Chris Naugle ( @TheChrisNaugle ) & Caleb Guilliams go head-to-head debating whether you should borrow against your whole life insurance policy to purchase cars and other liabilities. They disagree over the math and opportunity cost, as well as comparing their philosophies behind their positions.

Watch the full interview: https://youtu.be/m2goBXyB27M

Buy Your Tickets to the Life Insurance Summit!

Click Here: https://betterwealth.com/summit

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

00:00 - Introduction

00:18 - Why Use IBC for Cars?

01:35 - Calculating the Cost of Financing vs. IBC

02:24 - Negotiating a Car Price While Using IBC

03:35 - Dealerships Making Money on Financing

04:20 - IBC is a Process

06:06 - Volume vs. Rate

06:34 - The 4% Loan vs. 6% Policy Loan Scenario

07:38 - Chris Disagrees and Explains the APR

09:35 - Modeling the Math (Chris vs. Caleb)

10:48 - Paying Back the Policy at the Bank's Rate

12:33 - Loan Repayment vs. New Premium

13:28 - Opportunity Cost and Capital

15:07 - Disagreement on the Logic

16:24 - Personal Preference for Moving Capital

18:57 - An Alternative Strategy (Leasing and Reinvesting)

20:24 - Consistency in Teaching Money Concepts

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Can you use whole life insurance to pay off debt? In this real case study, Caleb Guilliams and Denzel Rodriguez ( @DenzelNapoleonRodriguez break down how a properly structured whole life insurance policy was used to pay down $140,000 in student loan debt. We walk through real numbers, cash value, policy loans, interest rates, and when this strategy actually makes sense and when it doesn’t.

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

00:00 Whole Life Insurance Case Study: Paying Off Debt

01:46 Life Insurance to Pay Off Debt

03:55 Pre-policy Parameters

06:53 Rules for Borrowing Against a Policy

08:28 Debt Repayment vs. Starting a Permanent Policy

10:37 Convertible Term Insurance and Debt Snowballing

13:01 High-Interest Debt and Whole Life

16:28 Denzel's Case Study: 22-Year-Old Female with Student Loans

19:26 Student Loans in Forbearance and Interest Capitalization

24:50 When Using Whole Life to Pay Off Debt Makes Sense (and When It Doesn't)

27:03 Comparing Debt Payoff Strategies

31:07 Leveraging Whole Life to Pay Off Debt

34:25 Cash Flow and Debt Repayment

38:52 Leveraging Borrowed Money to Fund Whole Life Insurance

50:45 Importance of Personal Growth and Certainty

55:50 Final Thoughts

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Chief Growth Officer, Maggie Seidel from Finseca gives the insider information on what Washington DC is doing right now in the world of finance and life insurance. What is Finseca doing to defend life insurance and agents from over regulation and tax threats.

00:00 Intro

00:52 Maggie Seidel & Finseca's Mission

03:44 Finseca's Structure and Approach

06:08 Addressing Threats

06:40 Analogy of Financial Professionals' Evolution

08:09 Pushback Against Financial Regulation and the Fiduciary Standard

09:58 Tax Code Changes and Finseca's Response

11:09 Permanence on 199A

14:02 Finseca's Approach When It Comes To Debt

19:05 Finseca's Opinion on Fiduciaries

20:49 Ernst & Young Study

26:37 What is Finseca Looking Forward To?

32:29 Finseca's Approach to the People on the Internet?

36:37 Final Thoughts

Want to Join Finseca? Click Here: https://www.finseca.org/Join

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Caleb Guilliams & Chris Naugle ( @TheChrisNaugle ) showcase a brand new calculator that demonstrates the true value of whole life insurance compared to other assets. They then debate the true math behind buying cars using the infinite banking concept.

00:00 Introduction and Whole Life Insurance Misconceptions

01:17 Defining Infinite Banking Concept (IBC)

02:12 The Role of Whole Life Insurance in IBC

04:26 Insuring Your Greatest Asset (Ability to Earn)

06:08 Societal Shift and Lack of Selfless Thinking

09:31 Keys to Financial Success

11:11 Whole Life Insurance as an Efficient Asset

15:39 The Stigma of Whole Life Insurance

16:30 Whole Life Insurance is Not an Investment

17:39 Uninterrupted Compounding Interest

19:30 Competitive Growth and the Tax Advantage

30:45 Why Chris Naugle Uses IBC for Cars

37:05 Mathematical Debate on Loans and Savings

47:29 Personal Preference and Capital Movement

49:57 Alternative Strategies (Leasing) and Conclusion

Buy Your Tickets to the Life Insurance Summit!

