Parhaat Infinite Banking Podcastit (2024)

1
118: The Math Proving Whole Life Insurance Returns 18:28

3M ago18:28

18:28

Out of all the misunderstandings about whole life insurance, the idea that it gets a "terrible rate of return" is probably the most common. But is it true? Tune in and, if you can, watch this one on video. I'm going to get out the Truth Concepts calculator and prove to you that whole life gets exceptional growth, compared to other assets, when you …

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117: The Financial Planning Bubble 19:37

3M ago19:37

19:37

A financial mania is when everyone is clamoring to buy the same thing at the same time at any price. Isn't that exactly what the typical financial planning advice has us do? Just about everyone you know is, right now and for the last twenty years, plowing dollar after dollar into an index fund tracking the S&P500, mutual funds, etc. And the only in…

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116: How Whole Life Insurance is Predictable and Flexible 28:15

4M ago28:15

28:15

A common misconception about whole life insurance is that you're locked into paying a big premium forever. In this episode, we'll discuss all the ways this is not true, especially when buying a policy designed for The Infinite Banking Concept, which most often uses the Paid-Up Additions Rider. Certainty has a true economic value, and the predictabi…

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115: Infinite Banking For Every Stage of Life 32:31

4M ago32:31

32:31

Follow us through time as we talk about how The Infinite Banking Concept can make a difference in your financial life at every stage of life. We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond. It's not called "Whole Life" insurance for nothing! Tune in... ---- EPISODE HIGHLIGHTS: 02:26 Starting Infinite Banking in Your 20s 08:05 …

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114: What is a Premium Deposit Fund? 8:47

4M ago8:47

8:47

In this episode, John Montoya explains the ins and outs of premium deposit funds. If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds. ---- EPISODE HIGHLIGHTS: 00:43 Advantages of Premium Deposit Fund…

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113: What Term Insurance REALLY Costs You 15:58

4M ago15:58

15:58

When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time. With money, we must use financial math to account for the time variable. When we do that, the numbers tell a much different story than what the "buy term, invest the difference" people tell. The true cost of term insu…

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112: 31 Things to Know About Whole Life Insurance 18:34

5M ago18:34

18:34

John Montoya covers 31 insights he devised about the importance of whole life insurance. This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security. There really is no other asset like whole life insurance! Tune in... …

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111: The Real Costs of Term vs. Whole Life Insurance 22:49

5M ago22:49

22:49

When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day. Because whole life insurance is an asset that builds equity, not all premiums are a true cost like they are with term insurance. In this episode, we break down the math and provide a real, apples-to-apples comparison …

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110: Why You Should Just "Say No" to IUL 37:19

5M ago37:19

37:19

In today's episode, we discuss a misleading IUL ad we found on Instagram. We break down the numbers to explain why this ad (and IUL in general) is, in our professional opinion, a smoke-and-mirrors game. Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk... Nothing cou…

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109: Currence: An IBC Operating System 46:43

5M ago46:43

46:43

Today, we have a special guest, Dave Mozeika, co-founder of the cash flow platform called Currence. In episode 103, we discussed the problem of a lack of focus on savings and spending. Today's topic, Currence, is the solution to that problem. Currence is about setting up a better cash flow structure that, combined with IBC, can create financial fre…

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108: The Value of IBC in Every Stage of Life 48:14

6M ago48:14

48:14

In this episode, we'll discuss how IBC positively affects every stage of life, from your first job and accumulation to retirement and transferring a financial legacy. Tune in! ---- EPISODE HIGHLIGHTS: (02:08) Starting Your Financial Journey: First Job (10:47) Building a Family and Financial Security (19:50) Accumulation Phase: Growing (and Protecti…

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107: 3 Cases for Single Premium Whole Life 18:47

6M ago18:47

18:47

We have spent a lot of time discussing why paying premiums is great and why we should want to pay them for as long as possible. From an Infinite Banking perspective, why would we not want to capitalize our "bank" to the greatest extent possible? This begs the question: is it ever appropriate to not pay a premium for a long time? A "Single-premium" …

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106: Smarter Recurring Expenses with IBC 29:40

6M ago29:40

29:40

How and when should you use IBC to pay for expenses vs just paying cash? In this episode, we share a "recurring expense funds" model that proves the mechanics of using The Infinite Banking Concept to better pay for large recurring expenses. Subscribers to the IBC MASTERY online course can watch a deep-dive video explanation of the recurring expense…

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105: Do You Want to Get Well? John 5:6 and IBC 5:01

