Why the Ultra-Wealthy Only Put 24% in Stocks (and What They Do Instead)

Start making passive income here: https://bit.ly/3KP3uFM  What if everything you've been taught about money saving, investing, and "playing it safe" is exactly what keeps you from building real wealth? My guest today, Dave Wolcott, breaks down what the ultra-wealthy actually do with their money that most people never learn.

Dave's story is incredible. A former Marine Corps Captain turned multimillionaire investor, Dave went from following the traditional "get a job and max your 401(k)" plan to realizing that strategy could never deliver true financial freedom. When his family suddenly grew from one child to four overnight thanks to triplets he knew he had to rethink everything. What followed was a deep dive into how the top 1% and 0.01% really build wealth.

Dave discovered that the ultra-wealthy don't rely on Wall Street. They invest in private assets, they use tax incentives as wealth accelerators, and they stack strategies like infinite banking and alternative investments to create multiple layers of growth and protection. He reveals how groups like Tiger 21, whose average member net worth is $100 million, keep less than 25% of their wealth in the stock market while the rest is working for them through real estate, private equity, and alternative ventures.

We unpack how you can adopt that same model whether you're earning six figures or running a business by shifting from accumulation theory (the "save, wait, and hope" retirement model) to cash-flow investing that pays you now. Dave explains how the wealthy use the tax code as a roadmap, not a penalty system, leveraging incentives in energy, real estate, and business ownership to legally reduce taxes and supercharge returns.

We also dive into how Infinite Banking (IBC) fits into this bigger picture using your own capital as a warehouse to fund deals, create liquidity, and compound growth tax-efficiently. You'll see how the ultra-wealthy combine IBC, real estate, and private investments to multiply returns and achieve near-zero tax exposure all while maintaining control over their capital.

If you've ever wondered why the rich keep getting richer while everyone else keeps "diversifying" into Wall Street mutual funds, this conversation will change the way you think about money forever.

Get your free copy of Dave's book, "The Holistic Wealth Strategy," at holisticwealthstrategy.com and start building your own framework for lasting wealth beyond the markets.

Dave's links:

-Website: https://pantheoninvest.com/  - LinkedIn: https://www.linkedin.com/in/dave-wolcott-863306/  - Facebook: https://www.facebook.com/dave.wolcott.589  - Instagram: https://www.instagram.com/pantheoninvest/