Podcasts about infinite banking

In this fifth installment, James shares a collection of clips that explain how dividends work inside whole life insurance. He highlights the role of mutual companies, the importance of long term thinking, and how dividends support cash value growth and policy performance. 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.

This episode of You Can overcome Anything! Podcast Show, CesarRespino.com brings to you a special guest by the name of Ephraim Ebstein.Ephraim Ebstein is a $30M entrepreneur, IT strategist, and AI integrator who helps business leaders transform tech headaches into growth engines. As the founder and CEO of FIT Solutions, Ephraim built two national companies from the ground up and now advises organizations on scaling smarter, deploying AI to boost performance, and avoiding costly cybersecurity mistakes. Known for breaking down complex systems into clear, actionable strategies, Ephraim delivers real-world insights that drive results—whether you're navigating digital transformation, building a high-performing culture, or protecting your business in today's threat landscape.Ephriam Ebstein message to you is:"Your biggest challenges can be your greatest opportunities—if you face them head-on."I want listeners to walk away knowing that obstacles aren't stop signs; they're signals to innovate, adapt, and push forward. With the right mindset and strategy, you can turn even the toughest situations into the foundation for your next breakthrough.To Connect with Ephraim Ebstein go to: on Instagram @kingspear and on LinkedIn under Ephraim EbsteinTo Connect with CesarRespino go to:

Agents Review the Penn Mutual Life Insurance Company for Infinite Banking. We break down the companies COMDEX ratings, dividend performance, best policy designs and more!00:00 Introduction00:20 All About Penn Mutual01:50 Penn Mutual: A Legacy of Stability02:13 Financial Strength & Performance05:42 IBC Positioning08:05 Policy Illustrations: Highlights & Real Numbers10:01 Cashflow14:24 Frontload Policy Design18:05 Access to Cash Value19:30 PUA Flexibility22:20 Direct Recognition25:21 Application System27:59 Things You Need to Know about Penn Mutual29:12 Advantages of Penn Mutual30:18 What to Consider?32:31 What is the Agent's Perspective?34:23 Conclusion36:40 Next StepsWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant the IBC Company Guide Book? Click Here: bttr.ly/ibc-guide_________________________________ 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.

What happens when your dream business nearly destroys you, and then teaches you everything you needed to know about money?   We don't usually talk about this. The early days. The subway rides hauling coffee beans across Chicago. The polar vortex brought us to the edge of bankruptcy. The moment we realized we'd been doing money completely wrong.   But Perry asked us to get real. So we did.   In Part 1 of this two-part conversation, we're pulling back the curtain on our entrepreneurial journey, from bootstrapping a coffee shop with zero financial backing to discovering the principles that would eventually reshape how we help business owners build wealth.   You'll hear: Why we delivered coffee beans on the subway before our shop even opened (and what that taught us about building a business with no money) The brutal wake-up call that came during a Chicago polar vortex—and the single lesson that saved everything What our financial planner told us contradicted everything we thought we knew about "saving for retirement." The three things every entrepreneur needs to survive (hint: passion isn't enough) Why we were told we were "too entrepreneurial" to get hired and how that rejection became our biggest opportunity   Key Quote: "We were naive about how hard it would be. But that naivety is also what kept us going when smarter people would have quit."   This isn't a polished success story. It's the real version—the good, the bad, and the ramen. If you've ever wondered whether you're cut out for this entrepreneur thing, or if you're doing money all wrong, this one's for you.   Coming next week: Part 2 dives into what's broken in the financial planning world and how we're using Profit First, Infinite Banking, and AI to help business owners build wealth differently.   Resources mentioned: Find Your Flow Quiz — 10 questions to discover your financial personality Financial Nervous System Diagnostic — A deeper 54-question assessment Get more info about Perry Marshall's Roundtable here. Profit Planning Network 2026 — Join our community of business owners building profitability and wealth   00:00 Introduction 00:45 The Coffee Shop Dream 03:20 Bootstrapping with Nothing 06:15 The Polar Vortex Wake-Up Call 09:30 Discovering Liquidity Over Retirement 11:45 The Three Things Every Entrepreneur Needs 13:00 Preview of Part 2   Watch on YouTube: https://youtu.be/bC5j2xh8y_g 

You've probably heard that Indexed Universal Life (IUL) is an excellent tool for building wealth, but is it really the best option for Infinite Banking? In this episode, the financial coaches dive into why Indexed Universal Life (IUL) may not be the best tool for your financial freedom, despite what your financial advisor might have told you. The coaches explore the complexities of IULs and why they can be riskier than whole life insurance, especially for those looking to build wealth predictably. They also break down the history of these products, how they differ from whole life insurance, and why they might not align with the principles of Infinite Banking. If you're looking to secure your financial future and avoid costly mistakes, listen in to discover safer, more predictable strategies that can help you achieve true financial freedom.Top three things you will learn:-Why IUL (Indexed Universal Life) is not a good fit for IBC-The hidden costs and fees associated with IUL policies-More effective strategies for leveraging whole life insurance for wealth creation and financial freedom 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 epidsode at You Can Overcome Anything! Podcast Show, CesarRespino.com brings to you two speical guest.Bobby Layne Giblaint and Tracy Boone both have incredible stories of overcoming unimaginable obstacles. Bobby was raised on the “other side of the tracks” and made some life choices that led down a road of addiction, but God miraculously saved his life. Through it all Bobby was called into a full-time ministry and he touches countless lives with the messages God has given him to speak. Tracy likewise has a story of tragically losing her husband when their son was only 6. She has spent the last decade leaving a lasting impact and changing lives everywhere she goes. God led her to develop a unique ministry where she coaches people using horses in a way that strengthens their relationship with God in a real way. After what she and her son experienced, she wants everyone to know they are never alone, that God is there in a real tangible way.Their message to you is:"You are not alone and there is hope and healing through having a real and lasting relationship with Jesus."To Connect with Bobby and Tracy go to:angelsinthearena.comTo Connect with CesarRespino go to:

Get ready to elevate your passive income strategy! Join us for the Beyond the Bank: Land Investing, Debt Funds, and IBC for Smart Passive Income Triple Play Masterclass on Dec 10, 2025 (1:00–4:00 PM CT). Learn from industry experts Anthony Faso & Cameron Christiansen, Justin Sliva, and Whitney Elkins-Hutten as they reveal how to leverage Land Investing, Debt Funds, and Infinite Banking for a winning investment strategy.

