Digital Social Hour
The Hidden Wealth Building Tools The Financial System Doesn't Want You To Know | Ben Oberg DSH #1380
Thu, 22 May 2025
🚀 From $0 to $400K/Month: Learn the secrets to entrepreneurial success in this game-changing episode of the Digital Social Hour with Sean Kelly! 📈 Join the conversation as guest Ben shares his inspiring journey from scraping by with a coffee table and laptop to making $400K per month. Packed with valuable insights on navigating business challenges, mastering financial strategies, and building true wealth, this episode is a goldmine for aspiring entrepreneurs! 💡✨ Discover Ben’s unique approach to leveraging gold, silver, and institutional-grade whole life insurance to become his own bank. 🏦 He opens up about overcoming lawsuits, building passive income through real estate and oil investments, and creating a life of freedom. Plus, hear how his book, "American Mediocrity," dives into conquering setbacks and scaling to new heights both professionally and personally. 📚🔥 Don’t miss out on this insider look at what it really takes to succeed in today’s world. Watch now and subscribe for more eye-opening stories on the Digital Social Hour with Sean Kelly! 📺 Hit that subscribe button and stay tuned for more powerful conversations and exclusive strategies. 🚀💼 CHAPTERS: 00:00 - Intro 00:34 - Ben's Early Years 02:27 - Legal Battles 04:10 - Bouncing Back After Losing Everything 06:24 - Starting His Marketing Agency 07:54 - Wealth Creation vs. Mainstream Information 09:19 - Traditional Retirement Plans Are a Scam 11:40 - Making 10% Returns Without Risk 18:14 - Gold and Silver vs. Stock Market 19:55 - Tax Benefits of Real Estate and Oil Investments 24:47 - Investing in Gold and Silver 27:50 - The Case for Undervalued Silver 29:10 - Inflation Impact on Silver 34:10 - Financial System and Poverty 41:19 - US Dollar Collapse Predictions 48:50 - American Mediocrity 53:04 - Contacting Ben APPLY TO BE ON THE PODCAST: https://www.digitalsocialhour.com/application BUSINESS INQUIRIES/SPONSORS: [email protected] GUEST: Ben Oberg https://www.instagram.com/benoberg https://thecapitalistnetwork.com/digitasocialhour American Mediocrity: Oberg, Ben: 9798310592131: Amazon.com: Books To learn how to build wealth with Ben and his millionaire and billionaire investment partners, go to 👉 https://thecapitalistnetwork.com/digitasocialhour 👈 and join his community This is where you’ll get access to the investment strategies, tax strategies, mentorship, and wealth-building opportunities normally kept amongst friends and family. Through TCN, you’ll be able to go at your own pace and get access to deals exclusively offered to TCN members, higher preferred returns on real estate, institutional grade financial products (the kind that financial advisors don’t even know exist), and more. Members get a free, signed copy of American Mediocrity and access to in-person events, conferences, and masterminds! Go to 👉 https://thecapitalistnetwork.com/digitasocialhour 👈 and join now! SPONSORS: SAMRBOSA: https://sambrosa.com/ LISTEN ON: Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 Sean Kelly Instagram: https://www.instagram.com/seanmikekelly/ The views and opinions expressed by guests on Digital Social Hour are solely those of the individuals appearing on the podcast and do not necessarily reflect the views or opinions of the host, Sean Kelly, or the Digital Social Hour team. While we encourage open and honest conversations, Sean Kelly is not legally responsible for any statements, claims, or opinions made by guests during the show. Listeners are encouraged to form their own opinions and consult professionals for advice where appropriate. Content on this podcast is for entertainment and informational purposes only and should not be considered legal, medical, financial, or professional advice. #goldprice #silverstacking #silverprice #goldsilverratio #businessideas
Chapter 1: What was Ben's journey from zero to success?
Okay, guys, got a very interesting story today. We got Ben here today from zero to $400,000 a month. Thanks for coming on, man. Appreciate it. Thanks for having me, man. Yeah, I got to hear how you pull that off because that is not an easy number to get to.
I started by losing all of it every month for a very long time. That's usually how it goes, right? Yeah, yeah. I basically, you know, when I got out of high school, I was just looking at people that were going to college and getting degrees and then coming back and working at Subway. And I'm like, man, It doesn't make much sense to me. So like, is the information college just not working?
Chapter 2: What legal challenges did Ben face in his business?
Like if you're a doctor, a lawyer, engineer, I get it. But I'm like, man, I want to own my own business. I don't know anybody going to college that's, you know, learning from successful, you know, business professors. So I just took a minute and I'm like, you know, one thing I like is cars. I'm a huge car fanatic.
So I ended up going into sales and being in the car business for like four years taught me just the foundation of everything I use today in my business. And when I was about 22, I quit. I didn't have a college degree or not a certificate in the world.
Chapter 3: How can you create wealth outside of traditional methods?
And so I started out on my own, no money in the bank, a mortgage, a car payment, all the typical American debt, and just scraped by at a coffee table on a laptop, started my own business. And then I got into investing and learning from people that were multimillionaires and billionaires. But I went from zero to three, 350K a month and lost it. Had to build it back from scratch. I did that twice.
Damn. I went through three or four lawsuits in business. Jeez. And I learned that if you are successful in business and you've got a product or service that that industry wants... They'll just exhaust you in legal fees because they can outspend you. And so I learned my way around kind of our business legal system.
And I'm like, man, the more I can do with investments and things that are a little bit in my control with less people and less big businesses, the more passive I can create, the more it's going to have freedom for me.
Chapter 4: Why are traditional retirement plans considered scams?
What did you figure out in the business legal side of things to, I guess, protect yourself better? Yeah.
Trust, super important. Have a trust. Holding companies where they're like non-disclosure states, like Wyoming, for example. LLCs, very important. Bracketing assets where, you know, if you've got a certain amount, you don't own anything. Like Sean doesn't own anything. Ben doesn't own anything, right?
It's a business that's owned by another business that owns that stuff because at the end of the day, it's not, you're not trying to screw anybody over. It's, If you are ethical and you hustle and you show up and you get big enough, people will want to fuck with you. And that's just the truth. I've dealt with two so far.
And yeah, it's unavoidable.
Dude, I used to think like, I'll just have like my lawyer calls me. He's my lawyer and my phone. You can't have just my lawyer. There's like six lawyers now, you know? You need to allocate like 10, 20%. They say just illegal. Literally every month. Yeah. Yeah. Part of the game. And you have to just go, you know what?
Accept that that is going to be something in business because if you let it consume you, it's like, I don't look at lawsuits as a bad thing. It built my character. As long as you're on the good side of it. And you can be the defendant. You can be the plaintiff. But if you're the honest one, you're the ethical one, you're on the right side of it.
So you just have to know that that's part of business, part of scaling. Unless you're staying at 30, 40, 50K a year, probably not. But you scale, you're going to get fucked with it.
You could be running a charity. You could be Mr. Beef. You're going to get sued. Absolutely. It doesn't matter. You could be the nicest guy in the world. It doesn't matter. If you're making a million a month, you're getting sued. Absolutely. That's just part of the game, man.
You just got to smile. It literally, that's why I smile. It makes me laugh because it's like, man, there's so much bullshit that I have been through and all at the same time. But you just got to grow. How'd you bounce back the second time or first time, I guess, too? Oh, man. You know, I'll keep the names and the details out. But long story short, I had helped a company. I had a marketing firm.
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Chapter 5: How can gold and silver investments protect against inflation?
You know, it wasn't your work. I had a cease and desist the next day. And then they instilled a lot of doubt in my clients and I started seeing them drop left to right. And I went from, like I said, about 350,000 a month to zero and about.
Chapter 6: What strategies can maximize tax benefits in investing?
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six weeks I had to fire like 20 people and like I'm 27 or something at that point so like I'm like just sitting here like dude I'm doing good now my lifestyle's becoming good I'm able to start achieving some of the goals I want and that just gets swept out mhm And right during COVID too. So it's like, man, like everything's shut down. It's hard to scale.
So I ended up, ironically, you're marketing for all these different clients and all these different industries. And two of them happen to be financial advisors. And so just out of the necessity to have to adapt and overcome, I'm like, well, it's hard to get results for everybody in all different directions and all different industries when you're marketing.
So why don't we just niche down into an industry? So we ended up working with financial advisors. And this is like five years ago at this point. And in that five-year period of time, I got really good results for advisor one. Advisor one referred me to advisor two. And then my company went and started working with a lot of advisors. So we kind of snowballed that back in.
But I, looking back on it, I'm really glad all of it happened because if I hadn't started working with financial advisors, and some of them are great and some of them aren't, I wouldn't have been able to see how little they actually know about building wealth, creating income, paying less taxes. They don't know anything about that.
So I, in one hand, am marketing and generating appointments for what would be considered America's top... 5% of financial advisors, you know, cumulatively managing billions of dollars. These are my clients.
And in another hand, I'm learning from guys that are absolute billionaires in assets where they pay way less in taxes and they have way more leverage and they're not waiting until they're 65 to retire. And so it kind of gave me that contrast to go on. I'm not going to listen to any of these people about my money advice. I'm going to go over here.
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Chapter 7: What unique financial tools does Ben use for wealth building?
So those are the assets that I go into because I'm like, look, I'm going to build my own bank using whole life insurance. It's dividend paying. High early cash value, institutional grade. I don't want something from Primerica or an inferior carrier. I want to pay less taxes, step one.
I want to become my own bank by building up a value and a cash value life policy or gold and silver, which I can talk about. And then I use that, I borrow against them. So I'm holding these assets that are going to continue going up in value. Every time they do, I increase my line of credit as they continue growing. Wow. And then I just keep repeating, oil, real estate, oil, real estate.
And so the amount of leverage is crazy. And it's not all of this, you know, is maybe something that somebody needs to like rewind and go back into. But again, I keep it simple. I work very, very, very hard. I'm busy all the time. I've got a quality of life. I, you know, other things outside of business that are important to me.
So it's just a matter of learning, having the proximity to the information, having the right mentors and having the opportunities to go into. And you get that policy set up. You get good CPAs that help you pay less taxes. These are all people I have. And then you start going into these investments completely passively. You don't have to own real estate. Like I, I own very little real estate.
I have a little bit, but I'm passive. I invest in funds that are like high rent growth areas that are red markets that are landlord friendly, where tenants have to pay their rent, you know, And I just pocket that cash flow. I do the same with oil. I'm not out there being like the land man like that show that is super popular right now.
I just invest alongside people I've identified that are the top industry experts that I've done business with for several years and know them, trust them, have seen their results. Brilliant. Just partnering with the right people. Yeah. And another one is like gold. Do you have gold or silver? I have gold. I don't have... Actually, I have one silver watch. That counts. Okay. Okay.
You can melt it down. Right. So, you know, if we look at gold and silver, it's really interesting. So, you know, when we had 1792, we had this act called the Coinage Act of 1792, and it basically set the gold to silver ratio at 15 to 1. which basically meant that for every 15 ounces of silver, that's equivalent to one ounce of gold. The prices are related, right?
If you go back to biblical times, you're literally talking 10 to 16 to one. If you go to Roman times, you're seeing that 10 to 12, 16 ounces of silver was equivalent to one ounce of gold. Like, I don't know what they're buying, like, hay or horses or spears or whatever during the Roman Empire, but that was the ratio. So for thousands of years, it's remained that.
And then in 1834, there's the Coinage Act of 1834. In the United States, we regulate the ratio at 16 to 1. And that stays in play all the way into about the 80s. And in the early 80s, we have a recession. And then this ratio starts separating. We see gold gradually go up, up, up, up, up and hit $3,300 an ounce, right? While silver, you know, silver has been as high as like $50 an ounce.
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Chapter 8: How does Ben leverage oil and real estate investments?
I have a very middle-class mindset, dad, amazing work ethic, phenomenal with work ethic, you know, and I learned a lot from him and mom kind of checked. I don't, neither of them know what I do. Right. I had to figure everything out myself. So I know what it's like to have nothing. I know what it's like to have to decide, are you buying dog food or are you feeding yourself this week?
And I've been in that situation multiple times. I know what it's like to have nobody in your corner, nobody believe in you, nobody know the thoughts in your head, all the entrepreneurs that have started from nothing and leveled up, they know what I'm talking about. So to say tax the rich more, I don't 100% believe in that as a blanket statement. They can afford to be taxed more, sure.
But are you the one that's employing hundreds of thousands of people? Are you the one that's creating those opportunities so you can live and have a good quality of life? So I think people need to look
a little bit more than i think about you know police officers and firefighters and and military and uh service workers and people that just slave their ass off you know 50 60 70 80 hours a week for low pay they should be able to keep as much as they can and have the actual means to invest smartly not with this average information I think it's a disease to get to 65 and go, now I can enjoy life.
I think if these people knew they could get exposed to better strategies to create wealth a little bit more efficiently at a little bit higher return in a way where they don't have to go back to school or make a job out of it, they'd go, holy shit, this is time. Money, energy, I can give back to my family. Yep.
Get to working on cars in my garage or riding dirt bikes or going hunting, whatever it is they want to do, you know? And we just don't do that. We distract people with the news and about bullshit that usually doesn't even exist.
Absolutely. I agree. Well, the compound is crazy because I know people listening to this will be like, well, 20% a year versus 10% a year is not a lot of money. Correct. But when you compound that, it ends up being millions of dollars over time, right?
It's huge. And I mean, you could take out a compound interest calculator, you know, like if I put, you know, $250,000 into a whole life policy and the cool thing is I can just contribute to it once or twice and just let it grow. And then all the profits just cycle back in. That thing compounds, you know, four or five X in return after only 15, 20 years. Damn.
but people might look at that and go ah doesn't excite me it doesn't excite me either it's how you can leverage it by going into assets that create you more of a return like we go back to what i said i'm making 10 on my policy before i do right so if you put a million there you're making 100k sure yes and and you could put in millions if you want to you can have multiple policies you know you don't just have to have one you can have policies on your kids you can all this stuff
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