Latest Episodes

Episode 18: Ideal Characteristics of a Perfect Investment

In this week’s episode, IBC authorized practitioner’s John Montoya and John Perrings discuss all the ideal characteristics you should want if the perfect investment existed. In other words, where...

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Episode 17: How, When, And Should You “Pay Up” a Whole Life Policy

In this week’s episode, IBC practitioners John Montoya and John Perrings discuss what separates the average Whole Life policy from an Infinite Banking designed Whole Life policy when it...

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Episode 16: Taking Advantage of Human Life Value

In this week’s episode of The Fifth Edition, we discuss how and why you should be taking advantage of your Human Life Value, especially as it pertains to the...

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Episode 15: Whole Life is Not an Expense

In today's episode we discuss Whole Life insurance to better understand the expense side of Whole Life policies and how it relates to Infinite Banking.

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Episode 14: 3 Lessons IBC Can Teach You About Money

Learn the 3 most important life lessons IBC teaches about money that you won't learn by following the conventional financial models.

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Episode 13: Do You Really Have a Whole Life Policy?

In this episode we discuss how to know for sure what type of permanent life insurance policy you own and the reasons why it matters!

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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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