The Money Advantage Podcast

I’ll never forget the moment my co‑host Bruce Wehner shared a powerful story: Nelson told his wife, Mary, “I need to teach you how to be a widow.” That striking phrase stopped us in our tracks. It wasn’t morbid—it was strategic. Nelson recognized that spouse financial preparedness is the cornerstone of true legacy planning. If your partner isn’t prepared to manage finances when the unthinkable happens, your careful planning unravels—and unintentional burdens form. https://www.youtube.com/live/bVBMnWHGp1Y In today’s fast-paced world, talking about money can be uncomfortable. But taking the time to ensure spouse financial preparedness isn’t just responsible—it’s transformative. As Rachel Marshall and Bruce Wehner, co-hosts of The Money Advantage Podcast, we’re here to walk you through why preparing your spouse is crucial, and how to do it effectively. By reading this article, you’ll discover: What “financial preparedness” truly means The critical pieces every spouse should know Practical tools we use with clients How to handle emotional differences in money habits A step-by-step framework to empower your spouse today Why Spouse Financial Preparedness MattersKey Areas for Spouse PreparednessIncome Plans—Now & ContingencyTaxes, Medicare & Social SecurityInsurance & ProtectionDigital Access & Password SharingEngaging Trusted AdvisorsThe LIFE Financial FrameworkManaging Emotional DifferencesTools & Rituals for PreparednessEquip Your Spouse. Protect Your Legacy.Book A Strategy Call Why Spouse Financial Preparedness Matters Bruce and I often see one partner “in the dark.” The hardworking spouse makes decisions—but the other may trust blindly, unaware of details. That puts them at risk—be it missing advisors’ phone numbers, not understanding insurance coverage, or worse: being blindsided by critical decisions. One case Bruce shared involved a wife who thought their net worth was minor—only to discover $30 million after her spouse had passed. Imagine the emotional shock—and legal busyness. That’s why spouse financial preparedness is a legacy necessity, not an optional extra. Key Areas for Spouse Preparedness To be truly ready, your spouse needs awareness and access across five areas: Income Plans—Now & Contingency Your spouse should understand both your current income strategy and what happens financially if one partner isn’t there. Bruce calls it having a “backup income plan.” Ask: what if I retire early? What if one income stops? Taxes, Medicare & Social Security One spouse passing makes tax filing switch to “single,” which can raise Medicare Part B and D costs by up to $500/month. Understanding IRMA brackets and how Social Security survivor benefits work is vital. A spouse who knows the rules won’t fall prey to unexpected costs. Insurance & Protection Life is unpredictable. Couples need clarity on life, health, disability, home, auto, liability—and how they work together. A clear policy keeps your spouse empowered and protected. Digital Access & Password Sharing In today’s digital age, locked-out accounts are a nightmare. Did you know iPhone allows a “Legacy Contact”? A shared password vault ensures your partner can access bank, utilities, email—and even that mysterious password for your favorite travel site. Engaging Trusted Advisors Make sure your spouse knows and trusts your financial, legal, insurance, and tax advisors. Ideally, they attend meetings together or at least meet face-to-face. That ensures seamless transition—and peace of mind—should something happen. The LIFE Financial Framework Bruce and I use a powerful acronym—L.I.F.E.—to frame preparedness: Liquid: How much cash is needed within minutes for emergencies? Income: Do you want fixed guaranteed income to cover essentials, plus variable funds for lifestyle? Flexible: Which assets can be repositioned for other goals—travel, education, emergencies?

