Shows
The IBC Guys|Ep.50| A Better Question - IBC Doesn't Ask but Helps AnswerEpisode 50: A Better Question - A Question IBC Doesn’t Ask but Helps Answer
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave and Tim ask a better question. Often, when people feel as though they don’t know enough about a given topic, they don’t feel as though they know what question(s) to ask. Dave and Tim present a question that often doesn’t get asked:
Where should my money live when I’m not actively using it?
As the IBC Guys have gone throug...
2026-01-2855 minThe IBC Guys|Ep.49| Teach You to Be Rich - Conscious SpendingEpisode 49: Teach You to Be Rich - Conscious Spending (Chp. 4)
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave continues the mini-series titled “Teach You to Be Rich (?).” Using Ramit Sethi’s book I Will Teach You to Be Rich as a comparison, Dave tackles Chapter 4 which is titled “Conscious Spending.”
The book is a great one, but has one major flaw - it doesn’t address the Infinite Banking Concept. The goal of this mini-series is to work through Mr. Sethi’s book a chapter at a time through the l...
2026-01-2042 minThe IBC Guys|Ep.48| Teach You to Be Rich - InvestingEpisode 48: Teach You to Be Rich(?) - Investing
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave continues the mini-series titled “Teach You to Be Rich (?).” Using Ramit Sethi’s book I Will Teach You to Be Rich as a comparison, Dave tackles the Chapter titled “Get Ready to Invest.”
The book is a great one, but has one major flaw - it doesn’t address the Infinite Banking Concept. The goal of this mini-series is to work through Mr. Sethi’s book a chapter at a time through the...
2026-01-1333 minThe IBC Guys|Ep.47| Teach You to Be Rich - BanksEpisode 47: Teach You to Be Rich - Banks
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave starts a new mini-series titled “Make You Rich.” Ramit Sethi’s book I Will Teach You to Be Rich caught Dave’s eye and was a great read over the past week. The book is a great one, but has one major flaw - it doesn’t address the Infinite Banking Concept. The goal of this mini-series is to work through Mr. Sethi’s book a chapter at a time through the lens o...
2026-01-0633 minThe IBC Guys|'Best Of' No. 1| How Banks Are Stealing Your Wealth‘Best Of’ 1: How Banks Are Stealing Your Wealth
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, we take a look back at one of the most listened to episodes on the ‘Best Of’ series. Sit back, relax, and it’s our hope you’re able to gain a new insight into IBC as you re-listen to this important episode.
As always, if Mike or Dave is able to help, please don’t hesitate to reach out at the socials below.
Resources Mentioned:
...
2025-12-1636 minThe IBC Guys|Ep. 45| AVERAGE vs ACTUAL Rate of Return - with Joe PantozziEpisode 45: AVERAGE vs ACTUAL Rate of Return - with Joe Pantozzi
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Joe Pantozzi joins Mike and Dave to talk through how people often describe investments - the average rate of return. Joe lays it all out there - the numbers, all of the variables, and the broader perspective - to allow the listener and viewer deeper insight into how new knowledge can shape perspective when it comes to rates of return.
Simply put, the average rate...
2025-12-0958 minThe IBC Guys|Ep. 44| [Part 2] Kyle Busch Revisited...with Mike!Episode 44: [Part 2] Kyle Busch Revisited…with Mike!
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave finish their conversation based on the Kyle Busch situation being played out within the media. The guys reaffirm their position on why they use Whole Life policies over IULs, talk through situations they’ve encountered in the life insurance space, and double-down on their desire to put the client first in any policy they build.
Also in this episode, the guys wear the same clothes, everyone wants to talk wi...
2025-12-0238 minThe IBC Guys|Ep. 43| Part 1 - Kyle Busch Revisited...with Mike!Episode 43: [Part 1] Revisiting Kyle Busch - with Mike!
