Today’s episode of The Cashflow Chronicles is one you do not want to miss—especially if you're 35 or older and serious about protecting your wealth and your family’s future.

Shawn King sits down with Michelle Prather from OneAmerica to talk about a powerful but often overlooked financial tool: Asset-Based Long-Term Care. This is not your grandfather’s LTC policy—Michelle breaks down how today’s modern version is built on a whole life insurance foundation, offering protection, guarantees, and peace of mind that traditional LTC just couldn’t provide.

📺 Want to follow along with visuals?
Head over to our YouTube channel, Legacy Life and Retirement, where Michelle gives a live, slide-based walkthrough of the entire product and strategy so you can see how it works in real time.
👉https://www.youtube.com/@LegacyLifeRetirement

• Why Long-Term Care is one of the most important but overlooked parts of a real financial plan
• How OneAmerica’s LTC product differs from the old-school version your parents may have had
• The benefits of LTC built on a whole life policy chassis
• Real-world examples of how this policy can protect you, your spouse, and your estate
• The massive cost of long-term care in retirement—and how pennies on the dollar today can save you tens of thousands later
• What makes this policy one of the only options that covers both individuals and couples
• Why the best time to get it is in your 30s or 40s (while it's more affordable and easier to qualify for)

Most people wait until it's too late to think about long-term care. But wealth isn’t just about growing money—it’s about protecting it. And this tool gives you the power to do both:
✅ Grow your wealth through a properly structured whole life policy
✅ Access tax-advantaged cash value
✅ AND have robust long-term care coverage in place—without ever “losing your money” like old LTC plans

If you’re 35+ and don’t yet have a real long-term care plan in place, this episode could literally save your retirement.
Watch the full visual overview on YouTube and then schedule your free consultation to see if this strategy makes sense for your life.

📺 Watch the YouTube Overview w/ Michelle Prather:
👉 https://www.youtube.com/@LegacyLifeandRetirement

📞 Book Your FREE Cash Consultation Call with Shawn:
👉 https://calendly.com/shawnksfg/infinite-banking

🔗 Explore More Resources:
👉 https://linktr.ee/legacylifeandretirement

🌐 Visit the Website:
👉 https://legacylifeandretirement.com

📧 Contact Shawn Directly:
👉 Info@LegacyLifeandRetirement.com

The earlier you plan, the more powerful this becomes.
The information is free—but the knowledge is priceless.
Don’t wait—protect your assets while you still can.

In this episode, we cover:Why This Matters:Call to Action:

In this episode of The Cashflow Chronicles, Shawn King breaks down one of the most misunderstood concepts in personal finance: the difference between good debt and bad debt.

Most people are taught to fear all debt—but that’s a mistake. Not all debt is created equal. In fact, if used strategically, the right kind of debt can actually help you build wealth, buy back your time, and create long-term financial freedom. The problem is, most people are stuck using debt the wrong way—and it’s draining their cash flow and destroying their future.

🎙️ Inside this episode:• What debt really is (and why it’s neutral—not evil)• The difference between wealth-building debt and wealth-draining debt• Examples of good debt (real estate, business loans, strategic education, and Infinite Banking)• Examples of bad debt (credit cards, auto loans, Buy Now Pay Later schemes)• How to eliminate bad debt and start flowing money through a system that works for you• Why Infinite Banking can transform debt into a strategic asset• How to get out of the financial rat race by using debt the right way

Whether you’re drowning in debt or just looking to sharpen your financial tools, this episode is a must-listen.

Key Takeaways:

✅ Good debt increases your income, cash flow, or net worth✅ Bad debt funds lifestyle now at the expense of future freedom✅ Infinite Banking turns your cash into a multi-use asset✅ Most people aren’t in debt because they’re irresponsible—they just weren’t taught the rules✅ The goal isn’t to be “debt free”… it’s to be financially free✅ You need a system that helps you control your cash, eliminate bad debt, and leverage good debt with intention✅ If you want help building your plan, Shawn can guide you—step by step

Ready to ditch bad debt and start leveraging smart strategies to build real wealth? Start by watching the full Save & Spend System overview—and then book a free call with Shawn to map out your next steps.

📺 Watch the Full Save & Spend System Presentation:👉 https://saveandspendsystem.com/startnow2

📞 Book Your FREE Cash Consultation Call with Shawn:👉 https://calendly.com/shawnksfg/infinite-banking

🔗 Connect, Learn & Grow:👉 https://linktr.ee/legacylifeandretirement

🌐 Visit the Website:👉 https://legacylifeandretirement.com

📧 Contact Shawn Directly:👉 Info@LegacyLifeandRetirement.com

If this episode resonated with you and you're ready to build a financial system that puts you back in control, start with the Save & Spend System overview, then book your Free Cash Consultation with Shawn directly.

🌐 Visit our website:👉 ⁠⁠https://legacylifeandretirement.com⁠⁠

🎥 Watch the Full Save & Spend Presentation:👉 ⁠https://saveandspendsystem.com/startnow2⁠

📞 Book Your FREE Cash Consultation Call:👉 ⁠https://calendly.com/shawnksfg/infinite-banking⁠

📘 Start your financial education with these recommended reads:• Becoming Your Own Banker by R. Nelson Nash – ⁠Buy on Amazon⁠

🔗 Connect, Learn, and Share:👉 ⁠https://linktr.ee/legacylifeandretirement⁠

📧 Contact us directly:👉 ⁠Info@LegacyLifeandRetirement.com⁠

The information is free—but the knowledge is priceless.Subscribe, share, and remember: fortune favors the informed.