ATTENTION:  Business Owners Who Are Done Playing By The Bottom 99%'s Rules

How Business Owners Build Wealth Like The 1% In Years, Not Decades

Hope Is Not A Strategy. Here's Exactly How To Turn Profits Into Passive Income.

Taylor Hutchinson
“Scott analyzed my existing whole life policy and swapped it for a properly designed one — which will put $2 million more in my pocket over the next 30 years. Now I'm set up for life. My wife and I just built our dream home… and all while keeping our old house for rental income.”
Taylor Hutchinson
Sandusky, MI
Alec Liberman
“Scott helped me exit my short-term rental with perfect market timing and take advantage of some tax loopholes. We mega-funded my private bank and I've set up indestructible wealth for my family. My wife is an attorney — but we were able to retire her so she can raise our two little girls.”
Alec Liberman
Portsmouth, NH

The Problem

The Advice You Were Given Was Built For The Bottom 99%.

The common advice — the advice built for the bottom 99% — is to never buy a Starbucks, never spend a dollar, and sock it all away in 401(k)s and IRAs where you can't touch it until you're 65…

And hopefully you won't run out of money before you die.

That's great advice if you want to stay in the middle class.

But if you want to join the 1%…

By definition — you have to do things differently.

A lot of you already know this.

But you probably don't have a plan to make it happen.

You're probably keeping WAY too much money parked in savings accounts, letting taxes and inflation eat it away year after year.

In today's economy, savers are losers. The $100,000 sitting in your savings account will only be worth about $80,000 in a few years.

The wealthiest 1% do something different — something that lets their money:

  • Grow at a much higher rate of return
  • Never be taxed by the IRS, when properly structured (the biggest theft of wealth known to mankind)
  • Stay 100% liquid — so they can put it to work growing their business, buying cash-flowing real estate, or turning a recession into the investment opportunity of a lifetime

If you want to build wealth like the 1% in years, not decades —

The 1% Playbook is for you.

You'll learn how to apply their exact methods:

  • Store your wealth in your own Private Bank
  • Use the same dollars to invest in cash-flowing assets
  • Use your additional cash flow to accelerate your net worth

All while protecting yourself from taxes, creditors, and lawsuits.

Want To See What This Looks Like With Your Numbers?

Run the calculator below. Sixty seconds, two sliders, and you'll see exactly what your Private Bank could be worth.

Show Me The NumbersFree calculator · no email required to use it

This Isn't Theory

I Started With Three Foreclosures And Destroyed Credit.

The 1% Playbook is not theory.

And while it's what the Rockefeller family, Walt Disney, and Ray Kroc used to build massive businesses and massive wealth —

it's not something you have to already be wealthy to do.

In fact, this is something I've done myself.

And I started off with three foreclosures, massive debt, destroyed credit, and no money.

But once I got my feet back underneath me, I got serious about financial freedom and vowed I would never be in a position to worry about money again.

I ran The 1% Playbook with the excess cash from my personal training studios. For the next several years I funded my Private Bank — and used the same dollars to invest in real estate.

Six years later, those assets were producing:

$109,428Per Year In Passive Cash Flow
$347,256Added To Net Worth Per Year
The Velocity Of Money — Scott Carpenter's private banking and real estate assets, cash flow and net worth by source
My actual assets today — two private banking policies and six properties, working the same dollars twice

And fast forward to when I'm 65, those same assets are projected to generate:

$892,944Per Year In Passive Cash Flow
$15,200,360In Total Asset Value
Let Time Do The Work — projected cash flow and equity at age 65 from Scott Carpenter's private banking policies and real estate
Same assets. Same dollars. Thirty years of letting time do the work.
Even if you did one quarter of what I did — which means setting aside $2,083 a month to fund your Private Bank — you'd be at nearly $4,000,000.

That's not that hard to do. Especially once you learn how the 1% play the tax game and stop overpaying the IRS.

And I Will Never Outlive My Money.

Here's the part almost nobody plans for: what happens if you live a long time.

This is what my first Private Banking policy — just one of the two — is projected to be worth at age 90. Not the real estate. Not the second policy. Just the first one.

Scott Carpenter's first private banking policy at age 90 — $11,901,226 in cash value generating $519,978 per year in tax-free income
My first Private Banking policy at age 90 — one policy, not the whole portfolio

I don't have to hope the market cooperates the year I turn 72. I don't have to sell anything at a loss to eat. I never have to worry about outliving my assets.

Who I Am — And Who I'm Not.

