The Money Advantage Podcast Podcast Por Bruce Wehner & Rachel Marshall arte de portada

The Money Advantage Podcast

The Money Advantage Podcast

De: Bruce Wehner & Rachel Marshall
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Episodios
  • Can You Use IUL for Infinite Banking

    Can You Use IUL for Infinite Banking
    Sep 29 2025
    Have you ever heard someone say you can use an IUL for Infinite Banking? Maybe you’ve seen a slick video online, or a persuasive advisor with charts and projections that promise you higher returns, flexible premiums, and “upside potential.” It sounds convincing—especially when you compare the numbers on an illustration. Who wouldn’t want more cash value and lower premiums? But here’s the sobering reality: when it comes to Infinite Banking, an Indexed Universal Life policy (IUL) doesn’t deliver what matters most. https://www.youtube.com/live/beR3FnHLAG4 And that’s a big problem, because Infinite Banking is not about chasing the highest return—it’s about creating a system of certainty and control. If you build your family’s financial foundation on a shifting product with no guarantees, the consequences don’t show up immediately—but when they do, they can devastate your future. I don’t say this lightly. My co-host, Bruce Wehner, has seen it firsthand. For decades, he has worked with clients who were told their Universal Life or Variable Universal Life would “never fail.” And yet, over time, those policies collapsed under rising costs, vanishing crediting, or shifting assumptions. I’ll weave some of his stories in throughout this article, because you deserve to see not just the theory, but the real-world results. Today, I want to give you clarity. I want to cut through the confusion and soundbites and show you exactly why IULs cannot serve as the foundation for Infinite Banking, and what you should do instead. What Infinite Banking Really Is (and Isn’t)Can You Use IUL for Infinite Banking?Whole Life vs. IUL: The Key Differences1. Guarantees2. Premiums3. Cash Value Growth4. Loan Provisions5. EndowmentWhy Guarantees Matter for Infinite BankingCommon Misconceptions About IUL for Infinite Banking“IULs never lose money.”“IULs have more upside.”“IULs are more flexible.”Lessons from Real PeopleThe Bigger Picture: Stewardship and LegacyThe Answer to the IUL MythBook A Strategy CallFAQ: IUL for Infinite BankingCan you use IUL for Infinite Banking?Why does Infinite Banking require Whole Life insurance?Do IULs really offer more upside?What happens if I underfund an IUL?What’s the safest way to start Infinite Banking? By the end of this article, you’ll understand: Why Infinite Banking requires certainty, control, and guarantees. How Whole Life and IUL compare—and why IUL falls short. The most common misconceptions about IUL for Infinite Banking. Real lessons from history and clients who have lived through these products. How to take the next step if you’re serious about building your own banking system. Let’s dive in. What Infinite Banking Really Is (and Isn’t) When people first hear about Infinite Banking, they often confuse it with “just buying life insurance.” Here’s the truth: Infinite Banking is not about the product. It’s about the process. At its heart, Infinite Banking is about taking control of your cash flows—those dollars that normally flow out of your life to banks, credit card companies, finance companies, and investment firms—and capturing them inside your own financial system. It’s about becoming your own banker. And that requires certainty. Infinite Banking utilizing life insurance only works if you can rely on three things: Guaranteed cash value growth – You need to know your pool of capital will increase every single year, no matter what. Guaranteed level premiums – You need to know exactly what you’ll owe, so you can plan and build discipline. Guaranteed death benefit – You need the confidence that your legacy will be secure for your family, no matter what happens. If any of those guarantees are missing, you’re not in control. You’re gambling. This is why Whole Life insurance from a mutual company has always been the proper tool for Infinite Banking. And it’s also why IUL fails the test. Can You Use IUL for Infinite Banking?
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  • What Are the Risks of Infinite Banking? The Myths, Truths, and Real Concerns

