Money & You with Michelle Perkins

Hosted by Michelle Perkins

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Nov 2026

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About the show

Your connection with money should be one of the best relationships in your life. Is it? Certified coach and CEO of Limit Free Life, Michelle Perkins breaks down your relationship with money - offering tough love money tips and a money dating plan that focuses on lifting the barriers to success by uncovering underlying money beliefs, illuminating what’s driving money behavior, and paving the way for a better relationship with money and increased wealth. It’s time to take control. Michelle, along with her expert guests, offers insight and understanding from her own career journey that has taken ventures from zero to a Million $$ in five years. We change, the world changes, and our careers can change. Michelle’s mission is to help ambitious, driven entrepreneurs and professionals move into (or better yet, create) work that satisfies the soul, creates the financial prosperity that they need and want, and empowers them to live the life they desire.

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60 recent

November 9, 202643 min

Ep 246: Don’t Just Retire from Something—Retire to Something

October 26, 202629 min

Ep 245: Love, Money, and Control: When Financial Help Crosses the Li

October 20, 202650 min

Ep 244: Time in the Market, Not Timing the Market: Getting Started with Investin

October 12, 202616 min

Ep 243: From Self-Doubt to Abundance: Believe You Deserve It

October 5, 202644 min

Ep 242: Drama-Free Finances: Taking Control of Your Money with Brooke Dean

September 29, 202647 min

Ep 241: Can You Afford to Retire? Start With This Number

How much money do you need to retire? $1 million? $2 million? $5 million?According to financial advisor Ben Batiste, that may be the wrong question.In this episode of Money and You, Michelle talks with Ben, founder of Crestmark Wealth Group, about a different way to think about retirement planning—one that begins not with a target account balance or a particular age, but with the income you will actually need to support your life.Ben's perspective comes from both professional expertise and a his personal history with money.Growing up with significant financial instability and periods of homelessness, Ben entered the military at 18 with very little financial education. When he finally began earning his own money, he ran up against his lack of financial knowledge and his own relationship with money.As he explains, when you've gone without something for a long time, finally having money can create a powerful desire to give yourself everything you didn't have before—even when doing so works against your future.That experience eventually helped shape the kind of financial advisor Ben wanted to become: one who begins with education and planning rather than simply selling a financial product.Michelle and Ben explore how our history with money influences our decisions, what consumers should look for when choosing a financial professional, and why a successful retirement requires much more than watching an investment account grow. In This Episode, You'll Learn 10:20 — When you finally have what you never had: Why deprivation can sometimes lead to spending rather than saving 12:08 — How do you know whom to trust with your money? What Ben believes consumers should look for when talking with financial professionals 13:08 — Don't blindly believe the first financial advice you hear: Why education and asking better questions matter 15:31 — Product or financial plan? One important warning sign when interviewing a financial professional 17:16 — Why financial planning is like going to a doctor: The importance of understanding the problem before prescribing a solution21:37 — How much do you really need to retire? Why Ben believes retirement should begin with income rather than a target asset balance 24:04 — Taxes, inflation and future income: Why retirement planning needs to look beyond investment growth 26:52 — Where will your retirement income come from? Looking at the entire financial picture, including investments, real estate, businesses, retirement accounts and Social Security 28:50 — When should you take Social Security? Why the answer depends on your individual situation rather than simply