Visit our website:https://www.thewealthwarehousepodcast.com/Dave and Paul celebrate episode 200 by riffing on Covey's “7 Habits” and translating them into practical, IBC moves. They discuss each of the “7 Habits” and double click on some big x-factors, like consistency, sequencing cash, win-win thinking, and ‘sharpening the saw'. Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:41 - Episode beginning5:22 - 7 Habits of Highly Effective People6:06 - #1: Be Proactive10:11 - #2: Begin With The End In Mind14:26 - #3: Pay Yourself First18:00 - #4: Think Win-Win20:26 - #5: Seek To Understand24:29 - #6: Synergize28:44 - #7: Sharpen the Saw32:38 - Episode wrap-upABOUT YOUR HOSTS: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 M.A. 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.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website:https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time.Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progression from Saver to Wealth Builder to Business Banker to Infinite Banker, and explains why defining success is the only way to stop chasing "more" forever.The conventional approach to money says sacrifice now, maybe live on rice and beans, and hope for abundance at 65. The infinite banking model allows you to live in abundance now while building exponentially greater wealth for future generations—but only if you understand what stage you're in and where you're actually going.Chapters: 00:00 - Opening segment03:40 - Why most life insurance is just a drawer document04:50 - Stage One: The Saver (financial education, awareness, saving strategy)06:30 - Why getting the policy doesn't make you proficient08:00 - Stage Two: The Wealth Builder (adding debt strategy and investing strategy)11:15 - Understanding policy loan mechanics and efficient cash flow capture12:00 - Multiple uses of your dollar: saving and debt repayment simultaneously12:35 - Stage Three: The Business Banker (comprehensive integration)14:00 - Raising deductibles and optimizing cash flow across all insurance16:05 - Asset protection and trust structures17:35 - The synergistic effect when investing strategies tie back into the system18:00 - Stage Four: The Infinite Banker (maximum control and financial freedom)18:25 - Jason Lowe's family with 77 policies financing nothing through banks20:05 - The five areas of life: spiritual, personal, family, financial, occupation22:35 - Hans's financial goals: zero budget on health/longevity and slow travel24:30 - Why you need to get comfortable with material goals26:00 - Finance as the area that spreads across everything else27:35 - Even a simple quiet life requires getting financial loose ends tied up29:10 - Leaving disorder vs leaving a legacy31:30 - Identifying which stage you're in and continuously optimizing32:25 - Recap of the four stages32:35 - Contrasting with the conventional "no control" financial planning model34:40 - Closing thoughts Key Takeaways:Stage One - The Saver: Getting the policy in place with financial education, awareness, and a saving strategy. Understanding why you have a term rider, what your MEC limit is, and the basic structure. Many clients can't fully explain these elements a year after purchase—that's normal, but it means you're still at Stage One.Stage Two - The Wealth Builder: Adding debt strategy and investing strategy on top of the whole life chassis. Using policy loans efficiently, understanding being your own banker, and making your dollars work in multiple places simultaneously. Most Remnant Finance clients are here.Stage Three - The Business Banker: Treating family cash flow like a business. Comprehensive integration of cash flow management, optimized insurance strategies (raising deductibles to maximize inflows), asset protection, and trust structures. The synergistic effect where investments flow back into the entire system.Stage Four - The Infinite Banker: True financial freedom with maximum control over your entire financial life. Multi-generational legacy where the next generation understands and participates. 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 SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

In this fourth installment, James shares a collection of clips focused on policy loans and how they work in real life. He highlights how access to capital, disciplined loan repayment, and the policy owner's actions ultimately drive performance and support long-term financial control. 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.

In this episode of Cashflow Legendz, Nate and Brock dive into one of the most pivotal sections of Nelson Nash's Becoming Your Own Banker—Equipment Financing, Part One (pages 51–53). This chapter unpacks the real power behind the Infinite Banking Concept, and Nelson Nash makes one message crystal clear: you must capitalize your system if you want the benefits of financially controlling your life. Nate and Brock highlight how this section shows that without proper capitalization, there is no system, because banking is impossible without capital, whether you're using someone else's or your own. They discuss:

Most people assume you need $20 million, a bank charter, a building, employees, and 10 years before a bank ever makes a profit.  But Nelson Nash reveals a far simpler way to create your own banking system, one that's been quietly working for over 200 years.

In today's episode of You Can Overcome Anything! Podcast Show, CesarRespino.com brings to you a special guest.Kelly Salmons is a visionary entrepreneur, educator, published author, and former Naval Officer who now dedicates her life to helping women thrive in their next chapter through The Nest Evolution. After decades of leadership in the military, education, wellness, and real estate sectors, Kelly realized the empty nest isn't an ending, but a powerful new beginning.As founder of The Nest Evolution, she helps women reclaim their identity, embrace purpose, and design joyful, meaningful lives beyond motherhood through retreats, coaching, and a supportive sisterhood. She is a contributing author in You Can Overcome Anything! When You Refuse to Give Up.Kelly holds a B.S. in Oceanography from the U.S. Naval Academy and a Master's in Education with a STEM emphasis. She lives in Naples, FL with her husband David, their two amazing daughters, and two big lovable dogs. Kelly believes midlife isn't a crisis, it's a calling.Kelly Salmons' message to you is:Move forward every day. Take the action. It doesn't have to be perfect, just take the action, even if it is small.To Connect with Kelly Salmons go to:Website: www.thenestevolution.comEmail: support@yournestevolution.comFacebook: www.facebook.com/emptynestevolutionInstagram: www.instagram.com/emptynestevoLinkedIn: www.linkedin.com/in/kellyhsalmonsTo Connect with CesarRespino go to:

