Save Yourself Podcast

Curious about Infinite Banking but not sure what actually happens when you reach out? In this episode, Jordan Cole and Mike Schwallie walk through exactly what to expect when you engage with Unlimit Wealth — from the first conversation to a funded policy and beyond.

They break the process into three phases: engagement, qualification, and implementation. Engagement is about fit — getting to know each other, understanding your goals, your cash flows, your family dynamics, and whether IBC is the right strategy for your situation. Qualification moves into the medical and financial underwriting process, where Unlimit works as independent advisors to find the right carrier for your specific profile — not just the one they happen to work with. And implementation is where the policy gets funded, capital gets put to work (often within the first five business days), and the long-term coaching relationship begins.

Jordan and Mike are clear that this isn't a set-it-and-forget-it transaction. The implementation phase lasts years — sometimes decades — and the goal is to be ongoing partners in how clients build, use, and expand their system over time. The podcast itself is part of that philosophy: the more you understand going in, the faster you can move from education to action.

One of the most common points of confusion in Infinite Banking is the tension between two things advisors say in the same breath: use the money right away, and think long term. In this episode, Brad Lowe and Mike Schwallie resolve that tension by walking through the full lifespan of a properly structured whole life policy — from the day you fund it to the day it's funding your retirement.

They break it down into three distinct phases. The capitalization phase — roughly the first five to seven years — is when you're building the bank, starting the compounding process, and ideally putting capital to work within the first thirty days. The utilization phase is when the policy starts to cook: cash access accelerates, wealth creation picks up, and the strategy starts to visibly outperform what you would have done otherwise. And the legacy phase is when the faucet flips — tax-free income drawn from a policy that has compounded for decades, with a death benefit still waiting for whoever comes next.

Brad and Mike also touch on how the tax-free nature of these contracts can do more than just generate retirement income — it can actively reshape your overall tax picture by giving you a bucket of capital the IRS can't touch, which opens up strategies most people never get to use.

Not all life insurance is created equal — and when it comes to Infinite Banking, the product you choose matters as much as the process. In this episode, Jordan Cole and Brad Lowe walk through the life insurance spectrum from term to single premium, explaining exactly where a properly structured dividend-paying whole life policy fits, why it's the vehicle of choice for IBC, and what separates it from the indexed and variable products that often get lumped into the same conversation.

Brad and Jordan break down the Modified Endowment Contract line — the IRS boundary that determines whether a policy stays tax-free or gets treated like a qualified plan — and how Unlimit Wealth designs policies to sit as close to that line as possible, maximizing cash value while preserving the tax advantages that make the strategy work. They also cover the role of the paid-up additions rider, how dividend elections compound the policy's efficiency over time, and why mutual carriers matter when you're building a long-term banking system rather than just buying a product.

If you've ever wondered why whole life insurance specifically — and not term, IUL, or VUL — this episode answers that question directly.

Most people sit down with a financial advisor expecting to talk about investing. Jordan Cole and Mike Schwallie want to change that conversation from the start. In this episode, they break down one of the core distinctions at Unlimit Wealth — the difference between the product (whole life insurance) and the process (Infinite Banking) — and why understanding both is essential before implementing the strategy.

Jordan and Mike walk through what an ideal savings vehicle actually looks like: competitive returns, liquidity, tax advantages, creditor protection, and the concept that separates IBC from everything else — uninterrupted compounding. From there, Mike dives into what it means to treat your money as if it has a cost, how policy loans let your capital work in two places simultaneously, and why Nelson Nash compared the whole life policy to a warehouse — not because of what it is, but because of how money flows through it.

The goal isn't to change your cash flow, take on more risk, or work harder. It's to be more intentional with the dollars already in motion.

Join us as we revisit the basics, with a 101 course on Infinite Banking with a refresher of the human behavior roadblocks that keep most people from being able to build and maintain wealth. Jordan Cole and Brad Lowe take us through an intro course with a reminder on how to think about money in an effective and healthy way. 

Join us as we revisit the basics, with a 101 course on Infinite Banking, who it best serves, and how to properly leverage it to find financial freedom. Jordan Cole and Brad Lowe take us through an intro course with a reminder even someone with a policy or two could still benefit from listening to. 

Every dollar of capital has a cost — whether you recognize it or not. Economic Value Added (EVA) is the principle that all capital on your balance sheet must be assigned its true cost, including money you borrow from yourself. In this episode, Brad Lowe and Mike Schwallie break down how applying EVA thinking to your IBC policy changes the way you account for capital, and why repaying the cost of that capital — even internal borrowing — is what separates disciplined wealth-building from simply moving money around.

Most people never realize how much wealth silently leaks out through the interest they pay to banks and lenders — money that could be working for them instead. In this episode, Brad Lowe and Mike Schwallie walk through one of the foundational principles from Nelson Nash's Becoming Your Own Banker: what the "financial problem" actually is, and how the Infinite Banking Concept gives you a practical system for redirecting that lost interest back into your own financial ecosystem.

In this episode, Mike sits down with returning guest Nolan Sanburn to talk about using an Infinite Banking policy alongside syndicated real estate. They cover practical moves for LPs and GPs, including funding commitments from cash value, bridging capital calls, handling earnest money and co-invest, and recycling distributions back into the policy. You will hear guardrails for loan-to-value, managing interest, and when to favor a policy loan versus a bank line. The team walks through a simple timeline for a 100k commitment and the recordkeeping that keeps both the deal and the policy on track. Educational only. Not tax, legal, or accounting advice.

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.