How Much Life Insurance Do I Need? Why That’s the Wrong Question If you’ve ever asked, “How much life insurance do I need?”—you’re not alone. It’s a common starting point. But in this article, Bruce and I (Rachel) want to challenge that question and offer something better. Because "need" is often based on a survival mentality—what’s the bare minimum? But the real question isn’t about scraping by. It’s about what you want your life insurance to do—for you, for your spouse, for your children, and for future generations. https://www.youtube.com/live/xhGublGpz7w In this article, you'll learn: Why a needs-based approach might be leaving your family unprotected How to calculate a more empowering life insurance amount What insurance companies actually look for (and why you can't be "overinsured") The role of Infinite Banking in maximizing death benefit and legacy How to think long-term, strategically, and legacy-minded when it comes to life insurance How Much Life Insurance Do I Need? Why That’s the Wrong QuestionWhy My Husband’s First Thought Was Our Life InsuranceNeeds-Based Life Insurance Leaves You ShortThe Real Question: How Much Life Insurance Do I Want?Income Replacement + Future Value = What You’re Really ProtectingDeath Benefit Grows with Infinite BankingInsurability: Use It or Lose ItCost vs. Value: What Wealthy People UnderstandBuild a Life Insurance Strategy That EmpowersLearn More in the PodcastBook A Strategy Call Why My Husband’s First Thought Was Our Life Insurance Six years ago, I was in the ICU. My husband, Lucas, held our newborn baby girl as the doctors delivered updates that swung between hope and despair. One moment, it was "we stopped the bleeding," the next, "this is still serious." As he prayed through the fear and the unknown, one practical thought anchored him: We have life insurance. Not just any policy—we had as much life insurance as we could get. And in that moment, he knew he wouldn't have to make rushed decisions or shoulder financial pressure on top of emotional trauma. That policy was our safety net, our peace of mind. That’s why this conversation matters. It’s not just about numbers on paper. It’s about preparing for the moments you hope never come—and giving your family the ability to respond from a place of strength. Needs-Based Life Insurance Leaves You Short Most people approach life insurance with a checklist: Mortgage? Check. College for kids? Check. Debts? Check. Burial expenses? Check. And that’s how traditional advisors calculate the "amount you need." They total up obligations and say, “That’s your number.” But this method reduces life insurance to a bill-pay strategy. It doesn’t account for who you are, the value of your work, or the future your family deserves to continue building. In the Infinite Banking world, we don’t view life insurance as just a financial parachute. We see it as a tool for opportunity, a storehouse of value, and a means to start your family ahead, not just keep them from falling behind. The Real Question: How Much Life Insurance Do I Want? "Need" is survival. "Want" is vision. If your life insurance policy could fund your family’s future, preserve your estate, and launch the next generation into opportunity—how much would you want? Bruce and I often see families with grossly underfunded policies simply because they didn’t know what was possible. Insurance companies assess what’s called your human life value—a calculation of your income, age, and potential future earnings. Based on that, they allow you to apply for a corresponding death benefit. If you qualify for $4 million in coverage, it's because they believe your life’s economic value warrants it. You can’t be overinsured. The carriers won’t let you. So the real question becomes: If they’ll insure me for this amount… why wouldn’t I take it? Income Replacement + Future Value = What You’re Really Protecting

Lately, we’ve seen a troubling trend online. People—some well-meaning, some not—are sharing misinformation about mutual holding companies, claiming these companies are no longer mutually owned or that they’ve quietly abandoned their policyholders. That couldn’t be further from the truth. So Joe, Bruce, and I decided it was time to clear the air. Because when it comes to protecting your family’s legacy, clarity matters more than opinion. You deserve to understand the facts—not fear-based interpretations. And as we’ve seen too often, when confusion spreads unchecked, people start making financial decisions on the wrong foundation. That’s not stewardship. That’s reaction. Why We Had to Talk About Mutual Holding CompaniesWhat Is a Mutual Holding Company?Do Policyholders Still Have Ownership and Voting Rights?Why Would a Company Make This Change?Are Mutual Holding Companies Dangerous?What Does This Mean for Your Infinite Banking Strategy?What This Means for YouBook A Strategy Call Why We Had to Talk About Mutual Holding Companies When you use whole life insurance as a long-term asset—and especially when you're building a Privatized Banking System—you want to know the company you’ve partnered with is stable, aligned with your values, and built to honor policyholders for the