In today's podcast episode at You Can Overcome Anything! Podcast Show, CesarRespino.com brings to you a special guest.Pankaj Singh is the founder of Singh Leadership and co-founder of VISOR Analytics. He helps high-performing leaders transform burnout and stress into clarity, confidence, and aligned leadership through frameworks like the Purpose Factor®, Inner Compass Journey™, and Mindful Pivot™. On the enterprise side, VISOR Analytics uses its CODE™ and Conscious Data Frameworks™, alongside the Telligro platform, to help organizations streamline operations, automate complex processes, and build clarity-first transformation systems. His unique perspective blends personal leadership transformation with enterprise-level operational intelligence.Pankaj Singh message to you is:Clarity is your greatest asset. Stress isn't the enemy—it's a signal. If you learn to pivot mindfully, you can turn that pressure into purpose and lead with alignment, not burnout.To Connect with Pankaj Singh go to:https://www.singhleadership.com/https://www.linkedin.com/in/pankaj-singh-singhleadership/To Connect with CesarRespino go to:

How do you get a large amount of money into an Infinite Banking Policy? We go over the details on this episode. This episode follows the story of one of our real estate clients who came to us for an infinite banking policy. Listen along and learn from this real life scenario.

Get ready to elevate your passive income strategy! Join us for the Beyond the Bank: Land Investing, Debt Funds, and IBC for Smart Passive Income Triple Play Masterclass on Dec 10, 2025 (1:00–4:00 PM CT). Learn from industry experts Anthony Faso & Cameron Christiansen, Justin Sliva, and Whitney Elkins-Hutten as they reveal how to leverage Land Investing, Debt Funds, and Infinite Banking for a winning investment strategy.

Visit our website:https://www.thewealthwarehousepodcast.com/Dave and Paul return for their monthly webinar where this time, they tackled the theme: How has "Rethinking your thinking" changed your life?Additionally, they talk about using policy loans for cars, home projects, and surprise bills without bank stress; how to “capture your dollars first” so compounding isn't interrupted; and simple ways to do private financing instead of the traditional bank runaround.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro0:51 - Episode beginning1:50 - IBC's impact on Dave and Paul8:18 - Another housing story10:53 - Car financing15:35 - IBC in action, taking opportunities22:50 - Both/and29:04 - Daniel: What thinking differently has done37:40 - People have been tricked39:52 - It's so simple43:37 - “Finding” policies, proper classification51:10 - Using and expanding your system58:09 - Episode wrap-upABOUT YOUR HOSTS: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 M.A. 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.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

The Infinite Banking Interview Series #38: Lanah DurhamIn this episode of the Interview Series I have the pleasure of speaking with my own, and only, daughter, Lanah.Lanah is 5. This is her first time sitting down and participating in our Family Banking Series (link below) where we talk about private family banking, policy loans, private lending, business deals, and all things concerning keeping more money in the family, intergenerationally. So, since she was with me for an “Office Day” recently, it was time to sit down and have an interview.I hope you enjoy our conversation and learn!RESOURCES:Family Banking Serieshttps://bit.ly/FamilyBankingSeries⚔️ “LIVE & LEAVE A LASTING LEGACY”

Excited to have a special guest at You Can Overcome Anything! Podcast Show.Keegan is the Founder and Chief Vision Officer of MindfulMEDS, a premium supplement company that's revolutionizing mental health and personal growth in Canada.Keegan's journey is nothing short of inspiring—he went from battling a 9-year alcohol addiction that almost took his life. As a result of his addiction depression and anxiety took over before the transformation began. Keegan transformed his life with the incredible power of mushrooms and natural supplementation. Now, he's on a mission to help others do the same.Keegan message to you is:One of the biggest lessons i've learned in doing the work that I do is that we all connect not through the good times, but through the pain we've all experiencedTo connect with Keegan go to:https://mindfulmeds.io/https://www.instagram.com/mindfulmeds_ca/https://www.tiktok.com/@mindfulmeds_cahttps://youtube.com/@mindfulmeds_cahttps://www.facebook.com/mindfulmeds.io/To Connect with CesarRespino go to:

In today's episode of You Can Overcome Anything! Podcast Show, CesarRespino.com brings to you a special guest.Yousef Benhamida is an American inventor, entrepreneur, and investor, best known as the founder and CEO of Humboldt's Secret Supplies—one of the top-selling plant nutrient brands in the U.S. With no degree, no investors, and only grit, Google, and a vision, he built a multi-million-dollar company from his one-bedroom apartment. His path to success came after hitting rock bottom, an experience that drove him to rebuild himself emotionally, physically, and mentally. Today, Yousef shares his powerful system for discipline, mindset, and self-leadership, helping others break toxic cycles, regain confidence, and achieve lasting results in life, fitness, and business. He is also the author of One Million Dollars, Hot Girls and a Ferrari, offering raw and unfiltered truths about what it really takes to level up.Yousef Benhamida's message to you is: "You don't need perfect conditions to change your life—you just need the discipline to take the first step and the courage to keep going when it gets hard."To Connect with Yousef Benhamida go to:https://yousefbenhamida.com/https://www.facebook.com/YousefBenhamida11https://www.linkedin.com/in/yousefbenhamida/https://www.youtube.com/@ConfessionsOfACEOhttps://www.instagram.com/yousefbenhamida/To Connect with CesarRespino go to:

In this Thanksgiving special, James and his son Jake sit down to talk gratitude, family, and the simple principles that make life and IBC work. They also touch on the recent IUL conversations in the news and revisit Nelson's timeless insights. 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.

