Now remember it's especially designed and engineered whole life but I call it my bank. So now that hundred I used to give away now I pay it back to my policy. Here's the kicker. That doesn't sound too sexy and it's really not but there's one thing that I left out that's critical and this is why the wealthy families do this. Let's just say I'm let's call it a thousand bucks that I owed visa. So I had to have $1,000 in my policy in order to pay Visa off for $1,000. We all understand that. You can't make money out of thin air. But when I had $1,000 in my policy and I took that $1,000 out to pay off Visa, I took a loan against my policy, much like I would take a loan from a bank. I took a loan against my policy. But here's the unique thing. If I had $1,000 in my policy, paying me 6%, and I take a $1,000 loan out of my policy, how much money, Scott, is left in my policy? I started with $1,000, and I took $1,000 out. How much is left? If it's a loan, there's still $1,000 in your policy. Smart, now a lot of people that are listening to this would think zero, well you had $1,000, you took $1,000, zero. The insurance company never touched my $1,000. They made me a loan that was collateralized by my $1,000, but the loan is a loan that never needs to be paid back. Now this is a thing that most people, and when I heard this, I'm like, that can't ever happen. That sounds too good to be true. The loan they gave me was a loan against my death benefit. The insurance company promises to pay a guaranteed interest rate on my money that's in there, plus they promise to pay a death benefit the day I die. So the insurance company will allow me to use the death benefit up to the amount that I can collateralize with my cash value, which was $1,000 in this case. So the $1,000 they gave me was the insurance company just saying, hey, here's $1,000 of your death benefit today, and we'll charge you an interest rate on that loan, but you don't ever have to pay it back because someday when you graduate and die, it's a nice way of saying die, when you die, we're just going to true up that. We're going to subtract the thousand from your death benefit that you have, and we're good, we're made whole. But if you hear what I just said, let's just do some math. Isn't it though? Isn't it fascinating? It's so simple, but nobody teaches this and I'll tell you why nobody ever has heard of this from an advisor standpoint. Now, let's just use simple math. First year, let's say I got a thousand in there and I need a thousand to pay out visa. I'm making six percent on my thousand with dividend. And to borrow that money lets just say the insurance company charges me four. What is six minus four? Two. Two, right? Yeah. It's a two percent spread. When you think about a bank, when you put money into a traditional bank as a deposit, does the bank put your money in that vault like they want you to believe? No. What do they do with you? Invest it. They lend it out. Those cubicles around the outside, they're lending your money out. So if they're paying you 1% of your deposits you leave in the bank, are they lending it out? More than 1% You're darn right they are. They're making a spread. So I'm doing the same thing with this policy. I'm making six and I'm borrowing it at four. I'm making a 2% spread. And then I pay off Visa. I paid Visa $100 a month, which is all interest at 20%. And now instead of just saying, oh, visa's gone, I'm done. No, I treat my money the same way I would treat the bank's money. And instead of paying visa, I just changed the name on the check. The $100 I gave the visa, I just write that check back to my policy, paying my policy loan back, which means now I'm making, I just made money twice. Did anyone catch that? I just showed you how to make money two times instead of one time. I made a spread on my policy between the six and the four, plus I took back the 20 percent that I was giving away to Visa. So as long as everybody understands that, let's go round two. So I did this for years and I paid off all my credit cards from lowest balance to highest. So now I'm recapturing all the money I used to give away. So I started to feel like I got some real wealth because I was just giving all my money away. Now I'm keeping it also. My policy is now maturing and getting more and more money. Now remember, my money through this whole process never left, so there's a thing called compound interest that I'm benefiting from. Every year I'm compounding on a higher amount, and a higher amount, and a higher amount. So every year without me working any harder, or any longer, or doing anything different in my life, my spread between what I'm making and what I'm paying goes up. Automatically because I'm compounding on a higher amount, so that spread just naturally mathematics, my spread gets bigger and bigger. So instead of making a 2% spread, five years later, maybe I'm making a 7% spread. Another five years, maybe I'm making a 10% spread. Folks, it's just math. Listen, I'm not telling you anything crazy complicated. But eventually all the debts are paid off. But we all buy cars, right? Now, most people finance their cars like I used to. Well, now I finance my cars, but I finance them with my bank. I take a loan from my bank, the policy, and I buy the car cash. But I then ask the dealer, whoever I buy the car from, how much would this car be if I were to finance it through your finance company? 600 a month? Great. I then write a check for 600 a month back to my policy. Today, it's evolved a lot from there. I lend money out at 12% through our fintech company called Private Money Club. I take loans from my policy. I lend it out to good investors that are buying real estate, and I charge them 12%.