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave revisit the Kyle Busch situation. New information has come out reading the creation of the policy, the agent who facilitated the policy, and the actions of the Busch family. There’s lots to talk about in this situation and Mike and Dave work to hit the highlights in this two parts series.
Mike and Dave talk through their reactions to the new information as well as the...
2025-11-2540 minThe IBC Guys|Ep. 42| Instead, IBC Like Walt Disney!Episode 42: Instead, Make Sure to IBC Like Walt Disney
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave talks about a famous person that did it correctly - Walt Disney! Mr. Disney needed some cash to begin his journey of starting Disney World, and the bank wouldn’t give the cash to him! So, like most that would do pretty much anything to realize a dream, Mr. Disney leveraged an asset he had control over - his life insurance policy!
Dave talks through an example of some...
2025-11-1845 minThe IBC Guys| Ep. 41| Don't IBC Like Kyle BuschEpisode 41: Don’t IBC Like Kyle Busch
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave talks about a big story in the Life Insurance World! Kyle Busch, the famous NASCAR driver, is suing his insurance company and his former agent because the policies that were created for his family were not meeting the promises that were described from the onset.
Taking this tale of caution and diving deeper, Dave ran across Bobby Samuelson, a gentleman that stakes his claims on providing unbiased opinions on life insurance produ...
2025-11-1145 minThe IBC GuysEp. 40 - The Other Side of IBCEpisode 40: The Other Side of IBC
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave takes a look at the other side of IBC: the Life Insurance Component. Much is made of the banking capabilities in IBC, but the life insurance side is often overlooked. The fact that an IBC policy is tied to a life insurance policy provides stability, tax free implications, and legacy building power for generations. Dave provides five thoughts on why building IBC policies around life insurance is so important.
Also in this episode...
2025-11-0420 minThe IBC GuysEp. 39: Critiques, Claims, and Cash Value - IBC Conversations OnlineEpisode 39: Critiques, Claims, and Cash-Value - IBC Conversations Online
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave dives deep into the internet world of finance. After someone asks a question about IBC in a financial forum, Dave reads through the responses. There is some good, a lot or misunderstanding, and some downright incorrect. If you understand IBC in some of the ways stated in this episode, Dave’s goal is to shed light on the misinformation used to formulate the responses.
Also in this episode, Dave can’t tal...
2025-10-2842 minThe IBC GuysEp. 38 - Would ChatGPT Do IBC?Episode 38: Would ChatGPT Do IBC?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave asks ChatGPT - If you were me, would you do IBC? As an unbiased third party, ChatGPT walks Dave through the pros and cons of INC from its perspective. ChatGPT also provides a checklist of things it would ensure are in place prior to jumping into building a policy, building on foundational principles and into financial literacy understanding. Join Dave as he picks the brain of artificial intelligence, with the goal of helping you better deter...
2025-10-2139 minThe IBC GuysEp. 37 - IBC Stories: YvonneEpisode 37: IBC Stories: Yvonne
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave is excited to interview Yvonne Burke, an IBC expert and a long-time practitioner in her own right. As an expert, Yvonne talks through people’s most asked questions when starting IBC, provides simple, succinct advice in getting started, and she shares where she made her biggest mistake in getting started. Yvonne also addressed ‘the noise around IBC,’ what to look for in an agent when getting started, and misconceptions that lead to poor choices and, even worse, not...
2025-10-1436 minThe IBC GuysEp. 36 - Can One Dollar Do Two Jobs at One Time?Episode 36: Can One Dollar do Two Jobs at Once?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave poses the question. “Can One Dollar do Two Jobs at once?” The answer: YES! Dave discusses how this simple question gets at the heart of IBC. The one dollar (1) stays within the policy growing one dividends, interest, and an internal rate of return while at the same time (2) is able to be leveraged to go pay for the things one already has slated in their budget. It’s not too crazy to be true...
