Infinite Banking Mastery

Everybody thinks about retirement.

Not everybody thinks about how they'll have the cash flow they need to enjoy retirement.

Today I'm here to help you with that. I'll explain four different options for retirement cash flow so you can see which ones make sense for you.

Listen now!

Show highlights include:

• Cash Flow vs. Big Pile of Assets: Which one is better, and how to get them playing on the same team for even better results. (0:48)
• Potent "1-2 Punch" Whole Life insurance delivers in retirement years. (1:39)
• Why borrowing against your Whole Life Insurance cash value in retirement beats loans from commercial banks. (1:50)
• Simple but proven borrowing strategy to ensure you'll have the cash you're counting on when you need it most. (2:18)
• Thinking about partial withdrawals? Here are the "pros and cons" to weigh so you can make the right decision for youself. (3:08)
• Why Uncle Sam loves it if you terminate your Whole Life Insurance policy. (3:45)
• Safely navigate the "annuity maze" with this high-level overview of the different annuity types. (6:29)
• How to leverage Whole Life Insurance to easily double your cash-flowing assets. It's legal, ethical, and more popular than ever. (8:20)
• Surprising way a part time job could increase your Social Security benefits by 8 percent each year. And how to decide if it's worth it. (9:28)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Your savings options are limited if you want to access money tax free: there are Roth IRAs and cash value life insurance.

You won't know which option is best for you without taking a closer look, so in this episode I'll give you an honest overview and explain why I always prefer Whole Life insurance.

Listen now!

Show highlights include:

• How Whole Life spares you the headaches of calculating income and worrying about restrictions. (4:51)
• Why a savings account you can access tax free is essential to future proof your finances. (5:51)
• Is Uncle Sam a good business partner for you? Knowing this one thing will help you decide. (5:59)
• The "1-2 Punch" of Whole Life insurance to spare you from market volatility and still gain value. (6:40)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard about Index Universal Life (IUL) policies, and the benefits sound great: Who wouldn't like the sound of getting to enjoy (limited) climbs in the stock market while being protected against crashes.

But these policies have real dangers too many people don't know about, like losing cash value or even the policy, and are not great for practicing IBC.

Thankfully you don't have to be one of those people. Because in this episode I'll tell you what you need to know when considering IULs. I'll also reveal sneaky things agents have said and done to lure unsuspecting clients so they won't be able to hook you into something you'll regret.

Listen now!

Show highlights include:

• How I went from mesmerized to "wide awake" about the reality of IULs. (2:28)
• Why IULs become a "ticking time bomb" ready to blow up when clients need them most. (4:37)
• The real-life nightmare lurking behind the first policy loan clients took from a IUL. Don't let this debilitating expense surprise you too. (8:38)
• Experienced attorney–with more than 300 cases in four years–reveals red flags to look for to keep yourself out of financial harm's way. (9:44)
• Simple reason you can't be diversified if you're only in the stock market. And how to truly diversify instead. (12:28)
• Shady recommendations used by real agents. Run away if you ever hear these used on you! (13:03)
• Shocking truth: Why a lot of agents and reps don't really understand the products they sell. (18:33)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard the advice: If you can afford it, get a 15-year mortgage because of all the interest you'll save compared to a 30-year mortgage.

It's true you'd pay a lot less interest to the bank on a 15-year mortgage, but does that make it the best decision?

In this episode I'll explain what else you should consider before tying up extra income in a 15-year mortgage, and why in most cases there's a better way to approach it through whole life insurance and the Infinite Banking Concept.

Listen now!

Show highlights include:

• Half truth: What typical 15-year mortgage advice gets right, and what it misses at the same time. (1:18)
• How to make more money using IBC than you'd get in saved interest from a 15-year mortgage. (2:20)
• Why the method that works best mathematically (and doesn't involve whole life insurance) gets wrecked again and again by Parkinson's Law. (5:30)
• The HELOC "money mirage" that could leave you powerless when you need to borrow the most. (7:48)
• Overlooked reason why paying cash for a big purchase is like lighting money on fire. (8:06)
• The Great Equity Debate: Head-to-head comparison of home equity vs. whole life equity. (9:41)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You know without financial literacy your kids will become sitting ducks for credit card companies. But when do you start teaching? And how can you do it without boring them?

In this episode I'll share appropriate ages to begin (and advance) a child's financial education, key topics to cover, and how to create teachable moments they'll remember.

Listen now!

Show highlights include:

• Why you can start teaching kids about money sooner than you think. (1:46)
• How Dollar Tree can teach your kids about taxes. (2:06)
• Forgotten fundamental, rarely taught in school anymore, that shields your child from the allure of credit cards. (3:42)
• The Great Allowance Debate–Why giving your child an allowance could leave them unprepared for adulthood. (4:54)
• Simple "10-10" Rule to teach children about giving and saving. And how one modification makes it great for adults too. (11:23)
• Double Trouble looming for retirement savings locked up in IRAs or 401Ks. Many don't realize the danger until it's too late and costs a small fortune. (13:22)
• Ideal age to give your child Nelson Nash's book, and how to help them grasp harder concepts. (15:34)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Infinite Banking is meant to help you take control of the banking function of your life, and keep your savings safe from the volatility of financial markets.

