Can You Have True Confidence in a Broken Retirement System?

Most people are following the same wealth-building advice they’ve heard for decades — work hard, save in your 401(k), and hope it’s enough for retirement. But what if everything you’ve been told is wrong? In this episode of GRASP Confidence, host Tara LaFon Gooch sits down with Bill Fairman — co-founder of Carolina Capital Management and Carolina Hard Money — to reveal why the retirement system is broken and how the path to real financial confidence begins with rethinking everything you know about wealth.

Bill’s expertise comes from over 30 years of helping accredited investors generate consistent passive income through real estate-backed lending — a strategy that bypasses Wall Street’s volatility and puts you in control. As a respected voice in the private lending industry, Bill serves on the Governmental Affairs Committee for the American Association of Private Lenders, where he’s written white papers for congressional members on pending legislation. His message is clear: “If your money isn’t working for you while you sleep, you’re doing it wrong.”

Imagine having a portfolio that pays you steady, predictable income without relying on a broken retirement model. Picture building wealth with confidence, knowing your investments are secured by tangible assets — not speculation. Bill reminds us, “Generational wealth isn’t just about being rich — it’s about creating a legacy that lasts.” In this conversation, you’ll learn how to identify trustworthy opportunities, avoid costly mistakes, and finally invest in a way that aligns with both your goals and your values.

If you’re ready to challenge outdated advice, protect your financial future, and build wealth you can truly have confidence in, this episode will change the way you think about retirement forever. Tune in now to learn how to create a financial legacy rooted in trust, strategy, and lasting impact.

Here are 4 powerful quotes from our interview:

• "Part of the big, beautiful bill that was just passed actually has some language in it about doing private equity within a 401(k) — this gives people an opportunity to invest like the ultra-wealthy do."

• "Our biggest problem with people not having confidence in doing their own investing is that we don’t teach financial literacy in high school — and rarely in college."

• "Now they teach doctors how to be great clinicians, but they don’t teach them squat about the business part of it — or the financial side."

• "Our retirement system is broken. They teach you to save through stocks and bonds, accumulate a certain amount, and hope you die before you run out of money. That’s not the way you should retire."

Connect with Bill & Support his work: https://billf360.com

🌴 Ready to take this work deeper? Tara’s upcoming Christian women’s retreat in Cabo (January 16-19, 2026) is a luxury, spirit-led experience designed to help you realign, recharge, and step boldly into your divine calling. Spots are filling quickly, learn more here!

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