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The Fifth Edition by Infinite Banking Authorized Practitioners
22 minutes | May 15, 2021
Liquidity and Diversification
In this week's episode we discuss how the IBC strategy brings about unrivaled liquidity and diversification to an overall financial plan. Sadly, most people think their financial plan are liquid and that their plan is fully diversified... but compared to what? Mainstream financial plans look exactly the same so they can't be compared equally to the tangible and intangible benefits Infinite Banking provides.Take a listen and learn how Infinite Banking adds more depth, safety, and opportunities so you can pursue the lifestyle you want!To learn more about getting started with Infinite Banking, visit www.thefifthedition.com to schedule your strategy session.
10 minutes | Apr 29, 2021
Direct vs Non-Direct Recognition Dividends
One of the more confusing aspects of the Infinite Banking Concept is understanding how dividends works. Nearly all the information we find on the internet on this subject is creative marketing to make you believe one type of dividend is superior to the other. In this episode IBC Practitioners discuss the two different types of Whole Life participating dividends available and what matters most. There's a reason Nelson Nash doesn't choose a side or even mention Direct or Non-Direct Dividends in his book "Becoming Your Own Banker"... As Nelson would say:"Don't major in the minors!"To get started with Infinite Banking or ask the hosts questions, please visit www.TheFifthEdition.com.
35 minutes | Apr 10, 2021
Getting Started With IBC In Your 50s
"What gets us into trouble is not what we don't know. It's what we know for sure that just ain't so." - Mark TwainIs it too late to get started if you're now in your 50's? How can Infinite Banking help you create financial security for your retirement? We cover these topics and more in this episode of The Fifth Edition. For specific answers to your financial situation, schedule a strategy session by visiting www.thefifithedition.com and talk to an Authorized Infinite Banking practitioner. The best time to get started with Infinite Banking is always yesterday, but the 2nd best time is today!
16 minutes | Mar 26, 2021
Why You Need To Get Started With IBC In Your 40's, Part II
This episode picks up after episode 27 "Why You Need IBC In Your 40's" to discuss how we use IBC focusing the asset accumulation side of wealth building. Just like the old saying, there's more than one way to skin a cat... there's no limit to how you can use Infinite Banking. Using the IBC strategy first to create and hold capital under your own control is the first step. What you do next is up to you. Take a listen and learn a little bit about how we practice what we preach.If you have questions or would like to know if Infinite Banking makes sense for your situation, visit www.TheFifthEdition.com to schedule a privite 30 minute consultation .
10 minutes | Mar 9, 2021
How Current Events Affect IBC
So many current events to feed the headlines but 99.99% of the chatter is either irrelevant or dangerous to our economic health.One of the rarely mentioned benefits to Infinite Banking is how it brings clarity and focus to the "noise" that's all around us. Join us as we break down how current events shape our philosophy around IBC so you can see the noise for all it is... a distraction to divert your attention from living a peaceful and more abundant life. Enjoy the episode and be sure to visit www.TheFifthEdition.com to learn more about making Infinite Banking a part of your life.
34 minutes | Feb 20, 2021
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 | Feb 2, 2021
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 | Jan 17, 2021
Get 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 | Jan 1, 2021
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 | Dec 12, 2020
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 | Nov 27, 2020
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 | Oct 21, 2020
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 | Oct 7, 2020
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 | Sep 23, 2020
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 | Sep 9, 2020
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 | Aug 26, 2020
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 | Aug 19, 2020
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 | Aug 12, 2020
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 | Jul 29, 2020
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 | Jul 22, 2020
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.
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