The Prosperity Podcast

The Prosperity Podcast is where money meets freedom — without Wall Street's limitations or typical financial advice. Hosted by Kim Butler, founder of Prosperity Thinkers, and Spencer Shaw, this podcast delivers straightforward financial strategies to help you build certainty, cash flow, and long-term prosperity.

The Prosperity Podcast is a business podcast hosted by Unknown Host, with 709 episodes on record and a Required Pod Score of 80.

Unknown Host hosts The Prosperity Podcast, a business show with 709 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #691

  When Your Spouse Thinks Your Money Strategy Is Crazy

  Sep 29, 202612 min

  Money is one of the most common sources of friction in a marriage, and it's rarely about the numbers themselves. In this episode of The Prosperity Podcast, Kim Butler and Spencer Shaw dig into what happens when spouses aren't on the same page financially, whether that's a spender paired with a saver, or one partner who wants to invest aggressively while the other prefers to play it safe. Kim lays out a simple sequence for getting aligned: fund a shared household account for bills first, then agree on an emergency fund sized to whichever spouse wants the higher number, and only after those two are handled does it make sense to let each partner manage some money separately. She also tackles the harder half of the problem, the gap in financial education between partners, and offers a practical way to close it without turning money conversations into a fight. The conversation closes with one of Kim's favorite tools for keeping a household aligned long term: the family meeting, something she grew up with, still practices as an adult, and recommends to every family she works with. Links & Resources Mentioned Prosperity Thinkers website: https://prosperitythinkers.com/podcasts/ Prosperity Thinkers Shop (Perpetual Wealth book, audio, 52 Tips guide, card game): https://prosperitythinkers.com/shop Contact Kim directly: hello@prosperitythinkers.com Keywords financial freedom, Prosperity Thinkers, cash flow, wealth preservation, whole life insurance, financial education, mindset, household budgeting, emergency fund, family meeting, investing as a couple, marriage and money, spender vs saver, financial confidence, opportunity fund, money mindset, traditional financial planning, recommendation, couples finance, financial communication Episode Highlights [00:00:00 - 00:01:00] Spencer introduces the episode: what happens when spouses aren't on the same page about money. [00:01:00 - 00:02:00] Kim recommends a shared household account, funded monthly, to cover bills without emotion. [00:02:00 - 00:03:00] Kim explains the emergency fund rule: always fund to the higher of the two spouses' numbers. [00:03:00 - 00:04:00] Kim introduces opportunity money, a shared dollar figure both spouses agree to keep ready. [00:04:00 - 00:05:00] Spencer asks how to bring a less experienced spouse up to speed without fighting. [00:05:00 - 00:06:00] Kim reframes investing disagreements as a gap in education and experience, not risk tolerance. [00:06:00 - 00:07:00] Kim explains why personal finance is a "second job" every spouse needs at least a surface understanding of. [00:07:00 - 00:08:00] Kim outlines the educated spouse's obligation to teach the other at an elementary, accessible level. [00:08:00 - 00:09:00] Kim advises the more aggressive investor to keep some money safe and boring so the other spouse can sleep at night. [00:09:00 - 00:10:00] Kim recommends starting family meetings early, ideally weekly for kids and monthly for spouses. [00:10:00 - 00:11:00] Kim shares her own family's Saturday morning family-meeting tradition and the advice to listen more than you talk. [00:11:00 - 00:12:00] Spencer and Kim close with a lighter note on family traditions and the standard call to action.

