StackedLife - Authorized Infinite Banking

So many people are feeling the cash flow
crunch right now, and all the standard

advice tells you to sacrifice more, save
harder, tighten your belt even further.

But what if I told you the real
solution isn't about cutting back?

It's about taking control of the
money you're already spending.

Well, I've absolutely packed this
episode with practical strategies

to free up cash flow without
sacrificing your quality of life.

We will talk about why liquidity
gives you power, that status quo

investment tools like 401Ks never will.

And we'll go over how to capture future
income growth so that even if you got

a 0% rate of return on your money,
you'll end up millions of dollars

of ahead of the typical investor.

This is Stacked Life, the podcast
that teaches you everything you need

to know about The Infinite Banking
Concept, whole life insurance, and

the strategies that make it all work.

And I'm John Perrings, an authorized
Infinite Banking practitioner.

I've implemented IBC for hundreds
of clients and educated thousands

more via my top rated podcast and
financial resources at StackedLife.com.

This is a bonus episode, wrapping up a
four part series on the top challenges

people are facing to get ahead today.

So far, we've covered staying ahead of
rising prices, financial instability

and debt, employment and job market
concerns, and the challenges when

dealing with status quo financial
planning advice that isn't delivering

the outcomes people want or need.

We addressed some of these challenges
from a principles based standpoint

in those individual episodes,
but now I want to get practical.

What are some tangible things we can do
today, if we're feeling a cashflow crunch?

How do we actually save more,
create growth in our financial life

and really start to pull ahead?

As we get into this, let's get
to the root of the issue first.

And the root of the issue is that
people really lack control over

their money and their cash flow.

Traditional planning, prioritizes sending
money away to other people's financial

systems, which are the banks, Wall
Street, and government controlled plans.

It leaves people cash,
poor and vulnerable.

Not only when life throws a curve ball,
which we know happens from time to time,

but also when opportunities come up.

In the last episode, we talked about
the number one rule of investing,

which is "buy low, sell high." Yet
most people, because of the way that

their plans work, they're just plying
money into the market over and over

again, regardless of the timing.

And they never really have
the liquidity they need when

it's actually time to buy low.

And a lot of people talk about Warren
Buffet as the model of investing.

And Warren Buffet talked about this.

He's famously said that the best time to
buy is when there's blood in the streets.

Meaning, there's a massive sell
off and prices are very low.

But no one is really set up to take
advantage of opportunities like that.

When they come along.

They're so hyperfocused on whatever
the next investment is that they

can put their money into, they end
up putting themselves in a position

where they're highly illiquid.

And so they can't take advantage
of opportunities that come along.

And when I'm talking about
opportunities, I'm talking about

real opportunities that show up.

Real opportunities are often once
in a lifetime opportunities, and

most people cannot grab those
when those opportunities come.

I can speak for myself on this.

When I hit a crossroads in my career,
I had the savings built up because I

had actually already implemented The
Infinite Banking Concept in my own

life, before getting into this business.

I'd saved up a significant amount of cash.

And it allowed me to completely
change careers from tech into actually

doing what I do now, which is helping
people implement IBC for clients and

helping teach clients how this works.

When I shifted gears from tech
into financial services completely,

you know, changing gears in my
career, starting my own business.

For a long time I was a W2 employee,
and when you switch over into the world

where you are kind of, you know, sink
or swim, it's a pretty big change.

And, you know, one of the ways I was able
to make it, I, I would like to think I

would've been able to make it no matter
what, but there were some significant

challenges in, in that gear change.

Getting into this business and really
learning how to justify an income from it.

You know, my cash value life
insurance really helped me through

that period where, you know.

It, it was not automatic that income
was coming in, and now here I am in a

career that I love more than anything
else I've ever done professionally.

I love my clients.

It's, it's extremely rewarding.

I'm doing financially better than
I ever had, meaning I make more

money than I ever did in a W2 job.

And I have this really rewarding
personal life, you know, with my family

and my relationships, and I'm doing
exactly what I wanna be doing, and

here's why I'm bringing this up, this
big improvement in a huge part of my

life, which is my professional life,

how could I ever assign a rate of
return to something that changed my

entire life for the better forever?

You know, not everything is always about
the dollars and the percentages, right?

But even when it is, the real
opportunities that come along are

the opportunities that present
themselves because you are who you are.

