In this episode, Mike and Jordan get practical about putting an Infinite Banking (IBC) policy to work. We cover when to borrow against cash value versus pay cash, how to set a simple repayment rhythm that keeps compounding uninterrupted, and ways owners use IBC for real needs—equipment and truck cycles, payroll seasonality, taxes, and opportunity funding. You’ll hear guardrails for loan-to-value, premium discipline, and avoiding common pitfalls like over-borrowing or letting interest snowball. We also touch on using outside bank lines alongside policy loans, recordkeeping that keeps you sane, and coordinating with your CPA. Educational only. Not tax, legal, or accounting advice.