long haul. That's why we recorded this episode: To define what a mutual holding company really is To contrast it with traditional mutual companies To explore how it affects voting rights, ownership, and trust And to provide clarity amid a cloud of online confusion Our goal is not to push any specific company, nor to attack those raising questions. But we do want to make sure the conversation is grounded in accuracy—because your stewardship depends on it. What Is a Mutual Holding Company? At its core, a mutual holding company (MHC) is a specific kind of corporate structure that allows a life insurance company to retain mutual ownership while gaining the flexibility to create stock subsidiaries. This means the parent company is still owned by policyholders, while the subsidiary has the ability to raise capital through stock offerings. Bruce broke it down this way: “A mutual company is owned by the policyholders... When it becomes a mutual holding company, it’s still owned by the policyholders, but they insert a stock company below that for reasons like expanding or raising capital.” This structural change is about flexibility—especially for future growth, acquisitions, or increased reserve requirements. It’s not inherently negative. It’s a strategic business decision, and it's one we should understand, not fear. Do Policyholders Still Have Ownership and Voting Rights? Yes—and this is where the misinformation gets loudest and most misleading. In a mutual holding company, policyholders still own the mutual holding company itself. That hasn’t changed. What has changed is that the operational insurance company underneath the holding company is now a stock entity—one that may have shareholders in addition to the parent company. Rachel explained: “There’s this perception that if a company becomes a mutual holding company, they’re no longer mutually owned... But that’s not true. The policyholders still own the mutual holding company. They still elect the board.” So yes, the structure is layered. But no, policyholders haven’t been stripped of ownership or voting rights. Joe added that this structure can even be a way for companies to avoid full demutualization, which would entirely sever mutual ownership. Why Would a Company Make This Change? There are many reasons an insurer might transition to an MHC: To raise capital for growth To meet solvency or reserve requirements To create a defensive structure to avoid hostile takeovers or future demutualization To diversify business offerings or form subsidiaries Bruce emphasized that mutual companies must act in the poli...

A few weeks ago, something special happened as we kicked off a podcast recording—Joe DeFazio held up a first edition copy of Becoming Your Own Banker by Nelson Nash. It had just arrived in his hands, passed down like a sacred trust. https://www.youtube.com/live/4MpwxirBpGA We weren’t in the same room, so Bruce and I couldn’t flip through the pages or feel its weight for ourselves—but even through the screen, we felt the gravity. Because legacy isn’t just a word. It’s a responsibility. A principle to be protected. A baton handed from one generation to the next. That moment with Joe sparked a powerful conversation—one that led us straight into one of the most debated and misunderstood topics in the Infinite Banking world: Single Premium Paid-Up Additions (SPUA). So we hit record. What This Article Will Help You UnderstandWhat Are Single Premium Paid-Up Additions (SPUA)?Why Single Premium Paid-Up Additions Sound So AttractiveThe Hidden Risks of SPUA-Focused Policy DesignWhat Nelson Nash Actually TaughtWhen Might Single Premium Paid-Up Additions Make Sense?Designing Policies with Stability, Not Just SpeedWhy This Matters to Your LegacyLearn More in the Full EpisodeBook A Strategy Call What This Article Will Help You Understand Whether you're new to Infinite Banking or already several policies in, the way your policy is designed will either set you up for long-term success or put you on shaky ground. In this article, you’ll learn: What a Single Premium Paid-Up Addition (SPUA) actually is Why it’s used and how it can be beneficial in certain scenarios The hidden risks of designing your policy with a large SPUA The difference between short-term cash value and long-term capital building What Nelson Nash really taught—and why his principles are more relevant than ever How to make smart, future-focused decisions about your family’s financial system This is for anyone who wants clarity, not confusion. Stewardship, not hype. And legacy, not just liquidity. What Are Single Premium Paid-Up Additions (SPUA)? Let’s define this clearly. A Single Premium Paid-Up Addition, or SPUA, is a one-time lump sum payment you make into your whole life insurance policy. This premium increases your death benefit and creates immediate cash value—without any future obligation to continue funding that specific rider. It’s often marketed as a fast way to “supercharge” your cash value in the first year of your policy. But here’s what we want you to know: while that may be true in the short term, SPUAs come with trade-offs that must be understood before you jump in. Why