2025-10-0727 minThe IBC GuysEp. 35: IBC Stories - JoeEpisode 35: IBC Stories - Joe
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave is joined by Joe Pantozzi, the founder and CEO of Alpha Omega Wealth. Joe has been in the business 50+ years and had the privilege of personally knowing Nelson Nash, the founder of the Infinite Banking Concept. Joe takes Dave and the listeners through the ideas of ‘re-thinking one’s thinking’ and capitalizing one’s policy - two of the foundational principles in getting started with IBC. Joe is an expert in the IBC world, so sit back, lis...
2025-09-3038 minThe IBC GuysEp. 34 - The Trauma Around MoneyEpisode 34: The Trauma Around Money
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave discusses a new book titled The Trauma Around Money: Mapping Compassionate Pathways to Healing Financial Wounds and Disempowering Shame. Dave is no expert on the topic, but he does talk with a lot of people struggling with different mindsets (trauma) when it comes to money. Join Dave as he discusses Chapman’s book, discusses his own story in money trauma, and shows how IBC can help combat some of the lies that others tell yo...
2025-09-1639 minThe IBC GuysEp. 33 - Base vs Paid Up AdditionsEpisode 33: Base vs. Paid Up Additions
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave discusses the two components that build IBC policies - the Base premium and the Paid Up Additions (PUA) premium. He goes through and discusses how each policy should be built for the client and not just as a one-size-fits-all suggestion from the agent. The Base and PUA should combine to provide the client exactly what they are looking for in the policy. Dave also discusses the roles of the Base and the PUA, respectively, and h...
2025-09-0932 minThe IBC GuysEp. 32 - The Downsides of IBCEpisode 32: The Downsides of IBC
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave discusses the downsides of IBC. The Guys want to get IBC out to everyone, so the Guys thought it time to discuss the downsides of IBC. Dave discusses the downsides to individual policies as well as the broad overarching downsides of all Whole Life policies. Dave doesn’t do this alone, though. He brings in Nelson Nash, Carlos Lara, and Dr. Bob Murphy to help him discuss the aspects of IBC that maybe aren’t so great.
2025-09-0236 minThe IBC GuysEp. 31 - IBC Loans: Is There Interest?Episode 31 - IBC Loan: Is There Interest?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike is away and Dave works to tackle a question people often ask - “Is there interest when I take a Cash Value loan?” Discussing the ceiling of Cash Value, the collateral of the Death Benefit, and how the ledger continues to make one uninterrupted compounding growth, Dave discusses how the interest rate comes out to about a 0% interest loan. All the above, as well as fixed and variable loans, coalesce into an episode...
2025-08-2623 minThe IBC GuysEp. 30 - EVA (Economic Value Added) Part 2Episode 30: EVA (Economic Value Added) Part 2
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave further discuss EVA - or Economic Value Added. In Part 1, the guys worked to (1) define EVA and (2) provide insight into how IBC considers EVA while allowing one to still use someone else’s money. EVA is a complicated issue but, at its heart, there is one question: Has the earning potential been considered for the money you are saving or spending?
Also in this episode, Mike is looking for listener help in...
2025-08-1940 minThe IBC GuysEp. 29 - EVA (Economic Value Added) Part 1Episode 29: EVA (Economic Value Added) Part 1
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave discuss EVA - or Economic Value Added. Nelson Nash, the Godfather of OBC, states “One finances everything.” What he means is that there is a cost to every choice made with one’s money - even saving it in a shoebox. The Guys work to define EVA, discuss the impact EVA has on making financial choices, and then how EVA relates and shows up in IBC. This higher level IBC topic is grea...
2025-08-0538 minThe IBC GuysEp. 28 - Shame in Finances?Episode 28: Shame in Finances?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike is away, so Dave and Tim get to hang out and discuss an interesting topic around finances - shame. The title of the episode has a two-fold meaning: (1) Does one have shame in finances and (2) Should one have shame in finances? The guys share their thoughts around shame related to their own finances and, specifically IBC, including personal examples of how they have felt shame around finances in their lives. If you’re looking for enco...
