Podcast appearances and mentions of caleb guilliams

In this roundtable conversation, Todd Langford, Denzel Rodriguez, Daniel Rondberg, and Caleb Guilliams walk through every variable — interest rates, compounding, cash flow, risk, flexibility, and even tax deductions for velocity banking. Does this concept actually work to pay off mortgages faster or is it a wash? Check out everyones channel: Todd Langford: https://www.youtube.com/@TruthConcepts Denzel Rodriguez: https://www.youtube.com/@DenzelNapoleonRodriguez Daniel Rondberg: https://www.youtube.com/@DanielRondberg 00:00 Understanding Mortgage Payoff Strategies02:34 The Role of Velocity Banking05:20 Comparing HELOC and Traditional Mortgages07:55 Cash Flow and Interest Rates10:34 Analyzing Interest Savings with HELOC12:30 Income and Expense Management14:46 The Impact of Accelerated Payments17:57 Tax Implications of Mortgage Payments20:24 Final Thoughts on Mortgage Strategies25:20 Understanding Interest Rates and Mortgage Strategies31:32 The Impact of Debt on Financial Decisions35:04 Comparing Payment Strategies: HELOC vs Traditional Payments43:59 Evaluating the Role of Time Value of Money50:43 Entrepreneurial Perspectives on Debt Management58:14 The Emotional Weight of Debt59:15 Understanding Debt vs. Cash Flow01:00:38 The Debate on HELOC vs. Savings01:02:28 Velocity Banking Explained01:04:46 Cultural Perspectives on Debt01:06:37 The Role of Emotion in Financial Decisions01:08:31 Comparative Rates and Financial Strategies01:11:19 Risk-Adjusted Returns and Financial Planning01:14:01 The Importance of Rate in Financial Decisions01:18:22 Final Thoughts on Financial StrategiesDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Whole Life Insurance is widely misunderstood, yet for billionaires and family offices, it's a powerful tool for long-term financial security.While most people see life insurance as an expense, the wealthy use Whole Life Insurance as a financial foundation—one that offers liquidity, tax-free growth, and a guaranteed rate of return.In this episode, Caleb Guilliams, founder of BetterWealth, joins me to break down the real benefits of Whole Life Insurance—and how to use it the way the wealthy do.We discuss why most policies are structured incorrectly, the biggest mistakes to avoid, and why banks and billionaires hold massive amounts of Whole Life Insurance as part of their asset allocation strategy. In This Episode, You'll Learn:1.) Why Whole Life Insurance isn't an investment—and how the wealthy use it to build lasting financial security.2.) The truth about Whole Life Insurance—the key benefits, hidden pitfalls, and the biggest misconceptions that trip people up.3.) The costly mistakes people make when setting up a Whole Life policy—and how to structure yours for maximum flexibility and returns.Show Notes: LifestyleInvestor.com/232Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode of The Power of Zero Show is part of David McKnight's podcast interview with Caleb Guilliams and Tom Wall, PhD. David touches upon a recent Ernst & Young study where whole life insurance was used as a buffer-type strategy. When it comes to the “risk continuum”, David sees IUL as slightly on the right side of whole life insurance. IUL is something worth doing only if you think that risk premium can get you a slightly higher rate of return over time. David recognizes that IUL has risks but that, in exchange for those risks, you can get somewhat of a higher rate of return.  Whole life policies aren't something David sees as designed to build money up and then take money out permanently. One of the reasons why David likes the IUL is because you can find a carrier that gives you a guaranteed 0% loan. Some may argue that Wade Pfau, who wrote the foreword for David's latest book, The Guru Gap, prefers whole life instead of IUL. David's stated objective is to build up your net worth as effectively as you can. His suggestion for the accumulation period is to save as well as you can and to mostly invest in stocks. David explains his preference for IUL over whole life policies.   Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young Dave Ramsey Wade Pfau

Today's episode of The Power of Zero Show features part of David McKnight's conversation with Caleb Guilliams and Tom Wall, PhD. David kicks things off by addressing the liquidity issue. Handing a chunk of your retirement savings over to an insurance company in exchange for a stream of income that's guaranteed to last as long as you do sounds great in principle, but people often have consternation about it… The thought of losing liquidity on a significant portion of their net worth is what prevents some Americans from opting for SPEAs and DIAAs. David explains why a fixed index annuity can be a valuable resource to leverage. David discusses what the annuity industry tends to do.  In his book, Tax-Free Income for Life, David illustrates the so-called “piecemeal” internal Roth conversion. An internal Roth conversion allows you to convert your annuity into a Roth IRA – with an amount of your choosing and over a timeframe your financial plan calls for. Tom Wall discusses the two phases of an annuity, the accumulation and distribution phases, as well as the repercussions of the perceived loss of liquidity.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Are you working just to retire? Are we saving all of our money just so that we can no longer be useful one day? In this special recap episode of our discussion with Caleb Guilliams, we are discussing what it means to redefine work in the long term. Tuning in, you'll hear what the definition of retirement is, why you can decide to be excellent at any job you do, where the concept of retirement came from, and more! We even discuss the importance of finding a way to be in service to others for the rest of your life, even after you retire from your ‘job'. So to hear all this and be inspired to be of service until you are no longer physically able to be, press play now!

This episode of The Power of Zero Show is part of David McKnight's conversation with Caleb Guilliams and Tom Wall, PhD. David touches upon the “dangerous partnership” between the American people and the IRS. David is an advocate for a balanced, comprehensive, approach to tax-free retirement – he explains why that's the case. One of the things David likes about IULs is the fact that they can perform specific applications that no other stream of income, such as Roth IRAs and Roth 401(k)s, can do. David goes over the unique trait of each of the streams of tax-free income he sees as key components of “the Holy Grail of financial planning”. A Roth IRA, for example, gives you immediate liquidity, while a Roth 401(k) gives you a match. A Roth Conversion allows you to convert an unlimited amount of assets to tax-free. Taking money out of your IRA up to your standard deduction allows you to get a deduction on the front end, grow your money tax-deferred, and take your money out tax-free. An IUL, on the other hand, enables you to get a death benefit in advance, for the purpose of paying for long-term care. A balanced, comprehensive, approach to tax-free retirement capitalizes on all the nooks and crannies in the IRS tax code. David is in agreement with a recent Ernst & Young study inviting people to have 30% of their retirement savings go towards cash-value life insurance. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com TikTok Ernst & Young

In this episode, we sit down with Caleb Guilliams, founder of BetterWealth and author of The AND Asset. Caleb launched BetterWealth at just 21 years old, bringing a fresh and innovative approach to financial independence, wealth building, and intentional living. He now runs a thriving national firm that helps individuals and entrepreneurs optimize their money through tax strategies, investments, and financial coaching. In our conversation, Caleb redefines what it means to be wealthy and challenges traditional financial advice. We explore actionable frameworks for removing financial friction, maximizing your greatest asset—you—and aligning money with your goals. We also discuss the two fundamental uses of money, wealth-increasing strategies, why tracking your money is a superpower, common misconceptions around debt, and more. Caleb's insights will change how you think about saving, spending, and investing, empowering you to live with purpose and intention. Join us to uncover the secret to using money as a tool to create the life you truly want. Tune in now!