your age 31:05 — Why financial planning can feel scary: The emotions that can make us seek quick answers instead of doing deeper planning 38:00 — Some of the most expensive retirement mistakes: Sequence-of-returns risk, Social Security timing, taxes, healthcare costs and choosing products without a plan Retirement Isn't an Age—or a Magic NumberOne of Ben's most important messages is surprisingly simple:Retirement is about income.People often focus on accumulating a particular amount of money and assume that once their portfolio reaches that number, they'll be ready to retire.But an account balance alone doesn't tell you whether you can support your lifestyle for the rest of your life. Ben approaches retirement planning by reverse engineering it.How much income will you actually need?Where will that income come from?How will inflation affect what you'll need in the future?What role will Social Security play?How much of your retirement money will be taxable?Are required distributions going to affect your tax situation later?What other assets or income sources do you have?Once those questions are considered, you can begin determining what assets and strategies are needed to produce the income you're trying to create.Don't Start With the ProductBen also offers an important piece of advice for anyone interviewing a financial professional.Pay attention to whether the conversation begins with you—or with a product. The plan should determine which tools are appropriate—not the other way around.Your Relationship With Money Comes With YouBen's childhood also brings another important dimension to this conversation.Growing up without financial stability didn't automatically turn him into a saver when he began earning money. Quite the opposite.It's an important reminder that financial behavior isn't driven simply by what we know.Our history, emotions, fears and experiences with money come with us.Retirement Requires More Than SavingBuilding assets matters, but Ben identifies several issues that can have a major impact on retirement if they aren't considered ahead of time. These include: Sequence-of-returns risk Social Security timing Taxes Required minimum distributions Healthcare costs Buying products without a plan The earlier you begin thinking about these issues, the more choices you may have. They are explained in the podcast in more detail.It's Not Necessarily Too LateOne of the most hopeful parts of the conversation comes full circle to Ben's childhood.His mother, whose financial struggles contributed to the instability Ben experienced growing up, is now preparing to retire.She doesn't have the large investment portfolio people often assume is necessary. But by focusing on the income she will need and creating a plan around the resources available to her, Ben says she is on track to retire at 70 with enough income to support herself.About Ben BatisteBen Batiste is the founder of Crestmark Wealth Group, where he brings investments, taxes, retirement and estate planning together into a coordinated strategy for professionals, business owners, military families and pre-retirees.A former Marine and Army veteran with four overseas deployments, Ben moved into financial services with a commitment to making financial planning more transparent and understandable.His philosophy is that financial planning should be understood, not blindly trusted, and much of his work focuses on educating people so they can make informed decisions with greater confidence. Ben also shares financial education through his YouTube channel, Retirement Planning Made Simple. Resources & LinksConnect with Ben BatisteCrestmark Wealth Group- https://www.crestmarkwealth.com/ cressmarkwealth.com/podcast YouTube: Retirement Planning Made SimpleBen can also be found on LinkedIn and Instagram.Ben has created a resource page for listeners that includes a financial quiz, educational resources, an eBook and newsletter. Connect with MichelleLimit Free Life® — limitfreelife.com Email: team@limitfreelife.com Have a money, career, or business question you've been avoiding? Visit Limit Free Life to connect with Michelle and explore free resources.Listen to Money and You on your favorite podcast platform and watch on the Limit Free Life YouTube channel.If you enjoyed this episode, please subscribe, rate, review and share it with someone who could benefit from the conversation.