Click Here: https://betterwealth.com/summit

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Everything you need to know about Backdoor Roth Conversions in 2026. In this detailed presentation, Caleb Guilliams and Justin Gartman walk through the beginners guide to Backdoor Roth's as well as answering exactly what you need to know in order to start this strategy for yourself.

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education?

Go Here: https://bttr.ly/yt-bw-vault

00:00 Introduction to Roth IRAs and Limitations

00:51 Roth IRA Contribution Limits

02:49 Why does the Government Limit Roth IRA Contributions?

04:37 Perspective on Government-Sponsored Plans

05:49 Backdoor Roth IRA Strategy

06:23 Steps for a Backdoor Roth IRA

08:41 Common Mistake: The Pro-Rata Rule

12:06 Filing Requirement for Non-Deductible Contribution

13:06 Mega Backdoor Roth Strategy

15:17 Example of Mega Backdoor Roth Contribution

16:47 Mega Backdoor Roth Conversion Options

18:17 Eligibility Requirements for Mega Backdoor Roth

19:20 Solo 401k for Business Owners

20:28 Summary and Final Thoughts on Backdoor Roths

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn exactly what all of the life insurance health ratings are and how they will impact your policy performance. Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset ====================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Is IBC with Lafayette a good choice? In this videos, Caleb Guilliams and Alden Armstrong review Lafayette Life Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more!

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Want the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide

00:00 Introduction

01:06 Lafayette Life Company Overview (History, Structure, and Financials)

02:14 Key Financial Metrics

06:00 Lafayette Life and Infinite Banking (IBC) Positioning

07:21 Lafayette Life's Product and Design Strategy

08:44 Cash Flow Design

13:24 Front-Load Design

16:30 How Loans Work with Lafayette Life

18:30 Paid-Up Additions (PUA) Flexibility

21:34 Summary of Lafayette Life (Advantages and Disadvantages)

26:22 Agent Perspective and Conclusion

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn how Infinite Banking expert, Jayson Lowe ( ⁨@BankersVault⁩ ) structures his family banking system and the frameworks he uses with his own family to teach the process and create a legacy.

Watch Part 1: How to Create a Family Banking System Using Life Insurance - https://youtu.be/O_E-y2n2fzQ

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Learn More About BetterWealth: https://betterwealth.com

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn how to use Infinite Banking to build a real estate empire step-by-step. In this full breakdown, we walk through exactly how to start using your policy, how to analyze deals, how to know which opportunities are worth investing in, and when it’s the right time to borrow. We also break down real case studies with actual numbers on the whiteboard and reveal the exact frameworks Chris Miles ( @moneyrippleswithchrismiles ) uses to grow his real estate portfolio using Infinite Banking.

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Get your tickets to the life insurance summit 2026 - https://thewholelifesummit.com/

00:00 - Introduction

00:25 - Real Estate Investing

01:11 - Tax Write-Offs for Interest

01:20 -Who Is Chris Miles?

03:07 - New Book and Writing Experience

06:05 - The Work Optional Blueprint

06:56 - Get Lean

07:18 - Get Liquid

07:52 - Get Out

08:08 - Vetting Investments and the Role of the Operator

10:05 - Red Flags in Investments

13:44 - Risk vs. Return Philosophy

15:15 - Importance of Liquidity and Emergency Funds

24:52 - Warren Buffet's Money

30:43 - 6% Tax Free

36:08 - Investment Flow: Lending Fund

43:54 - When Infinite Banking Doesn't Make Sense

49:03 - How do People Determine What They Say Yes and No?

59:55 - Where Do You Put Their Money?

01:03:09 - How You View Your Life Insurance and How You Invest?

01:14:37 - Why do You Say Avalanche is the Way of Paying Debt?

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Learn More About BetterWealth: https://betterwealth.com

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DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice.

Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Is IBC with Guardian a good choice? In this videos, Caleb Guilliams and Alden Armstrong review Guardian Life Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more!

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Want the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide

______________________________________________

Learn More About BetterWealth: https://betterwealth.com

====================

DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice.

Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.