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The Fifth Edition by Infinite Banking Authorized Practitioners
34 minutes | 5 days ago
Why You Need To Get Started With IBC In Your 40's
This episode is probably one of our favorites because it's packed full of reasons why you should make Infinite Banking a part of your overall financial plan. By your 40's you've probably accumulated enough financial experience to have doubt about how viable a 100% stock market and term life insurance only approach will be come retirement. We'll cover the challenges people in their 40's face and what you can do to avoid the financial regret we hear from those who wish they had started when they were in their 40's. Regardless of your age, though, this episode is a must listen!To learn how you can get started with IBC, you can book a time to speak with the hosts at www.TheFifthEdition.com.
44 minutes | 23 days ago
Getting Started With IBC In Your 30s
In this week's episode, we explore the importance of getting started with Infinite Banking in your 30's. At this point in life, your career is likely coming into focus but your idea of what constitutes a financial plan may be predicated on what your employer told you should do but planning for a retirement at an age when you may be starting a family and buying your first home could mean dealing with debt and other financial responsibilities that could potentially set you back a decade... unless you discover what we did about Infinite Banking in your 30's!It's now time to take of those kid's gloves for good and get serious about building a foundation for your money that will serve you now and for all of the stages in your life. Take a listen and reach out to the hosts to learn how you can get started with Infinite Banking at www.TheFifthEdition.com.
32 minutes | a month ago
Getting Started With IBC In Your 20's
In this weeks episode, we discuss the financial challenges facing 20 year old's today, what their priorities should be financially, and why they should be looking at IBC as way to build a rock solid foundation for their future.We also turn back the clock to our 20's. One of us was responsible and the other was a bit more carefree when it came it our finances. The results of how things turned will probably surprise you? What did we learn from our 20's and what would we do differently if we could go back in time? If you have questions for us or topics you'd like us to discuss, let us know at www.TheFifthEdition.com
20 minutes | 2 months ago
Understanding Whole Life Dividends
Thank you for joining us for the latest episode of The Fifth Edition, the podcast dedicated to learning and implementing The Infinite Banking Concept into your life! In this week's episode, our hosts discuss how dividends from a Whole Life policy work and why dividends can be so confusing for people trying to better understand Infinite Banking so you can cut through "all the noise."Take a listen to add to your IBC knowledge base and if you have questions, be sure to connect the hosts at www.TheFifthEdition.com.
27 minutes | 2 months ago
Creating Income With Whole Life Insurance
Join us for episode 23 where we discuss how to create income from your Whole Life Insurance. Most people tend to think about Whole Life policies only for its permanent death benefit protection but one of the incredible long-term benefits of Whole Life is how it provides more options in retirement than the default Wall Street approach to income planning... and MORE options is definitely better! Take a listen to learn more.To ask questions or schedule a consultation with the hosts, please visit www.TheFifthEdition.com
28 minutes | 3 months ago
IBC and Internet "Rabbit Holes"
Infinite Banking is generating even more buzz as we head into 2021. Unfortunately, a lot of information found on the internet from advisors piggy backing on the IBC name without being properly affiliated with the Nelson Nash Institute and we've found from people reaching out to us that it's creating a lot confusion about how IBC really works.In this week's episode we discuss some of the rabbit holes we've found on Youtube and other social media channels that miss the point on what IBC is all about. There's quite a few talking points from finding the best IBC carriers to shopping for dividends to even understanding what guaranteed interest rates are all about.Take a listen and then let us know if you have questions. You can find us at:www.TheFifthEdition.com
21 minutes | 4 months ago
Who Should You Insure First?
In this week's episode, we discuss who to insure first (yourself, spouse, or your child) when getting started with IBC. This topic came about because as IBC practitioners, we've found that people often think it's best to go with the youngest person in the household but this isn't always the case. We discuss the rules of thumb on who to insure first and why. We'll also touch 529 college savings accounts because this account has been given a more elevated status than it actually deserves. Take a listen and then let us know if you have questions. You can find us at:www.TheFifthEdition.com
20 minutes | 5 months ago
A Financial Bunker For Hyperinflation, Pandemics, and Everything Else
The year 2020 has been one to forget for so many reasons and there are a lot of concerns and questions about what to do financially. Should we be buying precious metals, crypto, keep investing the market, and how in the world does an Infinite Banking Whole Life policy fit in with your overall financial plan?Take a listen as Authorized IBC Practitioner's John Montoya and John Perrings discuss how to position yourself so you and your family can weather any financial calamity, market bubbles, or even, yep... pandemics. It's a brand new world we're living in. This is the new normal but one thing never changes: your need to have control over your financial system.Take a listen and let us know if you have any questions by connecting with us at:www.TheFifthEdition.comAdditional Resources mentioned during the show:E-book: How Privated Banking Really Works by L. Carlos Lara and Robert P. Murphy, Ph.D.
19 minutes | 5 months ago
What Is Our Biggest Financial Problem?
The average American is conditioned to give up control and access of their money, chase rate of return, and hope it all works out in the end. It's a huge financial problem that affects every household that follows the mainstream financial advice promoted by traditional banks and Wall Street. Sadly, this financial advice is all the majority of Americans have heard and followed because they have yet to the alternative to building wealth without big banks and Wall Street.Take a listen to this week's episode as IBC Authorized Practitioners John Montoya and John Perrings delve into the biggest financial problem facing Americans today and how to overcome it with a solution that creates a stress-free way of living.There is a better and safer way to create wealth that puts you in the driver's seat so you can take advantage of the all opportunities and curve balls life throws your way.To learn more please contact the hosts or schedule an appointment to discuss your situation at: www.TheFifthEdition.com.
