Join me on this episode of the Capitalizing Your Life Podcast as I sit down with Jesse Durham to unpack one of the most misunderstood—but powerful—financial strategies out there: the Infinite Banking Concept.

Jesse shares his personal journey into Infinite Banking, which began back in 2015, and explains how it completely transformed the way he thinks about money, banking, and financial control. This conversation goes far beyond policies and numbers—it’s about the mindset shift required to truly become your own banker.

We dive deep into why financial education is the missing link for so many families, how reserve capital creates freedom and opportunity, and why understanding the banking function in your life changes everything. Jesse also breaks down the key differences between Infinite Banking and Velocity Banking, helping clarify where each fits—and where confusion often creeps in.

At its core, this episode is about more than personal finance. It’s about building legacy, passing down financial literacy to the next generation, and positioning yourself to handle both the obstacles and opportunities life throws your way.

In this episode, we cover:
✔️ Jesse Durham’s journey into Infinite Banking and the lessons learned since 2015
✔️ Why Infinite Banking is a mindset first—not just a financial product
✔️ The critical role of financial education in long-term wealth building
✔️ Why reserve capital is essential for stability, opportunity, and peace of mind
✔️ Infinite Banking vs. Velocity Banking—and how cash flow really works
✔️ How discipline and intentional decision-making drive financial independence
✔️ Teaching financial principles to your family and future generations
✔️ Why awareness of the banking function is key to lasting wealth
✔️ How to build legacy through education, not just money

As Jesse puts it, “You can’t unsee what you’ve seen.” Once you understand how money truly works, there’s no going back—and that awareness can change the trajectory of your life and your family forever.

Episode Links:
YouTube: https://www.youtube.com/c/jessewdurham
https://durhamtalents.com/
@JesseWDurham-DurhamTalents

👍 If this episode challenges the way you think about money, make sure to like, subscribe, and share it with someone who’s ready to take control of their financial future and truly capitalize their life.

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THE CAPITALIZING YOUR LIFE PODCAST
https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

Join me on this episode of the Capitalizing Your Life Podcast as I sit down with Nate Dean to unpack one of the most misunderstood—and most powerful—wealth-building philosophies out there: The Infinite Banking Concept (IBC) and what it truly means to Become Your Own Banker.

Infinite Banking isn’t something you simply learn from a chart or a spreadsheet—it’s something you catch by doing. In this conversation, Nate and I go beyond surface-level explanations and dive into the seen and unseen value of IBC: control, freedom, cash flow, and legacy. We tackle common misconceptions around life insurance, why most people misunderstand loans, and why focusing on cash flow matters far more than obsessing over net worth.

We also explore the often-overlooked role of the death benefit—not just as protection, but as the foundation that gives you permission to spend, invest, and live intentionally without fear. This episode is about education, discipline, and understanding the human life value behind every financial decision.

This isn’t about chasing rates of return or financial hacks—it’s about building a system that works with your life, not against it.

In this episode, we cover:
✔️ What “Becoming Your Own Banker” really means in practice
✔️ Why Infinite Banking is caught more than it’s taught
✔️ Reframing loans as a tool—not a liability
✔️ The overlooked power of the death benefit in IBC policies
✔️ Why education is the missing link for most people using IBC
✔️ The seen vs. unseen value of Infinite Banking
✔️ Cash flow vs. net worth—and why cash flow wins every time
✔️ Common misconceptions about life insurance and IBC
✔️ Why life insurance is about far more than rates of return
✔️ How legacy planning can help recover financial mistakes made earlier in life

Key themes explored in this episode:
• Infinite Banking as a financial operating system
• Cash flow as the true measure of financial independence
• Life insurance as a tool for control, certainty, and legacy
• Building wealth while honoring human life value

Episode Links:
YouTube: https://www.youtube.com/@UCtWpviPvoNWk4Sw3px9AvHg 
LinkedIn: https://www.linkedin.com/in/nate-dean-6b5600248/
Facebook: https://www.facebook.com/chroniclesnate
Twitter: https://x.com/cashflowlegendz
https://3mpbook.com/

👍 If this episode helps you see money—and life insurance—through a new lens, like, subscribe, and share so more people can learn how to truly capitalize their life.

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THE CAPITALIZING YOUR LIFE PODCAST
https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

Join me on this solo episode of the Capitalizing Your Life Podcast as I dive into one of the most overlooked financial challenges today: surviving—and thriving—in a 100% commission-based career.

