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The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back in control of your mone ...
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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 applicab…
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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…
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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 the…
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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 collea…
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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 …
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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 beca…
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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 …
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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," …
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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 inv…
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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 miss…
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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: 401k and IRA deductions The sole purpose of life insurance Misunderstood commission struct…
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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 misconception…
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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 stakehol…
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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 benefit…
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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.…
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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! I…
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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 l…
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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, …
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ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below. In Episode 83, host John Montoya interviews Doug McKenzie, a new Infinite Banking Concept (IBC) practitioner, to explore his transition from a traditional financial mindset to embracing IBC. Doug shares his initial skepticism abo…
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ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below. In Episode 82, we welcome Todd Langford, creator of the Truth Concepts software, for an enlightening conversation on the complexities of financial math and the misconceptions surrounding whole life insurance. Todd shares his jour…
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ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below. Welcome to the final installment of our transformative series, "IBC First Principles: Mastering the Basics of Privatized Banking, Part 3." In Episode 81, we bring our three-part series to a close by examining principles 8 through…
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ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below. Episode 80: Dive into Part 2 of the enlightening "IBC First Principles: Mastering the Basics of Privatized Banking." This segment unpacks principles 4 through 7, shedding light on the journey of your money and the importance of w…
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In Part 1 of our 3-part series "IBC First Principles," we analyze some core concepts that make up The Infinite Banking Concept (IBC). In this episode, we discuss the first three of ten "first principles": Learn how understanding traditional financial systems empowers you to take control of your money ("If you know what's going on, you'll know what …
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In Episode 78, we look hard at the "side hustle" and "hack" culture that has attempted to latch on to and sensationalize The Infinite Banking Concept™. It has resulted in an epidemic of generic life insurance advice. It's a race to the bottom to see who can show the "best" cash value. But what does that even mean? Agents pushing whole life insuranc…
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Main Episode Description In this essential Episode 77, we navigate the complex world of disability protections, examining the "Disability Waiver of Premium" rider in whole life insurance policies and how it contrasts with an actual disability insurance policy. But that's not all: we also delve into how disability insurance can complement The Infini…
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Main Episode Description In Episode 76, we hit on one of the most relatable yet destructive emotions in personal finance: the Fear of Missing Out, or "FOMO." As you implement The Infinite Banking Concept (IBC), FOMO is one of the first problems that can pop up and derail the process. It's so easy to get lured into the glitz and glamour of immediate…
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Main Episode Description This episode discusses The Infinite Banking Concept and its growing relevance in today's volatile financial landscape. While many have become jaded, grappling with market fluctuations, pervasive risk, lost opportunities, and soaring debts, Infinite Banking continues to prove itself as an oasis of stability. Imagine starting…
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Main Episode Description In this insightful episode, John Montoya discusses one of the more nuanced elements of Whole Life Insurance: policy loan interest. Often overlooked, understanding this component is crucial for those practicing the Infinite Banking Concept ™. We start with a simple truth: There is no such thing as a free lunch! John unravels…
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Main Episode Description Dive into a profound conversation with a titan of the life insurance world, Trent Fortner, whose 35-year career has spanned from being a multi-million dollar producer to shaping the next generation of life insurance agents as a distinguished business coach. In this episode: Software Revolution: Explore the seismic shift bro…
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Main Episode Description In this episode, we are honored to be joined by David Stearns, Director of the Nelson Nash Institute (NNI). The NNI was started by R. Nelson Nash, the founder and creator of The Infinite Banking Concept ™. Lean more about the official home of IBC at InfiniteBanking.org. David Stearns is not only the Director of the NNI, but…
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Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®. Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance: IBC MASTERY ---- Main Episode Description In this profound episode, we journey into t…
