You've Heard the Claims. Now See the Evidence.
Healthy skepticism is a feature, not a bug. You don't need to believe anyone — you need to see the math, understand the mechanics, and decide for yourself.
Let's Address What You've Already Heard
Every skeptic has the same objections. We welcome all of them.
"Whole Life Is a Bad Investment"
It's not an investment. It's a banking system. Confusing the two is the most common mistake — and exactly what the financial industry wants you to do.
"The Returns Are Terrible"
Compared to what? The stock market's average includes years you'd have lost 40%. Cash value compounds every year without exception.
"The Fees Are Too High"
Run the numbers on your 401(k) fees, advisor AUM charges, and tax drag. Then compare. The answer may surprise you.
"Dave Ramsey Says It's a Scam"
Dave is excellent at getting people out of debt. His understanding of the banking function, however, stops at "buy term and invest the difference."
The Skeptic's Challenge
Read the Source Material
Don't trust us. Read Nelson Nash's "Becoming Your Own Banker." Form your own conclusions from the original text.
Run Your Own Numbers
Compare your current strategy side-by-side with the IBC approach. Use your own assumptions, not ours.
Ask the Hard Questions
What are the downsides? What's the worst case? We address these honestly because the concept survives scrutiny.
The Evidence Track
Every claim examined. Every number shown. Draw your own conclusions.
You Have Every Right to Be Skeptical
Whole life insurance has a terrible reputation. IBC sounds too good to be true. Here's why your skepticism is completely justified.
The Rate of Return Trap
IBC advocates say "don't focus on returns." But returns matter, right? Let's examine why this objection misses the point entirely.
Dave Ramsey's Missing Variable
Dave's math works — if you ignore the banking function. But what happens when you include the variable he never mentions?
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.
Still Skeptical? Good.
The best ideas survive scrutiny. Read the evidence. Run the numbers. Then decide.
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