In this episode of the Freedom and Prosperity Podcast, host Desi Arnaz sits down with Matt Ruttenberg, 401(k) specialist and co-owner of Life Inc. Retirement Services, to reveal the surprising flexibility and opportunities hidden inside retirement plans — especially for entrepreneurs and small business owners.

From custom-built plans to tax strategies and self-directed investing, Matt shares how 401(k)s can go far beyond the “cookie-cutter” options most people are used to. Whether you’re a solo entrepreneur, running a growing company, or looking for new ways to invest through your retirement account, this conversation will open your eyes to what’s truly possible.

Key takeaways from this episode include:

• Why not all 401(k)s are created equal — and how to customize one for your needs.
• How business owners can offer retirement plans that attract and retain top talent.
• Strategies for using your 401(k) to invest in real estate, private lending, cryptocurrency, and more.
• The difference between IRAs, Solo 401(k)s, and employer-sponsored plans.
• How the right structure can lower your taxable income and accelerate wealth-building.

Matt also explains how entrepreneurs can design plans that benefit themselves and their employees — while staying compliant and maximizing flexibility.

Guest Info: Matt Ruttenberg – 401(k) Specialist & Co-Owner, Life Inc. Retirement Services Website: http://401k.expert/ Email: matt.ruttenberg@lifeincrs.com

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on the Freedom and Prosperity Podcast at FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn from your story.

In this episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with Mary Hart, a former attorney turned successful real estate investor and private lender. Mary shares her inspiring story of walking away from a thriving law practice to pursue a life of freedom, financial growth, and helping others achieve the same.

Mary’s journey is proof that fulfillment and prosperity are possible when you follow your passion and embrace new opportunities. From owning a law firm to becoming a private lender, she’s built a legacy that combines her expertise in law with her passion for real estate investing.

Key takeaways from this episode include:

• How Mary transitioned from law to real estate and private lending.
• The challenges of letting go of a stable career and pursuing a new venture.
• How Mary’s investments in short-term rentals, self-storage, and retail spaces have provided significant returns.
• The importance of mindset, knowledge, network, and action in building wealth.
• The power of private lending and how it provides funding for others’ real estate ventures while growing wealth.
• How Mary navigated the emotional challenges of stepping into new roles and reinventing her career.

Mary’s story is an incredible example of how anyone can pivot, reinvent themselves, and achieve true prosperity with the right mindset and actions. Tune in and get ready to be inspired!

Guest Info: Mary Hart – Real Estate Investor, Private Lender, and Entrepreneur Website: www.FairOaksFunding.com Email: maryhart@fairoaksfunding.com

Be a Guest Do you have a story of success, wealth, or transformation? Apply to be a guest on the Freedom and Prosperity Podcast here and share your insights with our listeners.

In this exciting episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with Lane Kawaoka, a successful real estate investor, author, and entrepreneur. Lane shares his journey from working as an engineer to becoming an accredited investor and diving deep into real estate syndications, a strategy that has allowed him to scale his wealth significantly.

Lane’s story is an inspiring one, showcasing how you don’t need to be born with a silver spoon to achieve financial success. In this episode, you’ll learn:

• How Lane transitioned from a traditional career to real estate and entrepreneurship.
• The importance of financial education and networking for wealth-building.
• The concept of the Wealth Elevator and the different "floors" to financial success.
• Why syndication is a game-changing strategy for accredited investors.
• How real estate offers tax benefits, depreciation, and the power of leveraging debt to build wealth.
• Insights on the importance of team collaboration and finding the right ecosystem for growth.
• Lane's book "The Wealth Elevator" and how it can help you understand where you are in your wealth journey and how to move up.

Lane also talks about how infinite banking and tax-efficient strategies are crucial for creating long-term wealth and prosperity. If you’re ready to scale your wealth with real estate or looking to understand more about alternative investments, this episode is packed with value!

Guest Info: Lane Kawaoka – Real Estate Investor, Author, and Podcast Host Website: www.TheWealthElevator.com Podcast: The Wealth Elevator Podcast Email: Team@TheWealthElevator.com

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn about you.

In this enlightening episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with Kristine Ovsepian, a transformative hypnotherapist and mindset expert, to discuss how overcoming stress, anxiety, and limiting beliefs can lead to a life of true freedom and prosperity.

Kristine shares her personal journey from a 10-year career in accounting to becoming an expert in hypnotherapy, helping individuals break free from their emotional and mental blocks. After experiencing firsthand the toll that stress and an unfulfilling career can take on health, Kristine turned to hypnotherapy to heal herself, and now helps clients transform their own lives.

In this episode, Kristine dives deep into the following:

• How hypnotherapy can help rewire limiting beliefs and negative patterns.
• Why self-love and self-trust are crucial for achieving freedom and prosperity.
• The power of the subconscious mind and how it shapes our lives.
• How changing your beliefs about yourself can transform your life and business.
• Insights into Kristine's two transformative books: Living Through Choice: Transforming Fears to Love and Wisdom is Unbound.
• The incredible impact of trusting your gut instincts and using them to guide you toward success and prosperity.

If you're ready to break free from the patterns that hold you back, change your mindset, and step into your full potential, this episode is for you!

Guest Info:

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn about you.

