Strategic Whole Life by Infinite Banking Authorized Practitioners

Be sure to check the link below for additional resources in this episode! This week, we discuss the almost unreal financial potential of saving money. Yes, saving money. In today's world of unicorn startups, crypto, and all-time-high bull markets, saving money can sometimes seem like a wasted effort. We're here to show you that good, old-fashioned money saving might soon be viewed as the next "hack" to gaining financial freedom. Contrary to popular opinion, it's incredibly powerful and not as hard as you think. Also - check out this video to see how saving at 4% beats investing at 10% 🤯 Your Maximum Financial Potential ---- EPISODE HIGHLIGHTS: (00:38) We all have a savings problem - and it's not what you think (01:17) Silicon Valley has a BIG savings problem - and it is what you think (04:44) High time preference - "Keeping up with the Joneses" (14:10) Parkinson's Law and burn rate (17:24) The Infinite Banking Concept - a strategic solution to saving (26:29) Creating a wealth coordination account to turn savings upside down ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

This week, we talked to a real client, Ian King, who has an impressive professional life. Ian works full-time in enterprise tech but is also a business owner and successful real estate investor. Ian talks about how, by ditching his ego and focusing on capitalizing (Infinite Banking) first rather than rushing to own more real estate "doors," he has become a much more discerning investor. Ian King on LinkedIn ---- EPISODE HIGHLIGHTS: (03:02) The process of learning IBC (09:12) 1:1 equity transfer from real estate to whole life (15:10) Margin call! Learning from mistakes in accessing capital (22:00) The power to turn down deals because of IBC (40:55) Addressing common hang-ups with Infinite Banking ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

After publishing our 100th episode last week, we thought we'd take it back to basics for episode 101 and provide an "IBC 101" episode. Ten things you should know when getting started with The Infinite Banking Concept®. Join us as we discuss a list John Montoya created over a decade ago. It was no surprise to us that all 10 points are still applicable today. That's how principles work! Whether you're brand new or an IBC veteran, trust us: there will be something here for you. EPISODE HIGHLIGHTS: (01:24) Unlocking the Power of Guaranteed Cash Value (03:42) Maximizing Your Policy's Early Years: The IBC Strategy (06:32) The Magic of Paid Up Additions Rider (10:47) Dividends: The Icing on Your Financial Cake (15:43) Uninterrupted Compounding: The Financial Unicorn (19:58) Accessing Your Money: The Smart, Dumb, and Sad Ways (23:51) Taking Control with Policy Loans (30:02) Whole Life vs. 401ks and IRAs: Understanding Your Options (33:30) Expanding Your Funding Capacity with Whole Life Policies ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

In the 100th episode of the Strategic Whole Life Podcast, hosts John Montoya and John Perrings bring together two of their best clients, Declan Wilson, owner of Bannside Construction, an SF Bay Area general contracting company, and Brant Scheifler, CEO of Automatic Outreach, a North Carolina SEO company, to share their experiences with The Infinite Banking Concept (IBC). We talk about how they discovered IBC, its impact on their financial strategies, and how IBC's flexibility and security have facilitated personal and business financial growth. We hear their real, personal accounts about how whole life insurance has "saved their bacon" (and their businesses) on multiple occasions by providing liquidity when they needed it most. EPISODE HIGHLIGHTS: 00:00 Welcome to the 100th Episode Celebration! 00:42 Introducing Our Special Guests: Declan and Brant 01:12 Declan's Journey with Infinite Banking Concept (IBC) 07:05 Brant's Path to Discovering IBC 10:38 Addressing Misconceptions and the Power of IBC 19:45 Real-Life Benefits of Practicing IBC 35:04 Advice for Newcomers to IBC ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. When people think of tax-advantaged financial assets, they often think of ROTH accounts and municipal bonds. It's often acknowledged that life insurance has preferential tax treatment, but just as often dismissed because of what they think they know about permanent life insurance. In today's episode, John Montoya will convey to you why you should not gloss over the tax advantages of whole life