Today, my guest is Brent Kessler. Brent Kessler was a chiropractor, and after implementing the money multiplier method, Brent paid off $984,711 in third party debt in 39 months, he became so passionate about how powerful this concept was, he began sharing it with others, and in just a minute, we're going to talk with Brent Kessler about Infinite Banking through the Money Multiplier Method.   https://themoneymultiplier.com/ https://themoneymultiplier.com/brent-kesler  

Caleb Guilliams and Devin Burr (@Mr_Brrrr) return to tackle the internet's toughest questions about Infinite Banking. The good, the skeptical, and the ugly. From people asking how soon they can access cash value, to critics calling Infinite Banking a scam, nothing is off-limits. 00:00 Introduction to Infinite Banking and Skepticism02:32 Starting a Policy: Amounts and Strategies04:57 Age Considerations in Infinite Banking08:35 Trusts and Legacy Planning11:56 Tax Implications and Loan Structures20:01 Comparing Whole Life and IULs30:11 Understanding Policy Loans and Insurance Company Profitability42:18 Understanding Investment vs. Savings45:00 The Role of Life Insurance as an Asset46:01 The Value of Life Insurance in Financial Planning50:02 Critique of 401(k) Plans55:25 The Debate on 401(k) Matches58:19 Infinite Banking: Concept vs. Scam01:06:04 Ethics of Lending and Interest Rates01:11:36 Intentional Living and Business ValuesWant 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 Us To Review Your 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 this episode of Breakaway Wealth, Jim breaks down 10 universal success habits every top performer uses—whether they realize it or not. From structured mornings to time blocking, from health optimization to rapid-fire execution, these habits create predictable momentum. And when paired with Infinite Banking, they become a wealth engine on purpose. Jim also answers a pressing IBC question from the community: Can you run all of your W-2 income through your own banking system? Yes—but there's a smarter way to approach it if your goal is velocity, not theory. It's not motivation that builds wealth—it's structure, reflection, and action. This episode hands you all three. What You'll Learn: The IBC Question: Can you run all your W-2 income through your bank? The 10 Habits of Highly Productive People Decide → Act → Adjust. Stop waiting for the perfect system. Build it. Action Steps Build your Ideal Week and compare it to your real one. Write your top goal 25 times daily for one week. Track your circle: Who gives energy—and who drains it? Jim's Words That Matter "You don't need more motivation—you need a system. Win Monday, and the week takes care of itself."

In another consumer corner episode, Wade is joined again by Kira Nyland to dive into the buzz around the proposed 50-year mortgage and what it reveals about America's growing debt mindset. They break down how ultra-long mortgages can quietly extend financial bondage, why most consumers only see the "low payment" and not the true cost, and how thinking like a banker—not just a borrower—can change everything. Wade contrasts the typical consumer approach with strategies rooted in Infinite Banking, whole life insurance, and intentional cash flow, encouraging listeners to treat their money as sacred, question clickbait headlines, and make mortgage decisions that actually serve their long-term financial freedom. Episode Highlights 00:47 - Discussing the 50-year mortgage trend 01:22 - Kira's initial reaction to the 50-year mortgage concept 03:56 - Mechanics and implications of a 50-year mortgage 05:00 - Interest rates comparison between 15, 30, and 50-year mortgages 05:19 - Consideration of earning potential versus mortgage interest rates 07:16 - Average age of first-time homebuyers and long mortgage terms 09:48 - Impact of extended mortgage terms on overall cost 14:43 -The importance of financial education and awareness 16:50 - Family banking and teaching financial responsibility 22:00 - The value of time and financial decision-making Episode Resources sagewealthstrategy.com  The Truth about 15 vs 30 Year Mortgages: Total Cost: https://www.loom.com/share/8b6e261950dc466c9e81b562fcedc96f  The Truth about 15 vs 30 Year Mortgages: Additional Factors: https://www.loom.com/share/36baa22d201344f49a709894ed03144b  The Infinite Banking Implementation of 15 vs 30 Year Mortgages: https://www.loom.com/share/d18eaac393ff43fb8c85b9cb51a39adc   

Visit our website:https://www.thewealthwarehousepodcast.com/This week on Wealth Warehouse, Dave and Paul kick around the hot “50-year mortgage” idea and why it may help (or hurt) depending on how you think about cash flow and control. Then they get practical: when you're practicing IBC, should extra dollars crush a policy loan… or go toward expanding your system? They dig into real-life tradeoffs, how to sequence cash before big expenses, and why capital base should be a priority over quick paydowns. Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:19 - Episode beginning2:52 - The 50-year mortgage11:47 - Expanding your system19:28 - I've got a policy loan I'm repaying..21:06 - Adding new capital24:02 - As you get more policies30:46 - Episode wrap-upABOUT YOUR HOSTS: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 M.A. 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.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

In today's episode of You Can Overcome Anything! Poedcast Show, CesarRespino.com brings to you a special guest.Julie RyanPsychicMediumand Medical Intuitive Julie Ryan can sense what medical conditions andillnesses a person has and facilitate energetic healings. She can communicate withspirits both alive and dead.Julieis a “buffet of psychicness™”and can scan animals,access people's past lives, andshe cantell how close to death someone is.Her bookAngelic Attendants: What Really Happens As We Transition From This Life Into TheNextdescribes aseries of eventsthatinvolvesangels, multitudes of deceased familyand friends, the spirits of deceased pets, and countless serendipitous and miraculousmoments.Julie'sAngel Messages®booksarepicture booksthat haveangels answeringkids' tough questions.Each week, Julie scans callers on her 'Ask Julie Ryan'showwhichis heard in over 100 countries throughout the worldand is ranked in the top 0.05% ofpodcasts.Julie is a businesswoman, an inventor, author, podcaster,and a serialentrepreneur. Her surgical device inventions are sold globally and she has founded ninecompanies in five different industries. Julie's Psychic and Medical Intuitive skills arelearned.Julie Ryan' smessage to you is:"We are all spirits attached to a body having a human experience. Healing, connection, and love are always available - we simply need to tune in."To connect with Julie Ryan go to:Website:https://askjulieryan.comFacebook:https://www.facebook.com/askjulieryan/Instagram:https://www.instagram.com/askjulieryan/LinkedIn:https://www.linkedin.com/in/julie-ryan-5224698YouTube:https://www.youtube.com/@askjulieryanhttp://www.youtube.com/@askjulieryanespanolhttp://www.youtube.com/@askjulieryanportugesFreeGift for listeners/watchers: Audio and Digital copy ofAngelic Attendants: What Really Happens AsWe Transition From This Life Into The Next: http://julieryangift.comTo Connect with CesarRespino go to:

Are you good with money but still feel like you're not getting ahead? Most people follow traditional personal finance advice and still struggle to build real wealth. In this video, we break down why personal finance fails so many people and how the Infinite Banking Concept can give you control, security, and real growth with your money. Learn how to make your money work harder, protect your cash, and create a system that puts you in charge instead of relying on advisors or average returns that rarely reflect reality. We cover mindset shifts, wealth-building strategies, and how to take full control of your finances while building wealth today, not just tomorrow. If you want to stop following the baby step approach, escape the rat race, and put your money to work in multiple ways at once, this video will show you a better path to financial freedom. Join the Tactical Empire Network for free to attend our Infinite Banking webinar and start taking control of your money today.