In this exciting episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with John Tucker, founder of HelpFlow, to discuss how he's revolutionizing the virtual assistant industry by combining AI technology with human expertise. John’s innovative approach allows businesses to scale faster by using AI to assist virtual assistants in performing tasks more efficiently.

From his early entrepreneurial days of selling on eBay to building AI-driven solutions for virtual teams, John shares his journey into the world of AI and virtual assistants. He explains how AI agents are transforming the way businesses operate by automating processes while still maintaining the personal touch. This episode also dives into how AI is helping business owners delegate effectively and regain their time, a must-listen for anyone looking to boost productivity and efficiency in their business.

In this episode, you’ll learn:

• How AI-driven virtual assistants can streamline your business operations.
• The importance of systems and delegation to scale your business effectively.
• How AI collaboration creates better workflows for entrepreneurs and teams.
• John’s insights on the future of AI and automation in business.
• Tips for entrepreneurs looking to regain time, delegate tasks, and grow their businesses without burnout.

Whether you're a seasoned entrepreneur or just starting out, this episode is packed with actionable advice on leveraging AI to scale your business and improve your productivity.

Guest Info: John Tucker – Founder of HelpFlow Email: Jon@HelpFlow.com Website: www.HelpFlow.com

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn about you.

In this episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with Dr. David Fogel, a scientist, engineer, entrepreneur, and musician, to discuss the fascinating intersection of artificial intelligence and music. Dr. Fogel shares his journey from AI pioneer to professional musician, as well as his unique contributions to the Symphonina Foundation, which promotes symphony music to younger generations.

Dr. Fogel’s journey is an inspiring tale of embracing diverse interests and talents. He reveals how AI has evolved over the years—from its humble beginnings in the 1960s to its current use in self-driving cars and AI-generated music. Dr. Fogel also shares the concept of Symphonina, a shorter, more accessible form of classical music, and how his foundation is using AI technology to record music remotely with musicians from around the world.

In this episode, you’ll hear about:

• How AI is revolutionizing art and music, and the challenges it brings to the artistic community.
• Dr. Fogel’s entrepreneurial journey from working with AI systems to creating a foundation for young musicians.
• The concept of the Symphonina Orchestra, where young musicians get the chance to play alongside elite professionals.
• The mindset needed to adapt to change in today’s rapidly advancing technological landscape.

This conversation is a must-listen for anyone interested in AI, entrepreneurship, and the future of music in a digital age.

Guest Info: Dr. David Fogel – Founder of Symphonina Foundation Email: davidfogel@symphonina.org Website: Symphonina.org

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn about you.

In this episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with Nicole Jansen, a Transformation Coach and Podcast Host of Leaders of Transformation, to dive into her journey from early entrepreneurship to helping others maximize their potential. Nicole shares how she discovered her passion for empowering individuals and organizations to achieve their goals by tapping into their unique strengths.

Nicole takes us through her personal experience of entrepreneurship, starting as a young entrepreneur in her teens, and the ups and downs of building and losing a business. After facing a tough setback, Nicole explains how she found her true calling—coaching—and how she now helps entrepreneurs, leaders, and organizations build resilience, confidence, and success.

In this episode, Desi and Nicole explore:

• The entrepreneurial mindset and why it’s essential to success.
• Leadership principles that empower people to take control of their destiny.
• How Strengths Finder and Colby assessments can help identify your true potential.
• The power of vision and how it can fuel both business and personal transformation.

Nicole’s approach to coaching and transformation is designed to help you overcome obstacles and unlock your best self, whether in business or in life.

Guest Info: Nicole Jansen – Transformation Coach & Podcast Host Email: Nicole@LeadersOfTransformation.com Website: LeadersOfTransformation.com

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on FreedomAndProsperityPodcast.com/Guest and share your expertise with a wide audience eager to learn about you.

What does it take to build a thriving business from the ground up with very little investment? In this episode of the Freedom and Prosperity Podcast, Desi Arnaz sits down with Jay Ullrich, the founder of HostBuddy.AI, to discuss his inspiring entrepreneurial journey—from his background in civil engineering to creating a cutting-edge AI platform for short-term rental property managers.

Jay shares how he merged AI technology with property management to create a tool that automates guest communication, making life easier for property hosts and managers. He also dives into the bootstrap approach to business, explaining how he started his venture with minimal funds and built it into a successful company in just a short time.

In this conversation, Desi and Jay discuss:

• The power of AI in property management and how it’s transforming the industry.
• The rental arbitrage strategy and how Jay started his business with very little money.
• The importance of finding good partners and leveraging their expertise.
• Entrepreneurship, risk-taking, and the mindset shift that led Jay to quit his 9-to-5 and pursue his passion full-time.

This episode is full of real-world insights, practical advice, and inspiration for anyone looking to make their entrepreneurial dreams a reality—no matter where they’re starting from.

Guest Info: Jay Ullrich – Founder of HostBuddy.AI Email: Jay@HostBuddy.AI Website: www.HostBuddy.AI

Be a Guest Are you a successful business owner, entrepreneur, or professional with insights to share? Apply to be a guest on https://freedomandprosperitypodcast.com/Guest and share your expertise with a wide audience eager to learn about you.