Shows
The ABC's of IBCYour Own Bank - Efficiency and IndependenceWith the approaching holiday, John talks about the oxymoron of DOGE and the Big Beautiful Bill, and how you can create your own efficiency and independence via a series of bank branches with permanent whole policies. A visual version of this podcast, will display the future value of all income being run through a series of policies and the most efficient use and re-use of your own personal banking system.2025-07-0219 minThe ABC's of IBCBob Moriarty - 2nd Edition - Surveillance, Sound Money and Limited GovernmentBob shares his concerns for the takedown of America and his optimism for the result of a return to sound money (gold/silver) and a much smaller government limited to services of defending our country within our borders. https://www.321gold.com - Bob's site https://www.simplepathtomillions.com - John's site2025-06-091h 16The ABC's of IBCBob Moriarty - The Art of Peace Author, Vietnam Aviator, Resource InvestorBob is humble, honest and funny. He flew over 800 missions as a Marine pilot in the jungles of Vietnam and hates war. He knows the only way to win a war is to not enter it at all. We discuss the financial corruption of the West and what the East is at least attempting to do as an about face. www.321gold.com - Bob's website www.simplepathtomillions.com - John's website https://www.unz.com/runz/ - Ron Unz's website2025-06-0355 minThe ABC's of IBCSpecial Edition - Conversation with Jackson Pemberton - IBC, 10th Amendment, Sound MoneyJohn Ward and Jackson Pemberton discuss some of the ways we can all continue cultivating the gift of our Founding Fathers in laying down the Constitution of the United States of America. www.iGovern.us - Utah Representative Ken Ivory - course to educate constituents on how to educate and build mutually beneficial relationships their State legislators. www.tenthamendmentcenter.com - 10th Amendment Center - Educating people on the original, legal meaning of the Constitution as drafted by the Founders and approved by the People of Several States. www.citizens4soundmoney.com - tr...2025-05-311h 12The ABC's of IBCThe Last ABC's of IBC PodcastTo schedule a time with me, please go to www.calendly.com/20withJohnWard. Thank you for listening, Merry Christmas and the Happiest New Year to you and yours! John2024-12-1411 minThe ABC's of IBCChapter 13 - Twisted Confessions by Bryan BloomJohn Fox Ward 603.479.2511 john@nashcashflow.com Calendly.com/20withJohnWard Over the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to h...2024-11-0635 minThe ABC's of IBCChapter 12 - Twisted Confessions by Bryan BloomJohn Fox Ward 603.479.2511 john@nashcashflow.com Calendly.com/20withJohnWard Over the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to h...2024-11-0618 minThe ABC's of IBCIf That's So Bad, Why Are So Many Doing ItOften people that come to me looking for more insight on the Infinite Banking Concept ask me, "if this is so good, why isn't everyone doing it?" Today, Ray and I discuss the fact that a recent study shows conventional wisdom is either not working or isn't being adhered to for 80% of older households. John Ward Schedule time to discuss your financial goals with me: Calendly.com/20withJohnWard 2024-10-2730 minThe ABC's of IBCChapter 11 - Twisted Confessions by Bryan BloomJohn Fox Ward 603.479.2511 john@nashcashflow.com Calendly.com/20withJohnWard Over the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to h...2024-10-2631 minThe ABC's of IBCChapters 9-10 - Twisted Confessions by Bryan BloomJohn Fox Ward 603.479.2511 john@nashcashflow.com Calendly.com/20withJohnWard Over the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to h...2024-10-2626 minThe ABC's of IBCChapters 7-8 - Twisted Confessions by Bryan BloomJohn Fox Ward 603.479.2511 john@nashcashflow.com Calendly.com/20withJohnWard Over the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to h...2024-10-2241 minThe ABC's of IBCWhen The Tide Goes Out - Conventional Banking vs. Infinite Banking FinanceRay and I discuss some of the financial story a client of ours had back in the '80s and some of the story that launched the development of the Infinite Banking revolution. I would love to hear your thoughts as you listen along, so please write, call, text or schedule a time on my calendar that works for both us to have a conversation. John Fox Ward 603.479.2511 john@nashcashflow.com Calendly.com/20withJohnWard2024-10-1840 minThe ABC's of IBCChapters 1-3 - Twisted Confessions by Bryan BloomOver the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to hear your thoughts as you listen along, so please write, call, text or schedule a time on m...2024-10-1643 minThe ABC's of IBCChapters 4-6 - Twisted Confessions by Bryan BloomOver the next few weeks, I will release several episodes where I'll be reading, Bryan Bloom's murder mystery, Twisted Confessions. Bryan draws on his knowledge of and experience with financial planning that he interlaces into this fictional story to share his real-world message of sound financial advice. Occasionally, throughout each reading or in the aftermath, I will attempt to shine light on the lessons of the Infinite Banking Concept that emanate within the storyline. I would love to hear your thoughts as you listen along, so please write, call, text or schedule a time on m...2024-10-161h 00The ABC's of IBCSimply ThinkingWant to learn how the Infinite Banking Concept delivers on your financial goals, please schedule a time for us to have a conversation: Calendly.com/20withJohnWard2024-10-0142 minThe ABC's of IBCMy e-Book Reviewed - Avoid The Money Pit - 3rd Party ReviewIt has been over 2 years now since I wrote my first e-book, Avoid The Money Pit - Build Your Financial House On An Unshakable