The Rudy Audit: How to Turn a $9,500 Ticket into a Debt-Free Legacy

The phone won't stop ringing.

Rudy's database is lighting up, doctors, HVAC techs, landscapers, small business owners, nurses, electricians, barbers, stylists. They're all asking the same question: "How do people afford $8,000 Super Bowl tickets… and next year they're supposed to hit $9,500?"

Most aren't asking because they want one. They're asking because they're wondering what they're missing, or worse, what they're doing wrong.

Here's the truth: You're not doing anything wrong. You're just playing the wrong game.

The "Average Joe Tax" isn't just the ticket price. It's the cost of never having a system, so every financial decision feels like a gamble instead of a mission.

That's where the Rudy Audit comes in.

This isn't a sales pitch. It's a tactical playbook for families who are tired of spinning their wheels and ready to build real financial momentum. If you've ever felt like your money disappears faster than you can make it, this is your mission brief.

Let's walk through the five phases.

Phase 1: Secure the Perimeter (The 3–6 Month Reserve)

In the military, you don't advance without securing your position first. Same goes for money.

If you don't have 3 to 6 months of living expenses sitting in a safe, accessible account, that's Priority One.

Rudy starts every audit the same way: "Show me your checking account, your savings, and your monthly expenses."

Most people are shocked when they realize they're one busted transmission away from a credit card spiral. That's not weakness, it's just a gap in the plan.

Here's how we find the money to fill it:

• Track your budget for 30 days. (Not forever, just 30 days. You'll spot the leaks fast.)

• Cut the subscriptions you forgot existed. Streaming services, gym memberships you haven't used in six months, app renewals, they add up to $200–$400/month for most families.

• Redirect the "convenience tax." DoorDash four times a week? Coffee runs every morning? That's another $300–$500/month right there.

The goal isn't to live like a monk. It's to redirect wasted cashflow into a buffer that protects your family.

Once you've got that reserve built, you stop living paycheck-to-paycheck. That alone changes the game.

Phase 2: The Shield (Maximum Protection)

Once the perimeter is secure, we build the shield.

If something happened to you tomorrow, would your family be okay?

Most people avoid that question. Rudy doesn't let you.

Here's the minimum protection standard we use in the Rudy Audit:

• Coverage for all debt: Mortgage, car notes, student loans, credit cards, everything gets wiped clean.

• 10x to 20x your annual income to replace what you would have earned over the next decade (or two).

• College funding or business transition costs if you've got kids or a company that depends on you.

The tool? Term life insurance. It's affordable, straightforward, and it does exactly what it's supposed to do: protect your people if you can't.

A 35-year-old making $80,000/year can typically get $1 million in coverage for around $50–$80/month. That's less than most people spend on their phone bill.

You don't skip this step. Period.

Phase 3: Expand the Territory (Grow Your Income)

Once you've got stability and protection locked in, it's time to go on offense.

The fastest way to financial freedom isn't just cutting expenses, it's increasing income.

Rudy's clients come from every walk of life, and most of them have skills they're underutilizing. The HVAC tech who could start his own shop. The nurse who could consult on the side. The barber who's been thinking about opening a second chair.

This is where we connect people to resources like the Christian Entrepreneur Club, a community designed to help faith-driven business owners scale what they already know how to do.

The strategy is simple:

• Identify your highest-value skill.

• Find one way to monetize it outside your W-2.

• Reinvest the profit into debt elimination or wealth-building.

You don't need a million-dollar idea. You need a system that turns your sweat equity into cashflow momentum.

Phase 4: The 401k Pivot (Capture the Match, Redirect the Rest)

Here's where most people get tripped up.

They're told to "max out your 401k" like it's the only path to retirement. But if you're sitting on $40,000 in credit card debt and contributing 15% to a 401k you can't touch for 30 years, you're bleeding interest while your money sits locked up.

The Rudy Audit fixes that.

Step 1: Capture the company match. If your employer matches up to 6%, contribute exactly 6%. That's free money, don't leave it on the table.

Step 2: Redirect everything above the match. If you've been contributing 12% or 15%, drop it to the match level and funnel the difference into one of two places:

• Debt roll-up strategy: Use it to accelerate payments on high-interest debt (credit cards, personal loans, car notes).

• Infinite Banking strategy: Overfund a whole life insurance policy designed to function as your own personal bank.

This isn't about abandoning retirement savings. It's about controlling your money now instead of locking it away for decades.

Phase 5: The Infinite Banking Engine (Run Your Debt Through Your Policy)

This is where the Rudy Audit gets tactical.

Infinite Banking is a strategy where you overfund a specially designed whole life insurance policy. The policy builds cash value, and that cash value grows at a guaranteed rate (typically around 5.125%).

Here's the play:

1. You overfund the policy enough to cover your monthly debt service obligations.

2. You borrow from the policy to pay those debts on time.

3. The borrowed money still earns the guaranteed interest rate inside the policy.

4. You pay yourself back instead of paying the bank.

Over time, your policy balance grows faster than your mortgage balance shrinks. In less than 10 years, you'll have enough accumulated cash value to borrow from yourself and completely pay off your mortgage.

Now you're paying yourself back, and earning interest on your own money.

That's not a loophole. That's stewardship.

The Touchdown: Mortgage-Free in Under 10 Years

Let's say you follow the Rudy Audit step-by-step.

• You've got your 3–6 month reserve.

• You've got maximum protection through term life.

• You've optimized your 401k and redirected cashflow.

• You've overfunded a whole life policy and started running debt through it.

By Year 9 or 10, you're mortgage-free.

Not because you made six figures. Not because you won the lottery. Because you built a system and followed the plan.

Now your largest monthly expense is gone. That cashflow can go toward wealth-building, giving, investing, or, yes: enjoying life without the guilt.

The Ultimate Flex: A Tax-Deductible Super Bowl

Here's where it all comes together.

By next year, your whole life policy has enough cash value that you can borrow from yourself to buy those $9,500 Super Bowl tickets.

But here's the kicker: if you use the game to network with potential clients, partners, or high-level contacts, that ticket becomes a legitimate business expense.

You're not just attending the Super Bowl. You're conducting business in a world-class environment: and the IRS recognizes it.

That's the difference between hype and strategy.

One is a flex. The other is a legacy play disguised as a flex.

Your Move

The Rudy Audit isn't magic. It's discipline, structure, and a willingness to play the long game.

Whether you're an HVAC tech, a doctor, a landscaper, or a small business owner, the principles are the same:

• Secure your position.

• Protect your family.

• Expand your income.

• Control your cashflow.

• Build momentum that compounds.

If you want the full breakdown, the tools, and the next step, start here: www.mybusinessisyourbusiness.info

Or if you're ready to build your personal game plan, DM "FLYWHEEL" and we'll walk you through it.

The $9,500 ticket isn't the goal. Freedom is.

Let's build it.