Wise Money Tools

Hosted by Dan Thompson

Business Investing

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401

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Nov 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

November 11, 20266 min

Ep 401 - Retirement Income: Slot Machine Or ATM?

A couple two years from retirement sat across from me. On paper they looked great, but they had no income plan. Almost everything they owned, except about $50,000, was in the stock market. They weren't broke or irresponsible, but all the risk was on them. The five to seven years before and after retirement is the danger zone: if 10, 20, or 40% of your money disappears then, it's not just a bad year, you could run out of money before you run out of life. In 2008, people ready to retire watched their 401(k)s turn into 201(k)s. So I asked: "Would you rather take your retirement income from a slot machine or an ATM?" A slot machine might pay, might not. An ATM is boring, predictable, reliable. That doesn't mean cash in a bank account, because inflation will eat it. It means designing income streams that behave more like an ATM: using cash-flowing assets, institutional-style thinking, properly structured life insurance leveraged safely, and, where appropriate, digital assets like Bitcoin and data centers, ideally tax advantaged. No investment is perfect. Every one has trade-offs, and the strategy should fit you, not the other way around. Is your retirement income coming from a slot machine or an ATM? Grab a slot on my calendar or email: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #RetirementPlanning #RetirementIncome #SequenceOfReturnRisk #PassiveIncome #TaxStrategy #WealthBuilding #FinancialFreedom #401k

November 4, 20264 min

Ep 400 - Your 401k Isn't Your Safest Asset

The safest asset isn't your 401k, your rental property, or your stock portfolio. It's control. When you control the asset, you control the cash flow, the tax treatment, and the leverage. Step one: label every asset you own as controlled by you or controlled by the market. Step two: open a properly structured cash value life insurance policy designed for cash value, not the biggest death benefit. Step three: use that policy as collateral to acquire income-producing assets. Production beats speculation: instead of buying Bitcoin and hoping, you can produce it, and the YLDZ token, available to accredited investors, is designed to pay monthly Bitcoin distributions tracked in the Yieldz app. Compare real estate (debt, tenants, toilets, taxes) to Bitcoin (custody) in two side-by-side projections. And stop fearing Roth conversions: pull your last two tax returns, find the room left in your bracket, and convert only that amount, every year, on purpose. With the right planning, tax mitigation strategies may help offset the conversion tax and more. Precision beats procrastination. Ready to run the math on your own numbers? Book a strategy session: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #Bitcoin #RothConversion #TaxStrategy #PassiveIncome #WealthBuilding #FinancialFreedom #CashValueLifeInsurance #TaxMitigation #RetirementPlanning

October 28, 20266 min

Ep 399 - You're Planning Retirement Backwards

What's the best way to plan for retirement? Get wealthy, build more passive, tax-advantaged income than you'll ever need, then retire whenever you feel like it. Most people do it backwards: pick a date, then figure out the smallest income they can survive on. That's not retirement planning, that's planning for scarcity. Reducing expenses has a ceiling. Income doesn't. A paid-off $800,000 home produces $0 of income. So who's more free: the person with no mortgage, or the person with a $5,000 payment and $40,000 a month of passive income coming in? Instead of living on 70-80% of your income, aim for 200-300% of it. Ysurance is designed to create monthly cash flow while building long-term wealth, using properly structured life insurance as the foundation, paired with cash-flowing assets, with tax advantages when structured correctly. Don't retire on fixed income. Get wealthy. Ready to change direction? Grab a slot on my calendar or email: Dan@wisemoneytools.com #Yieldz #Ysurance #DanThompson #RetirementPlanning #PassiveIncome #FinancialFreedom #TaxStrategy #WealthBuilding #GenerationalWealth #MortgageStrategy #IncomeNotSavings

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