Founder of Prosperity Thinkers, LLC, Kim Butler has shunned common financial products such as stocks, bonds, savings accounts and CDs in favor of creative life insurance strategies outside of the typical financial planning “box.”

This money philosophy comes from the Prosperity Economics Movement, a non-profit organization co-founded by Butler, along with her husband, Todd Langford (a financial software developer who is always checking the math). The Prosperity Economics mission is to educate the public about “Wealth Without Wall Street.”

“People are looking for alternatives to a financial industry that they feel no longer serves them,” says Kim.

“For decades, investment representatives have been financially rewarded for convincing clients to keep their money at risk. We’re programmed to tolerate volatility and believe that risk and reward are inseparable. We’ve limited our investment options, and we’ve forgotten rule #1: Never lose money!”