The Interview Series #36: Jesiah Durham In this episode of the Interview Series I have the pleasure of speaking with my own son, Jesiah. Jesiah is at an age, 10, where we naturally talk about money, things he wants to do and buy, his questions about how we do personal finance in our household (and why), etc. Jesiah and I have spoken before in our Family Banking Series (link below) about private family banking, policy loans, private lending, business deals, etc. So, since he was with me for an “Office Day”, it was time to sit down and have an interview.I hope you enjoy our conversation and learn!RESOURCES:Family Banking Serieshttps://bit.ly/FamilyBankingSeriesI Bought A Car With Infinite Bankinghttps://bit.ly/InfiniteBanking-BuyingACar⚔️ “LIVE & LEAVE A LASTING LEGACY”

Are you waiting on an inheritance, a government program, or the bank to finally let you farm "for real"? In this episode, Mary Jo shows how that thinking is exactly what's holding you back, and how Nelson Nash warned us about it years ago.

In this episode, James sits down with his friend David Stearns, co-director of the Nelson Nash Institute and president of Infinite Banking Concepts, LLC. They discuss the recent $8.5 million IUL lawsuit, the Institute's position on universal life, and Nelson's own comments on indexed UL, variable UL, and traditional UL. It's an honest, straightforward conversation about why IUL is not IBC and what Nelson actually taught. 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.

In this episode, the guys dive deep into one of the most powerful, and often overlooked strategies in the Infinite Banking world: expanding your system to capture every dollar of income. Nate, Brock, and Brandon break down what it really means to run all your cash flow through your banking system, why most people underestimate the impact, and how this shift can completely transform long-term wealth building. They also share their personal thoughts, real-life examples, and the mindset changes they experienced as they grew their own systems. From small income streams to large business revenue, the guys explain how they learned to view every dollar as an opportunity, and why scaling your system isn't just a technical strategy, but a lifestyle decision. Whether you're just starting your journey or looking to supercharge your existing plan, this episode will open your eyes to what's possible when you build a system designed to handle everything. Tune in to learn how expanding your banking system can expand your future.

The Interview Series #35: Nancy HidalgoIn this episode of the Interview Series I interview my friend Nancy Hidalgo.Nancy is a mother, an insurance agent and an Authorized Infinite Banking Concepts Practitioner. It has been a pleasure to get to know Nancy and hear her incredible story of perseverance and learning. As a fellow colleague in this space, I appreciate Nancy's heart and voracious appetite for improving clients' lives through Infinite Banking. Here is her origin story and information about how she's helping clients today. I hope you enjoy our conversation and learn!To connect with Nancy:Instagram: https://www.instagram.com/hidalgoinfinitelegacy?igsh=MW4ydG95Y2JvZmFtbw==Phone: +1 (407) 288-0252⚔️ “LIVE & LEAVE A LASTING LEGACY”

In today's episode, CesarRespino.com brings to you a special guest by the name of Chuck Barnard.Coach Chuck Barnard is an author, speaker, champion's mindset mentor, and a father of four who has been in the education industry for over 30 years. Chuck has a master's degree in special education, is certified in Advanced Behavioral Modeling, and is a Master NLP, Time-Line Therapy® Hypnotherapy Practitioner, a certified Mental Wellness Coach, and a Diplomat with the American Institute of Stress. He has been a skier for 56 years, has walked across burning coals with Tony Robbins on three different occasions and loves traveling. Chuck has been a baseball player or coach for 50 years. Chuck's greatest passion is to see teenagers become champions not only on the athletic field and in the classroom, but most importantly in life.To connect with Chuck Barnard go to:https://coachchuck360.com/To Connect with CesarRespino go to:

Did you know that there's a path to achieving financial freedom without relying on traditional methods?In today's conversation, the financial coaches reveal the one thing the financial system doesn't want you to know about the Infinite Banking concept (IBC). This powerful strategy, often misunderstood or overlooked, enables individuals to take control of their finances and establish sustainable passive income streams. The coaches explain how IBC works, its benefits, and why it's not just for the wealthy. They also share real-life examples of how everyday people are using this strategy to build financial freedom and accelerate their path to wealth. By focusing on building your own bank through whole life insurance policies, you can create a system that works for you instead of trying your luck on Wall Street. Tune in to understand why this strategy is the key to unlocking true financial independence and how it can transform your financial future.Top three things you will learn:-How IBC works and why it's a powerful tool for creating passive income-Why whole life insurance is the key to achieving financial freedom-The common myths surrounding IBC and how to avoid costly mistakes when setting up your insurance policyDisclaimer: 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 is part 2 in a series on creating successful family businesses and legacy. The last episode laid out why it is important. This episode introduces how to do it, what tools help my clients as their guide towards a successful family wealth, agency and legacy. Highlights Elon Musk's vision for the future. Importance of a strong family unit. Elon Musk and leadership decisions. Infinite Banking and legacy tools. New challenges for business owners. Becoming a certified exit planning advisor. The importance of owning your expertise. Turning a Ponzi scheme failure into strength. Value of admitting mistakes quickly. Key message: Invest in yourself.   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  Connect with Jen McAllister https://riseaccountingllc.com/about/  https://exit-planning-institute.org/about-us  jen@riseaccountingllc.com  Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Audible Subscribe with Listen Notes Subscribe with RSS  

Get ready to level up your real estate game! Join our free Real Estate Mastery Masterclass on Nov 19, 2025 (1:00–4:00 PM CT) and discover how to combine Creative Financing, Turnkey Deals, and Infinite Banking for a winning strategy. Experts Anthony Faso & Cameron Christiansen, Terry Kerr & Matthew Vanhorn, and Zachary Beach will show you how to unlock income-generating opportunities with their proven real estate strategies. 