You know what you know, you live
where you live and you know the

people that you know, they're usually
very individual, and it's not always

something you can necessarily predict.

It's really kind of like the
age old saying that luck is when

preparation meets opportunity.

And the preparation piece, when
we're talking about The Infinite

Banking Concept, the preparation is
capitalizing, being able to roll with

the punches, so to speak, but also
being able to actually do something

about a real opportunity when it arises.

Here's another perfect example.

One of my colleagues and friends
recently bought his dream ski cabin

in Aspen right off the lift, right off
the slopes, ski-in-ski-out situation.

And it's been his lifelong
dream to have a cabin like this.

And the only reason he was able to buy
it is because he didn't have to spend

the time trying to secure financing
like the other people had to do.

He had cash and he just paid as a cash
buyer all from his whole life insurance.

He had the cash within five business days,
bought the place while everyone else was

scrambling, going through underwriting,
and trying to get approved for financing.

He beat everybody else
out because he was liquid.

But it's also about
rolling with the punches.

You know, everyone puts the cart
before the horse looking for all

these exciting things like rates
of returns and cool new investments

and the next big thing and financial
hacks and all these other things.

Then when one thing goes wrong, they
either don't have the liquidity to

roll with the punches, so to speak,
and it blows the whole thing up anyway.

Or even worse, sometimes they've over
leveraged themselves and they don't

have the control over the payback terms,
and now it really blows everything up.

So where does this leave us?

The number one improvement we can make
to our financial lives is to really

try to wrangle back control over it.

And that's where the Infinite Banking
and whole life insurance comes in.

Whole life insurance is the cash
asset that gives us liquidity

and control over our capital.

The Infinite Banking Concept is the
process that we use to strategically

accumulate and deploy that capital.

One of the number one questions I get
asked is, how much premium should I pay?

And a lot of times people are trying
to find the money they need from

their existing cash flow to start the
process of strategically capitalizing

a whole life insurance policy.

So for the rest of this episode, I'm
going to share with you some practical

ways to free up existing cash flow so
that you can pay life premiums, either

without coming out of pocket at all, or to
supplement other cash flow to pay higher

premiums and build even more cash value.

Before I do that, if The Infinite
Banking Concept is something that's

been on your mind, but you've just been
looking for the right time to start

implementing it, maybe this episode
is all you needed to get started.

If that's the case, you can schedule
a free 30 minute consultation

with me right at StackedLife.com.

On this call, you'll get all your
questions answered, and learn

whether or not IBC is right for you.

And if so, what's the next
best step you can take?

Alright, first, let's talk about
retirement plans, 401Ks, IRAs, et cetera.

With these plans, you're really
subjecting your money to a lot

of rules in order to get to it.

Now we've been talking a lot about
liquidity and these are not technically

totally illiquid accounts, but the
penalties are so high to access them.

They might as well be for
all intents and purposes.

It gets back to the idea that if anything
goes wrong, the whole plan blows up

anyway because that money is really
supposed to be earmarked for the future.

And if you have to raid those accounts,
then that blows the plan up for what it

was supposed to do for you in the future.

I'll speak from experience here.

When I first started working in the
late nineties, the DotCom bust came

around pretty quickly early on in my
career, and I had to raid my 401k to

get the money that I needed to live on.

You know, again, my, my
background is in tech.

I worked at tech startups for years.

And those are usually the first companies
to start feeling pressure when money

dries up during a market correction.

A lot of the employees at startups or
some of the first people to get laid off.

So I've experienced all these things.

I know exactly what it means to
have to dive into those accounts in

order to get the cash that you need.

And once you do that, you lose all
the growth on that money forever.

I talk to a lot of people every
day, and most of the time their

main savings vehicle is their 401k.

They might have a little bit of money
sprinkled in some other investments or

in a savings account or whatever, but the
main thing that they have is their 401k.

And a lot of times they're not saving
a whole lot over the 401k contribution.

So let's take a look at that 401k
from a cashflow perspective, what

is that 401k actually doing for you
today to help keep you liquid and

maintain control over your capital?

What does that 401k or IRA
doing for you right now?

And a lot of people say it's a forced
savings, which it, it kind of is.

But again, you have this forced savings,
so to speak, and when you really need it,

you have to go raid that forced savings
and spend it in order to pay the bills.

The other thing people say
is they get a tax deduction.

And so let's just address that really
quickly while we're on the topic of 401Ks.