What if you could grow, protect, and access your money—tax-free—while building long-term wealth? In this episode, financial expert Caleb Guilliams joins Erik Van Horn to discuss how franchise owners and entrepreneurs can use life insurance as a powerful tool to maximize cash flow, reduce taxes, and create financial freedom. Don't miss these game-changing strategies! Caleb is a financial expert, author of The AND Asset, and founder of BetterWealth. Today, he shares how business owners can use life insurance as a financial tool to grow, protect, and access their wealth tax-efficiently.  From optimizing cash flow to leveraging smart tax strategies, this episode dives deep into how franchisees and business owners can maximize their financial potential while minimizing risk. Caleb also breaks down common misconceptions about life insurance and why it can be a powerful wealth-building tool when structured correctly. If you're a business owner looking to build long-term wealth, this episode is a must-listen!   “I believe that you are your greatest asset. Your ability to think and show up is the greatest asset, and I think a lot of people are undermining it. And so, I ask, 'What can I do to encourage them to have more energy and smile?' Because most of the time, happier people make more money, have more clarity, and are more confident." ~ Caleb Guilliams   In This Episode: - Caleb's path to financial expertise - Using life insurance for cash flow - Infinite banking explained - The biggest misconception about infinite banking - Tax-advantaged strategies for growing your wealth - Structuring life insurance for maximum benefits - When to start using life insurance - Life insurance vs. Roth - Practical advice from Caleb - How to grow your wealth - Living an intentional life - How to create value for the world   Resources: 

Want Life Insurance? Click Here: https://bttr.ly/aa-yt-clarity Want Free Life Insurance Education & Resources? Click Here: https://bttr.ly/yt-aa-vault What age is too old for life insurance? Particularly, whole life insurance or the concept of infinite banking? Caleb Guilliams and Justin Gartman walk through multiple different life insurance policies at different ages from young to old.Learn More about the And Asset:Website: https://bttr.ly/andassetEmail the And Asset Team: https://bttr.ly/info======================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Want Life Insurance? Click Here: https://bttr.ly/aa-yt-clarity Want Free Life Insurance Education & Resources? Click Here: https://bttr.ly/yt-aa-vault Have you ever wondered what the minimum amount of money is fund a whole life insurance policy for infinite banking? In this video, Caleb Guilliams and Austin Williams show how much it takes to start and what a policy would like like at the minimum cost.Learn More about the And Asset:Website: https://bttr.ly/andassetEmail the And Asset Team: https://bttr.ly/info======================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this riveting episode of the Life Matters Podcast, host Bill Bell, VP of Advanced Sales for Penn Mutual, sits down with Caleb Guilliams, the visionary founder of BetterWealth, to explore how the life insurance industry is evolving and how financial professionals can thrive in this changing landscape. Caleb shares his innovative approaches to client engagement, marketing, and company culture—offering practical, transformative strategies that can empower financial professionals and strengthen relationships with clients.Key Takeaways:Starting with "Why": Creating Meaningful Client ConnectionsLearn how asking the right questions can turn financial planning into a powerful tool for helping clients live more fulfilling lives. By uncovering deeper motivations, you can build lasting trust and transform how clients view their wealth.Refining Your Offer for Maximum ImpactDiscover the secret to creating a clear, client-centered offer that resonates. By defining your ideal client and addressing their specific needs, you'll not only stand out from the competition but also build stronger, more engaged relationships.Penn Mutual: Values + InnovationExplore how Penn Mutual's commitment to transparency, innovation, and unwavering core values equips advisors to provide real, lasting value—strengthening client trust and fostering long-term satisfaction.Press play to be entertained, informed, and inspired! Get ready for an episode packed with actionable insights to help you grow a stronger financial practice.Have a question or comment for Bill?  Drop him an email at: LifeMatters@PennMutual.comFollow UsTwitter @pennmutualFacebook @PennMutualInstagram @pennmutualLinkedIn @Penn MutualPresented by Penn Mutualwww.PennMutual.comThis podcast is for informational purposes. Guests' views, comments, and opinions on products, services, or strategies do not necessarily represent the views of or imply endorsement by The Penn Mutual Life Insurance Company or its affiliates. Product availability, benefits and provisions vary by state. 7265343NS_NOV26

Want a Life Insurance Policy? Go Here: https://www.betterwealth.com/clickhere-life-insuranceWant FREE Whole Life Insurance Education? Go Here: https://bttr.ly/vault In this BetterWealth PODCAST, Caleb Guilliams interviews David O'Malley, the CEO and President of Penn Mutual Life Insurance Company. He highlights the role of insurance in aggregating and managing risks that individuals cannot handle on their own. David also emphasizes the value of permanent life insurance as a versatile asset that can enhance financial planning. He explains the benefits of mutual insurance companies, which prioritize the interests of policyholders over shareholders.______________________________________________ ✉️ Email BetterWealth: https://bttr.ly/infoWEBSITE: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

One of the biggest arguments against Infinite Banking is that its rate of return doesn't come close to the ROI of other vehicles.   Anyone who has this belief is completely missing the point of the concept, and losing out on a ton of benefits in the process. Infinite Banking isn't an investment, it's an asset.    It's an efficient machine to move your money through, while giving your control and freedom - something the traditional banking system doesn't offer at all.    How do we take our control, clarity and conviction back? What have wealthy people known for generations?   In this episode, founder of Better Wealth, Caleb Guilliams returns and today, we talk about all the lies keeping you from experiencing the benefits of Infinite Banking. Three Things You'll Learn In This Episode    - Infinite Banking will always beat the alternativesInfinite Banking isn't just great for a time where the stock market isn't performing well. Why would we still choose it if the economy was doing great?   - Rate-of-return isn't the point We don't think of our smartphones as investments with low ROI. How do we apply that mindset to Infinite Banking?   - The safest place to park your cash While banks are failing, insurance companies are paying more dividends. What does this tell us about the so-called stable system?   

Grant Mjaatveit has built a successful career in the biotech industry. Until 2020, he was happy socking away $$ in 401k's, IRA's and "doing what he was told". It wasn't until he read the book "The AND Asset: The Secret Way to Save And Use Your Money at The Same Time by Caleb Guilliams" that he discovered a completely new way of thinking. Now Grant uses the Infinite Banking Strategy to deploy $$ into Commercial Real Estate deals, lower his tax burden and ultimately create a legacy for his family. Join the CRE Collective Follow Nolan on Tik Tok YouTube Link

Many people struggle to gain clarity and control over their finances. Sadly, confusion about complex topics like investing and debt payoff often leads to poor decisions. In this episode, host Nate sits down with Caleb Guilliams of BetterWealth, an expert in maximizing financial control. Caleb shares his journey to understanding the Infinite Banking Concept.  The discussion centers around a key framework - focusing less on projected investment returns and more on maintaining control. Listeners will gain several actionable insights, including how to evaluate when to access policy funds versus other lending options. This is a must-watch episode for anyone wanting to optimize control over their capital. ~ Access our FREE Infinite Banking Beginner course here: https://livingwealth.com/escapethebank ~ Get resources and transcripts from this episode by visiting: https://livingwealth.com/e208 ~ Do you get value out of the show? Please consider giving Dollars and Nonsense a five-star review on Apple Podcasts.   Financial Control Topics Discussed: Perspective Shift: How proper insurance unlocks financial control  Clarity Instigator: Why understanding comes before beneficial change Why Psychology Trumps Math: Emotions, not numbers, drive most money mistakes Relationship Revelations: Insights from an unlikely small-town bank job   The Mindset Multiplier: Books and mentors that accelerated success  The Holistic View: Why insurance is an "and asset" not an investment  Control and Growth: How to get both with the right foundations   Gaining Peace of Mind: Why debt leverage increases security and opportunity  Cashflow Creator: Rethinking "retirement" as future income planning Balance Boosting: Using personal balance sheets to understand debt payoff  Barbell Boosting: Ideas for creating high-reward, low-risk ventures Actionable Insights: When to use policy funds vs. other lending options

