Are you really becoming your own banker… or did you just buy a policy? 👀

In this episode, Tricia Miller breaks down one of the most common mistakes people make after starting their Infinite Banking journey — paying the first premium, then stopping short. She reveals why skipping your PUAs (Paid-Up Additions) can stall your growth, interrupt compounding, and keep your money working for someone else instead of you.

You'll learn: 💡 The crucial difference between owning a policy and practicing the Infinite Banking Concept 🔥 Why PUAs are the "fuel" that accelerates your wealth 🔁 How one simple detour — paying yourself first — can change your financial future forever 💰 What uninterrupted compounding really means (and why it's the 8th wonder of the world)

If you've ever wondered why your policy isn't performing the way you hoped, this episode will re-ignite your understanding and help you get your system working for you — not the banks.

➡️ Listen, learn, and take the next step toward becoming Bankless By Design.

In this episode of Bankless by Design, Tricia sits down with Becca Wilhite—Nelson Nash Institute Authorized Practitioner and author of Beaver Bankers—to unpack Infinite Banking in real life. Becca shares how she went from a Dave-Ramsey-style skeptic to a confident practitioner after discovering that most families aren't "investing the difference"…they're spending it.

You'll learn how IBC helps you capture the cash flow already moving through your life, access capital on demand while your cash value keeps growing, and build a family banking system that supports multi-generational legacy. We talk policy loans, whole life design, faith-rooted stewardship, and why control (not rates) delivers peace instead of pressure. Becca also tells the origin story of Beaver Bankers and why the beaver-pond analogy is the perfect picture of keeping wealth flowing at home.

Listen in to rethink debt, compounding, and legacy—and to see how IBC makes Proverbs 13:22 practical.------------------------------------------

Follow Thrivewell 👉 Facebook: https://www.facebook.com/people/Thrivewell/61578207568360/ 👉 Instagram: https://www.instagram.com/bankless_by_design/ 👉 Linkedin: https://www.linkedin.com/company/107769593 👉 TikTok: https://www.tiktok.com/@thrivewell_bbd Get In Touch: [email protected]

Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Is Infinite Banking (IBC) just another "investment"… or a smarter way to finance life with control and liquidity? In this episode of Bankless by Design, Tricia Miller reframes the debate and walks through numbers that actually matter—cash value access, opportunity cost, velocity of money, guaranteed growth, and how policy design impacts real-life results.

What you'll learn

Why IBC with dividend-paying whole life insurance is a financing system, not an investment How to calculate the lifetime volume of interest you've paid to banks (and the cost of paying cash)

The velocity of money: using the same dollar for multiple jobs without interrupting growth

A simple, mid-life example policy: liquidity in early years, increasing cash value, and expanding death benefit

Why "buy term & invest the difference" misses opportunity cost, access, taxes, and sequence risk

Practical steps to start banking at home and compare strategies on apples-to-apples terms

About the show

Bankless by Design (Thrivewell) helps families, entrepreneurs, and purpose-driven people reclaim control of their money through Infinite Banking and values-aligned stewardship—so you can protect, provide, and build a multigenerational legacy.

Enjoyed this? Like 👍, subscribe 🔔, and comment with your biggest question about IBC. It really helps others find the show. -

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Follow Thrivewell

👉 Facebook: https://www.facebook.com/people/Thrivewell/61578207568360/

👉 Instagram: https://www.instagram.com/bankless_by_design/

👉 Linkedin: https://www.linkedin.com/company/107769593

👉 TikTok: https://www.tiktok.com/@thrivewell_bbd

Get In Touch: [email protected]

Learn More: banklessbydesign.com

Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

"Whole life is a scam." You've heard the line—usually followed by "just buy term and invest the difference." In this episode, Tricia Miller breaks down why that advice can leave families underinsured, overexposed to market volatility, and taxed more than they expect—and how dividend-paying whole life with the Infinite Banking Concept (IBC) reframes the goal from chasing returns to financing life with guarantees.