Scott Carpenter

I'm not a wealth advisor. I'm never going to ask you to hand me your money so I can go invest it for you.

I'm going to teach you to do it yourself — so you stop handing it to Wall Street and the financial vampires quietly sucking you dry with fees you will never once see on a statement.

I teach The 1% Method, and I'm a licensed life insurance agent. But I didn't get into this to sell policies.

I make my money the way I always have — through the businesses I own. I built personal training studios, and I coach other gym owners on how to actually turn a profit.

Here's how this whole thing started.

The people I was coaching started throwing off real cash flow, and had no idea what to do with it. So I started teaching them. And every single time one of them came back with a private banking policy they'd bought somewhere else, it was garbage. Bloated with fees. Stuffed with commission. Built to pay the agent, not to build the client.

I got tired of watching it happen. They asked if I'd just do it for them. So I looked into what that would take, got licensed a few years ago, and started building these the way they're supposed to be built.

Now I teach it because I think everybody deserves indestructible wealth — the kind where you get to a point and never have to worry about money again.

That's the mission. That's the whole thing.

Scott Carpenter speaking on stage
Teaching The 1% Playbook from the stage — 2026 Growth Summit, Scottsdale, Arizona

So What Is It?

Private Banking — The 1%'s Way To Protect, Save, And Grow Money.

Private Banking is how the 1% protect, save, and grow their money — and when it's properly structured, you'll pay no taxes on hundreds of thousands (or millions) of dollars of gains.

What is it exactly? The vehicle is a specially designed whole life policy, arranged so the policy itself is as small as legally possible — and then you stuff it full of cash.

That structure is what creates the legal loophole: all your gains grow tax-free and your money stays completely liquid.

You may have heard of it referred to as the Infinite Banking Concept, Becoming Your Own Banker, Bank On Yourself, or the Private Reserve Strategy. It's the same concept with different names.

You act as the bank to yourself. You loan the money to yourself — while your entire policy keeps growing as if you never touched it.

Create Your Private Bank — income flows in, money flows out into businesses and assets, income flows back
Create Your Private Bank — the same dollars, working more than once

Let's Address The Elephant

“Wait — Isn't Whole Life Insurance A Rip-Off?”

Now hold on.

If you just heard “whole life insurance” and felt your stomach drop — I get it.

Dave Ramsey built a career telling people whole life is garbage.

And here's what he's not wrong about: most whole life policies are garbage. Loaded with fees. Slow to build cash value. Designed to make the agent rich, not you.

I build and design your policy to do the opposite — max out the cash value and turn it into a massive, liquid cash asset that functions as your Private Bank.

Dave's advice on living within your means and staying out of consumer debt is great advice. But his investing advice was built for the bottom 99%. It was never meant for business owners.

Scott Carpenter speaking at a summit
Different game. Different rules.
If you want to break into the top 1%, you need to run The Playbook.

Still Skeptical? Good. Bring It To The Call.

I'd rather answer your hardest question than sell you something you don't understand. The 1% Blueprint Call is free, and you keep the Blueprint either way.

Book My Free 1% Playbook Blueprint Call45 minutes · No pitch deck · No obligation

Here's How You Get Started

Three Steps. Start Wherever You Want.

1

Grab The Book And Learn How The 1% Play The Game.

Earners are learners.

The 1% Playbook by Scott Carpenter

Get Notified When The Book Drops

Be first in line. I'll send you the launch date — and I'll send you the audiobook for free.
2

See What Your Private Bank Could Be Worth.

Fund it hard for 7 years. Then let it run. Move the sliders.

The Private Bank Calculator
Two sliders. Real numbers. No email required.
Monthly Contribution — First 7 Years $2,083
Optional: you can keep going at $1,657/mo from year 8 on. You can also stop funding after year 7 — the policy keeps running and keeps growing either way. The numbers above assume you keep funding it, and every dollar is counted in “Total You Put In.”
Show Me The Value At Year… 30AGE 70
$0
Total You Put In
$0
Your Tax‑Free Cash Value
$0
How Much $ This Represents If It Were Taxable Pre‑tax dollars needed to net the middle bar in a 401(k) or Traditional IRA at a 32% tax bracket
Typed verbatim off a real carrier illustration — male, age 40, preferred plus non‑tobacco — then scaled to the premium you set. Cash values reflect dividends at the carrier's current scale; dividends are not guaranteed and actual results may be higher or lower.
Want your own numbers? Fill out the form below and I'll build you a real illustration.

Want The Real Numbers For You?

