In this very special special and personal episode, we interview co-host John Montoya's wife, Kelly Vail, about her battle with cancer.

As a business owner, Kelly started IBC as a way to be more efficient with her cash flow. Little did she know that, years later, the living benefits of whole life insurance would literally save her life.

When the healthcare system had no answers and gave her only months to live, the access to money created by her whole life and disability insurance gave her the flexibility and space that she needed to take matters into her own hands.

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● (0:17) - Episode start and introduction

● (1:15) - What is a Health Savings Account (HSA)? How people view it and it’s limitations

● (7:35) - The opportunity cost of HSAs, blurring the line between saving/investing

● (9:40) - Why IBC is the best rainy day fund for medical expenses

● (12:30) - Introduction to Kelly Montoya, her story and her battle with breast cancer

● (20:03) - What Kelly realized about her health insurance coverage, using her IBC policy to get the treatment she needed

● (25:45) - The reality of supplementing your income with disability, how Kelly actually utilized her IBC policy

● (34:08) - IBC gave Kelly an alternative path that was literally life-changing, some big news

● (40:25) - The last 7 months, the role that IBC played, episode wrap