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Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®. Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance: IBC MASTERY ---- Main Episode Description You may ask yourself, "Am I ready to become…
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Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®. Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance: IBC MASTERY ---- Main Episode Description Like everything else in life, when it comes…
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Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®. Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance: IBC MASTERY ---- Main Episode Description With funding life insurance for IBC, a litt…
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Stop wasting hours on YouTube trying to piece together the information you want about The Infinite Banking Concept. Use code "PODCAST" to get 50% off of our soup-to-nuts online course: IBC MASTERY Main Episode Description Real estate investors are familiar with the idea of a 1031 exchange that allows them to exchange like-for-like value from one re…
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Stop wasting hours on YouTube trying to piece together the information you want about The Infinite Banking Concept. Use code "PODCAST" to get 50% off of our soup-to-nuts online course: IBC MASTERY Main Episode Description The Paid Up Additions (PUA) rider is one of the most well-known components of an "IBC-Style" whole life insurance policy. Most p…
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Stop wasting hours on YouTube trying to piece together the information you want about The Infinite Banking Concept. Use code "PODCAST" to get 50% off of our soup-to-nuts online course: IBC MASTERY Main Episode Description One of the biggest financial problem we all face comes straight from the book, Becoming Your Own Banker; Parkinson's Law. "A lux…
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Stop wasting hours on YouTube trying to piece together the information you want about The Infinite Banking Concept. Use code "PODCAST" to get 50% off of our soup-to-nuts online course: IBC MASTERY Main Episode Description There is a ton of information about Infinite Banking out there and opinions about "correctly-designed" policies probably top the…
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** Get a 50% off our online course, IBC Mastery ** With current rising interest rates, many carriers have similarly raised the interest rates on policy loans. Many whole life policy owners are wondering how this will affect their practice of The Infinite Banking Concept ®. In this episode we talk about policy loan rates and what to expect with whol…
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Episode Description Unlike your typical investing, whole life insurance must be looked at in a different light. Life insurance is not an investment and it never has been. The good news is that, while life insurance is not an investment, what it actually is makes all of your investments perform even better. Tune in to this one and get a better under…
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In his book, Becoming Your Own Banker, Nelson Nash did something very special to help readers gain a deeper understanding of the importance of capital formation. Rather than discuss money directly, he talked about it through the example of a grocery store owner stocking cans of peas. Nelson used food inventory because, just like money, it can be bo…
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Get all the info you need about The Infinite Banking Concept® at: www.TheFifthEdition.com Main Episode Description: One of the most valuable traits an IBC practitioner can have is patience - you need to be able to “think long range”, as Nelson put it. Which brings us to today’s topic: short pay and long pay policies. This is a hotly debated topic a…
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One of the most common questions we get about starting the process of acquiring a whole life insurance policy for Infinite Banking® is how the application process works. Applying for life insurance can be somewhat daunting but it doesn't have to be. With an experienced advisor it is possible to navigate the underwriting process with ease. Even if y…
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Description: A very common question we get is how multiple whole life insurance policies come into play for Infinite Banking. In chapter 6 of Becoming Your Own Banker, Nelson Nash states "...I am not describing one life insurance policy. This is to be a system of policies." In chapter 12 he states "We need a system of many policies to do the job [o…
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An often overlooked benefit of The Infinite Banking Concept® is the tax efficiency created by becoming your own banker. In this episode, we discuss three ways IBC can improve your tax situation: Using IBC to create the funds with which to pay taxes Creating the system to build business income which allows for more reduction of tax Retirement strate…
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With so much economic uncertainty, sometimes it can be difficult to fund the things in your life that are important to you, including your IBC whole life insurance policy. However, there may be a way that you can make up for the lost ground. The “Catch Up Provision” in the PUA rider of many whole life policies allows you to catch up with missed PUA…
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In this very special special and personal episode, we interview co-host John Montoya's wife, Kelly Vail, about her battle with cancer. As a business owner, Kelly started IBC as a way to be more efficient with her cash flow. Little did she know that, years later, the living benefits of whole life insurance would literally save her life. When the hea…
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When you’re making financial decisions for yourself, you need to be aware of the economic landscape around you. However, this can be difficult to do given how quickly and often things can change. This week, we tackle a listener question: “Will the traditional rules of finance hold strong or will the rules change in the next 40 years?” Tune in to he…
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Join us in this episode as we discuss how your finances are like training for a battle. It's common to use sports-based analogies like "offense & defense" when it comes to money but the typical mainstream financial plan often has tactical disadvantages on both ends from inadequate protection to chasing rates of return in risky investments that unde…
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Join us for our first video podcast where we do a full presentation on an IBC Retirement Strategy! Overview: You can almost draw a line in the sand separating the time before and after discovering The Infinite Banking Concept®. As such, your financial lives become divided in two: All of the possible future decisions that can be made through the imp…
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