September 9, 202653 min

Ep 240: The Million-Dollar System for Small-Business Success

Is Your Business Creating Freedom—or Just Giving You a More Demanding Job? A Conversation with Young Han What if the real measure of business success isn’t how much revenue you generate, but whether your business can operate and grow without depending on you for everything? In this episode of Money and You , Michelle talks with entrepreneur, investor, and business operator Young Han , who is on a five-year sprint to own 20 cash-flowing businesses. He currently operates 14 companies, including a fractional CFO and COO firm , Blue Ocean Pool Service , a Blooming Blinds franchise , and Owners Club, a community for small business owners. Young’s long-term vision extends beyond building his own portfolio. Inspired by his father’s experience as an immigrant small-business owner, Young wants to help more people use business ownership as a path into the middle class—and create greater financial stability, opportunity, and freedom for themselves and their families. Young shares the failures, experiments, and career changes that led him to small-business ownership. After attempting to build wealth through approaches including individual stocks, cryptocurrency, real estate, and angel investing, he recognized that his strongest skills were in operating and growing businesses.That realization eventually led him to develop and test an operating system designed specifically for small businesses working toward their first $1 million or $2 million in annual revenue. In This Episode, You’ll Learn: Why Young believes small-business ownership can help rebuild the American middle class Why failure needs to be treated as a normal part of entrepreneurship The surprising difference between succeeding in a corporate job and succeeding as an entrepreneur Why early-stage business owners need to become “great at being good” How expertise can become a limitation when an owner tries to do everything personally Where Young sees opportunities in trades, home services, and other essential businesses Why Young initially built businesses instead of acquiring existing ones Why the first $1 million in revenue can be such an important milestone Why operating systems need to be introduced earlier in a company’s development What the “absence test” reveals about whether you own a business or a job Why discipline is often more important than extraordinary talent Getting Comfortable With Being “Good Enough” One of Young’s most interesting observations is that the skills rewarded in corporate life can sometimes make entrepreneurship more difficult.In a corporate role, people often advance by developing deeper expertise in a particular area. An early-stage business owner, however, may need to shift constantly among marketing, sales, operations, hiring, finances, and customer service.Young describes his process as a spiral staircase of “good enoughs.” You establish a workable product, move to marketing, improve sales, address hiring, and then return to each area as the business grows. Over time, those layers can develop into excellence. Why Essential Businesses May Offer Growing Opportunities Young believes trades, home services, manufacturing, and other needed, basic businesses offer meaningful opportunities today.Consumers need reliable painters, plumbers, electricians, pool-service providers, cleaners, gardeners, carpenters, welders, and other skilled workers. In many areas, simply answering the phone, communicating clearly, arriving when promised, and thanking customers can distinguish a company from its competitors.Although artificial intelligence may eventually affect nearly every industry, Young believes hands-on service businesses may be less immediately vulnerable than many white-collar roles.These businesses may not always appear glamorous, but they can provide essential services, create jobs, generate dependable cash flow, and give skilled workers a pathway to ownership. The Importance of Reaching the First $1 Million Young’s operating system focuses on helping businesses progress toward their first $1 million to $2 million in annual revenue.Before reaching that level, many owners remain trapped in a cycle of selling the work and then personally delivering it. They may be too busy to build systems but lack the cash flow to hire the people who could relieve their workload.Revenue alone, however, is not Young’s ultimate goal. A large company that cannot function without its owner may provide less freedom than a smaller, well-run company with strong systems and capable leadership. Do You Own a Business—or a Job? Young uses two questions to evaluate true business ownership: Can the business operate without you? Can the business grow without you? If every important decision, sale, customer relationship, or operational task still depends on the owner, that person may have created a highly demanding job with greater risk rather than a transferable business.Young refers to this as the “absence test.” The goal isn’t necessarily to leave the company completely. It is to create the choice to step away—or to participate only in the parts of the business you genuinely enjoy. About Young Han Young Han is an entrepreneur, investor, and business operator on a five-year sprint to own 20 cash-flowing businesses.He currently operates 14 companies and hosts the Girl Dad Show , a podcast about building companies without disappearing from the family you are building them for. Connect With Young Owners Club: owners.club Owners Club offers a free community for small-business owners, including networking opportunities, expert-led classes, and live coaching sessions.Young also offers a self-guided course introducing his small-business operating system, individual implementation support, and fractional CFO and COO services for larger companies. Connect With Michelle Do you have a money or career question you’ve been hesitant to ask?Schedule a free virtual coffee chat with Michelle—a casual, no-pressure, 20-minute conversation where you can bring one question or situation you’re wrestling with and talk it through. Learn more and schedule your conversation: limitfreelife.com You can also find Money and You on the Limit Free Life YouTube channel and your favorite podcast platforms.If you enjoyed this conversation, please subscribe, rate, and review the show. It helps more people discover these conversations and allows us to continue bringing thoughtful guests and practical financial education to you. This episode is for educational purposes only and should not be considered individualized financial, investment, tax, or legal advice. Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575 Please rate, review, and share the show with friends and family who want to feel more confident and in control of their financial lives — it really helps us! Join the Limit Free Life® Community & Newsletter: https://limitfreelife.com/newsletter/ https://substack.com/@livealimitfreelife Learn more about Michelle Perkins & Limit Free Life®: https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle: https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channel https://www.youtube.com/@michelleperkins-limitfreel2446 The content shared on Money & You is for informational and educational purposes only and does not constitut

August 31, 202647 min

Ep 239: Buckets of Money and Beyond: A Comprehensive Approach to Retirement Planning