Foundation. After running the contents through an artificial intelligence program, I have a renewed enthusiasm for the message I was ultimately trying to convey and share. With that said, the co-hosts did get one thing wrong. You do not pay yourself back the interest cost of your policy loan. The interest goes to the insurance company. Indirectly, the interest "profit" does go to the policyholder (when dividends are paid out), because the policyholder i...2024-09-3009 minThe ABC's of IBCSpare No Expense - Your Profit Center BankRaymond and John Ward discuss control, access and value versus the idea that an IBC-based policy is an expense or cost center. This was a fun one, we hope you enjoy it. John Ward - 603.479.2511 or john@nashcashflow.com2024-09-2639 minThe ABC's of IBCThere Must Be Some Misunderstanding About Life InsurancePhil Collins was correct when he sang these words so long ago. Well, he wasn't singing about life insurance, though these title lyrics certainly do. Raymond and John touch upon just a few of these misunderstandings and limited world views about the richness of whole life insurance policies. There's much more to them than just income protection love ones receive upon the insured's death. John Fox Ward john@nashcashflow.com 603.479.25112024-09-181h 09The ABC's of IBCLack Of Transparency and AwarenessMy brother and fellow authorized Infinite Banking practitioner, Raymond Ward, and I have a conversation around the obstacles to one taking the "leap of knowledge" to start a policy with this concept in mind. Namely, the marketing rhetoric around the need for people, that have access to one or more, take advantage and fund the various Qualified Retirement vehicles (aka, 401Ks, 403Bs, IRAs, etc.). The lack of transparency from the financial administrators regarding all the potential gotchas of these retirement savings/investments programs and the public's lack of awareness to them due to the accumulation marketing focus of the...2024-09-111h 05The ABC's of IBCConfessions Of A CPA - The Capital Equivalent Value of Life InsuranceWith so many folks focused on accumulation and the rate of return (ROR) they earn, Bryan Bloom created a new metric to determine what you need to accumulate and receive as a ROR with alternative investments (stocks, mutual funds, real estate, etc) to have the (same) capital equivalent value (CEV) you gain with a specially designed and engineered whole life insurance contract. Though this book seems to just focus on this CEV concept, Bryan makes a strong case for combining your (uninterrupted) savings with the borrowing other people's money (OPM) to grow wealthier than you thought possible. IMHO, this...2024-08-271h 38The ABC's of IBCWhat's The Problem?As it is said, if you don't have or see the problem, the solution doesn't matter. Please join my brother Raymond and I as we share the numbers behind the phrase "why does it seem I am always running low on money." The answer resides within the power of combining the saving and borrowing we do. In others words, combining uninterrupted compounding growth with leveraging other people's money (OPM). We share examples of this powerful combination. John Fox Ward john@nashcashflow.com 603.479.2511 ___________________________ Raymond Ward raymond@b...2024-08-1949 minThe ABC's of IBCLiving An Abundant Life with Infinite BankingA heart felt thank you to all of our listeners over the last year. Doug will be stepping away from the show as life has gotten abundant with work and children. We have thouroughly enjoyed this opportunity to grow together as friends and talk about our favorite subject on air with a wonderful and engaging audience. Please feel free to reach out to either John or Doug at any point with any questions on the Infinite Banking Concept. Although the podcast is no longer continuing in its current form, they will both be continuing to work to...2024-06-0732 minThe ABC's of IBCFriendships Are Priceless - Cherish Each and Every OneJoin us as John shares a touching storing about the passing of his close friend while tying in the importance of having life insurance. Regardless of what happens in life, this story outlines why having additional protection for your loved ones is always a good thing. Connect with Doug MacKenzie: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Connect with John Fox Ward: Website: Nash Cashflow - The Nash CashFlow Group Email: John@nashcashflow.com 2024-05-3119 minThe ABC's of IBCSpecial Guest: Jackson Pemberton - As Quoted By Nelson In Becoming Your Own BankerIn episode 54 titled "Your Right To Choose Free Will", we discussed a passage from Becoming Your Own Banker where Nelson quotes the work of Jackson Pemberton. It just so happens John was able to track Jackson (Jack) down and bring him on our show. Jack has a storied history and it was a pleasure to discuss that as well as his foray into Infinite Banking. We hope you'll enjoy the conversation as much as we did. Please see below for some links to Jack's work: https://fee.org/articles/a-new-message-iii-on-the-constitution/ https://covenantsofthefather.com...2024-05-2441 minThe ABC's of IBCSolve For This Need- Why Everybody Should Have Life Insurance For Their WHOLE Lives“This book demonstrates that your need for finance, during your lifetime, is much greater than your need for (income) protection. Solve for this need through this instrument (called the Infinite Banking Concept) and you will end up with more life insurance than the companies will issue coverage on you (from the outset).” - Becoming Your Own Banker, Nelson Nash Page 3 Connect with Doug MacKenzie: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Connect with John Fox Ward: Website: Nash Cashflow - The Nash CashFlow Group Ema...2024-05-1041 minThe ABC's