If you're an entrepreneur grossing 6 or 7 figures then this podcast is for you! Caleb with BetterWealth is hear to give you wise counsel on tax strategy, business strategy, and general life tips & tricks to help you keep more of your wealth and invest it wisely. BetterWealth - https://www.betterwealth.com/ BetterWealth's YouTube Channel - https://www.youtube.com/channel/UCThFkB73A_ICEu-LJV2abbw Follow Caleb - https://www.instagram.com/calebguilliams/?hl=en&kuid=5403d6b5-77dd-426c-b49c-4773159157dd&kref=QpXk4TnG8yYf Connect with Caleb - https://www.linkedin.com/in/calebguilliams/?kuid=5403d6b5-77dd-426c-b49c-4773159157dd&kref=QpXk4TnG8yYf

In this installment of the BetterWealth podcast, Caleb Guilliams speaks with financial expert, Garrett Gunderson, about the latest mortgage rule being implemented by Fannie Mae and Freddie Mac earlier this year which will punish people with good credit scores with high interest rates, to subsidize lower rates for individuals with bad credit. Basically, if you make good choices you get punished and if you make bad ones you get rewarded. Join us as we unravel the intricacies of this latest mortgage fee and the potential repercussions it has on individuals with strong credit scores. Tune in now to gain a deeper understanding of these critical financial developments and ensure you're equipped to make informed decisions about your financial future. If you find this discussion as enlightening as we do, remember to hit the "Follow" button, and don't forget to share this episode with friends and family who need to be in the know about safeguarding their financial well-being!

00:00 - How to Get Wealthy - Invest in Yourself With Accountability and Measurement 04:29 - Living Intentionally: A Guide to Achieving Wealth and Happiness 09:02 - Harnessing Cash Flow to Finance an Intentional Life 13:28 - Understanding the Cash Flow Equation: Creating Value, Spending and Saving Money 18:14 - Maximizing Your Personal Value Before Diversifying Your Investments 23:09 - Investing in Yourself: The Value of Profitable Skills 28:18 - Investing for the Long-Term and Generating Value for God's Kingdom 33:16 - Maximizing Your Saving and Investing Potential for Financial Well-Being 38:00 - The Benefits of Investing: An Overview of the Four Categories and Recommended Savings 42:45 - Managing Risk for a Secure Financial Future 47:35 - Planning for Success So You Don't Live With Regrets  Email Caleb at Caleb@betterwealth.comLearn more about Better Wealth Here Are you ready to break into commercial real estate investing? Are you looking for a christian community of peers and mentors to help you move quickly while avoiding expensive mistakes? If so, apply to be part of the Kingdom REI Mastermind! Click here to learn more.   

How to Create Better Wealth with The AND Asset - Caleb Guilliams Welcome to the Self-Funded with Spencer podcast! In this episode, we are thrilled to have Caleb Guilliams, founder of Better Wealth and author of "The And Asset." Spencer and Caleb discuss the power of life insurance as an investment tool, and how it can help people achieve their dreams while building wealth. Caleb shares his inspiring story of overcoming his insecurities and using his fear of failure to become a successful business owner focused on helping people with money. He explains how he used life insurance as a tool to improve his financial standing and how he founded Better Wealth Solutions, a company specializing in maximizing the benefits of life insurance. Caleb emphasizes the importance of education and mentorship, and how these principles have been instrumental in his success. He also discusses the multidimensional aspect of money and the power of giving your money more than one job. Throughout this podcast, you will learn about the benefits of overfunded life insurance, how to use life insurance in your investment portfolio, and the importance of creating content across multiple platforms to scale awareness of your business. Caleb and Spencer also discuss their experience with public speaking and the role of video content in building momentum and credibility, as well as the impact of creating "Value Leverage" Don't miss out on this exciting episode of Self-Funded with Spencer! Chapters: [00:00:09] Introduction of Caleb Williams and Personal Story [00:03:01] Overcoming External Factors and Pursuing Personal Growth [00:05:47] Early Career Success through Connection & Mentors [00:08:47] Overcoming Impostor Syndrome in Investment Banking [00:11:27] Caleb's journey out of banking [00:14:05] Maximizing Wealth with Overfunded Life Insurance [00:16:57] Wealthy Investors and Life Insurance [00:20:05] Importance of Intentional Investing and Life Insurance [00:22:50] Effects of over-funding on insurance contracts [00:25:37] Intentional living and using life insurance for financial gain [00:28:40] Teaching Entrepreneurs Financial Strategies & Value Leveraging [00:31:57] Maximizing Product/Service Value and Leverage [00:34:54] Leveraging Personal Experience for a Wider Audience [00:37:32] Multiplying Your Money: Combining Assets for Greater Returns [00:40:10] The Benefits of Public Speaking and Video Content [00:43:12] Repurposing Content for Maximum Reach [00:45:59] Content Creation and Frameworks [00:48:47] Creating a Living Legacy [00:51:25] Business as a platform for serving others Caleb Websites: Better Wealth - https://www.betterwealth.com/?r_done=1 The And Asset - https://www.andasset.com/ Buy the Book - https://www.amazon.com/Asset-Secret-Save-Your-Money/dp/1732724903 --- Support this podcast: https://podcasters.spotify.com/pod/show/spencer-harlan-smith/support

How to Create Better Wealth with The AND Asset - Caleb Guilliams Welcome to the Self-Funded with Spencer podcast! In this episode, we are thrilled to have Caleb Guilliams, founder of Better Wealth and author of "The And Asset." Spencer and Caleb discuss the power of life insurance as an investment tool, and how it can help people achieve their dreams while building wealth. Caleb shares his inspiring story of overcoming his insecurities and using his fear of failure to become a successful business owner focused on helping people with money. He explains how he used life insurance as a tool to improve his financial standing and how he founded Better Wealth Solutions, a company specializing in maximizing the benefits of life insurance. Caleb emphasizes the importance of education and mentorship, and how these principles have been instrumental in his success. He also discusses the multidimensional aspect of money and the power of giving your money more than one job. Throughout this podcast, you will learn about the benefits of overfunded life insurance, how to use life insurance in your investment portfolio, and the importance of creating content across multiple platforms to scale awareness of your business. Caleb and Spencer also discuss their experience with public speaking and the role of video content in building momentum and credibility, as well as the impact of creating "Value Leverage" Don't miss out on this exciting episode of Self-Funded with Spencer! Chapters: [00:00:09] Introduction of Caleb Williams and Personal Story [00:03:01] Overcoming External Factors and Pursuing Personal Growth [00:05:47] Early Career Success through Connection & Mentors [00:08:47] Overcoming Impostor Syndrome in Investment Banking [00:11:27] Caleb's journey out of banking [00:14:05] Maximizing Wealth with Overfunded Life Insurance [00:16:57] Wealthy Investors and Life Insurance [00:20:05] Importance of Intentional Investing and Life Insurance [00:22:50] Effects of over-funding on insurance contracts [00:25:37] Intentional living and using life insurance for financial gain [00:28:40] Teaching Entrepreneurs Financial Strategies & Value Leveraging [00:31:57] Maximizing Product/Service Value and Leverage [00:34:54] Leveraging Personal Experience for a Wider Audience [00:37:32] Multiplying Your Money: Combining Assets for Greater Returns [00:40:10] The Benefits of Public Speaking and Video Content [00:43:12] Repurposing Content for Maximum Reach [00:45:59] Content Creation and Frameworks [00:48:47] Creating a Living Legacy [00:51:25] Business as a platform for serving others Caleb Websites: Better Wealth - https://www.betterwealth.com/?r_done=1 The And Asset - https://www.andasset.com/ Buy the Book - https://www.amazon.com/Asset-Secret-Save-Your-Money/dp/1732724903 --- Support this podcast: https://podcasters.spotify.com/pod/show/spencer-harlan-smith/support