What Does Your Retirement Really Need to Look Like? A Conversation with John Link Retirement planning is about much more than choosing investments or pursuing the highest possible return. It’s about understanding how all the pieces of your financial life work together—and making decisions based on the life you actually want to live.In this episode of Money and You, Michelle talks with John Link, president of Link Financial and Link Wealth Management and author of The Importance of Everything. John helps individuals who are approaching or living in retirement turn their savings into sustainable income plans. His approach emphasizes education, transparency, thoughtful conversations, and planning around the individual—not simply around a portfolio.John shares his unexpected career transition from the grocery business into financial services and explains how the lessons he learned managing stores, employees, and extremely narrow profit margins continue to influence his work today. One of the most important was what he calls “four-wall responsibility”: taking ownership of everything happening within your area of responsibility.That same principle applies to money. Avoiding a financial decision is still a decision, and understanding what you have—even when the news isn’t perfect—allows you to begin making thoughtful choices.Michelle and John also discuss why retirement decisions cannot be made through generic rules. Advice about Social Security, taxes, retirement accounts, inheritances, and investment strategies must be considered in the context of a person’s health, family, goals, income needs, and overall financial situation. In This Episode, You’ll Learn: - Why retirement planning is about more than investment returns - Why personal responsibility is an important part of financial well-being - How the financial industry can make people feel unnecessarily intimidated - Why there are no “dumb questions” when discussing your money - How your retirement vision affects the amount of income you will need - Why it may make sense to spend more during your early “go-go” retirement years - How lifelong money habits can follow you into retirement - How family meetings can make estate planning easier for everyone - Why treating beneficiaries fairly doesn’t always mean giving them identical assets - The difference between the economy and the stock market - How “buckets of money” can support short-, medium-, and long-term needs - The importance of looking beyond your workplace retirement account Planning for the Life You Want One of the most important retirement questions has nothing to do with the market: What do you actually want your retirement to look like? Some people want to travel extensively. Others want to remain comfortably at home, help their children, support charitable causes, or leave a meaningful inheritance.John explains that retirement spending often changes over time. The early years may be the best opportunity for travel and other physically active experiences. These are sometimes called the “go-go years,” followed by the “slow-go” and “no-go” years.By creating a thoughtful income and expense plan, people may discover that they can afford to enjoy more of their money while they have the health and desire to do so. Why Family Financial Conversations Matter Financial planning also includes preparing the people you love.John encourages families to talk openly about estate plans, healthcare directives, responsibilities, inheritance expectations, and where important information can be found. These conversations may feel uncomfortable, but they can prevent confusion, resentment, and additional distress during an already emotional time. Creating Different Buckets for Different NeedsRather than treating every dollar the same way, John discusses creating separate “buckets of money” for different time periods and purposes.Money needed for today’s expenses should not necessarily be handled the same way as money that may not be needed for another five, ten, or twenty years. Separating immediate spending, future income, and longer-term growth can help people avoid relying on volatile investments for current living expenses.Taxes also need to be considered. The amount shown in a tax-deferred retirement account is not necessarily the amount available to spend because taxes may be owed when the money is withdrawn.This is why retirement planning involves not only asset allocation—how money is invested—but also asset location, or where different types of investments are held. About John Link John Link is president of Link Financial and Link Wealth Management and a fiduciary investment advisor representative with Royal Fund Management.Before entering financial services, John spent 23 years in the grocery industry, becoming the youngest store manager in his company at age 23 and eventually managing millions of dollars in revenue and hundreds of employees.For more than three decades, he has helped individuals approaching or living in retirement create sustainable lifelong income plans. His philosophy is that retirement planning should put people ahead of portfolios and emphasize transparency, education, and individual needs.John is also the author of The Importance of Everything. Connect With John Website: https://johnlinkcompanies.com/ Book: The Importance of Everything, available on Amazon Connect With Michelle Do you have a money or career question you’ve been hesitant to ask?Schedule a free virtual coffee chat with Michelle—a casual, no-pressure, 20-minute conversation where you can bring one question or situation you’re wrestling with and talk it through. Learn more and schedule your conversation: https://limitfreelife.com/You can also find Money and You on the Limit Free Life YouTube channel and your favorite podcast platforms.If you enjoyed this conversation, please subscribe, rate, and review the show. It helps more people discover these conversations and allows us to continue bringing thoughtful guests and practical financial education to you.This episode is for educational purposes only and should not be considered individualized financial, investment, tax, or legal advice. Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575 Please rate, review, and share the show with friends and family who want to feel more confident and in control of their financial lives — it really helps us!Join the Limit Free Life® Community & Newsletter: https://limitfreelife.com/newsletter/https://substack.com/@livealimitfreelifeLearn more about Michelle Perkins & Limit Free Life®: https://limitfreelife.com/ Have a money or career question? Book a free virtual coffee chat with Michelle: https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446 John Link is an Investment Adviser Representative with Royal Fund Management, LLC, an SEC Registered Investment Adviser. This content is for informational purposes only and does not constitute personalized financial advice. Full disclosures will be provided at the end of this video. Advisory services are offered through Royal Fund Management, LLC, Link Wealth Mgmt. Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through (Link Financial). Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products. Information presented does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. The information should not be construed as an offer to buy or sell or a solicitation of any offer to buy or sell securities mentioned here. This presentation should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the advisor as of the date of the presentation and are subject to change. Past performance may not be indicative of future results; therefore, no current prospective client should assume that the future p