    What Are the Risks of Infinite Banking? The Myths, Truths, and Real Concerns
    Sep 22 2025
    When most people first hear about Infinite Banking, one of the first questions that comes up is: “But what are the risks of Infinite Banking?” It’s a fair question. We live in a financial world where we’ve been conditioned to look for the fine print, the hidden traps, and the potential downsides of anything that sounds “too good to be true.” https://www.youtube.com/live/7JHmm5jEfQ0 I get it. When you first hear the concept of becoming your own banker through whole life insurance, the mind immediately goes to skepticism: Are the premiums too high? Is whole life a bad investment? What if I can’t afford it later? Here’s the truth: most of what people call the risks of Infinite Banking aren’t really risks at all. They’re misconceptions, misunderstandings, or simply the result of looking at Infinite Banking through the wrong lens. In this blog, we'll pull back the curtain and unpack the myths, expose the real risks, and help you see why Infinite Banking—when understood and implemented correctly—is not risky, but rather one of the most powerful financial strategies you can use to take control of your wealth. Common Misconceptions About Infinite BankingMyth #1: Whole Life Insurance is a Bad InvestmentMyth #2: The Premiums are Too HighMyth #3: Infinite Banking = Life InsuranceThe Real Risks of Infinite BankingRisk #1: Not Understanding the Problem You’re SolvingRisk #2: Poorly Designed PoliciesRisk #3: Dipping Your Toe InRisk #4: Wrong Perspective (Consumer vs. Owner)Why Infinite Banking Works When Done RightControl vs. DependencyRecapturing Opportunity CostMutual Companies Align With OwnersShould You Be Worried About the Risks?The Bottom Line on Infinite Banking RisksBook A Strategy CallFAQ: What Are the Risks of Infinite Banking?Is Infinite Banking risky?What are the downsides of Infinite Banking?Is Infinite Banking a scam?Can I lose money with Infinite Banking? Common Misconceptions About Infinite Banking Myth #1: Whole Life Insurance is a Bad Investment This is the first thing most people say when they hear about Infinite Banking. They’ve been told for years by financial gurus that whole life insurance has a low rate of return and is therefore “a bad investment.” But here’s the problem: Infinite Banking is not an investment. It’s a system. It’s about controlling the flow of your money, not chasing the next hot stock. Whole life insurance is simply the tool that makes Infinite Banking possible—it provides the guarantees, safety, and contractual structure you need to run your own banking system. So when someone says Infinite Banking is risky because life insurance is a “bad investment,” they’re comparing apples to oranges. Myth #2: The Premiums are Too High Another common objection: “What if I can’t afford the premiums long term?” Here’s what most people miss. Premiums are not a bill—they are a way of paying yourself first. Every premium dollar you pay is a contribution to your own financial system. Unlike money you pay to a bank, that premium isn’t lost—it builds guaranteed cash value that you can use for opportunities, emergencies, or expenses. The real risk isn’t paying premiums. The real risk is not valuing your own capital and continuing to let someone else profit from your money. Myth #3: Infinite Banking = Life Insurance This is one of the biggest misconceptions. People hear Infinite Banking and immediately equate it with whole life insurance. But Infinite Banking is bigger. It’s about a process—the flow of money, storing it, using it, replenishing it. Life insurance is just the storage tank that makes the process efficient. Confusing the two is like saying “banking equals a vault.” The vault is just the tool. The banking process is much bigger. The Real Risks of Infinite Banking Now let’s get into the real question: What are the actual risks of Infinite Banking? Risk #1: Not Understanding the Problem You’re Solving
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    1 h y 10 m
  • Is Infinite Banking a Sales Tactic? The Truth About Taking Back Control of Your Money

    Is Infinite Banking a Sales Tactic? The Truth About Taking Back Control of Your Money
    Sep 15 2025
    “Is Infinite Banking a sales tactic?” It’s one of the first questions we hear—and it’s a valid one. When I first encountered Infinite Banking, I wasn’t looking for a new strategy. I was simply trying to find a better place to store cash. https://www.youtube.com/live/K00YrFJtIQE Like many families, Lucas and I were putting our savings into gold and silver. It felt like a smart move—until we needed liquidity. The value dropped. Selling took time. We lost money. That painful experience pushed us to rethink everything. We didn’t just need a safe place to grow money. We needed control. Later, in a conversation with Becca, she described the same thing. Money flowing in and right back out—like a stream running through a field. Helpful, yes, but gone. Then she shared the image of a beaver building a dam—not to trap water, but to create an environment where it could thrive. Safe, sustainable, and self-reliant. That’s exactly what Infinite Banking became for us. Not a product. Not a pitch. A system to store capital in a place we own, control, and can use. But the question remains:Is Infinite Banking just a life insurance sales tactic—or is it a tool to transform the way you use money for the rest of your life? Let’s unpack the truth. Is Infinite Banking a Sales Tactic… or Something Deeper?The Truth Behind the Question: Is Infinite Banking a Sales Tactic?Infinite Banking Is Not About Life Insurance—It's About Solving a ProblemBehavior Over Products: Control Over ReturnsWhole Life Insurance Isn’t the Point—It’s Just the Best ToolWhy It Looks Like a Sales Pitch—and How to Spot the Real DealWhy This Matters to YouWant the Full Story? Listen to the PodcastBook A Strategy Call Is Infinite Banking a Sales Tactic… or Something Deeper? You may have heard that Infinite Banking is just a slick way to sell life insurance. On the surface, it might even look that way. There are illustrations, charts, and policies being pitched. And when the conversation starts with numbers on a page instead of the problem it solves, skepticism is healthy. But we’re here to clear the fog. In this article, Bruce and I are going to unpack the truth behind this common misconception. You’ll learn: What Infinite Banking really is (and isn’t) Why life insurance is the best tool—but not the point How to recognize the difference between strategy and sales pitch And how to regain control of your financial life—starting now Let’s dive in. The Truth Behind the Question: Is Infinite Banking a Sales Tactic? Infinite Banking Is Not About Life Insurance—It's About Solving a Problem The biggest myth we bust every week? That Infinite Banking is life insurance. It’s not. It’s a financial strategy—an operating system for your cash flow. One designed to solve a problem most people don’t even realize they have: money flowing out of their control. You earn, you spend, and the dollars disappear—off to banks, lenders, and third parties. That’s the problem. Nelson Nash, who founded the Infinite Banking Concept, said it best: "This is not a sales tool for life insurance agents." He knew the real goal was bigger—reclaiming the banking function in your life. If someone’s only showing you a pile of cash value in a policy illustration without helping you understand the problem being solved—they’re selling. But Infinite Banking, when properly understood, isn’t about selling. It’s about solving. Behavior Over Products: Control Over Returns Most financial conversations focus on numbers—rate of return, annual yield, projections. But Infinite Banking asks a different question:Who controls the capital? Because control changes everything. It’s not about finding the highest return. It’s about having the ability to access capital when you need it—without bank approval, without penalties, and without interrupting compound growth. That’s why we say: don’t be fooled by the visible.
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    1 h
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