In this chat…we talk to Caleb Guilliams, the CEO of BetterWealth. This episode is all about how to support business owners in money management and responsible wealth creation. Interestingly, the podcast takes a turn where we learn a whole lot about how overfunding life insurance can be a compelling investment vehicle. Who would have thought. We also talk to Caleb about the journey of entrepreneurship and how he has built his business. Enjoy!Check out the podcast here.

Not everyone is built to work a 9 to 5 to earn cash… Which begs the question: how do you make your money work for YOU? We're not talking about taking shortcuts or the easy route to building wealth. This episode, we're discussing sustainable strategies to creating wealth with Founder & CEO of BetterWealth Solutions Caleb Guiliams. We talk about common mistakes most people make when building their finances and improving your wealth to live the life you want–and deserve.  If you loved this episode, don't forget to subscribe, rate, and share this podcast!  See you in the episode!    What we discussed in this episode: Introduction [00:00]  Caleb and his aim in helping people achieve better wealth [01:28] The allure of the world of finance [05:02] How Caleb leveraged money to benefit him [06:54] Two common mistakes people make when it comes to wealth [11:35] The global economic impact of the pandemic [15:51] There's no bad investment, just bad investors [18:33] Wealth-creation strategies with life insurance policies [21:12] What Caleb would tell the person he loves the most if it's his last day on Earth [23:49]   About Our Guest:  Starting out his financial career as an investment banker at the age of 19, Caleb Guilliams is passionate about helping people improve their money more efficiently to maximise their future wealth potential. That's when he founded BetterWealth Solutions in 2017. He authored the bestselling book, The AND Asset, and hosts his own podcast, the BetterWealth Podcast.   Resource Links: Better Wealth Website (https://betterwealth.com/) The AND Asset by Caleb Guilliams (https://amzn.to/2MEUt41) Listen to the Better Wealth Podcast (https://betterwealth.com/podcast) Your Social Voice Website (https://www.yoursocialvoice.com.au/) Become the Mogul of your industry (https://www.mogulcall.com) Join our Mogul Mastermind (https://www.mogulmastermind.com.au/)   Connect with The Kim Barrett Show: Subscribe on Youtube Follow Us on Facebook   Thanks for checking out today's episode! Be sure to tune in for the next one, subscribe, and share this podcast.See omnystudio.com/listener for privacy information.

How many times have you said the words, “You should sell these?” to someone after experiencing their creativity? We all have. Let's admit it. We're built to think about selling things that we're good at. From our handiwork to our speaking skills, whenever you're good at something, the highest compliment seems to be, “You're good enough to sell this! Start a business!” But should we? Today we talk to THREE business owners about this very topic. Our special guest, Caleb Guilliams, runs the successful Better Wealth YouTube channel and podcast. OG runs a successful financial advisory firm, and our newest roundtable regular, Paulette Perhach, operates a successful writing/coaching operation. Does it make sense to mix your passion with your business? What are the surprises you encounter if you even try? We'll cover all of that PLUS continue our yearlong trivia contest between our contributors on today's show. You'll find show notes for this episode at www.stackingbenjamins.com/caleb-guilliams-roundtable-1254. Deeper dives with curated links, topics, and discussions are on our newsletter, The 201, available at StackingBenjamins.com/201. Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

There are tangible obstacles that stand in people's way to becoming wealthy, but a lot of the problem has to do with the way people think about money and wealth generally. In today's #Highlights episode, we feature our conversations again with entrepreneurs Caleb Guilliams, Russ Morgan, and Joey Mure. They talk about the importance of having a building wealth mindset to really achieve true wealth.Caleb talks about the ideas that he presents in his book, The AND Asset, and the misconceptions people have about growing their wealth. Meanwhile, Russ and Joey walk us through their four-step process to get people on the path to financial freedom and talk about where people often get stuck. Enjoy the show!

Notes: Caleb Guilliams is the Founder and CEO of BetterWealth, a company committed to showing people how to have efficiency and control over their money today while maximizing their future wealth potential. He is also the author of The AND Asset, hosts the BetterWealth Podcast, and speaks worldwide.In this episode, Caleb talks to Dr. Glenn Vo about how a “Financial X-ray” can reveal blindspots in a person's financial portfolio. And these blindspots are inefficiencies that prevent you from achieving your financial goals.The BetterWealth platform works with entrepreneurial-minded people with a desire to live intentionally. They lead with education and offer various financial products and services in a 100% virtual environment. To learn more about the BetterWealth Platform, visit their site here: https://www.betterwealth.com/ Visit our site to get free resources and dental discounts https://niftythriftydentists.com/ And make sure you join our Facebook Group of over 45k Dental Professionals - Nifty Thrifty Dentists https://www.facebook.com/groups/niftythriftydentists

Caleb Guilliams is the founder and CEO of BetterWealth, a company committed to showing people how to have efficiency and control over their money today while maximizing their future wealth potential.   At an early age, Caleb read every financial book he could get his hands on and was fascinated with the idea of ordinary people being able to achieve extraordinary wealth.   While still in college, he was promoted to take over the entire investment division at a local community bank where he committed to finding a better way to wealth for his clients. He traveled across the country for over two years learning from top financial experts. He eventually discovered proven strategies and principles that can empower anyone to create and protect real wealth.   Caleb is one of the youngest leaders in the industry and is quickly becoming The New Face of Finance. Excited to share and impact as many lives as possible, Caleb authored The AND Asset, hosts the BetterWealth Podcast, and speaks around the world. He has a passion for financial education and is on a mission to help people see and reach their highest potential.    Read the show notes here: https://arcbound.com/podcasts/    Links: Homepage: Arcbound.com Services/Work with Us: https://arcbound.com/work-with-us/ About: https://arcbound.com/about/ Founders Corner: https://arcbound.com/category/founders-corner/ Connect: https://arcbound.com/connect/

Think of your income like water flowing into a bucket. Are there any holes in your bucket? Folks like Caleb Guilliams, founder and CEO of BetterWealth, help you seal those holes through wealth efficiency tactics designed to save people money so they can live a more intentional lifestyle.  Recently at ClickBank's Platinum Summit in Costa Rica, he spoke with Thomas McMahon about keeping what's already earned in the bank, or better yet: invested in growth strategies for your business. After speaking with clients, on average they save $30,000, which he says is more valuable than simply pulling a lever and making $30,000, once you factor in the take-home value of those earnings. Caleb speaks across the country about wealth management and works directly with clients. You can contact him at: caleb@betterwealth.com Learn more at: betterwealth.com 

BlueCollar.CEO –Caleb Guilliams is the Founder and CEO of BetterWealth, a company that shows people how to take control of their money and turn it into unprecedented wealth. Caleb began his journey into wealth creation at an early age by reading every financial book he could get his hands on. He was fascinated with the idea of ordinary people being able to achieve extraordinary wealth. Fast forward to his college days. Caleb took over the investment department of a bank by the age of 19, where he saw firsthand how 98% of Americans were financially failing despite "professional" financial advising. He traveled across the country for over two years to learn from the most successful financial minds. Leaving his prestigious position at the bank, Caleb founded BetterWealth, authored the best-selling book The AND Asset, became the Host of the BetterWealth Podcast, and speaks to thousands worldwide. He is quickly becoming the new face of finance.In this episode, Ryan and Caleb discuss how to understand the financial position of your business, how your tax spend is being leveraged, and how much money you can save. Caleb encourages you to take a step back and ask yourself what  "wealth" is to you.  Caleb has also given our listeners the fantastic opportunity to access the BetterWealth X-ray, a process to see exactly where you are at financially. Make sure to visit The BetterWealth X-Ray , click "get your xray", and type in the coupon code- dpmarketing. You have to take advantage of this opportunity!!

