Podcast appearances and mentions of nelson nash

What did Nelson Nash actually teach? In this conversation, Jim Oliver sits down with David Stearns, Director of the Nelson Nash Institute and Nelson Nash's son-in-law, to discuss the ideas that often get overlooked when people talk about Infinite Banking. They unpack why Infinite Banking is not about chasing policy performance, comparing illustrations, or finding a shortcut to wealth. Instead, it's about understanding the problem Nelson spent decades studying: the loss of control over your cash flow. Jim and David revisit key lessons from Becoming Your Own Banker, explain why Nelson rejected Universal Life insurance, and share why behavior - not policy design - is what ultimately determines success with Infinite Banking. Key Takeaways Infinite Banking is about controlling the banking function, not buying life insurance Nelson Nash viewed whole life insurance as a tool, not the end goal Comparing policies without understanding the process misses the point Wealth is built by controlling cash flow and recapturing lost interest Reading and understanding Becoming Your Own Banker remains the foundation of IBC Chapters 00:00 Meet David Stearns and the Mission of the Nelson Nash Institute 03:23 Why Nelson Nash Rejected Universal Life Insurance 08:26 The Biggest Misunderstanding About Infinite Banking 12:28 Understanding the Real Problem Nelson Solved 18:02 Why Most People Misread Becoming Your Own Banker 23:44 Nelson Nash's Vision for Financial Freedom 31:59 The Difference Between Selling Insurance and Teaching IBC 44:52 The Windfall Story and Building Long-Term Wealth 53:02 Why Reading the Book Still Matters ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

Infinite banking gets pitched to almost everyone, but it only works for a narrow group of people. The concept isn't about how much you earn or how disciplined you are at saving. It comes down to whether you borrow money regularly and what that borrowing actually costs you. The original idea, as Nelson Nash conceived it, was built for business owners with strong, consistent cash flow who finance things as part of their daily operations. Think of a retailer buying inventory or a company purchasing equipment. These are people who are already borrowing money and paying meaningful interest to do so. That's where the math gets interesting. Inventory loans and short-cycle business credit often carry double-digit rates because banks understand the payoff expectations and the risk associated with that lending. Moving that financing from 15% down to somewhere near 5% is a real advantage, especially when you can repay on your own schedule and keep the debt off the bank's radar. The trouble is that infinite banking isn't a savings hack, and it isn't magic. If you spend more than you earn, no policy structure can fix that. And if you rarely borrow, or your best available credit is already cheap, a policy that sits unused defeats the whole premise. You'll also learn why policy loan rates don't move the way bank rates do. Traditional lending follows the Fed, but whole life policy loans track the bond market and typically reprice no more than once a year. During a rate-hiking cycle, that difference can widen the gap in your favor. Honesty about suitability matters here. A large share of permanent life policies lapse within ten years, often because people underestimate future cash needs. That's not an argument against the concept, but it is a reason to be clear-eyed about who should attempt it. If you think you might fit the profile, or you're not sure, it's worth getting a straight answer before you commit. Schedule a call or send us a message, and we can walk through whether it actually makes sense for your situation.

In this twelfth installment, James explains Modified Endowment Contracts (MECs), how they occur, and why policy design should focus on long-term performance rather than maximizing early cash value. He discusses MEC limits, policy flexibility, and common misconceptions surrounding overfunded whole life insurance. As always, we hope you enjoy the episode, and thank you for listening!━━━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 not broke. They are fighting invisible financial headwinds. In this episode of Cashflow Legendz, Nate and Brandon unpack one of Nelson Nash's powerful concepts from Becoming Your Own Banker: the difference between financial headwinds and tailwinds. You may be working hard, earning money, saving, investing, and trying to make progress, but still feel like you cannot get ahead. Why? Because money may be quietly leaking through interest payments, inefficient debt structures, idle cash, poor sequencing, and financial systems that were never designed to benefit you first. This conversation is not about shame, guilt, or beating yourself up over past financial decisions. It is about seeing the problem clearly. Because once you understand the problem, the solution becomes much easier to recognize. In this episode, Nate and Brandon discuss: Why more income does not always solve the problem How interest payments create invisible financial headwinds Why chasing rate of return can lead to a loss of control The difference between rate of return and rate of control Why money philosophy matters How to redirect existing cash flow with more efficiency Why families and business owners may be closer than they think The goal is not always to do more. Sometimes the goal is to redirect what is already moving through your life with more control, certainty, and purpose. Get a free copy of What Would The Rockefellers Do? https://stonecenturyfinancial.com/book Schedule a free Cashflow Legendz clarity call with Nate https://calendly.com/chroniclesnate/cashflow-legendz-consult This show is for educational purposes only and is not financial, tax, or legal advice. Consult with your team before making financial decisions. Money. Cashflow. Legacy. Break the rules. Build your legend.

In this eighth volume of the Best of the Banking With Life Podcast, we've compiled another collection of memorable moments and key discussions from recent episodes. From practical applications to foundational principles of the Infinite Banking Concept®, these highlights continue to showcase the enduring value of Nelson Nash's work. 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.

Ep. #127 On Financial Endurance with David HammerIn this episode, endurance athlete and Authorized IBC Practitioner, David Hammer, and I discuss how to cultivate financial endurance with the Infinite Banking Concept. ⚔️ LIVE & LEAVE A LASTING LEGACY

This is the story of how Nelson Nash discovered the Infinite Banking Concept, as written about in in his book Becoming Your Own Banker - unlocking the infinite banking concept. Nelson Nash wrote the book Becoming Your Own Banker and did seminars around the country teaching and sharing the Infinite Banking Concept. Since learning about Nelson Nash and Infinite Banking in 2005, we have been practicing and teaching The Infinite Banking Concept. We started McFie Insurance in 2007 to be able to sale life insurance specifically designed for Infinite Banking. Infinite Banking has made a huge difference in our life and is the reason we are still sharing it with others today. The Infinite Banking Concept is the key factor that lets you get ahead and level up financially. Watch this episode on YouTube here: How Infinite Banking Got Started – YouTube

