Infinite Banking Mastery

It's normal to have questions and concerns about Infinite Banking. But where do you find honest sources who can tell you what you need to know?

Look no further. Today I'm here to share the pros and cons of Infinite Banking.

You'll get to hear my long list of pros, and listen as I dig deep into criticisms against IBC so we can look at it fairly and set the record straight.

Listen now!

Show highlights include:

• Compatibility Check: Why IBC works with velocity banking, and why you might like using IBC better than a HELOC. (1:05)
• Simple way to create generational wealth without winning the lottery or being an A-List celebrity. (3:01)
• Why the uber-wealthy love whole life insurance while you think an IRA is good enough. (4:44)
• "Antifragile" secret that keeps IBC immune to the ups and downs of the market. (5:52)
• How to use IBC so you'll never have to fear "cancel culture." (8:51)
• "Universal life" and "whole life" sound the same, but this key difference is why you can't afford to confuse the two. (9:01)
• Why IBC is wrong for impatient and impulsive people. (12:37)
• Unraveling the high premiums myth about whole life insurance, so you don't get tricked into ignoring a tremendous wealth-building vehicle. (15:04)
• "Think like a banker" secret helps you see opportunity where others don't. (16:15)
• How you can still leverage whole life insurance, even if you can't pass a physical. (18:05)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

The prime way the rich get and stay rich is by leveraging other peoples' money (OPM). But if you aren't rich you might be wondering: how can I find some OPM to get started?

If so, then this episode is for you. That's because I'm sharing a long list of sources you can consider. Plus, I'll also explain why whole life insurance is my favorite way to use OPM to grow wealth of your own.

Listen now!

Show highlights include:

• Where to look for OPM so you don't get left behind financially. (2:48)
• The difference between angel investors and venture capitalists. Good to know if you're seeking money for your startup. (3:19)
• What a secured loan really means and why it isn't as safe as it sounds. (5:24)
• Why unsecured loans can be impossible to get when you need them most. (5:42)
• Clever strategy to finally make your credit card work for you. (5:56)
• Why whole life insurance is one of the best ways to use OPM. (8:07)
• How financial experts keep you behind the 8 Ball, broke and stuck, by encouraging you to get out of debt. And what to do instead. (9:30)
• Surprising way good debt keeps the rich rich and the poor poor. (11:49)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You know you can borrow against the whole life insurance policy in your IBC, and that repaying it with extra interest is like paying yourself back.

But does that mean all the interest you pay is going right back to you?

Not exactly.

This is a topic that can get confusing, so today I'm here to set the record straight. You'll have a better understanding of what's going on with those interest payments, and be reminded of why Infinite Banking is superior to consumer loans from the bank.

Listen now!

Show highlights include:

• Why loans in your Infinite Banking setup give you repayment options so flexible it could make Gumby jealous. (1:12)
• "Owner mindset" shift that transforms your thoughts on paying interest and puts the insurance company on your side. (2:50)
• Surprising reason you aren't required to repay interest when you borrow against your whole life policy, and the painful consequences if you abuse this feature. (4:09)
• Why you should always pay your loan back, except in this one situation (completely legal and ethical) that benefits you the most. (5:22)
• Why your Infinite Banking system keeps growing, even when it seems like it won't. (6:14)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Everybody's heard about inflation, but most people don't know much about it. And the government and banks seem all too happy to keep it that way.

But this topic is so important even John Adams was sounding the alarm about it all the way back in the 1700s!

Inflation can be hard to explain in academic terms, so today I'll share a story that illustrates what inflation is, and how it does so much damage. It's ripped from the Roman Empire, but you'll see the parallels to your country today.

You'll also see why it's important to protect yourself from inflation as best you can, and one way to do it.

Listen now!

Show highlights include:

• Why undisciplined government spending always leads to inflation. (2:55)
• How even a slight manipulation to currency sends shockwaves through the entire economy and strangles your spending power. (3:05)
• Real reason the Roman Empire collapsed, and why other nations are at danger of the same fate. (7:20)
• What to say next time you're in the grocery store so you don't blame high prices on the wrong source. (8:30)
• Sneaky way banks contribute to inflation. Your mortgage or car loan could be part of the problem. (8:34)
• Legal way to protect your money from traditional banks so they can't make inflation even worse. How it helps you and your country. (8:45)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard plenty of savings advice. But you might be wondering if conventional wisdom really is the best.

Well did you know sometimes banks will encourage you to follow one strategy while they operate on a different one?

In this episode I'll tell you what they do so well, and how you can adopt their strategy yourself to plan for retirement more effectively.

I'll also explain why you should be building a "ginormous" nest egg, and a few things to look for so what you're building doesn't get crushed by things you can't control.

Listen now!