2025-07-2939 minThe IBC GuysEp. 27 - The IBC Loan ProcessEpisode 27: The IBC Loan Process
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave and Tim talk through the process of taking a ‘loan’ out of your IBC policy. The guys work to explain the process, discuss common misconceptions and misunderstandings, and compare the IBC loan process with the loan process of a traditional bank. If you’re ready for practical implementation, this episode is for you!
Also in this episode, the jokes are at Mike’s expense because he’s not there, Dave gets mad at himself...
2025-07-2238 minThe IBC GuysEp. 26 IBC Discussion - TimEpisode 26: IBC Discussion: Tim
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, back by popular demand, Mike and Dave are joined again by Tim Scheinder, a long time IBC user. Time provides his perspective and insight in IBC in this round table discussion. Tim is able to talk through some of the same ideas the Guys have discussed previously, but in a different way that brings clearer understanding.
Also in this episode, Dave proposes a new title for the podcast, Mike rides a bike backwards, and Tim is...
2025-07-1435 minThe IBC GuysEp. 25 - IBC Stories: TimEpisode 25: IBC Stories: Tim
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave are joined by Tim, a long time IBC user. Time provides a POWERFUL story in (a) what led his family to utilize IBC and (b) how IBC has impacted his family’s financial future.
Also in this episode, Mike tries out for the Senior PGA Tour, Dave gets put in his place, and Tim gets hit up for some of his wife’s cinnamon twists! If you’re interested in how IBC was...
2025-07-0836 minThe IBC GuysEp. 24 - Buy/Sell Agreements: Do you Need One?Episode 24: Buy/Sell Agreements: Do You Need One?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave discuss Buy/Sell agreements - definitions, examples, and encouragement in deciding if Buy/Sell should be in your life. When life changes - death, retirement, disability, etc. - Buy/Sell agreements (a) proactively make the decisions for the change and (2) pay out any financial settlement that may be part of that change. All the while, the owner of the policy can use the Buy/Sell agreement as an IBC policy, main...
2025-07-0129 minThe IBC GuysEp. 23 - IBC and Trusts: Mike's StoryEpisode 23: IBC and Trusts: Mike’s Story
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave talk about the relationship IBC policies have with Trusts. The guys discuss legacy wealth, tax sheltering, and how Mike plans to bless his family for generations.
In this episode, Mike decides he wants to (maybe) become a musician, Dave reveals his status as an attorney, and the guys ask for your help. If you have been thinking about how to ensure your family’s financial status long after you...
2025-06-2438 minThe IBC GuysEp.22 - How Much Premium Should Go In My First Policy?Episode 22: How Much Money Should Go Into My First Policy?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave talk through an often asked question: “How Much Money Should Go Into My First Policy?” The guys talk through different considerations, some key questions your family should ask itself, and help you to decide what the best amount should be for your first policy.
In this episode, Mike isn’t featured on 48 hours, Dave is glad to have his buddy back, and the guys give the most frus...
2025-06-1734 minThe IBC GuysEp. 21 - How Many Policies Should I Have?Episode 21: How Many Policies Should I Have?
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave discusses the number of IBC policies that is just right for each individual. Mike brings life into the world, Dave tries to explain things using cardinal directions, and Dave says things in a weird way - again!
Key takeaway: The number of IBC one should have is dependent on the person.
Resources Mentioned:
📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com
📞 Call: 507-205-2284
📅 Schedule a c...
2025-06-1119 minThe IBC GuysEp. 20 - IBC Guys UpdateEpisode 20: IBC Guys Update
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave gives a quick status update for the podcast, talks through specific examples of how people are using IBC, and asks you to call! It’s short and sweet this week.
Key takeaway: People are using IBC in all sorts of ways and so can you!
