In a small southeastern Massachusetts city in 1976. It was in this city that a remarkable story of resilience and inspiration unfolded, a tale that would leave an indelible mark on young Ben's heart and shape his future.

At the heart of this story was Ben's mother, a remarkable woman who had been a successful small business owner for 25 years. She operated a foster home for 17 veterans, offering them a haven of care and support, having known the difficulties of life herself. For Ben's father had suffered the relentless grip of alcoholism, leaving his mother to be the sole provider for their family.

But Ben's mother was not just any business owner; she was a true warrior. Having grown up as a black female child in the thirties as a ward of the state, she was determined to ensure her children never faced the same fate. She had a vision of building a better life for her family, one that was filled with love, financial stability, and independence.

From the tender age of 10, Ben and his two siblings and Ben, because of being the youngest became her steadfast companion, working side by side with his mother, who Ben and his wife Michelle care for now in their home since she was diagnosed with Alzheimer's in 2009. The small business was also their home, their shared dream, and their lesson in life's toughest classroom. Ben's mother wore many hats as the owner-operator, from being the caregiver, chef to the maid. It was hard work, but it was done with love, a love that bound their family together.

Through sweat, sacrifice, and resilience, Ben and his family managed to keep their small business afloat. However, there was always an underlying worry that gnawed at his mother's heart. Despite the good income and her savings retirement plan, the thought of retirement still brought stress out of fear of running out of money during retirement. Ben couldn't understand why, until later in life.

As time went on, Ben grew up to become an entrepreneur, investor and the leader of the Rich Dad Official CASHFLOW Club. It was during this time that he gained valuable insights into the world of finance and business through his own successes and failures with the goal of making sure his mother would no longer have to worry about running out of money during retirement and to create generational wealth for his own family. He realized that the missing piece of his mother's puzzle was the concept of passive income. Money that comes in whether you work or not.

His mother had built a successful business, but it relied on her constant presence. If anything were to happen to her, their family's financial future would be in jeopardy. Retirement savings would only take her so far, especially as the cost of living continued to rise.

Ben's revelation was simple yet profound: the best small businesses not only thrive when they're open but also generate income when they're closed or retired and long after the former owner has passed. They do this by creating cash-flowing assets that produce passive income like rental properties and etc. These assets are the secret to financial security, even in retirement, and the key to generational wealth.

Ben believed that all small business owners needed to incorporate this payment processing referral passive income idea into their businesses. So, he's begun teaching them how to not only eliminate payment processing fees, but also how to use payment processing to create passive income for retirement and generational wealth. He calls this approach "Advanced Payment Processing."

Many business owners already use this turning profits into passive income strategy by investing in rental properties for retirement, but they face the challenges of acquiring capital, the properties and managing these assets. Ben's approach provides an alternative solution, one that could transform the lives of many small business owners through cooperation amongst them, just as his own life had been transformed by his mother's unwavering determination.

As Ben continues his journey, he carries with him the lessons learned from Rich Dad and his family's small business, the passion to empower others, and the belief that, with the right knowledge and strategies, anyone could build a brighter financial future. Ben is living proof that from struggles can emerge success, and his focus is to help others achieve the same, even though he wasn't able to do it for his mother as a child.

As most small business owners can attest, generating sufficient income is often contingent on the business being open or their direct involvement, and even then, it's a considerable challenge.