Infinite Banking is a process that must be both capitalized and implemented. Desire is key! No one will do this for you. Capitalization without implementation will leave you missing out on the greatest financial tool you have available, your money and your imagination! There is also cost of acquisition. It takes money to make money, buy you don't need a lot to get going! It's not about rates of return or investments of any kind. It's about being deliberate about recapturing the interest you are needlessly paying others.