Fear, uncertainty, and doubt around whole life insurance keep people stuck in analysis paralysis, unable to move forward with Infinite Banking, despite its proven track record. But understanding where this "FUD" comes from and why it's largely overblown helps us understand that it's actually really hard to mess up a whole life insurance policy.

More From John:

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
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Topics Discussed:

• (00:00) - 024 Why you're hesitating on whole life (and how to stop)
• (01:10) - Generations of Status Quo Financial Thinking
• (04:48) - Information Overload & Finding the Right Advisor
• (08:45) - IBC Hype and Sensationalism
• (12:44) - Philosophy vs the Math
• (17:02) - Policy Design Concerns
• (19:48) - High Early Cash Value Trade-offs
• (22:47) - Policy Lapses & Wrong Products
• (26:12) - Finding an Advisor You Like and Trust
• (27:48) - Agent Commissions
• (33:41) - How Much to Pay & What to Do With Your Policy
• (36:22) - Simplicity & Next Steps

Most people struggle to free up cash flow because traditional financial planning locks their money away in illiquid accounts and debt payoff strategies, leaving them vulnerable when opportunities arise and unable to capitalize on the moments that matter most.

More From John:

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

Topics Discussed:

• (00:00) - 7 Cash Flow Shifts to Fund Infinite Banking
• (00:26) - Why Liquidity Gives You Power
• (01:51) - The Root Issue: Lack of Control Over Money
• (03:26) - Real Life Example: Career Change Opportunity
• (05:38) - Preparation (Capitalization) Meets Opportunity
• (06:33) - Rolling With the Punches
• (07:28) - Whole Life Insurance: Liquidity and Control
• (08:08) - Strategy 1: Retirement Plans (401k/IRA)
• (10:30) - The Tax Deferral Reality
• (12:31) - Whole Life as the Swiss Army Knife
• (13:40) - Contributing Only Up to the Match
• (15:14) - Strategy 2: a "401k Delay"
• (17:00) - Strategy 3: Your Mortgage
• (19:19) - Giving Your Money a Better Job
• (20:37) - You Don't Control Home Equity
• (22:10) - Strategy 4: High Interest Debt
• (24:14) - Using Policy Loans to Pay Off Debt
• (25:59) - Strategy 5: 529 College Savings Plans
• (27:02) - Strategy 6: Property Taxes
• (28:12) - Strategy 7: Capturing Future Income Growth
• (30:05) - The Income-Expense Gap
• (30:45) - Currence Cashflow OS
• (32:09) - Focus on Process, Not Just Investments

Conventional financial "planning" is a misnomer: it relies on an unstable foundation of market variables, gives up control, and follows the herd. Learn three timeless principles of a financial strategy based on certainty and control that allow you to stop chasing risk and build your own banking system.

More From John:

1. Get a free one-on-one Financial Assessment

2. Get my free weekly newsletter with exclusive content on financial education

3. Free mini-course: Supercharge Financial Growth with Whole Life

4. Work with me: Schedule a consultation

About me:
I'm John Perrings, an Authorized Infinite Banking Concept (IBC) Practitioner with the Nelson Nash Institute, the official home of Infinite Banking. I've implemented IBC for hundreds of clients and educated thousands more via my top-rated podcasts, articles, and courses.

Get Access to All My Stuff:
StackedLife.com

Topics Discussed:

• (00:00) - Introduction: The Flawed Foundation of Conventional Financial Planning
• (01:18) - The Problem with Variables-Based Planning
• (03:42) - The Herd Mentality and Market Bubbles
• (06:14) - Sequence of Returns Risk and Market Volatility
• (08:04) - A Principles-Based Approach to Financial Planning
• (09:08) - Principle One: You Finance Everything You Buy
• (10:16) - Principle Two: Building Your Financial Foundation First
• (11:41) - Principle Three: Controlling the Banking Function
• (13:08) - How Whole Life Insurance Creates Your Foundation
• (14:20) - Strategic Capital Deployment and Leverage
• (16:05) - Join my Infinite Banking 101 Webinar