Podcasts about infinite banking

The Nelson Nash Interview That Was Never Released. Caleb Guilliams has a candid conversation with Nelson Nash, the creator of the infinite banking concept and the author of, Becoming Your Own Banker, about how Nelson came up with the idea, why he wrote the book, and how him and his family use the infinite banking concept in their own lives.Watch the Video on Youtube for Visuals - https://youtu.be/j7D0z506W74Want a Whole Life Insurance Policy for Infinite Banking? Go Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewMore FREE Infinite Banking Resources & Education: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comTimestamps:0:00 Intro2:01 Interview BeginsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Do people really think they have the right to be rude online? This episode is a raw, unfiltered look at what content creators actually deal with behind the scenes—and why sometimes, blocking is the only option. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen... Get the book: https://www.farmingwithoutthebank.com/book... In this episode, Mary Jo addresses the rising wave of internet trolls, negative comments, and online bullying. From accusations about insurance strategies and retirement planning to criticism about farming, excess money, and even parenting decisions, nothing seems off-limits for keyboard warriors. But here's the truth: creators have the right to protect their space. Mary Jo breaks down real comments she's received, explains the misconceptions around 401(k)s, Roth contributions, Medicare penalties, farming profitability, and the Infinite Banking concept—and shares why mindset matters more than ever. If you've ever wondered why creators delete comments or block followers… this episode explains it all. Key Takeaways: - You don't have the right to be rude just because you're online - Why creators delete and block negative commenters - How retirement withdrawals can increase Medicare premiums - The danger of assuming you "know it all" from one post - Why mindset—not circumstances—often determines financial outcomes - The real cost of online bullying for creators Chapters: (00:00) – Do You Have the Right to Be Rude? (02:00) – Why Are People So Angry Online? (07:15) – 401(k) Withdrawals & Medicare Penalties Explained (13:20) – "What Excess Money?" Farming & Financial Reality (17:50) – Charging Kids Interest & Financial Lessons (24:30) – "Why Isn't the Book Free?" (28:23) – Why I Delete & Block Trolls If you're here to learn and grow, thank you. Be part of the solution, have productive conversations, and scroll past what you don't agree with. Grab your copy of the book here: https://www.farmingwithoutthebank.com/book... Share this episode with someone who needs to hear it—and remember: be a good human.

In this seventh volume of the Best of the Banking With Life Podcast, we've gathered another collection of standout moments from recent episodes. From practical insights to timeless principles surrounding the Infinite Banking Concept®, these highlights continue to reflect the lasting impact of Nelson Nash's work. As always, we hope you enjoy and thank you for listening!Best Of The Banking With Life Podcast Playlist: ➫ www.youtube.com/playlist?list=PLx…XlVl7C5bPyZ0SX1WNMake sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Are "cheap" bank loans really cheap? And are you asking the wrong question about the rate of return? In this episode, we break down pages 68–70 of Becoming Your Own Banker and uncover the hidden cost of acquisition, why chasing higher returns misses the point, and how Infinite Banking can create true generational wealth.

In this master's class episode of the Smart Real Estate Coach Podcast, I sit down with Anthony Faso and Cameron Christiansen, founders of Infinite Wealth Consultants and hosts of The Infinite Wealth Podcast, to unpack how infinite banking fits hand-in-glove with creative real estate.    We talk about using specially designed high-cash-value whole life insurance as your own private bank, why those policies don't go to zero the way stocks can, and how to store your "three paydays" in a vehicle that is safe, liquid, and tax-advantaged.    Anthony and Cameron walk through how to tell if your current policy is built correctly, how much capital you really need to get started, and how to use leverage and policy loans to scale a portfolio faster without giving up control to Wall Street.    If you're serious about passive income and long-term wealth, this conversation will give you a concrete game plan to evaluate infinite banking for yourself and your family.   Key Talking Points of the Episode   00:00 Introduction 01:02 How infinite banking and our 3 Paydays System™ 01:20 Who are Anthony Faso and Cameron Christiansen? 03:01 What "Recovering CPA" means for Anthony 04:58 What is Infinite Banking? 06:48 The difference between infinite banking and traditional savings 08:13 Infinite banking vs. security backed line of credit 10:15 How much do you need to start infinite banking? 13:05 Good debt, bad debt, and fixing your mindset 14:13 How to change your mindset about debt 15:20 The disadvantages of paying with cash 16:15 Using leverage to scale your real estate portfolio 18:11 What to look out for when investing in your policies 19:57 Is your current whole life policy built for infinite banking? 22:14 FREE resources from Anthony and Cameron 23:33 Is infinite banking right for you? 25:00 How I personally use infinite banking 26:48 Free Smart Real Estate Coach resources   Quotables   "With infinite banking, it won't and can't go to zero. And with real estate, it won't and can't go to zero. Your house can't go to zero."   "We're designing it to minimize that death benefit and maximize cash. You're going to have cash from day one."   "I don't bring people on that do stuff that I don't do. I own policies personally in this arena, I own policies for the business, and I have each of my grandkids funded for a policy."   Links   Free Course: Infinite Wealth Consultants https://infinitewealthconsultants.com/smartrealestate   Free Discovery Call https://smartrealestatecoachpodcast.com/discovery   3 Paydays® System - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Strategy Session https://smartrealestatecoach.com/actionpodcast   Partners https://smartrealestatecoach.com/podcastresources  

In today's episode of You Can Overcome Anything Podcast Show, CesarRespino.com brings to you a special guest.S. S. Coulter is the creator of Planet Fassa, a screen-lite movement helping families reclaim imagination, connection, and real-world joy. She also coaches adults to Break the Chain of tech overuse — because when grown-ups come back to life, kids do too. She's the host of Let There Be Joy, the podcast that offers three simple, practical ways each episode to bring more joy, presence, and meaning back into everyday life.S. S. Coulter message to you is:Don't cover up your light. Let it shine and see what you can do.To Connect with S. S. Coulter go to:https://sscoulter.com/https://linktr.ee/sscoultersscoulter7@gmail.comTo Connect with CesarRespino go to:

