In this episode, I explain why typical financial planning advice has created a modern-day macro bubble where everyone is buying the same assets (S&P 500 index funds) at any price, and how Infinite Banking is a principles-based approach that provides guarantees and control instead of relying on market variables and hope.

LINKS:

1. Get my free weekly newsletter with exclusive content on financial education

2. Work with me: Schedule a consultation

• (00:00) - 117 The Financial Planning Bubble
• (00:37) - The Index Fund Mania
• (01:31) - Statistical Limitations of Market Data
• (03:57) - Problems with Typical Financial Planning
• (06:38) - Planning with Principles vs Variables
• (07:23) - Two Key Principles: Accumulation and Distribution
• (08:54) - The Unknown Danger of Dollar Cost Averaging
• (11:03) - Insurance Products as Distribution Assets
• (13:11) - Retirement Strategy Options
• (16:59) - Tying in The Infinite Banking Concept

In this myth-busting episode, I'll translate the complex math behind whole life insurance returns into language everyone can understand.

Using real numbers and my favorite financial calculator, I'll show you why comparing whole life insurance to other investments without accounting for taxes, fees, and death benefits is like comparing apples to oranges—and why this misunderstood financial tool might deserve a second look in your wealth-building strategy.

LINKS:

1. Get my free weekly newsletter with exclusive content on financial education

2. Get my free course, Supercharge Growth with Whole Life Insurance

2. Work with me: Schedule a consultation

• (00:00) - 012: The Math on Whole Life Insurance Returns
• (00:03) - Is Whole Life Really A "Bad Investment?"
• (00:31) - Book Recommendations
• (02:30) - Cash Value Growth is Not an Interest Rate Calculation
• (02:52) - Understanding Capital Equivalent Cost
• (03:41) - Breaking Out the Financial Calculators
• (07:36) - Whole Life Insurance as an Asset Class
• (09:01) - Accounting for Term Insurance
• (10:09) - Accounting for Taxes, Fees, Commissions, Custodianship
• (15:27) - Millions Lost When Term Insurance Expires
• (16:30) - Whole Life is NOT an Investment, But it Ain't No Slouch Either

Control is the most powerful benefit of Infinite Banking, yet most people overlook it. Find out why it matters more than any interest rate or dividend.

LINKS:

1. Get my free weekly newsletter with exclusive content on financial education

2. Work with me: Schedule a consultation

• (00:00) - 011 Why Control is Infinite Banking's Superpower
• (01:20) - Why the Biggest Problem is a Lack of Control
• (05:50) - The Solution is to Become Your Own Banker
• (06:44) - Example: 3 Ways to Buy a Car
• (10:30) - My Friend Bought His Dream Ski Cabin with IBC
• (12:54) - There is Only One Pool of Money in the World. How Much of it Do You Control?