Posts by Rachel Marshall
Infinite Banking Mistakes: The Human Problems That Derail IBC
“It’s not the math. It’s the mindset.” When Bruce recorded this episode solo, he opened with something we’ve learned after thousands of client conversations: the biggest Infinite Banking mistakes aren’t about policy illustrations or carrier choice. They’re about us—our habits, our thinking, and the quiet patterns we bring to money. I remember Nelson Nash repeating,…
Read MoreIncrease Your Savings Without Reducing Your Lifestyle
If you want to increase your savings, don’t start with your budget—start with your lifestyle.Your lifestyle isn’t about how much you spend.It’s about what you prioritize.It’s the visible result of invisible decisions—what you say yes to, what you say no to, and what you’re building quietly behind the scenes. Too many people let lifestyle be…
Read MorePremium Financing Life Insurance: Could Be Right, Sometimes Smart
Premium financing life insurance for estate planning is one of those strategies that sounds impressive—and sometimes is. But for most families, it introduces more complexity and risk than benefit. At The Money Advantage, we don’t lead with premium financing, and we rarely recommend it. But in a recent conversation with a client facing an eight-figure…
Read MoreHidden Money Traps: How to Recognize and Overcome the Sabotage Blocking Your Wealth
The Corvette and the $80,000 Lesson Have you ever made a money decision that felt right in the moment… only to realize later it pulled you further from your goals? You’re not alone—and you’re likely facing one of the hidden money traps that quietly sabotage even the most well-intentioned wealth-builders. Imagine this: You’ve worked hard,…
Read MoreInfinite Banking vs Index Funds: Why You’re Asking the Wrong Question
The Gas Station Story That Reveals a Common Money Mistake Let me paint a picture for you. You’re driving down the highway and see gas at $3.00 a gallon. Three miles later, you spot it for $2.97. You think, “Yes! A deal!” So you turn around, drive the extra six miles, and save… 30 cents.…
Read MoreHow to Choose the Right Life Insurance Agent for Your Financial Future
When Bruce came back from recording this episode of The Money Advantage podcast, he told me something that hit hard: He shared how frustrated he feels every time he hears about a family who loses a loved one without proper life insurance. Suddenly, their friends and community are scrambling to create a GoFundMe page just…
Read MoreCan You Use IUL for Infinite Banking
Have you ever heard someone say you can use an IUL for Infinite Banking? Maybe you’ve seen a slick video online, or a persuasive advisor with charts and projections that promise you higher returns, flexible premiums, and “upside potential.” It sounds convincing—especially when you compare the numbers on an illustration. Who wouldn’t want more cash…
Read MoreWhat Are the Risks of Infinite Banking? The Myths, Truths, and Real Concerns
When most people first hear about Infinite Banking, one of the first questions that comes up is: “But what are the risks of Infinite Banking?” It’s a fair question. We live in a financial world where we’ve been conditioned to look for the fine print, the hidden traps, and the potential downsides of anything that…
Read MoreIs Infinite Banking a Sales Tactic? The Truth About Taking Back Control of Your Money
“Is Infinite Banking a sales tactic?” It’s one of the first questions we hear—and it’s a valid one. When I first encountered Infinite Banking, I wasn’t looking for a new strategy. I was simply trying to find a better place to store cash. Like many families, Lucas and I were putting our savings into gold…
Read MoreMichael Cole on Wealth, Legacy, and the True Impact of Money
A Story That Changes the Way You See Wealth When Bruce and I sat down with Michael Cole for The Money Advantage Podcast, the conversation didn’t just scratch the surface of wealth management—it went straight to the heart of what wealth really means. Here’s a man who has advised families with an average net worth…
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