Visit our website:https://www.thewealthwarehousepodcast.com/This week on Wealth Warehouse, Dave and Paul break down the high-profile lawsuit NASCAR star Kyle Busch filed against Pacific Life after allegedly losing $8.5M in an indexed universal life (IUL) policy. They unpack why they're not surprised, how IULs actually work under the hood and why those glossy “tax-free retirement” illustrations can fall apart in the real world. If you've ever wondered whether IUL belongs in an Infinite Banking strategy, or as “permanent” life insurance at all, this one's for you.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:10 - Episode beginning4:18 - Kyle Busch's lawsuit12:25 - Nelson Nash's thoughts on Universal Life15:17 - Universal Life and why it doesn't work18:56 - Life insurance retirement plans (LIRPs)23:09 - Home ownership and the next generation25:09 - Bottom line on IULs33:31 - Episode wrap-upABOUT YOUR HOSTS: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 M.A. 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.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website:https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Why the Indexed Universal Life lawsuit is a wake-up call The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from thoughtful families: is my policy designed to serve me, or to serve a sales incentive? This isn't tabloid noise. It's a real-world reminder that choices around products, product design, and behavior determine outcomes. When insurance gets framed like an investment, confusion wins—and families pay for the confusion later. https://www.youtube.com/live/3aLnzmv2dlc Behind the headlines is a deeper issue many families face: when insurance starts getting pitched as an investment, people get hurt. This indexed universal life lawsuit isn't just celebrity drama. It's a cautionary tale about design choices, incentives, and behavior—three ingredients that make or break outcomes. Why the Indexed Universal Life lawsuit is a wake-up callWhy this Indexed Universal Life lawsuit matters to you1) What actually happened in the Kyle Busch vs Pacific Life case2) What Indexed Universal Life is designed to do (and why the moving parts matter)3) Why Indexed Universal Life is usually a poor fit for Infinite Banking4) The commission conversation: what really matters5) Red flags to spot in any IUL illustration6) The behavior factor: decisions drive outcomes7) Where IUL can make sense—and where it doesn't8) How to review your current policy or a proposal in 20 minutesWhat this Indexed Universal Life lawsuit teaches usListen to the full episode on the Indexed Universal Life lawsuitBook A Strategy CallFAQWhat is the Kyle Busch vs Pacific Life indexed universal life lawsuit about?Is an indexed universal life policy a good fit for Infinite Banking?Are whole life policies safer than IUL for building cash value?How do agent commissions affect IUL performance?What red flags should I look for in an IUL illustration?Can IUL still make sense for estate planning?What's the simplest way to protect myself before buying?Is life insurance an investment?What should I do if I already own an IUL? Why this Indexed Universal Life lawsuit matters to you Here's the premise: The Kyle Busch vs Pacific Life indexed universal life lawsuit is shining a bright light on how certain policy designs and sales incentives can set people up for disappointment. Our goal in this article is to unpack what happened at a practical level, explain why it happened, and give you a simple framework to evaluate your own policy or a policy you're considering. What you'll get: A clear understanding of indexed universal life (IUL) mechanics—caps, participation rates, floors, and charges Why IUL is often a poor fit for Infinite Banking, and where it can make sense How agent compensation and death benefit decisions impact performance The difference between marketing hype and durable guarantees A short checklist of questions to ask before you sign anything We'll speak plainly. We'll respect your intelligence. And we'll give you steps to protect your family and your capital. 1) What actually happened in the Kyle Busch vs Pacific Life case Bruce here. Based on the widely discussed analysis from respected product designer Bobby Samuelson, the policy at the center of this story was a complex indexed universal life contract. The pitch focused on future “income.” The design featured a very high death benefit, which increases internal charges and agent compensation. It also appears the early-year cash value was constrained by both high expenses and allocation choices, and that funding didn't match the schedule the clients initially expected. The result: heavy costs, lower-than-expected performance, and ultimately a policy lapse after substantial premiums were paid. Rachel again. Two principles jump out. First, when life insurance is positioned as an investment promising tax-free income, the conversation gets blurry fast. Second, the higher the initial death benefit, the higher the internal costs—especially for a client with added risk factors. Costs matter most in the early years. If they consume the lion's share of premiums, policy cash value will suffer, and a lapse risk can rise. Takeaway: A policy can look good on a spreadsheet and still be fragile in real life if the design incentives and assumptions don't align with your actual goals. 2) What Indexed Universal Life is designed to do (and why the moving parts matter) Bruce here. IUL ties crediting to an index such as the S&P 500 with caps and participation rates. You don't get the full index return. You get a portion, limited by the carrier's rules. You also don't take index losses; there's usually a 0% floor for crediting. But there's a critical nuance: while the index credit can't go below zero, charges—cost of insurance, policy expenses, riders—still come out. A zero-crediting year can still set you back if expenses outpace gains. That's why illustrations are tricky. They show a hypothetical average crediting rate over time. Real markets don't move in averages, and caps, participation rates, and expenses can change. If early-year charges are high, the policy needs time, consistent funding, and sufficiently strong credited returns to catch up. Rachel here. I love simplicity and transparency. That's why, for Infinite Banking, I prefer whole life. You get contractual guarantees on cash value and death benefit, plus the long history of dividends. Is it flashy? No. Is it dependable? Yes. 3) Why Indexed Universal Life is usually a poor fit for Infinite Banking The Infinite Banking Concept relies on stable, accessible cash value, simple mechanics, and predictable loan behavior. Here's where IUL struggles for banking use: Volatility in crediting. Caps and participation rates can shift. Policy loans can stress the design. Loan interest plus uneven crediting can turn small missteps into big problems. Moving parts multiply complexity. If you want banking simplicity, fewer moving parts beat more every time. Could IUL fit some estate-planning use cases? Sure, for certain objectives where the focus is death benefit and there's no plan to rely on policy loans or income. But for banking—using policy cash value as your family's capital base—whole life's guarantees create the clarity and control most people actually want. 4) The commission conversation: what really matters Bruce here. Let's talk compensation without the drama. In any life insurance policy, there are upfront costs. Over long horizons, those upfront costs spread out and matter less if the policy is designed and funded well. But design still matters a lot in the early years. A very high base death benefit can push up the target premium and the commission. It can also raise internal charges precisely when you need cash value efficiency. Rachel again. Ask this one question: How does this design minimize commissions and early-year drag while keeping the policy MEC-safe? In and IUL, like the one mentioned in the lawsuit, that means using a blend structure and, when appropriate, term riders like ART to support premium without bloating long-term costs. If an agent can't explain—in plain English—how they're minimizing commissions and internal drag, press pause. 5) Red flags to spot in any IUL illustration A few practical signals you can use immediately: The illustration calls life insurance an “investment” or implies market-like returns with no meaningful discussion of costs and moving parts. Year-1 cash value is tiny relative to premium with no clear rationale. The design amps the death benefit far above what's needed to keep the contract non-MEC, without using low-cost term blending when available. Income projections look aggressive while early-year charges eat most premiums. Allocations default to a fixed account for years while the pitch centers on index crediting. The plan depends on perfect behavior—no missed funding, no changes, no down years—for it to work. 6) The behavior factor: decisions drive outcomes Bruce here. Nelson Nash reminded us: your behavior matters more than the policy. If the plan assumes consistent premium funding, or specific timing for loan repayment, those behaviors must be realistic for your family. A design that only works in a perfect world isn't a plan; it's a hope. Rachel again. Behavior plus guarantees is where confidence grows. I want you to be able to look at your numbers, understand them, and know what to do next—especially when life happens. 7) Where IUL can make sense—and where it doesn't We're not absolutists. IUL can be used intentionally in estate planning when: The primary goal is death benefit, not banking or policy loans Funding is reliable and stress-tested You're comfortable with moving parts and the absence of whole life guarantees You've pressure-tested outcomes under lower caps and participation rates For Infinite Banking—where the priority is guaranteed, steadily compounding cash value with simple loan mechanics—whole life wins on clarity, control, and durability. 8) How to review your current policy or a proposal in 20 minutes Use this mini-checklist: Purpose: Is this for death benefit, banking, income, or estate planning? Guarantees: What's guaranteed vs projected? Look at guaranteed cash value and death benefit. Early cash value: What percentage of the premium shows as cash value in years 1–3? Does it make sense? MEC safety: How is MEC testing handled? Is an ART or blend used to control costs? Commission drag: How is the design minimizing commission and internal charges while meeting your goal? IUL Allocation: Where is the premium allocated in years 1–3? Fixed vs indexed? Why? IUL Stress tests: What happens if caps/participation rates fall or a funding year is missed? Loan modeling: If banking or income is the goal, are loan assumptions conservative and clearly explained?