If you’re in real estate, sales, or any performance-driven profession, you already know the truth: income volatility isn’t a possibility—it’s a certainty. Yet most financial advice completely ignores this reality. In this episode, I break down why traditional investing strategies often fail commission-based professionals and how building a sustainable financial system is the real key to long-term success.

We talk about risk tolerance, market cycles, and why agents who make it through downturns don’t just survive—they dominate. I explain why liquidity, efficiency, and control matter more than chasing returns, and how the Infinite Banking Concept (IBC) can serve as a financial shock absorber during both high-income seasons and market slowdowns.

This conversation isn’t about fear—it’s about preparation. When your financial system works regardless of market conditions, stress goes down and opportunity goes up.

In this episode, I cover:

✔️ The hidden risks of 100% commission income
✔️ Why volatile careers demand safer capital strategies
✔️ Understanding your true risk tolerance
✔️ How Infinite Banking creates stability in unstable markets
✔️ Building cash flow that survives market downturns
✔️ Why efficiency and liquidity matter more than returns
✔️ Preparing for low-income periods without panic
✔️ How top-performing agents structure their finances differently
✔️ Escaping financial fear by building a sustainable system
✔️ Creating long-term wealth in commission-based careers

Why Infinite Banking Works for Commission-Based Professionals:

• Stores capital efficiently during high-income periods
• Provides liquidity when commissions slow down
• Creates uninterrupted growth through market cycles
• Supports cash flow without selling assets
• Builds confidence instead of financial anxiety

👍 If this episode helps you rethink how money should work in a commission-based career, like, subscribe, and share—so more professionals can learn how to build a financial system that works no matter the market.

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THE CAPITALIZING YOUR LIFE PODCAST
https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

In this episode of Capitalizing Your Life, I sit down with my good friend Gary Pinkerton, host of Gary’s Gulch Podcast, entrepreneur, Certified Exit Planning Advisor (CEPA), and a strong advocate for personal agency, financial freedom, and intentional living.

Gary shares his journey from military service to business ownership, coaching, and podcasting—and we dive deep into how mindset, liquidity, faith, and personal development play a critical role in long-term success. We talk about why liquidity is often more important than chasing returns, how proper exit planning can completely transform a business, and why betting on yourself is one of the highest-ROI decisions you can make.

This conversation covers infinite banking, business strategy, risk management, and the psychology of money, all while reinforcing that true wealth starts with certainty, clarity, and the right community.

🎙️ In this episode, we discuss:

✔️What Capitalizing Your Life really means to me
✔️Why personal growth is a lifelong journey, not a destination
✔️The role of faith, freedom, and individual agency in success
✔️Why liquidity is critical for entrepreneurs and business owners
✔️Exit planning strategies and what it means to sell a business on your terms
✔️Insights from Gary’s Certified Exit Planning Advisor (CEPA) work
✔️How the Infinite Banking Concept creates Tier One Capital
✔️Liquidity vs. leverage in business and real estate
✔️How mindset shapes confidence, risk, and decision-making
✔️Why investing in yourself delivers the greatest long-term return
✔️The importance of community and aligning with like-minded people

If you’re a business owner, entrepreneur, or investor looking to gain more control, reduce risk, and design a business—and life—on your own terms, this episode is for you.

🔗 Learn more about Gary Pinkerton:
👉 https://garypinkerton.com

🎧 Gary’s Gulch Podcast
https://podcasts.apple.com/us/podcast/garys-gulch/id1531010029
https://www.youtube.com/@UC9ZF9GlbnYZPStf4fgvvFGA 

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THE CAPITALIZING YOUR LIFE PODCAST
https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

Mastering the Infinite Banking Concept | Think Like a Banker with Nick Kosko

In this episode of the Capitalizing Your Life podcast, I sit down with Nick Kosko to break down the foundational principles of Nelson Nash’s Infinite Banking Concept (IBC) and how thinking like a banker can transform your financial future.

This conversation dives deep into financial education, long-term wealth building, money management, and banking principles that most people were never taught. Nick explains why traditional personal finance advice often keeps people trapped as customers—and how adopting an ownership mindset can help you take control of your money, increase the velocity of money, and build lasting financial independence.

If you’re interested in Infinite Banking, whole life insurance strategies, wealth building, cash flow management, and financial freedom, this episode will challenge how you think about money and investing.

