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Inhoud geleverd door John Montoya, John D. Perrings, John Montoya, and John D. Perrings. Alle podcastinhoud, inclusief afleveringen, afbeeldingen en podcastbeschrijvingen, wordt rechtstreeks geüpload en geleverd door John Montoya, John D. Perrings, John Montoya, and John D. Perrings of hun podcastplatformpartner. Als u denkt dat iemand uw auteursrechtelijk beschermde werk zonder uw toestemming gebruikt, kunt u het hier beschreven proces https://nl.player.fm/legal volgen.
Overeenkomstig met Strategic Whole Life by Infinite Banking Authorized Practitioners
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The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
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Welcome to an exciting new season of the podcast Your Career: Choice or Chance? - as we dive into the ever-evolving world of GenAI in the Workplace and explore the latest trends, experiences, and career journeys shaping the future of work as AI is increasingly ingrained in it. Each episode provides fresh insights, addressing the transformative influence of GenAI in shaping the workforce of tomorrow, making it a must-listen for anyone interested in staying ahead in the ever-evolving world of ...
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78: Generic Infinite Banking Advice: The Pitfalls of "Hacking" the Process
Manage episode 380368365 series 2926696
Inhoud geleverd door John Montoya, John D. Perrings, John Montoya, and John D. Perrings. Alle podcastinhoud, inclusief afleveringen, afbeeldingen en podcastbeschrijvingen, wordt rechtstreeks geüpload en geleverd door John Montoya, John D. Perrings, John Montoya, and John D. Perrings of hun podcastplatformpartner. Als u denkt dat iemand uw auteursrechtelijk beschermde werk zonder uw toestemming gebruikt, kunt u het hier beschreven proces https://nl.player.fm/legal volgen.
In Episode 78, we look hard at the "side hustle" and "hack" culture that has attempted to latch on to and sensationalize The Infinite Banking Concept™. It has resulted in an epidemic of generic life insurance advice. It's a race to the bottom to see who can show the "best" cash value. But what does that even mean?
Agents pushing whole life insurance policies with a hyper-focus on early cash value reinforce a short-term, high-risk financial mindset that can have significant long-term drawbacks.
Meanwhile, understanding the tradeoffs of different policy design components allows clients to solve for their needs on a much broader basis.
Tune in as we explore how a whole life policy, designed with strategic capitalization in mind, is the foundation for future investments, potentially putting you millions of dollars ahead.
EPISODE OUTLINE:
00:00:32 - Hyper Focus on Early Cash Value
00:05:08 - Missing the Bigger Picture
00:07:30 - Understanding IBC
00:09:01 - Importance of Information and Decision-Making
00:14:58 - Introduction
00:15:14 - Locking Money for Decades
00:16:42 - Don't Fear Paying a Premium
00:19:00 - Premium as a Value
00:21:02 - Beware of Sensationalism
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch if you want to see how to apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
118 afleveringen
78: Generic Infinite Banking Advice: The Pitfalls of "Hacking" the Process
Strategic Whole Life by Infinite Banking Authorized Practitioners
Delen
Manage episode 380368365 series 2926696
Inhoud geleverd door John Montoya, John D. Perrings, John Montoya, and John D. Perrings. Alle podcastinhoud, inclusief afleveringen, afbeeldingen en podcastbeschrijvingen, wordt rechtstreeks geüpload en geleverd door John Montoya, John D. Perrings, John Montoya, and John D. Perrings of hun podcastplatformpartner. Als u denkt dat iemand uw auteursrechtelijk beschermde werk zonder uw toestemming gebruikt, kunt u het hier beschreven proces https://nl.player.fm/legal volgen.
In Episode 78, we look hard at the "side hustle" and "hack" culture that has attempted to latch on to and sensationalize The Infinite Banking Concept™. It has resulted in an epidemic of generic life insurance advice. It's a race to the bottom to see who can show the "best" cash value. But what does that even mean?
Agents pushing whole life insurance policies with a hyper-focus on early cash value reinforce a short-term, high-risk financial mindset that can have significant long-term drawbacks.
Meanwhile, understanding the tradeoffs of different policy design components allows clients to solve for their needs on a much broader basis.
Tune in as we explore how a whole life policy, designed with strategic capitalization in mind, is the foundation for future investments, potentially putting you millions of dollars ahead.
EPISODE OUTLINE:
00:00:32 - Hyper Focus on Early Cash Value
00:05:08 - Missing the Bigger Picture
00:07:30 - Understanding IBC
00:09:01 - Importance of Information and Decision-Making
00:14:58 - Introduction
00:15:14 - Locking Money for Decades
00:16:42 - Don't Fear Paying a Premium
00:19:00 - Premium as a Value
00:21:02 - Beware of Sensationalism
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch if you want to see how to apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
118 afleveringen
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Out of all the misunderstandings about whole life insurance, the idea that it gets a "terrible rate of return" is probably the most common. But is it true? Tune in and, if you can, watch this one on video. I'm going to get out the Truth Concepts calculator and prove to you that whole life gets exceptional growth, compared to other assets, when you know how to compare capital equivalent value. ---- EPISODE HIGHLIGHTS: 00:15 Debunking Myths About Whole Life Insurance 01:04 Recommended Reading for Whole Life Insurance 01:52 Understanding Whole Life Insurance Rate of Return 03:26 Using the Truth Concepts Calculator 05:10 Comparing Whole Life Insurance to Other Assets 09:16 The Value of Permanent Life Insurance ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/... Online Course: IBC MASTERY https://www.stackedlife.com/ibc-mastery ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! https://www.strategicwholelife.com/p/... ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY: https://www.stackedlife.com/ibc-mastery…
A financial mania is when everyone is clamoring to buy the same thing at the same time at any price. Isn't that exactly what the typical financial planning advice has us do? Just about everyone you know is, right now and for the last twenty years, plowing dollar after dollar into an index fund tracking the S&P500, mutual funds, etc. And the only information we have about this investment strategy is changing variables. What about this precisely is a "financial plan?" Tune in to learn about how principles beat variables every time. ---- EPISODE HIGHLIGHTS: 00:18 What is a Mania or Bubble 01:03 Typical Financial Planning 03:46 The Problem with Average Rates of Return 04:44 The Uncertainty in Financial Planning 06:57 Planning Principles, not Variables 07:48 Accumulation + Distribution Assets 11:09 Strategies for Retirement Income 13:31 The Best Part is IBC Comes Attached Automatically ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/ibc-mastery ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! https://www.strategicwholelife.com/p/contact/ ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY: https://www.stackedlife.com/ibc-mastery…
A common misconception about whole life insurance is that you're locked into paying a big premium forever. In this episode, we'll discuss all the ways this is not true, especially when buying a policy designed for The Infinite Banking Concept, which most often uses the Paid-Up Additions Rider. Certainty has a true economic value, and the predictability of a whole life premium over decades is a true financial boon. Tune in to learn all about it! ---- EPISODE HIGHLIGHTS: 02:21 Comparing Whole Life to Other Insurances 09:10 Flexibility offered by the PUA Rider 18:44 Billing Modes and Payment Strategies 24:36 Options for Managing Premium Payments ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/ibc-mastery ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! https://www.strategicwholelife.com/p/contact/ ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY: https://www.stackedlife.com/ibc-mastery…
Follow us through time as we talk about how The Infinite Banking Concept can make a difference in your financial life at every stage of life. We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond. It's not called "Whole Life" insurance for nothing! Tune in... ---- EPISODE HIGHLIGHTS: 02:26 Starting Infinite Banking in Your 20s 08:05 Building Wealth in Your 30s 12:34 Maximizing Financial Strategies in Your 40s 15:09 Financial Planning in Your 50s 19:40 Preparing for Retirement in Your 60s 29:00 Estate Planning and Legacy in Your 70s 31:36 Conclusion and Further Resources ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/ibc-mastery ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! https://www.strategicwholelife.com/p/contact/ ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY: https://www.stackedlife.com/ibc-mastery…
In this episode, John Montoya explains the ins and outs of premium deposit funds. If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds. ---- EPISODE HIGHLIGHTS: 00:43 Advantages of Premium Deposit Funds 04:35 Considerations and Setup 05:58 Flexibility and Convenience ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/ibc-mastery ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! https://www.strategicwholelife.com/p/contact/ ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY: https://www.stackedlife.com/ibc-mastery…
When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time. With money, we must use financial math to account for the time variable. When we do that, the numbers tell a much different story than what the "buy term, invest the difference" people tell. The true cost of term insurance could be tens of millions or more! Join us today as we once again examine some numbers to reveal the truth about what term insurance really costs. ---- EPISODE HIGHLIGHTS: 00:53 Understanding Asset Classes 01:39 Term Insurance vs. Whole Life Insurance 04:18 Cost Analysis: Math vs. Financial Math 06:30 Graphical Illustration of Costs 10:50 Generational Impact of Term Insurance ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
John Montoya covers 31 insights he devised about the importance of whole life insurance. This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security. There really is no other asset like whole life insurance! Tune in... ---- EPISODE HIGHLIGHTS: 00:21 The Motivation Behind This Episode 00:57 31 Key Insights About Whole Life Insurance 05:36 The Philosophy and Impact of Whole Life Insurance 11:40 Avoiding "Arrival Syndrome" 17:26 Encouragement and Final Thoughts ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day. Because whole life insurance is an asset that builds equity, not all premiums are a true cost like they are with term insurance. In this episode, we break down the math and provide a real, apples-to-apples comparison of the true costs of term vs. whole life. Check it out! ---- EPISODE HIGHLIGHTS: 00:20 Term vs. Whole Life Insurance 01:11 The Math Behind Insurance Costs 04:00 Term Insurance Risks 06:29 Whole Life Insurance Builds Equity 12:55 Real Client Example: Cost Analysis 18:41 The Unseen Costs of Term Insurance ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
In today's episode, we discuss a misleading IUL ad we found on Instagram. We break down the numbers to explain why this ad (and IUL in general) is, in our professional opinion, a smoke-and-mirrors game. Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk... Nothing could be further from the truth. IUL is not an investment, and it's not just "unbundled whole life," either. Tune in to learn all about IUL. ---- EPISODE HIGHLIGHTS: 00:17 Misleading IUL Ads: A Real-Life Example 02:01 The Impermanence of IUL Policies 04:20 What Floors, Caps, and Par Rates Do to the Numbers! 08:24 Historical Context and Regulatory Changes 27:37 The Cost of Insurance in IUL Policies 35:17 A Call to Action If You Own an IUL Policy ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
Today, we have a special guest, Dave Mozeika, co-founder of the cash flow platform called Currence. In episode 103, we discussed the problem of a lack of focus on savings and spending. Today's topic, Currence, is the solution to that problem. Currence is about setting up a better cash flow structure that, combined with IBC, can create financial freedom faster than you ever thought possible. Tune in to learn how! >>Talk to us about Currence<< ---- EPISODE HIGHLIGHTS: (00:12) Guest Introduction: Dave Mozica (00:54) The Problem with Budgeting (01:25) Dave Mozica's Background and Career (03:49) Understanding Cash Flow and Financial Structure (05:24) Introduction to Currence (09:07) How Currence Works (19:19) Implementing Currence (22:00) Currence and Infinite Banking Concept (22:27) Managing IBC Transactions with Currence (23:38) Integrating Currence with a Wealth Coordination Accounts (24:32) Personal Examples of Multiple Checking Accounts (26:17) The Currence Spending Baseline (26:56) The Role of Calibration Sessions (31:04) IBC Doesn’t Necessarily Fix Spending Problems (32:48) The Power of Connected Cash Flow (38:06) Success Stories and Client Experiences (43:13) Empowering Advisors with Currence (45:58) Final Thoughts and How to Get Started ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
