If you're going to own a fleet of vehicles, why wouldn't you finance them through your own banking system instead of the bank's?

In this episode of Without the Bank, we break down one of the most misunderstood—and powerful—chapters in Nelson Nash's Becoming Your Own Banker: equipment financing.

WTB Episode 256 walks through how capitalizing a properly designed life insurance system allows business owners to finance trucks, equipment, and big-ticket items while building equity in the right place—their own banking system.

This episode clears up common confusion around "extra interest," explains why premium is what actually makes you money, and shows how scaling vehicle financing works—from one truck to an entire fleet. No magic. No shortcuts. Just math, discipline, and control.

Key Takeaways:

• Why equity in equipment is limited—and banking equity isn't
• The real meaning of "extra interest" (hint: it's additional premium)
• Why you don't make money just by taking policy loans
• How financing one, two, three, or four vehicles simply scales the same system
• Why capitalizing first gives you flexibility when business gets hard
• How policies must be structured as a system, not a single policy

Chapters:

• (00:00) Why fleet owners should think differently about financing
• (01:01) Capitalizing on the policy before buying equipment
• (03:07) Equity in the wrong place vs. the right place
• (06:05) "Extra interest" explained (and why it's misunderstood)
• (10:38) Financing one truck step-by-step
• (13:59) Scaling to multiple vehicles
• (17:06) Using the system beyond trucks (taxes, real estate, equipment)

Want help structuring your own banking system?
Buy the book, read it, and then schedule a strategy call with our team today.

Read the chapter. Run the numbers. Don't overcomplicate it.

Links Mentioned:

Without the Bank: https://www.withoutthebank.com

Contact:
maryjo@withoutthebank.com
tarisa@withoutthebank.com

Insurance premiums keep rising—but claims are getting denied. So the big question is: does self-insuring actually make sense, or is it a risky move most people misunderstand?

In WTB Episode 255, we dive into one of the most controversial chapters of Becoming Your Own Banker: expanding the system and self-insuring. We unpack Nelson Nash's ideas around premiums matching income, infinite banking, and when (or if) it makes sense to self-insure things like automobiles and homes.

This episode also tackles the real-world problems people are facing today—denied insurance claims, skyrocketing repair costs, inflation, and misunderstood coverage. We break down the theory and the reality so you can decide what's right for your situation.

Key Takeaways:

Why insurance companies are denying more claims than ever

What Nelson Nash really meant by "self-insuring."

The difference between comp & collision vs liability coverage

How infinite banking creates a closed-loop financial system

Why self-insuring works for some—but not everyone

The importance of documentation for homeowners' insurance claims

Chapters:

(00:00) – Insurance claims denied & rising premiums

(01:11) – The infinite banking paradigm explained

(02:15) – Becoming your own banker (closed-loop system)

(03:38) – Capitalization & financing cars through policies

(03:56) – Self-insuring autos & homes: real-world risks

(06:01) – Personal property insurance & documentation pitfalls

(09:34) – When self-insuring makes sense (and when it doesn't)

What if two people saved the exact same amount of money... but one retired with nearly $900,000 more than the other? The difference wasn't discipline — it was where the money lived.

In this episode of Without the Bank, we break down one of the most powerful chapters from Becoming Your Own Banker: The Twin Sister Example. Using Nelson Nash's comparison between CDs and Infinite Banking, we examine how capitalization, dividends, and ownership significantly impact long-term outcomes.

We also tackle one of the most misunderstood — and ignored — components of Infinite Banking: the death benefit. Many people focus only on early cash value, but real banking strategies account for protection, longevity, and uninterrupted compounding.

If you've ever wondered why Infinite Banking outperforms traditional savings, CDs, and even "paying cash," this episode connects the dots.

Key Takeaways:
Why capitalization is unavoidable — no matter how you finance purchases
How leasing, bank loans, cash, CDs, and Infinite Banking really compare
The hidden cost of "paying cash" and sinking funds
Why the death benefit is not a downside — it's a bonus
How ownership and dividends change retirement income forever
Why Infinite Banking allows income without running out of money

Chapters:
(00:00) – Why the death benefit matters more than people think
(01:09) – Why starting small beats radical lifestyle changes
(02:25) – Comparing car financing: lease, bank, cash, CD, IBC
(08:38) – CDs vs Infinite Banking: the Twin Sister example
(12:55) – Why dividends change everything long-term
(16:13) – Retirement income: why one sister runs out and the other doesn't
(27:32) – The two rules of Infinite Banking you must follow

Get Started:
Ready to build your own banking system?
Email: maryjo@withoutthebank.com
Email: tarisa@withoutthebank.com

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