The IBC Guys

Episode 23: IBC and Trusts: Mike’s Story   Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave talk about the relationship IBC policies have with Trusts.  The guys discuss legacy wealth, tax sheltering, and how Mike plans to bless his family for generations. In this episode, Mike decides he wants to (maybe) become a musician, Dave reveals his status as an attorne...

Episode 22: How Much Money Should Go Into My First Policy? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave talk through an often asked question: “How Much Money Should Go Into My First Policy?”  The guys talk through different considerations, some key questions your family should ask itself, and help you to decide what the best amount should be for your first...

Episode 21: How Many Policies Should I Have? Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave discusses the number of IBC policies that is just right for each individual.  Mike brings life into the world, Dave tries to explain things using cardinal directions, and Dave says things in a weird way - again! Key takeaway: The number of IBC one should have is dependent on t...

Episode 20: IBC Guys Update Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave gives a quick status update for the podcast, talks through specific examples of how people are using IBC, and asks you to call!  It’s short and sweet this week. Key takeaway: People are using IBC in all sorts of ways and so can you! Resources Mentioned: 📩 Email: Dave@familybankingsolutions.co...

Episode 19: IBC Stories - Melissa Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, the guys welcome Melissa!  Melissa owns a marketing business that helps people define their mission and then communicate that mission in a way that is impactful and actionable.  Melissa was instrumental in helping the guys launch the IBC Guys podcast.  In doing so, she heard the guys’ story a...

Episode 18: Mike’s IBC Story Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike tells his IBC story!  It’s been too long coming, but this is the episode for which everyone has been waiting! Mike and Dave talk through: Mike’s introduction to IBC and his initial reaction Mike’s perspective in the banking system and where IBC fits in (or doesn’t fit in) How Mike realizes ha...

Episode 17: What is IBC? V. 2 Part 2 - "HOW?!" Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave work to explain one key question often asked when talking through the ‘Purchasing a Truck’ example: “HOW does the money run through your IBC policy come back to your family?” Mike and Dave talk through: The Truck Example using one truck The Rate of Return on running...

Episode 16: What is IBC? V. 2 Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike and Dave once again tackle the question “What is the Infinite Banking Concept?”  Using similar examples said a different way, the guys work to answer the question that is asked of them the most.  Mike and Dave talk through: The options of purchasing a vehicle and where IBC fits in The ultima...

Episode 15: IBC Stories - Jonathan and Carissa Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Mike is away to spend time with family, but Dave is joined by Jonathan and Carissa to hear their IBC story.   Jonathan and Carissa talk through: How they came to hear and learn about IBC How their family is leveraging IBC to have their money make money make money. Their recommend...

Episode 14: IBC Definitions Welcome back to The IBC Guys Podcast!   In this episode of The IBC Guys, Dave and Mike take a step back to unpack some of the key terms that often confuse folks new to Infinite Banking. If you've ever felt like IBC conversations sound like a foreign language, you're not alone—and this episode is here to help. They break down: Paid-Up Additions Rider (PUA): What it is, h...

Episode 13: Do I Really Have to Pay Myself Back? – IBC Misconceptions   Welcome back to The IBC Guys Podcast! In this episode, Mike and Dave tackle one of the biggest misconceptions about the Infinite Banking Concept (IBC): Do I really have to pay myself back?   We hear this question all the time. When you take a loan from your policy, do you have to pay it back? The short answer? No—but the real...

Episode 12: IBC and The Golden Goose   Welcome back to The IBC Guys Podcast! In this episode, we (Mike and Dave) dive deep into a powerful analogy—IBC and The Golden Goose—to help you understand how the Infinite Banking Concept (IBC) can transform your financial future.   You’ve probably heard the fable of the golden goose that lays golden eggs. But what if we told you that your financial system c...

Episode 11: Part 2 - Using IBC to Buy a Car Hey everyone — welcome back to The IBC Guys Podcast! If you caught Part 1 last week, you know we started breaking down how to buy a car using the Infinite Banking Concept (IBC). Well, today, we’re rolling up our sleeves and getting into the weeds.   🚘 Part 1 Recap: We walked through Nelson Nash’s example from his book, comparing buying a car with a Cert...