Single Premium Paid-Up Additions Sound So Attractive In theory, Single Premium Paid-Up Additions are incredibly appealing: You get immediate access to a large chunk of cash value You avoid the need to commit to an ongoing payment You increase the policy's death benefit right away You can “jumpstart” the banking process sooner If you just received a windfall—or you want liquidity right now—this can sound like the perfect fit. And that’s why it’s being marketed so heavily. But we urge you: don’t just ask what sounds good today. Ask what still works 30 years from now. Because when you dig into the details, you realize it’s not about how fast your policy can go. It’s about how well it can hold up when the storms come. The Hidden Risks of SPUA-Focused Policy Design Here’s where we need to slow down and talk about the bigger picture. When a policy is designed to accept a large SPUA, a few things must happen under the hood: The policy’s base premium is minimized A significant term rider is added to prevent MEC (Modified Endowment Contract) status The design often pushes the illustration right up to the IRS limits for tax-advantaged treatment This creates a fragile foundation. Think of it like this: if your policy is a sailboat, the base is the hull. The PUA is the sail.

In today’s post, Bruce and I (Rachel Marshall) want to bring you behind the scenes of a candid and educational conversation we had with Matt Ewald, Vice President of Life Insurance at Advisors Excel. If you’ve ever wondered when and why to use guaranteed universal life insurance (GUL) —especially in the context of estate planning—this one is for you. We’ve been having more and more conversations with families who aren’t just thinking about how to grow their wealth—but how to keep it intact for the next generation. And when estate taxes enter the picture, the stakes change. It’s not just about protecting income anymore—it’s about protecting impact. About making sure what you’ve built doesn’t get lost in fees, confusion, or government claims. Because when it comes to life insurance in the context of wealth transfer, you’re not just planning for protection—you’re planning for legacy. Let’s get into it. Why This Conversation MattersFrom Infinite Banking to Estate Strategy: A Shift in FocusGuaranteed Universal Life insurance 101: What It Is (and Isn’t)Estate Planning and the Tax ConversationThe Myth of “Set It and Forget It”What About Accessing Capital?Roth Conversions, IRA Taxes, and Legislative RiskThe Real Value: Peace of Mind, Not Just Rate of ReturnWhat We CoveredBook A Strategy Call Why This Conversation Matters If you’re like most of our clients, you’re already successful. You’ve created wealth, you’ve stewarded well—and now you’re asking deeper questions. Questions like: How do I pass on what I’ve built with intention? How do I shield my estate from unnecessary taxation? Is whole life the only tool for this? Or is there something else I should consider? In this blog, we’re breaking down exactly what guaranteed universal life insurance is, how it’s different from traditional IULs and whole life, and why it could be a strategic piece in your legacy plan. From Infinite Banking to Estate Strategy: A Shift in Focus We spend a lot of time on this podcast talking about whole life and its power as a privatized banking system—a way to store capital, access liquidity, and fund your life on your own terms. But not every financial goal calls for cash accumulation. Sometimes, the goal isn’t to use the money during your lifetime at all. It’s to transfer wealth efficiently, minimize estate taxes, and ensure your heirs receive more—without the friction and loss. And that’s where guaranteed universal life enters the scene. Guaranteed Universal Life insurance 101: What It Is (and Isn’t) Matt Ewald described guaranteed universal life insurance as a permanent term contract. That phrase stuck with me. Here’s what it means: GUL is designed to give you the most death benefit for the least premium. Unlike cash-rich whole life or traditional IULs used for banking or income, GUL is a protection-first strategy. The focus is not on growing cash inside the policy. The focus is on locking in a death benefit that will be there guaranteed—no matter what the market does. And what makes it guaranteed? The no-lapse guarantee rider. This rider is the linchpin. It says, “As long as you pay the premium exactly as illustrated, this policy will not lapse—no matter how the underlying market indexes perform, no matter what cap rates change, no matter what happens behind the scenes.” It’s simple. It’s predictable. And it’s ideal for estate planning when death benefit certainty is the priority. Estate Planning and the Tax Conversation Here’s the reality we’re facing: The estate tax exemption today is high—around $13 million per person. But it won’t stay there forever. Just 20 years ago, it was $1 million. And the political winds are already shifting toward reducing the exemption again. That means more families will face estate tax exposure in the future—even those who don’t consider themselves “ultra-wealthy.” And taxes at death are not just a theoretical prob...