20 minutes | 6 months ago
The Ideal Characteristics For The Perfect Investment
In this week's episode, IBC authorized practitioner's John Montoya and John Perrings discuss all the ideal characteristics you should want if the perfect investment existed.In other words, where is the best place for money?It's an interesting subject because most people put their money in 1 of 3 places: traditional banks, qualified plans like 401k/IRA's, or their home by prepaying a mortgage.If there was a better place for your money, when would you want to know? Take a listen and learn what you can do to build wealth with greater control of your money no matter what curveballs life throws your way.To contact or schedule a private consultation with the hosts, please visit www.TheFifthEdition.com.
19 minutes | 6 months ago
How, When, and Should You "Pay Up" A Whole Life Policy?
In this week's episode, IBC practitioners John Montoya and John Perrings discuss what separates the average Whole Life policy from an Infinite Banking designed Whole Life policy when it comes to the flexibility of deciding when to stop paying premium.In the year 2020, the majority of people still believe Whole Life premiums need to be paid for life... but if what you thought was true turned out not be, when would you want to know??We also discuss the important trade-offs and key takeaways to consider when deciding how long fund an IBC policy so you can determine what's best for your situation.If you have questions or would like to set up a strategy session with one of the hosts, please visit www.TheFifthEdition.com.
21 minutes | 6 months ago
Taking Advantage of Human Life Value
In this week's episode of The Fifth Edition, we discuss how and why you should be taking advantage of your Human Life Value, especially as it pertains to the Infinite Banking Concept. If you're thinking long range, you should not only be thinking 3 generations ahead but how you can start your next IBC policies. Take a listen and keep learning about Infinite Banking.Your hosts are Authorized IBC practitioners and can be reached by visiting www.TheFifthEdition.com.
25 minutes | 6 months ago
Whole Life Is Not An Expense
In today's episode we discuss Whole Life insurance to better understand the expense side of Whole Life policies and how it relates to the Infinite Banking Concept. Whole Life can be the lowest cost coverage over time because the cash values grow to be more than the premiums paid. Should you really consider it an expense then? Tax and retirement expert Ed Slott doesn't think so. Neither do we.Take a listen and decide for yourself. If you have questions about Infinite Banking, you can contact the hosts at www.TheFifthEdition.com.
21 minutes | 7 months ago
3 Life Lessons IBC Teaches You About Money
When you practice Infinite Banking, you quickly learn how it's a complete change in perspective with how you view and manage your money. In this week's episode we discuss the 3 most important life lessons that IBC has taught us about money that you won't learn by following the conventional financial models. Take a listen and see if what we've learned about IBC can create value in your life. Hosts John Montoya and John Perrings are both IBC Authorized Practitioners. To contact them with questions, please visit www.thefifthedition.com.
20 minutes | 7 months ago
Do You Really Have a Whole Life Policy?
You might not believe how many people think they own a Whole Life policy when in fact they don't! In this episode of The Fifth Edition, we discuss how to know for sure what type of permanent life insurance policy you own and the reasons why it matters! When it comes to owning permanent life insurance, there are multiple options that might sound the same but what is guaranteed and what is at risk could be a painful life lesson to learn at the wrong time! Take a listen and be sure you know what you have!For questions, please contact the hosts at www.thefifthedition.com.
39 minutes | 7 months ago
Why You Should Avoid IBC
We are going to be counterintuitive in this particular espisode. We've discussed all the reasons why people should learn and get started with IBC in previous episodes. Now we flip the IBC concept upside down.Why should you avoid IBC? We'll give you at least a handful of reasons. Listen in and see if you can relate to what we have to say!For questions about Infinite Banking, be sure to visit www.thefifthedition.com where you can contact the hosts, IBC Authorized Practitioners John Montoya and John Perrings.
24 minutes | 8 months ago
Life Insurance Policy Design
In today's episode we discuss the importance of having a life insurance plan customized to fit your unique situation. It's common to think of life insurance as a commodity but that's a huge mistake. To maximize all the benefits of life insurance, whether or not you are pursuing Infinite Banking, your financial and health circumstances in addition to your individual goals will determine your best plan. Take a listen!
36 minutes | 8 months ago
The Safety of Life Insurance Companies
In today's episode we have fun discussing the safety of the life insurance industry. For most people parking money in a life insurance contract seems like an odd thing to do but the life insurance industry is the bedrock of the financial system. Plus, it's a little known secret that banks put up to 25% of their tier 1 assets in cash value life insurance contracts even though they want you to buy mutual funds!If the life insurance industry is safe enough for bank money, there's stand a good reason it's safe enough and a smart option for you, too.We invite you tune out the "noise" and plug into why you should consider a portion of your safe money be parked within properly designed Whole Life insurance contracts to keep, grow, and ultimately pass on your wealth without taking unnecessary market risks.To get more information Infinite Banking, you can contact the hosts at the www.thefifthedition.com.
27 minutes | 8 months ago
Being Smarter About Reducing Debt
In today's episode we talk about debt reduction, interest rate vs. interest volume, prioriting which debts to pay off first, and whether it makes sense to prepay your mortgage.If you have debt but would like to get started with IBC, reach out to us and let's explore how best to prioritize your cash flow. You can contact the hosts of The Fifth Edition at www.thefifthedition.com.
36 minutes | 9 months ago
Choosing A Life Insurance Company & How Long To Long To Fund Your IBC Plan
In today's episode we discuss two seemingly important IBC topics:How to choose a life insurance company and how long to fund your IBC plan. Don't get stuck "majoring in the minors" though. Listen in to learn more about Infinite Banking!
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