Episodes

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.

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 …

In the 100th episode of the Strategic Whole Life Podcast, hosts John Montoya and John Perrings bring together two of their best clients to share their real life experiences with The Infinite Banking Concept (IBC).

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 …

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 …

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™!

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 …

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 retireme...

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!

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 …

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 …

Join us as we get into some myths about: 401k and IRA deductions The sole purpose of life insurance Misunderstood commission structures The 4% withdrawal rule And the traditional 60/40 stock-bond allocation.

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...

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 …

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 …

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 …

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 …

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.

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 …

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 about whole life insurance and how his quest for more efficient …

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 con...

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 Basi...

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 …

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": 1) If you know what's …