Caleb Guilliams is the Founder and CEO of BetterWealth, a company committed to showing people how to have efficiency and control over their money today while maximizing their future wealth potential. At an early age, Caleb read every financial book he could get his hands on and was fascinated with the idea of ordinary people being able to achieve extraordinary wealth.   While still in college, he was promoted to take over the entire investment division at a local community bank where he committed to finding a better way to wealth for his clients. He traveled across the country for over two years learning from top financial experts. He eventually discovered proven strategies and principles that can empower anyone to create and protect real wealth.  Caleb is one of the youngest leaders in the industry and is quickly becoming The New Face of Finance. Excited to share and impact as many lives as possible, Caleb authored The AND Asset, hosts the BetterWealth Podcast and speaks around the world. He has a true passion for financial education and is on a mission to help people see and reach their highest potential. Connect with Caleb: www.betterwealth.com -- The King's Council's mission is to help you discover and deploy your God-given talents. Our signature coaching program will give you the tools, tactics and strategies to radically change and level up in all areas of your life.  Visit https://www.kingscouncilcoaching.info/discover (kingscouncilcoaching.com) to find out more about unleashing your God-given talents.  For the Kingdom Money Principles Cheat Sheet, text “Money” to 727-472-3860. -- This episode is brought to you by Ankrrd Coffee. Ankrrd Coffee is a coffee company unlike any other!  Not only do they provide the most delicious and fresh coffee on the market, they also are positively impacting the communities where the coffee is grown in.   Ankrrd Coffee is on a mission to change the world through coffee and as a subscriber of this podcast, you can get 15% off your order by visitinghttps://impacttheworld.coffee/ ( impacttheworld.coffee) today and use the promo code KING15 at checkout.  -- If you loved what you heard, Follow, Rate and Review this podcast onhttps://podcasts.apple.com/us/podcast/kings-council-podcast/id1548021619 ( Apple Podcasts ) You can also listen to the show on: https://spoti.fi/3waQvB5 (Spotify) https://amzn.to/364ftHE (Amazon Music) https://bit.ly/35s8mbW (Google Podcasts) https://bit.ly/36k6W3P (Stitcher) Subscribe to our Youtube Channel: https://bit.ly/3pYVALm (https://bit.ly/3pYVALm) -- Follow the King's Council on Instagram https://www.instagram.com/kingscouncilcoaching/ (@kingscouncilcoaching ) Follow Rylee Meek on Social Media Instagram -https://www.instagram.com/theryleemeek/?hl=en ( @theryleemeek) Facebook - https://www.facebook.com/rylee.meek (facebook.com/rylee.meek)

If people want success, be it in their profession or the pursuit of financial freedom, they need to live with intentionality. To build better wealth, they need to be ready to face their fears. In this episode, Craig Curelop discusses investing, intentionality, and life insurance with Better Wealth Solutions Founder and CEO Caleb Guilliams. Caleb looks back at his journey, learning from mentors along the way. Full of valuable insight, seekers of financial freedom will need to listen to Caleb's words. If you want to join our affiliate program, go to www.rentredi.com and use our CODE: INVEST2FI to get 50% off on your first 6 months.Love the show? Subscribe, rate, review, & share! invest2fi.com

