Wise Money Tools

Hosted by Dan Thompson

Business Investing

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Episodes

397

Latest episode

Oct 2026

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About the show

Learn everything you want to know about Infinite Banking, Leveraging Life Insurance, Real Estate, Bitcoin, Bitcoin mining and ways to skyrocket your wealth. Dan has been in the financial planning business for almost 40 years. Starting out as a stockbroker, Dan learned quickly that the Wall-Street methods simply do not work. Join Dan on his journey to finding the most predictable, wealth building investments that Wall Street won't tell you about. Don't miss the Wise Money Tools Podcast--with Dan Thompson.

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60 recent

October 21, 20266 min

Ep 398 - Learn These Words Or Stay Broke

This one touched my heart. Our Spanish host, Briseida, left shoot day early to join a finance class in Spanish, because finance terms are different from everyday English and Spanish, and she wanted to truly understand what she teaches. It hit me: I grew up with parents who lived paycheck to paycheck, and I was never taught money either. She's probably not alone, and neither are you. Start with the terms: compounding, leverage, time value of money, rate of return, ROI, IRR, net operating income, appreciation, dividends, capital gains, passive income, tax mitigation and more. Then master three things: how to leverage assets, create passive income, and reduce or eliminate your taxes. You don't have to be a financial genius, just willing to learn, the Yieldz way, the Wise Money Tools way. Ready to build wealth safely, with smart leverage and tax advantages? Book a strategy session: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #FinancialLiteracy #FinanzasPersonales #EducacionFinanciera #MoneyMindset #WealthBuilding #PassiveIncome #TaxStrategy #SmartLeverage

October 15, 20264 min

Ep 397 - The 4% Rule Will Wreck Your Retirement

The 4% rule sounds comforting until you stress test it. Say you have $1M in retirement accounts: 4% is $40,000 — but after taxes that's closer to $32-33K of spendable income, maybe $55-60K with Social Security. Now drop that into 2022: markets fall 15-20%, your $1M becomes $816K — about four years of income gone. Next year, do you take 4% of the original million or 4% of what's left? Do you add the inflation adjustment? This is how retirement plans implode, because nobody can predict when the market takes its hit. The rule assumes perfect conditions, and perfect conditions no longer exist. Ysurance flips the conversation: instead of selling assets to create income, it's designed to produce income monthly, predictably, and tax advantaged when structured correctly — starting with safe, guaranteed life insurance foundations, then leveraging into cash-flowing assets, while the system keeps compounding behind the scenes. Build around four keys: time, compounding, wise leverage, and tax advantages. Want to build a multi-generational income strategy? Book a strategy session: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #RetirementPlanning #4PercentRule #WealthBuilding #TaxStrategy #PassiveIncome #FinancialFreedom

October 8, 20265 min

Ep 396 - The Rich Don't Own Assets, They Control Them

The safest asset isn't your 401k, your rental property, or your stock portfolio — it's control. When you control an asset, you control the cash flow, the tax treatment, and the leverage. Step 1: label every asset you own as controlled by you or controlled by the market. Step 2: open a properly structured cash value life insurance policy built for cash value, not death benefit. Step 3: use that policy as collateral to acquire income-producing assets — including Bitcoin production instead of Bitcoin speculation, through the YLDZ token (accredited investors only). We also cover how to run strategic Roth conversions using your tax bracket instead of guessing. Let math decide, not tradition. Ready to build your strategy? Book a session: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #ControlYourAssets #BitcoinIncome #InfiniteBanking #WealthBuilding #TaxStrategy #PassiveIncome #FinancialFreedom

September 23, 20266 min

Ep 395 - You're Poor Because of These Words

She's recorded 100+ videos for our channel — and just told me she never fully understood the terms she was saying on camera. It broke my heart, and made me realize how many of you probably don't understand them either. Terms to know: compounding, leverage, time value of money, rate of return, ROI, IRR, net operating income, debt service ratio, appreciation, dividends, capital gains, passive income, mortgage amortization, tax deductions, tax mitigation. Three things build wealth: leverage assets, create passive income, cut your taxes. Want help applying this? Book a strategy session: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #WiseMoneyTools #FinancialLiteracy #WealthBuilding #PassiveIncome

