Privatized Banking

A few weeks ago, something special happened as we kicked off a podcast recording—Joe DeFazio held up a first edition copy of Becoming Your Own Banker by Nelson Nash. It had just arrived in his hands, passed down like a sacred trust. We weren’t in the same room, so Bruce and I couldn’t flip through…

Let me tell you a quick story. Imagine walking into your local grocery store, grabbing a can of peas, and sneaking out the back door without paying. It sounds ridiculous—maybe even unethical, right? Now, imagine the opposite: You pick up the same can, go to the register, pay for it, and walk out the front…

It started with a bold question that showed up in a public comment: “If infinite banking is so powerful, why wouldn’t I just put all my income into a whole life policy?” That single comment sparked a deeply layered, thoughtful conversation that we knew needed more attention. It wasn’t criticism. It was curiosity. And curiosity,…

Recently, Bruce shared a story that perfectly illustrates unexpected life challenges—his basement flooded, turning a peaceful Easter weekend into an emergency cleanup session. Just as unexpected problems can flood your home, unanswered financial questions can flood your business strategy, especially questions like: “Can you deduct life insurance premiums?” Tax questions, much like sudden home repairs,…

The Infinite Banking Concept is a financial strategy, first codified by R. Nelson Nash, that uses high-cash-value, dividend-paying whole-life insurance so policyholders become their own bankers. They store savings, earn guaranteed growth and tax-deferred dividends, and then can borrow against the policy’s cash value. This creates a powerful system where YOU control your capital, not…

Interested in finding out how to start a family bank? Today, Bruce and I talk with our friend and colleague, John Moriarty, Founder and President of e3 ConsultantsGROUP. You’ll hear about his personal and business use of Infinite Banking, and the thinking behind a growing and evolving system of policies. John is smart, business savvy,…

Do you want to build a family banking system that will provide capital to you and future generations? Come see behind the scenes as we talk about our Marshall Family Bank in real-time. Today, we discuss why we added another whole life insurance policy, how our cash value is growing, and our vision for using…

Bruce Wehner discusses the primary components of infinite banking policy design: base premium, paid-up additions riders, and term riders. Following the principles laid out by Nelson Nash in Becoming Your Own Banker, we review the concepts for designing a whole life insurance policy for the Infinite Banking Concept. When Bruce’s father took out a whole…

Have you heard about Nelson Nash’s Infinite Banking strategy, and how to become Your Own Banker, and want to learn more? Or maybe you’re already using Infinite Banking, but would like to explain it better. Today, we’re unpacking the truth about the Infinite Banking Concept and the strategy of using life insurance policy loans. If…

Today, Bruce and I want to unpack a question we frequently encounter: Is cash value life insurance enough for retirement? It’s a compelling question, but one without a simple yes or no answer. The effectiveness of cash value life insurance as your primary retirement vehicle heavily depends on your personal discipline, your overall financial strategy,…