Starting a Business as a Teen and SBA Loan Story

In this eye-opening episode, Charles sits down with Chris Naugle—former pro snowboarder turned wealth strategist and founder of The Money Multiplier—to unpack the unconventional mindset behind true financial freedom. From humble beginnings in Buffalo to building a career on Wall Street and beyond, Chris shares how a series of hard-won lessons led him to one radical idea: become your own bank.

Together, they break down how infinite banking works in plain English—why it's not about chasing crypto or timing the market, but about understanding how money actually moves. Chris reveals how he helps entrepreneurs, investors, and everyday people recapture control of their finances, earn uninterrupted compounding returns, and build wealth that's protected from market chaos.

They go deep into real estate investing, tax strategy, and the future of money—from cost segregation and private banking to how digital currency and policy shifts could reshape financial systems forever. Through it all, Charles and Chris challenge traditional beliefs about debt, risk, and what "security" really means.

This isn't just a conversation about money—it's a blueprint for reclaiming control, mastering cash flow, and building generational wealth that works for you, not against you.

KEY TAKEAWAYS: -How Chris Naugle went from pro snowboarder to multimillionaire wealth strategist -Why the "infinite banking concept" can help you become your own source of financing -The difference between saving money and making money work for you -How to recapture interest you're giving away to banks and lenders

Head over to provenpodcast.com to download your exclusive companion guide, designed to guide you step-by-step in implementing the strategies revealed in this episode.

KEY POINTS: 01:12 – From snowboarder to wealth strategist: Chris opens up about his early days chasing adrenaline on the slopes—and how a career-ending fall pushed him into the world of finance. Charles draws parallels between risk on the mountain and risk in money. 05:40 – Losing it all—and learning the rules of money: Chris shares how the 2008 crash wiped out everything he'd built—and how it became the turning point that led him to rethink everything he knew about wealth. 09:25 – The money multiplier mindset: Chris explains how he discovered the principles behind infinite banking—while Charles explores why most people never learn how money actually works. 14:18 – Becoming your own bank: Chris breaks down the strategy of using properly structured whole life insurance to create liquidity, control, and uninterrupted compounding—while Charles connects it to entrepreneurial freedom. 20:46 – Breaking the myth of debt: Chris challenges the belief that all debt is bad—while Charles highlights how strategic leverage can accelerate financial independence. 26:10 – The power of cash flow over net worth: Chris shows why it's not about how much you have, but how efficiently your money moves—while Charles dives into how mindset determines financial destiny. 31:33 – Creating generational wealth: Chris unpacks how families can pass down knowledge, not just money—while Charles emphasizes the role of discipline, education, and purpose.