But lately some self-proclaimed IBC specialists are setting their clients up with a type of permanent life insurance that looks good on paper, but actually exposes their savings to the same type of uncertainties they were trying to avoid in the first place.

In this episode I'm sounding the alarm! I'll explain what these policies are, why the information used to promote them is never an accurate picture, and what you should do to actually keep your savings safe.

Listen now!

Show highlights include:

• Agent says he's an IBC specialist, but wants to hook you onto an Index Universal Life policy. What to know before you take the bait. (0:39)
• Surprising guarantee tucked into IULs that are a boom for the company, but a bust for your wallet. (4:27)
• Asset or investment? The best way to look at life insurance, and why approaching it the wrong way is an expensive mistake. (8:37)
• Why people who hate inflation love Whole Life insurance companies. (11:20)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

We might be in a new year, but the important principles Nelson Nash taught in Becoming Your Own Banker remain timeless.

That's why in this episode we're diving deeper into the book for more important takeaways. I'll share what Nelson called "The Golden Rule," and why treating your whole life insurance plan like a business startup can change your outlook (and results) for the better.

Listen now!

Show highlights include:

• "Golden Rule" (not the one from the Bible) that's crucial to your financial wellbeing. Fail to learn this and you'll always struggle. (2:39)
• How your feelings keep you in financial prison, even though the door is unlocked. (3:26)
• Overlooked fact of the U.S. Constitution that's a breath of fresh air against suffocating government spending. (4:33)
• Entitlement trap snaring the country, and why it hamstrings your ability to thrive. (5:31)
• Why Japanese business philosophy can make your IBC strong from the start and better in the long run. (5:55)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

You owe the US Government $519,000 (and growing).

That's how much you (and every other American) needs to pay in order to bring down Uncle Sam's debt. What's even crazier is this:

According to retirement expert Ed Slott, the Federal government can increase their percentage of your savings whenever they need more money — and that day is coming soon.

So the question is, how much will the government take away from your retirement account?

In today's episode, I reveal how you can avoid the government legally taking more of your hard earned money.

Listen now!

Show Highlights Include:

• The US government owes over $173,000,000,000,000 in unfunded liabilities. Check out this website to see the exact breakdown U.S. National Debt Clock : Real Time (usdebtclock.org) (3:25)
• How to get to a 0% tax bracket (and transform your retirement) by clicking "add to cart" (4:47)
• The four letter word that explains why your tax rate could double (or else the country could go bankrupt) (6:05)
• Excited to get a tax break in 2023? Here's why doing so could force you to pay taxes at a rate as high as 48% (like in Australia) (7:24)
• Are you a sitting duck for a revenue hungry Uncle Sam? (8:05)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Walt Disney, JCPenney, and Ray Kroc.

What do all these ultra-wealthy individuals have in common? They all possess, "The Secret of the Affluent", as coined by the New York Times. In layman's terms, they all got ahead in life, not by spending their own money, or taking out a loan, but…

By borrowing against their whole life insurance policy!

So, why do the ultra-wealthy leverage whole life insurance policies?

Deposit amounts are unlimited (and NO income limitations) No tax on the growth of your account No tax when accessed either (if structured correctly) Any money left over for your children and grandchildren can NOT be taxed by the money hungry federal government.

Sounds pretty good, right?

Well, in today's episode, I reveal a few more tricks the ultra-wealthy do to amass true wealth, while paying as little in tax as possible.

Listen now!

Show Highlights Include:

• The counterintuitive way to earn an extra $2,000 by spending $3,000 (1:11)
• Bank won't provide a loan to start your business? Use the "Walt Disney" source of finance to kickstart your entrepreneurial journey (2:12)
• How Ray Kroc, the founder of McDonald's, used "The Rich Man's Roth" to create the McDonald's empire (3:51)
• Access your life savings — tax free — with Tony Robbins' "Private Placement Life Insurance" (6:03)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

Elon Musk can be polarizing, but like him or not he's saying something about government spending you ignore at your own peril.

That's why in today's episode we're taking a closer look at the alarm bell he and others are ringing loud and clear. You'll know why this matters so much, and why you should urgently protect your savings from the volatility lurking around the corner for the American economy.

Listen now!

Show highlights include:

• Do you suffer from the Ostrich Effect? Why so many Americans put their head in the sand and ignore the national debt. (2:10)
• Shocking "bottomless pit" the government shovels money into. Swallows even more tax dollars than the military and leaves you with nothing to show for it. (3:30)
• True source of inflation they don't want you to know about. (3:47)
• Can it really be that bad? What would happen if the national debt remains unaddressed. (5:38)
• Why 53 trillion is the scariest number in economics. (6:05)
• Real reason Social Security is on the brink of collapse. (8:42)
• Why conventional retirement accounts have a giant bullseye irresistible to politicians hunting for funds. What to do to protect your savings instead. (11:40)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)