The “Real Show” Reminder (and why that matters) We kicked off this episode the way we often do—by being real. A quick tech hiccup, a laugh, and the reminder that this is not a polished production pretending to be perfect. It's a real show, with real people, talking about real money decisions. https://www.youtube.com/live/JDkaHi_66d8 And that imperfect start is a perfect picture of what's happening in the Infinite Banking world right now. As Infinite Banking becomes more popular, the internet makes it look clean and effortless: slick graphics, big promises, “hacks,” and fast results. But families don't need more hype. They need clarity. That's why this Nelson Nash Think Tank 2026 recap matters. It's one of the few environments where serious practitioners gather—not to sell—but to refine thinking, challenge assumptions, and protect the integrity of Nelson Nash's original message. If you're a family leader who wants to use the Infinite Banking Concept as a long-term strategy—not a short-term trend—this is for you. The “Real Show” Reminder (and why that matters)What you'll gain from this Nelson Nash Think Tank 2026 recapWhat is the Nelson Nash Think Tank (and why it's different)?Nelson Nash's first rule and the 2026 themeInternal rate of return vs volume in Infinite Banking: what families are hearing onlineWhy “maximum early cash value” can backfire in Infinite Banking policy designModified Endowment Contract (MEC) and the 7-pay test: what to knowHow to choose an Infinite Banking practitioner (and avoid bad advice)“Insurance companies are not banks”: understanding the banking processThink long range as a way of life, not a quick tacticWhere Infinite Banking is headed: young people, AI, and fintechWhat this Nelson Nash Think Tank 2026 recap means for your familyListen to the full episode (Nelson Nash Think Tank 2026 recap)Book A Strategy Call What you'll gain from this Nelson Nash Think Tank 2026 recap In this article, we're pulling back the curtain on what was shared at the Nelson Nash Think Tank 2026—a practitioner-focused environment where the emphasis was think long range, improve policy design conversations, and address the growing confusion created by clickbait marketing and “shortcut” policy claims. Here's what you'll walk away with: What the Think Tank is (and why it's not a sales event) Why “think long range” was the theme—and why families should pay attention The real issue behind “maximum early cash value” and skinny-based designs How to spot Infinite Banking misconceptions and marketing tactics What's coming with AI and fintech in life insurance—and what isn't changing Practical guidance for families who want to take control of the banking function What is the Nelson Nash Think Tank (and why it's different)? The Think Tank isn't built for the general public. It's designed to sharpen the people who teach and implement the concept. You typically attend as a practitioner, someone in the practitioner program, or as a guest of a practitioner (which can include clients or people considering becoming practitioners). It's also intentionally immersive. The days start early with breakfast, run through sessions into late afternoon, and then continue with dinners, vendor conversations, and deep discussions with fellow practitioners late into the night. You don't go to be entertained. You go to be challenged, stretched, and sharpened. And that matters right now because Infinite Banking has become more searchable, more popular, and—unfortunately—more misrepresented. When something powerful spreads quickly, stewardship matters more. Nelson Nash's first rule and the 2026 theme The theme this year was think long range, and that's not a catchy slogan. It's foundational to the Infinite Banking Concept as Nelson Nash taught it. Short-term thinking is the default posture of our culture. Social media rewards it. Marketing rewards it. Even many financial products are sold with it: “What can you get fast?” “What can you access now?” “How can you win this year?” But Infinite Banking was never meant to be a short-term move. It's meant to be a lifetime strategy. Thinking long range means you're making decisions from the perspective of: building stability, not excitement creating options, not dependence protecting your family's future, not chasing quick wins designing a system that can bless generations, not just solve this month That mindset shift is what separates families who use Infinite Banking wisely from families who get caught in the noise. Internal rate of return vs volume in Infinite Banking: what families are hearing online One of the biggest recurring themes was the temptation to judge policies primarily by internal rate of return (IRR)—especially in the early years. If you've spent any time online looking at Infinite Banking, you've likely seen people argue about illustrations, early cash value, and “best” design strategies. Many of those arguments are framed as if the only goal is maximizing the numbers as quickly as possible. But here's the problem: you can “win” an early IRR argument while losing the long-range strategy. A powerful presentation at the Think Tank used a visual approach—backed by math—to show something families need to hear clearly: focusing on early cash value often creates tradeoffs that reduce your future capacity. There are no solutions—only compromises. And a compromise isn't bad when you understand it. The danger is when someone sells a compromise like it's a guaranteed solution. The heart of the point was this: in Infinite Banking, the rate is not nearly as important as the volume of dollars you can control over your lifetime. That's how commercial banks and major financial institutions think. A small return on a massive volume becomes a large outcome. For families, that translates into a different question entirely:How much of what flows through your hands will you capture and control? That question changes everything. Why “maximum early cash value” can backfire in Infinite Banking policy design One of the most popular marketing angles today is the push for “maximum early cash value,” often achieved through skinny-based policies with high PUAs. The pitch usually sounds like this: get as much cash value as possible early so you can “put your money to work somewhere else.” Here's what often doesn't get explained. Some aggressive designs rely on structures that only allow maximum funding for a limited period (for example, seven years). After that funding window ends—often due to IRS rules tied to MEC limits—the rider or structure may drop off, and you can no longer fund in the same way. The common comeback is: “Just start another policy.” But real life isn't a spreadsheet. Starting over can reset efficiency. Health and insurability can change. Income changes. Goals change. Markets change. And a strategy that depends on you repeatedly starting new policies assumes a stability most families simply can't guarantee. The bigger concern is the mindset that this trains: a series of short sprints instead of building a lifelong system. Thinking long range means designing for durability, flexibility, and sustainability—not just speed. Modified Endowment Contract (MEC) and the 7-pay test: what to know You don't need to be a tax expert to understand why MEC rules matter, but you do need to know that they exist—because many “max fund fast” strategies bump up against them. A Modified Endowment Contract (MEC) is a policy that fails IRS funding limits (often related to the 7-pay test). When a policy becomes a MEC, the tax treatment of distributions changes, and it can reduce some of the advantages families expect when they hear “tax favored.” That's why certain policy designs are built around managing those limits—sometimes by using structures that give you a short window of maximum funding. The key takeaway is simple: if someone is promising “perfect” early cash value without explaining tradeoffs, funding limits, and long-term implications, you're not being educated. You're being marketed to. And marketing can be expensive. How to choose an Infinite Banking practitioner (and avoid bad advice) As Infinite Banking grows, a disappointing trend has emerged: clickbait content designed to stir controversy or attract attention. Some marketers now lead with “what's wrong with IBC” as a hook—even while selling it—because negativity generates clicks. That kind of infighting confuses families and erodes trust. So what should you watch for? Red flags to take seriously Be cautious if someone says or implies: “You don't have to make premium payments.” “These aren't premiums, they're deposits” (without clear explanation that it's life insurance). “You'll get cars for free if you do this long enough.” “This is the only policy design that works.” “You're borrowing at X and earning Y so you're losing money” using simplistic one-year comparisons. Another red flag: when someone makes you feel urgency—like you must act now without fully understanding what you're buying. If it feels too good to be true, your intuition is likely picking up on something real. A healthier question to ask Instead of asking, “How fast can I get cash value?” ask: “How will this policy design serve my family over decades?” “How long can I realistically fund this?” “What compromises are being made to get early access?” “How does this fit into my long-term cash flow strategy?” That's how you protect yourself—and how you start thinking like the kind of leader this strategy requires. “Insurance companies are not banks”: understanding the banking process Insurance companies have been emphasizing that they are not banks. That's true.

Q & A #24 Can Velocity Banking Go With Infinite Banking?In this installment of the Question and Answer Series, we address questions like: How do I share infinite banking with friends? Is infinite banking like a well-known financial company? Can velocity banking work with infinite banking? And much more!Resources from video:Round Table episode on velocity banking - https://youtu.be/xJDw4BNssww?si=qjfRQOhkK9utDU2R⚔️ LIVE & LEAVE A LASTING LEGACY

Is IBC with Ameritas a good choice? In this videos, Caleb Guilliams and Alden Armstrong review Ameritas Life Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more!Watch the Video on Youtube for Visuals - https://youtu.be/akA5o9eVIZkWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Learn More About BetterWealth: https://betterwealth.com DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Do people really think they have the right to be rude online? This episode is a raw, unfiltered look at what content creators actually deal with behind the scenes—and why sometimes, blocking is the only option. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen... Get the book: https://www.farmingwithoutthebank.com/book... In this episode, Mary Jo addresses the rising wave of internet trolls, negative comments, and online bullying. From accusations about insurance strategies and retirement planning to criticism about farming, excess money, and even parenting decisions, nothing seems off-limits for keyboard warriors. But here's the truth: creators have the right to protect their space. Mary Jo breaks down real comments she's received, explains the misconceptions around 401(k)s, Roth contributions, Medicare penalties, farming profitability, and the Infinite Banking concept—and shares why mindset matters more than ever. If you've ever wondered why creators delete comments or block followers… this episode explains it all. Key Takeaways: - You don't have the right to be rude just because you're online - Why creators delete and block negative commenters - How retirement withdrawals can increase Medicare premiums - The danger of assuming you "know it all" from one post - Why mindset—not circumstances—often determines financial outcomes - The real cost of online bullying for creators Chapters: (00:00) – Do You Have the Right to Be Rude? (02:00) – Why Are People So Angry Online? (07:15) – 401(k) Withdrawals & Medicare Penalties Explained (13:20) – "What Excess Money?" Farming & Financial Reality (17:50) – Charging Kids Interest & Financial Lessons (24:30) – "Why Isn't the Book Free?" (28:23) – Why I Delete & Block Trolls If you're here to learn and grow, thank you. Be part of the solution, have productive conversations, and scroll past what you don't agree with. Grab your copy of the book here: https://www.farmingwithoutthebank.com/book... Share this episode with someone who needs to hear it—and remember: be a good human.

