Infinite Banking Mastery

You have several extra options you can add to your original policy. Some options are better than others, depending on your situation. For example, there's a rider that would allow you to go on a bucket list trip or can cover up to all of your medical expenses, if a certain requirement is met. Another option is a rider that provides a death benefit for your children, up to $25,000 each. There are m...

Paid-up additions (PUA) are the "rocket fuel" that grows your whole life policy. So you definitely want them in your policy… But how long should you fund your paid-up rider? While there isn't a cookie cutter answer to this one, Valerie has valuable insights to help you make the right decision for your situation. Listen now as she explains paid-up additions, the avalanche of factors to shovel throu...

Did you know dividends aren't just for stocks? There's actually one specific type of life insurance policy–and only one–that can pay you dividends. In this episode I'll explain how Whole Life Insurance dividends work, the three things you can do with your dividends, and what to consider if you're looking for a policy and having trouble choosing a company. Listen now! Highlights include: Why knowin...

Repaying loans can be tough. Why? Because it involves extra planning, effort, and monthly payments that strain your finances. Many people struggle to keep up… But guess what? I have a solution for you! Did you know there are alternatives to paying back loans monthly without extra cash? Some methods even allow you to pause payments if necessary. Join me in this episode as I reveal lesser-known ways...

Life insurance policies are like a hidden treasure that only the wealthy know. Why? Because they come with mind-blowing benefits that can change your life. Join me in this episode as I spill the beans on how you can effortlessly pay off all your debts using a life insurance policy and much more… Listen now! Show Highlights Include: How to pay off a loan with your life insurance policy without spen...

Time is your child's greatest asset.  Especially when we're talking about investing.   The reason?  Compounding interest. The earlier your child starts investing, the greater the power of compounding interest. And that's where the REAL power of a whole life insurance policy comes into play. So, whenever a client asks me, "should I own whole life insurance for my child?", my answer is always… Yes! ...

The banks receive massive paydays by collecting interest off of YOUR savings. Here's how: Banks don't let the money you give them sit there. They loan it out as fast as they can, marking it up with interest, and selling it back to us in the form of car loans, mortgages, business loans, etc. They do all this because they make a much higher profit by keeping the money in motion, rather than letting...

When you pay yourself back with interest, you can: Avoid paying the banks ANY interest (and pay your banking system that interest instead.) Potentially retire with a larger nest egg, because you're receiving that excess interest And you'll stop forking over your hard-earned money to Wells Fargo or some other greedy banker All of this sounds great, but one of the biggest questions my clients ask wh...

Banks potentially steal tens of thousands of dollars by the time you retire.  How? With compounding interest.  I know, not a revolutionary concept, but considering how a loan for a $30,000 car actually costs more like $40,000 when you factor in an 11% interest rate... Banks steal from you every day you're paying back a loan — (well actually, you are willingly throwing extra money at them!) That's...

Whole life insurance is a terrible place to invest your money. And that's because life insurance is an asset, not an investment. With infinite banking, you're housing your money there as opposed to housing it with a bank. And from there, you can invest it however you want — pay off your house, debt, invest in short-term rental properties, etc. The trap Dave Ramsey and other financial gurus fall fo...

One of my new clients woke up with $0 in her life insurance policy after 33 years of funding. Worst part? Her premium was about to increase 1,300%. Yep, 1,300%! I tell you this because if you don't know any better, you can choose a life insurance policy that's not optimal for your personal banking system.  Many people make this mistake when getting started in IBC. But in today's episode, you'll di...

If you develop a serious medical condition, you can be banned from whole life insurance (or any life insurance contract!). This is fairly well-known, but there is a way around it: Term insurance.  With term insurance, your ability to be insured is "locked in" — even if you develop cancer or another fatal disease decades later. Best part? You can convert your term insurance into a whole life policy...

Your savings can be taxed if you set your life insurance up incorrectly. Simply put, when you deposit "too much" into a life insurance policy, you create a "Modified Endowment Contract" (MEC.) So, what are the disadvantages of a MEC? Any gains you make in your policy will be taxed at your individual tax rate upon withdrawal There's a 10% early withdrawal penalty if you try to take out before 59.5...

