Why Your 401K Is Keeping You Poor (And What the Wealthy Do Instead)

Still dumping money into a 401K hoping it’ll be enough? This video might change your life.

In this video, I break down why the 401K is a financial trap — and what the rich do instead. I’ll show you how inflation, taxes, and delayed access turn your retirement fund into a glorified Wall Street subsidy. And then I’ll walk you through the strategies billionaires use to actually build wealth: infinite banking, oil investing, and other high-leverage, tax-advantaged cash flow strategies.

If you’re tired of hoping for a 7% return after 35 years and being broke in retirement, this is for you.

Here’s What the Wealthy Do Instead⬇️:

✅They avoid accounts that lock up their money for 30-40+ years.

✅They use High Early Cash Value life insurance to become their own bank (not the policies that your advisor sells you; the SAME type the banks buy (less than 5% of people who have cash value life insurance even know what this is)...

✅They earn 8-10% tax-advantaged growth and borrow against it at 4%-6% (hedging inflation).

✅They invest in real assets like oil wells, real estate, and private placements (not stocks where there is more manipulation and WAY less tax benefits or leverage) (I will include a way to access these off-market deals below but keep reading for now).

✅They legally lower their tax bill and create compounding income.
I’m not a financial adviser. But I stopped following bad advice years ago. My capital is growing every year — and I never have to beg a bank for money or worry about penalties for using my own cash.

My Real Strategy & Example⬇️:

I funded a $200K policy. Borrowed $180K against it at 4%.

I invested $150K into oil wells paying $4,500/month in tax-advantaged income.

I saved $42K in taxes, and my policy is still compounding at 10%.

That’s a 50% return on capital I still control.

⚠️DISCLOSURE: Every oil deal cash flows differently. Some 13%, some 22%, some 28%, some more. The figures above take into account the exit I referred to in the video.

Meanwhile, the 401K investor is crossing fingers for 7% and can’t touch their money until 59½ unless they want to pay 10% to the SEC. And let's not even start with the tax conversation there lol; it's a joke. If you are growing at 7% (which is the average 401K return), insert inflation in the last 40 years, and invest $10K EVERY single year, you will end up with $457K of purchase power. That's very risky; it's a bad idea to lock $400K for 40 years just to have $457K in purchase power by the end; that's what you call a bad decision. In the video, I used an example of actually maxing out your 401k contributions and it only left you with around $600K of purchase power...

👇 Want to learn how to break out of this trap? I built a private network to give you access to the strategies, mentorship, the actual investment opportunities I participate in, and access to all my business partners that I build wealth with.

Get access to all my modules, live weekly meetings, a 1 on 1 session with me, my full strategy, AND the funds, oil deals, real estate deals, lines of credit, and institutional grade financial products that I use. TCN is a one-stop-shop, no guess work for you.

🔗 Join The Capitalist Network (7-Day Free Trial):
https://thecapitalistnetwork.com/qualify

PS...I know someone is going to comment that Roth IRAs are better because none of the growth is taxed. Which is a cute thought...but you're still losing to decades of time, no leverage, and immense inflation. Retirement accounts were built for the government, the SEC, and the public companies that benefit from your capital pouring back into them; they weren't built to benefit you. If they worked, your boomer parents wouldn't be broke at 65.

00:00 – Why 401Ks Don’t Build Wealth
01:07 – The Inflation & Tax Scam No One Tells You
02:34 – The Math That Will Make You Furious
04:13 – What the Wealthy Do Instead
05:48 – Infinite Banking Explained
07:22 – How I Leverage Cash Value for Real Assets
08:10 – Oil Investing: 30–50% Returns + Tax Write-Offs
09:26 – My Real Numbers & Strategy
10:40 – Join The Capitalist Network & Get Started

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⚠️This is not financial advice. What you do with this information is your sole responsibility.

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