Latest Episodes

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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Episode 12: Why you Should Avoid IBC

Why should you avoid IBC? We'll give you at least a handful of reasons. Listen in and see if you can relate to what we have to...

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Episode 11: Life Insurance Policy Design

To maximize all the benefits of life insurance your financial and individual goals will determine your best plan. Take a listen!

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Episode 10: The Safety of Life Insurance Companies

If the life insurance industry is safe enough for bank money, there's stand a good reason it's safe enough and a smart option for you, too.

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Episode 9: Smart Strategies to Reduce Debt

If you have debt but would like to get started with IBC, reach out to us and let's explore how best to prioritize your cash flow

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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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