Ep. #123 “In Their Own Words” - Clients & ColleaguesIt has been my great privilege to work with incredible professionals and to work for wonderful clients for several years now. Through educating in the Infinite Banking footprint and building a business as an agent, I have worked for and with some long time friends that are clients and made many new friendships with clients and professional colleagues as well, all throughout America. Here is a small, and quality, collection of the voices willing to express in video their new found security, growth, learning, appreciation of collaboration,  and financial indpenedence through this Infinite Banking Concept. I'm better for knowing all of you here representated, and those many more not, in this video. ⚔️ LIVE & LEAVE A LASTING LEGACY

Most people think policy loans mean "borrowing your own money." That's completely wrong, and it's costing them big. In this episode, Mary Jo breaks down exactly how policy loans work inside Infinite Banking and why understanding the difference can change how you build wealth.

In this third installment, James shares a collection of clips answering foundational IBC® questions. He highlights why the policy owner's actions such as capitalization, premium payments, and loan repayments ultimately shape long-term results. 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.

In this episode of The Practical Wealth Show, Curtis May interviews Brandi Jo Newman, a leading Infinite Banking practitioner and agency builder who has mastered the art of scalable growth through paid advertising, automation, and systems thinking.   Brandi explains how she built a $12,000-per-month paid ad engine that fills her team's calendars with qualified prospects, and how she uses AI and automation to turn each piece of content into a lead-generation system. Together, they unpack the business model behind her success and how it connects with Curtis's principle-based approach to wealth building.   Topics Covered:   Why control, liquidity, and legacy matter more than rate of return How Brandi defines "wealth with intention" and "legacy by design" The role of Infinite Banking (IBC) as a system of control rather than just an insurance product Tax drag, wealth drains and how to plug them Private deal access and how high-income earners can deploy capital differently Your host's Money4Life Blueprint and how it aligns with Brandi's structure Practical steps listeners can take to become their own banker & macro-manager of money   Key Takeaways:   Money working for your values, not the other way around Shifting from chasing returns to building systems of efficiency How to use cash-value life insurance intelligently as a control tool Building liquidity, flexibility, tax-efficiency, generational structures   Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com  Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink  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://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW  Connect with Brandi Jo Newman brandijonewman@gmail.com  https://linktr.ee/brandijonewman  Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession   Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts  Click here to subscribe with Spotify Click here to subscribe with RSS  

Are you still paying cash for big expenses like college tuition, remodels, or vehicles? You might be losing hundreds of thousands — even millions — without realizing it. Learn how to use the Infinite Banking Concept to make your money work for you every time you spend it.

The Infinite Banking industry can be obsessed with rate of return, and it's ruining the message. In this powerful conversation, Caleb Guilliams and Logan Hertz unpack how focusing on ROI has blinded people to the real value of life insurance: liquidity, guarantees, and human life value. They challenge advisors, clients, and industry leaders alike to rethink what wealth efficiency really means and bring to light the deeper issues impacting the life insurance industry. Logan Hertz also reveals what went on behind the scenes at the Nelson Nash Institute, leading to him being removed. Caleb & him dialogue about the state of the industry and what needs to change in order for it to truly thrive. 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-vaultWant Us To Review Your 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.

