Are you drowning in debt? In 2025, the average U.S. household carries between $105,000 and $150,000+ in debt — and for many families, high-interest payments have become a normal way of life. But what if you could eliminate debt, bypass traditional banks, and build unstoppable cash flow by becoming your own bank?

In this episode ofPrivate Banking Strategies, Vance Lowe and Seth Hicks break down a powerful real-life case study revealing how one family usedproperly structured whole life insurance policiesto create a private family banking system. Instead of relying on traditional lenders, they leveraged the Infinite Banking Concept to pay off high-interest debt, grow tax-advantaged cash value, and build multi-million-dollar generational wealth — all while keeping their assets private and protected.

Vance and Seth discuss:

• How to Eliminate Debt Using Whole Life Insurance (Infinite Banking Explained)
• Why the Wealthy Build Private Family Banks with Cash Value Life Insurance
• Paying Off High-Interest Credit Card Debt with the Infinite Banking Strategy
• Turning Monthly Expenses into Passive Income Assets Through Private Banking

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today:https://privatebankingstrategies.com/resources/free-e-book/

What does it truly take to build generational wealth that endures for decades? While many families rely on traditional strategies like 401(k)s, IRAs, stocks, and real estate to grow and transfer wealth, few are aware of a time-tested strategy quietly used by affluent families for more than 200 years.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks walk through a real-life inspired case study showing how families can create a private family banking system designed to grow wealth, improve cash flow, and maintain financial control. Learn how one family strategically plans for college funding, business opportunities for their children, and a tax-efficient legacy — all while protecting their capital from market volatility, inflation, and traditional banking limitations.

Vance and Seth discuss:

• Why High-Income Families Still Feel Financially Stuck
• Case Study: The Rivera Family & Building a 100-Year Private Family Bank
• Paying for College, Funding Businesses & Protecting Family Cash Flow
• Purchase Your Own Debt with Infinite Banking

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

In this episode of the private banking strategies podcast, Vance Lowe and Seth Hicks Esq.,as they break down the powerful concept of the Private Family Bank. Explore the philosophy, structure, and long-term strategies that allow families to grow wealth privately, safely, and exponentially and why private banking requires patience, repetition, and understanding the core principles of long-term wealth.

From debunking common money myths to showing how life insurance contracts can become compounding engines for financial independence, this conversation is packed with actionable insights that can transform your financial future.

Whether you’re just starting out or looking to optimize your family’s legacy, Vance and Seth guide you step by step through the principles that make private banking strategies unmatched in stability, privacy, and long-term growth.

Vance and Seth discuss:

• Introduction & The Private Family Bank Philosophy
• How Life Insurance Premiums Grow Your Personal Banking System
• Discover How Your Policies Create Exponential Growth Over Decades.
• Using Your Bank for Real Estate and Business Ventures.
• Secure Your Family’s Wealth for Generations, with Tax-Free Growth, and Flexibility.

To Watch this Episode, Please Visit the Private Banking Strategies® YouTube Channel:

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., reveal how families build generational wealth—and why most lose it. By comparing the Vanderbilt and Rockefeller families, they explain how financial structure, mindset, and education determine whether wealth lasts or disappears.

They break down the Rockefeller Waterfall Method, showing how life insurance, trusts, and private family banking can help everyday families protect assets, reduce taxes, and create lasting family wealth. This episode is essential for anyone looking to move beyond short-term investing and build a true multi-generational financial legacy.

Vance and Seth discuss:

• Secrets of the World’s Wealthiest Families | History of Billionaires & Generational Wealth
• Vanderbilt Family Wealth Collapse: Why Most Fortunes Don’t Last
• Rockefeller Family Wealth Strategy That Built Multi-Generational Legacy
• The Rockefeller Waterfall Method Using Life Insurance & Trusts
• How Everyday Families Can Build Generational Wealth Like the Rockefellers

To Watch this Episode, Please Visit the Private Banking Strategies® YouTube Channel:

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

Do you find yourself setting money aside, only to watch those savings disappear when unexpected expenses arise? This cycle is common when traditional savings tools lack flexibility and protection. By leveraging uninterrupted financial growth through properly structured whole life insurance, your money can continue to compound predictably—even when life happens.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks, Esq. break down why traditional investment vehicles—stocks, real estate, mutual funds, and Wall Street–based portfolios—often fall short of delivering true long-term security, liquidity, and control and how properly structured whole life insurance–based private banking strategies offer a more reliable alternative, delivering guaranteed growth, tax-advantaged cash flow, uninterrupted compounding, and contractual certainty.