August 17, 202652 min

Ep 238: How to Hire or be hired in the Age of AI

AI has changed the job search—and knowing how to use ChatGPT is no longer enough.In this episode of Money and You , I talk with talent acquisition expert Andrea Hoffer , founder of AHA Talent Experts and creator of the AI-powered Dream Hire Engine, about how artificial intelligence is transforming hiring from both sides of the equation.What should job seekers be doing differently? What AI skills are employers actually looking for? Should you customize your resume for every job? And how can you use AI to make yourself more valuable in the work you already do? Andrea brings 30 years of talent acquisition and management experience to this conversation, and her advice for job seekers is especially important: don't just learn AI—learn how to use AI in your profession. If you're between jobs, this can be an incredible opportunity to experiment. Build workflows. Improve a process. Create a tool. Solve a real problem in your field.We also talk about how AI is changing things for employers. Instead of immediately asking, "Can AI replace this employee?" Andrea encourages businesses to start with the outcome they need and determine the right combination of human skills and AI to achieve it.In some cases, AI might even help a good employee overcome a skill gap and become far more effective.The future of work may not be humans versus AI at all.It may be humans plus AI. CHAPTERS 00:00 How AI Is Changing the Job Search 02:16 What's Different About Hiring Now? 04:26 The Unintended Consequences of AI in Hiring 06:00 Can Employers Still Trust a Resume? 13:24 Do Cover Letters Still Matter? 16:30 Why You Should Customize Your Resume 18:00 What AI Skills Are Employers Looking For? 26:00 Don't Just Learn AI—Use It in Your Profession 31:00 How Employers Should Think About AI and Jobs 41:00 Where AI Can Save Businesses Time 46:51 Can AI Help a Struggling Employee Succeed? 47:51 Building Dream Teams With AI + Humans ABOUT ANDREA HOFFER Andrea Hoffer is the founder of AHA Talent Experts and creator of the AI-powered Dream Hire Engine . With 30 years of experience in talent acquisition and management, Andrea helps leaders hire, engage, and retain great people while integrating AI into their businesses.Through the Dream Hire Engine, fractional talent acquisition leadership, and AI Quick Wins, Andrea helps businesses rethink how people and AI can work together to create better outcomes. CONNECT WITH ANDREA Find Andrea Hoffer on LinkedIn. https://www.linkedin.com/in/andreahoffer/ AHA Talent Experts: www.ahatalentexperts.com For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575 Please rate, review, and share the show with friends and family who want to feel more confident and in control of their financial lives — it really helps us! Join the Limit Free Life® Community & Newsletter: https://limitfreelife.com/newsletter/ https://substack.com/@livealimitfreelife Learn more about Michelle Perkins & Limit Free Life®: https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle: https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channel https://www.youtube.com/@michelleperkins-limitfreel2446