of IBCYour Right To Choose Free WillIn his book Nelson Nash uses the analogy of a story written by Jackson Pemberton, entitled “A New Message on the Constitution.” He stresses that “you are not the slave of government.” The Constitution is your servant and the master of your government. It is not only the law by which you are governed, it is the law by which you may govern your government.” The same goes for the banking function in the economy. He points out that most people abdicate “their opportunity/responsibility” to another character on the world stage, and shows how that character in t...2024-05-0341 minThe ABC's of IBCThe Grocery Store Explains It All …In Just 2 Pages!Don't steal the peas! If you've read Becoming Your Own Banker, your probably familiar with this adage. In today's episode we delve into the true meaning of this and discuss the importance of "being an honest banker" "If you understand the grocery store, the rest of learning how to be your own banker is “a piece of cake!” Becoming Your Own Banker - R. Nelson Nash Connect with Doug MacKenzie: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Connect with John Fox Ward: We...2024-04-2630 minThe ABC's of IBCThe Dry Powder Effect"The only thing that limits how much (money) you can get to is the same they tell you at the bank when you ask them, ‘how big of a check can you write’ —- how much have you put in?” Becoming Your Own Banker - Page 13 - R. Nelson Nash Connect with John Fox Ward: Website: Nash Cashflow - The Nash CashFlow Group Email: John@nashcashflow.com Connect with Doug MacKenzie: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com 2024-04-1935 minThe ABC's of IBCPaying Taxes Isn't A "Season""When taxation becomes onerous to the point where government officials sense rebellion, they always resort to the exceptions to the rule. They invented “Qualified” pension plans, 401(k)s, and IRAs. Can you believe it! The lawmakers create a problem by spending money that they do not have which results in strangling taxation —— and then they create a solution in the form of an exception to the rules they created. The natural result of such a process is a system in which the government controls everything you do, and they can, and will change their mind upon the slightest whim of the t...2024-04-1234 minThe ABC's of IBCSocial Security “Dis-Trustees" - Several Trillion Reasons For Creating An Independent Retirement FundA note on social security sourced from zero hedge: "The program's payouts have exceeded revenue since 2010, but the recent past is nowhere near as grim as the future. According to the latest annual report by Social Security's trustees, the gap between promised benefits and future payroll tax revenue has reached a staggering $59.8 trillion. That gap is $6.8 trillion larger than it was just one year earlier. The biggest driver of that move wasn't Covid-19, but rather a lowering of expected fertility over the coming decades." - Stark Realities “Note that spending the money to teach Su...2024-04-0534 minThe ABC's of IBCBecome A Leasing Company"At this point, we turn to the matter of ownership of the policy (or policies). The company, a corporation, should not own it. He can improve the wealth building effects of the whole scenario by owning the policy, himself, and lease the equipment to the corporation, making sure that he has charged a lease payment that is the highest possible. By doing it this way, he can have an interest deduction for the policy loans used to purchase the equipment (the loans are for the leasing business purpose). He can depreciate the equipment over a reasonable time, and he...2024-03-2936 minThe ABC's of IBCScrewball Ideas and Half-TruthsIt is said that a lie becomes the truth, if it is repeated enough with one another. Without investigation, the truth is often hidden in plain sight. “In the late 1500s,the Conquistadors of Spain were down in South America (in what is now Peru) looking for gold. They didn’t find much gold but they did find a plant that they took back to Europe. It was the potato! The strange thing is that the Europeans went from a condition of thinking that the potato was poisonous (b/c it comes from a plan...2024-03-2228 minThe ABC's of IBCDid You Know You Are The Lender?If you understand what's really happening, you'll know what to do. - Another Nelson adage that hits home. Join Doug & John as they discuss the precarious nature of the current banking system, why it'll never work for YOU, and why they recommend creating a tax advantaged banking system in your control using whole life insurance. “But, upon reading the contract (the policy) you will find it plainly stated that the Owner outranks every potential borrower in access to the money that must be lent! And what he can borrow is 100% of his equity in the contract (the am...2024-03-1541 minThe ABC's of IBCGetting Better No Matter What“Not too many people are familiar with the concept of getting better no matter what, so let’s look at the airplane world for help. Imagine that we are going to make a very long flight on a Boeing 747, so we load it with all the fuel that it will hold. This makes it capable of flying about 10,000 miles. By the time we fly 8,000 miles, the plane will now be able to do things it would never attempt to at takeoff. This is because we have burned up an enormous quantity of fuel and the airplane weighs that much less...2024-03-0829 minThe ABC's of IBCWhy Didn't You Sell Me More?!When Nelson Nash ran into his “imperfect storm”, he always wished he’d put more coverage on himself as he would have had more cash value to access in that time of financial struggle. In perfect Nelson style he uses a comical story about his brother- which Doug and John expand upon in this week's episode. Connect