Vance and Seth discuss:

• Introduction: Rethinking traditional wealth-building strategies
• Predictable compounding growth vs. traditional investments (why certainty wins long term)
• How to create uninterrupted compound interest outside of Wall Street
• The truth about 401(k)s: why the creator no longer supports them for retirement
• Life insurance as a long-term wealth strategy vs. stocks and real estate

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel:

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

Think your cash is safe sitting in a traditional bank? Think again. Centralized banks profit from your deposits while offering little protection or growth. Long before banks dominated the financial system, mutual whole life insurance companies provided unmatched stability, guaranteed growth, and security that will last generations.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., reveal why these policies beat IRAs and 401(k)s, how compounding growth will supercharge your cash, and why keeping your money in the right insurance policies—not banks—will give you true long-term financial control. Whether you’re seeking true financial freedom, wealth preservation, or a smarter approach – this podcast reveals the strategies banks don’t want you to know about.

Seth and Vance discuss:

• Before centralized banks: the power of mutual whole life insurance companies
• Why these policies offer unmatched stability compared to IRAs and 401(k)s
• How compounding growth accelerates your wealth over time
• The smart strategy: keeping your money in policies instead of banks

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel:

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

Everyone is talking about how broken the current financial system is—but few talk about why. In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., expose the flawed economic model fueling massive U.S. debt and inflation, and reveal how understanding this system allows you to position your personal finances for stability, growth, and opportunity in any market cycle.

Learn why cash flow, yield, and liquidity consistently outperform average rates of return over time, and how relying solely on traditional investments leaves families vulnerable to volatility. We break down why traditional financial planning often fails to deliver real cash flow, control, and long-term wealth—and what you can do instead.

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel:

Vance and Seth discuss:

• Introduction: Why most financial plans fail long term
• The truth about traditional financial planning (and who it really benefits)
• Yield vs. rate of return: the real driver of long-term wealth building
• The hidden failures that derail most retirement and investment plans
• 401(k)s & IRAs vs. Private Banking strategies: reclaiming control of your money
• The broken U.S. economic model, national debt, and how it erodes your wealth

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

Connect with Seth Hicks and Vance Lowe:

• • Seth’s LinkedIn: https://www.linkedin.com/in/privatebankingstrategies/
  • Vance’s LinkedIn: https://www.linkedin.com/in/vancedlowe-rfc-chfc-351479100/

Build financial abundance the smart way—without unnecessary risk.

In this episode of the Private Banking Strategies Podcast, Vance Lowe and attorney Seth Hicks explain how high-net-worth families use private family banking and Infinite Banking principles to make every dollar more efficient.

Learn how to put the same money to work more than once through tax-advantaged compounding, uninterrupted liquidity, and a simplified wealth system designed for long-term cash flow and generational wealth preservation. This proven private banking strategy allows families, entrepreneurs, and investors to recycle capital, protect purchasing power, and create financial certainty for decades.

Episode Timestamps

• Financial Abundance Made Simple: Structuring Your Money the Right Way
• Using the Same Dollar Twice to Increase Cash Flow
• Where to Store Money to Beat Inflation and Stay Liquid
• Why Banks Use Life Insurance as a Financial Asset
• Why This Wealth Strategy Is Simpler Than You Think

To Watch this Episode, Please Visit the Private Banking Strategies YouTube Channel:

Resources:

• To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe
• To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/

Connect with Seth Hicks and Vance Lowe:

• • Seth’s LinkedIn: https://www.linkedin.com/in/privatebankingstrategies/
  • Vance’s LinkedIn: https://www.linkedin.com/in/vancedlowe-rfc-chfc-351479100/