Get ready to level up your real estate game! Join our free Real Estate Mastery Masterclass on Nov 19, 2025 (1:00–4:00 PM CT) and discover how to combine Creative Financing, Turnkey Deals, and Infinite Banking for a winning strategy. Experts Anthony Faso & Cameron Christiansen, Terry Kerr & Matthew Vanhorn, and Zachary Beach will show you how to unlock income-generating opportunities with their proven real estate strategies. 

Visit our website:https://www.thewealthwarehousepodcast.com/Part two with pilot/IBC pro Travis Fairbairn digs into the big question: “I've got cash value, now what?”We break down a simple, repeatable way to turn whole life policy cash value into predictable cash flow using amortized notes through a low-risk co-lending club. Travis shows how the strategy repays your policy loan (plus interest), compounds as you recycle dollars, when it makes sense to add another policy, and how even ~$500/month in savings can start with ~$2,500 notes. We also talk about real uses and why banks start treating you like a partner when you control the banking function.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/To learn more about Travis's note stacking program you can email info@kindling.network or fill out the form at this link:https://links.30wconsulting.com/widget/form/yjnxHKSATOK4geqcuFbIWealth Warehouse is not affiliated with the notes program and does not offer investment advice or recommendations. To learn more about Travis's note stacking program you can email info@kindling.network or fill out the form at this link:https://links.30wconsulting.com/widget/form/yjnxHKSATOK4geqcuFbIEpisode Highlights:0:00 - Intro0:56 - Episode beginning3:44 - Natural expansion5:38 - Who can participate?11:53 - Being a partner with banks15:13 - “This is about banking”17:48 - How Paul uses his notes19:17 - This method gives you options21:16 - How you can find out more22:42 - Episode wrap-upABOUT YOUR HOSTS: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 M.A. 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.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/

 “It's not the math. It's the mindset.” When Bruce recorded this episode solo, he opened with something we've learned after thousands of client conversations: the biggest Infinite Banking mistakes aren't about policy illustrations or carrier choice. They're about us—our habits, our thinking, and the quiet patterns we bring to money. https://www.youtube.com/live/tvSGb9GkRG4 I remember Nelson Nash repeating, “Rethink your thinking.” That line annoys the part of us that wants a clean spreadsheet answer. But it's also the doorway to everything you actually want—control, peace, and a reservoir of capital that serves your family for decades. In today's article, I'm going to unpack those human problems—Parkinson's Law, Willie Sutton's Law, the Golden Rule, the Arrival Syndrome, and Use-It-or-Lose-It—and connect them to the most common Infinite Banking mistakes we see. Most importantly, I'll show you the behaviors that fix them.  “It's not the math. It's the mindset.”What you'll gain (and why it matters)Infinite Banking Mistakes #1 — Treating IBC like a sales system, not a lifelong conceptInfinite Banking Mistakes #2 — Short-term policy design (and base vs. PUA confusion)Infinite Banking Mistakes #3 — Misunderstanding uninterrupted compoundingInfinite Banking Mistakes #4 — Ignoring the five human problems Nelson taughtParkinson's Law: “Expenses rise to equal income”Willie Sutton's Law: “Money attracts seekers”The Golden Rule: “Those who have the gold make the rules”The Arrival Syndrome: “I already know this”Use It or Lose It: “Habits decay without practice”Infinite Banking Mistakes #5 — Forgetting that illustrations aren't contractsInfinite Banking Mistakes #6 — Not paying policy loans back (on purpose)Infinite Banking Mistakes #7 — No written strategy or scorecardListen To the Full EpisodeBook A Strategy CallFAQsWhat are the most common Infinite Banking mistakes?Should I prioritize PUAs or base premium to avoid Infinite Banking mistakes?Do I have to repay policy loans in Infinite Banking?How does Parkinson's Law cause Infinite Banking mistakes?Are policy illustrations reliable for Infinite Banking decisions?What did Nelson Nash mean by “think long range”?How do taxes relate to Infinite Banking mistakes? What you'll gain (and why it matters) If you're new here, I'm Rachel Marshall, co-host of The Money Advantage and a fierce believer that families can build multigenerational wealth with wisdom, not stress. The primary keyword for this piece is “Infinite Banking Mistakes,” and we're going to name them, explain why they happen, and give you practical steps to get back on track. You'll learn: Why behavior beats policy design over the long term How short-term thinking shows up in base/PUA decisions The right way to think about uninterrupted compounding How to use loans and repay them without sabotaging growth The five “human problems” Nelson warned us about—and how to overcome them If you can absorb the mindset, the math becomes simple. If you skip the mindset, no design hack will save you. Let's go there. Infinite Banking Mistakes #1 — Treating IBC like a sales system, not a lifelong concept The mistake: Looking for a quick fix—“set up a policy, borrow immediately, invest, done”—and calling it Infinite Banking. Why it happens: Our culture loves shortcuts. We're used to products, not principles. But IBC isn't a product; it's a way of life. Nelson was explicit: it's not a sales system. When we treat it like a gadget, we ignore the behaviors that made debt a problem in the first place. What to do instead: Adopt a long-range view. Commit to capitalization for years, not months. Build rhythms. Premium drafting, policy reviews, loan repayment schedules. Measure behavior. Not just cash value growth; also repayment habits, added PUAs, and opportunity filters. Infinite Banking Mistakes #2 — Short-term policy design (and base vs. PUA confusion)

Kyle Busch just sued Pacific Life Insurance for $8.58 million, claiming he was misled by an Indexed Universal Life (IUL) policy. But what if this high-profile case proves everything Infinite Banking practitioners have warned about for years?

In this second installment, James shares a collection of clips discussing Universal Life insurance within the Infinite Banking Concept®. He highlights why Nelson Nash emphasized dividend-paying whole life, and how the structure and guarantees differ 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.