with Doug MacKenzie: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Connect with John Fox Ward: Website: Nash Cashflow - The Nash CashFlow Group Email: John@nashcashflow...2024-03-0130 minThe ABC's of IBCWhat Is Your Cost of Acquiring Financing?"If you were in command of the banking function, you do not have to go through all this (bloodletting). The Infinite Banking Concept does exactly that! You can make timely decisions. There is no cost of acquisition. You are in competition with others you must go through the (bloodletting) that has been outlined. Guess who wins?” -R. Nelson Nash, Becoming Your Own Banker, page 68 Connect with John Fox Ward: Website: Nash Cashflow - The Nash CashFlow Group Email: John@nashcashflow.com Connect with Doug MacKenzie: ...2024-02-2339 minThe ABC's of IBCTake #2 - What Is The Infinite Banking Concept - RevisitedAfter over 40 episodes we figured it was time to return to our roots and spend some time talking about exactly what the Infinite Banking Concept is at its core! “now you are finally in business as a bank. You must make your bank known by lots of advertising and inducing people to make profit deposits to your bank. Why do you think they would deposit the money with your bank when they could easily do business with establish banks that have been there for years? Right! You were going to have to pay them something bet...2024-02-1748 minThe ABC's of IBCWhat Is The Infinite Banking Concept? - RevisitedAfter over 40 episodes, we thought it was time to return to our roots and and do our best to explain again exactly what the Infinite Banking Concept is all about. Thank you to one of our listeners for suggesting this! “ now you are finally in business as a bank. You must make your bank known by lots of advertising and inducing people to make profit deposits to your bank. Why do you think they would deposit the money with your bank when they could easily do business with establish banks that have been there for years? Right! You...2024-02-1647 minThe ABC's of IBCTo Dump Or Not To Dump - Is There Any Magic To A First Year Premium Dump?As with many things in life, there are no hard and fast rules. We have options. We can design a road forward in many meandering ways. If we can see the consequences ahead of time we may choose to avoid certain paths in designing the policy that is right for you. On this episode we discuss the consequences of dumping in a lump sum of cash in the first year of a policy. There is no hard and fast rule as to whether it's a good idea- but we think that in most situations it is a long term...2024-02-0930 minThe ABC's of IBCWhat Is This "PUA" All About?The Paid Up Additional Insurance rider, or PUA, as it's generally referred to is a critical component of policy design that allows whole life users to begin implementing the infinite banking concept immediately. We've discussed this wonderful rider many times in previous episodes, but are still getting a lot of questions from our clients on this, so we figured it was time to devote some more air time to this one! “When using this type of life insurance to solve your need for banking, we will de-emphasize the immediate death benefit, but accentuate the banking qualities. (the cas...2024-02-0230 minThe ABC's of IBCThe UncommonFor our 40th episode, we're going to challenge our listeners to RE-THINK their thinking. Enough said! “So what kind of financial strategies should you be using in your financial world? Should you be doing the same common things that everyone else is doing? Or should you maybe be doing things differently? The good news is that some of what I ‘know that I know’ is currently sitting in your blind spot. So, by sharing what I know, I hope to help you to expand that which you know. “ -Bryan S. Bloom, Confessions of a CPA 2024-01-2646 minThe ABC's of IBCLet's Talk About Rates Of ReturnIt's incredibly difficult to assess a financial instrument without first looking at "what's the rate of return". We've been trained to do this our entire lives. Nelson really pushed the idea that the Infinite Banking Concept is not about rates of return. It is NOT an investment. It is a tax advantaged savings account with a truly unsecured line of credit, and a growing death benefit. However, just to have some fun, your hosts decided to delve into the discussion of rates of return! "...but, hardly anyon takes this into consideration. They all ten...2024-01-1930 minThe ABC's of IBCHow Long Is Long Term?Anyone who has read the book "Becoming Your Own Banker" is familar with the adage "think long term". Whether stated explicitly or insinuated implicitly, this concept pervades the book and is one of the building blocks of succesfully implementing and adhering to a lifelong practice of infinite banking. The problem that we see (and that we ourselves sometimes experience) is that most are not actually thinking long term, even if they think they are. Join your hosts as they attempt to redifine exactly how long is long term. We had fun with this one, and hope you wi...2024-01-1235 minThe ABC's of IBCBuying Annuities Vs. Annuitizing Your Whole Life PolicyWe received a question from a listener that we felt was worth deliving into- "Why dont you talk more about annuities?". It's not that theres anything wrong with annuities, but we feel that a properly designed whole life policy can essentially accomplish everything an annuity can while also providing a whole host of other benefits. That being said, it's not a cut and dry answer, so come join us to find out more! "There are times when purchasing an annuity product instead of a whole life product is the only viable option due to old age or p...2024-01-0523 minThe ABC's of IBCSeeding Your FutureJoin John & Doug as they delve further into a topic