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEIn this episode, Joe Withrow sits down with Brian and Hans from Remnant Finance for a live strategy session breaking down the Infinite Banking Concept from the ground up. We get into what a whole life insurance policy actually is (and isn't), why the bank has been profiting off your savings your entire life, how to borrow money against an asset without actually reducing it. If you've been curious about IBC but never had it broken down in plain language, this is the episode to start with.Chapters:00:00 – Opening segment03:30 – What is IBC? The protect, save, grow framework07:35 – Taking over the banking function: why the bank always wins11:15 – Human life value: your most valuable asset isn't on your balance sheet17:00 – Generational policies and setting up kids22:30 – Policy loans explained: borrowing against vs. borrowing from30:00 – Live illustration: how Hans funded a real estate syndicate41:00 – The car purchase breakdown: policy loan vs. dealer financing vs. cash46:00 – Does this work if you don't have dependents?53:00 – Brian's land story: how access to capital beat four competing offers1:03:00 – Policy illustrations walkthrough: the cash drag period and when it flips1:14:00 – Mutual companies, dividends, and why the math actually works1:24:00 – Why Dave Ramsey's advice has an expiration date1:33:00 – Who this is and isn't for1:37:00 – Closing segment / how to book with Remnant FinanceKey Takeaways:The bank is always profiting — the only question is whether you are. When you save at 3% and borrow at 6%, the bank isn't making a 3% spread. They're making a 100% return on every dollar they hold for you. IBC is about recapturing that function for yourself.You're not borrowing from your policy — you're borrowing against it. The insurance company loans you their money, collateralized by your cash value. Your policy keeps compounding as if you never touched it. That's what makes it possible to use the same dollar more than once.Cash attracts opportunities you can't plan for. Brian outbid developers on land behind his house — paying $80,000 less than the highest offer — because he could close in a week with no contingencies. That's not an investment strategy. That's just what access to capital makes possible.The guaranteed growth is the point. This isn't an investment — it's a warehouse. The value is in having a pool of capital that grows uninterrupted, tax-free, by contract, regardless of what the market does or what loans you have outstanding.IBC isn't for everyone right now — and that's okay. If you don't have consistent positive cash flow, forcing a premium payment will feel like a burden instead of a blessing. Brian and Hans will tell you that directly. Get the foundation right first.If you've heard of Infinite Banking, you've probably also heard someone tell you it's a scam — or that you should just max your 401k and call it a day. Most people dismissing it have never actually had it explained properly.

In this eighth installment, James continues the conversation on real estate and the Infinite Banking Concept®. He shares clips highlighting how policy loans provide speed, control, and flexibility for funding projects, managing rentals, and seizing opportunities without relying on traditional lenders. As always, we hope you enjoy the episode and thank you for listening. Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Is retirement really the dream… or is it a trap? In this episode, we break down Part 5 of Becoming Your Own Banker and tackle two powerful ideas: capitalizing your system and the truth about the retirement trap. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen... Get the book: https://www.farmingwithoutthebank.com/book... Nelson Nash warned decades ago about Social Security, tax-deferred retirement plans, and government-sponsored schemes—and many of his predictions are playing out today. If you think tax-deferred means tax-free… or that retirement equals freedom… you'll want to hear this. What We Cover: - Why desire is the starting point for Infinite Banking - The importance of surrounding yourself with like-minded people - Why retirement may actually shorten your life - The hidden dangers of government-sponsored retirement plans - What "tax-deferred" really means - How losing control of your money changes everything - Why purpose is more important than retirement Key Takeaways: You must have a burning desire to escape the traditional financial system Infinite Banking is a lifetime commitment—not a quick fix Tax-deferred plans mean delayed taxation… not avoided taxation Government programs can change the rules anytime Retirement means "taken out of service"—and that's not the goal Purpose and continuous learning keep you young Chapters: (00:00) – Staying Young vs. "Becoming Old" (00:48) – Capitalizing Your System Explained (02:11) – Why Desire Is Everything (07:30) – The Retirement Trap (10:36) – The Truth About Tax-Deferred Plans (14:41) – Why Retirement Isn't the Goal (18:12) – Lifelong Learning & Purpose If you're ready to rethink retirement and take control of your financial life, this episode is for you. Grab your copy of Becoming Your Own Banker Read the book and schedule an appointment to get started Every day you wait… You are probably losing some opportunity cost getting started and using the policy.

Episode Summary Most people think they live in capitalism. They don't. They live in a permission-based money system—where access to capital requires approval, delays, or debt. In this episode, Curtis breaks down what capitalism actually is, why most households aren't participating in it, and how Infinite Banking represents household-level capitalism in action. This isn't political. It's structural. What you'll learn -Why your biggest money problem is usually lack of liquidity, not lack of income -The difference between capitalism, corporatism, and crony finance -Why most people are trained to save money they can't access -How "buy term and invest the difference" often creates cash-poor households -The three pillars of real financial control: liquidity, control, continuity Key takeaway If you don't control liquidity, you don't control decisions. And if you don't control decisions, you're not practicing capitalism—you're reacting. If this episode exposed cracks in your money system, don't try to budget harder. Fix the structure. Go to practicalwealth.net and book a 15–20 minute Clarity Call to identify where control is leaking and what to fix first. Links & Resources Episode Resources Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com The Practical Wealth Show with Curtis May Keywords Household economics Personal economy Capitalism without apology Infinite banking Liquidity and control Private reserve strategy Permission-based spending Debt paradigm Capital storage Financial independence Institutional finance Cash flow control Episode Highlights 00:00–01:06 - Capitalism without apology and the idea of a personal economy 01:06–02:04 - Why you can't control the global economy—but you can control your household economy 02:04–02:45 - Capitalism as control, not investments or rates of return 02:45–03:34 - Liquidity defined: why access to money determines decision-making 03:34–05:07 - High income, low liquidity—and why professionals still feel tight 05:07–06:15 - Debt as a symptom of illiquidity, not irresponsibility 06:15–07:36 - What capitalism actually is (and what it isn't) 07:36–08:51 - How locking money away forces life to be financed with debt 08:51–10:01 - The debt paradigm vs the "pay cash" illusion 10:01–11:37 - Institutional rules that shape how people are taught to use money 11:37–12:55 - Why most personal economies show no evidence of financial freedom 12:55–14:15 - Signals, interest rates, and distorted financial behavior 14:15–15:49 - Infinite banking as a system—not a product 15:49–17:16 - Liquidity, control, and uninterrupted compounding 17:16–18:17 - Outsourcing knowledge and control to institutions 18:17–20:12 - Capitalism practiced at the household level—and the call to action

Converting term insurance into a permanent life insurance policy can allow you to recover the cost of your insurance in a matter of a few years, insure that your premium will never increase, your death benefit will never expire, and in addition to this, build cash value equity in your policy that will continue to accumulate and grow tax free. (listen to understand more about this) One of the best kept secrets about Life Insurance is convertible term insurance. Convertible term insurance allows you to take advantage of the low premiums of term insurance and lock in your insurability, and then down the road convert the term insurance into permanent life insurance that builds equity.... all without having to re-qualify for insurance. We use convertible term life insurance and recommend it to our clients. 99% of term life insurance never pays a benefit. This is because term insurance becomes cost prohibitive with premiums as age of the insured increases. We specialize in designing and selling Convertible Term Life Insurance, and Participating Whole Life Insurance for maximizing cash value and growth. Email: team@McFieInsurance.com Call: 317-912-1000 Link to Dave Ramsey vs Infinite Banking binder: https://pages.mcfieinsurance.com/dave-ramsey-v-infinite-banking/?utm_source=youtube&utm_medium=link&utm_campaign=podcast&utm_content=557 Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA== Facebook: https://www.facebook.com/profile.php?id=61554798231074  Listen to the Wealth Talks Podcast on: YouTube: https://www.youtube.com/@wealth-talks-podcast Apple Podcasts: https://podcasts.apple.com/gb/podcast/wealth-talks/id978187163 Spotify: https://open.spotify.com/show/7MOugefeGkTl5jdkhYdjvQ?si=80ce9359d8e54cc8

Was I Wrong About The Infinite Banking Car Loan Debate? John Hutch from Banking Truths (@bankingtruths) joins Caleb Guilliams to discuss the recent debate between him and Chris Naugle over bank vs policy loans for cars. Hutch presents his new calculator to determine which is more favorable for saving money and for longterm wealth creation in their whole life insurance policies.Watch the Video on Youtube for Visuals - https://youtu.be/bfI84QWKxB4Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewLearn More About BetterWealth: https://betterwealth.comDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