What you get with a standard
401k or IRA is not a tax

deduction, it's a tax deferral.

It's true that you don't have to
pay the tax on the money that you

contribute, but you're also losing
access to that money that wasn't taxed.

So the financial institutions get
to hold onto that money and you're

gonna pay the taxes on it later.

So if you don't like paying tax on that
money, now you like that tax deferral.

How much are you going to
like paying on that tax later?

Especially when you want that
money, maybe for retirement income.

And this is the conventional financial
planning thing where people tell you, you

get a tax deduction, but you don't get
a tax deduction, you get a tax deferral.

Meanwhile, your money is locked up in 401k
jail and you can't touch it for 20, 30,

maybe even 40 years, unless you pay the
tax and you pay that nice 10% penalty.

This money is really doing
absolutely nothing for you today.

So where else could you put that
money where you might get the same

tax treatment or even better, maybe
more more like a Roth IRA, where the

after tax money goes in, it grows tax
deferred, but you can get to it tax free.

And the answer of course
is whole life insurance.

You're here listening to this
probably because you're interested

in The Infinite Banking Concept.

So we're talking about
whole life insurance today.

If we want to get control and we're
struggling with cash flow, why not

redirect that cash flow from places where
it removes control from our financial

life and put it into a place where it
increases control over our financial life?

Not only does it increase control,
but it also protects our family.

If anything were to happen to us
prematurely, like a death or a disability.

Whole life insurance is kind of like a
Swiss Army knife of financial products.

Why not redirect that money,
even if it's just temporarily

while things are feeling tight,

redirect some of that money into
a place where you can control

it and you can get to it.

There are ways to design the policy
where you can redirect that 401k money

into the PUA portion of a policy.

As I'm putting the final touches on
this video, I realized I wasn't speaking

very clearly right here, and I just
wanted to make sure it's very clear.

You cannot redirect money from a
401k into whole life insurance.

What I was trying to say here is you
could redirect the cash flow that was

meant to go into your 401k and instead
send it to whole life insurance.

And when you do that, that money's
basically a hundred percent liquid

and you can get to it if you have
an emergency and you can get to

it if you have an opportunity.

And because you can get to it
when you have that opportunity.

Couldn't you conceivably use that cash
value via the policy loan provision

to buy other investments that you
actually have control over and get

the growth that you would've gotten in
the 401k anyway, if not even better.

One of the ideas here is
you could contribute to your

401k only up to the match.

You know, if you get a company match
where they actually match the amount

you're putting into the 401k, you could
take a look at what that maximum match

is and you can contribute just up to
that so you can get that so-called

"free money." Then anything over and
above that match, redirect that into

your whole life insurance policy,
especially into the PUA piece of it.

Or if you're like me, I don't want
any of my money out of my control.

So I forego the match altogether because
I know that I can deploy my capital in a

much more efficient manner, where match
is really not that big of a deal to me.

By the way, you can go to my website,
StackedLife.com, and in the video

section, look for the video about the
truth on your 401k, where I really

do a deep dive into the numbers.

And you can see that that match really
doesn't do as much as you think it does.

So here's another thing you
could consider, which has more

to do with the timing on when
you contribute to your 401k.

You could look at implementing something
that we like to call a 401k delay.

And if you're looking at capitalizing
and creating a pool of capital, but

you really believe that a 401k is
something that you want in your financial

life, you could look at just delaying
when those contributions happen.

And the principle behind
this is that with a 401k.

We know we can invest in a
401k today, tomorrow, 10 years

from now, 20 years from now.

You know, obviously depending on
how old you are, but you can pretty

much always contribute to a 401k.

What we don't know is whether or not you
can always qualify for life insurance

because it's based on your life.

You have to qualify with
your age, health, and wealth.

And since we unfortunately never get
any younger, the best time to buy

life insurance if you're in the market
for it is while you're still young.

So why not qualify for a whole life
insurance policy and lock that in at

the very best time, which is today?

And instead of your contributions
going to your 401k, for a period of

time, maybe three to seven years, we
redirect those cash flows to paying

the premium of your new whole life
insurance policy or even an existing one.

Two things will happen
during this delay period.

Number one, the policy will have become
more mature and if desired, you could

drop the PUA portion of that and just
make the base premium payments, which at

that point are typically more efficient
than the PUA payments, believe it or not.

Now you can take that cash
flow and now you can start

contributing to your 401k again.

