08–08:27 - Why planning for worst-case scenarios creates peace 08:27–09:37 - Traditional Wall Street retirement advice and its limitations 09:37–10:56 - Sequence of return risk, volatility, and taxation exposure 10:56–11:28 - Why building cash flow now creates optionality later 11:28–12:32 - Tax efficiency as the largest wealth lever most ignore 12:32–13:42 - Flexibility through multiple income streams 13:42–14:24 - Optionality: escaping the "stuck in a job" trap 14:24–15:07 - Introducing the Four Forms of Capital 15:07–15:52 - Financial capital: assets that produce income today 15:52–16:29 - Health capital: investing in your body like a portfolio 16:29–17:10 - Relationship capital: family, friends, and meaningful connection 17:10–17:48 - Purpose capital: meaningful work and contribution 17:48–18:53 - Money alone does not equal wealth 18:53–20:23 - Questions to evaluate your long-term wealth plan

    22 min
  5. Bold in Business, Timid in Money

    FEB 12

    Bold in Business, Timid in Money

    Episode Summary In this episode of Perennial Pride, Tom Suvansri explores a powerful paradox: why highly successful professionals often abandon the very mindset that made them successful when it comes to managing their personal finances. While they take ownership, calculated risks, and bold action in their careers, many default to fear, herd mentality, and passivity with money—especially around taxes and long-term planning. This episode challenges listeners to reclaim curiosity, education, and intentional design in their financial lives to move beyond average outcomes.   Episode Resources perennialpride.com     Keywords Financial ownership Herd mentality Proactive tax planning Personal finance mindset Financial education Wealth beyond the numbers Tax strategy Long-term planning Average vs intentional outcomes Financial empowerment Risk tolerance Designing your financial system Episode Highlights  00:00–01:18 - The paradox of success in career vs personal finance 01:18–02:15 - Fear replacing curiosity in financial decisions 02:15–03:30 - Why herd mentality feels safe—but limits outcomes 03:30–04:39 - Taxes as a common area of financial passivity 04:39–05:26 - Reactive tax compliance vs proactive tax strategy 05:26–06:20 - Why advisors often don't push proactive planning 06:20–07:21 - Education as the gateway to better financial decisions 07:21–08:21 - Planning years ahead instead of scrambling later 08:21–09:22 - Designing systems that adapt to inevitable change 09:22–10:58 - Questions successful people need to ask about money

    13 min

  6. 12/24/2025

    From Comfort to Control: Rethinking How You Build Wealth

    Summary  In this episode of Perennial Pride, discover the power of urgency over comfort in building wealth and success. Using the inspiring story of a high school football team's championship journey, explore the vital role of intentional effort, proactive planning, and facing challenges to achieve financial freedom and a richer life beyond money. Perfect for anyone ready to transform their approach to wealth and life.. Episode Highlights 00:01:20 - Reflection on success through hard work. 00:02:05 - Urgency and comfort: insight on excellence and regret. 00:03:33 - Overcoming resistance to pursuing hard goals. 00:03:49 - The entrepreneurial mindset and taking intentional action. 00:05:21 - Stoicism: embracing obstacles as paths to growth. 00:07:07 - Complexity and its impact on financial management. 00:09:32 - Passive investing and its potential pitfalls. 00:11:56 - The importance of proactive, urgent financial planning. 00:12:26 - Risk mitigation as a critical but overlooked aspect. 00:14:23 - Wealth-building: Saving vs. spending culture. 00:17:58 - Benefits of maintaining liquidity for opportunities. 00:19:02 - The importance of aggressive tax planning. 00:20:49 - Diversifying and self-investing for financial excellence. 00:22:02 - Assessing comfort vs. urgency in wealth-building efforts. Episode Resources perennialpride.com  Keywords wealth building   urgency   comfort   financial freedom   wealth management   obstacles   stoicism   risk mitigation   complexity   volatility   consumerism   stoic philosophy   proactive planning   investment   tax planning   entrepreneurial   retirement accounts   savings and spending   liquidity   taxes   estate planning   personal development   business ownership   real estate   financial education   opportunity funds   financial discipline   financial independence   Perennial Pride podcast

    26 min
  7. Compilation Episode: Best of 2025

    12/17/2025

    Compilation Episode: Best of 2025

    EPISODE SUMMARY This episode revisits key conversations that challenge traditional financial thinking. From protecting family legacies through trusts, to using infinite banking as a personal financial system, to leveraging private equity for passive income and tax efficiency, this episode emphasizes intentional wealth-building through structure and education.   LINKS MENTIONED https://podcasts.apple.com/us/podcast/perennial-pride/id1632084146   KEYWORDS / SEO Perennial Pride Podcast, Best of 2025 podcast, Trust administration, Estate planning trusts, Generational wealth, Infinite banking concept, Whole life insurance banking, Private equity investing, Passive income strategies, Alternative investments, Financial independence, Wealth education, Tax-efficient investing.   EPISODE HIGHLIGHTS WITH TIMESTAMPS - 00:00–00:01 - Introduction and episode overview - 00:01–00:07 - Trusts and generational wealth - 00:07–00:09 - Risks of inheritance without structure - 00:09–00:13 - Infinite banking explained - 00:13–00:15 - Misconceptions about whole life insurance - 00:15–00:18 - Guarantees vs market returns - 00:18–00:23 - Private equity for busy professionals - 00:23–00:25 - Fund-of-funds and diversification - 00:25–00:26 - Closing message on financial empowerment

    27 min
  8. The Hidden Power of Liquidity in Wealth Building

    12/11/2025

    The Hidden Power of Liquidity in Wealth Building

    Today's episode of the Perennial Pride podcast, Tom dives into one of the most overlooked but essential concepts in wealth building: liquidity. With markets showing volatility and assets potentially overvalued, he breaks down why having access to capital—not just investments—is key to confidence, preparedness, and opportunity. Tom shares practical strategies he's personally used over the last year, including reassessing investments, unlocking equity, trimming expenses, and planning taxes proactively. Whether it's handling emergencies or striking when opportunities appear, this episode offers a grounded roadmap to fortifying your financial foundation. Episode Highlights 02:00: The "Everything Bubble" and why timing markets doesn't work 05:00: Why liquidity creates calm, confidence, and optionality 07:30: Emergency funds vs opportunity funds 10:00: Selling assets strategically to unlock trapped equity 12:00: Exiting syndications and private investments for flexibility 14:30: Home equity, HELOCs, and planning before you need them 16:00: Alternative places to store liquidity 18:00: The three layers of liquidity explained 19:30: Warren Buffett's "tide going out" lesson 20:00: Final thoughts on preparation and long-term confidence Links and Resources: perennialpride.com

    21 min
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About

Tom Suvansri is passionate about protecting and growing his family's wealth and he shares how you can do it too. In this show, you will learn strategies that leverage economic principles in order to achieve increased financial control, cash flow, and tax advantages that last generations. It's time to eliminate uncertainty and create wealth strategies to build a family legacy.

Information

  • Creator
    Tom Suvansri
  • Years Active
    2022 - 2026
  • Episodes
    176
  • Rating
    Clean
  • Show Website
    Perennial Pride