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Financial Independence

What we’re taught about something is not always the complete truth.  How could it be if the ones teaching us were never taught those truths as well?

Sadly, we are often told only what “they” think we want to hear, and sometimes that may be all “they” know as well.  This section is dedicated to making sure you know the truth behind what we are taught about finances so that you have all of the facts, allowing you to make your own informed decisions. endorses the Infinite Banking Concept.

What is the Infinite Banking Concept?

The Infinite Banking Concept (or IBC as we’ll refer to it from now on) is actually not a new concept…it has a proven track record, has been around for decades, and involves leveraging the power and benefits of a solid financial instrument that has been around for hundreds of years.

Most people think that paying cash is the most cost-efficient way to make purchases. However, any purchase is financed…that is you are either paying interest on money borrowed (credit cards, car loans, mortgages, etc.) or you are losing interest when you use your capital (pay cash).

The Infinite Banking Concept solves both of these issues! By becoming your own banker, you can make tax-free loans to yourself for purchases and then pay yourself back just like you would if you secured a car loan or made purchases with a credit card, except that you are paying the interest you would be paying to someone else to yourself and increasing your bank’s value! Plus you don’t have to worry about qualifying for a loan, filling out tons of paperwork, providing tax returns, proof of employment or jump through any number of hoops!

Plus, if you need to skip a payment or defer your repayment for a while, there are:

  • NO harassing phone calls or letters from lenders
  • NO threat of foreclosure
  • NO negative marks on your credit score
  • NO repossessions

…and on and on….You are the banker and it’s YOUR money.

After all, that’s what Banks do…except they use your money to make loans (the money you deposit in their bank) and earn interest on your money! Have you really thought about that? You work hard to earn a decent living and provide for your family, and do the bank the honor of getting to hold your money for you; yet they pay you paltry (if any) interest and then turn around and lend it out to someone else and charge them 10x what they are paying you!

(If that doesn’t start to get your blood boiling, be sure to take a look at how “retirement” plans such as 401k’s and IRA’s stack up against The Infinite Banking Concept.)

What the Infinite Banking Concept is NOT…

The Infinite Banking Concept is NOT a “get-rich-quick-scheme.” As a matter of fact, it takes discipline, but if you are willing to commit to the system, the benefits are many and well worth it!

The Infinite Banking Concept takes time. Think of it as starting a brand new business. Usually, it takes 5 to 7 years, for the average business to recoup investment costs and begin to be able to enjoy the fruits of their labor (ie profit).

The same is true with the Infinite Banking Concept. Although your banking system could be ready to use in as little as 2 years, the longer your system is in place the more efficient it becomes and the more benefit you can derive from it.

And the more you use it, the more powerful it becomes.

Once your banking system is adequately funded it can become self-funding…which means there is flexibility to adjust your premium payments and even your loan repayments if necessary. Try that at your Commercial Bank!  However, once you understand the power and freedom of the Infinite Banking Concept and its amazing compounding of interest and dividends you’ll never want to stop.

Have a question? Ask an expert!

Our team of Infinite Banking Specialists are standing by to research and answer your questions.