The other thing that happens is your
income tends to increase as time goes on.

And quite often when we illustrate this
out, people's income will have increased

to a point where they can pay some
or even all of the insurance premium,

and they can start to contribute to
the 401k, possibly even maxing it out.

And so this is a pretty powerful forced
saving strategy that gives you a lot

more liquidity and a lot more control.

The second strategy we could
look at involves your mortgage.

This is kind of the same thing
as your 401k in some ways.

Your, your home is an asset that
you own, but it's not necessarily

an asset that you control.

Until you have that mortgage fully
paid off, the bank really controls

that asset, and what I see happening
is people contribute more than what

their mortgage, payment requires.

They pay down the principle
of the loan faster.

Sometimes it's called pre-paying your
mortgage in order to not only pay the loan

off faster, but they're also taught that
they can save on those interest dollars.

And, and that's true by the way, you do
save on the interest of your mortgage

when you make additional payments towards
that mortgage, additional principal

payments, but especially for people that
purchased a home in like in the last

10 or 15 years when interest rates were
really coming down or maybe you even

refinanced into a lower interest rate.

I see a lot of people with, you know,
sub three mortgage interest rates.

And you've gotta ask yourself the question
is paying down the principle and saving

on, call it 3% interest, is that really
the best thing you could be doing with

those extra dollars that you're using
to make those additional payments?

The way I describe this is when you're
making additional payments, when you

pay extra on your mortgage and using the
example, if you have a 3% mortgage, that's

a 3% job that you're giving that dollar.

So the question you have to ask
yourself, can I do something

where the job is better than 3%?

So just as an example, if you put
that extra dollar into whole life

insurance, instead you'd be giving
that dollar a four or maybe 5% job,

depending on your age or health.

And over that same 30 years, assuming a
30 year mortgage, the math proves this

out, doesn't, by the way, it doesn't
matter if it's a 15 year mortgage,

if it's over the same time period.

There's just no question that over
that same time period, you might be

done paying the mortgage sooner, and
you might have saved a little bit of

interest, but you could have been giving
that money a 5% job instead of a 3% job.

And assuming the same rates of return,

You'll come out way ahead over
that, over that time period,

putting your money into that 5% job.

That's just how the math works, and a
lot of people are surprised by that.

Now you will have paid more interest
on your mortgage, but the fact that

you're getting a higher return on those
extra dollars that you're giving a

better job to you will actually come
out ahead and it will create more value

for you over that same period of time.

Now, the rates of course matter on
this a little bit, but the idea is that

we want to get some more liquidity.

We want to get some more control.

So maybe it's not whole life insurance
that you put your money into.

The idea though is that every time
we make an additional payment towards

the principal of our mortgage,
that money gets kind locked away,

proverbially in the walls of our house.

If you think about it, you don't really
have control over that extra dollar

that you put there because what it
does is it builds equity, but it has

absolutely nothing to do with the value
of your house or anything like that.

It's just building more
equity in your house.

To get to that equity, you first
have to get the permission from a

bank or some other type of lender.

So why not take those extra dollars
you're putting towards paying down

your mortgage faster and put that into
something that will actually create

control, create liquidity, and then
allow you to further deploy that capital

to create growth outside of your house.

Now there is another side of
this discussion and sometimes

people just really don't want
to be beholden to the bank.

They really want to get
out from under that loan.

And I would argue that until the
house is completely paid off, the

more equity you build in the house,

it puts you in a worse
position with the bank.

The banks don't want to hold
your real estate, they just

want to get their money back.

So if you have a decent amount of
equity built up and then you start

missing payments because you don't
have any liquidity, 'cause you

put it all into paying down your
mortgage, you might actually be

in a worse position with the bank.

It's an easier decision for
them to just fire sale the

house and get their money back.

So it's a little bit counterintuitive, but
paying off your house, the more it's paid

off, actually probably the worst position
you're in to negotiate with the bank.

So.

What's, what's a better scenario?

Is it better to have the ability to
make a payment if you're, if you are

having trouble and might miss one
where you have some cash to fall back

on and actually make that payment?

Or is it better to lock all your
money away in the walls of the house?

And then if you have trouble
making a payment, now you're

subject to the whims of the bank?

I would argue that you'd be
in a much better position.

If you're highly liquid and you come
across a period of time when you're having

trouble making your mortgage payment,
you can fall back on your cash value,

cover yourself to make those mortgage
payments, and then you can pay your policy

back and never having lost the growth
on that cash value all along the way.

