Latest Episodes

Episode 34: The “More” Asset

One of the best aspects of Infinite Banking is that it allows the work of one dollar to do the work of two dollars. Unlike a typical investment which...

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Episode 33: The Why and How of IBC Convertible Term Insurance

In this episode, Infinite Banking authorized practitioners John Perrings and John Montoya cover what you need to know about convertible term insurance, how it relates to setting up your...

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Episode 32: Liquidity & Diversification

In this week’s episode we discuss how the IBC strategy brings about unrivaled liquidity and diversification to an overall financial plan. Sadly, most people think their financial plan are...

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Episode 31: Direct vs. non-Direct Dividends

One of the more confusing aspects of the Infinite Banking Concept is understanding how dividends work. Nearly all the information we find on the internet on this subject is...

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Episode 30: Getting Started with IBC in Your 50’s

“What gets us into trouble is not what we don’t know. It’s what we know for sure that just ain’t so.” – Mark Twain Is it too late to...

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Episode 29: Why You Need IBC in your 40’s (Part 2)

This episode picks up after episode 27 “Why You Need IBC In Your 40’s” to discuss how we use IBC focusing the asset accumulation side of wealth building. Just...

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Behind The Mic

John Montoya

Show Host

John Montoya, Founder of JLM Wealth Strategies, began his career in financial services in 1998 and is one of only 200 advisors who are authorized for both Infinite Banking Concept® and Bank on Yourself®

John D. Perrings

Show Host

John Perrings, Authorized IBC®, started StackedLife Financial Strategies after a 20-year career in Silicon Valley. John brings his experience in data center real estate, finance, and construction to help real people use money just like the banks do.

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The Infinite Banking Concept® (IBC) puts you in control of your money so you can keep it, grow it, and pass it on without taking any of the unnecessary risks that you otherwise get when you listen and follow the mainstream media about personal finance.

The name of our podcast, “The Fifth Edition,” is a call-back to the ground-breaking book Becoming Your Own Banker: Unlock the Infinite Banking Concept. The fifth edition is the most recent and final edition of the book before the author and creator of The Infinite Banking Concept®, R. Nelson Nash, passed away in 2019.

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