Summary

In this episode of Perennial Pride, discover the power of urgency over comfort in building wealth and success. Using the inspiring story of a high school football team's championship journey, explore the vital role of intentional effort, proactive planning, and facing challenges to achieve financial freedom and a richer life beyond money. Perfect for anyone ready to transform their approach to wealth and life..

Episode Highlights

00:01:20 - Reflection on success through hard work.

00:02:05 - Urgency and comfort: insight on excellence and regret.

00:03:33 - Overcoming resistance to pursuing hard goals.

00:03:49 - The entrepreneurial mindset and taking intentional action.

00:05:21 - Stoicism: embracing obstacles as paths to growth.

00:07:07 - Complexity and its impact on financial management.

00:09:32 - Passive investing and its potential pitfalls.

00:11:56 - The importance of proactive, urgent financial planning.

00:12:26 - Risk mitigation as a critical but overlooked aspect.

00:14:23 - Wealth-building: Saving vs. spending culture.

00:17:58 - Benefits of maintaining liquidity for opportunities.

00:19:02 - The importance of aggressive tax planning.

00:20:49 - Diversifying and self-investing for financial excellence.

00:22:02 - Assessing comfort vs. urgency in wealth-building efforts.

Episode Resources

• perennialpride.com

Keywords

• wealth building

• urgency

• comfort

• financial freedom

• wealth management

• obstacles

• stoicism

• risk mitigation

• complexity

• volatility

• consumerism

• stoic philosophy

• proactive planning

• investment

• tax planning

• entrepreneurial

• retirement accounts

• savings and spending

• liquidity

• taxes

• estate planning

• personal development

• business ownership

• real estate

• financial education

• opportunity funds

• financial discipline

• financial independence

• Perennial Pride podcast

EPISODE SUMMARY

This episode revisits key conversations that challenge traditional financial thinking. From protecting family legacies through trusts, to using infinite banking as a personal financial system, to leveraging private equity for passive income and tax efficiency, this episode emphasizes intentional wealth-building through structure and education.

LINKS MENTIONED

https://podcasts.apple.com/us/podcast/perennial-pride/id1632084146

KEYWORDS / SEO

Perennial Pride Podcast, Best of 2025 podcast, Trust administration, Estate planning trusts, Generational wealth, Infinite banking concept, Whole life insurance banking, Private equity investing, Passive income strategies, Alternative investments, Financial independence, Wealth education, Tax-efficient investing.

EPISODE HIGHLIGHTS WITH TIMESTAMPS

- 00:00–00:01 - Introduction and episode overview

- 00:01–00:07 - Trusts and generational wealth

- 00:07–00:09 - Risks of inheritance without structure

- 00:09–00:13 - Infinite banking explained

- 00:13–00:15 - Misconceptions about whole life insurance

- 00:15–00:18 - Guarantees vs market returns

- 00:18–00:23 - Private equity for busy professionals

- 00:23–00:25 - Fund-of-funds and diversification

- 00:25–00:26 - Closing message on financial empowerment

Today's episode of the Perennial Pride podcast, Tom dives into one of the most overlooked but essential concepts in wealth building: liquidity. With markets showing volatility and assets potentially overvalued, he breaks down why having access to capital—not just investments—is key to confidence, preparedness, and opportunity. Tom shares practical strategies he's personally used over the last year, including reassessing investments, unlocking equity, trimming expenses, and planning taxes proactively. Whether it's handling emergencies or striking when opportunities appear, this episode offers a grounded roadmap to fortifying your financial foundation.

• 02:00: The "Everything Bubble" and why timing markets doesn't work

• 05:00: Why liquidity creates calm, confidence, and optionality

• 07:30: Emergency funds vs opportunity funds

• 10:00: Selling assets strategically to unlock trapped equity

• 12:00: Exiting syndications and private investments for flexibility

• 14:30: Home equity, HELOCs, and planning before you need them

• 16:00: Alternative places to store liquidity

• 18:00: The three layers of liquidity explained

• 19:30: Warren Buffett's "tide going out" lesson

• 20:00: Final thoughts on preparation and long-term confidence

Links and Resources:

• perennialpride.com

In this episode of The Perennial Pride Podcast, Tom and Kira break down one of the hottest—and most controversial—financial headlines: the potential introduction of a 50-year mortgage. They unpack what this could mean for first-time homebuyers, investors, affordability, long-term debt, and the already-strained housing market. From rising interest rates and distorted market forces to cash-flow strategies and real estate investment implications, this conversation cuts through the noise to help you understand the good, the bad, and the ugly behind ultra-long mortgages. If you're trying to make sense of today's housing landscape—or wondering whether a 50-year loan is a lifeline or a long-term trap—this episode gives you the clarity you need.