insurance! EPISODE HIGHLIGHTS: 00:18 Exploring the Triple Tax Exempt Status of Whole Life Policies 02:07 Deep Dive into Roth IRAs: Pros, Cons, and Tax Benefits 04:32 Municipal Bonds: Investing Locally with Tax Exemptions 06:42 The Power of Whole Life Insurance: A Comprehensive Guide 11:24 Navigating the Negatives: Whole Life Insurance Limitations 15:28 Strategic Financial Planning with Whole Life Insurance ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, I was a guest on the Wealth Warehouse podcast with Dave Befort and Paul Fugere and also joined by Brandon Goswick and Nate Dean, hosts of Cash Flow Legendz. These are a few of my inner-circle Authorized IBC Practitioner colleagues who were all in attendance at this year's Infinite Banking Think Tank, hosted by the Nelson Nash Institute in Las Vegas. In this episode, you'll hear some great insights, highlights, and takeaways from the event by some of my favorite IBC Practitioners. Wealth Warehouse -- [CAPTIVATE] Cash Flow Legendz -- [PODBEAN] Episode Highlights: (03:00) Nate Dean: The IBC Community's giving nature and importance of the death benefit (05:00) John Perrings: The challenge and reaffirmation of the IBC brand (07:00) Plan vs. a lifestyle (09:00) Brandon Goswick: reflections on the inevitability of death and the practitioner's role in clients' lives (11:00) The emotional and financial relief that whole life insurance provides to grieving families (13:00) The importance of genuine connection with clients and the unique assurance whole life insurance offers. (15:00) Emphasizing the mutual aspect of whole life insurance and the collective benefit it brings. (19:00) Dave Befort: "I need to increase my premium!" (21:00) Investment risk vs whole life security (23:00) The value of adding a 'pause' before accessing policy loans (27:00) The importance of building a strong financial foundation before pursuing other investments (29:00 Dave Befort: "Again, I need to pay more premium!" ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we get into the essential attitudes that set buyers up to get the most out of their whole life insurance policy. Not surprisingly, they match up to those needed to practice The Infinite Banking Concept™! Curiosity and Courage are key drivers to cutting through all the noise in the financial world so that you can have the ultimate control over your financial life and become your own banker. Episode Highlights: [01:00] Curiosity and courage as essential mindsets for starting whole life insurance. [02:00] Overcoming misconceptions about life insurance. [04:00] Whole life insurance as a distinct asset class and its benefits. [06:00] Exploring additional benefits of whole life insurance for retirement income. [08:00] The importance of locking in your insurability and cost basis. [10:00] The long-term approach and strategic value of whole life insurance. [12:00] Using whole life insurance for smart leverage and wealth creation. [14:00] Countering typical financial advice and the value of whole life insurance. [16:00] The importance of being your own advocate and taking informed action. [18:00] Clarifying cost basis and the uniqueness of whole life insurance. [20:00] Real-life impact and the significance of understanding your policy. [22:00] Misconceptions about policy design and the inherent value of whole life. [24:00] The role of curiosity and courage in discovering and utilizing whole life insurance. [26:00] Emphasizing the guaranteed aspect of whole life insurance and its contrast with other financial strategies. [28:00] No luck required: Whole life insurance as a surefire asset. ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this week's episode, we compare policy loans from a whole life insurance policy vs. margin loans. When discussing policy loans used with the Infinite Banking Concept™, sometimes people will be dismissive of the strength of policy loans because they have the ability to borrow on margin aginst the value of their stocks. But policy loans vs margin loans are an apples-to-oranges comparison. We compare the following: --- EPISODE HIGHLIGHTS: [01:00] Third-Party Risk Discussion [08:00] Risks of Margin Loans [09:00] Loan to Value Ratios Explained [12:00] Control and Safety with Policy Loans [16:00] Assumptions in Credit Analysis [21:00] Foundation of Financial Strategies ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we talk with Walter Young, co-author of The Fifth Option, about a transformative approach to retirement income