September 16, 20264 min

Ep 394 - Why The 4% Rule Fails

The 4% retirement rule sounds simple: build a large portfolio and withdraw 4% each year. But what happens when the market drops 20% shortly after you retire? You're not just dealing with investment losses. You're still withdrawing money while your portfolio is down — creating what many investors know as sequence-of-returns risk. That's why retirement planning shouldn't rely solely on selling assets to generate income. A strong strategy should consider multiple factors, including: ⏳ Time 📈 Compounding ⚡ Wise leverage 💰 Tax advantages The goal? Build a strategy designed to create income while protecting and growing your wealth over time. Want to explore a different approach to retirement income and wealth building? 📩 Contact Dan at Dan@wisemoneytools.com to ask questions or schedule a strategy session. #retirementplanning #retirementincome #financialfreedom #wealthbuilding #investing #financialplanning #retirement #passiveincome #wealthstrategy #taxplanning #personalfinance

September 9, 202613 min

Ep 393 - The 50/30/20 Rule Is Wrong

Most people know the 50/30/20 rule: 50% for needs. 30% for wants. 20% for saving and investing. But what if you flipped it? The 30/50/20 approach puts saving and investing FIRST — because you can never get yesterday back, and the sooner your money starts compounding, the more time it has to grow. The goal isn't to eliminate everything you enjoy. It's to make sure your savings, investments, and essential expenses are covered before lifestyle spending takes over. Start where you can. Even 10% is better than waiting. Want to learn more about strategies for building wealth, increasing cash flow, and reducing taxes? 📩 Reach out to Dan at Dan@wisemoneytools.com with your questions or to schedule a strategy session. #personalfinance #financialfreedom #wealthbuilding #budgeting #savingmoney #investing #moneymanagement #financialeducation #compoundinterest #payyourselffirst #cashflow #wealthcreation

September 2, 202615 min

Ep 392 - Stop Building Wealth Backwards

Building wealth isn't about making more money and hoping everything works out. It's about having a strategy. In this video, Dan breaks down five essential principles for building long-term wealth : living below your means, investing early, using leverage wisely, educating yourself, and setting clear financial goals. The goal isn't just to survive retirement. It's to build enough income-producing assets that your money can work for you. Want to learn how these strategies could apply to your financial goals? 📩 Email Dan at dan@wisemoneytools.com or schedule a strategy session through the link below. #wealthbuilding #financialfreedom #investing #retirementplanning #passiveincome #personalfinance #moneymindset #financialeducation #wealthmanagement #investingtips

July 8, 20269 min

Ep 389 - How Money Actually Grows

You don't build wealth overnight. You build it through small actions repeated over time. The four keys: ⏳ Time 📈 Compounding ⚡ Leverage 💰 Tax Advantages The question is: Is your money working as hard as you are? 📩 dan@wisemoneytools.com 📅 Book a strategy session: https://api.meetpaddy.co/widget/bookings/danthompson #wealthbuilding #financialfreedom #investing #money #compounding #passiveincome #taxstrategy #leverage #retirementplanning #financialeducation

July 1, 20265 min

Ep 386 - Your Cash Value Is Sleeping

Your cash value shouldn't just sit there. The wealthy have used leverage for generations: Store capital safely. Access liquidity. Create opportunities. Keep money working. The goal isn't taking unnecessary risk. It's making your money more efficient. 📩 dan@wisemoneytools.com 📅 Book a strategy session: https://api.meetpaddy.co/widget/bookings/danthompson #wealthbuilding #cashvalue #lifeinsurance #financialfreedom #moneystrategy #investing #taxstrategy #passiveincome #financialeducation #legacyplanning

June 24, 20264 min

Ep 385 - Your Retirement Plan Is Broken

For decades, people were told the same retirement formula: Save. Invest. Wait. Hope. But what happens when the market crashes right before retirement? A 30%, 40%, or 50% drop can change everything. The question isn't just how much money you have. It's whether your money is built to survive. 📩 dan@wisemoneytools.com 📅 Book a strategy session: https://api.meetpaddy.co/widget/bookings/danthompson #retirementplanning #financialfreedom #wealthbuilding #investing #cashflow #money #401k #retirementincome #financialeducation #wealthstrategy