In this episode of The Color of Money, we sit down with David Zapata to unpack the misunderstood world of life insurance—and the immense financial potential hiding in whole life policies. From losing his mother in Colombia to building a financial education company in the U.S., David Zapata has lived the kind of story that redefines how we think about money, legacy, and protection.

We explore the difference between term and permanent coverage, why savings (not income) is the real problem for most Americans, and how the wealthy use whole life insurance to build liquidity, fund opportunity, and leave a legacy.

David breaks down how whole life insurance offers guaranteed growth, liquidity, and borrowing power—making it a living asset rather than just a safety net. He shares real-life examples, frameworks for savings strategy, and why most Americans are thinking about life insurance all wrong.

Whether you’re a business owner, investor, or just someone looking to build a strong financial foundation, this episode offers a crash course in rethinking risk, wealth, and what it really means to protect your future.

Resources:

• Learn how to build Tough Money and about the Tough Money Effect
• Learn more about Factum Foundations
• Get in touch with David at factumfinancial.com
• Learn more at The Color of Money
• Become a real estate agent HERE

Connect with Our Hosts

Emerick Peace:

• Instagram: @theemerickpeace
• Facebook: facebook.com/emerickpeace

Daniel Dixon:

• Instagram: @dixonsoldit
• Facebook: facebook.com/realdanieldixon
• LinkedIn: linkedin.com/in/dixonsoldit
• YouTube: @dixongroupcompanies

Julia Lashay:

• Instagram: @iamjulialashay
• Facebook: facebook.com/growwithjulia
• LinkedIn: linkedin.com/in/julialashay/
• YouTube: @JuliaLashay

Bo Menkiti

• Instagram: @bomenkiti
• Facebook: facebook.com/obiora.menkiti
• LinkedIn: linkedin.com/in/bomenkiti/

Produced by NOVA

This podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

From Jamaica to Texas to Colorado, Natalie Davis has built a life—and a leadership legacy—by staying true to her purpose: pouring into others.

In this episode, we sit down with Natalie, the former President of the Colorado Association of Realtors, national speaker, business coach, and podcast host of Reignite Resilience, to unpack her remarkable journey. Natalie shares how her immigrant upbringing shaped her drive, how she entered real estate after avoiding it for years, and how leadership found her when she least expected it.

We hear how she navigated identity, belonging, and burnout—and what it really takes to run a brokerage versus being a successful solo agent. Natalie also opens up about her commitment to diversity, equity, inclusion, and belonging (DEIB), and what it’s like to teach these topics in rooms that aren't always welcoming.

This episode is rich with wisdom, warmth, and truth. Get ready to rethink leadership—not as a title, but as an act of service.

Resources:

• Learn more at The Color of Money
• Listen to Reignite Resilience
• Instagram: @lovejoyandnatalie
• LinkedIn: Natalie S. Davis​
• X: @RealtorNatalieD​
• Become a real estate agent HERE

Connect with Our Hosts

Emerick Peace:

• Instagram: @theemerickpeace
• Facebook: facebook.com/emerickpeace

Daniel Dixon:

• Instagram: @dixonsoldit
• Facebook: facebook.com/realdanieldixon
• LinkedIn: linkedin.com/in/dixonsoldit
• YouTube: @dixongroupcompanies

Julia Lashay:

• Instagram: @iamjulialashay
• Facebook: facebook.com/growwithjulia
• LinkedIn: linkedin.com/in/julialashay/
• YouTube: @JuliaLashay

Bo Menkiti

• Instagram: @bomenkiti
• Facebook: facebook.com/obiora.menkiti
• LinkedIn: linkedin.com/in/bomenkiti/

Produced by NOVA

This podcast is for general informational purposes only. The guest's views, thoughts, and opinions represent those of the guest and not KWRI and its affiliates and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

Recorded live at the 2025 KW Family Reunion during the KWBREN Fest, this episode dives into the real power of real estate—building generational wealth. While commissions provide income, true financial freedom comes from ownership and control of assets. Shifting from a short-term mindset to a long-term strategy is essential for breaking systemic barriers and creating lasting wealth.

The conversation highlights personal journeys of overcoming financial setbacks, scaling businesses, and navigating an industry with few Black owners. From bouncing back after bankruptcy to flipping million-dollar homes and investing in rental properties, these stories emphasize persistence, strategy, and the importance of community. Ownership isn’t just about personal success—it’s about creating opportunities for future generations.

Wealth-building is a combination of vision, mentorship, and smart financial moves. Surrounding yourself with the right people, diversifying income streams, and employing tax strategies can turn short-term wins into long-term security. This episode offers an inspiring look at what’s possible when real estate is used as a tool not just to earn, but to build a lasting legacy.

Resources:

• Learn more at The Color of Money
• Become a real estate agent HERE

Connect with Our Hosts

Emerick Peace:

• Instagram: @theemerickpeace
• Facebook: facebook.com/emerickpeace

Daniel Dixon:

• Instagram: @dixonsoldit
• Facebook: facebook.com/realdanieldixon
• LinkedIn: linkedin.com/in/dixonsoldit
• YouTube: @dixongroupcompanies

Julia Lashay:

• Instagram: @iamjulialashay
• Facebook: facebook.com/growwithjulia
• LinkedIn: linkedin.com/in/julialashay/
• YouTube: @JuliaLashay

Bo Menkiti

• Instagram: @bomenkiti
• Facebook: facebook.com/obiora.menkiti
• LinkedIn: linkedin.com/in/bomenkiti/

Produced by NOVA

This podcast is for general informational purposes only. The guest's views, thoughts, and opinions represent those of the guest and not KWRI and its affiliates and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.