Wise Money Tools's Podcast

Every investor dreams of the perfect investment — one that's safe, grows fast, and pays consistent income. But most only get two out of three. If it's safe, it's slow. If it's high performing, it's risky. If it pays income, it's taxed and limited. What if you could have all three? That's what Dan calls The Perfect Trifecta — combining the safest asset (high cash value life insurance), the highest performing asset (Bitcoin), and the most consistent income engine (the YLDZ Token). Together, they form a self-fueling system where safety feeds growth, growth funds income, and income strengthens safety. It's not just investing — it's wealth architecture that compounds with purpose.

For decades, Wall Street told us to "trust the plan." Work hard, save in your 401(k), ride out the market, and someday you'll retire free. But the truth? That plan is broken. Most investors end up with portfolios that barely beat inflation — eaten alive by taxes, fees, and volatility. Meanwhile, Wall Street takes their cut no matter what. The system isn't built for you to win — it's built for them. That's why we created Y-Assurance and the YLDZ Token — combining the safest asset on earth (life insurance) with the best performing one (Bitcoin). It's not another product — it's a new wealth system that compounds safely, pays monthly income, and builds generational wealth. Don't settle for a broken plan. Build your own.

I recently attended a financial advisor conference — impressive businesses, billions in annuities and AUM… but almost no mention of life insurance. And that's the problem. Most advisors ignore one of the most powerful wealth-building tools available: leveraged life insurance. When structured correctly, it can: ✅ Generate tax-free retirement income ✅ Serve as a funding vehicle for real estate & other investments ✅ Reduce your lifetime taxes (income + estate) ✅ Create a lasting family legacy Meanwhile, most clients are stuck with taxable investments, “tax-deferred” retirement plans, and strategies that enrich Wall Street — not them. This isn't a gimmick. It's a strategy built on 100+ year-old companies with proven stability. Done right, it can transform a “good” financial plan into a great one.

Your cash value isn't just sitting there — it's working for you. But most people only use it once. Big mistake. Here's how the wealthy play it:

Got cash value in your policy? Most people let it sit there… growing slowly. Here's the smarter play:

Some advisors say you can withdraw 8–10% from retirement funds. The stats say otherwise—only a 3.3% chance it works! We show how to safely take 2–3x more than Wall Street's 4% rule—tax-free.

Have cash value building up? Don't waste it. The wealthy don't borrow to buy toys. They borrow to build wealth:

Still think you can retire pulling 10% a year from your portfolio? Even Dave Ramsey says it's possible — but math says otherwise: