Master Your Millions

In this episode, your host Jason and Tonja Henderson discuss:Financial Education GapsControl of Personal WealthDeceptive Investment PracticesPublic Education System LimitationsIntentional Financial Strategy DevelopmentKey Takeaways:Financial education is critically absent in traditional schooling, and individuals must proactively seek knowledge about money management and wealth building through books, podcasts, and strategic learning.Controlling your money means rejecting the standard narrative of investing blindly in 401(k)s and stock markets. Investors should scrutinize the actual mathematical performance behind percentage claims rather than accepting surface-level numbers.The current economic system is structured to keep people financially dependent and distracted from true wealth creation, and breaking free requires challenging programmed thinking and developing a strategic, intentional approach to personal finance.Every financial journey begins with committing a portion of income to a system you own and control completely."If you're so smart, why aren't you rich?” — Jason Henderson’s professorConnect with Jason and Scott:Website: https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook: https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/ @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

About K'Lee Terrazas:K'Lee Terrazas is the founder of Legal Lead Sharks, bringing over 15 years of experience in sales and marketing to help law firms grow smarter and scale faster. More than just a Google Ads agency, her team acts as a fractional CMO, guiding firms from lead generation to signed cases by fixing the often-ignored systems after the click. Through this work, K'Lee uncovered a major bottleneck in most firms: intake. This inspired the creation of Intake EQ, a modern solution that uses smarter systems, streamlined follow-up, and realistic AI Voice Agents to convert more leads without the burden of hiring or managing staff.When her husband Jason joined the team, his expertise in HR, payroll, and payments expanded their offerings with PayLynx Global, automating backend tasks like payroll and compliance. Together, they help law firm owners stop wearing all the hats and start focusing on what matters—being the attorney. From high-quality lead generation and intake automation to payment systems and CRM support, their mission is simple: Automate. Delegate. Eliminate.In this episode, your hosts, Jason and Scott, together with K'Lee Terrazas, discuss:Delegate $10/hour tasks to focus on business growthCreate a precise client avatar for targeted marketingNot all money is good money - choose clients wiselyNiche down to become an invaluable expert in your fieldStep out of your comfort zone to make a business impactKey Takeaways:Hiring someone who can do the job 50% as effectively allows business owners to focus on high-value activities that drive growth.Identifying a precise client avatar is crucial for targeted marketing and business success, and by understanding exactly who you want to serve, you can create more meaningful connections and avoid wasting resources on unsuitable clients.When you immerse yourself in a specific industry, you become more than just a service provider - you become a trusted advisor.Scaling a business requires shifting from a scarcity mindset to a growth-oriented perspective, as embracing automation, strategic hiring, and continuous learning can help entrepreneurs break through limiting beliefs and expand their potential.Whether it's public speaking, reaching out to new opportunities, or challenging your own assumptions, growth happens when you're willing to take calculated risks."If you're talking to if you're talking to everyone, you're talking to no one. So if you think I can do business with anyone, and so anyone's my customer, that's not true.” — K'Lee TerrazasConnect with K'Lee Terrazas:  Website: https://legalleadsharks.com/ LinkedIn: https://www.linkedin.com/in/k-lee-terrazas-9366b31b4/Instagram: https://www.instagram.com/legalleadsharks/ Connect with Jason and Scott:Website: https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook: https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/ @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

About K'Lee Terrazas:K'Lee Terrazas is the founder of Legal Lead Sharks, bringing over 15 years of experience in sales and marketing to help law firms grow smarter and scale faster. More than just a Google Ads agency, her team acts as a fractional CMO, guiding firms from lead generation to signed cases by fixing the often-ignored systems after the click. Through this work, K'Lee uncovered a major bottleneck in most firms: intake. This inspired the creation of Intake EQ, a modern solution that uses smarter systems, streamlined follow-up, and realistic AI Voice Agents to convert more leads without the burden of hiring or managing staff.When her husband Jason joined the team, his expertise in HR, payroll, and payments expanded their offerings with PayLynx Global, automating backend tasks like payroll and compliance. Together, they help law firm owners stop wearing all the hats and start focusing on what matters—being the attorney. From high-quality lead generation and intake automation to payment systems and CRM support, their mission is simple: Automate. Delegate. Eliminate.In this episode, your hosts, Jason and Scott, together with K'Lee Terrazas discuss:Personal Branding MattersMarketing is a Wealth MultiplierStorytelling Builds TrustConsistency Drives SuccessUnderstand Your Marketing MetricsKey Takeaways:Marketing isn't just a checkbox—it's the lifeblood of business growth. Storytelling transforms cold leads into warm connections by revealing your authentic self, as crafting narratives that solve problems can resonate emotionally with your target audience.When clients connect with you as a person, they're more likely to trust and choose your services.Consistent content creation, especially through video, builds credibility and visibility in a crowded marketplace, and showing up regularly with valuable insights positions you as an expert in your field.Delegating specialized tasks to experts who can interpret data allows you to focus on your core strengths and vision."If you have a business right now and sales feels like pulling teeth, it's because you're not doing marketing right?” — K'Lee TerrazasConnect with K'Lee Terrazas:  Website: https://legalleadsharks.com/ LinkedIn: https://www.linkedin.com/in/k-lee-terrazas-9366b31b4/Instagram: https://www.instagram.com/legalleadsharks/ Connect with Jason and Scott:Website:     https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook:  https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/         @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

In this episode, your hosts, Jason and Carter, discuss:Recapture money from traditional banking systemsControl personal capital and banking functionBuild consistent financial foundationProtect wealth across generationsDevelop financial education for legacyKey Takeaways:Infinite Banking Concept (IBC) transforms how you interact with money, and instead of being controlled by traditional banking systems, you become the owner of your financial strategy.Traditional retirement accounts restrict access, while IBC provides immediate capital flexibility.Wealthy individuals think generationally, not paycheck to paycheck. Whole life insurance is a powerful tool used by corporations and financial elites, and understanding its strategic value can unlock significant wealth-building potential.Shifting from asking "What's the minimum?" to "What's the maximum?" can fundamentally change your approach to personal finance."If you have a wonderful opportunity in front of you, but you don't have the ability to take advantage of it, you might as well never have had the opportunity.” — Carter HendersonConnect with Jason and Scott:Website:     https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook:  https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/         @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

In this episode, your hosts, Jason and Scott, discuss:Whole life insurance as a personal banking toolImmediate cash value access and liquidityTax-free loans and death benefitsIntergenerational wealth transfer strategyGuaranteed vs. non-guaranteed insurance productsKey Takeaways:Whole life insurance isn't just an investment; it's a financial strategy for controlling your money where you have a personal banking system where you make the rules, not traditional banks.Cash value in these policies can be accessed quickly, often within days of premium payment. Borrowing against your policy doesn't interrupt the compound interest growth, making it a powerful wealth-building tool, and your cash value continues to grow uninterrupted, even while you're using loans from the policy.By understanding their strategy, you can potentially create a similar financial foundation for your family.Indexed Universal Life (IUL) policies come with significant risks and unpredictable moving parts, but whole life insurance offers guaranteed growth and stability, making it a more reliable long-term financial strategy."You're not choosing IBC instead of investing. You're using it to fund your investments and keep control all along the way.” — Jason HendersonConnect with Jason and Scott:Website:     https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook:  https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/         @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

In this episode, your hosts, Jason and Scott, discuss:The education system is designed to create compliant workersThe wealthy control financial systems through different rulesLimited access to retirement funds keeps people financially stuckLiquidity and control are critical for seizing financial opportunitiesTax strategies and entities help the wealthy minimize financial burdensKey Takeaways:The education system isn't broken; it was intentionally designed to transform entrepreneurial minds into compliant workers.Financial institutions create a rigged game where they access capital at wholesale rates while consumers pay retail, and understanding this disparity can help individuals seek alternative strategies for wealth building.Those with readily available cash can negotiate better terms and capitalize on time-sensitive investments.Taxation and financial structures are interconnected tools that the wealthy strategically use to minimize their financial burdens, and exploring legal methods like cost segregation and strategic entity formation can significantly reduce lifetime tax obligations.Viewing finances like a strategic game - where asset acquisition matters more than simply passing "GO" - can fundamentally shift one's financial trajectory."Remember, the game is against you. You need to think like the 1%.” — Scott HendersonConnect with Jason and Scott:Website: https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook:  https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/ @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

In this episode, your hosts, Jason and Scott, discuss:●    Money Mindset: Relationship with money shapes financial success●    Wealth vs. Rich: Wealth is about time and systems, not just income●    Control and Process: Wealthy people maintain control of their financial strategies●    Mission Alignment: Connecting money to personal mission creates fulfillment●    Three Pillars: Mindset, Money Mastery, and Mission drive true wealth building Key Takeaways:●    Your relationship with money isn't just about numbers—it's deeply rooted in childhood experiences and learned beliefs. ●    Wealth isn't measured by income, but by your ability to generate consistent cash flow without active work, and creating systems that produce predictable returns becomes more valuable than chasing high-risk, high-reward fantasies.●    Control trumps rate of return when building sustainable wealth. ●    Aligning money with personal mission transforms financial pursuits from transactional to meaningful, and as an example, when your financial strategies serve a deeper purpose, work becomes energizing rather than draining.●    Giving without expectation paradoxically opens pathways to receiving more than traditional financial strategies suggest. "Wealthy people are masters of their money. They don't outsource the control of their money to someone else.” — Jason HendersonConnect with Jason and Scott:Website: https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook: https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/ @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