What were you doing when you were 19 years old? Caleb Guilliams was leading a bank's investment department when he was 19. No, he did not take any shortcuts. He did not have any connections. Back then, he only had this unwavering passion to learn and give value.  He used this experience to build his own company called Betterwealth, which now serves individuals as a one-stop-shop for better financial decisions. He joins us in this episode to talk about his journey, the services his company provides, and his bestselling book, “The AND Asset.”   [00:01 - 05:14] Opening Segment   Caleb Guilliams worked in a bank's investment department at 19 years old   Here's how he landed this job This is the book that changed Caleb's approach in dealing with clients [05:15 - 15:54] Better Financial Decisions Why Caleb started Betterwealth in the first place Caleb explains “value leveraging” and why investors should consider it 3 things Caleb did to build credibility What business owners really care about according to Caleb He gives us a sneak peek into his book, “The AND Asset” What's the “and” asset really? [15:55 - 17:40] Closing Segment A financing mistake you want our listeners to avoid Devaluing yourself while investing your money Reach out to Caleb Links below Final words   Tweetable Quotes “If you have a no-brainer offer and you amplify that, you'll become extremely wealthy, have influence, and serve a ton of people.” - Caleb Guilliams “I do see the value of connecting the marketplace with capital with operators that are creating value using real estate and making that connection.” - Caleb Guilliams “Make sure that you don't devalue yourself in the process of building wealth.” - Caleb Guilliams -----------------------------------------------------------------------------   Email caleb@betterwealth.com to connect with Caleb or follow him on LinkedIn. Your one-stop shop for every financial decision is just a click away! Visit Betterwealth now!    Check out his personal website to learn more about his work. GRAB a copy of his book, “The AND Asset” here.    Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   Caleb Guilliams  00:00 You ever realized, like, I knew about money, but I didn't really know how the game worked. And so I would like do a fact finder review with them. And then I always I did like the Simon Sinek, Start With Why. And I just did that mainly out of like to defer to the next meeting because I'm like, I don't know what I'm talking about. So like, let's get really clear on why you do what you do. And then what I did when they left is then I started calling the account managers at our broker and the IMOs and just saying, Okay, what is the best way to do this and they had to do official things because I didn't have all the licenses at the time. What I learned from that is the genius of starting with why and the genius of asking people what they actually want.   Intro  00:37 Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we will teach you how to scale your real estate investing business into something big.   Sam Wilson  00:48 Caleb Guilliams is the founder of Betterwealth, a company committed to show people how to be more efficient and control their money. He also authored “The AND Asset,” and he hosts the Betterwealth Podcast. Caleb, welcome to the show.    Caleb Guilliams  00:58 Man, it is pleasure to be here, man. It's good to be on the show.   Sam Wilson  01:02 Pleasure's mine. 90 seconds or less, tell me where did you start? Where are you now? How did you get there?   Caleb Guilliams  01:07 I grew up in central Wisconsin, oldest of six kids, my dad was a doctor, realized real fast that I didn't, I wasn't gonna walk in his footsteps. First job was gutted chickens then worked at a bank took over banks investment department when I was 19 years old, realized that the financial planning industry is all about selling products. And not really about helping people get results. I was super young, even looked younger. And so I had some people I think, pity me and felt sorry for me. So they mentored me, realize that there is more to life than just making money left the bank when I was 21, to start Betterwealth. And now we work with people in all 50 states helping them achieve financial freedom, which we call intentional living and help them take back control their wealth. So that's the 90-second version.   Sam Wilson  01:47 Man, I love it. That's great. How did you score a job at 19? Running a bank's investment department?   Caleb Guilliams  01:53 It, yeah, great question. When I was 15 years old, I started getting chickens read books on money and became obsessed when it came to money, and just wanted to learn more about it. And so I had a friend of mine who was like, you know, the best way to learn because I was homeschooled. So I always thought a little outside the box, said the best way to learn is to work at an environment that stretches you. And so they had a connection, who got me a job at the bank at 17 as a teller, so I was there working as a teller, it was one of the best jobs I ever had because it boosts my confidence. And then I just had the mentality that I was going to do every job I could. And I was an HR nightmare because they only paid me so many hours. So I just worked for free, I would show up to meetings, even though just to get my input, I would talk to the CEO, I was like the teller that was talking about with the CEO and how we could grow the bank and grow revenue. And so I was always into investments. When I was 18, they allowed me to work part-time as the investment assistant. And I just ran with it, the investment director at the bank left to take another job. At 19 years old, I was the only somewhat qualified person. And so that's, that's how I got lucky. And I also worked my butt off to get myself in that position. And then from there, I was supposed to just be the interim, but I was there until I left. So it was just one of those things were grateful for the experience. I look back and think what were the banks thinking? What was my boss thinking? But I'm just grateful.   Sam Wilson  03:13 Well, I kind of, I mean, tell me, what were the type of investments that you were directing people towards?   Caleb Guilliams  03:19 Mainly there was, I mean, mutual funds, their 401(k)s, there were annuities, fixed annuities, and then some basic life insurance stuff. So it was pretty basic. And it was really like people would come in, and it would be like, Oh, instead of a CD, because why would you want to put your money in a CD, we have an investment person and and so we had, like 350 clients. Nothing crazy. It was like a typical financial planning office, local office.   Sam Wilson  03:46 Right. That's cool. So I'm assuming had to go out and get your licenses, certifications? I don't know what you would need, six, seven, six.   Caleb Guilliams  03:54 Yeah. So what's interesting is when I first took over, I didn't have all my licenses. And so I was working with the broker. So like clients would come in, I had no clue, you have to realize, like, I knew about money, but I didn't really know how the game worked. And so I would like do a fact finder review with them. And then I always I did like the Simon Sinek start with why. And I just did that mainly out of like to defer to the next meeting. Because I'm like, I don't know what I'm talking about. So like, let's get really clear on why you do what you do. And then what I did when they left is then I started calling the account managers at at our broker and the IMOs. And just from saying, Okay, what is the best way to do this? And I had to like, they had to do official things, because I was I didn't have all the licenses at the time. What I learned from that is the genius of starting with why and the genius of asking people what they actually want. Because in the financial industry, we're all about jargon like oh, let's like the talk about the 4% rule and the diversification and all that stuff. And that doesn't translate into value, that doesn't translate into results. And so although I started out of just not knowing what I was doing, I realized that it was effective to get really, really crystal clear on what they wanted. And then I would communicate with the other people, This is what they want, will this tool or widget help them get closer to that? So again, someone didn't know a ton about money, but I connected those dots were unfortunately in our space, I don't think those dots connect with everybody in the financial industry.   Sam Wilson  05:15 No, gosh, no, absolutely not. So tell me about what you're doing Now. Would you say it's built better wealth? I know I read it here in the beginning, but yeah, since close, so yeah. Why did you form build Betterwealth? What does that look like now?   Caleb Guilliams  05:27 Yeah, so better. off.com is the company and essentially was working at the bank had a mission statement that said, help people see and reach their highest potential. I wake up every day like with that passion of people realizing and living to their God-given potential. And so with that, I'm looking at the bank that I'm in, and I'm grateful for the experiences, but with compliance with the lack of ability market bill, the team, like it just became really clear that this would be an amazing job. No one would say, Caleb, you're 21 you're slacking at the corner office of the bank. But I just knew like there was so much more as it relates to education. But then I wanted to do this whole internet thing, which five and a half years ago, it's the internet was a thing, but like, even like, it wasn't as popular and the thought of like coaching people and educating people on the internet just was a little bit like people weren't all about that. So I just was like, you know, what, what do I have to lose, I was still living at home, I had money saved up. And I just don't want to live life with regret. And I knew that if I stayed, that would be a potential decision, I would regret. And so I left. And with this just vision of like, I didn't know really what to do. I was just like, we're going to help people, to people that really believed in the cause. Our first office was in the basement of a Papa John's building, nothing sexy there. But we just, you know, started and we had a few people become our client and then slowly but surely, people like started saying, like, hey, I want to learn more how we made our money was we did insurance. And then we also referred out to investments. And now currently, we have an RA which does assets, we have an insurance arm, we have a tax company, we have a coaching company, and we actually have a little bit of a software company as relates to helping people and it all goes back into helping people live more intentionally with their money. And some people use it all some people use a product or two. And so that's Betterwealth is a makeup but it's been a journey of five and a half years of building and bringing on other experts.   Sam Wilson  07:15 Yeah, that's really intriguing. I love that and talk to us about scaling. You're obviously in the financial services industry, you touch real estate, like you said, you have your assets division, but talk to us more, maybe we'll spend a little bit more time here nuanced talking about scaling the business itself, be more than we'll talk real estate, can you kind of walk us through that process?   Caleb Guilliams  07:34 Yeah, so I love the concept of scale. And when I started Betterwealth, I couldn't articulate what I now call value leveraging. But I wanted to create a magnet effect I wanted people to come to us. And and that was why I liked the Internet and other things. And so in the financial industry, probably a lot like the real estate industry, there's a lot of people that are smart, that create value, but they have no leverage behind that value. And one of the reasons I love real estate and what I believe it's the greatest asset, one of the greatest assets out there is you can use leverage to acquire it, it can appreciate it can create cash flow, there's certain tax benefits. And so but one of the amazing things is you can get leverage for that, whereas a lot of other businesses it's hard to. And so levers are an incredible amplification from the business. And so I have pretty much a whole talk that I help people with leverage. And so it's like, number one, you have to create value. That's the thing that a lot of people forget about is like you can leverage but if you leverage a crappy real estate deal, it's not gonna, it's you're just gonna accelerate a problem. And so number one, you have to ask yourself, Is your business, is your service, is your product, actually valuable supply and demand? Do people actually want it and the market will decide if it's valuable. If it's valuable, then we have to look at what are the different ways that we can amplify that go one to many, and there's media, that's amazing. There's code, that's amazing. There's labor, that's amazing. There's OPM, other people's money. And so it's finding out like there's influence and charisma, there's finding out what are little levers that I can put into my business that can create that amplification effect. And so what I did is I was self-aware enough to know I'm 21 and look like I'm 15. So I need credibility and influence. So I self publish a book, I started a podcast and interviewed other experts. And I just said that, that I'm now a speaker. So those are three things that I did that like were a little levers that increase my status. And then the internet allowed us to create that platform to go one to many. And we started using podcasts and videos. And all of those, like this video that's created isn't a leverage effect. Because we're meeting we're having a conversation and if one more person listens to this, that's not like, our input is the same, and the output is unlimited. So those are the kinds of things that I'm obsessed with. And I just I think again, I couldn't articulate all at 21. But I knew I wanted to build a business around leverage. But the biggest mistake people make is they're not valuable, and so it's still to this day, are we fully leveraged? No, my mindset's all about making our products and services the best that can be because I know leverage will just amplify the value that we bring to the marketplace.   Sam Wilson  10:00 When you made a comment here a second ago, I'd love some clarification on you said the biggest mistake people make because they're not valuable. What does that mean?   Caleb Guilliams  10:06 They think their investments and businesses and services are valid, valuable. So when when I say value, there's only two things that can create business, like business can only create two things. It's a service or a product. And a lot of people think I just need to get my message out there, I just need to leverage what I'm doing. But the problem is their service or product is not valuable, meaning like people like, it's not as valuable as they think it is. And so when they leverage or they amplify that message, people just realize, oh, this product sucks. And now more people know that it sucks, and not just the micro, you know, your micro group. And so I the big thing, when I'm coaching or encouraging people is really make sure the Lean Startup like make sure before you go, you know, met to the masses, make sure that your thing your product or service is super valuable and irresistible, and a no-brainer offer. If you have a no-brainer offer and you amplify that, you'll become extremely wealthy, have influence, and serve a ton of people. If your offer's not like not good, you're just gonna accelerate to going out of business.   Sam Wilson  11:03 What are some no-brainer offers that you guys have implemented in your business? Just to give some examples that people to get the wheels turning?   Caleb Guilliams  11:11 Yep. This is honestly, in the financial service space is tricky. One of the reasons why we're bringing on a tax company is to create that no-brainer offer, because when you ask, you know business owners, because that's primarily who we serve, like, how can we help you? What are you worried about at night, they're not worried about compound interest, they don't really care about their 401(k) or SEP IRA. Like all these things that we do for business, like, Oh, I could, you know, better investments, I can overfund life insurance for you, I can help you be more efficient like all those things are great. But like, that's not really what they care about. What they care about is taxes. They hate overpaying taxes, they feel like their CPAs aren't doing their job. And they just hate it. Hate it hate it. And so I've heard this for years and years and years. And so I'm like, Okay, what if instead of trying to convince you or sell you something that you don't really want? What if I just created a company with the least amount of friction helped you save money on taxes? And then oh, by the way, once you're in the door, what are you going to do that with all those savings? Are you going to spend it? Or can we invest it and be more strategic with it? So the reason we have a tax company is to create a no brainer offer. And that's just the best example I can make in a service business where we have to be careful, it's like, you can't make any guarantees. You have to be very, very careful. But it's like how can you create that experience that people say, you know, what I want to work with Betterwealth, not just on the tax side, but across the board.   Sam Wilson  12:28 What about your back end service providers? If you guys have let's talk real estate for a second, if you guys have an asset division, yeah, that you probably have operators, deal sponsors there that are kind of you know, that you guys have known like and trusted. What does that process look like for you? And how do you interact and work with them?   Caleb Guilliams  12:45 So real estate, we have a lot of clients that do real estate syndications and real estate because it's an amazing asset class. And to date, we don't touch the real estate from a standpoint of like, hey, we'll raise funds or if you're a real estate investor, we are usually your “and” so we do a lot of overfunded life insurance. And if you want to do market-based activity, which quite frankly, if you're in real estate, know the power of it, I wouldn't necessarily recommend putting your money in indexes or ETFs. Again, it's just all about based on where you want to put your money. To date, we don't have any real estate connections. Now, in 2023, one of the areas becoming more valuable is we're creating a platform and all we're going to do is connect people, we have to be very careful not to make recommendations. We can't make a commission on this. But I do see the value of connecting the marketplace with capital with operators that are creating value using real estate and making that connection. So I don't know if that answered your question. But we're more of a someone that hopefully can enhance and improve your deal. But we're not the one that's connecting you to the direct deal at this point.   Sam Wilson  13:47 Right, understood that. Talk to me about the asset. What does that mean? That's the title of the book. It's unique. What is that? What does it even mean?   Caleb Guilliams  13:53 Make a long story short, the “AND” asset is just another name for overfunded whole life insurance. And, you know, I'll be very frank, when I started working at the bank, I grew up under Dave Ramsey. Thought debt was bad thought life insurance was the worst place to put your money. And so when I started hearing this concept of like, oh, life insurance could be a tax-free investment. I was like, Okay, let me like, look into that. And I realized that majority of people that sell life insurance, sell it wrong, talk about it wrong, but like the epiphany that I had was everyone's that's talking about life insurance is bad-mouthing investments, and they're like saying all these things, but really life insurance is not even an investment. It's not legally an investment. And really what it could be is an alternative place to store capital that gives you pretty better growth in your savings account gives you creditor protection, gives you special tax advantages, gives you a state value benefits and gives you the ability to collateralize that money utilize that capital while you still get all the benefits of life insurance long term. So I'm like why is the life insurance industry hating investments? Why did the investment industry hate life insurance like actually these two things can be an “and” like life insurance could be part of your stock portfolio. Life insurance could be used to purchase real estate. A life insurance could be at the foundation, or at least a bond alternative. And so it's just been on this journey of like saying, hey, like, I do not like the whole sales concept of like, you need this, you don't need anything. It's like if life insurance can help you live more intentionally and unlock certain things, that would be interesting. And so I personally save over six figures a year in the life insurance, why it's not an investment, I just would rather save in a place that would get a better yield and have more benefits than a savings account. But I use it as my opportunity fund to invest in businesses. That's where I invest currently, but it could be in anything. And so I don't know if that answers your question, but that was like the epiphany that I had. And then in the more research, and we're making a movie, and my book is all about not that life insurance is the end. It's not the end solution. But it's like, I think it's a pretty amazing enhancer, whether you're looking into retirement, whether you're an entrepreneur, whether you're a real estate investor, I wouldn't ask the question, should you do this? Or that you should ask the question. Would this be an answer to what I'm currently doing?   Sam Wilson  15:55 Right. That's absolutely awesome. Caleb, I've enjoyed this today. Unfortunately, we are out of time, man, I got a dozen more questions I can hit you up with. But let's jump here into the final three questions. What is one mistake you could help our listeners avoid and how would you avoid it?   Caleb Guilliams  16:08 That's an amazing question. And I would say the one mistake that I've made is trying to convince by saving my identity, and realizing that my identity doesn't come from you doesn't come from your listeners doesn't come from the money or success. But it's so much deeper than that. And if you actually understand that, you're going to be a lot happier, and you're not going to make dumb mistakes in the future trying to save your identity.    Sam Wilson  16:32 Got it. That's awesome. Man. I love that question. Number two for you is, when it comes to investing in the world, what's one thing you're doing right now to make the world a better place?   Caleb Guilliams  16:39 I believe the greatest investment you can make is in yourself, and I think a lot of people are devaluing themselves as they think about money in their investments. And so if I can have one message that rains on. It's: make sure that you don't devalue yourself in the process of building wealth.   Sam Wilson  16:53 Got it. I love it. Last question. If our listeners want to get in touch with you or learn more about you, what's the best way to do that?   Caleb Guilliams  16:58 Betterwealth.com. And you can email me at Caleb@betterwealth.com. And if you email me and reference this show, I will give you a bunch of free checklists that we use and that we give away to to people that want to learn more about how to be more efficient with their money.    Sam Wilson  17:14 Awesome. Caleb, thank you for your time.    Caleb Guilliams  17:15 Thank you.    Sam Wilson  17:16 Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen, if you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories so appreciate you listening. Thanks so much and hope to catch you on the next episode.