discussed earlier in the year- convertible term insurance. When whole life premiums aren't a good fit for your current situation, but may be in the future, a convertible term policy is the solution. Lock in your insurabilty and know that you have the contractual right to convert to a quality whole life policy when your finances allow. "There is a provision that allows you to convert your term policy to a permanent life insurance policy without having your health rescreened for pricing and issuance purposes. T...2023-12-2921 minThe ABC's of IBCHow To Select An AgentThe Infinite Banking Concept is a lifelong process, so the insurance agent you choose for your next policy will be your agent for as long as you or they are alive. It's a decision that shouldn't be made lightly. That agent is there not only to design and implement your policy, but also to walk that journey with you over the years- to answer questions, guide you on how to best utilize the policy, etc.. Join John and Doug as they provide their insights and experience into what folks should be on the lookout for when taking...2023-12-2226 minThe ABC's of IBCCapitalize, Capitalize, Capitalize!Often times newcomers to The Infinite Banking Concept look at the ability to pay into the policy for decades as burdensome. If they are perceiving it that way, it is crucial that they step back and reconsider why they even want to do the Infinite Banking Concept in the first place. If you do not embrace the ability to pay premiums as a highly desirable endeavor, you are missing the point! "You must build the capitalization phase over a period of time, such as four years minimum. You may find it necessary (and desirable) to accumulate t...2023-12-1525 minThe ABC's of IBCThe Gift Of A LifetimeDue to several listener requests, we further breakdown the conditions and logistics of juvenile policies. Whether you are a parent or a grandparent, this gift may be the most significant one most children will ever receive. It may not look like it to them now, though their gratitude and appreciation for it will grow as it grows. "If you owned a banking system, wouldn't you want to run all of your business through your bank? If this is so, then life insurance premiums paid each year should ultimately equal annual income. This can't be done immediately. It...2023-12-0844 minThe ABC's of IBCTwo Passive Incomes- One PolicyThe traditional financial model espouses saving/investing for many years, and then depleting that nest egg for the last few decades of ones life. It's hardly a system of generational growing wealth, and often fails to last long enough for the first generation. Join Doug & John as they discuss how even one policy can be used across multiple generations and provide true utility over many many decades. "Please notice that I did not say ‘retirement income’—- I’m dropping that word from my vocabulary. Passive income is money that comes in every year and you don’t...2023-12-0118 minThe ABC's of IBCSecuring Your Family's Financial Future With Child PoliciesCompound interest can work for anybody at any age, but the longer the time horizon, the better. There is no better time to get an insurance policy than when someone enters this world. Premium payments required to acheive a large death benefit are low, passive income is assured, insurability is locked in, most underwriting requirements are avoided, and most importantly it allows a substantial tax free build up of cash that can be used for decades to come. Join Doug & John as they discuss just how powerful child policies really are. "As each...2023-11-2425 minThe ABC's of IBCThe Beauty Of Unstructured LoansApplications, justification, income verification, qualification, etc.... These are some of the many steps we have accepted we must take when getting a loan from someone else. It's a laborious process that's not within our control. What if there was a better way to access capital? Come join Doug and John to find out how! “What is an unstructured loan? It is basically an open ended loan arrangement. It is open ended because of the time and frequency of repayment is not defined. There is no set time of repayment. This means that you can pay it...2023-11-1719 minThe ABC's of IBCIs Now The Ideal Time To Buy Whole Life Insurance?To repeat an old adage- the best time to buy life insurance was 20 years ago. The second best time is now. The time value of money coupled with the power of compounding means that age is always the most powerful predictor of policy performance over the long term. However, there are other factors at play at a Macro level that play a role. Insurance companies rely on safe assets to generate yield on their capital, and therefore, are greatly affected by interest rates. The last few decades have seen historically low interest rates, and declining dividend rates...2023-11-1021 minThe ABC's of IBCCollateral Capacity- The Importance of Increasing your LeverageIf you've listened to any of our previous episodes, you'll know that one of the major aspects that makes IBC so powerful is leverage. Leverage is traditionally viewed as a scary thing that irresponsible risk taking investors use. We would argue that the contractual leverage provided by a dividend paying whole life insurance policy is one of the safest financial tools one can have at their disposal. An life insurance policy is unique in that every year your leveragable capacity grows exponentially faster than the year before as you pay premiums and as policy dividends are paid...2023-11-0320 minThe ABC's of IBCWillie Sutton's Law- Wherever Wealth is Accumulated Someone Will Try to Steal itDo you like paying taxes? Neither do we. Come listen as Doug and John discuss this chapter in the book "Becoming your own banker" and learn how