planning. Walter challenges typical retirement planning and the "4% Rule" and offers solutions to live a plentiful retirement based on predictable income. When you only have one shot at this, cash flow beats "balance sheet" (aka "B.S.") retirement planning every time. The best part is that if you're practicing IBC, you're already on the right path. Visit Walter at www.TheFifthOption.com --- EPISODE HIGHLIGHTS: [02:44] The "B.S." retirement plan and the shift from "balance sheets" to cash flow [09:48] The desert island dilemma - How long does your water need to last? [06:45] The Fifth Option - alleviate retirement constraints [16:14] Pensions and private pensions [21:14] The role of life insurance [30:54] Beat the Bear strategy: navigating market volatility in retirement ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. Today's episode is for those spouses looking for ways to get their significant other on board with The Infinite Banking Concept. Let's work together to get some financial harmony in our lives! As Montoya puts it, IBC is a "common sense test," not an "IQ test." Whole life insurance is just another asset class that happens to be really good at building financial foundations. So all you and your significant other need are open minds to understand how IBC will put safety, liquidity, and control at your fingertips. --- EPISODE HIGHLIGHTS: [03:00] Key requisites for spousal agreement on IBC [06:00] The paramount importance of protection in financial planning [08:00] Reclassifying what most of us consider "traditional" [12:00] Real estate and stock market investments vs. IBC safety [15:00] The principle of financing everything you buy [18:00] The illusion of FDIC insurance and the reality of bank solvency ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In today's episode, we get into a trend we've observed in the realm of whole life insurance. That is combining whole life with a specific strategy or investment during the buying process. We explore how the allure of clubs, strategies, and investment groups can sometimes sidetrack individuals from the fundamental principles of IBC, pushing them towards investment-centric strategies that might not align with their initial goals. Our discussion highlights the critical importance of focusing on the core message of becoming your own banker. Understanding the tradeoffs and risks of prioritizing early cash value, over-leveraging through loans, and over-committing on premium amounts is an absolute must. Join us as we reinforce the essence of IBC and the significance of building a solid financial foundation for the long term. --- EPISODE HIGHLIGHTS: [05:00] Discussion on the core message of becoming your own banker. [12:00] Examination of early cash value and loan maximization. [16:00] The potential risks of overextending premium amounts. [21:00] Maintaining the insurable need and protecting family interests is important. ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 92, we will talk about "the banking function," a true revelation by Nelson Nash, and before the release of "Becoming Your Own Banker," unfathomable to the average working man. Glossing over this core IBC principle can result in missed opportunities to capture the spread as "the bank" between your cost of money and the market interest rate. So tune in to learn more! --- EPISODE HIGHLIGHTS: [00:02:00]: Discussion on the problem of traditional banking systems [00:03:00]: Exploring the need for personal financing solutions [00:05:00]: How conventional financial advice leads to control issues [00:06:00]: Addressing the constantly moving goalpost of typical retirement planning [00:07:00]: "You finance everything you buy" [00:09:00]: The limitations of cash spending in building wealth [00:11:00]: Necessity of being strategic with capital [00:13:00]: How much cash value is needed for personal banking [00:15:00]: Identifying the financial problem as a foundational step [00:17:00]: The importance of starting the infinite banking process [00:19:00]: Shifting focus from investments to becoming your own banker ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 91, we debunk some of the most common misconceptions perpetuated in the world of financial planning. Join us as we get into some myths about: EPISODE HIGHLIGHTS: [00:01:00] - Introduction and discussion on the first myth regarding 401k and IRA contributions and the misconception about tax deductions. [00:03:00] - Insights on who benefits from investments in qualified