This is the Levels of Wealth Podcast! In today's podcast, our guest Caleb Guilliams is the founder of BetterWealth, author of the best-selling book "The AND Asset", and speaks to thousands around the world about a better way to build wealth. One of the youngest leaders in the industry, Caleb is quickly becoming The New Face of Finance. Let's dive right into it... Connect with Caleb Guilliams on Social: Instagram: https://www.instagram.com/calebguilliams (https://www.instagram.com/calebguilliams) Get the entire “AND Asset” vault: https://www.andasset.com/vault (https://www.andasset.com/vault) Check out Levels of Wealth's socials! Instagram:https://www.instagram.com/levelsofwealth/ ( https://www.instagram.com/levelsofwealth/) TikTok:https://www.tiktok.com/@levelsofwealth ( https://www.tiktok.com/@levelsofwealth) Facebook:https://www.facebook.com/groups/levelsofwealth ( https://www.facebook.com/groups/levelsofwealth) Linkedin:https://www.linkedin.com/company/80886994 ( https://www.linkedin.com/company/80886994) Twitter:https://twitter.com/levelsofwealth ( https://twitter.com/levelsofwealth) Apple Podcast:https://podcasts.apple.com/us/podcast/levels-of-wealth/id1604438536 ( https://podcasts.apple.com/us/podcast/levels-of-wealth/id1604438536) Spotify Podcast:https://open.spotify.com/show/3qznnAW7UDjFNhWK5CYUlP ( https://open.spotify.com/show/3qznnAW7UDjFNhWK5CYUlP) Website:https://levelsofwealth.com/ ( https://levelsofwealth.com)

