Infinite Banking is like a paradigm shift to understand how these financial tools work in concert with each other.

This episode is part 2 of my conversation with The Founders of Infinity Investment Strategies, Erica Neal, and David White. They are wealth strategists who work with business owners & real estate investors on managing their cash flow and liquid assets through the most efficient strategies.

If you weren’t able to follow this episode, please go back and listen to part 1.

Let’s jump right into Their fantastic success journey and learn more about the Infinite Banking Concept plus all of their strategies.

[00:01 - 05:19] How Infinite Banking Concept Works on Real Estate

• Erica talks about the feedback from her friends and clients who are in multifamily.
• • You can not take a depreciation deduction if you invest with the self-directed IRA.
  • Restricted access to funds
  • Possible UBI taxation
• Erica talks about how the Infinite Banking concept could be the solution for many issues in real estate.
• • You can take the depreciation deduction
  • Taking the real estate tax benefit as well as adding more
• Infinite Banking is also known as the Rich Man ROTH.
• • No income or contribution limit
  • Guaranteed growth element
  • Full control of liquidity

[05:20 - 12:29] Four Pillars of Infinite Banking

• Lower taxes
• • A lot of tax benefits now and later
• Increase leverage
• Increase Control
• • You are in control of your money and the terms.
• Lower risk.
• • A completely separate asset class
• David talks about the legacy and passing down wealth.
• • How much of what we have created will go down to our kids and the state tax.
• Protection for your assets.
• • Mitigating wealth eroding factors
• There are no bad financial products. Just bad strategy and implementation.
• • each financial product are made for something specific

[12: 30 - 23:05] The Foundation of Infinite Banking Concept

• David talks about two economic powers in the financial world.
• • Array to return/Investment Power; anything that can fluctuate in values
  • Actuarial science; the ability to use a product to predict the growth and cash value accurately
• You are combining something in your financial tools where Pros offset the Cons.
• Infinite Banking is like a paradigm shift to understand how these financial tools work in concert with each other.
• Erica talks about the foundation of The Infinite Banking Concept.
• • It is predicated on what Albert Einstein called the eight wonders of the world.
  • Take advantage of the Compound interest curve.
• David shares some analogies to explain more about Infinite banking.
• • Increase the arbitrage on the landing
  • Analogy in the rate of return
• David talks about leveraging our own money and reducing the amount of money we give to the bank.
• Infinite banking is not a massive growth strategy but a way to accelerate what you are doing in real estate.
• • Recapture interest back to your pockets
  • It gives you more money to grow and reduces the wealth eroding factors along with the way.

Tweetable Quotes:

“In Infinite Banking, you can take the depreciation deduction and take the real estate tax benefit as well as adding more.” - Erica Neal

“There are no bad financial produ