Episode Highlights

01:54 - Financial implications for first-time homebuyers.

06:01 - The rise of the average first-time homebuyer age.

11:46 - Interest rate impact on home affordability.

14:35 - Early mortgage payoff considerations.

18:50 - Inflation's role in mortgage strategy.

21:20 - Real estate investment and 50-year mortgages.

32:56 - Government's involvement in housing markets.

39:17 - Long-term financial planning with mortgages.

Episode Resources

• perennialpride.com

Continuing on this final episode with Brandon Jenkins, Tom and Brandon explore the multifaceted nature of leadership, emphasizing the importance of self-leadership, trust, and humility. They discuss the challenges leaders face when transitioning from individual contributors to team leaders, the significance of fostering a collaborative team culture, and the necessity of connecting individual values to team goals. They highlight the role of accountability and the need for leaders to create an environment where open communication and feedback are encouraged. Ultimately, the conversation serves as a guide for aspiring leaders to embark on their journey of personal and professional growth.

Episode Highlights

04:51 - Leadership is personal: born or made?

05:37 - Self-leadership as a foundational aspect.

10:02 - Recognizing unique blueprints in team members.

13:55 - The challenge of transitioning from expert to leader.

16:44 - The significance of authenticity in leadership.

19:58 - Building trust through genuine actions.

30:15 - Empowerment versus micromanagement.

32:45 - Letting go: balancing control and delegation.

36:50 - The power of asking questions to foster connection.

40:29 - Consistency in reinforcing team culture and feedback channels.

45:30 - Accountability partners as tools for growth.

50:06 - Starting with self-reflection to identify core values.

Episode Resources

• perennialpride.com

Continuing in this four part series, Tom and Brandon talk about the impact of beliefs and assumptions on personal behavior and potential. He emphasizes how these ingrained beliefs, often formed from early life experiences, can unconsciously dictate actions and hinder personal growth. By becoming aware of these underlying assumptions, individuals can unlock their true potential and make more intentional choices in their lives. Tune in next week for part four!

Episode Highlights

05:36 - Golden Path fallacy.

07:58 - Self-awareness unlocks fulfillment.

10:35 - Embracing unique leadership.

13:31 - Leaders not having all the answers.

17:54 - Empowering and unleashing team potential.

23:26 - Connecting values to organizational purpose.

33:04 - Reflecting to identify passions.

35:39 - The importance of curiosity.

Episode Resources

• perennialpride.com

• tieronecoaching.com

• Connect with Brandon Jenkins

• brandon@tieronelifeinsurance.com

In part two of this series with Brandon Jenkins, Tom and Brandon explore the concept of resilience, its importance in personal and professional growth, and practical strategies to cultivate it. They discuss the significance of understanding one's purpose, the cycle of aligning actions with that purpose, and the mindset required to navigate challenges. Things such as community, preparation, and mindfulness help building resilience and achieving success. Stay tuned for part three!

Episode Highlights

01:20 - Building resilience in life.

05:57 - Align, Act, Assess, Adjust framework.

07:11 - The importance of a resilient mindset.

10:09 - Pressure rehearsal and authentic thinking.

12:18 - The power of chair flying.

14:53 - Handling stress as a leader.

17:40 - The concept of a pre-mortem.

23:00 - Disconnecting identity from failure.

26:51 - The value of leadership ready rooms.

31:35 - Owning the controllable mindset.

39:06 - Importance of recovery and resets.

Episode Resources

• perennialpride.com

• tieronecoaching.com

• Connect with Brandon Jenkins

• brandon@tieronelifeinsurance.com

In this first episode of a four part series, Tom Suvansri and Brandon Jenkins explore the concept of purpose and fulfillment in life. They discuss the importance of understanding one's personal purpose, the pitfalls of following societal expectations (the golden path fallacy), and the significance of introspection and mindset shifts. Brandon shares insights on creating a blueprint for clarity in one's life and the value of conducting an energy audit to identify what truly energizes and fulfills individuals. They emphasize the ongoing journey of self-discovery and the importance of aligning one's actions with their values and passions. Be sure to tune in next week for Part 2.

Episode Highlights

03:54 - Understanding your purpose.

12:26 - The concept of the "Golden Path" in careers.

20:22 - Blueprint process for finding purpose.

37:37 - Practical first steps: an energy audit.

Episode Resources

• perennialpride.com

• https://tieronecoaching.com/

• Connect with Brandon Jenkins

• brandon@tieronelifeinsurance.com