What if the financial advice you've been following is actually keeping you from achieving true wealth? In this episode, Sean Dempsey joins Cameron Christiansen and Anthony Faso to share powerful financial strategies that can help you escape the rat race and build sustainable wealth. In his book Financial Cheat Codes, Sean reveals the financial cheat codes the wealthy have used for generations to build passive income, create generational wealth, and avoid the mistakes most people make on their financial journey. He discusses how traditional advice often leads to mediocrity and why many investors unknowingly play the financial game backward. Sean walks through his concept of the "wealth pyramid," where the key to long-term financial success lies in shifting investments from speculative assets to stable, income-producing assets. He emphasizes the importance of a strong foundation, which he believes can be achieved through strategies such as Infinite Banking. Tune in to hear how you can take control of your financial future today by following Sean's cheat codes–no more relying on outdated financial models. Whether you're new to investing or already experienced, this episode has insights to help take your wealth-building strategy to the next level.   Get the book Financial Cheat Codes here: https://financialcheatcodes.net/   In This Episode: - Why are most people playing backwards financially? - The importance of a wealth pyramid for financial success - Why traditional financial advice isn't working - The role of Infinite Banking in long-term wealth - How access to capital enables you to approach opportunities - Building generational wealth with income-producing assets - Why Sean shares his losses (not just the wins) in his book - How Infinite Banking helped Sean recover from his losses - Why most people still follow traditional financial advice - How to get started with financial cheat codes today   Resources: 

Are you a military member planning to transition in the next 1-3 years? Tired of being told to "max out your TSP" and wait until 59½ to access YOUR money?Former military officers David Befort and Paul Fugere know exactly what you're going through—because they've been there. They faced the same financial handcuffs, the same "conventional wisdom" that keeps your wealth locked away when you need it most.In this episode, you'll discover:Why the TSP/401(k) might be costing you opportunities during your transitionHow to build a "bridge" from military to civilian life with accessible capitalThe truth about the Survivor Benefit Plan (and a better alternative)How to create your own banking system using dividend-paying whole life insuranceReal numbers: Why putting $416/month into SBP might be leaving $1.75 million on the tableThis is NOT about choosing between investing OR insurance—it's about having BOTH, with one critical difference: access to your capital when opportunities arise, emergencies hit, or you simply want to live your life on your terms.The Military-Specific Challenges They Solve:✅ "I want to leave the military, but I can't afford to lose the paycheck"✅ "I have money in TSP, but I can't touch it without penalties"✅ "I'm worried about finding the right job after transition"✅ "I need life insurance before the VA destroys my insurability"✅ "I'm tired of being told what I can't do with my own money"ABOUT YOUR HOSTS:David Befort separated from active duty in 2014 after serving as a military pilot. Four years before separation, he discovered Infinite Banking and built three whole life policies that gave him the financial freedom to be selective about civilian opportunities—not desperate. He turned down the military bonus money (the "golden handcuffs") because he had created his own capital to bridge the transition. Today, he helps military families build the same financial freedom he created for himself.Paul Fugere retired after 20+ years of military service, having discovered Infinite Banking during his final years in uniform. He watched colleagues become "28-year lieutenant colonels" who couldn't afford to retire because they'd locked all their wealth in accounts they couldn't access. Paul capitalized his own policies and transitioned with confidence, knowing his family had liquidity, not just paper statements. His mission: ensure other military families don't make the same mistakes he almost made.Both hosts are licensed Infinite Banking practitioners who specialize in military transitions and understand the unique challenges of leaving service.WHO THIS PODCAST IS FOR:Military members 1-5 years from separation or retirementAnyone tired of the "fire and forget" 401(k)/TSP mentalityPeople who want to use their money NOW, not just accumulate for laterFamilies who need life insurance before VA disability ratings make them uninsurableAnyone seeking financial flexibility and control, not...

The moment we realized “liquidity” isn't a theory Thirteen years ago, Lucas and I thought we were being responsible by storing a lot of our capital in gold and silver. It felt safe. It felt timeless. It felt like the kind of move people make when they're thinking long-term. And then we needed cash. https://www.youtube.com/watch?v=M3go-H641ZU Not someday. Not “in retirement.” We needed liquidity for real life—building a business, making decisions, moving when opportunities showed up. And in that moment, we learned something the hard way: an asset can be valuable and still be a terrible place to store accessible capital. The spot price was down. We had to sell at the wrong time, and that's when the question got painfully simple: Where do you store capital so you can access it when you want it—without losing control, without begging permission, and without being at the mercy of timing? That question is what led us to build what we now call our family banking system—and in this Part 6 case study, we're pulling back the curtain again. In this Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6), Bruce Wehner and I walk you through the real mechanics: premium paid, cash value, loan availability, in-force illustrations, original projections, and what actually changed over time. The moment we realized “liquidity” isn't a theoryWhat you'll learn from this Marshall Family Banking System case studyWhat is a family banking system?Why we started: liquidity, then legacyFamily banking system case study: our “13-year” system with a reset (1035 exchange)Premium paid vs cash value: the real numbers (round terms)Cash value vs loan value in a family banking system“Do you still earn dividends with a policy loan?”How a family banking system works year-to-year: the numbers keep risingIn-force illustration vs original illustration: why our numbers changedWhy illustrations change (dividends change)The compounding effect: what changed by age 75Break-even in a family banking system: what it means and what it doesn'tWhat's inside an annual statement: dividends, PUAs, and how death benefit risesPaid-up additions rider (PUA) and compoundingDirect vs non-direct recognition: what to knowAnnual premium payment and “premium refund”: a detail most people missThe core mindset shift: this is about control of capitalWhat this Part 6 case study provesListen to the full episodeFAQWhat is a family banking system?Is a family banking system the same as Infinite Banking?Why pay whole life premiums annually in a family banking system?When does a family banking system using whole life insurance break even?What is a whole life insurance policy in-force illustration?Why does a whole life insurance policy's in-force illustration differ from the original illustration? What you'll learn from this Marshall Family Banking System case study If you've ever looked at a whole life insurance illustration and wondered, “Can I trust these numbers?” you're not alone. And if you've ever asked: “What happens to cash value when you take a policy loan?” “Do you still earn dividends with a policy loan?” “How do I compare an in-force illustration vs original illustration?” “When does a family banking system break even?” …then this article is for you. This is Part 6 in our series, and it's designed to help you understand how a family banking system works using real policy performance—not theory, not hype, and not marketing claims. Here's what you'll gain by reading: A clear picture of family banking system with whole life insurance and why we use it What our numbers look like (in round terms) after years of funding The difference between cash value vs loan value (and why that matters) Why in-force results can differ from the original illustration How dividends changing over time can materially impact long-range projections Why we're still committed—and why this is about control, not “rate of return” What is a family banking system? A family banking system is a capital control system—built to give your family a dependable place to store cash, grow it steadily, and access it on demand. Bruce and I both see this with families every day: the biggest stress isn't usually “investment performance.” It's capital access. It's the ability to make a decision when life happens—without panic, without selling assets at the wrong time, and without losing future opportunity because you couldn't move quickly. For us, our family bank is built on whole life insurance cash value from a mutual company, structured intentionally for: Liquidity and access Predictable growth (guarantees + non-guaranteed dividends) A growing death benefit for multi-generational wealth The ability to borrow against the policy while the cash value continues to compound And I want to say this plainly: this is not an investment.This is savings. This is capitalization. This is a financial foundation from which you can invest with confidence. That distinction matters. Why we started: liquidity, then legacy We started this journey because we needed liquidity. Later, we realized something deeper: a family banking system is not just about “having cash.” It's about building a structure that can last. After my near-death experience, our perspective on money and estate planning shifted permanently. We began asking a different question: What would it look like to leave our children more than money—while also leaving them a financial system that works? That's where the multi-generational aspect of this became central. Lucas said it simply in the episode: it's for now and for the future. Family banking system case study: our “13-year” system with a reset (1035 exchange) One important clarification: when we say “13-year update,” it's because the concept has been in our family for 13+ years. But the specific policies we're showing in this case study are newer because we did a 1035 exchange—moving cash value from one policy to new policies. That move effectively hit a reset button in terms of what you'll see on the current policy timeline. So while the family banking system is 13+ years in, these particular contracts are five policy years into the current structure. That matters, because a lot of people look at year 1–5 and get discouraged. In early years, policies have costs, and break-even in whole life insurance doesn't happen immediately. But “break-even” isn't the only goal—and really it's not even the most important measurement. Premium paid vs cash value: the real numbers (round terms) Let's make this tangible. At the time we pulled these figures (Watch the YouTube video to see all the numbers): We had paid a little over $300,000 in total premium into the two policies Our total cash value (if we paid off the outstanding loan) was roughly $282,000 The amount we could access as a loan (if we paid off the outstanding loan) was roughly $260,000 We currently had a policy loan of about $48,000 With that loan in place: Cash value showed lower (because of mechanics like premium refund timing and reporting) The available loan value was lower (because part of the cash value is collateralized by the loan) Here's the key takeaway for your own family banking system with whole life insurance: Cash value vs loan value in a family banking system Cash value is the pool. Loan value is how much the company will allow you to borrow against that pool. When you take a policy loan, you are not “withdrawing” your cash value. You're using the insurance company's money and collateralizing your cash value. That means: Your cash value can keep compounding You can repay the loan and free up borrowing capacity again You are not interrupting the internal growth the same way you would if you pulled money out of a bank account Bruce made this point clearly: banks stop paying you interest on money you remove. With policy loans, the system behaves differently because you're borrowing against the reserve, not pulling your capital out. “Do you still earn dividends with a policy loan?” In our case, yes—because our company is non-direct recognition. That means the company does not reduce the dividend crediting due to the presence of a loan. (Some companies do recognize the loan and adjust dividends; those are direct recognition companies.) Bruce's point was balanced, and I agree: it's not that one is “good” and the other is “bad.” There are tradeoffs. There are no solutions—only compromises. But you need to understand which kind you have, because it affects how policy loans show up in performance over time. How a family banking system works year-to-year: the numbers keep rising One of the most encouraging things we've seen is simple: The amount we can borrow has continued to increase year after year. A family banking system is not built for bragging rights. It's built for usability. The question isn't “What's the highest theoretical projection?”The question is “How much capital can I access when I need it—without breaking my plan?” When you consistently fund a system, you build a growing reservoir of capital that you control. This is why we call it an “emergency/opportunity fund.” It's there for emergencies and opportunities. In-force illustration vs original illustration: why our numbers changed Now let's get to the core of this Part 6 case study: Marshall Family Banking System Case Study: In-Force vs Original Illustration (Part 6) is about comparing the illustration you get when you start… versus the illustration you get after real years of performance. Here's what we showed: The original illustration used the dividend crediting rate at the time the policy was issued and projected it out to age 121.