they only pay taxes once. Learn how you can protect your hard earned money from unkown future tax burdens, changes, additions, etc... "Economic problems are best solved by people freely contracting with one another and with government limited to the function of enforcing those contracts. And the best way to do so is through the magnificent idea of dividend paying whole life insurance! It has been ar...2023-10-2721 minThe ABC's of IBCSusie Q. Gets An Education- What is the True Cost of Higher Education?"Get a 4 year degree and you're set for life!" This the advice that has permeated America for the better part of the last 60 years. We find that many people are getting degrees for the sake of getting a degree, or for getting the "college experience" rather than actually going to learn a meaningful skillset. In this episode we examine the chapter "A different look at the monetary value of a college degree" from the book "Becoming your own Banker". We think our listeners will be interested in this unique perspective on the true opportunity cost of a...2023-10-2028 minThe ABC's of IBCSequence of Returns - Friend or Foe?Save via sponsored retirement plans until you're 65 and then take out 4% a year! That is the standard advice we see everywhere these days. In theory, if the base of capital were static (i.e. not volatile), that work. However, the "savings" instruments used in these plans are actually investment vehicles such as stocks and bonds, and as such, they are not static, and can be quite volatile. As it turns out, the amount that can be taken out each year is drastically affected by the movement of those underlying investments, and the order in which those returns...2023-10-1336 minThe ABC's of IBCWhat Is the Value of the Premium Deposit Fund Rider?The premium deposit fund rider is not commonly discussed, but is an excellent (free) rider with most insurance companies. Discover how you can store money for excess premiums with the insurance company & earn a return! "Banking is a process, not a product!" -R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept. Connect with Doug MacKenze: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Connect with john Fox Ward: Website: Nash Cashflow - The Nash CashFlow Group Email: John@nashcashf...2023-10-0622 minThe ABC's of IBCEveryone Should Be In Two Businesses....At this point our listeneres should be well aware of the advantages of using whole life insurance as the medium to practice the Infinite Banking Concept. These benefits can be supercharged for the business owner. All businesses require financing to be succesful. Would you rather rely on the bank, or control that banking aspect yourself? Join Doug and John to discover the innumerable benefits of implementing IBC for business owners! "Everyone should be in two businesses- the one in which you make your living and the other should be the banking business that finances whatever y...2023-09-2926 minThe ABC's of IBCWhole Life Insurance as a Bond replacement?Infinite Banking aside, Doug & John are going to take a look at the merits of whole life insurance to see if it would be suitable as a bond replacement for financial and retirement portfolios. We speak with people who are less inclined towards practicing IBC, but still have a great deal of interest in whole life insurance. Does this mean creating a policy for them makes any less sense? Absolutely not! "If you knew, at passive income time, that you would be getting back everything that you paid into a system- tax free- would you object to p...2023-09-2218 minThe ABC's of IBCWhy Does The Life Insurance Company Keep My Cash Value When I Die?We get this question/objection a lot. This comes from a fundamental misunderstanding of Whole Life insurance as a product. Many of our listeners may understand this already, but for those who don't, we'd like to explain to you the relationship between cash value and death benefit. "Suspend the list of the many benefits of whole life insurance over and above those of real estate for a moment. Now, as you make premium payments and mortgage payments, respectively, you are building ever-increasing “cash value” and ‘home equity’, respectively. Upon death or the attained policy completion age (i.e...2023-09-1522 minThe ABC's of IBCBe Conscious of the Financial ProgrammingWhat if we told you that most people don't know why they do what they do? For some people this may be obvious, but the majority are woefully unaware of what drives their thoughts and actions. Join Doug and John for a dive into the mechanics behind the ways our brains are programmed to operate from a very early age and why this is critical to overcome when creating a lifetime financial strategy. "Somehow or another, it never dawns on most financial gurus, that you (can)control the financial environment in which you operate. Whatever...2023-09-0827 minThe ABC's of IBCDo Accountants/CFP's Understand Whole Life Insurance?We often have clients that run this strategy by their accountants or financial planners- we typically get some odd feedback that demonstrates a complete and fundamental lack of understanding of whole life insurance as a product. This generally doesn't come from a place of malice, but simply from lack of understanding. We're often successful at educating those professionals and seeing a switch in their attitude toward the product as a valuable addition to their client's financial plan. "The Infinite Banking Concept is a major paradigm shift for most folks. it will require a several thorough re...2023-09-0120 minThe ABC's of IBCThe Very First PrincipleIf we were to say that someone "financed" a purchase, almost everybody would picture filling out paperwork at the car dealership, an application online somewhere, or going down