About Barry Shore:Barry Shore, known as the Ambassador of JOY, is a mental health activist, best-selling author, and successful serial entrepreneur with two multimillion-dollar exits and three U.S. patents. After becoming a quadriplegic overnight from a rare disease, Barry transformed his life by building systems to help others live in JOY daily. His story of resilience and purpose has touched millions through his podcast, speaking engagements, bestselling book The JOY of Living, and the global Keep Smiling Movement, which has distributed over 3.2 million JOY cards to uplift lives, save marriages, and promote happiness around the world.A Boston native with entrepreneurial roots stretching back to childhood, Barry’s early experiences—shoveling snow, selling scorecards at Fenway Park, and launching college ventures—laid the foundation for a life of impact. From surviving a near-fatal car accident to running a $100 million diamond business, Barry has consistently turned adversity into opportunity. Today, he empowers audiences globally to embrace a mindset of giving, gratitude, and possibility, proving that the JOY of LIVING truly begins with GIVING.In this episode, your hosts, Jason and Scott, together with Barry Shore, discuss:Giving muscle builds real wealthShift perspective from obligation to opportunityOne person can create a tsunami of goodnessWealth is more than moneyMindset determines life's trajectoryKey Takeaways:The "giving muscle" is crucial for personal growth, and exercising generosity, even with small amounts, can transform your relationship with wealth and community.Choosing how to respond to difficult situations determines your path and potential for success.Real wealth transcends financial numbers and material possessions. Younger generations need to reconnect with the power of giving, and developing a mindset of contribution can unlock opportunities and personal fulfillment.One person's commitment to doing good can create a ripple effect that touches countless lives."You are a channel of goodness, or a child of God, and you can be that conduit for bringing forth benefit to other people. Is there anything better in life? That's what gets me out of bed in the morning.” — Barry ShoreConnect with Barry Shore:  Website: https://barryshore.com/ LinkedIn: https://www.linkedin.com/in/barryshore Instagram: https://www.instagram.com/barryeshore Facebook: https://www.facebook.com/barryeshore/ X (Twitter): https://x.com/ambassador4joy Connect with Jason and Scott:Website: https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook: https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/ @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

In this episode, your hosts, Jason and Scott, discuss IBC questions from listeners, including:Strategic Premium Funding ApproachFlexible Policy Loan ManagementWhole Life Policy AdvantagesIntergenerational Wealth Building SystemCapital Access and Arbitrage StrategyKey Takeaways:Start small and grow your premium contributions over time, as comfort and consistency matter more than hitting a massive initial target.Treat policy loans as a versatile financial tool for personal and investment needs. Universal life policies often collapse, making whole life a more stable long-term solution, and guaranteed structures provide a solid financial foundation for generational wealth.Create a family banking system that teaches financial responsibility because passing down structured financial knowledge becomes more important than transferring raw wealth.Focus on capital access and deployment rather than just internal policy returns. "Put as much as you can, as fast as you can, for as long as you can.” — Jason HendersonConnect with Jason and Scott:Website: https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook:  https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/          @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com

In this episode, your hosts Jason and Scott discuss:●    Breaking generational financial cycles●    Creating personal banking systems●    Importance of financial education●    Leveraging other people's resources●    Training heirs, not just accountants Key Takeaways:●    Wealthy families don't just accumulate wealth; they create systems that perpetuate financial growth across generations.●    Traditional education fails to teach real financial principles, and breaking free from the industrial-era mindset of job dependency requires intentional learning and strategic thinking.●    Controlling your financial ecosystem matters more than simply earning money. ●    Leverage isn't just about money, but also involves utilizing other people's time, knowledge, and resources, and successful families train their heirs to think strategically about wealth creation, not just accounting.●    Reading key financial books, having open family discussions about money, and developing a long-term wealth strategy are critical steps in breaking generational financial cycles. "The business of banking is nothing more than buying money at wholesale and selling at retail” — Jason Henderson  Connect with Jason and Scott:Website:    https://henderxcapital.com/masteryourmillionsX (Twitter): @MasterYourMs https://twitter.com/MasterYourMs Facebook: https://www.facebook.com/groups/realestateinvestorsofutah Instagram: @henderxcapital https://www.instagram.com/henderxcapital/         @jasonihenderson https://www.instagram.com/jason.henderson/ Email: jasonchem@gmail.com, scott@henderxcapital.com