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  Episode #690

  Debt-Free, but Out of Cash

  Sep 22, 202616 min

  Being debt-free feels like winning, but plenty of financially disciplined people still end up broke. In this episode of The Prosperity Podcast, Kim Butler and Spencer Shaw unpack why so many savers who have done everything right, paid off the mortgage, maxed out the 401(k), avoided debt, can still find themselves without real cash flow when they need it most. Kim traces the problem back to a shift in financial thinking that started when 401(k)s arrived in the 1970s: deferring taxes became the goal, and cash flow got pushed down the road right along with it. She explains why traditional vehicles like IRAs and 401(k)s, along with plenty of real estate, do not actually create cash flow, and shares a cautionary story about a financially comfortable neighbor who ran out of money. The conversation then turns practical. Kim and Spencer map out where cash flow thinking should start (as early as childhood), the two parallel paths every person walks (protection and wealth building), and the "strike number" concept, the bare minimum someone needs to live, that clarifies nearly every financial decision that follows. Links & Resources Mentioned Prosperity Thinkers website: https://prosperitythinkers.com/podcasts/ Busting the Real Estate Investing Lies (Kim Butler's book, source of the "strike number" concept): https://prosperitythinkers.com/shop Prosperity Thinkers Shop (Perpetual Wealth book, audio, 52 Tips guide, card game): https://prosperitythinkers.com/shop Contact Kim directly: hello@prosperitythinkers.com Keywords financial freedom, cash flow, Prosperity Thinkers, wealth preservation, whole life insurance, financial education, strike number, protection planning, wealth building, term life insurance, disability insurance, compound interest, mindset, traditional retirement planning, 401(k) cash flow, inflation and expenses, early career finance, confidence, recommendation, debt-free but broke Episode Highlights [00:00:00 - 00:01:00] Spencer introduces the episode: being debt-free but out of cash, and why people chase the wrong financial targets. [00:01:00 - 00:02:00] Kim explains that assets should exist to create cash flow, tracing the shift toward deferral back to when 401(k)s arrived in the 1970s. [00:02:00 - 00:03:00] Kim shares the story of a friend's neighbor, financially comfortable on paper, who panicked because he had run out of money. [00:03:00 - 00:04:00] Spencer asks where cash flow thinking should start and end, and Kim says it should begin in childhood. [00:04:00 - 00:05:00] Kim explains there is no real finish line for cash flow planning, using a $4 million nest egg as a cautionary example. 00:05:00 - 00:06:00] Kim notes that inflation triples expenses roughly every 30 years, so no single number offers lasting peace of mind. [00:06:00 - 00:08:00] Kim maps out the first building blocks for a new earner, starting with car insurance as the gateway into protection planning. [00:08:00 - 00:09:00] Kim describes the two parallel paths of personal finance, protection and wealth building, and why wealth building takes time. [00:09:00 - 00:10:00] Kim shares Todd Langford's hiking metaphor: a successful trip means making it both up and down the mountain. [00:10:00 - 00:11:00] Spencer asks how people can quiet the anxiety of holding cash and debt at the same time. [00:11:00 - 00:13:00] Kim introduces the "strike number" concept from Busting the Real Estate Investing Lies and illustrates it with a friend who funds nonstop travel. [00:13:00 - 00:14:00] Kim walks through how a new $80,000 earner can split extra income between taxes, lifestyle, and savings. [00:14:00 - 00:15:00] Spencer closes the episode with the standard call to action.

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  Episode #689

  Stop Saving Just to Save

  Sep 15, 202619 min

  In this Prosperity Podcast episode, Kim Butler and Spencer Shaw tackle a question straight from listener feedback: once someone has built a real opportunity fund, six figures or more sitting liquid and ready, what should they actually do with it? Kim starts by dismantling the old rule that opportunities should be chosen by age, growth investments in your thirties, income investments after sixty, and explains why the industry's own numbers no longer support it. Life insurance companies now illustrate policies out to age 120, and if ninety is closer to the midpoint of a life than the finish line, the traditional growth-then-distribution model stops making sense. Kim's alternative is to let talent and passion, not age or convention, point the way. She walks through her own family's approach to opportunity, from marketing investment in their businesses to a small winemaking experiment with her husband Todd and his sister, and lays out a practical path: get language around your God-given talents with a tool like the Kolbe profile, find a problem you're passionate about solving, and test quickly for real-world results rather than betting everything on time or gut feeling. The conversation closes on diversification, and Kim reframes it entirely around liquidity. True diversification isn't about how many asset classes you hold, it's about how fast you could turn any of them into cash if a deal went sideways. Kim and Spencer connect this back to Kim's book, "Perpetual Wealth," and the multigenerational story inside it about building an opportunity fund that lasts. Links & Resources Mentioned Prosperity Thinkers website: https://prosperitythinkers.com/podcasts/ Prosperity Thinkers Shop (Perpetual Wealth book, audio, 52 Tips guide, card game): https://prosperitythinkers.com/shop Kolbe profile: https://www.kolbe.com Contact Kim directly: hello@prosperitythinkers.com Keywords financial freedom, Prosperity Thinkers, opportunity fund, savings, wealth preservation, cash flow, financial education, whole life insurance, confidence, mindset, recommendation, Kolbe profile, talents and passion, purpose, diversification, liquidity, longevity planning, cash value life insurance, Perpetual Wealth, traditional financial advice Episode Highlights [00:00:00 - 00:01:00] Spencer introduces the episode, built from listener feedback: once you have an opportunity fund, what do you actually pursue? [00:01:00 - 00:02:00] Spencer lays out the traditional age-based approach to investing, growth in your thirties, income after sixty. [00:02:00 - 00:03:00] Kim points out that ninety may only be the midpoint of a life that reaches 120, upending the traditional model. [00:03:00 - 00:04:00] Kim notes life insurers already illustrate to age 120, and cites Peter Diamandis on the rise of entrepreneurs starting businesses after sixty. [00:04:00 - 00:05:00] Kim argues opportunities should follow personal interest, not convention, and shares that marketing is her own family's best investment. [00:05:00 - 00:06:00] Kim introduces talents plus passion as the formula for purpose, referencing her weekly work with Tammy Brannan. [00:06:00 - 00:07:00] Kim describes a single-person, AI-assisted business as a real opportunity path, and Spencer asks how long to give an idea before moving on. [00:07:00 - 00:08:00] Kim recommends the Kolbe profile as a starting point for putting language to natural talent. [00:08:00 - 00:09:00] Kim shares her family's winemaking experiment with six grape plants as a live test of talent versus passion. [00:09:00 - 00:10:00] Kim credits her son Robbie for pushing the family to collect real feedback and testimonials on the wine. [00:10:00 - 00:11:00] Kim points to Peter Diamandis's contest model as a way to test results at any scale, not just time spent. [00:11:00 - 00:12:00] Spencer summarizes and pivots to diversification, questioning what the term really means to most people. [00:12:00 - 00:13:00] Kim reframes diversification around liquidity, how fast an asset can actually become cash. [00:13:00 - 00:14:00] Kim challenges the idea that stocks, apartment buildings, or crypto are truly liquid if you would not sell them in a downturn. [00:14:00 - 00:15:00] Kim warns that home equity lines of credit can be pulled by banks without warning, and asks what would remain liquid if a deal went down. [00:15:00 - 00:16:00] Spencer summarizes the episode and connects it to Kim's book, "Perpetual Wealth," available at prosperitythinkers.com/shop. [00:16:00 - 00:17:00] Kim describes the formats available on the shop, the full book, the audio version, the 52 Tips summary, and a card game. [00:17:00 - 00:18:00] Kim closes with the book's three-generation family story and the idea of legacy as what you leave in people, not just to them.