There’s a story Buffy Ruthardt shared that still gives me chills. She and her husband Darren were on a drive, just processing life and legacy—wondering aloud what it might look like for their children to live in their inheritance while they were still alive. Not just financially, but spiritually, relationally, and generationally. https://www.youtube.com/live/dMMgfxEohsI It was a bold idea. But they didn’t know how to do it. No roadmap. No clarity. No strategy to get there. And then… they heard a Facebook ad for Seven Generations Legacy®. That was the nudge. They followed that moment of divine appointment to begin faith-based legacy planning, and today, their family is operating with a whole new level of clarity, unity, and purpose. “We were doing our best… but we had no tracks to run on.”Faith-Based Legacy Planning in ActionFrom Disconnected Assets to a Unified Legacy VisionThe Meaning: Writing Down the Culture That Was Already ThereThe Mechanism: Getting the Legal and Structural House in OrderThe Money: From Siloed Accounts to Stewardship StrategyThe Fruit of Faith-Based Legacy Planning: Family Meetings, Health Goals, and a Future PodcastWhat It Really Means to Align Wealth with ValuesWant to Build Your Own Legacy?Book A Strategy Call “We were doing our best… but we had no tracks to run on.” I’ll never forget this moment. Buffy and Darren sat across from me on Zoom, eyes bright with conviction, reflecting on their journey. They’d built a beautiful life—decades of hard work, provision, blessing. But as they looked at their children, now adults, they knew something deeper was stirring. “We had direction,” Buffy said, “but no map.” That’s when they found the Seven Generations Legacy® Coaching Program. And everything changed. They weren’t just searching for a way to preserve wealth. They were on a mission to steward something sacred: their faith, their values, and the legacy they knew God had placed in their hands for generations to come. Faith-Based Legacy Planning in Action When we talk about faith-based legacy planning, we’re not just talking about trust documents or estate strategies. We’re talking about shaping the kind of family culture that lasts beyond your lifetime. That’s what Darren and Buffy came looking for—and that’s what they built. They had wealth. They had faith. They had a vision. What they needed was a mechanism. At The Money Advantage™, we don’t talk about inheritance the way the world does. This isn’t about how much you leave—it’s about what you leave in the people you love. If you’ve ever thought… “I’ve built something valuable—but how do I pass it on with meaning?” “Our kids aren’t quite ready… but I want to guide them.” “We have the assets, but not the structure. Where do we start?” …then you’re not alone. And this story is for you. In this episode of The Money Advantage™ Podcast, we unpack their full journey—from feeling stuck with disjointed entities and unspoken hopes… to confidently stewarding their family’s meaning, mechanism, and money with purpose.We’ll walk you through Darren and Buffy’s real-life experience using the Seven Generations Legacy® process, including: Why they felt stuck, even after decades of success How they aligned their faith, finances, and family The power of creating meaning and mechanism—not just money What happened after they hosted their first Family Legacy Summit This isn’t theory. This is transformation. If you’ve ever wondered how to truly align your values with your wealth—or how to pass on something deeper than money—this story is for you. From Disconnected Assets to a Unified Legacy Vision Darren and Buffy didn’t come to Seven Generations Legacy empty-handed. They had two decades of successful business ownership, investments, and assets. But what they didn’t have was an integrated plan—or a way to ensure it wouldn’t all unravel when passed to the next generat...

