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August 13, 2025 37 mins

In this episode of the Freedom and Prosperity Podcast, host Desi Arnaz sits down with Matt Ruttenberg, 401(k) specialist and co-owner of Life Inc. Retirement Services, to reveal the surprising flexibility and opportunities hidden inside retirement plans — especially for entrepreneurs and small business owners.

From custom-built plans to tax strategies and self-directed investing, Matt shares how 401(k)s can go far beyond the “cookie-cutter” options most people are used to. Whether you’re a solo entrepreneur, running a growing company, or looking for new ways to invest through your retirement account, this conversation will open your eyes to what’s truly possible.

Key takeaways from this episode include:

  • Why not all 401(k)s are created equal — and how to customize one for your needs.
  • How business owners can offer retirement plans that attract and retain top talent.
  • Strategies for using your 401(k) to invest in real estate, private lending, cryptocurrency, and more.
  • The difference between IRAs, Solo 401(k)s, and employer-sponsored plans.
  • How the right structure can lower your taxable income and accelerate wealth-building.

Matt also explains how entrepreneurs can design plans that benefit themselves and their employees — while staying compliant and maximizing flexibility.

Guest Info: Matt Ruttenberg – 401(k) Specialist & Co-Owner, Life Inc. Retirement Services Website: http://401k.expert/ Email: matt.ruttenberg@lifeincrs.com

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on the Freedom and Prosperity Podcast at FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn from your story.

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