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  Episode #688

  The Emergency Opportunity Fund: What to Build Before You Invest Your First $100K

  Sep 8, 202619 min

  This Prosperity Podcast episode is a guest crossover: Spencer Shaw hands the mic to Kim Butler's recent appearance on Martin Pyskerik's 21st Century Entrepreneurship, where Kim walks through what to build before you make your first investment. Kim has spent more than 30 years helping entrepreneurs and entrepreneurial thinkers keep more of what they earn, and this conversation covers the first three of her seven principles of prosperity: think, see, and measure. Kim's central argument is that most people jump straight to investing without first building what she calls an emergency opportunity fund, a combined reserve that covers both emergencies and the lump sums needed to act on real opportunities. She explains why traditional financial advisors rarely talk about this fund, how to size it for both personal and business needs, and why the interest rate it earns matters far less than whether that growth is taxed. The conversation closes with Kim's third principle, measure, and a clear walkthrough of opportunity cost, using the classic example of prepaying a mortgage instead of investing at a higher rate. Kim ties the whole conversation back to her seven principles of prosperity, written in 1999, and to the entrepreneurial thinkers she works with who are great at earning money and want to get just as good at keeping it. Links & Resources Mentioned Prosperity Thinkers website: https://prosperitythinkers.com/podcasts/ Contact Kim directly: hello@prosperitythinkers.com Keywords financial freedom, Prosperity Thinkers, emergency opportunity fund, emergency fund, opportunity fund, opportunity cost, cash flow, financial education, mindset, whole life insurance, wealth preservation, tax-free growth, entrepreneurial thinker, seven principles of prosperity, liquidity, accredited investor, Prosperity Pledge, financial confidence, investing before saving $100K, wealth building for entrepreneurs Episode Highlights [00:00:00 - 00:00:34] Spencer introduces this guest episode, Kim's appearance on Martin Pyskerik's 21st Century Entrepreneurship, on investing before saving your first $100,000. [00:00:34 - 00:01:00] Kim introduces herself and her 30-plus years helping people keep more of what they earn. [00:01:00 - 00:02:00] Kim names the entrepreneurial thinker as her favorite client and introduces the first principle of prosperity, think. [00:02:00 - 00:03:00] Kim names taxes as a top pain point and draws the line between earning dollars and keeping them. [00:03:00 - 00:04:00] Kim introduces the second principle, see, and points to the emergency and opportunity fund as the big picture entrepreneurs miss. [00:04:00 - 00:05:00] Kim explains why financial advisors rarely bring up emergency funds and how to define your personal and business number. [00:05:00 - 00:06:00] Kim describes people in their 40s, 50s, and 60s who never built an emergency fund and lean on credit cards instead. [00:06:00 - 00:07:00] Kim introduces the opportunity fund and why liquidity lets entrepreneurs act on real estate, partnerships, and business deals. [00:07:00 - 00:08:00] Kim lays out a combined emergency and opportunity fund target, using $100,000 for emergencies and $250,000 for opportunities as an example. [00:08:00 - 00:09:00] Kim argues the interest rate on this fund barely matters and that taxation is the real problem to solve. [00:09:00 - 00:10:00] Kim closes the section with the Oprah Winfrey example and the reminder that the zeros don't matter, the function does. [00:10:00 - 00:11:00] Kim shares the backstory of writing her seven principles of prosperity in 1999. [00:11:00 - 00:12:00] Kim introduces the third principle, measure, and defines opportunity cost for personal finance. [00:12:00 - 00:13:00] Kim gives the mortgage example: prepaying debt at 4% instead of investing at 8% [00:13:00 - 00:14:00] Kim extends opportunity cost to the taxes paid on emergency and opportunity fund interest. [00:14:00 - 00:15:00] Kim recaps how overpaying the mortgage company or the government compounds as a lifelong opportunity cost. [00:15:00 - 00:16:00] Kim mentions her books, her upcoming title Prosperity Parents, and her Prosperity Pledge membership platform. [00:16:00 - 00:18:00] Kim describes her team of specialists, her entrepreneurial thinker clients, and invites listeners to the Prosperity Action Pack with a no-sales-pitch conversation.