The Interview Series #42: Taylor TranthamIn this episode of the Interview Series I have a conversation with one of my longest standing clients about her Infinite Banking journey. Taylor is a long-time friend, a mom, former teacher, a business owner and an infinite banker. We've worked together for several years over several policies and several iterations of leveling up privatizing banking for family, business and investment opportunities. Taylor is the epitome of a coachable person, has always been a pleasure to work with and has really been on a journey of living and leaving a lasting legacy. I hope you enjoy our conversation, learn and apply!⚔️ “LIVE & LEAVE A LASTING LEGACY”

Trent Fortner, a 40+ year veteran in the life insurance and wealth planning space gives an 89 minute masterclass on how life insurance, if incorporated properly can completely reshape your financial plan and wealth building strategies. Trent lays the groundwork and dives into the numbers with his calculators to prove that a financial plan without life insurance can't compete with one that does.Connect with Trent: https://trentfortner.com00:00 Intro 00:44 Introducing Trent Fortner 01:39 Returning to Basics & Overarching Planning02:07 LEAP and Infinite Banking 03:47 Working with Nelson Nash in the 1990s 06:26 Power of Life Insurance & the LEAP Process 06:45 Problem with Product-Centric Planning 07:33 Dr. Wade Pfau & Non-Correlated Assets 08:57 Risks of Indexed Universal Life (IUL) 12:23 Holistic Planning 15:32 LEAP Present Plan Model 21:41 Client Choices After Discovery 22:50 Addressing the “Cost” Objection 24:39 Compounding Taxes 33:24 Impact of Losses on Savings 39:08 Taxes Are a Complete Loss 44:36 Flattening Taxes 48:53 Adding Benefits with Permanent Life Insurance 49:39 Compounding vs. Whole Life Insurance 56:42 Life Insurance vs. High-Yield Savings Account 01:03:01 Rich on Paper vs Rich In Real Life 01:06:52 Ways to Use Permanent Life Insurance 01:11:37 Gains, Advantages, Risks 01:22:04 Final ThoughtsWatch the Video on Youtube for Visuals - https://youtu.be/vG8jaEDRDPQWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.comDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, James sits down with Beau Kelley to discuss discovering the Infinite Banking Concept, the value of apprenticeship, and the importance of long-term thinking. They explore mutual companies, capital control, and why mastery matters over time. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

EPISODE SUMMARY In this deeply personal episode, Gary shares the full story behind one of the most common questions he receives: Why would a nuclear submarine commander on track for admiral leave it all to sell life insurance? The answer isn't about career change — it's about calling. Gary walks through pivotal life moments: growing up broke, attending the Naval Academy, commanding a submarine, losing half his wealth in the Great Recession, and realizing he had outsourced responsibility for his financial future. That wake-up call forced him to rethink everything — not just investing, but fatherhood, leadership, and legacy. He explains how shifting from market speculation to real estate ownership and liquidity-based financial strategies changed his trajectory. He also shares how mentorship at Paradigm Life introduced him to the power of safe, liquid capital as a foundation for business growth. Ultimately, this episode is about agency — taking control of your household first, then helping others scale their gifts through business ownership, liquidity, and intentional wealth-building. This is not just a career story. It's a mission story.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360   KEYWORDS Agency Financial independence Liquidity Infinite banking Hierarchy of wealth Real estate investing Business ownership Exit planning Financial responsibility Leadership transition Wealth control Family legacy Liquidity strategy Personal finance awakening Economic resilience EPISODE HIGHLIGHTS 00:00–01:05 - Why Gary left a fast-track Navy career on the path to Admiral 01:05–02:12 - The tension between career prestige and personal calling 02:12–03:22 - Early life struggles and the Naval Academy opportunity 03:22–05:00 - His mother's life insurance payout and financial turning point 05:00–06:29 - The realization: outsourcing your finances is a mistake 06:29–07:45 - Losing half his wealth during the Great Recession 07:45–09:07 - Why market losses matter most when timing collides with life decisions 09:07–10:38 - The danger of blind trust in financial "professionals" 10:38–12:13 - Real estate as control vs. market speculation 12:13–13:45 - Liquidity as staying power during crisis 13:45–15:27 - Infinite Banking and building a tier-one foundation 15:27–17:43 - Why government contracting didn't align with his mission 17:43–19:32 - The turning point conversation with Patrick Donahoe 19:32–21:05 - Helping business owners scale their agency 21:05–23:12 - Wealth as fuel for impact — not status 23:12–End - Business ownership as a megaphone for your God-given talents  

Summary  Curtis sits down with Joey Mure (Wealth Without Wall Street) to talk straight about what financial freedom really is and why most people never reach it. Joey breaks down the mindset shift away from "retirement someday" toward building enough passive income to cover monthly expenses so you own your calendar today. From there, the conversation goes tactical: why your cash flow system must change, how Infinite Banking becomes the most efficient "parking and leverage" tool, and why the real missing piece is becoming an investor—not just being a saver. They also dismantle the myth that being debt-free equals freedom, explain why you can never "pay off the cost of living," and highlight the two biggest bottlenecks that stop people: thinking differently and fear of investing. Joey shares real examples of alternative cash-flow assets (including land flipping partnerships, private lending, and small "operator-run" deals like Turo) and how stacking repeatable wins is what builds momentum. What you'll learn Joey's definition of financial freedom (passive income > expenses = owning your calendar) Why "retirement" is a broken model—and why freedom is a today goal The simple test for whether your money supports freedom: Does it increase passive income or reduce a monthly expense? Why a 401(k) often delays financial freedom (not income-producing today) Infinite Banking as a foundational asset (great tool, not the finish line) Why "Become Your Own Banker" really implies "become an investor" Why debt freedom isn't freedom—and why you can't pay off the cost of living The top two bottlenecks: mindset + fear (no confidence, no repeatable investing process) Joey's favorite cash-flow plays and why operator-run deals can be powerful -How to stack passive income in repeatable steps (first $500/month, then scale) -Resources mentioned / concepts to explore -Wealth Without Wall Street community + monthly Passive Income Report -Infinite Banking / Becoming Your Own Banker -Rich Dad Poor Dad framework (cash-flowing assets vs accumulation) -Alternative cash-flow assets: land flipping partnerships, private notes, Turo rentals, vending   Episode Highlights 01:02 - Reeducating about financial freedom. 05:37 - Creating passive income today. 09:13 - The infinite banking foundation. 15:48 - Transition to becoming an investor. 19:26 - Bottlenecks in financial transition. 25:00 - Land flipping success story. 31:15 - Business ownership vs. job ownership. 35:10 - Being a steward of resources. 40:25 - Breaking limiting beliefs for financial freedom. 50:10 - Financial freedom as a process. 52:30 - Spiritual freedom and stewardship.   Episode Resources Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com The Practical Wealth Show with Curtis May Joey  Mure Guest Emailjoey@wealthwithoutwallstreet.com Additional guest information Co owner and Host at Wealth Without Wallstreet joey@wealthwithoutwallstreet.com (205) 236-0075   Keywords Practical Wealth Show Joey Mure Wealth Without Wall Street financial freedom reeducate business owners passive income financial independence cashflow system Investing alternatives mindset shift Rich Dad Poor Dad retirement Nelson Nash infinite banking alternative assets become an investor passive income operating system debt freedom constructive debt destructive debt land flipping private loans TURO vending machine business Robert Kiyosaki E-Myth stewardship faith-based financial approach  