Today's guest is redefining the framework for wealth and how to achieve it. He is also an author and host of a popular podcast. Dave Bookbinder goes Behind The Numbers with Caleb Guilliams, Founder and CEO of Better Wealth; author of The AND Asset; and host of the Better Wealth podcast. In this episode, Caleb shares why your goals are the key to creating a wealth strategy and why YOU are your most valuable asset.  He also shares how he's created an engaging culture and other insights gleaned from his podcast guests. Check out more of Behind The Numbers on YouTube Check out more of Behind The Numbers on RVN Television Behind The Numbers is available wherever you get your podcasts Please subscribe to keep up with the latest episodes, and please rate the podcast so that others might find it – and please let me know what part of the world you're tuning in from! About the Host: Dave Bookbinder is the person that clients reach out to when they need to know what their most important assets are worth. Dave is a Managing Director at B. Riley Financial, where he works closely with business owners, CFOs, Controllers, and CEOs.  Dave has conducted valuations of the securities and intangible assets of public and private companies for various purposes. Please connect with him on LinkedIn and check out https://www.NewROI.com Want to share your insights with the business community? Message Dave to learn how you can be a guest on Behind The Numbers. https://linktr.ee/BehindTheNumbers THANK YOU FOR PUTTING BEHIND THE NUMBERS IN THE TOP 5% MOST POPULAR PROGRAMS GLOBALLY, ACCORDING TO LISTEN NOTES!!

BlueCollar.CEO –Caleb Guilliams is the Founder and CEO of BetterWealth, a company committed to showing people how to take back control of their money and turn it into unprecedented wealth. Caleb began his journey into wealth creation at an early age by reading every financial book he could get his hands on. He was fascinated with the idea of ordinary people being able to achieve extraordinary wealth. Fast forward to his college days, Caleb took over the entire investment department of a bank by the age of 19, where he saw firsthand how 98% of Americans were financially failing despite "professional" financial advising. He traveled across the country for over two years to learn from the most successful financial minds. Eventually, he discovered a better way to build and protect real wealth. Leaving his prestigious position at the bank, Caleb founded BetterWealth, authored the best-selling book The AND Asset, is Host of the Better Wealth Podcast, and speaks to thousands worldwide. He is quickly becoming The New Face of Finance.In this episode, Ryan and Caleb talk about living intentionally, managing your money, investing, and building a better lifestyle for you and your family. 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast as we share with you an in-depth mini series on real estate. Listen as Matt and I discuss real estate notes, buying notes and buying other people's mortgages and the pros and cons of investing in this asset class. https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast as we share with you an in-depth mini series on real estate. Listen as Matt and I answer three commonly asked questions regarding how much do I need to put down, would I use a property manager and should I invest in break even or cashflow. https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast as we share with you an in-depth mini series on real estate. Listen as Matt and I discuss wholesale real estate investing and the pros and cons of this strategy of real estate. We also talk about why this is a great way to invest little while learning a lot about real estate, but why it wouldn't be the greatest investment strategy if you are looking to build cashflow.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast as we share with you an in-depth mini series on real estate. Listen as Matt and I discuss investing in land and more specifically land development. We discuss the observations, the pros and cons of investing in land for development. Be sure to catch our previous episode when we talked about land flipping and on ground funding as mentioned in this episode.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast as we share with you an in-depth mini series on real estate. Listen as Matt and I discuss investing in land and more specifically land flipping. We discuss the pros and cons of investing in land that you can flip and sell to other buyers.  Be sure to check out more real estate content on Matt's Podcast “Ice Cream With Investors” https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast as we share with you an in-depth mini series on real estate. Listen as Matt answers a few commonly asked questions around whether the housing market is too high, best practices for finding tenants and whether or not you need an LLC to invest in real estate.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we discusses the Real Estate Investment Trusts, what REITS are,  the pros to investing in REITS and the cons so you can better understand if this is an asset class you should be investing in.

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we discuss crowdfunding real estate investing and the pros & cons of this asset class.

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we discuss large multi family apartment complexes and the pros & cons of this asset class. https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we answers a few commonly asked questions around Heloc for investing in other properties, 1031 exchange time limits, what do I do with bad tenants and Cash for Keys, as well as, discussing whether you should invest in real estate when the market seems too high.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we break down the small multi family real estate investment strategies, the pros and the cons. Even with the secret of duplexes and house hacking being a popular starter investment plan, I share a few places to learn more and best ways to become better familiar with the strategy.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we discuss my positive experience with the BRRR Method. We also talk about the pros and cons of the BRRR Method and why it's a bit more hands on than your typical passive cash flow real estate investment. https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we discuss real estate investing with homes that are being flipped. Listen as we talk about the pros and cons of flipping homes, why quick turn around can be attractive, but long term passive cashflow can be hard to obtain and why skill set can be one of the most valuable assets when flipping.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we answer commonly asked questions about real estate round tax benefits, building a real estate team, and the pros/cons of having a real estate license. https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode we talk about real estate investing and single family homes, the pros/cons, the good, bad and ugly and whether or not this would be a good investment for you. https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/) 

In today's episode listen as I sit down with Caleb Guilliams, host of the BetterWealth Podcast and break down in an easy step-by-step comprehensive approach investing into real estate. Listen as we break down in an easy step-by-step comprehensive approach investing into real estate. On today's episode Matt shares with us the 3 Principles of Real Estate 1.) Buy For Cash Flow 2.) Secure Long Term Low Leverage Finance 3.) Keep Cash For A Rainy Day.  https://ice-cream-with-investors.captivate.fm/ (https://ice-cream-with-investors.captivate.fm/)