Episode 11: Part 1 - Using IBC to Buy a Car   Welcome back to The IBC Guys Podcast! Mike and Dave are tackling a big one today — Using IBC to Buy a Car — and this is just Part 1 of a two-part series.   In this episode, we’re breaking down Nelson Nash’s book Becoming Your Own Banker. He lays out five ways to finance a car: leasing, bank loans, paying cash, using a Certificate of Deposit (CD), and u...

Episode 10: How to Use IBC in Purchasing Real Estate   Welcome back to another episode of The IBC Guys Podcast! In today’s episode, we’re diving into an exciting and practical topic—how to leverage the Infinite Banking Concept (IBC) to purchase real estate. Whether you’re a seasoned investor or just getting started, this episode will show you how to use your IBC policy as a powerful tool to fund r...

Episode 9: Dave’s IBC Story Episode Summary: Welcome back to another episode of The IBC Guys Podcast! In this episode, we’re switching things up a bit as Dave shares his personal journey into the Infinite Banking Concept (IBC). From his early days as an educator to becoming a full-time entrepreneur, Dave walks through his path, his skepticism, and the pivotal moment that changed his financial mind...

Episode 8: Good Debt vs. Bad Debt – How IBC Fits Into the Equation   Welcome to The IBC Guys Podcast! In this episode, we (Mike and Dave) dive into a topic that’s often misunderstood—good debt vs. bad debt. Plus, we explore how the Infinite Banking Concept (IBC) can help you transform liabilities into assets and take control of your financial future.   What We Cover in This Episode: A fun backstor...

Episode 7: Family Banking Legacy – How to Keep Wealth for Generations   Welcome back to another episode of The IBC Guys Podcast! We’re Dave and Mike, and today we’re diving into a topic that’s close to our hearts—family banking and building a lasting financial legacy.   What We Covered in This Episode: Why generational wealth disappears – Ever heard the phrase “Shirt sleeves to shirt sleeves in th...

Episode 6: How Much Does an IBC Policy Cost?   Welcome back to The IBC Guys Podcast! In this episode, we’re tackling one of the most common questions we get: How much does an Infinite Banking Concept (IBC) policy cost?   The answer? It depends! There’s no fixed minimum or maximum amount—you can start with what works for you. We’ll break down how IBC policies work, what factors influence cost, and...

Episode 5: Savings vs. Investing & Where IBC Fits In   Welcome back to The IBC Guys Podcast! In this episode, Mike and Dave tackle a common question: What’s the difference between saving and investing, and where does Infinite Banking (IBC) fit in? We break down the definitions of saving and investing, discuss how most people confuse the two, and explain why IBC is neither—it’s a cash flow syst...

Episode 4: How Banks Are Stealing Your Wealth   Welcome to the fifth episode of The IBC Guys! Today, Mike and Dave reveal how banks profit from your hard-earned money and share how you can take back control using the Infinite Banking Concept (IBC).   In This Episode: How Banks Work: Learn how banks turn your deposits into massive profits through fractional reserve banking. Impact on Families: Unde...

Episode 3: What is Financial Cancer and Do You Have It?   Welcome back to our podcast show! We’re Mike and Dave, and this is our third episode. Today, we’re diving into a shocking reality: the average American is paying 34.5% of their income in interest. That’s right, over a third of your hard-earned money is going to someone else.   In this episode, we’ll cover three key things: Identify how this...

Episode 2: Whole Life Insurance vs. Term Insurance   "Buy Term and Invest the Rest." You’ve probably heard this phrase before, but have you ever stopped to ask: Are the people saying it telling you the truth? Or better yet, are they telling you the entire truth?   In this episode, we’re diving deep into the topic of Whole Life insurance. We’ll compare Whole Life to Term insurance and break down th...

Episode 1: Introduction to the Infinite Banking Concept   Welcome to the very first episode of The IBC Guys podcast with Mike and Dave!   Most people have never heard of the Infinite Banking Concept (IBC), but we’re here to change that. Every day, families are losing the opportunity to re-capture money that’s flowing away.   In this episode, we’ll give you a simple and practical overview of IBC an...

Introduction to the Podcast