6M ago5:01

5:01

Do you even *want* to get well financially? Humans tend to reject solutions to their problems. In the book Becoming Your Own Banker, Nelson Nash talks about the problem most people face: they do not have control over their need for financing throughout their lives. If there is a solution to this problem, can you think of any reason not to embrace i…

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104: Live and Die by the Interest Rates 25:52

7M ago25:52

25:52

Buying things based on interest rates alone can be a big problem. We seeing the proof of that right now in the commercial real estate market where owners having to refinance at higher rates is causing fire-sales pretty much across the board. It's also true with other asset classes like whole life insurance. Sometimes people will pass up whole life …

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103: The Extraordinary Potential of Saving Money with IBC 32:59

7M ago32:59

32:59

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 …

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102: Ian King's IBC Blueprint: A Real Estate Investor's Perspective 50:42

7M ago50:42

50:42

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 …

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101: IBC 101 - Ten Things You Should Know to Get Started 36:28

8M ago36:28

36:28

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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100: Celebrating IBC Success with Real Clients 41:37

8M ago41:37

41:37

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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99: Maximizing Tax Benefits: A Primer to Whole Life, ROTH, and Bonds 18:48

8M ago18:48

18:48

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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98: Great Ideas from the 2024 IBC Think Tank 30:22

9M ago30:22

30:22

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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97: The Best Mindset to Start a Whole Life Insurance Policy 29:42

9M ago29:42

29:42

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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96: IBC Policy Loans vs. Margin Loans 23:37

9M ago23:37

23:37

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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95: Cash Flow vs. "B.S." Retirement with Walter Young 36:24

10M ago36:24

36:24

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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94: Introducing IBC to Your Partner 27:43

10M ago27:43

27:43

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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93: Hidden Agenda: When Life Insurance Agents Wear Two Hats 24:00

10M ago24:00

24:00

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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92: Solving for the Banking Function: A True Financial Revelation 18:41

10M ago18:41

18:41

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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91: Five Myths Your Financial Advisor Believes 32:08

10M ago32:08

32:08

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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90: Why Whole Life Insurance is the Ultimate Cash Asset 19:29

11M ago19:29

19:29

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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89: The Secret to Why IBC Works 9:50

11M ago9:50

9:50

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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88: IBC Insights: The Risks of Overextending Policy Loans 19:16

11M ago19:16

19:16

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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87: Don't Separate Base Premium and PUA When Buying Whole Life Insurance 12:43

11M ago12:43

12:43

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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86: Whole Life Insurance is Not an "Account". It's Better Than That. 9:54

12M ago9:54

9:54

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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85: Beyond the Percentage: Understanding Whole Life Insurance Dividends 22:20

12M ago22:20

22:20

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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84: Beyond Rate of Return: A Strategic Approach to Wealth Building 15:56

12M ago15:56

15:56

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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83: Becoming an IBC Practitioner with Doug Mackenzie 27:13

1y ago27:13

27:13

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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82: Clarifying the Math in Finance with Todd Langford, Creator of Truth Concepts 46:13

1y ago46:13

46:13

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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81: IBC First Principles: Mastering the Basics of Privatized Banking, Part 3 36:32

1y ago36:32

36:32

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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80: IBC First Principles: Mastering the Basics of Privatized Banking, Part 2 29:44

1y ago29:44

29:44

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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079: IBC First Principles: Mastering the Basics of Privatized Banking, Part 1 32:50

1y ago32:50

32:50

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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78: Generic Infinite Banking Advice: The Pitfalls of "Hacking" the Process 28:43

1y ago28:43

28:43

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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77: Disability Safeguards and IBC: Waiver of Premium vs. True Disability Insurance 32:57

1y ago32:57

32:57

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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76: Conquering FOMO: The Cost of Sidestepping The Infinite Banking Concept 36:10

1y ago36:10

36:10

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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75: Turnkey Profits with Infinite Banking 28:44

1y ago28:44

28:44

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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74: Navigating Policy Loan Interest: The Honest Infinite Banker's Guide 19:58

1y ago19:58

19:58

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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73: Financial Evolution with Trent Fortner: From Capital Needs to Infinite Banking 55:15

1y ago55:15

55:15

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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72: Inside Infinite Banking: David Stearns Distinguishes the Authentic from the Superficial 51:39

1y ago51:39

51:39

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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71: Finding Your "Why." 9 Reasons You Should Practice IBC 34:00

1y ago34:00

34:00

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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70: When to Get Started with Infinite Banking 30:02

1+ y ago30:02

30:02

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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69: How NOT to Buy Life Insurance 32:34

1+ y ago32:34

32:34

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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