In this episode, you’ll learn:

✔️ What the Infinite Banking Concept really is (from Nelson Nash’s principles)
✔️ Why long-term thinking is critical for wealth building
✔️ How to think like a banker instead of a borrower
✔️ The difference between being a customer and being an owner
✔️ Why cash value life insurance plays a key role in Infinite Banking
✔️ How the velocity of money impacts financial growth
✔️ Why paying interest to your own system matters
✔️ How to capitalize on opportunities without fear
✔️  Why financial education is the foundation of financial independence

This episode is ideal for entrepreneurs, investors, and anyone serious about personal finance, wealth strategy, and building a financial system you control.

👇 Subscribe for more conversations on Infinite Banking, financial education, and long-term wealth strategies.

👍 Like & share this episode if you want to start thinking differently about money.

Episode Links

Breakaway Wealth Podcast:
https://podcasts.apple.com/us/podcast/breakaway-wealth-podcast/id1438575465

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THE CAPITALIZING YOUR LIFE PODCAST

https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

Join me on this solo episode of the Capitalizing Your Life Podcast as I tackle one of the most talked-about figures in personal finance: Dave Ramsey.

Dave Ramsey is undeniably the GOAT of financial influencers. No one has educated more people on getting out of debt and building strong money habits. That said, I believe there’s a powerful conversation that hasn’t been fully explored—how the Infinite Banking Concept (IBC) actually aligns with Dave Ramsey’s Baby Steps, and in many cases, enhances them.

In this episode, I walk step-by-step through each of Dave Ramsey’s Baby Steps and explain how a properly structured Infinite Banking policy can serve as the foundation for every stage—while maintaining control, liquidity, and cash flow. This isn’t about attacking Dave Ramsey’s philosophy, but rather expanding it for those who are ready to move beyond survival mode and into long-term wealth and legacy planning.

In this episode, I cover:

✔️ Why Dave Ramsey’s Baby Steps work—and where they fall short
✔️ How Infinite Banking mirrors each Baby Step with greater flexibility
✔️ Building an emergency fund through cash value life insurance
✔️ Using IBC to eliminate debt while maintaining control of your cash flow
✔️ Why siloing money into 401ks, IRAs, HSAs, and 529s can create illiquidity
✔️ The dangers of locking capital into qualified retirement plans
✔️ Investing for opportunities instead of arbitrary contribution percentages
✔️Rethinking college planning and why liquidity matters more than labels
✔️Paying off your home as a calculated decision, not an emotional one
✔️ Using Infinite Banking to build wealth, create legacy, and give intentionally

Dave Ramsey Baby Steps Through the Lens of IBC:

Baby Step 1: Emergency fund built through immediate cash value
Baby Step 2: Debt elimination by becoming your own banker
Baby Step 3: Fully funded reserves through uninterrupted growth
Baby Step 4: Investing for control and cash flow—not retirement silos
Baby Step 5: College planning without sacrificing liquidity
Baby Step 6: Home payoff as a strategic choice, not forced illiquidity
Baby Step 7: Building wealth, legacy, and the ability to give while living

👍 If this episode helps you rethink how money works, like, subscribe, and share to help others learn how to capitalize their life.

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THE CAPITALIZING YOUR LIFE PODCAST

https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

In this episode of the Capitalizing Your Life Podcast, I sit down with Jared Adams of Flight Path Financial to break down the Infinite Banking Concept (IBC) and explain how whole life insurance can be used as a powerful tool for financial independence, cash flow control, and generational wealth.

Jared shares how his background in aviation shaped his approach to building disciplined financial systems and why understanding the difference between whole life insurance vs. term insurance is critical for long-term planning. Together, we unpack the often-overlooked benefits of properly structured whole life policies, including guarantees, liquidity, capital access, and legacy protection.

This conversation goes beyond traditional financial advice to explore how creating your own personal banking system allows you to align incentives, maintain control of your money, and unlock opportunities that most people never see. If you’re serious about Infinite Banking, legacy planning, and building a financial system that works for you—not against you—this episode is a must-watch.

🔑 Topics Covered in This Episode:

✔️What the Infinite Banking Concept really is (and why it’s so powerful)
✔️Whole life insurance vs. term insurance explained simply
✔️Using cash value life insurance for capital access and control
✔️Building a financial system for long-term wealth and flexibility
✔️The generational mindset behind legacy planning
✔️The unseen benefits of whole life insurance policies
✔️Why financial education is essential for better money decisions
✔️How aligned incentives benefit policyholders

Episode Links:
https://flightpathfinancial.com/
https://podcasts.apple.com/us/podcast/creating-tailwinds/id1802305084

👍 If this episode helps you rethink how money works, like, subscribe, and share to help others learn how to capitalize their life.

