Fear, uncertainty, and doubt around whole life insurance keep people stuck in analysis paralysis, unable to move forward with Infinite Banking, despite its proven track record. But understanding where this "FUD" comes from and why it's largely overblown helps us understand that it's actually really hard to mess up a whole life insurance policy.

More From John:

1. Get a free one-on-one Financial Assessment

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3. Free mini-course: Supercharge Financial Growth with Whole Life

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About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
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Topics Discussed:

• (00:00) - 024 Why you're hesitating on whole life (and how to stop)
• (01:10) - Generations of Status Quo Financial Thinking
• (04:48) - Information Overload & Finding the Right Advisor
• (08:45) - IBC Hype and Sensationalism
• (12:44) - Philosophy vs the Math
• (17:02) - Policy Design Concerns
• (19:48) - High Early Cash Value Trade-offs
• (22:47) - Policy Lapses & Wrong Products
• (26:12) - Finding an Advisor You Like and Trust
• (27:48) - Agent Commissions
• (33:41) - How Much to Pay & What to Do With Your Policy
• (36:22) - Simplicity & Next Steps

Most people struggle to free up cash flow because traditional financial planning locks their money away in illiquid accounts and debt payoff strategies, leaving them vulnerable when opportunities arise and unable to capitalize on the moments that matter most.

More From John:

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

Topics Discussed:

• (00:00) - 7 Cash Flow Shifts to Fund Infinite Banking
• (00:26) - Why Liquidity Gives You Power
• (01:51) - The Root Issue: Lack of Control Over Money
• (03:26) - Real Life Example: Career Change Opportunity
• (05:38) - Preparation (Capitalization) Meets Opportunity
• (06:33) - Rolling With the Punches
• (07:28) - Whole Life Insurance: Liquidity and Control
• (08:08) - Strategy 1: Retirement Plans (401k/IRA)
• (10:30) - The Tax Deferral Reality
• (12:31) - Whole Life as the Swiss Army Knife
• (13:40) - Contributing Only Up to the Match
• (15:14) - Strategy 2: a "401k Delay"
• (17:00) - Strategy 3: Your Mortgage
• (19:19) - Giving Your Money a Better Job
• (20:37) - You Don't Control Home Equity
• (22:10) - Strategy 4: High Interest Debt
• (24:14) - Using Policy Loans to Pay Off Debt
• (25:59) - Strategy 5: 529 College Savings Plans
• (27:02) - Strategy 6: Property Taxes
• (28:12) - Strategy 7: Capturing Future Income Growth
• (30:05) - The Income-Expense Gap
• (30:45) - Currence Cashflow OS
• (32:09) - Focus on Process, Not Just Investments

Conventional financial "planning" is a misnomer: it relies on an unstable foundation of market variables, gives up control, and follows the herd. Learn three timeless principles of a financial strategy based on certainty and control that allow you to stop chasing risk and build your own banking system.

• (00:00) - Introduction: The Flawed Foundation of Conventional Financial Planning
• (01:18) - The Problem with Variables-Based Planning
• (03:42) - The Herd Mentality and Market Bubbles
• (06:14) - Sequence of Returns Risk and Market Volatility
• (08:04) - A Principles-Based Approach to Financial Planning
• (09:08) - Principle One: You Finance Everything You Buy
• (10:16) - Principle Two: Building Your Financial Foundation First
• (11:41) - Principle Three: Controlling the Banking Function
• (13:08) - How Whole Life Insurance Creates Your Foundation
• (14:20) - Strategic Capital Deployment and Leverage
• (16:05) - Join my Infinite Banking 101 Webinar

High-interest debt can feel like an impossible treadmill. This episode explains why traditional debt payoff strategies often leave you broke and vulnerable, and reveals a powerful method to eliminate debt while simultaneously building your wealth and income.

Topics Discussed:

• (00:00) - Stop Prioritizing Debt
• (01:59) - Negative Impact on Longer Loan Terms
• (03:49) - The Economics of Debt
• (04:57) - The Biggest Challenge with Conventional Debt Advice
• (05:33) - Command Debt with Infinite Banking
• (06:28) - Infinite Banking to Pay Off Credit Cards
• (07:19) - Get Compound Growth While Getting Out of Debt
• (08:04) - Conventional Financial Advice Keeps You Trapped
• (08:58) - Don't Make Extra Payments on Low-Interest Mortgage Debt
• (11:59) - After Debt is Paid, Now We Have a Bunch of Cash
• (12:39) - 4 Keys to Getting Ahead

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

Conventional financial advice tells you to take on risk in the hopes of "outpacing" inflation and rising prices. But this often reduces your cash flow today and makes the problem even worse. This episode breaks down how to combat the struggle of rising prices by using the Infinite Banking Concept to control your capital, use safe leverage, and build new, reliable streams of income.

Topics Discussed:

• (00:00) - 20: Beat Rising Prices with IBC
• (01:31) - Why Trying to Outpace Inflation Doesn't Work
• (03:08) - Infinite Banking
• (04:05) - Safe Leverage with IBC
• (05:17) - Using IBC to Combat Inflation with More Income
• (06:26) - Practical Examples of IBC Producing Income
• (08:34) - 3 Steps to Never Worry About Rising Prices

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

In this episode, I'm talking with my StackedLife colleague, Adrienne Patel, about her journey as a business owner and real estate investor. We talk about how the Infinite Banking Concept (IBC) accelerates those endeavors and helps to create multiple income streams for her and her family. You'll hear practical tips for getting started, planning for retirement, and leveraging IBC for business growth.

Topics Discussed:

• (00:00) - 019 - Business Owner & Investor Becomes IBC Practitioner
• (13:20) - Real Estate Investing
• (14:25) - Starting Small with IBC
• (35:42) - Creating Multiple Income Streams
• (39:35) - IBC for Business Owners

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

Weekly Webinars by Adrienne:
1. Infinite Banking for Business Owners

2. Infinite Banking for Real Estate Investors

4. Increase Retirement Income by 50% with Whole Life Insurance

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

Many people get caught up in the financial tactics that sometimes go with Infinite Banking, but they overlook the unchanging principles that make strategies sustainable.

This leads to reactive decisions and vulnerability when markets shift, leaving them without control over their money.

Topics Discussed:

• (00:00) - 18: Stop Chasing IBC Tactics
• (00:45) - Starting Over After Market Crashes
• (01:51) - Principles vs. Tactics in IBC
• (03:29) - Core Principle: Control
• (06:43) - Core Principle: Leverage
• (09:23) - Core Principle: Liquidity
• (11:10) - Mindset and Long-Term Thinking
• (16:45) - Get a Free Assessment to See if IBC is Right For You

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

Whole Life insurance premiums are not as "locked-in" as people sometimes fear. Listen in to learn how to scale premiums down during a cash crunch and, more importantly, scale premiums up to accelerate growth. Especially important topic for those implementing The Infinite Banking Concept.

Topics Discussed:

• (00:00) - 017 How to Scale Premium Up and Down
• (01:51) - How I Have Used Whole Life Flexibility, Personally
• (03:26) - Comparing Whole Life Insurance to Other Insurance
• (04:07) - Setting the Stage for Flexibility
• (06:07) - Scale Down PUA Premium
• (08:52) - Using Policy Loans to Pay Premium
• (10:13) - Premium Offsets to Pay Premium
• (11:03) - Scale Up PUA Premium Payments to Accelerate Growth
• (11:40) - Balanced Policy Design vs. Maxed Out PUA
• (13:38) - Conclusion and Next Steps

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com