Resources Mentioned:
📩 Email: Dave@familybankingsolutions.com | Mike@familybankingsolutions.com
📞 Call: 507-205-2284
📅 Schedule a consultation: https://calendly.com/dave-familybankingsolutions/30min
📱 Follow us...
2025-06-0308 minThe IBC GuysEp. 19: IBC Stories - MelissaEpisode 19: IBC Stories - Melissa
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, the guys welcome Melissa! Melissa owns a marketing business that helps people define their mission and then communicate that mission in a way that is impactful and actionable. Melissa was instrumental in helping the guys launch the IBC Guys podcast. In doing so, she heard the guys’ story and learned about IBC, eventually leading her to secure her own policy. Melissa is relatively new to IBC so, if you have been wanting to hear about IBC from the...
2025-05-2035 minThe IBC GuysEp. 18 - Mike's IBC StoryEpisode 18: Mike’s IBC Story
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike tells his IBC story! It’s been too long coming, but this is the episode for which everyone has been waiting!
Mike and Dave talk through:
Mike’s introduction to IBC and his initial reaction
Mike’s perspective in the banking system and where IBC fits in (or doesn’t fit in)
How Mike realizes has passion of helping people through helping them with the Infinite Banking Concept
2025-05-1334 minThe IBC GuysEp17 - What is IBC? V.2 Part 2 - "HOW?!"Episode 17: What is IBC? V. 2 Part 2 - "HOW?!"
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave work to explain one key question often asked when talking through the ‘Purchasing a Truck’ example: “HOW does the money run through your IBC policy come back to your family?”
Mike and Dave talk through:
The Truck Example using one truck
The Rate of Return on running your money through your policy
How IBC monetizes the capital you’re using to pay for the truck co...
2025-05-0632 minThe IBC GuysEp. 16 - What is IBC? V.2Episode 16: What is IBC? V. 2
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike and Dave once again tackle the question “What is the Infinite Banking Concept?” Using similar examples said a different way, the guys work to answer the question that is asked of them the most.
Mike and Dave talk through:
The options of purchasing a vehicle and where IBC fits in
The ultimate benefit of having money you’ve already spent return to your account
The notion that IBC is so simp...
2025-04-2937 minThe IBC GuysEp.15 - IBC Stories - Jonathan and CarissaEpisode 15: IBC Stories - Jonathan and Carissa
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Mike is away to spend time with family, but Dave is joined by Jonathan and Carissa to hear their IBC story.
Jonathan and Carissa talk through:
How they came to hear and learn about IBC
How their family is leveraging IBC to have their money make money make money.
Their recommendations for those who are continuing to learn about IBC.
Dave, Jonathan, and Carissa have...
2025-04-2235 minThe IBC GuysIBC DefinitionsEpisode 14: IBC Definitions
Welcome back to The IBC Guys Podcast!
In this episode of The IBC Guys, Dave and Mike take a step back to unpack some of the key terms that often confuse folks new to Infinite Banking. If you've ever felt like IBC conversations sound like a foreign language, you're not alone—and this episode is here to help.
They break down:
Paid-Up Additions Rider (PUA): What it is, how it supercharges your policy, and why it’s central to building a banking system.
Modified Endowment Contract (MEC): What h...
2025-04-1537 minThe IBC GuysDo I Really Have to Pay Myself Back? – IBC MisconceptionsEpisode 13: Do I Really Have to Pay Myself Back? – IBC Misconceptions
Welcome back to The IBC Guys Podcast! In this episode, Mike and Dave tackle one of the biggest misconceptions about the Infinite Banking Concept (IBC): Do I really have to pay myself back?
We hear this question all the time. When you take a loan from your policy, do you have to pay it back? The short answer? No—but the real question is, why wouldn’t you? Today, we break down the mechanics of policy loans, how they work, and why...
