No-Brainer Strategy to Start TODAY: Why Wealth Formula Banking Makes All the Sense in the World
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Oct 14, 2025
Explore the intriguing concept of Wealth Formula Banking, which transforms traditional saving into a powerful investment strategy. Discover how it counters the pitfalls of low-interest checking accounts by utilizing overfunded cash value life insurance to earn a steady 5-6% growth. Learn how borrowing against this policy allows your funds to keep compounding, and why it outperforms HELOCs. With tax advantages, liquidity, and asset protection, this approach promises amplified profits. Buck also shares compelling examples demonstrating significant gains.
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question_answer ANECDOTE
Personal Aha Moment
Buck Joffrey describes his own 'aha' moment after repeatedly hearing "be your own bank" but not understanding it.
A friend finally explained the concept and that explanation made the strategy click for him.
insights INSIGHT
Savings Lose To Inflation
Savings and checking accounts pay well under inflation, guaranteeing loss of purchasing power over time.
Buck uses this to explain why "savers are losers" and the need for a better opportunity fund.
insights INSIGHT
Two-Job Dollars
Wealth Formula Banking uses an overfunded cash-value whole life policy that compounds around 5–6% annually.
You keep compounding inside the policy while accessing capital via policy loans.
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It’s been a while since I’ve talked about Wealth Formula Banking in detail, and I know we have a lot of new listeners who may not have heard about it yet. So today, I want to share a webinar that explains why I think this strategy is such a no-brainer.
First off—what is Wealth Formula Banking? You may have heard of something called “infinite banking.” It’s a similar concept, but instead of focusing on paying your bills, Wealth Formula Banking is specifically designed to amplify your investments.
My introduction to this idea came the same way you’re hearing it now—through a podcast. I kept hearing the phrase “be your own bank.” Honestly, I didn’t know what that meant, and I tuned it out until a friend finally broke it down for me. That’s when I had my aha moment.
Here’s why. Normally, when you want to invest in a cash-flowing asset, you park money in a checking or savings account first. The problem? Those accounts pay you almost nothing—well under 1 percent. Meanwhile, inflation is running at 2–3 percent, so you’re guaranteed to lose money. That’s why my friend Robert Kiyosaki always says, “savers are losers.”
Wealth Formula Banking flips that script. You’re essentially creating a special kind of cash value life insurance policy, where the money you put in grows at a virtually bulletproof 5–6 percent compounding rate per year. Not that sexy on its own, BUT…here’s the kicker: you don’t have to pull that money out to invest in your deal. Instead, you borrow against it from the insurance company’s general ledger at a simple interest rate.
That means your original money keeps compounding inside the policy at 5–6 percent—even while you’ve borrowed against it to invest in cash-flowing assets like real estate. That’s the key. With a HELOC, when you borrow, your money stops working for you. With Wealth Formula Banking, your money never stops growing.
So now you’ve got the same dollars doing two jobs at once: earning safe, compounding growth inside your policy and generating income from your investments outside of it. By simply routing your money through Wealth Formula Banking, you’re supercharging your returns.
And here’s what makes it even more powerful: tax-free growth within the insurance account, real asset protection to shield your wealth from lawsuits and creditors. Plus, it includes a permanent death benefit, which means that in addition to building wealth today, you’re also creating a lasting legacy for your family tomorrow.
It’s not magic—it’s math. And it’s the kind of smart arbitrage that can turn ordinary investments into extraordinary ones.
Schedule a FREE consultation:
https://wealthformulabanking.com