Stop Saving Just to Save

In this Prosperity Podcast episode, Kim Butler and Spencer Shaw tackle a question straight from listener feedback: once someone has built a real opportunity fund, six figures or more sitting liquid and ready, what should they actually do with it? Kim starts by dismantling the old rule that opportunities should be chosen by age, growth investments in your thirties, income investments after sixty, and explains why the industry's own numbers no longer support it. Life insurance companies now illustrate policies out to age 120, and if ninety is closer to the midpoint of a life than the finish line, the traditional growth-then-distribution model stops making sense.

Kim's alternative is to let talent and passion, not age or convention, point the way. She walks through her own family's approach to opportunity, from marketing investment in their businesses to a small winemaking experiment with her husband Todd and his sister, and lays out a practical path: get language around your God-given talents with a tool like the Kolbe profile, find a problem you're passionate about solving, and test quickly for real-world results rather than betting everything on time or gut feeling.

The conversation closes on diversification, and Kim reframes it entirely around liquidity. True diversification isn't about how many asset classes you hold, it's about how fast you could turn any of them into cash if a deal went sideways. Kim and Spencer connect this back to Kim's book, "Perpetual Wealth," and the multigenerational story inside it about building an opportunity fund that lasts.

Links & Resources Mentioned Prosperity Thinkers website: https://prosperitythinkers.com/podcasts/

Prosperity Thinkers Shop (Perpetual Wealth book, audio, 52 Tips guide, card game): https://prosperitythinkers.com/shop

Kolbe profile: https://www.kolbe.com

Contact Kim directly: hello@prosperitythinkers.com

Keywords financial freedom, Prosperity Thinkers, opportunity fund, savings, wealth preservation, cash flow, financial education, whole life insurance, confidence, mindset, recommendation, Kolbe profile, talents and passion, purpose, diversification, liquidity, longevity planning, cash value life insurance, Perpetual Wealth, traditional financial advice

Episode Highlights [00:00:00 - 00:01:00] Spencer introduces the episode, built from listener feedback: once you have an opportunity fund, what do you actually pursue?

[00:01:00 - 00:02:00] Spencer lays out the traditional age-based approach to inves