Money Memo #11 Paying Off Bad Debt Is Like Getting A Pay RaiseThe average American is drowning in bad financial debt that can be solved through personal responsibility and a positive financial environment via Infinite Banking with whole life insurance policies. ⚔️ LIVE & LEAVE A LASTING LEGACY

I sit down with the president of the Nelson Nash Institute to walk through the core principles of the infinite banking concept as Nelson Nash intended as well as covering the future of IBC. I also directly address some of my concerns and issues with completely removing banks from one's financial plan.Watch the Interview on Youtube for Visuals - https://youtu.be/M72BN415fOEWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Trailer and Defining Infinite Banking 01:16 - Guest Introduction - David Stearns 01:48 - How Would You Define the Infinite Banking Concept? 04:45 - Volume vs. Rate 06:56 - Relationship to R. Nelson Nash18:56 - History of the Infinite Banking Concept 27:23 - The Nelson Nash Institute 37:54 - Core Things You Need To Stay in the Institute 42:52 - The Five Simple Rules of Infinite Banking *Think long range *Don't be afraid to capitalize *Don't steal the peas *Don't do business with banks *Rethink your thinking1:01:24 - Addressing Controversies and Misconceptions 1:20:24 - The Role of Banks and ControlDISCLAIMER: 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.

We hear it constantly: when can I stop paying premiums? Nelson Nash owned 49 whole life policies at one point — many not even on his own life. He wasn’t looking for an exit. He was building something. Policies paid for as long as possible create a family bank. One that stops depending on traditional banks. One that actually passes wealth forward. In this episode we cover policy structure, personal preferences around premiums, and what Nelson knew all along. Stopping isn’t the goal. Building is. The post When Can I Stop Paying Premiums? – A Mindset Question. appeared first on Life Success Legacy.

This episode explains why the capitalization phase is the foundation for your entire infinite banking concept system. Individuals who persevere through this phase are the target audience for this system, which Nelson Nash himself likened to starting a new business guaranteed to succeed.Understanding this crucial element from the Nelson Nash, author of "Becoming Your Own Banker" is key to building wealth and achieving financial freedom, helping you to truly be your own bank.Go to The Wealth Warehouse PodcastFollow us on :Linkedinhttps://www.linkedin.com/in/paul-fugere-762021b0/https://www.linkedin.com/in/david-a-befort-jr/Instagramhttps://www.instagram.com/thewealthwarehousepodcast/YouTubehttps://www.youtube.com/@Thewealthwarehousepodcast/videos

The Interview Series #47 Glenn YaneyIn this episode of the Interview Series I interview a friend and colleague, Authorized IBC Practitioner, Glenn Yaney. Glenn is a husband, father, has an extensive operational experience in the real estate and business world, and is also an educator and professional with Infinite Banking. I hope you enjoy our conversation and learn!To connect with Glenn:Podcast: https://youtube.com/@capitalizingyourlifepodcast?si=-pQTvA7fM2QDVl5_Email: glenn@createtailwind.com⚔️ “LIVE & LEAVE A LASTING LEGACY”

In today's Banking With Life Q&A, James answers questions about adverse selection in life insurance, whether life insurance companies hold gold and silver, the differences between direct and non-direct recognition, and using policy loans to fund additional policies. He also discusses Nelson Nash's grocery store example and the importance of velocity within the Infinite Banking Concept®. 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! ➫ 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.

The Round Table Series #18 - Part 2 Infinite Banking Book StudyIn this council of The Round Table, there is a host of qualified professionals, and we challenge each other to randomly discuss and represent our views from the Becoming Your Own Banker book by R. Nelson Nash.Guests:Tricia Millerwww.banklessbydesign.com Email: tricia@banklessbydesign.comNicole Gardnerwww.kingdommoneysense.comDan LangenbergEmail: Longmountain35@gmail.comDavid Hammer:Email: hammerd3@gmail.comPhone: 201–709–6158Will Fullington: reformedfinance.netEmail: re4medfinance@gmail.comPhone:  702-527-1776Richard Canfieldrcanfield@ascendantfinancial.com  | 587-600-9080RESOURCES MENTIONED:The Interview Series https://bit.ly/InfiniteBankingInterviewsI hope you enjoy and learn!⚔️ “LIVE & LEAVE A LASTING LEGACY”

Money Memo #10 Hourly Wage Doesn't Matter Who cares how much you earn if you don't keep any of it? Whether you earn $10 an hour or 10 million an hour, Becoming Your Own Banker is the way to safely store, compound and access the value of your earnings through utilizing whole life insurance. ⚔️ LIVE & LEAVE A LASTING LEGACY

The Round Table Series #18 Austrian Economics, Libertarianism & Infinite BankingTitle: Austrian Economics, Libertarianism & Infinite BankingIn this council of The Round Table there is a host of qualified professionals and we discuss Austrian economics, libertarianism, and the Infinite Banking Concept as described in Nelson Nash's book, Becoming Your Own Banker.Human action, personal responsibility, personal freedoms, government intervention, financial freedom and so much more come into this conversation. Guests:Tricia Millerwww.banklessbydesign.com Email: tricia@banklessbydesign.comNicole Gardnerwww.kingdommoneysense.comDan LangenbergEmail: Longmountain35@gmail.comDavid Hammer:Email: hammerd3@gmail.comPhone: 201–709–6158Will Fullington: reformedfinance.netEmail: re4medfinance@gmail.comPhone:  702-527-1776Richard Canfieldrcanfield@ascendantfinancial.com  | 587-600-9080RESOURCES MENTIONED:The Interview Series https://bit.ly/InfiniteBankingInterviewsThe State as an Organization | Mises Institute(587) I, Pencil - YouTubeipencilmovie.orgI hope you enjoy and learn!⚔️ “LIVE & LEAVE A LASTING LEGACY”

In this episode, James discusses the financial and human problems that lead people to the Infinite Banking Concept®, referencing several of the principles outlined by Nelson Nash in Becoming Your Own Banker. He explains how disciplined capital formation and control over the banking function can help individuals break free from financial dependence and short-term thinking. As always, we hope you enjoy the episode, and thank you for listening!Infinite Banking Foundations Series: ➫ www.youtube.com/playlist?list=PLx…H91ORIHB5nwNpQSMEMake 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.

Ep. #126 My 10 Years of Mistakes with Infinite Banking In this video, I share all the mistakes that I've made from doing Infinite Banking for over 10 years!I share how I took too long to get started, I didn't talk with my agent enough, I missed premium payments, I might've started bigger than I should have, I didn't acquire as much insurance as I should've from the start, and so much more.I also share other videos with some of my best practices acquired over the past decade of becoming my own banker. See those here:How much Premium?https://bit.ly/HowMuchPremiumAnnual Policy Checklisthttps://bit.ly/AnnualPolicyChecklistThe EncycloMedia Serieshttps://bit.ly/EncycloMediaSeriesI am now an Authorized, Infinite Banking Concept Practitioner through the Nelson Nash Institute and share that journey here:https://youtu.be/elXZQocKi3E?si=PbyN04eb_iy6Kas1⚔️ LIVE & LEAVE A LASTING LEGACY

These are the 5 Human factors from the book Becoming Your Own Banker (The Infinite Banking Concept) written by R Nelson Nash Parkinsons Law Willie Suttons Law The Golden Rule The Arrival Syndrome Use it or lose it In the book Becoming Your Own Banker, Nelson Nash writes, "If you control these 5 factors, you can be successful at Infinite Banking. And if you are successful with infinite banking it will put you miles ahead of your peers in the financial world." It is important to master these 5 human factors. In this podcast episode we go over each of these 5 factors and discuss them in detail. If you are learning more about Becoming Your Own Banker, this is a great place to start. Learn all about Becoming Your Own Banker and the infinite banking concept on audio with this podcast.   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  

Money Memo #09 Velocity of Money with Infinite BankingVelocity of money is achievable for the average American through Infinite Banking. Becoming your own banker allows you to take your hard-earned money and have it safely grow compound interest in a liquid asset. ⚔️ LIVE & LEAVE A LASTING LEGACY

Every investor faces the same quiet trade-off. The moment you move capital from savings into a deal, the money stops growing where it was. It is now in the deal,or it is in the bank, but it is not doing both. That is the either/or trap of conventional investing, and almost nobody questions it. There is a way out of it. https://www.youtube.com/watch?v=TErbvj7rheI&list=PLPvxD-a8qNrkdcvfxh4dG52MGGqHkS3TX&index=2&t=6s Done correctly, the Infinite Banking Concept breaks that either/or equation. Your cash keeps compounding inside a properly structured whole life insurance policy while you deploy borrowed capital into investments. The same dollars work in two places at once. This article walks through the mechanics, including the policy loan structure, the hidden cost of paying cash, the structural leverage of the death benefit, and what the system requires in practice. Rachel and Bruce both use this strategy in their own financial lives. It isn't theory. Key TakeawaysResetting the CurveThe Honest Math An Important Caveat The Mutual Difference How does Infinite Banking boost investment returns?What does "earning in two places at once" mean in whole life insurance?Is a policy loan free money?Why is paying cash for investments not always the best strategy?How is a policy loan different from a HELOC?What kind of whole life policy works for Infinite Banking? Key Takeaways Conventional investing forces an either/or choice. Your capital is in savings, or it is in the deal, never both. A policy loan doesn't drain your cash value; it places a lien against it. The full balance keeps compounding while the borrowed capital goes to work. This is how a properly structured whole life policy can boost investment returns. You earn from two assets at once. The math is honest, not magical. Loan interest is real, and the policy needs years to capitalize before it pulls ahead. Behavior matters more than design. You have to act like a banker, because in this system, you are one. Where Infinite Banking Fits in Your Cash Flow System The Wealth Creator's Cash Flow System divides personal finance into three stages. Stage 1 (Foundation) keeps more of what you earn. Stage 2 (Protection) insures and structures against risk. Stage 3 (Increase) makes your money work harder. Most Stage 2 tools do one job. IBC stands out: it's built on a whole life policy in Stage 2, but boosts Stages 1 and 3 too. Stage 1 link comes from Nelson Nash: 34.5 cents per dollar leaks to financing costs like mortgages, car loans, cards, and bank spreads. Swap a commercial loan for a policy loan, and those profits stay in your system, not with distant bank shareholders. Stage 3 is direct too. Policy loans fund investments without interrupting the policy's compounding. Cash value grows as your capital works elsewhere—Stage 3 power baked into Stage 2. Rachel calls it the cash flow sandwich: Foundation and Increase as bread, IBC as the filling that completes it. Why Paying Cash Isn't Actually Free Plenty of investors believe they have no financing costs because they pay cash for everything. They are correct that they aren't paying a bank. They are wrong that the cost is zero. When you pull $100,000 out of a savings account to fund a real estate deal, that $100,000 stops earning whatever it was earning. In today's environment, that is something close to 1%, which doesn't keep pace with inflation. You're paying with purchasing power that is quietly losing ground every year. But the rate is the smaller half of the problem. The deeper issue is the reset. Resetting the Curve Pull up an exponential growth curve. Slow at the bottom. Then steeper. Then steeper still. The hockey stick portion (the place where compounding actually does what people imagine compounding does) only shows up after years of uninterrupted growth. Most investors never get there. They put money in, then pull it out for a deal. The curve resets to zero. The deal closes, then the money goes back in. The curve resets again. In, out, reset, repeat. The compounding never actually happens. At least, not really. They are stuck on the flat part of the curve, dragging money back to the start every time an opportunity comes along. There is a parallel cost on the bank side. When you deposit money into a commercial bank, you are effectively lending that capital to shareholders you have never met. They deploy it. They keep the spread. You receive whatever rate they feel like offering, which is typically less than inflation. You take all the risk, and they keep the profits. Paying cash doesn't escape that system; it just hides the cost inside it. How Your Money Earns in Two Places at Once Imagine your cash value as a full cup. For illustrative purposes, say after 10 years it holds $1 million. The cup is growing, with guaranteed interest from the policy, plus non-guaranteed whole life insurance dividends from the mutual company's performance. That is the policy doing its protective job and accumulating value at the same time. Now you take a policy loan. $500,000. Watch carefully, the cup does not drain; it stays full. What changes is that the top half turns a different color. You might think of it as a lien. The insurance company has extended you $500,000 from their general fund, secured by the top half of your cash value. The full million is still inside the policy. The full million still earns interest and dividends. The borrowed $500,000 goes somewhere it can produce a return. A rental property, a business acquisition, a private lending deal, or equipment for an existing operation. That capital is now generating its own income or appreciation. You are now earning in two places at once. The investment is producing a return on the deployed capital. The policy is producing a return on the full cash value, exactly as if you'd never touched it. That is the mechanism that lets a properly used whole life policy boost investment returns far beyond what either piece could produce alone. The Honest Math  A note on the math, because this is where some IBC explanations get sloppy. The loan is not free. The policy can continue growing on the full cash value, but the insurance company still charges interest on the policy loan. For example, if the policy has $1,000,000 of cash value and you borrow $500,000 at 6.5%, the loan would create $32,500 of annual interest if no payments are made. If the policy grows by $40,000 that year, the policy growth is still $40,000. It is not reduced by the loan. But your net position is not simply, “I earned $40,000 and got $500,000 to invest.” You also have to account for the loan interest. And if you are being a good banker by making loan payments, the actual interest cost would be lower because the outstanding balance is being reduced over time. So the honest math is this: the policy keeps growing, the loan creates a lien and an interest cost, and the deployed capital has the opportunity to produce its own return outside the policy. That outside return is where the real upside lives. The power is not that the loan is free. The power is that the same dollar can remain at work inside the policy while also being redeployed into productive assets, as long as you manage the loan responsibly. The strategy is net positive when the policy is well capitalized, the loan is managed responsibly, and the investment return exceeds the loan cost. None of those conditions are guaranteed. All of them are achievable. Then comes the recycling. As cash flow from the investment repays the loan, the lien lifts. The colored portion of the cup returns to its original color. Once the loan is paid back, that capital is fully available again, ready for the next opportunity. Capitalize, borrow, invest, earn, repay, repeat. Same dollars. Multiple deployments. The compounding never resets. The Structural Leverage Most People Miss Here is a comparison most investors haven't worked through. Scenario A: $100,000 in a bank account. You die tomorrow. Your heirs receive $100,000. Scenario B: $100,000 in premiums paid into a properly structured whole life policy starting around age 50. You die tomorrow. Your heirs might receive $500,000. Five times the leverage, built directly into the contract. Now add the loan. You take a $100,000 policy loan and put it into an investment. The death benefit drops from $500,000 to $400,000 because the loan is collateralized against it. But the $100,000 is now working in a deal. Even if the investment breaks even (no gain, no loss), your family's net worth is $400,000 ahead of where the bank account would have left it. That is structural leverage. The advantage exists regardless of the investment's performance. Every dollar deployed through a policy loan carries a death benefit backstop that a bank balance simply doesn't have. An Important Caveat  This leveraged net worth advantage is most meaningful in the earlier years of a policy, when the death benefit is far greater than the premiums paid in. That gap is the source of the immediate leverage. Over time, as premiums are paid, the gap between total premiums paid and the death benefit begins to shrink. It does not disappear, but the leverage ratio compresses as the policy matures. Even so, the structural advantage can be significant. You are building accessible cash value that will exceed your contributions over time, while also maintaining a death benefit that remains above what you have personally paid into the policy and protects the family legacy. Why Policy Loans Beat HELOCs and Credit Lines for Investors The natural question: couldn't I do this with a HELOC, a personal line of credit, a margin account, or a 401(k) loan? It comes up almost every time the strategy is explained. The short answer: the underlying mechanics are different in ways that matter. ...

The Interview Series #46: Brandon Goswick & Nate DeanIn this episode of the Interview Series, I have a conversation with Brandon Goswick and Nate Dean.These gentlemen are both well-practiced in implementing Infinite Banking personally and also as professionals in the IBC footprint. Both are recognized as Authorized Practitioners and as mentors with the Nelson Nash Institute. In this video, we cover their own journey and how they're helping clients today!To connect with Brandon and Nate:www.unlimitedlifeconcepts.com⚔️ “LIVE & LEAVE A LASTING LEGACY”

In part two of this two-part episode, James and Jake build on their discussion by exploring the consequences of improper policy design and the long-term impact of front-loading premium. They walk through better ways to structure policies, including the use of premium deposit accounts, and emphasize the importance of maintaining efficiency 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.

Family Banking Ep. #06: Infinite Banking - Allocating Cashflow With Your Children In this episode of our Family Banking Series, I sit down with our two oldest children to have a conversation about cash flow allocation for Infinite Banking.We discuss cashflow allocation for assets, business, charitable giving, an emergency fund, and for fun. As our own bankers we first prioritize our cashflow to our private family banking system of whole life insurance policies. From there, we discuss what else we may want to do. Want more from our Family Banking Series?Check it out here: https://bit.ly/FamilyBankingSeries ⚔️ “LIVE & LEAVE A LASTING LEGACY”

Money Memo #08 Safe Money in Bad TimesWhole Life insurance policies, properly structured, from dividend-paying mutual life insurance companies are the best assets to get and use in good financial times and in downturns. When those policies are used for one's need of finance as a private family banking system, that's when you become your own banker. ⚔️ LIVE & LEAVE A LASTING LEGACY

The Interview Series #45: The First Family of Infinite Banking- David Stearns and Leigh BarganierIn this episode of the Interview Series I have a conversation with my friends, and the first family of the Infinite Banking Concept, David Stearns and Leigh Barganier.David is the President of the Nelson Nash Institute and the son-in-law of Nelson Nash the author of the book, Becoming Your Own Banker. Leigh is the Director of Marketing for the Nelson Nash Institute and the granddaughter of Nelson Nash.We discussed their family history, their implementation of infinite banking at a personal level and where they are today.To connect with the Nelson Nash Institute go to www.infinitebanking.org⚔️ “LIVE & LEAVE A LASTING LEGACY”

In part one of this two-part episode, James and Jake discuss the idea of getting large amounts of money into whole life policies and the risks of trying to front-load too much premium in year one. They introduce MECs and highlight common misconceptions around policy structure. 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.

Money Memo #07 Trump AccountsIn this Money Memo I share my perspective on government qualified plans, financial independence, personal responsibility, and more as it regards the Infinite Banking Concept and Becoming Your Own Banker. ⚔️ LIVE & LEAVE A LASTING LEGACY

Reserve your spot for the next Passive Income Flywheel Masterclass: 

Entrevista del Concepto Bancuario Infinito #44: Nancy HidalgoEn este episodio del serie de entrevistas, hablo con mi amiga Nancy Hidalgo. Nancy es madre, agente de seguros y una profesional del Concepto Bancuario Infinito (IBC), autorizada por el Nelson Nash Institute. Ha sido un placer para mí conocer y trabajar con Nancy. Es posible convertirte en tu propio banquero. Espero que aprendas de nosotros como reconocer el problema financial de cada uno de nosotros, controlar el proceso del bancario y obtener los resultados de las garantias del producto particular: la poliza de vida entera, diseñada espeficamente. Para hablar con Nancy:Instagram: https://www.instagram.com/hidalgoinfinitelegacy?igsh=MW4ydG95Y2JvZmFtbw==Phone: +1 (407) 288-0252⚔️ “LIVE & LEAVE A LASTING LEGACY”

Découvrez comment cet investisseur autodidacte et athlète d'endurance, s'apprête à révolutionner l'Infinite Banking en Amérique du Nord avec le lancement de Loop Capital !Aujourd'hui, je reçois un invité au profil exceptionnel, quelqu'un qui a pris sa vie à bras-le-corps : Philip Goyer.Dans cet épisode, il nous dévoile les coulisses de son livre "Réécrire la richesse", où il décortique la psychologie, la culture et les tabous francophones qui nous empêchent de prospérer.Mais surtout, cet épisode est l'occasion d'une annonce explosive : le lancement officiel de "Loop Capital". Philip nous explique pourquoi il a décidé de fonder ce cabinet d'envergure dédié à l'Infinite Banking Concept (IBC). Il nous présente sa vision pour démocratiser cette stratégie financière utilisée par le 0,1% grâce à des "Banking Classes" gratuites, et l'importance de bâtir un écosystème collaboratif avec des conseillers certifiés par le Nelson Nash Institute (NNI). Préparez-vous à changer de paradigme financier !▬▬▬▬▬▬▬▬▬

In this eighth installment of our client story series, more Banking With Life clients share their experiences with the Infinite Banking Concept®. These conversations continue to highlight the real-world impact of taking control of one's financial future, demonstrating how the consistent application of Nelson Nash's principles can create lasting benefits across generations. As always, we hope you enjoy the episode and thank you for listening!Client Stories Playlist: ➫ www.youtube.com/playlist?list=PLx…9KI2F26g2M1pvHt_fMake 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.

Money Memo #6 A Message from William WallaceIn this Money Memo we have a message from William Wallace on the dangers of being financial servants to the banks and on the freedom of Infinite Banking!⚔️ LIVE & LEAVE A LASTING LEGACY