If you have questions about Infinite Banking or Whole Life Insurance, this is the perfect episode for you. We go through a bunch of specific questions on Infinite Banking, Whole Life Insurance, Financial Strategies and the like; answering the questions in lots of detail. Resources for this episode are here:  Gracine's video on single premium policies: https://www.youtube.com/watch?v=POTBDjFA6yE&t=1s Tom's video on 2 ways to pay property taxes: https://www.youtube.com/watch?v=1lPmv8TPWEI

Learn how to uplevel your infinite banking from 1.0 to 3.0. Caleb Guilliams sits down with Barry Brooksy, a financial advisor from @InsuranceandEstates , and the author of Live Rich, Die Rich. They walk through the correct type of life insurance policy needed for infinite banking and the exact reasons you should utilize your whole life insurance as a private bank, not only for building wealth while you're alive but leaving generational wealth for years to come. Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Read Barry's Book: https://a.co/d/0209kpOi ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

The Interview Series #41: Will FullingtonIn this episode of the Interview Series I speak with Will Fullington. Will is a husband, father, active service member, Infinite Banker and an Authorized IBC Practitioner. We had a great conversation around his family life, military career, Infinite Banking, church, personal finance and where he's at now as a professional helping people reform their finances. I hope you enjoy our conversation, learn and apply!To contact Will:Website: reformedfinance.netEmail: re4medfinance@gmail.comPhone:  702-527-1776⚔️ “LIVE & LEAVE A LASTING LEGACY”

In this video, Caleb Guilliams and Alden Armstrong review infinite banking with One America Life Insurance Company. What are the best policy designs for Infinite Banking, as well as breaking down the company's COMDEX ratings, dividend performance, pros and cons, and more! Want the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guide Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Learn More About BetterWealth: https://betterwealth.com 00:00 Introduction and Company Overview 02:35 Financial Strength and Performance 06:33 One America Positioning for IBC 08:52 Whole Life 95 - Cash Flow Design 15:45 Whole Life 95 - Front Load Design 21:03 Access to Cash Value and Loans 22:45 PUA Flexibility 25:51 Long-Term Care Rider 27:26 Advantages and Considerations 32:28 Agent Overview 34:29 Conclusion ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEThis episode dismantles the top seven objections one by one. We're answering them directly and showing why most criticisms reveal a fundamental misunderstanding of what whole life insurance actually is. If you've ever hesitated to explore IBC because something you read online gave you pause, this is the episode for you.Chapters: 00:00 – Opening segment 07:40 – Objection 1: Whole life is a terrible investment 15:45 – Objection 2: The rate of return is terrible 26:35 – Objection 3: You don't break even for years 34:45 – Objections 4 & 5: Why pay interest to borrow my own money? 45:25 – Objection 6: Agents make huge commissions 57:50 – Objection 7: This only works if you're rich 1:02:05 – Closing segmentKey Takeaways:It's not an investment—it's savings. Whole life has no risk of loss, which by definition means it's not an investment. It's a savings vehicle with guarantees, privacy, and a death benefit. Stop comparing it to the S&P 500.Rate of return isn't the only metric. The best-performing asset changes depending on your timeframe. Chasing returns is how people buy high and sell low. Wealthy investors prioritize control, understanding, and risk management before rate of return.Policy loans aren't "borrowing your own money." You're borrowing the insurance company's money, collateralized by your cash value. Your money keeps compounding. That's the entire point.Commissions aren't the gotcha people think. If agents wanted easy money, they'd get a securities license and collect 1% AUM fees for life. Whole life is harder to sell and pays less over time than traditional financial advising.Is Infinite Banking a scam? If you've spent five minutes researching IBC online, you've seen the accusations. These objections are everywhere—YouTube comments, Reddit threads, Dave Ramsey clips. They sound convincing. They're also wrong.

In this seventh installment, James shares a collection of clips focused on using whole life insurance within real estate investing. He highlights how policy loans provide speed, flexibility, and access to capital for acquisitions, down payments, and opportunity driven deals when traditional lenders pull back. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

What does it take to create consistent passive income that supports your dream life? In this episode, Russ and Joey break down the four critical lessons they learned from earning $500,000 in passive income over the last year. They discuss the best and worst investment decisions they made in 2025, how they optimized their strategies to maximize cash flow, and common mistakes to avoid on the path to financial freedom.As you listen, you will gain insight into the importance of strategically planning passive income sources and how to leverage investment vehicles such as real estate and Infinite Banking to build wealth over time. Russ and Joey also share candid lessons from their journey, highlighting what they would do differently and what they would keep the same.Top three things you will learn: -How to avoid lazy dollars and optimize cash flow -Real estate and Infinite Banking as tools for building wealth-The importance of building systems and consistent execution in achieving financial goalsDecember 2025 Income At-A-Glance: -Gross Income for December: $51,816.61-Total Expenses for December: $16,584.06-Total Net Profit for December: $35,232.55-Difference b/t November & December: ($5,796.35)-% of net profit to overall gross revenue: 68%Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.

In today's episode at You Can Overcome Anything! Podcast Show, CesarRespino.com brings to you a special guest with an entire life of experience.Eleanor "Dr. Renee " Rodriguez, The Purpose Pusher, is a lifelong learner and educator. Her experiences range from substitute teacher to superintendent of schools. Her passion for helping others has afforded her opportunities to consult in 48 of 50 states and abroad. She released her childhood trauma in the 16th Volume of YCOA When you Refuse to Give Up, chapter entitled From Pain to Purpose. Educationally, she is prepared to serve, with a B.S., M.S., and Ed.S., in elementary, special and urban education and an earned Ph.D. in the superintendency and educational administration. Her purpose is being fulfilled through service. She was born and raised in Omaha, NE and currently a resident of Hampton, VA.Dr. Renee Rodriguez message to you is:Healing takes work, and it does not happen in isolation. The FETCO Method and the 5 P's served as my tools for renewal and constant improvement.To connet with Dr. Renee Rodriguez go to:Www.atimeforpeac3e.com Eleanor Renee Rodriguez, on FB, Instagram and LinkedInTo Connect with CesarRespino go to:

Did you know that infinite banking isn't technically an investment? So why are investors flocking to it? In today's conversation, the dream team of financial coaches breaks down the Infinite Banking Concept (IBC) and why it's one of the best wealth-building tools available to investors. The coaches explore how IBC helps investors leverage their money for growth, the key differences between traditional investing methods like real estate, and why it's often misunderstood. They also discuss the core principles behind IBC and how successful investors use it to enhance their financial strategies without relying on traditional investment vehicles. Whether you're a seasoned investor or just starting out, understanding how IBC works and how to implement it in your wealth strategy can unlock new opportunities and build lasting financial freedom.If you've ever wondered whether IBC is right for you, this episode offers the insights you need to make an informed decision.Top three things you will learn:-The true role of infinite banking in building wealth-How infinite banking complements traditional investments-Maximizing cash flow and flexibility through infinite bankingDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.

This episode breaks the usual format in a way that matters. Instead of Jim leading the conversation, longtime Breakaway Wealth community member Nathan Mooney flips the roles and puts Jim on the hot seat. They explore why Infinite Banking has its greatest strategic impact early in a career, how to think through multiple policies without creating financial strain, how to structure policy gifting within a family, and how biblical principles of stewardship, inheritance, and responsibility connect directly to ownership and legacy. What You'll Learn The real trade-offs of starting multiple policies — and how to avoid overextending yourself How Infinite Banking fits biblical principles of stewardship, legacy, and inheritance Why real wealth lives in ownership and control, not accumulation and consumption Action Steps Start Your Banking System Early If You Can Even small policies started early create options, confidence, and control later. Design for No Failure Never build a strategy that depends on perfect income or perfect markets. Think Ownership First Shift your mindset from saving money to controlling cash flow and decisions. Nathan's Final Word "When you understand how this system feeds into your life, it stops being about finance and starts being about freedom."

Ready to build freedom faster? Join the Ditch Wall Street: Build Freedom Faster with Vending, Real Estate & Infinite Banking Masterclass on February 10, 2026 (1:00–4:00 PM CT). Learn from Anthony Faso & Cameron Christiansen, Mike Hoffmann, and Dustin Heiner.

Thomas Cox was this week's guest on Success Profiies Radio. He is the owner of Cox Capital and host of the Owners Table podcast. He helps business owners, real estate investors, and high-income earners deploy millions of dollars through private money lending and Infinite Banking strategies that build wealth, reduce taxes, finance growth, and protect capital. We talked about why some people are wealthy and others aren't, developing a mindset for wealth, what wealthy people do differently than everyone else, and why some families lose their wealth within two generations. In addition, we discussed how you can become your own bank through the Infinite Banking Concept (IBC), how it is used by the wealthy to fund real estate and business ventures, how it can minimize taxation, client success stories, and much more. You can subscribe and listen to the show on Apple Podcasts/iTunes, Spotify, Audible, Amazon, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/

What happens when everyone expects someone else to pick up the bill? From a nightmare condo sale to health insurance chaos, this episode is a raw, unfiltered wake-up call on personal responsibility, money, and self-reliance. In this episode, Mary Jo shares a months-long real estate saga that exposed a deeper issue she's seeing everywhere—from first-time homebuyers and realtors, to health insurance, escrow accounts, and even parenting adult children. The common theme? Too many people are handing off responsibility—and expecting others to pay the price. This episode isn't about being harsh. It's about understanding how money actually works, why Infinite Banking is rooted in self-responsibility, and why depending on systems, banks, or government programs can leave you vulnerable. Key Takeaways: Why buyers asking for everything is a dangerous financial mindset How escrow accounts and employer benefits disconnect you from reality The real cost of "someone else will handle it" Why self-insurance and Infinite Banking go hand in hand What parents should (and shouldn't) subsidize for adult kids Chapters: (00:00) – A 20-Year-Old, Sourdough Bread, and Rent Reality (01:25) – The Condo Sale From Hell (04:10) – Buyers, Realtors, and Zero Accountability (09:20) – When You Can't Afford Repairs, You Can't Afford the House (16:45) – Health Insurance, Escrow, and Giving Up Control (21:45) – Generational Expectations & Entitlement (27:50) – Infinite Banking = Self-Responsibility If this episode made you uncomfortable, you probably needed it. Subscribe for more real conversations about money. Share this with someone who needs a reality check. Leave a comment (respectful ones get read). Links & Resources Mentioned: Get the book: https://farmingwithoutthebank.com... Email Mary Jo: maryjo@withoutthebank.com

In this sixth installment, James shares a collection of clips focused on using whole life insurance for equipment financing. He highlights real-world examples of acquiring assets with policy loans, emphasizing control, access to capital, and long-term flexibility over traditional financing. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

What if two people saved the exact same amount of money... but one retired with nearly $900,000 more than the other? The difference wasn't discipline — it was where the money lived. In this episode of Without the Bank, we break down one of the most powerful chapters from Becoming Your Own Banker: The Twin Sister Example. Using Nelson Nash's comparison between CDs and Infinite Banking, we examine how capitalization, dividends, and ownership significantly impact long-term outcomes. We also tackle one of the most misunderstood — and ignored — components of Infinite Banking: the death benefit. Many people focus only on early cash value, but real banking strategies account for protection, longevity, and uninterrupted compounding. If you've ever wondered why Infinite Banking outperforms traditional savings, CDs, and even "paying cash," this episode connects the dots. Key Takeaways: Why capitalization is unavoidable — no matter how you finance purchases How leasing, bank loans, cash, CDs, and Infinite Banking really compare The hidden cost of "paying cash" and sinking funds Why the death benefit is not a downside — it's a bonus How ownership and dividends change retirement income forever Why Infinite Banking allows income without running out of money Chapters: (00:00) – Why the death benefit matters more than people think (01:09) – Why starting small beats radical lifestyle changes (02:25) – Comparing car financing: lease, bank, cash, CD, IBC (08:38) – CDs vs Infinite Banking: the Twin Sister example (12:55) – Why dividends change everything long-term (16:13) – Retirement income: why one sister runs out and the other doesn't (27:32) – The two rules of Infinite Banking you must follow Get Started: Ready to build your own banking system? Email: maryjo@withoutthebank.com Email: tarisa@withoutthebank.com Grab your copy of Becoming Your Own Banker: https://www.withoutthebank.com/shop... Schedule an appointment and start beating Parkinson's Law today!

On this episode we are discussing an article written by the White Coat Investor on Infinite Banking. The article is called 7 truths on Infinite Banking / Bank On Yourself.  In this episode: Who is The White Coat Investor?  Are the 7 "truths" of this article accurate? ... We discuss each of them today.  Is The White Coat Investor consistent?  Clarity on some confusion around infinite banking and whole life insurance  Direct vs Non Direct recognition.  What is an Infinite Banking Policy?  Link to Tom McFie's article on the White Coat Investor: https://mcfieinsurance.com/white-coat-investor/?utm_source=YouTube&utm_medium=link&utm_campaign=podcast&utm_content=558 Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA== Facebook: https://www.facebook.com/profile.php?id=61554798231074 Listen to the Wealth Talks Podcast on: Apple Podcasts: https://podcasts.apple.com/gb/podcast/wealth-talks/id978187163 Spotify: https://open.spotify.com/show/7MOugefeGkTl5jdkhYdjvQ?si=80ce9359d8e54cc8

Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintIn this deep-dive episode of In The Lab, Ruben welcomes back Brent Kesler — creator of The Money Multiplier Method and returning guest from Episode 138 (2021). Four years later, Brent returns with even more clarity, more proof, and more real-world examples of how infinite banking can transform the way entrepreneurs, investors, and families build wealth. Now holding over 30 policies personally, Brent breaks down exactly how he uses IBC to fund real estate, pay off debt, move money through private lending, and build generational wealth inside properly structured trusts. Brent not only does this himself but he's empowered thousands of entrepreneurs to use this vehicle including yours truly — Ruben Kanya. Brent explains why most people misunderstand whole life insurance, how wealthy families have used these strategies for over 200 years, and why “becoming your own banker” gives you control banks never will. He also unpacks the mechanics behind policy design, how to access capital tax-free, why death benefit matters less than cash value, and how to integrate IBC with real estate, business operations, and multi-policy ecosystems.Throughout the conversation, Ruben and Brent explore advanced strategies — from infinite wealth loops to family banking structures, premium flow sequencing, private lending arbitrage, and legacy planning. Brent also shares what's changed since 2021, why more sophisticated investors are now using IBC, and how anyone can start regardless of income level.Tune in now to learn how to take control of your capital, build a long-term wealth engine, and design a financial system that compounds for generations.HIGHLIGHTS OF THE EPISODE:19:08 Brent talks about how entrepreneurs stay broke by bleeding interest instead of building systems.53:03 Brent talk about using policy loans instead of withdrawingKEEPING IT REAL:06:44 – Infinite Banking 101 10:58 – How wealthy families use IBC15:36 – Brent's $984K debt payoff journey19:22 – Cash value explained clearly23:41 – Why whole life (not term or IUL)28:55 – Understanding policy design & funding34:47 – Borrowing against your policy40:12 – Real estate examples using IBC45:58 – Arbitrage, spreads & recycling dollars51:33 – How entrepreneurs misuse debt56:09 – Avoiding policy design mistakes1:02:44 – Using IBC inside partnerships1:08:15 – Trusts, legacy planning & structure1:14:50 – When not to use IBC1:20:18 – Brent's 2026 wealth playbook1:28:07 – Final advice for long-term thinkersCONNECT WITH THE GUESTWebsite: https://themoneymultiplier.com/brent-keslerLinkedin: https://www.linkedin.com/in/thebrentkesler/Instagram: https://www.instagram.com/the.money.multiplier/#InfiniteBanking #IBCStrategy #WealthBuilding #CashFlowBanking #RealEstateInvesting #EntrepreneurMindset #FinancialFreedom #MoneyMastery #WealthCreation #ExperimentNation