Alright.

Now let's look at a
different type of debt.

Mortgage isn't the only type of debt
people make additional payments to.

If you have a bunch of high interest
credit card debt, that's something that

people also make additional payments to.

So if you're doing something like a
debt snowball, for example, and you've

got high interest debt that you're
paying off and you're making additional

payments towards that debt to pay it
off faster, that's a valid strategy.

But it may not be the only strategy.

So let's take a look at this
credit card debt, and let's say

you've got credit card debt at 20%.

Every time you make additional
payments towards paying down that debt,

that's basically like a 20% return.

But the problem with paying off debt
and making additional payments over a

long period of time is that you're still
negatively affecting your liquidity

and negatively affecting the control
you have over your financial life.

It is more efficient to pay debt directly,
especially if it's high interest debt.

However, you can also look at using whole
life insurance as an intermediate step.

It is slightly less efficient, but
it introduces an element of liquidity

and control back into your life,

and it's still a massive, massive
improvement over paying 20% debt.

What you could do is instead of making
additional payments towards your credit

cards, you could use that cash flow
to fund a life insurance policy and

then use the policy loan provision to
take a policy loan, let's call it a

5% policy loan, to pay off 20% debt.

That's a massive improvement on what's
going on, and by the time you're paying

off all that debt, including your policy
loan, you now at the end of all that, you

have a bunch of cash that you're sitting
on rather than prioritizing paying all

this debt, and by the time you're done
paying off of all the debt, you don't have

anything and you're starting from zero.

I think that's the number one problem
with some of these debt payoff strategies.

You don't have anything at the end of it.

A lot of times if one thing
goes wrong, you just end up

going back into debt again.

By using whole life insurance as a
strategy and using policy loans to pay

off high interest debt, you could stop
funneling money into the extra payments on

your credit card, because once that money
goes to them, it's up to them whether

they want to keep you as a customer.

I'll use myself as an example.

Again.

I was in college and walked by one of
those little sign up tables where they're

happy to sign up college kids with
no credit history into a credit card.

And I had this credit card for
years, by the way, and I had a

balance on it for a long time.

And then I paid it off and then I'll go
back to my DotCom timeframe, because

of all that stuff that I mentioned
during the DotCom bust, I racked up a

little bit of a balance on it again,
and you know, so anyway, I've been

paying this thing off for years and I
finally worked it down to zero balance.

Then something else happened because I
prioritized paying off the credit card.

I didn't have any cash to roll with
the punches, and I put a balance back

on it again, and I paid it off again.

And then they canceled my card.

And what happened was I prioritized
paying off that card and when they

canceled it, it was no longer a place
where I could go to access cash because

I didn't have control over that source.

Paying that off actually hurt me cashflow
wise because I wanted to pay it off

and stop paying the interest, thinking,
okay, I'll pay off the card and I'll

still have that credit just in case I
needed, you know, if anything happened.

But then they canceled the card, closed
my account as, so I lost that source

of liquidity, which was not good for
me at that particular stage in life.

So instead of sending money to the
credit card companies where they can

just close your account if they want to,
why not send those extra payments that

you don't have to make over and above
the minimum payment and send it to whole

life insurance where you have control.

Then we just use policy loans to
strategically pay those credit cards down.

I have a whole system and software
that I use to help map this out.

If it's ever of interest to you,
get ahold of me and we can map out

an entire debt payback strategy
using whole life insurance to get

you out of high interest debt.

Here's another place where we
can free up some cash flow.

529 plans.

People are putting money into these
college savings plans with all these

restrictions on how the money can be used.

What if your kid doesn't go to college?

What if they get a scholarship?

What if they need money for something else
be, you know, when they're 18 years old?

Again, that's cashflow that's
going away from you and

there's strings attached to it.

Instead, you could fund a whole life
insurance policy, and if you need

the money for college, it's there.

If you don't, you still have that capital
for whatever you want to spend it on.

You're not subject to other people's rules
for all that money that you saved up.

So there's your college savings.

That was a quick one.

Here's another angle.

Let's talk about property taxes.

If you have annual property taxes
due, and you're saving money for

those property taxes anyway, you
could divert that cash flow from your

property tax savings and use it to pay
premium on your life insurance policy.

Then at the end of the year, you use a
policy loan to pay your property taxes.

