What If You Were the Bank?

You’ve followed the money trail. You’ve seen the math.

67% of your income flows to financial institutions. Whether you borrow or pay cash, banks profit from every transaction. Inflation quietly steals purchasing power from your savings while banks earn 200x more than they pay you. Traditional retirement planning has no answer for accessing money when you need it.

The system is designed to extract wealth from working people and transfer it to institutions that control capital.

Now one question becomes obvious:

What if you were the bank?

The Hidden Solution

What if there was a way to:

• Earn interest instead of paying it?
• Stop losing money to inflation?
• Access capital without taxes or penalties?
• Keep banking profits instead of giving them away?

There is a way. It’s been hiding in plain sight for over 200 years.

It’s called the Infinite Banking Concept (IBC).

Nelson Nash, a forestry consultant who nearly went bankrupt paying 23% interest in the 1980s, discovered that whole life insurance can function as a private banking system.

The death benefit is just a bonus. The real power is in becoming your own bank.

How It Works (The Simple Version)

Step 1: You pay premiums to a whole life insurance policy Step 2: Your cash value grows guaranteed, tax-deferred
Step 3: You take policy loans when you need capital Step 4: You pay interest to the insurance company instead of to a bank Step 5: Your money compounds uninterrupted for your entire life

You become the bank. You control the capital. You capture the profits.

Solving What You’ve Learned

Remember Sarah from article one? 67% of her income flowed to financial institutions.

With IBC:

• Instead of paying Toyota Financial, Sarah finances through her policy for car purchases
• Instead of banks earning 200x on her deposits, Sarah earns the spread
• Instead of inflation destroying her savings, her cash value grows ahead of inflation
• Instead of retirement plan penalties, Sarah has immediate access through policy loans

Same expenses. Same needs. Different destination for the profits.

The Opportunity Cost Solution

Remember the silent partner from article two? Every cash purchase costs you the interest you could have earned.

IBC eliminates the silent partner:

• Take a policy loan for purchases
• Your cash value continues earning uninterrupted
• Repay the loan on your schedule
• You capture both sides of the transaction

Example: $28,000 car

Traditional cash: Lose $560/year in opportunity cost
IBC: Pay $1,400 loan interest, earn $1,200 on continuing cash value
Net cost: $200 vs. $560

Plus: The interest you pay flows to the insurance company’s general fund, benefiting all policyholders through dividends — not to Toyota Financial.

The Inflation Protection

Remember how savings accounts lose purchasing power? IBC has outpaced inflation for 150+ years.

Why: Mutual life insurance companies invest conservatively in assets that appreciate with inflation. Their profits get distributed to policyholders (you) as dividends.

Historical performance: 4-6% annual growth vs. savings accounts losing 2% to inflation annually.

The Retirement Banking Strategy

Remember the question nobody asks? “What’s your banking strategy?”

IBC provides the answer:

• Policy loans are not taxable income
• No penalties ever
• No required withdrawals
• No market timing risk
• Complete flexibility in timing and amount

Example: You need $30,000 for a roof.

401(k): Withdraw $38,461, pay $8,461 in taxes, trigger higher Medicare premiums
IBC: Take $30,000 policy loan, no taxes, no penalties

Same need. One solution costs 28% more.

The Real Power: Control

IBC isn’t about beating the stock market. It’s about controlling the banking function in your life.

When you control your own banking:

• Car financing profits flow back to you
• Emergency expenses don’t trigger penalties
• You’re the lender earning the spread
• Every financial decision improves your position instead of someone else’s

Over a lifetime, this compounds into hundreds of thousands of dollars that would otherwise flow to financial institutions.

Why Don’t More People Know This?

Banks don’t want you to know. IBC reduces their profits.

Financial advisors don’t teach it. Most haven’t studied it and earn fees from keeping your money in managed accounts.

It requires education. You must understand how it works, not just buy a product.

But wealthy families have used this strategy for centuries. Bank-Owned Life Insurance represents $156 billion on bank balance sheets. Banks understand it’s the safest, most profitable place to store capital.

Is IBC Right for You?

IBC isn’t for everyone. It requires:

• Long-term thinking (this is a lifetime strategy)
• Discipline (consistent premium payments)
• Education (you must read and understand)
• Capital (meaningful funding works best)

But if you want to stop transferring wealth to banks and start capturing it yourself, IBC might be exactly what you’ve been looking for.

It’s Not Magic

Nelson Nash didn’t invent anything new. He simply recognized how whole life insurance really works and systematized it into a banking strategy.

This isn’t a loophole or a hack. It’s how money works when you understand the system instead of being used by it.

It’s not “too good to be true.” It’s just unfamiliar because we’ve been taught to think like investors instead of bankers.

Your Next Steps

You’ve seen the problems with the current system. You’ve seen that IBC solves them.

What now?

1. Read the book: Becoming Your Own Banker by Nelson Nash. 97 pages. It will change how you see money forever.

2. If you’re skeptical: Good. Check out the Skeptical Path for proof and detailed mechanics.

3. Explore other paths: The Academy has paths for business owners, retirement planning, and advanced strategies.

4. Talk to a practitioner: Not an insurance agent—someone who understands the banking concept and can design a proper system.

This isn’t a sales pitch. It’s education about how money really works and how you can use that knowledge to build wealth.

The Choice

You have two paths:

Path A: Continue doing what everyone else does. Transfer 67% of your lifetime income to financial institutions through interest payments, opportunity costs, and inflation destruction.

Path B: Become your own banker. Control your own financing function. Earn the interest instead of paying it. Keep the banking profits for yourself.

Most people choose Path A because it’s what they’ve been taught.

But Path A is designed to make other people wealthy, not you.

Path B requires education and long-term thinking.

But Path B is designed to make you wealthy.

The choice is yours.

But now you can’t say nobody told you there was a choice.

Ready to Talk?

You’ve completed the Just Curious Path. If you want to see how these principles apply to your specific situation, Brad offers a free 30-minute intro call.

Talk to Brad — No pressure. Just answers.

Want to learn more? Start with Nelson Nash’s book Becoming Your Own Banker.

---

This is educational content only and does not constitute financial, tax, or legal advice. Consult qualified professionals for guidance specific to your situation.