2025-04-0829 minThe IBC GuysIBC and The Golden GooseEpisode 12: IBC and The Golden Goose
Welcome back to The IBC Guys Podcast! In this episode, we (Mike and Dave) dive deep into a powerful analogy—IBC and The Golden Goose—to help you understand how the Infinite Banking Concept (IBC) can transform your financial future.
You’ve probably heard the fable of the golden goose that lays golden eggs. But what if we told you that your financial system could work the same way? Instead of chasing short-term gains or relying on banks to control your money, what if you could bu...
2025-04-0127 minThe IBC GuysPart 2 - Using IBC to Buy a CarEpisode 11: Part 2 - Using IBC to Buy a Car
Hey everyone — welcome back to The IBC Guys Podcast! If you caught Part 1 last week, you know we started breaking down how to buy a car using the Infinite Banking Concept (IBC). Well, today, we’re rolling up our sleeves and getting into the weeds.
🚘 Part 1 Recap: We walked through Nelson Nash’s example from his book, comparing buying a car with a Certificate of Deposit (CD) versus using an IBC policy. Spoiler alert — the IBC method starts slower but wins big in the long run. Today...
2025-03-2535 minThe IBC GuysPart 1 - Using IBC to Buy a CarEpisode 11: Part 1 - Using IBC to Buy a Car
Welcome back to The IBC Guys Podcast! Mike and Dave are tackling a big one today — Using IBC to Buy a Car — and this is just Part 1 of a two-part series.
In this episode, we’re breaking down Nelson Nash’s book Becoming Your Own Banker. He lays out five ways to finance a car: leasing, bank loans, paying cash, using a Certificate of Deposit (CD), and using an IBC policy. We’re focusing on the last three — because they keep you in control of...
2025-03-1834 minThe IBC GuysHow to Use IBC in Purchasing Real EstateEpisode 10: How to Use IBC in Purchasing Real Estate
Welcome back to another episode of The IBC Guys Podcast! In today’s episode, we’re diving into an exciting and practical topic—how to leverage the Infinite Banking Concept (IBC) to purchase real estate. Whether you’re a seasoned investor or just getting started, this episode will show you how to use your IBC policy as a powerful tool to fund real estate investments and build long-term wealth.
Mike shares his personal experience in using IBC to purchase properties and walks us through...
2025-03-1138 minThe IBC GuysDave’s IBC StoryEpisode 9: Dave’s IBC Story
Episode Summary:
Welcome back to another episode of The IBC Guys Podcast! In this episode, we’re switching things up a bit as Dave shares his personal journey into the Infinite Banking Concept (IBC). From his early days as an educator to becoming a full-time entrepreneur, Dave walks through his path, his skepticism, and the pivotal moment that changed his financial mindset.
We also dive into how Dave and his wife transitioned from W2 jobs to running a land business, how they structure their finances using IBC, and t...
2025-03-0427 minThe IBC GuysGood Debt vs. Bad DebtEpisode 8: Good Debt vs. Bad Debt – How IBC Fits Into the Equation
Welcome to The IBC Guys Podcast!
In this episode, we (Mike and Dave) dive into a topic that’s often misunderstood—good debt vs. bad debt. Plus, we explore how the Infinite Banking Concept (IBC) can help you transform liabilities into assets and take control of your financial future.
What We Cover in This Episode:
A fun backstory about Mike’s legendary $15 sport coat—yes, really!
The difference between good debt and bad debt, and why understandin...
2025-02-2525 minThe IBC GuysFamily Banking LegacyEpisode 7: Family Banking Legacy – How to Keep Wealth for Generations
Welcome back to another episode of The IBC Guys Podcast! We’re Dave and Mike, and today we’re diving into a topic that’s close to our hearts—family banking and building a lasting financial legacy.
What We Covered in This Episode:
Why generational wealth disappears – Ever heard the phrase “Shirt sleeves to shirt sleeves in three generations”? We break down why 70% of wealth is lost by the second generation and 98% is gone by the third—and more importantly, how to stop that from happening to your family.
The financial literacy ga...