Instead of the next year, just saving up
all over again only to then just spend it.

You can save up again by paying off
the loan you created to pay your

property taxes the year before.

Now you've freed up that capital all over
again to pay your next property tax bill.

What's happening is your cash value
is going to continue growing and

compounding on the total amount.

Meanwhile, you're only
borrowing the amount that your

property tax is every year.

So over a period of time, the growth
of your policy starts to outpace what

you're using in policy loan interest
every year to pay your property taxes.

This can be an easy way to find premium
dollars that can be used to better

capitalize your system over and above just
saving up and spending every single year.

This last piece that I'm going to go
over can be super powerful for anybody.

Let's say there's nothing
you can eke out right now.

You're not contributing to a 401k,
you're not making additional payments

to your mortgage or your credit card.

You're not contributing to a 529 plan.

You're not paying your property taxes,
or I should say you don't have a

property tax bill that you have to pay.

You wanna pay your property taxes.

Let's just say you're really just
maxed out in terms of cash flow.

Well, there is one thing that we can
count on, and that's typically everyone's

income will increase over time.

So at the very least, most people will at
least get a cost of living wage increase.

But even more likely, of
course, promotions will happen.

You'll move on to new companies,
maybe you'll even start a business and

income will tend to grow over time.

So even if we don't necessarily have
anything we can do today to really

start diverting cash flow to a place
where you know it can do more for us,

we can actually still plan for tomorrow.

We can start keeping track of our
cash flow and more importantly,

start keeping track of the growth
of our expenses in the future.

The typical way that people try to
address cash flow or a cash flow

crunch, regardless of your income
bracket is a lot of times we're taught

to go on a financial diet, so to speak,
in the form of a budget where you

sacrifice your quality of life today.

And if you're living paycheck to paycheck
right now or struggling to really

save, it's really not a great option.

It really just ends up being kind of
a short term thing where you try to

do it and then something comes up and
you're not able to do it anymore and

you're just kind of on this cycle and
you usually end up giving up and you

end up just being a bad spender anyway.

Your standard of living right
now is your standard of living.

So a better way to do this is not
to try to change anything today.

If you can change what you're doing today,
that's great, but if you can't, what

we want to do is make sure that we're
capturing the difference in the future.

What normally happens to people is as
their income increases, their expenses

tend to increase at the exact same rate.

And the difference between their income
and their expenses never changes.

And what we wanna do is we
wanna try to capture the

savings inside that difference.

But if you have no difference
right now, meaning you can't save

any money, it's highly likely that
that will continue into the future.

And this is why I've introduced
the cashflow management system

called Currence into my practice.

And what Currence does is it
allows regular people like

you and me to consciously save
rather than unconsciously spend.

And what we're able to do by using
Currence is slow the increase of our

expenses in the future without making
any changes to our lifestyle today.

We don't have to slash our costs today,
and we don't have to eliminate the

growth of our expenses, but we just
want to slow it down and not let it

grow at the same rate as our income.

By doing this, we can redirect freed
up money so that we can start deploying

that money in ways that create more
income for us, and then it just builds

and builds and builds from there.

What ends up happening is when people
implement Currence in their life, they

find that they're saving like 300 to
600% more than the average American.

And by being able to save more,
then we can buy more growth

assets, which creates more income.

And even though the percentage of
our spending, is less than what

we originally had, the dollars that
they can spend because they have

more income grows significantly.

So their lifestyle actually improves.

Their spending rate might be less,
but their spending dollars are more

because they're saving way more and
now and they're creating more income.

Everything improves because
everything starts from your cash flow.

This is the thing we want to do.

We wanna start looking at processes,
not necessarily investments or

products or things like that.

We want to operate with a process in mind
and not just chase the next investment.

Once we have the process in place,
it doesn't matter as much what the

individual investments are because as
Nelson Nash said in his book, Becoming

Your Own Banker, when you have cash
opportunities have a way of finding you.

So rather than just searching for
that next thing you can just put

money into without thinking about
it, if you have money, you'll almost

definitely come across opportunities
that you don't even really have to try.

All right.

I hope this really helped you guys.

If you find these principles are
resonating with you and you'd like

to learn more about how they might
apply in your life, specifically,

schedule a free consultation with me.

I'll take you through a short assessment
and we can see how The Infinite Banking

Concept might benefit you, and if so,
what the next best step you can take.

See you on the next one.