Description

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.

🔑 TOP TAKEAWAYS

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.

⏱️ TIMESTAMPS

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

RESOURCES & MENTIONS

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 Financial
2. Be Wealthy Mastermind

⚠️ GUEST LINKS (KYLE FULLER)

1. Factum Financial Educational Resources
2. Kyle Fuller & Factum Financial Facebook Link
3. Kyle Fuller & Factum Financial Instagram
4. Kyle Fuller & Factum Financial LinkedIn