Give me your age and what you can set aside, and I'll email you an actual carrier illustration built on your situation — not a calculator estimate.
Connected to GoHighLevel. The hidden calculator_snapshot field rides along, so each lead arrives with their own numbers attached.
3

Book A 1% Blueprint Call With Me.

It's free. And I'll build your 1% Blueprint whether or not you ever start a Private Bank.

Booking Calendar
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Open The Booking Calendar

Let's Be Straight About Money

You Don't Pay Me A Dime To Set Up Your Private Bank.

I get compensated by the company I use to establish your policy — similar to a mortgage broker. And I design yours so that I get paid the least I legally can.

That's exactly why they work so well for building wealth.

I started with three foreclosures and no money. Nobody handed me this. If you run The Playbook, it'll work the same way for you that it worked for me — slowly, and then all at once.

Scott Carpenter
The 1% Playbook Author · Serving All 50 States
Scott Carpenter speaking at a summit

Questions You're Probably Asking

FAQs

If this is so great, how have I never heard of it before?
Follow the money. Just like Big Pharma controls the marketing and education that doctors and patients get, Wall Street controls the marketing and education that wealth advisors — and people like you — get. If you want to end up just like everyone else, do what they tell you. If you want to be in the 1%, do what the 1% does.
Do you have to be rich or make tons of money to start?
Absolutely not. Time is the biggest factor in building wealth. The sooner you get started the better — and there's a starting point for everyone.
How much do I need to get started?
If you only have a few hundred bucks a month to earmark for savings and investing, you'll be fine. You'll grow slower and it'll take longer — but you'll get there.
Is this a get-rich-quick thing?
Anything selling you a get-rich-quick scheme is a scam. The 1% Playbook is a make-damn-sure-you-get-rich-in-the-long-run play.
What are the downsides of Private Banking?
You need to be disciplined enough to keep funding it for at least five years for it to work efficiently — unless you fund it in full up front with something called a Premium Deposit Fund. And since the vehicle is a whole life policy, some people with severe health conditions may not be eligible.
Can I set up a Private Banking policy myself and save the money?
Unfortunately, no. You have to set one up through a licensed life insurance producer who knows what the hell they're doing and how to structure it properly through the specific carriers that allow it. Thankfully, that's me. Book a 1% Blueprint Call and I'll build you a policy illustration specific to you.

Last Thing

The 1% Aren't Smarter Than You.
They Just Have A Different Playbook.

Every year you leave your money parked where the bottom 99% keeps theirs is a year you don't get back. Pick a step. Any step. Just take one.

Or get on the book launch list and start with the cheapest education you'll ever buy.

The 1% Playbook — © 2026 All Rights Reserved · 6793 W Roberta Ln, Peoria, AZ 85383

DISCLOSURE: Scott Carpenter provides wealth education, strategy, and coaching. He is not a Registered Investment Advisor and not a licensed tax advisor, and nothing on this page is investment, tax, or legal advice. Scott is a licensed life insurance agent. Any policy discussion is general education; a specific recommendation can only be made after a personal review, and actual policy values are determined solely by the issuing carrier's illustration and contract. Guarantees are backed by the claims-paying ability of the issuing insurance company.

EARNINGS DISCLAIMER: Results described on this page are Scott's own or those of specific clients who consented to share them, and are not typical. Testimonials reflect one person's experience and are not a promise or guarantee of the results any other person will obtain. We don't believe in get-rich-quick programs — only in hard work, adding value, and building real assets over time. Your results will depend on your own effort, timing, health, tax situation, and market conditions.

CALCULATOR DISCLAIMER: The Private Bank Calculator reads values directly from a single real whole life illustration (male, age 40, preferred plus non-tobacco; $100,000 annual premium for 7 years, then an optional $19,883 annually) and scales them in proportion to the premium selected. It performs no projection or forecast of its own. Values shown as cash value are non-guaranteed values based on the carrier's current dividend scale; dividends are not guaranteed and actual results may be more or less favorable. Guaranteed figures assume no dividends are paid. The taxable comparison shows the pre-tax amount that would be required to net the same after-tax value at a flat 32% federal rate, as a 401(k) or Traditional IRA distribution is taxed as ordinary income; it ignores state tax, capital-gains treatment, employer match, and required minimum distributions, and is a simplified illustration rather than tax advice. It is an educational tool, not a policy illustration and not a guarantee. Non-guaranteed values are not guaranteed and are subject to change by the issuing carrier. Request a personalized illustration for your own numbers.