George Antone's Wealth-Building System
29 courses, 201 lessons, ~187 videos, 15 toolkit calculators, and the IRIS/Freedom Engine framework — organized for human review.
Income Amplifier / IRIS
Build your war chest. Capital cycling through credit facilities, earning the spread between yield and borrowing cost. Year 1-2 focus.
Freedom Engine / PLEX + Flow
Deploy into the PLEX portfolio framework. Three tiers — Bedrock, Cash Flow, Hedge — engineered for stability-first yield with margin safety.
The Complete System
How PLEX and Flow work together: DTA curve, optimal sequencing, Money Date protocol, contribution rules. Source: Matt McFarlane / Foundation Financial.
79% Lesson / 86% Course
Is truth complete? Per-course coverage table with video, transcript, RAS, and indexing status. Honest gap list included.
Every Fynanc strategy maps to one or both sides: the Capital Side (how money moves, velocity, Flow strategy) and the Asset Side (what you hold, structure, yield targets, PLEX).
Pillar 1: Maximum Contribution — every dollar working
Pillar 2: Liquidity Buffer — foundation against uncertainty
Pillar 3: Dynamic Flow — money-in-motion optimization (MSA strategy)
Pillar 4: Leverage Management — healthy DTA, DSCR, utilization
Pillar 5: Booster Strategies — acceleration opportunities
IRIS is the framework for evaluating funding lines. Each funding line is scored across four dimensions:
I — Income: Cash flow yield and spread generation
R — Risk: DTA, DSCR, margin health, collateral protection
I — Insurance: Super Vault (whole life) integration, death benefit, cash value
S — Savings: Reserve buffers, liquidity, emergency backstop
Every funding line decision should score well across all four dimensions. The framework ensures no single dimension is optimized at the expense of others.
| Course | Lessons | Tier | Phase |
|---|---|---|---|
| Epic Wealth 6-Week Quick Start | 63 | T1 | Foundation |
| Power of Your Bank (Family Bank) | 19 | T1 | Foundation |
| Community CIS Calls | 17 | T1 | Community |
| Community Calls PLEX Only | 14 | T1 | PLEX |
| Family Bankers Brain Trust | 13 | T1 | Foundation |
| Journey to Financial Freedom (Bonus) | 12 | T1 | Foundation |
| Booster Strategies | 10 | T1 | Grow Capital |
| Setup & Launch Family Bank | 10 | T2 | Foundation |
| Wealth Boosting Loans | 8 | T2 | Grow Capital |
| Start Here (Program Overview) | 6 | T2 | Foundation |
| Capital Amplifier Overview | 5 | T2 | Grow Capital |
| Accelerators Advanced | 4 | T2 | Advanced |
| Income Amplifier Project area (Book) | 3 | T2 | Grow Capital |
| Transformative Conversations | 3 | T2 | Mindset |
| Your Wealth Journey | 1 | T3 | Foundation |
| Year 1 Journey: Grow Capital (Review) | 1 | T3 | Review |
| Year 2 Journey: Grow Capital Coaching | 1 | T3 | Coaching |
| Year 2 Journey: Grow Capital (Review) | 1 | T3 | Review |
| Year 1 Journey: Invest Capital | 1 | T3 | PLEX |
| Income Sources | 1 | T3 | Grow Capital |
| Income Sources Intermediate | 1 | T3 | Grow Capital |
| Income Sources Advanced | 1 | T3 | Grow Capital |
| Leverage Management | 1 | T3 | Grow Capital |
| Leverage Management Strategies | 1 | T3 | Grow Capital |
| PLEX | 1 | T3 | PLEX |
| Freedom Portfolio | 1 | T3 | PLEX |
| Cash Value Maximizer | 1 | T3 | Super Vault |
| Safety Buffer | 1 | T3 | Risk |
| Your Fynanc Guide | 1 | T3 | Foundation |
T1 = 10+ lessons | T2 = 3-9 lessons | T3 = 1-2 lessons. Total: 29 courses / 201 lessons.