to the bank. Would you be surprised to learn that those people disciplined to save up cash for a purchase are also financing that purchase? Come join us to find out why! This is the "very first principle" in the book Becoming your Own Banker, and is critical to understand for anyone wanting to incorporate IBC into their financial strategy. "IThe very first principle that must be...2023-08-2530 minThe ABC's of IBCAre Mutual Life Insurance Companies Secure?We've mentioned it many times on the show so far- mutual insurance companies are likely the safest, least leveraged, most financially well managed companies on the planet. By necessity. They are in the business of managing financial risk across of the span of decades, or even more than a century. Although we've mentioned this many times, we wanted to delve into this further for our listeners and provide some examples of just how ready these companies are to weather any storms to come, known or unknown. Connect with Doug MacKenze: Website: Co...2023-08-1928 minThe ABC's of IBCShould I use an IUL for Infinite Banking?On the surface, an IUL seems like it could be a good fit for the Infinite Banking process. It's often classified as a "permanent" life insurance product, it has accessible cash value which can be collateralized via policy loans, and it might even grow more quickly than a tradtional whole life product! Come join us as we lay out the basics of how IUL's work, and then present an informed opinion as to whether they're the ideal choice of financial vehicle for someone looking to begin practicing the Infinite Banking Concept. "I never sold one o...2023-08-1140 minThe ABC's of IBCPay Cash or Borrow - Which Is Better?Paying cash for big ticket items is the epitome of the American dream, right? While satisying, and indicative of great financial discipline, it leaves the payor with a depleted pool of capital and largely places them in no better a position than someone who finances items from a financial institution. Come join us as we discuss the pros and cons of paying cash vs. borrowing, and delve into the merits of using a banking system capitalized within a whole life insurance policy to finance our lives. "This is the essence of what the I...2023-08-0427 minThe ABC's of IBCBeing Your Own Banker - In Real LifeThank you to our listener Lucas for asking us to spend some time looking at how we both have used our policies, and how our mindset has changed since implementing the IBC. Join Doug & John for a dive into how their policies are improving both their lives, and those of their clients on a daily basis. "There is no such thing as "having too much money in the bank." Wealth must reside somewhere. What better place to have it reside than here. -R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept.2023-07-2839 minThe ABC's of IBCWould you rather pay taxes on the seed or the harvest?An age old question- we think the traditional advice of deferring taxes down the road may not be the smartest strategy. Join us to find out why! "If you knew at passive income time , that you would be getting back everything that you paid into a system- tax free - would you object to putting more money in it?" -R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept. Connect with Doug MacKenze: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Conne...2023-07-2125 minThe ABC's of IBCCo-generation Banking SystemJoin authorized IBC practitioners, Doug and John, as they walk listeners through this illuminating concept outlined in the book "Becoming Your Own Banker" "This is going to require a change in priorities in life and recognizing that controlling the banking function personally is the most important thing that can be done in your financial world." -R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept. Connect with Doug MacKenze: Website: Control Capital Solutions Email: dmackenzie@controlcapitalsolutions.com Connect with john Fox Ward: 2023-07-1421 minThe ABC's of IBCThe Mentality Needed For IBCParkinson's Law, Willie Sutton's Law, The Golden Rule, The Arrival Syndrome, and Use it or Lose it. What do these terms have in common? They are outlined in the book "Becoming Your Own Banker, Unlock the Infinite Banking Concept", by R. Nelson Nash, and they describe the mentality required to succesfully implement and practice the Infinite Banking Concept All too often, clients want to jump into starting a policy without fully understanding the crucial mental foundation required to practice this for a lifetime. John Doug and John as they walk listeners through this and share their own...2023-07-0644 minThe ABC's of IBCAm I too old?Join authorized IBC practitioners, Doug and John, as they walk listeners through one of their most frequently asked questions: "Am I too old to implement this?" Thank you to our listener Max for reaching out with this question as it was a good reminder to address this topic. "Above all, get started now. The longer you wait, the more you have penalized yourself" - R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept. Connect with Doug MacKenze: Website: Control Capital Solutions Emai...2023-07-0116 minThe ABC's of IBCConvertible Term PoliciesJoin authorized IBC practitioners, Doug and John, as they walk listeners through Convertible Term Policies. Thank you to our listener Shawna for asking us to cover this. We often recommend this as a tool to our clients who may not be able to pay whole life premiums on their first, or subsequent policies, but want to contractually lock in their insurability. This is one of the most important things a user of IBC can do to ensure life long use of their banking system! If you cannot purchase your total human life value (aka lifetime income replacement...2023-06-2420 minThe ABC's