plans and the concept of the "lobster trap" in financial planning. [00:05:00] - Examination of the use of whole life insurance policies for liquidity and control, as opposed to the limitations of 401k plans. [00:07:00] - Analysis of the perspective on term insurance, its limitations, and the advantages of whole life insurance. [00:09:00] - Discussion on life insurance policy commissions and their comparison with assets under management fees. [00:11:00] - Exploration of the 4% withdrawal rule as a retirement strategy and its practical challenges. [00:13:00] - Explanation of how whole life insurance can enhance the 4% rule for more secure retirement income. [00:15:00] - Debunking the myth of the 60/40 stock-bond allocation, including challenges faced in the bond market. [00:17:00] - Argument for using whole life insurance as a risk transfer tool, superior to traditional bond investments. [00:19:00] - Critique of conventional wisdom around life insurance commissions. [00:21:00] - Discussion of the real purpose of term insurance and the historical perspective of life insurance sales strategies. [00:23:00] - Final thoughts on understanding financial planning myths and the value of whole life insurance in a diversified financial strategy. ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY Video mentioned in the episode: WILL A RECESSION WIPE OUT ETF LIQUIDITY? ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 90, we talk about why whole life insurance is the ultimate cash asset. This episode sheds light on the best places for your money, explores the Economic Value Added nature of whole life insurance, and challenges common misconceptions about its role in financial planning. Tune in to transform your understanding of whole life insurance from a mere death benefit to the ultimate cash asset that makes everything you're already doing work even better. EPISODE HIGHLIGHTS: 00:55 Origins of the concept of "Cash" 02:50 Understanding Insurance as a cash asset 03:52 A Growth mindset should take cash into account 04:16 Hidden Benefits of Whole Life Insurance 05:55 The Importance of an Emergency Fund 06:29 Cash and Market Volatility 08:16 The Best Places to Keep Cash 08:48 The Power of Whole Life Insurance for Emergencies 16:04 Infinite Banking 101: You Finance Everything You Buy 18:02 Cash as a Symbol of Freedom ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 89, we explore the secret behind why using whole life insurance for IBC really works. Using the Law of Large Numbers and the principles of actuarial science, mutual insurance companies, with their thousands of policy-owning stakeholders, hold the key to the benefits of whole life and IBC. As a policy owner, you're a part-owner of the mutual company. Being an owner of a company is not just about you and what your policy can do for you. It's about you and all the other policy owners working together in a corporate body. It's precisely this that gives whole life insurance its superpowers. EPISODE HIGHLIGHTS: 01:02 The Role of Mutual Insurance Companies in IBC 02:16 The Unique Benefits of Whole Life Insurance 03:00 The Pitfalls of Self-Centered Approach in IBC 03:44 The Power of Mutual Benefit in IBC 05:16 The Importance of Respecting the Mutual Company and Your Policy 06:58 IBC is a Process, Not a Hack to Bleed Dry 07:38 The Regrets of Not Starting IBC Earlier ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In episode 88 of the Strategic Whole Life podcast, we talk about the (mostly bad) advice some people get to max out the loan provision immediately after buying a whole life insurance policy. This not only creates several risks, but the benefits of IBC go way beyond maxing out loans. IBC is not a gimmick or a trick. Policy loans are still loans. With IBC, we can protect ourselves from the often arbitrary decisions of bankers and politicians. But to do so, we must, in turn, protect this incredible asset, whole life insurance. 