Everyone is chasing the "perfect investment": Higher returns, bigger upside, faster growth. But almost no one stops to define what a 'perfect investment' actually is. In this episode, Jim Oliver and Nick Kosko break it down using Nelson Nash's framework from The Case for IBC. Instead of chasing returns, they walk through the 16 real attributes that matter when deciding where to store your money. From consistency and liquidity to control, tax advantages, and protection, this conversation exposes why most traditional vehicles fall short and why people are asking the wrong question entirely. Because the goal isn't to find the next hot investment. The goal is to control capital and make it work for you over time. Key Takeaways - The 16 attributes to consider when deciding where to store your money. - Average returns don't reflect real-world outcomes - Liquidity and control determine how useful your money actually is - Taxes and inflation quietly erode most strategies - The right system prioritizes stability, access, and long-term control Stop chasing returns. Start building a system where your money is safe, controlled, and working for you consistently. Chapters 00:00 Introduction: What Is the "Perfect Investment"? 02:04 Why Rate of Return Misleads Investors 03:48 Average vs Actual Returns Explained 06:00 The Need for Consistency and Stability 06:54 Why Safety Matters More Than Hype 07:10 Liquidity: Can You Access Your Money? 08:03 The Power of Guarantees 08:13 Why Taxes Matter More Than You Think 09:12 Market Volatility and Emotional Investing 10:26 Cash Flow vs Capital Gains 11:34 Creditor Protection Explained 12:24 Inflation: The Silent Wealth Killer 15:20 Control: Who Really Owns Your Money? 15:56 Transferability and Flexibility 16:20 Simplicity and Ease of Management 17:11 Hidden Fees and Why They Matter 18:13 Why Track Record and Reputation Matter 19:34 Private vs Public Control of Money 20:52 Why Infinite Banking Checks the Boxes ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance.  IUL insurance has become one of the most aggressively marketed policy types in the industry, pitched with language that sounds almost too good to overlook, including terms such as market-linked upside, downside protection, tax-advantaged growth, and flexible premiums. https://www.youtube.com/live/fZS1uPmsCS0 Some of that is real, but we feel strongly that context and nuance should be applied when procuring any IUL policy, as it can obscure risks that don't become apparent until years after you have signed. This article is an honest guide to what an IUL policy actually is, how it works under the surface, what it promises versus what it delivers, and why, for those building a financial strategy around Infinite Banking, we consistently and strenuously recommend a different path. Key TakeawaysWhat Does Indexed Universal Life Insurance Mean?How Does an IUL Policy Work?The Floor, Cap, and Participation Rate ExplainedThe FloorThe CapThe Participation RateFlexible Premiums – Feature or Risk?IUL vs. Whole Life Insurance: Key DifferencesCan You Use an IUL for Infinite Banking?Why The Money Advantage® Recommends Whole Life for IBCWho Is IUL Best Suited For?IUL Pros and Cons: An Honest AssessmentWant Help Evaluating Your Policy Options? Key Takeaways An indexed universal life insurance policy is a form of permanent life insurance that ties cash value growth to the performance of a stock market index, subject to caps, floors, and participation rates. IUL offers flexible premiums and the potential for market-linked returns without direct market exposure. That flexibility, however, comes with complexity and risk that most sales presentations understate. The 0% floor protects against index-driven losses, but it does not protect against policy fees and rising cost of insurance charges, which can erode cash value even in flat or positive market years. For those practicing Infinite Banking, IUL introduces variables that conflict with the certainty and control the strategy requires. Whole life insurance remains the preferred vehicle. IUL is not inherently a scam or a bad product. It is, however, a complex one, and complexity without understanding is where financial damage happens. What Does Indexed Universal Life Insurance Mean? An indexed universal life insurance policy is a type of permanent life insurance with two distinguishing features: flexible premiums and a cash value component that earns interest based on the performance of a stock market index, most commonly the S&P 500. You don't own shares or invest directly in the market. Instead, the insurance company credits interest to your cash value based on how the chosen index performs over a given period, within defined parameters, including a floor (usually 0%), a cap (often 10-12%), and a participation rate (the percentage of index gains you actually receive). The core appeal of an indexed universal life insurance policy is quite understandable, as you get some exposure to market growth without the risk of direct market loss. Your cash value won't decline because of a bad year in the S&P 500, and that's exactly what the floor is for.  But with that comes a caveat: your gains are limited in strong years by the cap and the participation rate. Now, on the face of it, that may sound like a reasonable tradeoff. And for some people, in some situations, it certainly can be. But the full picture is far more complicated than the pitch suggests, and, once again, the complications tend to show up years down the road. How Does an IUL Policy Work? The mechanics of an IUL policy involve more moving parts than wholelife insurance, and understanding those parts is essential before committing to one. When you pay a premium, that money is allocated across three buckets: the cost of insurance (COI) – the actual price of maintaining your death benefit – policy fees and administrative charges, and whatever remains flows into your cash value account. The cash value is then credited with interest according to the index strategy you've selected. This is where the structure differs most from whole life insurance. With a whole life contract, your cash value growth is guaranteed by the contract, and dividends from a mutual company add to that growth. With IUL insurance, your credited interest depends on external index performance, constrained by the carrier's rules, which the carrier can change. That glaring distinction is far more telling than it might seem at first glance. The Floor, Cap, and Participation Rate Explained These three mechanics define the boundaries of your IUL's cash value growth, and they deserve a close look. The Floor The floor is the minimum interest credited to your cash value in any given period, usually 0%. If the S&P 500 drops 15% in a year, you are credited 0% rather than absorbing that loss.  That sounds protective - and it is, in a narrow sense.  But a 0% credit year doesn't mean your cash value holds steady. Policy fees and cost of insurance charges are still deducted regardless, which means your cash value can shrink even when the floor is doing its job. The Cap The cap is the maximum interest credited, regardless of how well the index performs. If your policy has a 10% cap and the S&P 500 returns 25% in a given year, you receive 10%. The other 15% stays with the insurance company. In a strong bull market, the cap quietly siphons off the upside that made the product appealing in the first place. The Participation Rate Finally, we have the participation rate, which determines what percentage of the index gain (up to the cap) you actually receive. An 80% participation rate on a 10% index return means you are credited 8%. However, caps and participation rates are not permanently fixed. Insurance carriers can adjust them. The concern here is that what may be illustrated at the point of sale may not be what you experience five, ten, or twenty years into the policy. Flexible Premiums – Feature or Risk? One of the most marketed features of indexed universal life insurance is premium flexibility. Unlike traditional whole life, where the base premium is fixed and contractually guaranteed, IUL allows you to vary premiums within certain limits. You can pay more in strong years and less in lean ones. While whole life with paid-up additions riders can also offer flexibility for adding extra premium, those additional contributions are optional. Traditional whole life does not depend on extra rider premiums to keep the policy in force. That sounds like freedom. In reality, it could be viewed as a trap, of sorts. The issue is that underfunding an IUL policy (paying less than the amount needed to cover insurance charges and fees) doesn't trigger an immediate consequence. The policy stays in force, but the shortfall compounds over time.  Alarmingly, because the cost of insurance in a universal life chassis increases as you age, the gap between what you're paying and what the policy requires can widen dramatically in your 60s, 70s, and beyond. This is one of the most commonly realized negatives of IUL insurance. Policyholders who reduced premiums during their working years discover decades later that their policy is on the verge of lapsing, and the cost to keep it alive has absolutely skyrocketed. By the same token, flexible premiums can work for disciplined, well-informed owners who understand the risks. But the flexibility itself is not the safety net it is frequently marketed as - it's an anxiety-inducing variable that requires active management for the life of the policy. IUL vs. Whole Life Insurance: Key Differences A huge number of people researching IUL are comparing it to whole life. But while the two products are both permanent life insurance, their internal architecture is fundamentally different. IULWhole LifeCash value growthTied to index performance, subject to caps, floors, and participation rates. Not guaranteed.Contractually guaranteed growth, plus highly anticipated dividends from a mutual company.PremiumsFlexible - can vary year to year.Fixed and level - guaranteed never to increase.Cost of insuranceIncreases annually with age. Deducted from cash value.Built into the level premium structure. No separate increasing charge.Death benefitCan fluctuate depending on funding and policy performance.Guaranteed for life.ComplexityHigh - multiple moving parts, carrier-adjustable terms.Low - contractually defined.Policy loan behaviorLoan interest plus uneven crediting can create negative arbitrage.Predictable. Cash value continues to earn while loans are outstanding. Either way, neither product is universally or objectively better. They serve different purposes, and the differences in guarantees, predictability, and internal cost structures are significant, especially for anyone planning to use their policy as a long-term financial tool. Can You Use an IUL for Infinite Banking? Some advisors market indexed universal life for “banking” strategies, making the case that IUL's potential for higher returns makes it a superior vehicle for building a personal banking system. That is not the same thing as the Infinite Banking Concept as taught by Nelson Nash. As Authorized Infinite Banking Practitioners, we believe Infinite Banking is properly implemented with dividend-paying whole life insurance because the concept is about becoming your own banker by taking the banking function into your own life. And our position is not arbitrary. The Infinite Banking Concept is built on predictability, certainty, and control. You need confidence in how your cash value system will function over time.  You need guaranteed access to policy loans. You need a death benefit that doesn't fluctuate....

