Episodes
IBC and Internet "Rabbit Holes"
Infinite Banking is generating even more buzz as we head into 2021. Unfortunately, a lot of information found on the internet from advisors piggy backing on the IBC name without being properly affiliated with the Nelson Nash ...
Who Should You Insure First?
In this week's episode, we discuss who to insure first (yourself, spouse, or your child) when getting started with IBC. This topic came about because as IBC practitioners, we've found that people often think it's best to go w...
A Financial Bunker For Hyperinflation, Pandemics, and Everything Else
The year 2020 has been one to forget for so many reasons and there are a lot of concerns and questions about what to do financially. Should we be buying precious metals, crypto, keep investing the market, and how in the wor...
What Is Our Biggest Financial Problem?
The average American is conditioned to give up control and access of their money, chase rate of return, and hope it all works out in the end. It's a huge financial problem that affects every household that follows the mainstr...
The Ideal Characteristics For The Perfect Investment
In this week's episode, IBC authorized practitioner's John Montoya and John Perrings discuss all the ideal characteristics you should want if the perfect investment existed. In other words, where is the best place for money? ...
How, When, and Should You "Pay Up" A Whole Life Policy?
In this week's episode, IBC practitioners John Montoya and John Perrings discuss what separates the average Whole Life policy from an Infinite Banking designed Whole Life policy when it comes to the flexibility of deciding wh...
Taking Advantage of Human Life Value
In this week's episode of The Fifth Edition, we discuss how and why you should be taking advantage of your Human Life Value, especially as it pertains to the Infinite Banking Concept. If you're thinking long range, you should...
Whole Life Is Not An Expense
In today's episode we discuss Whole Life insurance to better understand the expense side of Whole Life policies and how it relates to the Infinite Banking Concept. Whole Life can be the lowest cost coverage over time because ...
3 Life Lessons IBC Teaches You About Money
When you practice Infinite Banking, you quickly learn how it's a complete change in perspective with how you view and manage your money. In this week's episode we discuss the 3 most important life lessons that IBC has taught ...
Do You Really Have a Whole Life Policy?
You might not believe how many people think they own a Whole Life policy when in fact they don't! In this episode of The Fifth Edition, we discuss how to know for sure what type of permanent life insurance policy you own and...
Why You Should Avoid IBC
We are going to be counterintuitive in this particular espisode. We've discussed all the reasons why people should learn and get started with IBC in previous episodes. Now we flip the IBC concept upside down. Why should you a...
Life Insurance Policy Design
In today's episode we discuss the importance of having a life insurance plan customized to fit your unique situation. It's common to think of life insurance as a commodity but that's a huge mistake. To maximize all the bene...
The Safety of Life Insurance Companies
In today's episode we have fun discussing the safety of the life insurance industry. For most people parking money in a life insurance contract seems like an odd thing to do but the life insurance industry is the bedrock of t...
Being Smarter About Reducing Debt
In today's episode we talk about debt reduction, interest rate vs. interest volume, prioriting which debts to pay off first, and whether it makes sense to prepay your mortgage. If you have debt but would like to get started w...
Choosing A Life Insurance Company & How Long To Long To Fund Your IBC…
In today's episode we discuss two seemingly important IBC topics: How to choose a life insurance company and how long to fund your IBC plan. Don't get stuck "majoring in the minors" though. Listen in to learn more about Infi...
How To Best Use Your IBC Policy
While getting starting with IBC is certainly important 1st step to implementing your own family banking system, what's the next step? In this episode, we discuss the best uses for IBC. Don't just set it and forget! We give ...
IBC as a Volatility Buffer
In today's episode IBC practitioners John Montoya and John Perrings discuss the benefits of utilizing IBC as a volatility buffer in conjunction with your 401k/IRA's to ensure you don't run out of money in retirement.
Understanding Paid-Up Additions
In today's episode, IBC authorized practitioners John Montoya and John Perrings discuss the value of Paid-Up Additions as it relates to the Infinite Banking Concept. How does it work? How flexible is it? How long should you...
Chasing Rate of Return
In this episode, IBC advisors John Montoya and John Perrings discuss rate of return as it relates to the Infinite Banking Concept. It's not what you think. In fact, it's way more. By learning about IBC you'll learn to re-...
Understanding Policy Loans
In this episode of The Fifth Edition, IBC practitioners John Montoya and John Perrings discuss policy loans from different angles. You'll learn why policy loans are beneficial to the IBC strategy, the different uses for poli...
IBC Myths and Misconceptions
In this episode of The Fifh Edition, IBC authorized practitioners John Montoya and John Perrings discuss the most common myths and misconceptions the public has about the Infinite Banking Concept and Whole Life insurance poli...
What is Infinite Banking?
In this first episode of The Fifth Edition IBC authorized practitioners John Montoya and John Perrings discuss the Infinite Banking Concept (IBC) at a 30,000 foot level so you have a foundational understanding of the why you ...