00:07 What we are doing with The Infinite Banking Concept (IBC) 01:20 Personal Experiences with Traditional Banking 03:10 The Importance of Long-Term Thinking in IBC 04:12 The Value of Liquidity and the Role of IBC 05:33 The Journey to Financial Sovereignty 08:24 Understanding the Risks of Max Loans 10:35 The Value of Whole Life Insurance 13:07 A Silver Lining ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. Don't Separate Base Premium and PUA When Buying Whole Life Insurance In episode 87, we talk about the risks of looking at base whole life premium and paid up additional life insurance (PUA) as separate considerations during the buying process. Treating base premium as the baseline commitment and PUA as a 'stretch target' can lead to unfulfilled expectations and potential policy underperformance or worse... We highlight the importance of setting a sustainable and comfortable premium level, advising against making PUA a stretch goal. This concern is especially relevant during the early years of a policy, and when the policy is designed for high PUA to base premium ratios. What should you consider instead? Tune in to find out! 00:07 Understanding Base Premium and Paid Up Additions 00:54 The Dangers of Overcommitting to Premiums 02:09 Components of a Whole Life Insurance Policy 03:30 The Risks of Making PUA a Stretch Target 04:22 The Impact of Not Paying PUA 07:19 Agents and Commissions 08:40 Designing a Sustainable Premium 09:35 Determining the Correct Premium 11:20 Conclusion and Next Steps ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In Episode 86, we discuss how practicing The Infinite Banking Concept™ can sometimes lead to a tendency to perceive whole life insurance as an "account," similar to a bank or brokerage account. This is not the case, and we'll talk about why! In this episode: --- EPISODE HIGHLIGHTS 01:02 Understanding Whole Life Insurance as Not an "Account" 02:35 Examples of "Account" Misconceptions 07:05 The Superpowers of Whole Life Insurance Come From it NOT Being an "Account" ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners. In this episode, we delve into the concept of whole life insurance dividends. We clear the usual misconception people have about dividends, explaining that insurance dividends are different from stock dividends. Here, we clarify that a whole life insurance dividend is essentially a yield coming from the surplus profit of a mutual based company. However, its calculation is more complex as it doesn't automatically imply specific yield to a policy. We emphasize the significance of the guaranteed values in whole life policies and how dividends add to this value. This discussion also touches upon the philosophy of why one should start with whole life policies and how dividends, which are part of the bigger financial picture, become a bonus. The key takeaway is understanding that insurance dividends come from a well-run, highly-regulated company, and longer you've been with them, the higher your dividend. EPISODE HIGHLIGHTS 00:00 Introduction to Whole Life Insurance Dividends 00:07 Understanding the Nature of Dividends 00:41 How Dividends are Calculated and Distributed 01:06 The Role of Surplus Profit in Dividends 02:33 The Difference Between Whole Life Dividends and Stock Dividends 06:11 The Impact of Dividends on Policy Maturity 07:34 Misconceptions About Dividend Rates 11:23 The Importance of Guaranteed Values Over Dividends 13:42 Comparing Whole Life Dividends to Stock Dividends 16:16 The Long-Term Benefits of Whole Life Dividends 19:44 Conclusion: The Value of Whole Life Dividends ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY

Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition). Episode 84 of the Strategic Whole Life podcast, "Beyond the Rate of Return: A Strategic Approach to Wealth Building." John Perrings challenges the conventional obsession with returns in financial planning. Drawing from his construction and finance experience in the data center industry, John uncovers why savvy institutional investors prioritize control and risk management over mere rate of return. Go through the financial lifecycle of an average investor, revealing how focusing on expense management and efficient use of resources can lead to more sustainable wealth growth than chasing volatile returns. EPISODE HIGHLIGHTS: 00:00 Introduction and Podcast Rebranding 00:18 Episode Overview: The Rate of Return Race 01:04 Financial Insights from the Data Center Business 02:10 Understanding Institutional Investors' Priorities 03:52 The Financial Journey of a Typical 35-Year-Old 05:56 The Impact of Taxes and Debt on Personal Finance 08:08 The Illusion of High Rate of Return 08:59 The Importance of Controlling Money Outflow 11:09 The Money Race: Tortoise (Banking) vs. Hare (Investing) 11:39 The Power of Capitalizing Before Investing 14:28 The Infinite Banking Concept: A Platform for Recycling Money 14:42 Conclusion: Moving Away from Rate of Return Focus 15:15 Look Below for Our Online Course ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY