Shows
StackedLife - Authorized Infinite Banking18: Stop Chasing IBC Tactics and Focus on Principles InsteadMany people get caught up in the financial tactics that sometimes go with Infinite Banking, but they overlook the unchanging principles that make strategies sustainable.This leads to reactive decisions and vulnerability when markets shift, leaving them without control over their money.Topics Discussed:(00:00) - 18: Stop Chasing IBC Tactics
(00:45) - Starting Over After Market Crashes
(01:51) - Principles vs. Tactics in IBC
(03:29) - Core Principle: Control
(06:43) - Core Principle: Leverage
(09:23) - Core Principle: Liquidity
(11:10) - Mindset and Long-Term Thinking
(16:45) - Get a Free Assessment to See if IBC is Right For You
More...2025-07-1517 min
StackedLife - Authorized Infinite Banking17: How to Scale Your Premiums Up and DownWhole Life insurance premiums are not as "locked-in" as people sometimes fear. Listen in to learn how to scale premiums down during a cash crunch and, more importantly, scale premiums up to accelerate growth. Especially important topic for those implementing The Infinite Banking Concept.Topics Discussed:(00:00) - 017 How to Scale Premium Up and Down
(01:51) - How I Have Used Whole Life Flexibility, Personally
(03:26) - Comparing Whole Life Insurance to Other Insurance
(04:07) - Setting the Stage for Flexibility
(06:07) - Scale Down PUA Premium
(08:52) - Using Policy Loans to Pay Premium
(10:13) - Premium Offsets to Pay Premium
(11:03...2025-07-0114 min
StackedLife - Authorized Infinite Banking16: The Dangerous Illusion of Average ReturnsAverage rates of return are a dangerous illusion based on flawed statistics. In most cases throughout history, real returns were lower than market averages, and the difference was in the millions.LINKS:1. Get a free one-on-one Financial Assessment2. Get my free weekly newsletter with exclusive content on financial education3. Free mini-course: Supercharge Financial Growth with Whole Life4. Work with me: Schedule a consultation(00:00) - Introduction and Common Financial Advice
(01:19) - Debunking the Average Rate of Return Myth
(02:15) - Statistical Errors in Rolling Averages
(05:52) - Real-World...2025-06-1915 min
StackedLife - Authorized Infinite Banking15: The IBC Operating System: How Currence Transforms Your Cash FlowDiscover how Currence acts as the "operating system" for Infinite Banking by automatically capturing every dollar that enters your life and reversing the flow from unconscious spending to unconscious saving. Learn how this technology separates your consumption choices from your income, enabling you to build wealth effortlessly while maximizing the effectiveness of your whole life insurance policies. LINKS:1. Learn more or get started with Currence2. Get my free weekly newsletter with exclusive content on financial education3. Free mini-course: Supercharge Financial Growth with Whole Life4. Work with me: Schedule a...2025-06-1044 min
Infinite Banking InitiativeJohn PerringsTired of chasing risky investments and still feeling broke? Discover how the Infinite Banking Concept gave one former Silicon Valley tech pro total control over his money — and his life.In this episode, IBC Practitioner John Perrings of StackedLife reveals how big investors (it's not what you think!) gain unshakeable control over their wealth. Forget those quick "financial hacks" – John explains why building a solid financial structure with the Infinite Banking Concept (IBC) leads to such incredible freedom, it'll feel like a hack later on!Stay Connected:🌐 Visit us: www.infinitebanking.org📖 G...2025-06-0250 min
StackedLife - Authorized Infinite Banking14: The True Cost of Term InsuranceIs term insurance to blame for the fact that every generation essentially has to start from zero, financially?In this episode, I break down the real financial math behind term insurance versus whole life insurance, revealing how a seemingly 'cheap' $1,100 annual term premium can actually cost a family over $43 million across three generations. I'll show you why comparing these two types of insurance requires understanding net compound costs, not just premium prices.LINKS:1. Learn more or get started with Currence cash flow technology2. Get my free weekly newsletter with exclusive content o...2025-05-3114 min
StackedLife - Authorized Infinite Banking13: The Financial Planning BubbleIn this episode, I explain why typical financial planning advice has created a modern-day macro bubble where everyone is buying the same assets 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 education2. 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...2025-05-2318 min
StackedLife - Authorized Infinite Banking12: The Math on Whole Life Insurance ReturnsIn 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 education2. Get my free course, Supercharge Growth with Whole Life Insurance...2025-05-1717 min
StackedLife - Authorized Infinite Banking11: Why the Number 1 Superpower of IBC is Control 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 education2. 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) - Th...2025-04-2417 min
StackedLife - Authorized Infinite Banking10: How Much Do You Need to Start IBC?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 think about the right starting point for IBC.LINKS:1. Get my free w...2025-04-0917 min
StackedLife - Authorized Infinite Banking09: Tax Advantages of IBC Whole LifeMost 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 education2025-04-0321 min
StackedLife - Authorized Infinite Banking08: High Risk with High Early Cash ValueWhat 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...2025-03-2736 min
StackedLife - Authorized Infinite Banking07: Term Life Insurance vs. Whole LifeWhen 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...2025-03-1031 min
StackedLife - Authorized Infinite Banking06: The Ideal Candidate for Infinite BankingFind 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 Growth2. Work with me: Schedule a consultation(00:00) - Why some thrive and others struggle
(01:32) - IBC Has Many "Ideal" Can...2025-02-2626 min
StackedLife - Authorized Infinite Banking05: What is Whole Life Insurance Cash Value?The cash value of whole life insurance is one of the most enticing aspects of whole life and, yet, one of the most misunderstood!In this episode, learn all about whole life insurance cash value, what it is, how it can be used, and why we should even care.LINKS:1. Free mini-course: Adding Financial Certainty to Supercharge Growth2. Work with me: Schedule a consultation(00:00) - 005 What is whole life insurance cash value
(01:24) - Whole life insurance is a lot like real estate
(02:49) - The Technical Defintion...2025-02-2029 min
StackedLife - Authorized Infinite Banking04: What You Need to Get Started with IBCThe biggest mistake people make when getting started with IBC is not choosing the wrong insurance company or getting an "incorrectly" designed policy.The biggest problem is just waiting too long trying to get everything perfect. The truth is whole life insurance is actually really hard to mess up.Listen in as I walk you through the most important things you need to get started with The Infinite Banking Concept.LINKS:1. Free mini-course: Adding Financial Certainty to Supercharge Growth2. Work with me: Schedule a consultation2025-02-1233 min
StackedLife - Authorized Infinite Banking03: Is Infinite Banking Really Legit?Most of the FUD (fear, uncertainty, and doubt) created around The Infinite Banking Concept is due to mainly two things:An unfamiliarity and misunderstanding of the fact that Infinite Banking is a process.Ignorance about what whole life insurance is as a financial product.It's an unfortunate fact that most peoples' opinions about IBC and whole life tend to be based on someone else's opinion of IBC and whole life.The truth is that it's all really very simple and I'm here to clear it up for you.LINKS:1. Free...2025-01-2317 min
StackedLife - Authorized Infinite Banking02: What Is Whole Life Insurance (in Plain English)?Is whole life insurance really as bad as some financial gurus claim? Or is there something they're missing? In this episode, we cut through the noise and explain whole life insurance in plain English so you can make an informed decision for yourself.Learn how whole life insurance combines the best features of several financial tools into one powerful package, why comparing it to investments misses the point entirely, and how it can enhance your entire financial strategy. Whether you're new to whole life insurance or just want to understand it better, this episode breaks down complex...2025-01-2117 min
StackedLife - Authorized Infinite Banking01: What is Infinite Banking (in plain English)?In this first episode of my relaunched podcast, I'm breaking down The Infinite Banking Concept in plain English.After implementing IBC for hundreds of clients and reaching over 60,000 listeners with my previous podcast, I'm excited to share how you can take control of your financial future by becoming your own banker.I'll explain how traditional banking works against you, why whole life insurance makes the perfect banking platform, and how policy loans let you use your money in multiple places simultaneously.Drawing from my experience in both tech finance and financial services, I'll...2025-01-1620 min
StackedLife - Authorized Infinite BankingCrate a Financial Life of Confidence, Security, and HappinessSubscribe to this podcast to learn everything you need to know about Infinite Banking, whole life insurance, and the strategies that make it all work.Take control of your financial future and start living a life of confidence, security, and happiness.LINKS:1. Free mini-course: Adding Financial Certainty to Supercharge Growth2. Work with me: Schedule a consultation2025-01-1502 min
Wealth WarehouseEpisode 109: Live From Las Vegas - The 2024 IBC ThinkTank Roundtable!In this special episode, Dave and Paul hit the road for the 2024 IBC ThinkTank in Las Vegas!They are joined by colleagues and fellow IBC practitioners Brandon Goswick and Nate Dean of Cashflow Legendz Podcast: https://open.spotify.com/show/6kfNuRfndv5ES73LZ2sxB1?si=rfzzbDaJT1GRVvDmWMUhzg&nd=1&dlsi=042493071d6f49e1.. and John Perrings of Strategic Wealth Podcast: https://open.spotify.com/show/5eDLko3NJ5Jo3E6Sz6cK9n?si=h-hsHMdjRt-0s7WKF2QIMg&nd=1&dlsi=bff0a0f4c34b4...2024-03-1130 min
Tie and Hoodie ShowE30 — John Perrings Will Show You a Better Way to Use MoneyAfter a 20 year career in tech, including two popped bubbles, I started StackedLife to help people with more powerful financial strategies than what is offered by the typical risk-based financial planning of our parents' generation.My team of CPAs, attorneys, estate planners, real estate professionals, property & casualty specialists, and wealth strategists help our clients eliminate these "planned losses" by strategically reducing taxes and eliminating debt.2021-04-2531 min
Strategic Whole Life by Infinite Banking Authorized Practitioners18: The Ideal Characteristics For The Perfect InvestmentIn 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 is the best place for money?It's an interesting subject because most people put their money in 1 of 3 places: traditional banks, qualified plans like 401k/IRA's, or their home by prepaying a mortgage.If there was a better place for your money, when would you want to know? Take a listen and learn what you can do to build wealth with greater control of...2020-09-0920 minStrategic Whole Life by Infinite Banking Authorized Practitioners17: 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 comes to the flexibility of deciding when to stop paying premium.In the year 2020, the majority of people still believe Whole Life premiums need to be paid for life... but if what you thought was true turned out not be, when would you want to know??We also discuss the important trade-offs and key takeaways to consider when deciding how long fund an IBC policy so...2020-08-271h 55Strategic Whole Life by Infinite Banking Authorized Practitioners16: Taking Advantage of Human Life ValueIn 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 Infinite Banking Concept. If you're thinking long range, you should not only be thinking 3 generations ahead but how you can start your next IBC policies. Take a listen and keep learning about Infinite Banking.Your hosts are Authorized IBC practitioners and can be reached by visiting www.TheFifthEdition.com.2020-08-2020 minStrategic Whole Life by Infinite Banking Authorized Practitioners15: Whole Life Is Not An ExpenseIn today's episode we discuss Whole Life insurance to better understand the expense side of Whole Life policies and how it relates to the Infinite Banking Concept. Whole Life can be the lowest cost coverage over time because the cash values grow to be more than the premiums paid. Should you really consider it an expense then? Tax and retirement expert Ed Slott doesn't think so. Neither do we.Take a listen and decide for yourself. If you have questions about Infinite Banking, you can contact the hosts at www.TheFifthEdition.com.2020-08-1224 minStrategic Whole Life by Infinite Banking Authorized Practitioners14: 3 Life Lessons IBC Teaches You About MoneyWhen you practice Infinite Banking, you quickly learn how it's a complete change in perspective with how you view and manage your money. In this week's episode we discuss the 3 most important life lessons that IBC has taught us about money that you won't learn by following the conventional financial models. Take a listen and see if what we've learned about IBC can create value in your life. Hosts John Montoya and John Perrings are both IBC Authorized Practitioners. To contact them with questions, please visit www.thefifthedition.com.2020-07-2920 minStrategic Whole Life by Infinite Banking Authorized Practitioners13: Do You Really Have a Whole Life Policy?You might not believe how many people think they own a Whole Life policy when in fact they don't! In this episode of The Fifth Edition, we discuss how to know for sure what type of permanent life insurance policy you own and the reasons why it matters! When it comes to owning permanent life insurance, there are multiple options that might sound the same but what is guaranteed and what is at risk could be a painful life lesson to learn at the wrong time! Take a listen and be sure you know what...2020-07-2219 minStrategic Whole Life by Infinite Banking Authorized Practitioners12: Why You Should Avoid IBCWe are going to be counterintuitive in this particular espisode. We've discussed all the reasons why people should learn and get started with IBC in previous episodes. Now we flip the IBC concept upside down.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 say!For questions about Infinite Banking, be sure to visit www.thefifthedition.com where you can contact the hosts, IBC Authorized Practitioners John Montoya and John Perrings.2020-07-1538 minStrategic Whole Life by Infinite Banking Authorized Practitioners11: Life Insurance Policy DesignIn today's episode we discuss the importance of having a life insurance plan customized to fit your unique situation. It's common to think of life insurance as a commodity but that's a huge mistake. To maximize all the benefits of life insurance, whether or not you are pursuing Infinite Banking, your financial and health circumstances in addition to your individual goals will determine your best plan. Take a listen! 