Articles & Blog
Deep dives into IBC concepts, Austrian economics, and sound money principles.
Why I Don't Use Indexed Universal Life Insurance
IUL promises market upside without the downside. Here's what that promise actually delivers—and why Nelson Nash never sold one.
The Ultimate Guide: What is Infinite Banking?
Master the Infinite Banking Concept and learn how to become your own banker. The complete guide to Nelson Nash's revolutionary discovery—from origin story to implementation.
IBC vs 401k: The Complete Comparison Guide (2026)
What the retirement industry doesn't want you to know. Comprehensive analysis of Infinite Banking vs 401k for building wealth and controlling your financial future.
Nelson Nash as Heir to Carl Menger: The Austrian Foundations of IBC
Why the Infinite Banking Concept isn't just insurance strategy—it's Austrian economics applied to personal finance. From Menger's theory of capital formation to Nash's dividend-paying whole life, discover the intellectual lineage that makes IBC a revolution in financial thinking.
Beyond Nash's Human Problems: Five Systemic Failures of Modern Finance
Nelson Nash diagnosed the behavioral barriers to wealth building. But there's another layer: the systemic misconceptions about finance that keep families trapped. Here are five financial lies you were taught—and why conventional advice makes them worse.
How a Properly Structured Policy Actually Works: The Engine of IBC
Beyond the marketing fluff and sales presentations lies the intricate machinery of dividend-paying whole life insurance. Discover exactly how base policies, PUA riders, MEC rules, and dividend allocation create the most sophisticated financial instrument ever designed.
Policy Loans: The Most Misunderstood Financial Tool in America
Policy loans aren't what you think they are. They're not withdrawals, they're not borrowing your own money, and they're not expensive. Discover why policy loans represent the most favorable lending arrangement ever created—and why conventional finance wants you to misunderstand them.
Beyond the Noise: Understanding the Toughest Objections to IBC
For those who want to believe but need intellectual satisfaction. A calm, measured response to the toughest questions skeptics raise about the Infinite Banking Concept.
The Moment It All Clicks: IBC as a Complete System
The capstone article where Austrian economics, policy mechanics, banking function, and capital formation converge into a single, coherent framework for financial sovereignty.
What Is the Infinite Banking Concept?
Every paycheck flows through banks. Every 401k loan comes from banks. Every mortgage payment goes to banks. What if you could be on the other side of that equation?
The Banking Function: What Nelson Nash Really Meant
You understand corporate finance. You know about capital allocation. But do you know that 34.5 cents of every dollar in the economy flows through the banking function?
The Perils of Ignoring the Banking Function
Maxing your 401k while ignoring the banking function is like optimizing your gas mileage while your engine leaks oil. You're solving the wrong problem.
Buy Term and Invest the Difference — Debunked
The financial planning industry's most sacred advice crumbles under mathematical scrutiny. Here's what really happens over 30 years when you 'invest the difference.'
Sequence of Returns Risk: When Your 401k Crashes at the Worst Time
Two professionals retire with identical average returns. One lives comfortably for 30 years. The other runs out of money in 15. The difference? Timing.
Breaking Free from Golden Handcuffs: How IBC Creates Independence from Corporate Control
A case study of how a high-earning professional used the Infinite Banking Concept to escape corporate dependency and build true financial sovereignty.
What If You Were the Bank?
After four articles showing problems with traditional real estate financing, discover how IBC transforms you from dependent borrower to autonomous banker. Policy loans offer instant capital, speed advantages, and recaptured interest.
Breaking Free From the Financing Treadmill
The final piece of the real estate investor's puzzle. How to break free from traditional financing forever and build a system that serves you, not the banks.
Your Business Is Your Greatest Asset (Or Is It?)
Your business is your greatest asset - but you're giving away the banking function. Reclaim control & maximize profits. Act now!
The Cash Flow Problem Nobody Talks About
Your business is profitable. Your life is comfortable. So why is there never enough capital sitting around when opportunity knocks? The problem isn't your revenue—it's the flow.