The Round Table Series #17 Infinite Banking After 40In this council of The Round Table we discuss matters that may be more pertinent for those of us who are 40 years old and beyond and are implementing the Infinite Banking Concept. Guests:Rob Brayton: www.perfectspiralcapital.comHis Book: www.afathershandbook.comYouTube channel:https://youtube.com/@robbraytonpsc?si=EnllETF3VVrc2zerDavid Hammer:Email: hammerd3@gmail.comPhone: 201–709–6158 Will Fullington: reformedfinance.netEmail: re4medfinance@gmail.comPhone:  702-527-1776RESOURCES MENTIONED:Infinite Banking Before 40 https://youtu.be/-0-zaHXNL9s?si=dPkl6BMjRniWosscThe Interview Series https://bit.ly/InfiniteBankingInterviewsPolicy Illustrations https://youtu.be/w9vEoYTxlS8?si=K4zpcM7SIqtbNmtjI hope you enjoy and learn!⚔️ “LIVE & LEAVE A LASTING LEGACY”

In this eleventh installment, James explains how Paid-Up Additions (PUAs) work within whole life insurance and the Infinite Banking Concept®. He covers how PUAs build early cash value, add death benefit, and why policy design should be based on the individual rather than fixed ratios. As always, we hope you enjoy the episode, and thank you for listening!Banking With Life Topical Series ➫ www.youtube.com/playlist?list=PLx…7SXH80xl_81VgTXrDMake 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.

Is whole life insurance the right choice for your financial future? In this episode, Russ and Joey break down why whole life insurance is the ideal choice for infinite banking compared to Indexed Universal Life (IUL) or Variable Universal Life (VUL), both of which have gained attention in recent years.Nelson Nash, the founder of IBC, believed that whole life insurance provides the most reliable and predictable returns, as opposed to the volatility and limitations of IUL and VUL policies.Tune in to understand the differences and why whole life could be essential in your financial freedom journey.Top three things you will learn:-Why whole life insurance is the best choice for infinite banking-The risks of using IUL and VUL for infinite banking-How to build long-term wealth with whole life insuranceDisclaimer: 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.

The Interview Series #43: Sergio LoaizaIn this episode of the Interview Series I have a conversation Sergio Loaiza. Born in Columbia, South America, with a varied entrepreneurial background, Sergio is a husband, father and is a licensed insurance agent specializing in Infinite Banking. I hope you enjoy our conversation, learn and apply!To connect with Sergio:Personal Instagramhttps://www.instagram.com/sergpro11?igsh=MW1lamc2ZnpjNWsyMA%3D%3D&utm_source=qrProtect Your Legacy Instagramhttps://www.instagram.com/protect.your.legacy?igsh=MXRsMHM4cHZqbTc2Yw==YouTubehttps://youtube.com/@protectyourlegacy?si=FsIk3gsfSc-c-mUZWebsite https://start.protectyourlegacylife.com/infinite-banking-blueprint63419257⚔️ “LIVE & LEAVE A LASTING LEGACY”

In this episode, James explains the key differences between whole life insurance and IUL within the Infinite Banking Concept®, focusing on control, guarantees, and long-term capital formation. He breaks down how policy structure impacts performance and addresses common misconceptions around “market-like returns.” As always, we hope you enjoy the episode, and thank you for listening!Infinite Banking Foundations Series: ➫ www.youtube.com/playlist?list=PLx…H91ORIHB5nwNpQSMEMake 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.

✈️ Retire Pilots the Right Way!

Explore and learn the key points from the book Rich Dad Poor Dad written by Robert Kiyosaki. Build a system of assets instead of liabilities. Learn to think like the rich instead of like the poor and middle class. Dr. Steve Hryszczuck read Rich Dad Poor Dad and implemented some of the principles of the book into his life. The results yielded a system of assets providing a cashflow return. We sat down with Dr. Steve and he shares and explains what he has done, and how it is working for him in these two episodes here: Real Estate Investing with Dr. Steve Hryszczuk: https://youtu.be/_r552FyHfc0 Infinite Banking and Real Estate with Dr. Steve Hryszczuk: https://youtu.be/aFqxeENXIiY  –––––––––––––––––––––––––––––––––––––––––––––––––– On wealth talks podcast we break down Nelson Nash's revolutionary Infinite Banking Concept step by step. Learn exactly how to start infinite banking, including: - Choosing the right dividend-paying whole life policy and adding powerful riders - Properly overfunding your policy to maximize early cash value growth (without triggering MEC rules) - Borrowing against your cash value tax-free while your money continues compounding - Repaying yourself on your terms to recapture interest banks normally keep - Real-world examples, common mistakes to avoid, and tips for building generational wealth Discover how to start infinite banking and take control of your finances with the Infinite Banking Concept (IBC) — the proven strategy to become your own banker using dividend-paying whole life insurance. Whether you're new to the Infinite Banking Concept or looking to optimize your existing setup, we explain the fundamentals in plain English — no hype. Hear from verified IBC practitioners, policyholders who've implemented the strategy successfully, and experts who reveal how the wealthy use privatized banking to finance cars, homes, investments, and businesses without traditional lenders. If you're searching for how to start infinite banking, tired of losing interest to banks, or ready to build a personal banking system that grows wealth safely and predictably, subscribe now and start your journey to financial independence. New episodes drop weekly. Listen on Apple Podcasts, Spotify, or your favorite platform — and take the first step toward becoming your own banker today! #InfiniteBanking #BecomeYourOwnBanker #WholeLifeInsurance #FinancialFreedom #CashValueLifeInsurance 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  

