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?

In this episode, I tackle one of the most common questions I receive: "How much money do you need to get started with Infinite Banking?"

In addition to some hard numbers, I explain the practical ranges, introduce my "Goldilocks Rule" for finding the perfect policy balance, and share strategies for kickstarting your IBC journey regardless of your current financial situation.

Whether you have a few hundred or a few hundred thousand dollars to commit, you'll learn how to determine the right starting point for your unique circumstances.

LINKS:

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

2. Work with me: Schedule a consultation

• (00:00) - 010 Main and 010 Screenshare
• (01:27) - Practical Minimum and Maximum Premium Amounts
• (03:32) - How Much Money Do You Want to Save?
• (04:18) - Emergency/Opportunity Fund
• (05:30) - Cash Flow Considerations
• (08:10) - Don't Play Games wtih Policy Design
• (11:32) - This Balanced Approach Does Better
• (13:23) - Going Bigger with Zero Out-of-Pocket
• (14:10) - Kickstart with an Additional Lump Sum
• (15:30) - Not Enough to Buy Whole Life? No Problem

Most people know life insurance has a tax-free death benefit, but that's just scratching the surface of tax advantages.

In this episode, I break down the three powerful tax advantages of whole life insurance and explain how the Infinite Banking Concept leverages these benefits to create tax-efficient financial strategies. I'll teach you about tax-deferred growth, tax-free access via policy loans, and strategies that can dramatically improve your financial picture - all within the framework of whole life insurance and IBC.

LINKS:

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

2. Work with me: Schedule a consultation

• (00:00) - The death benefit just scratches the surface
• (01:17) - Whole life is a cash equivalent
• (01:38) - Tax problems with other assets
• (04:29) - Whole life is taxed kind of like a ROTH
• (06:44) - Policy loans vs. "withdrawals"
• (10:00) - Unique tax strategies
• (18:29) - Common misconceptions about how whole life is taxed
• (20:43) - Get my newsletter at Newsletter.StackedLife.com

What Social Media Influencers Aren't Telling You About "High Early Cash Value" Policy Designs

"High early cash value" (sometimes referred to as "90/10") whole life policies are frequently promoted across social media, promising maximum early cash value with seemingly no downside.

In this episode, I demonstrate the hidden trade-offs that, in my experience, I never see disclosed to clients. We have compelling data from 50-year policy comparisons that shows why these designs often cost policyholders hundreds of thousands in long-term wealth potential.

Listen in to learn how Nelson Nash's principle of "thinking long-range" is essential and how a more balanced policy approach provides the flexibility and wealth-building capacity superior to high early cash value designs and can transform financial outcomes for generations.

LINKS:

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

2. Work with me: Schedule a consultation

• (00:00) - What to know about high early cash value
• (09:22) - The three ways to get high early cash value
• (10:10) - IRS rules are why policy design is even a thing
• (11:13) - Cash value is derived from the death benefit not separate from it
• (11:59) - More death benefit = more possible cash value
• (12:19) - 1. "Short-Pay" Policies
• (15:55) - 2. Big, long-dated term riders
• (16:58) - 3. Non-guaranteed policy elements
• (18:48) - 50 year comparison: Short-Pays vs. Long-Pay
• (26:26) - Paying premium takes precedence in the order of operations
• (29:05) - One additional payment changes the entire story
• (32:34) - Expanding the system
• (33:55) - Think long range

When evaluating term life insurance vs. whole life, you've probably heard the advice to 'buy term and invest the difference.' This popular recommendation has one glaring problem: it uses simplistic grade school math to add up premiums and declares whole life insurance 'too expensive.'

But when we apply proper financial math—analyzing true lifetime costs, equity building, and the time value of money—the comparison looks dramatically different. In this episode, I show why whole life insurance is an asset that creates wealth rather than an expense, and why the 'cheaper' option might actually cost you hundreds of thousands more over your lifetime and millions generationally.

LINKS:

1. Free mini-course: Adding Financial Certainty to Supercharge Growth

2. Work with me: Schedule a consultation

• (00:00) - 007 Term Insurance vs. Whole Life
• (02:00) - House Analogy
• (04:16) - Level of risk transfer to the insurance company
• (07:36) - Cost vs. Price
• (10:00) - Assets vs Liabilities
• (10:59) - Level premiums and inflation
• (13:06) - Buy term, invest the difference?
• (17:53) - Screenshare: whole life illustration to see the costs
• (22:05) - Less true costs with whole life
• (25:15) - Bigger death benefit with whole life
• (26:31) - Financial math shows term has a much higher cost
• (27:58) - "Buy whole life and invest it all"
• (30:20) - Cash value grows by more than the premium

Find out if you're the ideal candidate for Infinite Banking in this episode, where I discuss who benefits most from IBC.

Learn how this powerful strategy creates four key advantages: accessible "forced savings," smarter debt elimination, strategic funding for large purchases, and accelerated investment returns—all while maintaining complete control of your capital with less risk than traditional approaches.

LINKS:

1. Free mini-course: Adding Financial Certainty to Supercharge Growth

2. Work with me: Schedule a consultation

• (00:00) - Why some thrive and others struggle
• (01:32) - IBC Has Many "Ideal" Candidates
• (02:45) - Short List of Who IBC is NOT For
• (05:17) - Being Strategic in Your Actions
• (08:10) - The Two Questions to Ask Yourself
• (08:54) - "Forced Savings"
• (12:17) - How We Know Resiliency is the Biggest Problem
• (14:22) - Eliminating Debt
• (19:39) - Paying for Large Expenses
• (21:28) - Accelerating Investments
• (23:55) - Stacked Interest Acceleration