Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we talk with Walter Young, co-author of The Fifth Option, about a transformative approach to retirement income planning. Walter challenges typical retirement planning and the "4% Rule" and offers solutions to live a plentiful retirement based on predictable income. When you only have one shot at this, cash flow beats "balance sheet" (aka "B.S.") retirement planning every time. The best part is that if you're practicing IBC, you're already on the right path. Visit Walter at www.TheFifthOption.com --- EPISODE HIGHLIGHTS: [02:44] The "B.S." retirement plan and the shift from "balance sheets" to cash flow [09:48] The desert island dilemma - How long does your water need to last? [06:45] The Fifth Option - alleviate retirement constraints [16:14] Pensions and private pensions [21:14] The role of life insurance [30:54] Beat the Bear strategy: navigating market volatility in retirement ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY