Hello, everybody. My name is Gino Barbra, host of the 100-year real estate investor show,

the show dedicated to personal financial engineering. Today's guest, we want to welcome back

Kristen Kolka. She's a 100-year team member who specializes in the dual-ats

strategy and helping her clients maximize the value of their dollar. Today, she's here to discuss

leveraging whole life policies to pay for college and tell the story of how she uses this

very concept with her own daughter, Noel. Welcome back, Kristen. How are you? Hi, Gino. I'm doing great. Thanks for having me back

on. Listen, let's jump right in because this is such a misunderstood topic. And I'm glad you're

sharing this personal story. Wow. I remember those days, Kristen. You remember those days?

Those were wonderful days, aren't they? Yes. Yes, they were. Yep, that's a picture of me with my baby girl almost 21 years ago.

It's crazy to think about. Did you think when she was born, I'm going to use whole life to save for her

college? Most of us out there, myself included, I was really overwhelmed, Chris, and I'll share a

quick story for myself. I kept having children. You know, I have six kids. And the first thing that everyone would always say

to me is, hey, how are you going to pay for college and how are you going to save for retirement

and how are you going to save for all these weddings? And I really didn't have a great answer for it. I said, I'm going to use a 401k. I'm going to use 529s,

and hopefully that'll that'll pay off. And fortunately, I used none of those vehicles. I actually

started using them, but then I actually pivoted it out, went into whole life. And, you know,

for the most part, starting by a whole real estate and using multifamily to, you know,

really save to buy those assets.

And those assets are now paying for the events.

One child is already through college.

The second one is a junior in college.

And I think that's the whole idea.

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