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Compared to What?

"Compared to what?" is the most important question in economics. You can't evaluate IBC in a vacuum — you have to compare it to the alternative.

"Everything in life is a comparison. The question is never 'Is this good?' — it's 'Compared to what?'" — Nelson Nash

IBC vs. 401(k)

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The complete comparison: what the retirement industry won't tell you about sequence of returns risk, the tax deferral trap, and why banks use whole life.

IBC vs. Real Estate Investing

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They're not competitors — they're complementary. Here's how IBC can finance your real estate portfolio.

IBC vs. Buy Term & Invest the Difference

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Dave Ramsey's favorite strategy. Let's examine what it actually means — and what it costs.

IBC vs. IUL (Indexed Universal Life)

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Why IBC specifically requires whole life, not indexed universal life. The differences are fundamental.

IBC vs. Savings Account

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What if you just kept your money in a high-yield savings account instead? Let's compare the full picture.

IBC vs. Doing Nothing

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The most important comparison of all. What's the cost of leaving the banking function to someone else?

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