The Wealth Without Wall Street Podcast

Did you know that infinite banking isn’t technically an investment? So why are investors flocking to it? In today's conversation, the dream team of financial coaches breaks down the Infinite Banking Concept (IBC) and why it’s one of the best wealth-building tools available to investors.

The coaches explore how IBC helps investors leverage their money for growth, the key differences between traditional investing methods like rea...

Have you considered investing in senior housing? In this episode, Brian Burke joins Russ and Joey to discuss why this real estate sector is one of the most promising investment opportunities today, as the silver tsunami hits the US.

With an aging population, demand for senior living facilities is skyrocketing, creating immense potential for investors. Brian explains the unique cash flow opportunities in this asset class, what invest...

Wondering where to invest in 2026? In today's discussion, the financial coaches look into the 2026 investment landscape, revealing what’s set to boom and what’s expected to bust in the coming year. Drawing on insights into economic trends, market shifts, and emerging investment opportunities, they discuss strategies to help investors navigate the next phase of market evolution.

Whether you’re a beginner or an experienced investor, u...

Many aspiring business owners believe buying a franchise is a shortcut to success, but Cliff Nonnenmacher explains why that assumption leads to costly mistakes. In this episode, Cliff joins Russ and Joey to share his journey from Wall Street investment banking to building, scaling, and exiting multiple franchise businesses.

Drawing from decades of experience, Cliff explains why most people fail in franchising, not because the mo...

Are you still hunting for the elusive "silver bullet" investment, only to be met with "easy money" pitches and shiny object syndrome? Many new investors get stuck, either looking for a done-for-you solution that keeps them dependent on others or simply not knowing where to look.

In today's conversation, the financial coaches break down the required skill sets to become a smart investor. The coaches also outline the three essenti...

You did everything “right” to become a doctor, so why does freedom still feel out of reach? Many physicians look successful on paper yet feel trapped by long hours, relentless responsibility, and a paycheck that still controls their schedule. In this episode, Russ and Joey sit down with Dr. Vikram Raya to explain why high income doesn’t equal freedom and what actually changes the game.

Vikram breaks down the eight forms of weal...

Many people believe their success with Infinite Banking hinges on choosing the perfect insurance company. In today's discussion, the financial coaches challenge that assumption head-on and explain why it’s usually the wrong place to focus.

The conversation breaks down a critical truth about Infinite Banking. The coaches explain why no policy, carrier, or illustration can replace disciplined cash-flow management, investor behavior, a...

Are you looking for a path to business ownership? In this episode, franchise expert Jon Ostenson joins Russ and Joey to discuss why franchising, especially non-food franchising, is a great path for investors looking to achieve business ownership and financial freedom.

With years of corporate leadership experience, Jon discusses his transition into franchising and offers insights for aspiring investors on aligning their goals with th...

Starting your investment journey can be overwhelming, but it doesn’t have to be. Learn the mindset shifts and practical steps to avoid common beginner mistakes and start winning in investing.

In today's conversation, the financial coaches discuss the mindset and strategies beginner investors need to develop to succeed in different investment avenues. They break down the critical first steps for anyone looking to get started, how to ...

The economy looks strong on paper, but why does it feel harder than ever to get ahead? The answer may explain who wins and who falls behind next. In this November 2025 Passive Income Report, Russ and Joey break down the growing reality of the K-shaped economy, where markets continue to rise while everyday earners feel increasingly squeezed. They explain why inflation punishes wage earners but rewards asset owners, and how this wide...

Did you know that successful investors don’t outgrow Infinite Banking? They just learn why paying cash quietly erodes their wealth. 

In today's conversation, the financial coaches take a deeper look at whether Infinite Banking still makes sense for seasoned investors with passive income already flowing. They explain why high-income earners and experienced investors should rethink how they use cash and how IBC becomes even m...

Have you ever wondered how the ultra-wealthy structure their investments to preserve and grow their wealth? In this episode, Tad Fallows, an expert in high-net-worth investing, joins Russ and Joey to discuss the strategies behind building $10M+ portfolios. Tad provides valuable insights into how top investors manage their wealth. He explains the mindset and practical steps that can turn passive income into substantial wealth, empha...

Have you ever wondered how wealthy retirees ensure their legacy lasts for generations? In this episode, the financial coaches explore the hidden wealth strategy retirees are using to build and pass down generational prosperity. 

As traditional retirement plans and Wall Street methods lose their appeal, more retirees are turning to alternatives that offer greater control and a lasting legacy. The key? The infinite banking sy...

Have you ever wondered how you can make money in real estate without rushing through flips or facing massive risks? In this episode, Scott Jelinek joins Russ and Joey to share his proven method for building wealth through real estate investing by focusing on slow flips. Unlike traditional fast-paced house flipping, the slow flip strategy focuses on purchasing foreclosures, renovating them, and turning them into long-term cash-flowi...

Most entrepreneurs overpay for health insurance without realizing there’s a flexible, lower-cost option that fits their financial freedom plan.

In this episode, the financial coaches break down one of the most misunderstood topics for entrepreneurs: the real differences between traditional health insurance and health sharing programs. They explain why many business owners feel trapped by rising insurance costs and how health sharing...

What could be more terrifying than facing enemies on the battlefield or disarming a bomb? For military men, leaving the service can be more unnerving than combat because it means losing their identity and purpose. How can veterans overcome the fear of the unknown and build new paths to success after service?

In this powerful episode, Jonathan Bates joins Russ and Joey to share his experience transitioning from the military and the c...

You've probably heard that Indexed Universal Life (IUL) is an excellent tool for building wealth, but is it really the best option for Infinite Banking? In this episode, the financial coaches dive into why Indexed Universal Life (IUL) may not be the best tool for your financial freedom, despite what your financial advisor might have told you. 

The coaches explore the complexities of IULs and why they can be riskier than who...

We all want to achieve financial freedom, but there's no single path to getting there. What is the right way to go?

In this episode, Russ and Joey have a heated debate about the best way to create passive income and achieve financial freedom. Though the duo has reached $50,000 per month in passive income, they completely disagree on how to do it. Russ advocates for investing in deals with long-term equity returns that may take y...

Are you curious about how banks make lots of money? In this episode, the financial coaches dive into one of the lesser-known financial strategies that banks use to build wealth: Bank-Owned Life Insurance (BOLI). 

While BOLI is typically utilized by financial institutions to create long-term, tax-deferred growth, the coaches break down how anyone can apply the same principles to their own financial strategies. They explain h...