14 tools on toolbox.fynanc.com + Capital Flip Analyzer (separate, from Foundation Financial). All 15 documented and indexed.
DTA (Debt-to-Asset Ratio) = Total Debt / Total Assets × 100. Guardrail: 35%. NOT the same as Utilization.
Max Margin Utilization = Margin Balance / Total Margin Available. Always derive DTA from utilization, portfolio value, and required equity. Never use utilization directly as DTA.
DSCR (Debt Service Coverage Ratio) = Net Operating Income / Total Debt Service. Above 1.0 means income covers debt.
Spread = Cap Rate - Loan Constant. Positive = income exceeds cost of debt.
LTV (Loan-to-Value) = Loan / Asset Value. Higher LTV = higher leverage = higher return but lower DSCR.
IMR (Required Equity / Portfolio): Target 28-32%.
Max Utilization Settings: 60% strong market / 50% caution / 40% defensive.
PLEX — Passive Leverage Exchange. Core strategy for building passive income through leveraged assets.
Flow — Capital side strategy. How money moves, velocity, MSA strategy. Bills flow through margin, come back via dividends.
Super Vault — Whole life insurance policy used as a financial tool (cash value lending, tax advantages).
Income Amplifier — Year 1 strategy: cycle money between HELOC/LOC and savings/investment for interest arbitrage (flips).
Freedom Engine — Unified replacement for separate IRIS + PLEX. One account: Flow + PLEX + Capital Amplifier combined.
ARC Loop — Advanced framework (post-Vegas 2026). Three power dials, scoring method for capital structure, stress testing.
Capital Amplifier — The operating system of wealth. 6 components: Capital, Asset, Income, Flow, Amplifier, Leverage.
Dynamic Flipping — Year 3 technique for increasing flip amounts.
Money Date — Monthly recalibration protocol: pull M1 numbers, run Margin Health, borrow/buy, run Expense Sweet Spot, set Flow expense.
Velocity Asset — Asset designed for rapid capital recycling and income generation.
Funding Line — Line of credit used for PLEX strategy execution.
Cash Accounts (3 purposes):
1. Inbound/Contribution+Paycheck (x8684) — stacking yields, velocity
2. Sweep (x6903) — routing hub
3. Outbound/Bills — expenses flow out
Investment Account: One account: Freedom Engine (replaces IRIS + PLEX separate)
LOC: HW PLOC x1791 ($16K, 11.75%, 36-month term). Paid to $0 as of April 2026 migration.
M1 Finance Portfolio: 18 positions (BDC/CEF core + Senior Loan buffer). Target ~7% yield.
Monthly contribution: $3,000 (now routed to Freedom Engine, not LOC)
| # | Date | Amount | Notes |
|---|---|---|---|
| 1 | Oct 8, 2024 | $16,000 | 1st flip — HW LOC x1791 |
| 2 | Jan 22, 2025 | $16,000 | Temporary booster on paper |
| 3 | Apr 25, 2025 | $16,000 | To M1/Epic Amplifier |
| 4 | Sep 25, 2025 | $16,000 | To M1/Epic Amplifier |
| 5 | Dec 25, 2025 | $16,000 | To M1/Epic Amplifier |
| 6 | Feb 2, 2026 | $16,000 | 75% IA + 25% Capital Amplifier |
Total flipped: $96,000. Cash flow per flip stream: ~$502-505/month. Flip split: 40% DTW (debt paydown) / 60% Income Amplifier. Coach: Jean Hanham.
746 Fynanc entries in knowledge-index
~160 unique RAS files (22 course-level + ~138 per-video)
144/187 videos with MP4 downloaded (77%)
~140/187 videos with transcript + RAS (75%)
96/~120 PDFs captured (80%)
25/29 courses with at least one RAS file (86%)
~158/201 lessons with any RAS (79%)