Your Bank Is in the Banking Business
They don't create money from thin air. They borrow your money at one rate and lend it back to you at another. And they're making a fortune doing it—with capital you provided.
Nash's Grocery Store: The Business Case for IBC
A forester from Alabama discovered something in 1980 that the banking industry hoped nobody would notice. His grocery store analogy explains everything.
Equipment, Expansion, and the Banking Function
Real numbers from real business owners who discovered that controlling the financing function is worth more than optimizing the business itself.
Two Businesses: Your Primary Business and Your Banking Business
Every successful business owner eventually discovers they're running two businesses. Most only optimize one. The wealthy optimize both.
Freedom From the Financial System
Break free from third-party lenders, government retirement plans, and the hidden costs that drain 34.5 cents of every dollar you earn.
The Banking Function: What Nash Really Meant
You finance everything you buy. Either you pay interest to someone else, or you give up interest you could have earned. There is no third option.
The Debt Trap: How Conventional Financing Keeps You in Financial Prison
Mortgage payments. Car loans. Student debt. Credit cards. You think you're building wealth, but 34.5 cents of every dollar you earn bleeds out to someone else's banking system. Welcome to the trap.
Buy Term and Invest the Difference: The Myth That Keeps You Trapped
Why the most logical-sounding financial advice actually destroys your freedom and keeps you dependent on markets, government rules, and banks.
IBC vs. Dave Ramsey's Advice: Two Roads to Financial Freedom
Dave gets you out of debt. Nelson Nash gets you into sovereignty. Both have value, but don't stop at zero.
Austrian Economics 101: Why It Matters for IBC
Nelson Nash wasn't just an insurance guy. He was an economist. And that changes everything about how you understand IBC and individual liberty.
Where Does Your Money Actually Go?
Follow a paycheck from deposit to death and discover how much of your money ends up in someone else's bank account.
The Silent Partner in Every Purchase
Even when you pay cash, you're still financing the purchase. Meet the invisible partner who profits from every dollar you spend.
Why Your Savings Account Is Working Against You
Your savings account is supposed to help you build wealth. Instead, it's quietly destroying your purchasing power. Here's how.
What Banks Actually Do With Your Money
Banks aren't safekeeping your money. They're using it to get rich. Here's exactly how the banking business really works.
The Question Nobody Asks About Retirement
Everyone talks about saving for retirement. Nobody talks about how you'll access money during retirement. Here's the question that changes everything.
What If You Were the Bank?
After seeing where your money really goes, one question becomes obvious. Here's the answer that's been hiding in plain sight for 200 years.
Why Most Families Lose Their Wealth in Two Generations
The gap between making money and understanding money destroys generational wealth. Teaching your children the banking function through IBC bridges that gap.
The Family Banking System Explained
Build a multi-generational family banking system with IBC. Create lasting wealth for your children. Start your legacy now!
Proverbs 13:22 — Building an Inheritance
Most Christians can quote this verse but few have a system to fulfill it. Money gets spent, but a financial system persists across generations.
Insuring Your Children: Starting Early
Why starting a policy at birth gives your child 18 years of uninterrupted compounding and guaranteed insurability for life.
The Multi-Generational Family Bank
How Nelson Nash's forestry wisdom creates an ever-expanding pool of family capital that operates outside the estate tax system.
Putting It All Together
You've learned the system. Here's how all the pieces connect — and how to know if this path is right for your family.
You're Right to Be Skeptical
The insurance industry has earned your distrust. Here's what they got wrong - and what they accidentally got right.
The Rate of Return Trap
Why comparing whole life 'returns' to stock market performance is asking the wrong question entirely.
Dave Ramsey's Missing Variable
Why 'Buy Term and Invest the Difference' fails when you actually do the math — and count how many factual errors Dave makes in one phone call.