------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

When the system shuts down… how do you keep your family standing? In this special bonus episode, Tricia Miller, founder of Thrivewell: Bankless By Design, shares a personal story of how the recent government shutdown affected her own family — with multiple children and spouses furloughed or working without pay. This isn't just about politics — it's about preparation. Tricia reveals how the Infinite Banking Concept (IBC) offers real solutions for financial independence, cash flow control, and crisis-proof wealth. Learn how to build a private banking system within your family that provides liquidity, security, and freedom from traditional banks — even when the economy stalls. In this episode, you'll discover: What a government shutdown teaches us about dependency and control Why savings accounts, 401(k)s, and IRAs often fail families in emergencies How to create financial resilience using the Infinite Banking Concept The power of capital stewardship, family legacy planning, and values-aligned wealth building How to build freedom-based finances that can withstand any crisis Tricia reminds us: "There's never a problem until there's a problem." The question is — will you have access to your own capital when you need it most?

------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Uncovering the faith-filled origins of a misunderstood financial tool You've heard it before — "Whole Life Insurance is a scam." It's a phrase repeated by financial entertainers and echoed by well-meaning friends. But what if that familiar advice is built on misunderstanding... and the truth tells a very different story? In this episode of the Bankless by Design Podcast, Tricia Miller explores the deeper roots of Whole Life Insurance and the Infinite Banking Concept — revealing how these ideas aren't scams at all, but are instead grounded in biblical principles of stewardship, honesty, and provision. You'll discover: The surprising origins of Whole Life Insurance (yes, really!) Why money is never neutral — and what that means for your faith and finances How Infinite Banking aligns with timeless virtues like care, integrity, and legacy Why comparing Whole Life to an investment misses the entire point This isn't about numbers on a spreadsheet. It's about truth, virtue, and reclaiming the way we steward what God has entrusted to us. 🎧 Listen now and see why what's often called a "scam" might just be one of the most honest, legacy-minded financial systems still standing. ------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Most people's first question about Infinite Banking is: "Why would I pay interest to borrow my own money?" In this episode, we dig into that question and break down how policy loans really work—and why they're nothing like bank loans. You'll learn how uninterrupted compounding gives you an edge, why life insurance company terms are so flexible, and how you can save and spend at the same time. By the end, you'll see how paying interest can actually create long-term financial growth and freedom.

------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this episode, Tricia Miller answers one of the most common beginner questions: How much premium do you really need to get started with Infinite Banking? Drawing from Nelson Nash's golden rules, real-life examples, and her own experience, Tricia explains why paying premium isn't a burden but an opportunity to build lasting wealth. You'll learn the importance of capitalizing boldly, thinking long-range, and why uninterrupted compounding can change everything. Whether you're just curious or ready to dive in, this episode will help you see why anyone—not just the wealthy—can become their own banker.

------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this episode, Tricia Miller answers one of the most common beginner questions: How much premium do you really need to get started with Infinite Banking? Drawing from Nelson Nash's golden rules, real-life examples, and her own experience, Tricia explains why paying premium isn't a burden but an opportunity to build lasting wealth. You'll learn the importance of capitalizing boldly, thinking long-range, and why uninterrupted compounding can change everything. Whether you're just curious or ready to dive in, this episode will help you see why anyone—not just the wealthy—can become their own banker.

------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this episode, Tricia discusses how to get started with the Infinite Banking Concept and emphasizes the importance of adopting the right mindset in relation to money. Drawing on Nelson Nash's critical book 'Becoming Your Own Banker', she draws parallels between a story from the Gospels and the financial paradigm shift required for IBC. Join in as Tricia underscores the need to thoroughly study the Infinite Banking Concept, to work with an authorized practitioner, and stresses that anyone who commits to discipline and self-education can learn the concept.

------------------------------------------ Follow Thrivewell Facebook Instagram Linkedin TikTok Get In Touch: [email protected] Learn More: banklessbydesign.com Disclaimer: All content on this site is for informational purposes only and does not constitute financial advice. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of Tricia Miller, unless otherwise specifically cited. The data that is presented is believed to be from reliable sources, and no representations are made by Tricia Miller, Thrivewell, and Bankless By Design as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.