Money Ripples Podcast

How to Use Infinite Banking + Real Estate to Create Tax-Free Returns That's Better Than a Roth!

Oct 8, 2025
Explore the power of infinite banking and how it can outperform traditional Roth IRAs. Learn how whole life policies offer tax-free growth and early access to funds, and why combining them with real estate can maximize deductions. Discover the benefits of energy investments for substantial tax breaks, and how cycling money creates compound returns. Chris also discusses strategies for leveraging business expenses and real estate professional status to enhance your tax benefits and increase liquidity. Don’t miss these money-making insights!
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INSIGHT

Roth Is A Tax Wrapper Not An Investment

  • Chris Miles explains a Roth IRA is a tax wrapper, not an investment, that makes non-tax-advantaged investments grow tax-free.
  • Use Roths for plain lending or income funds that lack built-in tax benefits.
INSIGHT

Whole Life Lets You Access Tax-Advantaged Cash Early

  • Whole life used for infinite banking also grows tax-advantaged and can be accessed via policy loans without age limits.
  • It provides more guaranteed growth and immediate liquidity compared with waiting until 59½ for Roth access.
ADVICE

Don’t Put Tax-Advantaged Assets In A Roth

  • Avoid placing tax-advantaged investments inside a Roth because you may lose benefits like depreciation or write-offs.
  • Instead use infinite banking to fund tax-advantaged real estate, business, or energy deals while your policy still compounds.
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