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  Episode #677

  The Hidden Price of Playing It Safe

  Sep 1, 202611 min

  Executive Summary In this Prosperity Podcast episode, Kim Butler and Spencer Shaw pick up where a recent conversation on missed opportunities left off, this time asking what it actually costs to play it safe. Kim explains that once real protections are in place, life insurance, disability coverage, guaranteed income for life, it becomes much easier to know when to plan carefully and when it's time to take the foot off the brake and move. Kim returns to a familiar theme, the opportunity fund, but goes deeper this time into why most people's cash reserves are quietly losing ground every year. Because typical savings and money market accounts are taxed annually, an opportunity fund can lose real value over the decades most people hold one, sometimes 80 years or more. Kim makes the case that whole life insurance is one of the most efficient places to store that liquidity, since it grows without annual taxation and remains borrowable at a moment's notice. The conversation also turns personal. Kim and Spencer debate whether people overestimate the risk of action or underestimate the risk of inaction, and Kim shares two real stories from her 30 years in the industry, one involving a medical event that disqualified someone from coverage, and another about a business owner who passed away without life insurance in place, leaving his family in real financial hardship. It's a candid look at why life insurance is designed to be used during life, not just after it. Links & Resources Mentioned Prosperity Thinkers website: https://prosperitythinkers.com/podcasts/ Contact Kim directly: hello@prosperitythinkers.com Keywords financial freedom, Prosperity Thinkers, whole life insurance, opportunity fund, cash flow, wealth preservation, confidence, financial education, mindset, guaranteed income, disability insurance, liquidity, risk of inaction, recommendation, traditional financial advice, taxation, life insurance living benefits, financial protection, emergency fund, financial planning Episode Highlights [00:00:34 - 00:01:00] Kim explains that life insurance and disability coverage form the safety net that lets people play it safe with confidence. [00:01:00 - 00:01:30] Kim jokes about rebranding as the Guaranteed Girls before explaining why she chose the name Prosperity Thinkers instead. [00:01:30 - 00:02:00] Kim says having protections in place makes it far easier to know when to plan and when to move. [00:02:00 - 00:02:30] Kim distinguishes between the time for planning and the time the trigger has to be pulled, one way or another. [00:02:30 - 00:03:00] Kim explains that most financial advisors never ask clients about their opportunity fund at all. [00:03:00 - 00:04:00] Kim reveals that a typical opportunity fund is taxed every single year, quietly eroding its value over time. [00:04:00 - 00:05:00] Kim explains why whole life insurance lets you borrow against cash value immediately, without taxing its growth. [00:05:00 - 00:05:20] Kim points out a typical opportunity fund could exist for roughly 80 years, taxed the entire time, without this strategy. [00:06:00 - 00:07:00] Spencer asks whether people overestimate the risk of action and underestimate the risk of inaction. [00:07:00 - 00:08:00] Kim shares a story about a client whose medical event disqualified them from purchasing life insurance. [00:08:00 - 00:09:00] Kim shares the story of a business owner who passed away without life insurance, leaving his family in financial difficulty. [00:08:40 - 00:09:00] Kim references roughly 6,000 people dying every day between ages 40 and 60. [00:09:00 - 00:10:00] Kim reminds listeners that life insurance is meant to be utilized during life, not just after death. [00:10:00 - 00:11:00] Spencer closes the episode and invites listener questions for Kim.

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