2020-06-2423 minStrategic Whole Life by Infinite Banking Authorized Practitioners10: The Safety of Life Insurance CompaniesIn today's episode we have fun discussing the safety of the life insurance industry. For most people parking money in a life insurance contract seems like an odd thing to do but the life insurance industry is the bedrock of the financial system. Plus, it's a little known secret that banks put up to 25% of their tier 1 assets in cash value life insurance contracts even though they want you to buy mutual funds!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...2020-06-1735 minStrategic Whole Life by Infinite Banking Authorized Practitioners9: Being Smarter About Reducing DebtIn today's episode we talk about debt reduction, interest rate vs. interest volume, prioriting which debts to pay off first, and whether it makes sense to prepay your mortgage.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. You can contact the hosts of The Fifth Edition at www.thefifthedition.com.2020-06-1126 minStrategic Whole Life by Infinite Banking Authorized Practitioners8: Choosing A Life Insurance Company & How Long To Long To Fund Your IBC PolicyIn today's episode we discuss two seemingly important IBC topics:How to choose a life insurance company and how long to fund your IBC policy. Don't get stuck "majoring in the minors" though. Listen in to learn more about Infinite Banking!2020-05-2735 minStrategic Whole Life by Infinite Banking Authorized Practitioners7: How To Best Use Your IBC PolicyWhile getting starting with IBC is certainly important 1st step to implementing your own family banking system, what's the next step?In this episode, we discuss the best uses for IBC. Don't just set it and forget! We give you ideas how you can start utilizing your cash values. Take a listen!2020-05-2029 minStrategic Whole Life by Infinite Banking Authorized Practitioners6: IBC as a Volatility BufferIn today's episode IBC practitioners John Montoya and John Perrings discuss the benefits of utilizing IBC as a volatility buffer in conjunction with your 401k/IRA's to ensure you don't run out of money in retirement.2020-05-1417 minStrategic Whole Life by Infinite Banking Authorized Practitioners5: Understanding Paid-Up AdditionsIn today's episode, IBC authorized practitioners John Montoya and John Perrings discuss the value of Paid-Up Additions as it relates to the Infinite Banking Concept.How does it work? How flexible is it? How long should you fund the PUA rider? These questions and more get answered in today's show.2020-05-0628 minStrategic Whole Life by Infinite Banking Authorized Practitioners4: Chasing Rate of ReturnIn this episode, IBC advisors John Montoya and John Perrings discuss rate of return as it relates to the Infinite Banking Concept. It's not what you think. In fact, it's way more. By learning about IBC you'll learn to re-think what you thought you knew about money. The typical American is conditioned by Wall Street to chase rate of return and they never realize they are focusing their attention in the wrong place. Meanwhile, money disappears silently in the form of interest and principal payments paid to 3rd parties. Money never to be seen and used again...2020-04-2930 minStrategic Whole Life by Infinite Banking Authorized Practitioners3: Understanding Policy LoansIn this episode of The Fifth Edition, IBC practitioners John Montoya and John Perrings discuss policy loans from different angles. You'll learn why policy loans are beneficial to the IBC strategy, the different uses for policy loans, and how easy it is to get access to cash values to "be your own banker". Also discussed is the vital importance of the banking function in your life and why you must take back control of your banking function from traditional banks so you can grow wealth safely and on your terms.Lastly, John and John will...2020-04-2227 minStrategic Whole Life by Infinite Banking Authorized Practitioners2: IBC Myths and MisconceptionsIn this episode of The Fifh Edition, IBC authorized practitioners John Montoya and John Perrings discuss the most common myths and misconceptions the public has about the Infinite Banking Concept and Whole Life insurance policies.Most frequently asked questions and objections include:Why haven't I heard about this before?Why aren't more people doing this yet?Whole Life is too expensiveIt's a horrible investmentYou have to pay premiums for lifeWhole Life has no flexibilityBuy term and invest the differenceI'm too old to get startedI don't need life insuranceWhy do I pay interest to borrow my own...2020-04-1547 minStrategic Whole Life by Infinite Banking Authorized Practitioners1: What is Infinite Banking?In this first episode of The Fifth Edition IBC authorized practitioners John Montoya and John Perrings discuss the Infinite Banking Concept (IBC) at a 30,000 foot level so you have a foundational understanding of the why you should incorporate the IBC strategy into your overall financial plan.After all money needs to reside somewhere. You'll learn how IBC is a safe money strategy hiding in plain sight yet its built on history of performance going back over 170+ years helping people to grow, protect, and transfer wealth from one generation to the next without luck, skill, or guesswork.2020-04-0821 min