2025-02-1834 minThe IBC GuysHow Much Does an IBC Policy Cost?Episode 6: How Much Does an IBC Policy Cost?
Welcome back to The IBC Guys Podcast! In this episode, we’re tackling one of the most common questions we get: How much does an Infinite Banking Concept (IBC) policy cost?
The answer? It depends! There’s no fixed minimum or maximum amount—you can start with what works for you. We’ll break down how IBC policies work, what factors influence cost, and how you can start building your banking system today.
Key Takeaways:
No Set Cost – Thin...
2025-02-1110 minThe IBC GuysSavings vs. Investing & Where IBC Fits InEpisode 5: Savings vs. Investing & Where IBC Fits In
Welcome back to The IBC Guys Podcast! In this episode, Mike and Dave tackle a common question: What’s the difference between saving and investing, and where does Infinite Banking (IBC) fit in? We break down the definitions of saving and investing, discuss how most people confuse the two, and explain why IBC is neither—it’s a cash flow system that helps you recapture money you’re already spending.
We also play a quick game of "Is it Saving or Investing?" to challenge the way...
2025-02-0428 minThe IBC GuysHow Banks Are Stealing Your WealthEpisode 4: How Banks Are Stealing Your Wealth
Welcome to the fifth episode of The IBC Guys! Today, Mike and Dave reveal how banks profit from your hard-earned money and share how you can take back control using the Infinite Banking Concept (IBC).
In This Episode:
How Banks Work: Learn how banks turn your deposits into massive profits through fractional reserve banking.
Impact on Families: Understand how traditional banking methods drain wealth from your family.
IBC Explained: Discover how IBC helps you grow and keep your money within your family’s financial system.
Real-Life Benefits: See how you can finance purchases like...
2025-01-2836 minThe IBC GuysDave's IBC StoryEpisode 4: Dave's IBC Story
🎙️ Welcome to Episode 4 of the IBCguys Podcast!
Today, we’re diving into some of the most important questions we hear:
How do you get started with Infinite Banking (IBC)?
How does IBC fit into your family’s life?
How can it benefit your business?
If you’re not using IBC, chances are you’re letting money flow away from your family forever.
In this episode, Dave shares his personal journey with IBC—from first learning about it, to truly understanding it, and finally implem...
2025-01-2330 minThe IBC GuysWhat is Financial Cancer and Do You Have It?Episode 3: What is Financial Cancer and Do You Have It?
Welcome back to our podcast show! We’re Mike and Dave, and this is our third episode. Today, we’re diving into a shocking reality: the average American is paying 34.5% of their income in interest. That’s right, over a third of your hard-earned money is going to someone else.
In this episode, we’ll cover three key things:
Identify how this is happening: Where is all this interest coming from, and how did it become such a massive burden on familie...
2025-01-2118 minThe IBC GuysWhole Life Insurance vs. Term InsuranceEpisode 2: Whole Life Insurance vs. Term Insurance
"Buy Term and Invest the Rest." You’ve probably heard this phrase before, but have you ever stopped to ask: Are the people saying it telling you the truth?Or better yet, are they telling you the entire truth?
In this episode, we’re diving deep into the topic of Whole Life insurance. We’ll compare Whole Life to Term insurance and break down the role Whole Life plays in the Infinite Banking Concept (IBC). Spoiler alert: Whole Life insurance isn’t just another policy—it’...
2025-01-1420 minThe IBC GuysWhat is IBC?Episode 1: Introduction to the Infinite Banking Concept
Welcome to the very first episode of The IBC Guys podcast with Mike and Dave!
Most people have never heard of the Infinite Banking Concept (IBC), but we’re here to change that. Every day, families are losing the opportunity to re-capture money that’s flowing away.
In this episode, we’ll give you a simple and practical overview of IBC and explain how we use it in our everyday lives. Whether you’re just hearing about this for the first time...
2025-01-0630 min2025-01-0500 min