Most people are taught to save, invest in a 401(k), and hope it all works out in retirement. But what if that system isn't designed to give you control when you need it most? For many in midlife, rising debt, taxes, and long-term care costs expose the cracks in traditional financial planning. That's why today's guest matters.We're joined by Brent Kesler, founder of The Money Multiplier, to break down an alternative approach to building and using wealth. Brent shares how he went from nearly $1 million in debt to debt-free in just over three years by rethinking cash flow, private family banking, and dividend-paying whole life insurance. He explains how this strategy can be used to pay off debt, invest in real estate, fund retirement, and maintain control of your money — without relying solely on Wall Street or traditional retirement accounts.My website with more Medicare resources, books, courses, and more: https://prepareformedicare.comI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.comThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

Stop watching inflation melt your hard-earned saving efforts in a stagnant bank account. In this episode, we provide deep economic insights into why traditional savings are a guaranteed loss of purchasing power and how you can pivot toward true wealth building. We explore alternative strategies like the Infinite Banking Concept, demonstrating how capitalizing your own private reserve through dividend-paying whole life insurance creates a "financial cooler" for your assets. By mastering these financial concepts, you can achieve consistent financial growth and take back control of your legacy from traditional institutions.00:00 The Ice Analogy: Saving Money03:07 The Reality of Bank Savings and Inflation04:11 Understanding Traditional Savings vs. Capitalizing08:05 The Impact of Inflation on Wealth11:15 The Role of Money Supply in Inflation16:21 Navigating Financial Headwinds with IBC18:32 The Benefits of Dividend-Paying Whole Life Insurance25:06 Challenging Conventional Financial Wisdom31:49 The Power of Early CapitalizationAbout your hosts: https://www.thewealthwarehousepodcast.com/David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Catch up with David and Paul, visit the links below!https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email us!davidandpaul@theibcguys.com

Is infinite banking with Mass Mutual a good company for infinite banking? In this video, Caleb Guilliams and Alden Armstrong review Mass Mutual Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more! Want the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In today's Banking With Life Q&A, James answers questions such as, “Does a high policy loan interest rate break IBC®?”, “Does Infinite Banking actually solve fractional reserve banking?”, and “If all money eventually passes through banks, what does ‘controlling the banking function' really mean?” As always, we hope you enjoy and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Most people are taught to buy term insurance and invest the rest—but what if that advice is based on a massive misunderstanding of how life insurance actually works? In this episode, we break down why dividend-paying whole life insurance is fundamentally misclassified, how insurance companies really make money, and why Nelson Nash believed banking, not investing, was the missing piece. In WTB Episode 253, we continue our deep dive into Becoming Your Own Banker by Nelson Nash, focusing on mortality tables, underwriting, modified endowment contracts (MECs), and why whole life insurance behaves more like a banking system than an insurance product. We explore: Why term insurance is incredibly profitable for insurance companies How underwriting selects for people who actually live longer Why retirement at 65 was built on a flawed assumption How MEC rules really work (and why they're not the end of the world) Why universal life, variable life, and indexed UL fail long-term How to properly structure a whole life policy for Infinite Banking If you've ever been told "whole life is bad," this episode explains where that belief came from—and why it persists. Key Takeaways: Death is not an if—it's a when, and insurance should be structured accordingly Term insurance is statistically designed not to pay out Responsible, underwritten individuals live longer—and insurers know it Whole life insurance is misclassified, leading to bad financial decisions Infinite Banking works best when cash value is prioritized over death benefit MEC policies aren't catastrophic—but understanding the rules matters Chapters: (00:00) – Why the insurance industry misunderstands its own products (05:50) – Mortality tables, underwriting, and who actually lives longer (10:52) – Retirement at 65 and the Social Security fallacy (18:03) – MEC rules, overfunding, and policy design explained (31:27) – Why universal, variable, and indexed life insurance fail (39:21) – Why Infinite Banking is caught, not taught

What's the best way to design an infinite banking policy? In this video, Brent Kesler, founder of The Money Multiplier, joins Caleb Guilliams to break down whole life insurance designs for infinite banking, specifically comparing 40/60 vs 80/20 policy structures and Nelson Nash's original intentions. The discussion also includes a debate on term riders, when they help, when they hurt, and how they affect infinite banking strategies over time. Watch the First Interview with Brent where he explains how he paid off $1M in debt in 2 years - https://youtu.be/cHTmpSU-nzQ Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Introduction 01:50 Infinite Banking and Debt Payoff Strategy 02:07 Changes to Infinite Banking 03:30 The "Nelson Plan" (40/60) 04:12 Policy Design Philosophy: Base, PUA, and Term Riders 05:01 Long-Term Efficiency and Base Premium 05:57 MEC Limit and Term Riders 06:59 Base, PUA, and Term Riders Definitions 12:00 Higher Base vs. More PUA 18:25 Flexibility in PUA Riders 19:19 Starting Additional Policies 20:40 Rule of Maximizing Current Policies 23:07 Adjusting Premiums on Multiple Policies 27:19 Minimum Premium and Income Ratio 28:34 The "10 Times Your Age" Rule 29:27 Tax Liability 35:46 Death Benefit, Rate of Return, and Financial Mindset 38:03 Internal Rate of Return (3.5% to 5%) 39:45 Actual Rate of Return vs. Average Rate of Return 42:28 The Value of Convertible Term Insurance 43:36 Human Life Value vs. Starting Small Whole Life Policy 47:14 Life Insurance as the Only Guaranteed Payout Insurance 48:53 Buying Cars and Using Other People's Money 49:18 Separating Policy Growth 51:54 Using Bank's Money for Investments 54:34 Danger of Using Banks if Undisciplined ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Chris Naugle ( @TheChrisNaugle ) & Caleb Guilliams go head-to-head debating whether you should borrow against your whole life insurance policy to purchase cars and other liabilities. They disagree over the math and opportunity cost, as well as comparing their philosophies behind their positions. Watch the full interview: https://youtu.be/m2goBXyB27M Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 - Introduction 00:18 - Why Use IBC for Cars? 01:35 - Calculating the Cost of Financing vs. IBC 02:24 - Negotiating a Car Price While Using IBC 03:35 - Dealerships Making Money on Financing 04:20 - IBC is a Process 06:06 - Volume vs. Rate 06:34 - The 4% Loan vs. 6% Policy Loan Scenario 07:38 - Chris Disagrees and Explains the APR 09:35 - Modeling the Math (Chris vs. Caleb) 10:48 - Paying Back the Policy at the Bank's Rate 12:33 - Loan Repayment vs. New Premium 13:28 - Opportunity Cost and Capital 15:07 - Disagreement on the Logic 16:24 - Personal Preference for Moving Capital 18:57 - An Alternative Strategy (Leasing and Reinvesting) 20:24 - Consistency in Teaching Money Concepts ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Many people believe their success with Infinite Banking hinges on choosing the perfect insurance company. In today's discussion, the financial coaches challenge that assumption head-on and explain why it's usually the wrong place to focus.The conversation breaks down a critical truth about Infinite Banking. The coaches explain why no policy, carrier, or illustration can replace disciplined cash-flow management, investor behavior, and intentional decision-making. Without those fundamentals, even a well-designed policy falls short of its potential.Listeners will hear real-world examples showing how access to cash, personal involvement, and repeatable systems matter far more than carrier selection. The conversation also highlights common mistakes people make when starting to implement the infinite banking concept.Ultimately, this episode reframes Infinite Banking as a long-term operating system for building passive income and legacy wealth. For investors seeking clarity, control, and scalability, this conversation outlines which actions drive results.Top three things you will learn:-Infinite banking success is driven by cash flow, behavior, and process, not the insurance company-Systems and consistent execution matter more than choosing the “perfect” product-The biggest mistakes that quietly sabotage infinite banking and how to prevent themDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.