Joe DeFazio, a frequent guest known for his comprehensive views on financial concepts, dives into the intricacies of designing whole life policies for Infinite Banking. The discussion reveals how proper policy design can sustain wealth rather than drain it, likening financial management to a grocery store transaction. He emphasizes the importance of starting strong and understanding the dynamics of base premiums versus paid-up additions. DeFazio also discusses generational wealth, the cost of savings account withdrawals, and encourages proactive financial strategies.

Joe DeFazio, a colleague of Rachel Marshall and expert in infinite banking, dives into a thought-provoking discussion sparked by a bold question on investing all income into whole life policies. They unpack the real implications of such a strategy, emphasizing a balanced approach to financial decisions. Key topics include the importance of mindset, the dangers of over-leveraging, and the strategic use of Paid-Up Additions for maximizing benefits. They advocate for viewing oneself as an invaluable asset in long-term financial planning.

Recently, Bruce shared a story that perfectly illustrates unexpected life challenges—his basement flooded, turning a peaceful Easter weekend into an emergency cleanup session. Just as unexpected problems can flood your home, unanswered financial questions can flood your business strategy, especially questions like: "Can you deduct life insurance premiums?" https://www.youtube.com/live/crKKtLvZ44k Tax questions, much like sudden home repairs, can disrupt your carefully planned financial landscape. Whether it's water damage or unclear tax regulations, not addressing the problem can lead to costly mistakes down the road. Today, Bruce and I aim to clear up one of these significant financial uncertainties for business owners. Why Understanding Life Insurance Deductions MattersUnderstanding the Deductibility of Life Insurance PremiumsCan You Deduct Life Insurance PremiumsThe Supreme Court’s Stance and Its ImplicationsStrategic Ways to Indirectly Deduct PremiumsAvoiding Short-Term Tax MistakesContracts vs. Accounts: Ensuring Long-Term CertaintyNavigating Complexity with Professional HelpThe Strategic Power of Life Insurance PremiumsBook A Strategy Call Why Understanding Life Insurance Deductions Matters The question "Can you deduct life insurance premiums?" isn't just a minor tax issue—it's central to building an efficient, effective, and robust financial strategy. Life insurance policies are powerful financial tools that, when used correctly, can significantly enhance your financial well-being. However, misunderstandings about their tax implications can lead to missed opportunities or even costly errors. In this detailed article, you'll gain clarity regarding the question "Can you deduct life insurance premiums?", the rationale behind IRS rulings, practical and legitimate strategies to indirectly achieve similar benefits, and the pitfalls to avoid in your quest for tax efficiency. By mastering these concepts, you'll be well-equipped to incorporate life insurance intelligently into your broader financial planning strategy. Understanding the Deductibility of Life Insurance Premiums Can You Deduct Life Insurance Premiums Bruce frequently encounters confusion among business owners about deducting life insurance premiums. Let’s clear this up immediately: in most cases, you cannot directly deduct life insurance premiums from your taxes if the business owner benefits directly from the policy. The IRS views this scenario as lacking genuine "economic substance," as the policyholder ultimately recoups these premiums through a tax-free death benefit, meaning there's no real economic loss to justify a deduction. The Supreme Court’s Stance and Its Implications Bruce highlighted a crucial Supreme Court ruling that set clear boundaries for tax deductions related to life insurance. This landmark decision explicitly stated that deducting premiums or interest on life insurance loans is generally not permissible when the insured party directly benefits. The reasoning is straightforward: since you or your estate will eventually receive these premiums back in the form of a tax-free death benefit, the premiums do not represent an actual financial loss or expense that justifies a tax deduction. Understanding this ruling can save you from potentially costly mistakes and help you align your tax strategies with IRS expectations. Strategic Ways to Indirectly Deduct Premiums Despite the restrictions, Bruce and I discussed legitimate and strategic methods to effectively reduce taxable income and indirectly finance life insurance premiums: Employing Family Members: Bruce pays his father for legitimate business-related marketing tasks. As his father falls into a lower tax bracket, this transaction reduces Bruce’s taxable income and generates additional cash flow, indirectly supporting life insurance premium payments. Paying Your Children: Another powerful strategy is employing your children within your bus...