If you're not using your money to make money, someone else is. While you think your money is safe in the bank, they're loaning it out — at interest. This is how they make their real money. But, what if you were able to cut them out… And become your own bank? With a whole life insurance policy, you can! When you become your own bank, you can: Earn interest on the amount of money you're spending Eli...

Banks are the biggest hypocrites. They, and many financial gurus, like Dave Ramsey, convince you to amass a large fortune and then let it sit.  Yet banks do the complete opposite of what they tell you. They make their money by loaning out your savings to other people, all while earning interest. And the reason why they tell you to leave your money in the bank? So they can put your money in motion...

Would you rather earn: $100,000 a day for 30 days or… Earn a penny that doubles every day for 30 days? Trick question. At the end of the 30 days, you would have earned $3 million at $100k per day. Not too shabby. But what about a penny that doubles every day for 30 days? A cool $10.7 million! So how is this possible? Well, it's all possible with Albert Einstein's "8th Wonder of the World" — uninte...

Do you ever sit and burn $20 bills? If you don't, you may as well, because right now the banks are legally taking 34.5% of your take home earnings in pure interest. This interest isn't to pay down your mortgage, your car loan, or your student debt. It's to fill the greedy coffers of ultra rich bankers. Think I'm being hyperbolic? I purchased my home for $377,988 — amortized over 30 years. With an...

How nice would an extra million dollars sound? And imagine if you didn't have to work harder, smarter, or even work at all to get it. Well, this does exist! But I don't recommend you try doing it, because you'll cop a whopping 20 year prison sentence. But if your name is Bank of America, JPMorgan Chase, Wells Fargo, Citigroup, or Goldman Sachs, then go for gold!  That's right, the banks do this ev...

Have you ever wondered why there's a maximum withdrawal limit at the bank? They'll often tout it as "stopping criminals from laundering money." But the reality is this: They don't have much money in the actual bank! What do I mean? The primary way banks make money is by lending out YOUR money. Banks only need to keep about 10% of deposits on reserves.  So when you make a deposit, they loan out you...

Walt Disney, JCPenney, and Ray Kroc. What do all these ultra-wealthy individuals have in common? They all possess, "The Secret of the Affluent", as coined by the New York Times. In layman's terms, they all got ahead in life, not by spending their own money, or taking out a loan, but… By borrowing against their whole life insurance policy!  So, why do the ultra-wealthy leverage whole life insurance...

Imagine a savings tool that had: Guaranteed growth / return on investment (and we're not talking under 1% like you get in savings accounts) Liquidity (access your savings income — tax and penalty free — whenever you want) Borrow against the full amount of your savings (without risk of a margin call) — rather than withdrawing your money.  Allowing your savings to continue to snowball and grow!   An...

You owe the US Government $519,000. What? How? Well, as a nation, we owe over $31 trillion owed in funded liabilities (debt.) And we also owe over $173 trillion in unfunded liabilities (even more debt.)  Worst part? According to David Walker, ex-CPA of the USA, your future tax rate will need to double — or else the nation will declare bankruptcy.  Imagine paying double the taxes you already pay. W...

You owe the US Government $519,000 (and growing).  That's how much you (and every other American) needs to pay in order to bring down Uncle Sam's debt. What's even crazier is this:  According to retirement expert Ed Slott, the Federal government can increase their percentage of your savings whenever they need more money — and that day is coming soon. So the question is, how much will the governmen...

The last 2+ years have shown us we can't trust the banks or government:  Criminally low interest rates, blatant market manipulation, and an unsafe and volatile market. Every year you leave your money in the bank, you're losing a small percentage of your buying power thanks to inflation.  What if I told you that banks are doing something completely different, then what they are telling you to do? S...

Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it's overwhelming, isn't it? And the banks and government aren't going to help you. We all know this.  That's the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy — so long as you don't rely on the government...