# The Passive Income Lab | Wealth Without Wall Street > The Passive Income Lab from Wealth Without Wall Street is a 12-week, small-cohort investing program. Build your Investor DNA and Buy Box, then deploy $25K+ into cash-flowing assets with a coach. Wealth Without Wall Street (WWWS), founded by Russ Morgan and Joey Mure in Birmingham, Alabama, teaches high-income professionals, business owners and investors how to build passive income greater than their monthly expenses using the Infinite Banking Concept (IBC), dividend-paying whole life insurance as a private banking system, and cash-flowing alternative investments such as real estate, land and private businesses. Russ and Joey were mentored by R. Nelson Nash, author of Becoming Your Own Banker, host the Wealth Without Wall Street podcast (1.6M+ downloads), hold 40+ whole life policies between them, and earn over $50,000 a month in passive income. 1,000+ investors have gone through their programs. ## Programs - [Free Passive Income & Infinite Banking Masterclass](https://masterclass.wealthwithoutwallstreet.com/): Free 60-minute live workshop every Tuesday at 7pm ET on infinite banking, whole life insurance as a personal banking system, and the Blue Box Strategy. - [Infinite Banking & Passive Income Game Plan Session](https://apply.wealthwithoutwallstreet.com/): Apply for a free 60-minute session with a strategic financial coach to map your Freedom Number and the Passive Income Operating System. - [The Passive Income Lab](https://lab.wealthwithoutwallstreet.com/): 12-week, small-cohort passive income investing program: Investor DNA, Buy Box, and coached deployment of capital into cash-flowing alternative investments. - [Book a Passive Income Lab Game Plan Session](https://book1.wealthwithoutwallstreet.com/): Free 45-minute session for investors with $25,000+ to deploy: Freedom Number, gap, and a 12–24 month plan. ## Key questions answered ### What does it cost? Is the Game Plan session really free? Yes, the session is 100% free. In 45 minutes we work out your Freedom Number and your gap, and map a 12–24 month plan to close it. You keep that plan whether you join or not. If the Lab looks like a fit, we'll walk you through tuition on the call. It's a one-time fee with a payment plan option and no hidden or annual fees. ### How do I know this is legit? Good question. We teach you to vet us the same way you'd vet any deal. Russ and Joey have spent 15+ years building and using this system, the podcast has 1.6M+ downloads, and 1,000+ investors have gone through it. Lab director Ben Buzek served 25 years in Army Special Operations and started out as a client. Bring your toughest questions to the free session. ### I'm already busy. How much time does this take? About 3 hours a week. That's one live hour with your cohort plus self-paced work and your 1-on-1s. Every live session is recorded, so a missed week won't set you back. You'll be investing alongside operators who already run the business, not starting a second job. ### How much money do I need to get started? Plan on $25,000+ you could deploy within the next 12 months. You don't need it on day one. The first 8 weeks cover your Investor DNA and your Buy Box, and most members don't put capital to work until weeks 9–12. Many fund deals from savings, a 401(k) or whole life cash value, and we'll map which source fits you on your free session. ### Is now the right time, or should I wait until things settle down? Waiting is the most expensive choice, because every month without a plan is another month your money sits idle. The good news is you don't have to commit capital to get started. The first 8 weeks focus on who you are as an investor and what fits you, and most members don't put money into a deal until weeks 9–12. New cohorts start about twice a month, so you can choose a start date that works for you. The free Game Plan session will show you exactly where you stand today. ## More resources - [Wealth Without Wall Street](https://www.wealthwithoutwallstreet.com/): Main site, blog and podcast. - [What is infinite banking?](https://www.wealthwithoutwallstreet.com/infinite-banking): Infinite banking explained. - [Passive income](https://www.wealthwithoutwallstreet.com/passive-income): How Wealth Without Wall Street approaches passive income. - [The Blue Box Strategy](https://www.wealthwithoutwallstreet.com/blog/blue-box-strategy): The Blue Box Strategy explained. - [Is infinite banking a scam?](https://www.wealthwithoutwallstreet.com/blog/is-infinite-banking-a-scam): An honest look at the pros, cons and risks. - [FAQ](https://www.wealthwithoutwallstreet.com/faq): Frequently asked questions about Wealth Without Wall Street. - [The Wealth Without Wall Street Podcast](https://podcasts.apple.com/us/podcast/the-wealth-without-wall-street-podcast/id1282660297): 1.6M+ downloads. ## Contact Wealth Without Wall Street Media, LLC, 120 19th St N, Suite 2050, Birmingham, AL 35203, United States. Phone 205-236-0075. ## Disclaimer Educational content only, not financial, legal or tax advice. Wealth Without Wall Street is not a registered investment advisor. Results vary and are not guaranteed. Whole life insurance policy loans accrue interest, and unpaid loans reduce the death benefit.