What Financial Advisors Actually Say About Whole Life (And What They Get Wrong)
Real objections from credentialed financial advisors — CFPs, CIMAs, and more — debated for 5 hours on LinkedIn. Every claim. Every rebuttal. The actual conversation.
The Capital Nobody Counts
Why the most important financial calculation isn't on any spreadsheet—and how the banking function determines your wealth more than any rate of return ever will.
The View from Here
After five articles of evidence and examination, it's time to acknowledge how far you've come—and where you might go next.
The Lender's Leash: You Think You Own Your Portfolio, But Your Bank Owns Your Timeline
Real estate investors believe they control their destiny. But every financing decision puts them on a leash held by someone else — someone whose priorities don't align with theirs.
The Fragile Ladder: Why Your Capital Stack Breaks at the Worst Moment
Hard money, HELOCs, commercial loans, private lenders — the traditional real estate capital stack looks diversified. Until market conditions shift and every rung breaks at once.
Speed Kills Deals: When Capital Access Takes 45 Days, You Lose to Cash Buyers
The best real estate opportunities move faster than bank approvals. While you're waiting for underwriting, someone else is closing. Speed beats price every time.
OPM Isn't Free Money: Banks Profit From Your Deals Too
Real estate gurus worship 'Other People's Money' as the key to wealth. But every dollar you borrow makes someone else rich. You're paying more than you think.
Understanding Cash Value Growth in IBC
How cash value grows in whole life insurance. Understand guaranteed growth, dividends & compound interest. Build wealth now!
10 Common IBC Myths Debunked
Debunk IBC myths & objections. Learn the truth about Infinite Banking rates, costs & benefits. Stop believing lies. Get facts!
How Dividends Work in Whole Life Insurance
Mutual company dividends explained — where they come from, why they matter for IBC, and what to do with them.
A Family of Four Implements IBC: A Multi-Generational Case Study
How the Mitchell family built a banking system across three generations — with real numbers showing premiums, cash values, and death benefits compounding over 75 years.
How Much Does IBC Cost? A Realistic Breakdown
IBC premiums aren't a cost — they're capitalization. Here's what to actually expect: premium ranges, structure, timelines, and the real comparison.
How Policy Loans Work (Beginner-Friendly)
Master IBC policy loans & uninterrupted compounding. Learn how to borrow against cash value without stopping growth. Get started!
IBC vs. 401(k): Why Your Retirement Plan Might Be a Trap
IBC vs 401k comparison: Why whole life insurance beats retirement plans. Gain control & guaranteed growth. Escape the trap now!
Nelson Nash & Becoming Your Own Banker
Discover Nelson Nash's Infinite Banking Concept that changed thousands of lives. Learn BYOB principles. Start your IBC journey now!
Paid-Up Additions: The Engine of Your Banking System
Maximize IBC with Paid-Up Additions riders. Accelerate cash value growth & increase death benefit. Optimize your policy today!
The Infinite Deal Machine: Building Your Real Estate Banking System
How multiple policies, staggered capitalization, and disciplined deal rotation create a self-replenishing capital system that grows stronger with every real estate transaction.
Becoming Your Own Private Lender: A Real Estate Case Study
A detailed case study showing how IBC practitioners finance their own real estate deals, with real numbers comparing traditional lending vs. policy loan financing across multiple properties.
The Banking Function Explained
Master the Banking Function - the most important financial concept you never learned. Control your capital flow. Take control today!
Who Should Consider IBC?
IBC isn't for everyone. Here's who benefits most from the Infinite Banking Concept — and who should look elsewhere.
Whole Life vs. Term Life: What IBC Practitioners Actually Think
Whole Life vs Term Insurance for IBC: Why cash value beats buy-term-invest-difference. Build your banking system. Start here!
Banking vs. Investing: Know the Difference
One of the most important distinctions in IBC — understanding that the banking function and the investment function are two completely different things.
Why Whole Life Insurance? The Vehicle Explained
Understanding why dividend-paying whole life insurance from a mutual company is the ideal vehicle for implementing the Infinite Banking Concept.