Who really controls the money?
In Episode 21 of the Becoming Your Own Banker series, we take a 30,000-foot view of money, banking, and control. Nelson Nash teaches that there is one pool of money in the world — constantly flowing through individuals, families, businesses, and banks — and the banking business exists to control that flow.

Most people never stop to ask how much of the banking function they actually control as it relates to their own needs. In this episode, we explore cash flow, the illusion of control, and why money always finds its way back to the banking system unless families intentionally keep that function at home.

This conversation lays the foundation for becoming Bankless by Design.

📘 Referenced Book: Becoming Your Own Banker by R. Nelson Nash
🎙️ Series: Becoming Your Own Banker® (Episode 5)

Most people hear about the Infinite Banking Concept™ and jump straight to the policies, the numbers, or the rate of return… but that's not where the concept begins. In fact, the most important part of Becoming Your Own Banker is the chapter almost everyone skips: the Introduction.

In this episode, Tricia Miller and her son Jonathan walk line-by-line through the introduction of Nelson Nash's classic book so you can finally understand what Infinite Banking really is, what it is not, and why many people misunderstand it.

If you're trying to get clarity on IBC, whole life insurance, or how to take back control of your financial life, this episode will give you the mindset shift that makes everything else make sense.

• Why the introduction to Becoming Your Own Banker is the key to the entire concept
• What Infinite Banking actually teaches (and what it does NOT teach)
• Why your need for financing is greater than your need for protection
• How whole life insurance becomes a family banking system
• What "recapturing interest" really means and how it works
• Why mindset—not math—is the biggest barrier to understanding IBC
• How properly structured policies unlock financing power
• Why most advisors, agents, and consumers misunderstand Infinite Banking

In today's episode, Jonathan and I unpack one of the most important — and rarely questioned — financial topics: Are 401(k)s and other tax-qualified plans actually helping you, or holding you back?

Using page 85 of Becoming Your Own Banker, we explore:

• Why tax-qualified plans were created

• The hidden trade-offs behind "tax breaks"

• How inflation and taxation impact long-term savings

• The dangers of having your money locked up until age 59½

• Why you bear 100% of the risk while the government shares the reward

• What happens when you need liquidity but your dollars are inaccessible

• The difference between dollars and capital — and why it matters

• How families can store wealth in a place that is liquid, controlled, and generational

This conversation is rooted in stewardship, responsibility, and helping families take back control of their financial lives. It's not about fear — it's about understanding the system and choosing to operate differently, with intention.

Thank you for listening and walking through this series with us.
If this episode brought clarity or encouragement, please follow the show, leave a review, and share it with someone who needs it.

Let's rethink retirement, reclaim financial control, and build generational wealth — on purpose.

In this opening episode of our Becoming Your Own Banker series, Jonathan and I explore what it means to rethink money in a world where most families feel trapped in the rat race.

We talk through the first "Points to Consider" from page 85 of Nelson Nash's book and discuss:

• The difference between people at work and money at work

• Why most modern families feel overwhelmed and financially stretched

• How inflation, the cost of living, and cultural expectations shape our financial choices

• What passive income really is (and isn't)

• How a dividend-paying whole life policy becomes the first step to reclaiming control

• The importance of intentional living, long-range planning, and generational thinking

• Why starting your own banking system is more accessible than most people realize

This episode lays the foundation for the entire series.
If you're ready to think differently about money, regain control, and build a family-centered system of stewardship, you're in the right place.

Thank you for listening.
If you enjoyed this episode, please follow the podcast and share it with someone who would benefit.
Together, let's rethink money — and live intentionally, on purpose, for generations to come.

In this special episode, I sit down with my youngest son, Jonathan Miller, for an honest conversation about money, growing up as the youngest of seven, and how his understanding of money has changed over the years.

Jonathan shares:

• What money felt like from a youngest-child perspective

• How our family's financial challenges shaped his early beliefs

• Why he decided to start his own Infinite Banking System

• The story behind his Lego side hustle and entrepreneurial spark

• His hopes for the future, what he's learning, and what he wants other young people to know

This episode is your introduction to Jonathan as we prepare to walk through Becoming Your Own Banker together—mother and son—chapter by chapter in the coming weeks.

Whether you're a parent, a young adult, or simply curious about passing stewardship and legacy to the next generation, this conversation will give you a heartfelt look at how Infinite Banking can shape a family across ages and seasons.

Come join us on this multigenerational journey.

In this special episode, Tricia joins the Infinite Banking Initiative Podcast—hosted by Nelson Nash's son-in-law, David Stearns, and his granddaughter, Leigh Barganier—for a powerful conversation on control, stewardship, and the truth behind the Infinite Banking Concept.