In this episode of the Be Wealthy Podcast, host Brett Tanner sits down with financial educator and infinite banking expert Kyle Fuller to unpack how wealthy individuals think differently about money, liquidity, and control.

Kyle shares his personal journey growing up in a large family, witnessing financial hardship during the 2008 crisis, and how those experiences shaped his philosophy around cash flow, reserves, and long-term wealth planning. Together, Brett and Kyle break down why education must come before investing, how poor liquidity destroys otherwise good strategies, and why following the crowd is one of the fastest ways to lose money.

This conversation dives deep into infinite banking, wealth foundations, cash flow over net worth, and how to build a financial system that creates freedom — not stress.

1. Education comes before investing. You must understand the game before you play it.
2. Liquidity is survival. Without reserves, even “good” investments can fail.
3. Cash flow beats net worth. Income today creates freedom; paper wealth does not.
4. Don’t follow the crowd. Investing without a personal strategy leads to losses.
5. Wealth requires control, not complexity. Simple systems outperform scattered strategies.
6. Banks play a different game — and so should you. Learning how banks think changes how you manage money.

00:00 – Welcome and episode overview

00:45 – Kyle Fuller introduction and infinite banking focus

02:00 – Childhood money environment and family background

04:45 – The impact of the 2008 financial crisis

06:15 – Learning the importance of liquidity

08:00 – Why most people invest without a clear plan

10:00 – Defining investing criteria and risk tolerance

13:45 – Cash flow vs net worth and lifestyle design

16:45 – Money, time, and talent as limited resources

20:30 – Discovering infinite banking and whole life insurance

29:15 – How infinite banking actually works

35:00 – Using policies to finance major purchases

43:00 – Redirecting cash flow and controlling money

51:00 – Car financing example and long-term impact

59:30 – What wealth really means today

01:04:30 – Books, advice to his younger self, and final thoughts

Books & Concepts Mentioned

1. Becoming Your Own Banker – Nelson Nash
2. Infinite Banking Concept
3. Cash Flow vs. Net Worth
4. Liquidity & Financial Reserves
5. Risk / Return / Noise Framework

Organizations & Education

1. FACT...

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with his longtime CPA, tax strategist, and trusted advisor Brian Muia for a deep dive into entrepreneurship, wealth-building, and advanced tax strategy.

Brian shares his journey from growing up with limited resources to building and exiting multiple businesses, including companies in software, steel recycling, and accounting. He breaks down how early lessons around hard work, leverage, and replaceability shaped his entrepreneurial mindset — and why building a business that doesn’t rely on you is the key to true freedom.

The conversation goes deep into passive income, leverage, exits, subscription-based businesses, and the latest tax strategies from the “Big Beautiful Bill.” Brian explains how smart planning around depreciation, Section 179, QSBS, and opportunity zones can dramatically accelerate wealth creation for entrepreneurs and real estate investors.

This episode blends real-world business lessons, mindset, and highly tactical tax insights every serious entrepreneur should understand.

1. Hard work is the foundation — leverage creates freedom.
2. Entrepreneurs must learn to replace themselves to build sellable businesses.
3. Wealth is the ability to choose what you work on.
4. True wealth isn’t money — it’s control over your time and focus.
5. Leverage people, systems, and capital early.
6. Businesses grow when you stop doing everything yourself.
7. Passive income takes time — not shortcuts.
8. It can take 10+ years to truly remove yourself from operations.
9. Subscription businesses attract buyers.
10. Recurring revenue models are highly attractive to private equity.
11. Tax strategy accelerates wealth.
12. Smart planning can preserve millions in capital for reinvestment.
13. Replaceability increases business value.
14. If the business can’t run without you, it’s not sellable.

00:00 – Welcome and introduction to Brian Muia

02:30 – Brian’s upbringing and early money lessons

05:15 – How wealth and freedom are defined

08:00 – First entrepreneurial business and learning leverage

13:00 – Work ethic, discipline, and John Wooden lessons

17:00 – Building a business that doesn’t rely on you

21:00 – Systems, leadership, and becoming replaceable

26:00 – Pivoting, iteration, and entrepreneurship reality

30:30 – Major business exits and scalable thinking

35:00 – Opportunities in trades and subscription businesses

40:00 – Why tax strategy matters...

In this episode of the Be Wealthy Podcast, Brett Tanner and Katelyn Mitchell break down the real reasons why most real estate professionals never become millionaires — even when they earn great income.

Using Warren Buffett’s wealth philosophy as a foundation, Brett explains how long-term thinking, compounding, and disciplined decision-making create real wealth over decades — not overnight. Together, Brett and Katelyn unpack common financial traps like overleveraging, emotional decision-making, lifestyle inflation, and constantly “visiting” your capital.

This episode dives deep into wealth models, cash flow strategy, debt discipline, and how small financial choices compound into massive outcomes over time. If you’ve ever felt “behind” financially or confused about why hard work hasn’t translated into wealth yet, this conversation brings clarity, structure, and a proven path forward.

• Wealth is built over decades, not years. Compounding rewards patience and consistency.

• Emotional decisions destroy wealth faster than bad math. Models remove emotion.

• Your primary residence can either support your wealth plan — or sabotage it.

• Cash flow creates freedom; paper wealth creates stress.

• Overleveraging and chasing zero-money-down deals increase risk, not returns.

• The wealthy buy income-producing assets before upgrading lifestyle.

• Liquidity feels safe, but excess cash loses to inflation.

• Debt is a tool — but only when tied to cash-flowing assets.

• Small decisions, repeated consistently, create massive long-term outcomes.

• Feeling “behind” is normal — even Warren Buffett felt it.

00:00 – Welcome to the Be Wealthy Podcast

01:15 – What Really Stops People From Becoming Millionaires

03:45 – The Rattlesnake Story & Why You Need a Financial Plan

06:15 – Studying Warren Buffett’s Wealth Philosophy

08:30 – Why Being “Weird” Is Often the Path to Wealth

11:45 – Buffett’s Home Purchase & Radical Financial Discipline

14:00 – Emotional Decisions vs. Financial Models

17:00 – The 30/30/3 Rule for Buying a Primary Residence

20:00 – Why Most People Overbuy Their Homes

23:00 – The Cost of Lifestyle Inflation

27:00 – Cash Flow vs. Paper Wealth

30:00 – Why Compounding Feels Slow… Until It Doesn’t

34:00 – Why Buffett Felt “Behind” at Age 43

37:00 – Inflation, Opportunity, and Cash Reserves

42:00 – The Danger of Constantly “Visiting” Your Capital

47:00 – Debt Discipline & Overleveraging Mistakes

52:00 – Why Zero-Money-Down Isn’t Something to Brag About

57:00 – Creating Cash Flow Before Upgrading Lifestyle

1:01:00 – Final Thoughts on Long-Term Wealth Thinking

People & Concepts Mentioned

1. Warren Buffett & Charlie Munger
2. Berkshire Hathaway Cash Strategy
3. Albert Einstein on Compound Interest

Books Mentioned

1. The Compound Effect – Darren Hardy