https://www.youtube.com/watch?v=0AIoJylhZNI The Infinite Banking Concept is a financial strategy, first codified by R. Nelson Nash, that uses high-cash-value, dividend-paying whole-life insurance so policyholders become their own bankers. They store savings, earn guaranteed growth and tax-deferred dividends, and then can borrow against the policy's cash value. This creates a powerful system where YOU control your capital, not Wall Street or traditional banks. You play a big game, and you want your money to keep pace. Being in control is essential to you, and your money is no exception. You don’t have time to be strung along every year, hoping for better returns. Instead, you want a system that works as long as you live, improving over time like a fine wine. Using your savings to mimic “the bank” with Infinite Banking fits your criteria. Privatized Banking is a golden key that unlocks and improves every other area of your financial life. With it, you reduce taxes, increase safety and liquidity, while earning competitive growth with built-in contractual guarantees. This elevates your ability to perform at the highest level in your life and business. Today’s article will walk you through the building blocks and what it does for you. Then, we’ll show you this system is a strategy that you do, not just a financial product you buy. What You'll Take Away From This Guide to IBC: Discover how to build your own private banking system using specially designed permanent life insurance. Learn why cash value growth gives you both competitive returns and financial security in uncertain times. See exactly how Infinite Banking works to create simultaneous protection and wealth-building opportunities. Find out why your life insurance coverage becomes your family's most valuable financial asset. Understand the strategy wealthy families have used for generations to create lasting prosperity. Table of contentsWhat Is Infinite Banking?What Is The Infinite Banking Concept?Where The Infinite Banking Concept (IBC) Fits into Your Cash Flow SystemWhy The Infinite Banking Concept Is a Better Place to Store Cash1) Provide Safety, Control, and Certainty2) Accessibility3) Emergency/Opportunity Fund4) Uninterrupted Compound Growth5) Competitive Rate of Return6) Reduce the Interest You Pay7) A Debt-Free Weapon8) Tax Benefits9) Shrinks Opportunity Cost10) Increases Protection11) Each Dollar Does More Than One Job12) Peace of Mind13) Legacy TransferIf Those Aren’t Your Goals, the Infinite Banking Concept Is Not For YouInfinite Banking: A Process That You DoWhat Makes Whole Life Insurance the Perfect Vehicle for the Infinite Banking Concept (IBC)?High Cash ValueA Place to Store CashDividend-PayingWhole Life Insurance PoliciesContractWith a Mutual CompanyWhat Makes Whole Life Insurance Cash Value Such a Great Vehicle for the Infinite Banking Concept?GrowthTax-AdvantagedNet ReturnsLong-Term Actual GrowthSafetyLiquidityYou Don’t Use up Your Cash Value, You Borrow Against ItInfinite Banking ExamplesHome RenovationBusiness EquipmentCar PurchasesInfinite Banking Disadvantages: Know the Trade-OffsUp-Front Drag on LiquidityPremium Discipline: Why You’ll WANT to Stay the CourseLong Game, Generational PayoffThe Infinite Banking Concept: The Bottom LineThe Infinite Banking Concept Puts the Power of Choice In Your HandsLearn More About R Nelson NashLearn More About the Infinite Banking ConceptFAQIs Infinite Banking life insurance or an investment strategy?How much money do I need to start Infinite Banking?Are there any risks I should be aware of?How does the cash value component keep growing when I borrow?Is the growth truly guaranteed? What Is Infinite Banking? What Is The Infinite Banking Concept?Infinite Banking is a process of reclaiming the banking function in your life. You become your own banker by creating your own banking system with dividend-paying whole life insurance.