In this episode, we'll discuss how IBC positively affects every stage of life, from your first job and accumulation to retirement and transferring a financial legacy. Tune in! ---- EPISODE HIGHLIGHTS: (02:08) Starting Your Financial Journey: First Job (10:47) Building a Family and Financial Security (19:50) Accumulation Phase: Growing (and Protecting) Your Wealth (24:40) Pre-Retirement Planning: Maximizing Efficacy (30:43) Retirement Phase: Leveraging Certainty Assets (37:20) Legacy Transfer and Estate Planning (42:32) Why Whole Life Insurance Works at Every Stage ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
We have spent a lot of time discussing why paying premiums is great and why we should want to pay them for as long as possible. From an Infinite Banking perspective, why would we not want to capitalize our "bank" to the greatest extent possible? This begs the question: is it ever appropriate to not pay a premium for a long time? A "Single-premium" whole life policy is designed for one premium, and that's it. As usual, there are significant tradeoffs to this type of design, the biggest of which concerns taxes. Tune in to this episode and learn about three potential use cases for a single-premium whole life insurance policy. ---- EPISODE HIGHLIGHTS: (01:41) Single Premium Policies as a CD Replacement for Seniors (06:53) Single Premium Policies for Real Estate Investors (14:07) Single Premium Policies for College Planning ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
How and when should you use IBC to pay for expenses vs just paying cash? In this episode, we share a "recurring expense funds" model that proves the mechanics of using The Infinite Banking Concept to better pay for large recurring expenses. Subscribers to the IBC MASTERY online course can watch a deep-dive video explanation of the recurring expense fund model. ---- EPISODE HIGHLIGHTS: (00:58) The Capitalization Phase Explained (03:28) Mindset and Financial Strategy (08:49) Practical Applications and Examples (14:31) Evaluating Recurring Expense Funds (21:29) Long-Term Benefits of This Model ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
Do you even *want* to get well financially? Humans tend to reject solutions to their problems. In the book Becoming Your Own Banker , Nelson Nash talks about the problem most people face: they do not have control over their need for financing throughout their lives. If there is a solution to this problem, can you think of any reason not to embrace it or, at minimum, to make some effort to understand it? Embrace the solution, friends! ---- EPISODE HIGHLIGHTS: (00:18) Humans Have a Tendency of Rejecting Solutions to Problems (01:12) Asking the Right Questions (01:21) The Value of Whole Life Insurance (01:52) Do You Want to Get Well, Financially? (02:37) Embracing the Solution: Whole Life & IBC ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
Buying things based on interest rates alone can be a big problem. We seeing the proof of that right now in the commercial real estate market where owners having to refinance at higher rates is causing fire-sales pretty much across the board. It's also true with other asset classes like whole life insurance. Sometimes people will pass up whole life because they think they can get better rates on either growth or loans somewhere else. But one thing we know is true: Rates change. People who passed on whole life 5 years ago because bank rates were lower are kicking themselves now that bank rates have gone up! ---- EPISODE HIGHLIGHTS: (00:22) Understanding Rates and Whole Life Insurance (01:23) The Misconception of Rates in Financial Decisions (02:25) A Good Decision About Rates Now Can Be a Bad One Later (04:10) The Benefits of Whole Life Insurance Beyond Rates (12:30) Policy Loan Rates Explained (20:33) The Importance of Control Over Financing (20:45) Time Preference and Financial Planning (24:07) Recommended Reading on Interest Rates ---- LINKS: Get in touch: SCHEDULE A CONSULTATION Online Course: IBC MASTERY ---- About Your Hosts: Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics! John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide. John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide. ---- Connect with us Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today! ---- ONLINE COURSE: Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®. Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance: IBC MASTERY…
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