Take the middleman out of your money—and keep the profit.
In the quest for financial independence, many of us yearn for effective ways to manage our finances and cash flow that surpass the limitations of traditional banking.
I’m Hannah Kesler, a second-generation Infinite Banking practitioner and your guide to mastering financial autonomy through the Infinite Banking Concept (IBC). This strategy isn’t merely about saving—it’s about fully controlling your financial life and ensuring your money serves you, not the other way around.
Control, Liquidity, Growth
The IBC is founded on the principle of becoming your own banker. This doesn’t involve opening a bank in the conventional sense. What it involves is a whole life insurance policy structured to maximize high immediate cash value—and your financial control. This insurance vehicle allows you to bypass commercial banks and government interference, so you can manage your funds independently.
The beauty of this concept lies in how your money is handled. By channeling your funds through a whole life policy with a mutually owned insurance company, your money earns uninterrupted, guaranteed compounding interest. Even more appealing is the liquidity this arrangement offers: You can access your money anytime for whatever you want without penalty—investments, purchases, services, or other financial needs. Control and freedom.
This approach also shields your assets. In most states, the cash value in your policy is safeguarded against judgments, liens, and lawsuits. Further, the growth in the policy is tax-free. You are not restricted by governmental regulations, and there’s no cap on what you can use the money for. The plan also includes a death benefit, ensuring that when the inevitable happens (your graduation date), your financial legacy is secure.
Your Money Works Twice as Hard
Consider a scenario in which you use the cash value to invest in a rental property. Not only does your money continue to accrue interest within the policy, but it also works for you in your real estate investment. This dual advantage—your money earning interest in both the policy and the investment—exemplifies how you can effectively have your money work in two places at once.
As a private lender myself, I am able to “double dip” on my money, always earning interest inside my policy and the interest earned from my borrower when I am loaning the money out.
A Mindset, Not Just a Method
IBC hinges on a critical financial principle articulated by Nelson Nash: You finance everything you buy. You either pay interest to someone else (bank finance) or forfeit the interest you could have earned otherwise (paying cash), a concept known as opportunity cost. While many recognize this in theory, few apply it to their financial practices. IBC challenges this oversight, offering a method that allows your money to remain continually productive and under your control.
Adopting IBC requires more than just understanding its mechanics; it demands a cultural shift towards personal financial empowerment. It’s about altering your financial mindset to fully use tools that foster independence. This education and application of IBC principles not only secures your financial future but also creates a robust foundation for future generations.
IBC isn’t just about choosing a financial strategy; it’s about initiating a movement towards self-reliance and proactive financial management. It empowers you to reclaim control over your financial affairs, ensuring your money effectively fulfills your personal and family goals.
For those interested in delving deeper into how to implement these strategies in your life, visit our website and watch our presentation on how, what, and why we practice this concept: www.themoneymultiplier.com/presentation. Click “Watch Brent Now.” Here, you’ll find a wealth of video resources, our podcast show, and information about our upcoming live events designed to educate and empower individuals like you on the journey to financial liberation. The Money Multiplier Method—a grassroots method of avoiding fractional reserve banking. Think about it.
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