Most people don't realize they're working for the bank. In this episode, Jim Oliver breaks down the core ideas and legacy of R. Nelson Nash, the creator of the Infinite Banking Concept. From crushing debt at 21.5% interest to discovering a system that flips the flow of money, this is a direct look at how banking really works and how to take control of it. Jim walks through Nelson's most powerful teachings, including the idea that you finance everything you buy, why "paying cash" is a myth, and how recapturing interest can completely change your financial trajectory. This is not about buying a policy. It's about changing how you think about money, control, and ownership. Key Takeaways You finance everything you buy, either by paying interest or giving it up The problem is not interest rates, it's the volume of interest leaving your life Infinite Banking is about owning the banking function, not just buying insurance Most people unknowingly operate as consumers, not owners Wealth comes from controlling capital, not chasing returns The solution to your financial problems is not more money. It's a shift in how you control and use the money you already have.     Chapters 00:00 Introduction to Nelson Nash and the Banking Problem 01:00 The 34.5% Problem: Where Your Money Is Really Going 02:21 The Airplane Analogy: Headwinds vs Tailwinds 03:30 Nelson Nash's Story: Debt, Crisis, and Discovery 04:48 Discovering Infinite Banking Through Whole Life 06:00 The Turning Point: Understanding Who Controls the Money 07:10 The Grocery Store Lesson: Don't Steal the Peas 08:30 You Finance Everything You Buy 09:25 The Lie Most People Believe About Money 10:30 Key Principles from Nelson Nash 11:52 Capitalization: Why You Need Money Ready to Deploy 13:00 He Who Has the Gold Makes the Rules 14:14 The Mindset Shift That Changes Everything 15:30 Volume of Interest vs Rate of Return 16:43 Why Most People Fail at Infinite Banking 18:00 The Power of Taking Action and Building a System 19:09 Nelson Nash's Legacy and True Wealth 21:00 How to Get Started and Learn More  

In this tenth installment, James examines common alternatives to the Infinite Banking Concept® and explains why they often fall short. He breaks down popular options such as universal life, qualified plans, and other financial strategies, highlighting the structural issues, long-term risks, and misconceptions that can lead to disappointing 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.

On todays episode 566, we break down how to fund dividend-paying whole life insurance used with the Infinite Banking Concept, including: - Paying your policy premium - How to stop paying a premium on a whole life policy - Retirement with a policy designed for Infinite Banking - Riders and Premiums on dividend-paying whole life insurance Get The Show Notes Here: https://mcfieinsurance.com/podcasts/funding-whole-life-insurance-for-infinite-banking/   On wealth talks podcast we break down Nelson Nash's revolutionary Infinite Banking Concept step by step. Learn exactly how to start infinite banking, including: - Choosing the right dividend-paying whole life policy and adding powerful riders - Properly overfunding your policy to maximize early cash value growth (without triggering MEC rules) - Borrowing against your cash value tax-free while your money continues compounding - Repaying yourself on your terms to recapture interest banks normally keep - Real-world examples, common mistakes to avoid, and tips for building generational wealth Discover how to start infinite banking and take control of your finances with the Infinite Banking Concept (IBC) — the proven strategy to become your own banker using dividend-paying whole life insurance. Whether you're new to the Infinite Banking Concept or looking to optimize your existing setup, we explain the fundamentals in plain English — no hype. Hear from verified IBC practitioners, policyholders who've implemented the strategy successfully, and experts who reveal how the wealthy use privatized banking to finance cars, homes, investments, and businesses without traditional lenders. If you're searching for how to start infinite banking, tired of losing interest to banks, or ready to build a personal banking system that grows wealth safely and predictably, subscribe now and start your journey to financial independence. New episodes drop weekly. Listen on Apple Podcasts, Spotify, or your favorite platform — and take the first step toward becoming your own banker today! #InfiniteBanking #BecomeYourOwnBanker #WholeLifeInsurance #FinancialFreedom #CashValueLifeInsurance

In this ninth installment, James focuses on the death benefit within whole life insurance and the Infinite Banking Concept®. He explains how it relates to cash value and how policy structure, loans, and premiums can impact it 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!➫ 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, Chris, Mike C., and Mike K. dive deep into the third thing IBC can do — what Nelson Nash called Passive Income. Nelson famously removed the word “retirement” from his vocabulary, but what did he actually mean by that? The team explores the history of retirement as we’ve come to know it, unpacks what Nelson laid out in Becoming Your Own Banker, and shares real-world examples alongside the Life Success & Legacy approach to teaching this powerful principle. The post Is “Retirement” a Bad Word? Passive Income, Nelson Nash’s Philosophy, and the LSL Team’s Take appeared first on Life Success Legacy.

In this episode, James Neathery explains the foundations of the Infinite Banking Concept® and how individuals can take control of the banking function in their own lives. Using properly structured dividend paying whole life insurance issued by mutual companies, the Infinite Banking Concept focuses on building capital, maintaining control, and thinking long range about money.If you want to better understand the Infinite Banking Concept, start with Becoming Your Own Banker by Nelson Nash and explore the principles behind controlling the banking function in your own life.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.

Caleb Guilliams confronts Logan Hertz from @HazeltineLLC over his controversial video calling out Nelson Nash and the Nelson Nash Institute. Did Logan's criticisms go too far?Watch the Video on Youtube for Visuals - https://youtu.be/aZCFOdmR4FkWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityBuy Your Tickets to the Life Insurance Summit!Click Here: https://betterwealth.com/summitLearn More About BetterWealth: https://betterwealth.comTimestamps:00:00 Intro01:30 Logan's Video Criticizing Nelson Nash02:22 Why was the video made?03:45 Was there a trigger point for the video?05:24 Challenging the material and Nelson's principles07:26 Personal experience with Nelson Nash and the Catholic discussion10:59 Response to "Stirring the Pot" and Nelson's character13:21 Becoming aware of the content in Nelson's book15:42 Can you be apart of the Nelson Nash Institute and be a Catholic?19:50 What Logan Respects About R. Nelson Nash30:52 Articulation of the Infinite Banking Concept33:56 Why Nelson and the book took off?36:24 How the Institute should be funded: Donations vs. Free Market40:47 Thinking long range vs. Biblical principles and living intentionally43:57 Philosophical differences and estate planning45:15 Nelson's use of scripture in his book51:09 Focusing on ideas and self-criticism53:51 Cultish worship vs. honoring Nelson Nash57:39 Final ThoughtsDISCLAIMER: 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 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.