In this solo episode, Jim Oliver breaks down the single mindset shift that separates the herd from the wealthy: move from trading time for money to owning the system. Drawing on his journey from poverty and a casket factory to acquiring 30+ companies, Jim shows why most retirement advice is just slavery with better branding—and how Infinite Banking, cash-flowing assets, and velocity turn your money into a perpetual Wealth Engine.

What You'll Learn

• Why chasing a 401(k) balance is "poverty with a brochure" (and how averages hide risk)

• The 3D view of money: cash flow, tax flow, and debt flow—and why banks win using all three

• The owner's formula: Other People's Money + Other People's Time = freedom

• Infinite Banking, step-by-step: capitalize, collateralize, acquire, recapture, repeat

• How to measure the gain (not the gap) so progress fuels momentum, not perfectionism

Action Steps
1. Audit Your Money
List where every dollar sits today. Is it compounding for you—or for a bank or Wall Street?

2. Make the Shift
Replace accumulation targets with monthly cash-flow targets. Define your "work-optional" number.

3. Build the Engine
Set up a high-cash-value whole life policy (mutual company). Borrow against it to buy one cash-flowing asset every 12–18 months. Use the cash flow to repay the policy loan and repeat.

Jim's Final Word
"Retirement isn't about age—it's about cash flow. Stop being the cow. Become the rancher. Own the bank, buy assets, and let velocity do the heavy lifting."