of IBCFlexibility of IBC PoliciesMost Americans are used to putting their money in vehicles with strict rules, finite modes of operation, and unknown future outcomes. Most would likely not associate an insurance policy with owner-friendly flexibility, however, a correctly structured dividend paying whole life insurance policy provides the owner with complete control via a multitude of contractually guaranteed options and riders. Join authorized IBC practitioners, Doug and John, as they walk listeners through the incredibly flexibility of IBC policies. "The whole idea of the Infinite Banking Concept started with the realization that there is a huge amout of nonsense...2023-06-1628 minThe ABC's of IBCThe MEC and pitfalls of 10/90 policy designFor the vast majority of non-corporate users of whole life insurance policies, the modified endowment contract (MEC) is something to be avoided like the plague as it means losing nearly all of the tax advantages of whole life insurance. Like going from a cucumber to a pickle, once a policy becomes a MEC, it cannot be undone. Join Doug and John, your New England area authorized IBC experts, for an explanation of this IRS classiciation of insurance policies as well as a brief dive into the controversial 10/90 policy design! Hint- we recommend avoiding the noise on social m...2023-06-0923 minThe ABC's of IBCWhat are dividends and why are they important?Most people are familiar with dividends as they pertain to stocks; a taxable distribution of profits by a corporation to its shareholders. While they may share the same name, dividends from a whole life insurance policy are diffent, and superior in many ways. Join Doug and John, your IBC experts, for an exploration of whole life insurance dividends. Learn about their advantageous tax classification, ways in which they can be distributed or reinvested, and how they can power exponential growth in both the cash value and death benefit of a policy. "If the owner uses...2023-06-0232 minThe ABC's of IBCPersonal Pension PlanDid you know that you can create your own privatized pension plan utilizing a well-designed whole life insurance policy? The "savings plans" used by the vast majority of Americans are not actually savings plans. Relying on investments to carry us through retirement years is putting faith in the idea that past performance is an indicator of future unkown results. We think we have a better way! Join authorized IBC practitioners, Doug and John, as they explore this topic in detail with some real numbers! "If you knew at passive income time, that you would be...2023-05-2635 minThe ABC's of IBCHow Much Can I Put Into A Policy?One of the most frequently asked questions by new clients is "how much premium can I pay?". Join Doug and John, authorized IBC practitioners for an answer to this question. Funneling as much premium into a policy is important, but simply getting started is the key! "It never dawns on most financial gurus that you can control the financial environment in which you operate. Perhaps it is caused by lack of imagination, but whatever the cause, learning to control it is the most profitable thing you can do over a lifetime" - R. Nelson Nash,2023-05-2028 minThe ABC's of IBCWhy Whole Life InsuranceJoin Doug and John, your IBC experts, for an exploration of why Nelson chose whole life insurance as the preferred vehicle for The Infinite Banking Concept® From it's unparralleled tax advantages, to it's unique felixibility and gaurantees, whole life insurance is the ideal vehicle for practicing the Infinite Banking Concept®. Learn why it is different from term insurance, why premiums aren't actually "expensive", and finally, explore the overall mechanics for an understanding of why it's the most sound place to store your money. "You finance everything you buy. You either pay interest to someone else, or y...2023-05-2028 minThe ABC's of IBCWhat Is the Infinite Banking Concept (IBC)Join Doug and John, your IBC experts, for a simple explanation of simple concept that most people tend to overcomplicate- The Infinite Banking Concept® The Infinite Banking Concept® (IBC) is about creating your own personalized banking system. The ideal vehicle is high cash value, dividend paying whole life insurance. When implemented correctly, the money in the policy can begin doing two jobs instead of one. Having an ever-growing base of capital ready to deploy outside of the policy is what makes this concept truly infinite. “Wealth has got to reside somewhere. Where would you prefer to ha...2023-05-1926 minThe ABC's of IBCHow We Discovered IBCTo kick off the podcast, Doug and John provide a cursory overview of how they discovered the Infinite Banking Concept (IBC) as well as provide a general overview of this supremely advantaged, relatively unknown strategy. Learn how you can incorporate the IBC into your life and existing financial plan to create a rock-solid foundation for your money. “Wealth has got to reside somewhere. Where would you prefer to have it reside?” – R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept. Connect with Doug MacKenze: Website: Control Capital Solution...2023-05-1242 min
Black-Eyed N BluesLock Up the Liquor | BEB 331Playlist:
Brian MacDonald, Midnight In Nowhere,
Chris Stovall Brown, DRive Myself Crazy,
The Weeklings, Baby You’re A Rich Man,
Mike Crandall Band, Jump Blues,
Black Cat Road, Faith And Ammunition,
Benny And The Flybyniters, Hammerhead,
Big Apple Blues, You Gotta Start Somewhere,
The Little Red Rooster Blues Band, Lock Up The Liquor,
Vanessa Collier, You Get What You Get,
The Bennett Brothers, Rocking Chair,
Nick Piunti, Temporary High,
The Bruce Katz Band, Hesitation Blues,
Markey Blue Ric Latina Project, Mississippi Soul,
Tammi Savoy & Th...2018-07-181h 57