February 04, 2025

Savings vs. Investing & Where IBC Fits In

28 minutes

Episode 5: Savings vs. Investing & Where IBC Fits In

Welcome back to The IBC Guys Podcast! In this episode, Mike and Dave tackle a common question: What’s the difference between saving and investing, and where does Infinite Banking (IBC) fit in? We break down the definitions of saving and investing, discuss how most people confuse the two, and explain why IBC is neither—it’s a cash flow system that helps you recapture money you’re already spending.

We also play a quick game of "Is it Saving or Investing?" to challenge the way you think about your money. Plus, we share real-life examples of how people are using IBC to redirect everyday expenses—like groceries, mortgage payments, and even cell phone bills—back into their own financial system.

If you've ever wondered, "Is IBC a good investment?" this episode is for you. Spoiler: IBC is not an investment, and we explain why that’s actually a great thing.

What You’ll Learn in This Episode:

The true difference between saving and investing

Why most people mistakenly think their retirement accounts are savings

How IBC helps you recapture money that would otherwise leave your household forever

Why your truck payment, mortgage, and even grocery bill are already part of your financial picture—and how IBC can optimize them

How to shift your mindset from investment-focused to cash flow-focused

Key Quotes:

“IBC is not an investment. It’s a cash flow system that helps you retain more of the money you already spend.”

“You’re not going to take your mortgage payment and put it into the stock market. So why not put it into IBC first and gain control over that cash flow?”

“What’s the rate of return on your grocery bill? Zero. But with IBC, that money stays in your system and continues to work for you.”

Reach out to us, for a free consultation to see how IBC fits into your current financial situation. We’re here to help!

Schedule a call now by clicking this calendar link: https://calendly.com/dave-familybankingsolutions/30min

or call/text us directly at 507-205-2284

Connect with us:

Website: https://familybankingsolutions.com/

Social Channels:

Dave’s Facebook: https://www.facebook.com/dave.parmerlee

Dave’s Instagram: https://www.instagram.com/dave_ibcguys/

Dave’s Linkedin: https://www.linkedin.com/in/david-parmerlee-121bb3293/

Mike’s Facebook: https://www.facebook.com/profile.php?id=100090029017545

Mike’s Instagram: https://www.instagram.com/mike_ibcguys/

Mike’s Linkedin: https://www.linkedin.com/in/mike-stevens-962186336/

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By daveibcguys

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