Show highlights include:

• Simple test to know whether you should use money to save or to invest. (0:37)
• How much of your nest egg should be in investments? Here's what Valerie thinks. (1:33)
• The "diversified" lie that makes you feel secure but can put all your assets at risk. (2:45)
• Earn on the money you spend? Sounds impossible, but here's how to do it. (3:24)
• The perpetual motion strategy banks use to make their money work for them. And how you can use it too. (5:10)
• Einstein's insight on compound interest. Why knowing this one thing can be the difference between lifelong money struggles or a secure retirement. (6:47)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard the downsides of term life insurance and now you're wondering: "Why would I ever buy term?!"

But the truth is, there are times where it's a smart move. And in today's episode I'm sharing a boatload of reasons term life insurance can make sense for you or your loved ones.

Listen now!

Show highlights include:

• How to use term life's flexibility so you get the death benefit you need without a premium you can't afford. (0:52)
• Why you should go through underwriting right away, even if you don't think you can afford life insurance yet. (2:27)
• Surprising way term life lets you maximize your pension benefits. (4:27)
• How smart business owners use term life insurance to save their business when misfortune strikes. Works for partnerships too. (8:03)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Critics of Infinite Banking say term life insurance is the way to go. And while I believe there's a place for term insurance, that doesn't mean it's for everybody. And there are things you should know that you can't expect to hear from the people who sell and promote it.

In this episode I'm sharing important downsides so you can know when term insurance makes sense for you, and when it doesn't. And I'll give you some warnings so you don't let a good use of term insurance accidentally wreck your financial planning.

Listen now!

Show highlights include:

• Are those low premiums worth it? The shockingly low term life insurance pay rate. (1:17)
• When term insurance actually makes sense. (2:00)
• How term life lulls you into a false sense of security that leaves you exposed to financial hardship. (2:31)
• Overlooked term life renewal factors that could empty your wallet or leave you uninsured when you need it most. (3:23)
• How a healthy husband's simple oversight left his wife in financial straits. And how to make sure this could never happen to you. (5:44)
• Buy term now and convert to whole life later? Sounds smart. But beware this sneaky thing companies do that can topple your strategy. (7:00)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've learned enough about the benefits of Infinite Banking you're starting to wonder: Why doesn't everybody know about this!

Is it a conspiracy?

A plot to keep you in the dark?

Not exactly.

There's a simpler (but still serious) explanation, and I'm sharing it in today's episode.

Plus, I'll give you a peek "behind the curtain" at what goes through the mind of an average agent when they're introduced to IBC.

Listen now:

Show highlights include:

• Does your advisor suffer from "arrival syndrome"? What to look for, and why it robs you of the best service you can get. (1:27)
• The simple way to introduce people to IBC, even if you stink at explaining things. (3:36)
• Surprising indicator your advisor is a cheapskate, and why to avoid them if they are. (5:43)
• The #1 resource to learn IBC. Spoiler: It's not social media, or even a podcast. (6:54)
• Selfish financial incentive that may be what keeps some advisors from promoting IBC, even if it's the best strategy for you. (7:53)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You don't like to think about it. But you know that in a blink something could happen that leaves you financially responsible for a fortune.

But you don't have a fortune. So now what? Can creditors or the government come after everything you have? Even your life insurance?

This is a complex issue, with parts that vary by state. But on today's episode I'll help you understand the basics so you can know what protections you might have.

Listen now!

Show highlights include:

• Exemption exclusions you need to know about. Especially if your policy is tied up in a loan. (3:33)
• Does Uncle Sam get to know everything about you? The secret you can legally keep from the IRS. (4:51)
• Surprising "FAFSA advantage" helps you save for your child's college education and still qualify for financial aid. (5:22)
• Why you should use IBC to save for your child's college fund, especially if you aren't certain they'll go to college. (5:43)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You know that IBC is built on cash value whole life insurance policies, so you might think term life isn't worth your attention.

Don't be so sure!

It turns out, term life insurance can make it easier for you to build your banking system. Especially if you're just starting, or have a limited budget.

In this episode I'll clarify one important feature of term life insurance: how to convert it into a whole life policy. I'll also explain when a term life policy is right for you, the difference between a term life policy and a term life rider, and what makes term life insurance so great in the right situations.

Listen now!

Show highlights include:

• How your existing term life insurance can grow your IBC without another bothersome nurse visit. (1:13)
• Why IBC beginners should also consider term life. (1:36)
• The crucial difference between a term life policy and a term rider, and why knowing this can save you from an expensive mistake. (3:50)
• Infinite Banking's "build it backward" approach so your new whole life policy works for your goals and budget. (6:55)
• Why term life insurance's flexibility could make Gumby jealous. (9:07)

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