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. Tune in! ---- EPISODE HIGHLIGHTS: (02:08) Starting Your Financial Journey: First Job (10:47) Building a Family and Financial Security (19:50) Accumulation Phase: Growing (and Protecting) Your Wealth (24:40) Pre-Retirement Planning: Maximizing Efficacy (30:43) Retirement Phase: Leveraging Certainty Assets (37:20) Legacy Transfer...

We have spent a lot of time discussing why paying premiums is great and why we should want to pay them for as long as possible. From an Infinite Banking perspective, why would we not want to capitalize our "bank" to the greatest extent possible? This begs the question: 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...

How and when should you use IBC to pay for expenses vs just paying cash? 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. Subscribers to the IBC MASTERY online course can watch a deep-dive video explanation of the recurring expense fund model. ---- EPISODE HIGHLIGHTS: (00:58) The Capitalization Phase Explained (03:28) Mindset and Financial Strategy (08:49) Practical...

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 for financing throughout their lives. If there is a solution to this problem, can you think of any reason not to embrace it or, at minimum, to make some effort to understand it? Embrace the solution, friends! ---- EPISODE HIGHLIGHTS: (00:18) Humans Have a Tendency of...

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 across the board. It's also true with other asset classes like whole life insurance. Sometimes people will pass up whole life because they think they can get better rates on either growth or loans somewhere else. But one thing we know is true: Rates change. People who...

Be sure to check the link below for additional resources in this episode! This week, we discuss the almost unreal financial potential of saving money. Yes, saving money. In today's world of unicorn startups, crypto, and all-time-high bull markets, saving money can sometimes seem like a wasted effort. 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...

This week, we talked to a real client, Ian King, who has an impressive professional life. Ian works full-time in enterprise tech but is also a business owner and successful real estate investor. 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. Ian King on LinkedIn ---- EPISODE HIGHLIGHTS: (03:02) The process of learning IBC (09:12) 1:1 equity...

After publishing our 100th episode last week, we thought we'd take it back to basics for episode 101 and provide an "IBC 101" episode. 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 today. That's how principles work! Whether you're brand new or an IBC veteran, trust us: there will be something here for you. EPISODE...

In the 100th episode of the Strategic Whole Life Podcast, hosts John Montoya and John Perrings bring together two of their best clients, Declan Wilson, owner of Bannside Construction, an SF Bay Area general contracting company, and Brant Scheifler, CEO of Automatic Outreach, a North Carolina SEO company, to share their experiences with The Infinite Banking Concept (IBC). We talk about how they discovered IBC, its impact on their financial strategies, and how IBC's flexibility and security...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. 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 life insurance. In today's episode, John Montoya will convey to you why you should not gloss over the tax advantages of...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. 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 IBC Practitioner colleagues who were all in attendance at this year's Infinite Banking Think Tank, hosted by the Nelson Nash Institute in Las Vegas. In this episode,...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. 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™! Curiosity and Courage are key drivers to cutting through all the noise in the financial world so that you can have the ultimate control over your financial life and...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. 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 have the ability to borrow on margin aginst the value of their stocks. But policy loans vs margin loans are an apples-to-oranges...

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 retirement income planning. Walter challenges typical retirement planning and the "4% Rule" and offers solutions to live a plentiful retirement based on predictable income. When you only have one shot at this, cash flow beats "balance sheet" (aka "B.S.") retirement planning every...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. Today's episode is for those spouses looking for ways to get their significant other on board with The Infinite Banking Concept. Let's work together to get some financial harmony in our lives! As Montoya puts it, IBC is a "common sense test," not an "IQ test." Whole life insurance is just another asset class that happens to be really good at building financial foundations. So all you and...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In today's episode, we get into a trend we've observed in the realm of whole life insurance. That is combining whole life with a specific strategy or investment during the buying process. We explore how the allure of clubs, strategies, and investment groups can sometimes sidetrack individuals from the fundamental principles of IBC, pushing them towards investment-centric strategies that...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 92, we will talk about "the banking function," a true revelation by Nelson Nash, and before the release of "Becoming Your Own Banker," unfathomable to the average working man. Glossing over this core IBC principle can result in missed opportunities to capture the spread as "the bank" between your cost of money and the market interest rate. So tune in to learn more! --- EPISODE...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 91, we debunk some of the most common misconceptions perpetuated in the world of financial planning. Join us as we get into some myths about: 401k and IRA deductionsThe sole purpose of life insuranceMisunderstood commission structuresThe 4% withdrawal ruleAnd the traditional 60/40 stock-bond allocation. EPISODE HIGHLIGHTS: [00:01:00] - Introduction and discussion on the first...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 90, we talk about why whole life insurance is the ultimate cash asset. This episode sheds light on the best places for your money, explores the Economic Value Added nature of whole life insurance, and challenges common misconceptions about its role in financial planning. Tune in to transform your understanding of whole life insurance from a mere death benefit to the ultimate...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 89, we explore the secret behind why using whole life insurance for IBC really works. Using the Law of Large Numbers and the principles of actuarial science, mutual insurance companies, with their thousands of policy-owning stakeholders, hold the key to the benefits of whole life and IBC. As a policy owner, you're a part-owner of the mutual company. Being an owner of a company...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 88 of the Strategic Whole Life podcast, we talk about the (mostly bad) advice some people get to max out the loan provision immediately after buying a whole life insurance policy. This not only creates several risks, but the benefits of IBC go way beyond maxing out loans. IBC is not a gimmick or a trick. Policy loans are still loans. With IBC, we can protect ourselves from the...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. Don't Separate Base Premium and PUA When Buying Whole Life Insurance In episode 87, we talk about the risks of looking at base whole life premium and paid up additional life insurance (PUA) as separate considerations during the buying process. Treating base premium as the baseline commitment and PUA as a 'stretch target' can lead to unfulfilled expectations and potential policy...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 86, we discuss how practicing The Infinite Banking Concept™ can sometimes lead to a tendency to perceive whole life insurance as an "account," similar to a bank or brokerage account. This is not the case, and we'll talk about why! In this episode: We'll talk about the reality behind withdrawing cash value and the implications of policy lapse.Learn about the actuarial...

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we delve into the concept of whole life insurance dividends. We clear the usual misconception people have about dividends, explaining that insurance dividends are different from stock dividends. Here, we clarify that a whole life insurance dividend is essentially a yield coming from the surplus profit of a mutual based company. However, its calculation is more complex as...