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The claim that infinite banking is only for the wealthy is a common misconception. The concept fundamentally revolves around controlling cash flow rather than accumulating large amounts of money upfront. For instance, a couple named Ben and Sally were able to start with just $100 a month, which they used to build a land flipping business. This demonstrates that anyone, regardless of their current financial status, can begin to implement infinite banking by focusing on efficient cash flow and setting achievable savings goals.