Episodes

Out of all the misunderstandings about whole life insurance, the idea that it gets a "terrible rate of return" is probably the most common. But is it true?

A financial mania is when everyone is clamoring to buy the same thing at the same time at any price. Isn't that exactly what the typical financial planning advice has us do? Just about everyone you know is, right now …

Certainty has a true economic value, and the predictability of a whole life premium over decades is a true financial boon. Tune in to learn all about it!

We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond. It's not called "Whole Life" insurance for nothing! Tune in...

If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds.

When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time. With money, we must use financial math to account for the time variable. When we do that, …

This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security. There really is no other asset like whole life insurance!

When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day. Because whole life insurance is an asset that builds equity, not all premiums are a true …

Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk... Nothing could be further from the truth. IUL is not an investment, and it's not just "unbundled whole …

Today, we have a special guest, Dave Mozeika, co-founder of the cash flow platform called Currence. In episode 103, we discussed the problem of a lack of focus on savings and spending. Today's topic, Currence, is the solution...

In this episode, we'll discuss how IBC positively affects every stage of life, from your first job and accumulation to retirement and transferring a financial legacy.

Is it ever appropriate to not pay a premium for a long time? A "Single-premium" whole life policy is designed for one premium, and that's it. As usual, there are significant tradeoffs to this type of design, the biggest of …

In this episode, we share a "recurring expense funds" model that proves the mechanics of using The Infinite Banking Concept to better pay for large recurring expenses.

Do you even *want* to get well financially? Humans tend to reject solutions to their problems. In the book Becoming Your Own Banker, Nelson Nash talks about the problem most people face: they do not have control over their need …

Buying things based on interest rates alone can be a big problem. We seeing the proof of that right now in the commercial real estate market where owners having to refinance at higher rates is causing fire-sales pretty much a...

We're here to show you that good, old-fashioned money saving might soon be viewed as the next "hack" to gaining financial freedom. Contrary to popular opinion, it's incredibly powerful and not as hard as you think.

Ian talks about how, by ditching his ego and focusing on capitalizing (Infinite Banking) first rather than rushing to own more real estate "doors," he has become a much more discerning investor.

Ten things you should know when getting started with The Infinite Banking Concept®. Join us as we discuss a list John Montoya created over a decade ago. It was no surprise to us that all 10 points are still applicable …

In the 100th episode of the Strategic Whole Life Podcast, hosts John Montoya and John Perrings bring together two of their best clients to share their real life experiences with The Infinite Banking Concept (IBC).

When people think of tax-advantaged financial assets, they often think of ROTH accounts and municipal bonds. It's often acknowledged that life insurance has preferential tax treatment, but just as often dismissed because of what they think they know about permanent …

In this episode, I was a guest on the Wealth Warehouse podcast with Dave Befort and Paul Fugere and also joined by Brandon Goswick and Nate Dean, hosts of Cash Flow Legendz. These are a few of my inner-circle Authorized …

In this episode, we get into the essential attitudes that set buyers up to get the most out of their whole life insurance policy. Not surprisingly, they match up to those needed to practice The Infinite Banking Concept™!

In this week's episode, we compare policy loans from a whole life insurance policy vs. margin loans. When discussing policy loans used with the Infinite Banking Concept™, sometimes people will be dismissive of the strength of policy loans because they …

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we talk with Walter Young, co-author of The Fifth Option, about a transformative approach to retireme...