August 10, 202645 min

Ep 237: Why Banks Use Life Insurance—and How You Can Apply the Same Principles

Most of us think of life insurance for one primary purpose: providing a death benefit to the people we leave behind.But what if certain types of life insurance could also play a role in cash flow, debt management, and long-term wealth-building strategies?In this episode of Money & You , Michelle Perkins sits down with financial educator, author, and Financial Literacy Group founder Ron Harris for a conversation about financial literacy, consumer debt, life insurance, and his approach to what he calls hybrid financial arbitrage . Ron explains how his years of studying money and economies around the world shaped his perspective on the American financial system—and why he believes consumers need to understand more about the financial strategies traditionally used by banks, corporations, and wealthy families.The conversation takes a deeper look at Indexed Universal Life (IUL) insurance , cash value, policy loans, overfunding policies, and the ways Ron incorporates life insurance into his approach to debt reduction and wealth building.Michelle and Ron also explore a much broader issue: how little many of us actually know about where our money goes.Because whether you're evaluating an insurance strategy, paying down debt, investing, or simply trying to get ahead, financial progress starts with understanding your own cash flow. In This Episode You'll Learn How Ron's international experience influenced his views about money and debt Why he believes Americans need a different relationship with consumer debt The difference between viewing life insurance primarily as a death benefit and viewing it as a financial asset How cash value can accumulate within certain permanent life insurance policies How policy loans work within the strategy Ron describes How Ron combines cash-flow technology with life insurance in his hybrid financial arbitrage approach Why understanding discretionary income is so important Why tracking spending often changes financial behavior How Ron approaches life insurance differently depending on age, family structure, debt, and financial goals Why financial education should come before purchasing any complex financial product Key Moments 03:00 – How international travel and studying global economies shaped Ron's financial philosophy 04:50 – Consumerism and America's relationship with debt 05:25 – Why Ron believes insurance and investing shouldn't always be viewed as completely separate conversations 08:00 – How banks and corporations use life insurance 11:45 – Understanding cash value and borrowing within a policy 15:25 – Age considerations when evaluating permanent life insurance 18:35 – A case study illustrating Ron's approach 20:55 – Discovering $6,000 a month in unaccounted-for discretionary income 27:00 – How Ron's cash-flow technology works 35:10 – Why simply seeing where your money goes can change your financial behavior 38:20 – Ron's upcoming book, The New American Dream Key Takeaways Know where your money is going. One of the most striking examples in the conversation involves a client who appeared to have approximately $6,000 each month in discretionary income but couldn't identify where it was going. Before sophisticated financial strategies come into play, awareness matters. Interest can dramatically increase the real cost of what we buy. Understanding how debt fits into your overall financial picture is an important part of financial literacy. Permanent insurance can involve premiums, cash value, death benefits, policy loans, interest, fees, tax considerations, and specific policy structures. Understanding exactly how a proposed policy works is critical. Don't purchase a financial product simply because someone tells you it's what wealthy people or banks use. Understand how your particular policy works, what it costs, what assumptions are being made, and how it compares with your alternatives. Once you begin tracking your money and understanding your cash flow, it becomes much harder to ignore financial habits that aren't serving you. Questions to Ask Before Considering a Cash-Value Life Insurance Strategy If you're considering an IUL, whole life policy, or another permanent insurance strategy, ask: What portion of my payment is the actual insurance premium? How much goes toward cash value? What fees and insurance costs will I pay? Which values are guaranteed and which are projections? What interest or index-crediting assumptions are being used? Is there a cap, participation rate, spread, or other limitation on credited returns? What interest rate applies when I borrow against the policy? What happens if I don't repay a policy loan? Could outstanding loans reduce the death benefit? What happens if the policy lapses with a loan outstanding? How would this strategy compare with paying down debt directly and investing separately? What are the tax consequences if the policy becomes a Modified Endowment Contract? How does my age and health affect the cost of insurance? Is this strategy appropriate for my specific financial goals and cash flow? About Ron Harris Ron Harris is an author, financial educator, and founder of Financial Literacy Group LLC . He holds a master's degree in Global Marketing and Communications from the University of Essex in the United Kingdom and has spent more than two decades studying money, credit, debt, and wealth-building strategies across different economies.His work focuses on financial literacy and an approach he calls hybrid financial arbitrage , which combines cash-flow and debt-management technology with specially structured permanent life insurance.Ron is the author of multiple books on financial strategies and retirement, including Hybrid Retirement Arbitrage . His upcoming book, The New American Dream , explores debt, retirement, financial products, fees, insurance, and alternative approaches to building wealth. Resources Mentioned Financial Literacy Group Hybrid Financial Arbitrage Indexed Universal Life (IUL) insurance Bank-Owned Life Insurance (BOLI) Corporate-Owned Life Insurance (COLI) Hybrid Retirement Arbitrage by Ron Harris The New American Dream by Ron Harris Ron Harris: financialliteracy.group A Note for Listeners This episode discusses a specific financial and life-insurance strategy presented by the guest for educational purposes. Permanent life insurance products can be complex, and results depend heavily on the particular policy, costs, assumptions, funding, loans, tax treatment, and individual circumstances.Before purchasing or restructuring a policy, consider reviewing the actual policy illustration and discussing the strategy with qualified financial, insurance, and tax professionals who can evaluate it in the context of your overall financial plan. Connect with Michelle Perkins & Limit Free Life ® Building financial confidence starts with understanding your money—not avoiding it. For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575 Please rate, review, and share the show with friends and family who want to feel more confident and in control of their financial lives — it really helps us!Join the Limit Free Life® Community & Newsletter: https://limitfreelife.com/newsletter/ https://substack.com/@livealimitfreelife Learn more about Michelle Perkins & Limit Free Life®: https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle: https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channel

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