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THE CAPITALIZING YOUR LIFE PODCAST

https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

In this episode, I break down why your savings rate—not ROI—is one of the most critical drivers of financial freedom. Most people are taught to chase higher returns, but few ever stop to ask how much control they actually have over the outcome. I explain why focusing on what you can control—your savings rate—creates stability, flexibility, and long-term financial confidence.

We talk through real-world scenarios, including unexpected expenses and emergencies, to show how a higher savings rate acts as a financial buffer. When your savings rate is strong, small disruptions don’t derail your entire financial plan. When it’s weak, even a minor expense can create stress and instability.

This conversation challenges the traditional investing-first mindset and reframes personal finance around cash flow, consistency, and control—the foundations of long-term financial health.

If you’ve ever felt like you’re doing “everything right” but still feel financially vulnerable, this episode will change how you think about saving, budgeting, and financial freedom.

🔍 In This Episode, I Cover:

✔️ Why savings rate matters more than return on investment
✔️ The one financial metric you fully control
✔️ How a higher savings rate reduces financial stress
✔️ Why emergencies feel different when you’re saving consistently
✔️ The role of budgeting in increasing your savings rate
✔️ How saving 50% of your income changes your financial outlook
✔️ Why financial freedom is built through habits, not market performance
✔️ How low savings rates create financial instability
✔️ Long-term financial health through consistent saving

👉 Subscribe for more conversations on cash flow, Infinite Banking, and building financial independence.
👍 Like if this episode challenged how you think about saving and investing.
💬 Comment below: Do you focus more on returns—or on your savings rate?

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THE CAPITALIZING YOUR LIFE PODCAST

https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

Is the 401k really the best way to plan for retirement — or has it quietly become a failed system?

In this episode, I sit down with Jim Oliver, financial educator and advocate for financial independence, to break down why traditional retirement planning may not be working in your favor. We explore the hidden flaws of the 401k, the historical shift away from pensions, and why many people are unknowingly giving up control of their financial future.

Jim explains why cash flow, tax strategy, and control of capital matter more than account balances, and how the Infinite Banking Concept (IBC) offers an alternative approach to building wealth, reducing tax risk, and creating long-term financial freedom.

If you’ve ever questioned whether your 401k will truly support your retirement — or wondered if there’s a better way — this conversation will challenge everything you’ve been taught about money.

🔍 In This Episode, We Cover:

✔️Why the 401k may not serve your long-term interests
✔️The real truth behind employer matching
✔️How inflation quietly erodes retirement savings
✔️ Why taxes are likely to increase in the future
✔️ Paying taxes on the seed instead of the harvest
✔️ Infinite Banking vs traditional retirement plans
✔️Why cash flow beats accumulation
✔️How IBC gives you control and flexibility
✔️The importance of shifting your financial identity
✔️Building financial independence outside government systems

👉 Subscribe for more conversations on Infinite Banking, cash flow, and building financial independence.
👍 Like if this episode challenged the way you think about retirement planning.
💬 Comment below: Do you trust your 401k — or are you looking for alternatives?

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THE CAPITALIZING YOUR LIFE PODCAST

https://www.capitalizingyourlifepodcast.com/

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services

#401k #infinitebanking  #financialindependence
#cashflow #retirementplanning
#taxstrategy #financialfreedom #wealthbuilding
#personalfinance #investmentstrategies
#lifeinsurancestrategy #infinitebankingconcept
#401kalternatives #buildwealth  #moneymindset

📘 Capitalizing Your Life – Episode 1: Glenn’s Full Financial Story & Why Infinite Banking Changed Everything

Welcome to the very first episode of the Capitalizing Your Life Podcast — a reboot with a new mission:

👉 Teaching you how to structure your finances, build healthy reserves, and capitalize on opportunities through proper cash flow management and the Infinite Banking Concept (IBC).

In this inaugural solo episode, host Glenn Yaney shares — for the first time in full — the real story behind his journey from Red Lobster server earning $23,000/year… to financially independent real estate investor… to IBC practitioner helping others escape the rat race.

This episode is raw, detailed, and packed with the lessons that shaped Glenn’s entire financial philosophy.

🎙️ What You’ll Learn in This Episode

✔️ The missing piece in most financial freedom conversations
✔️ How a Red Lobster GM unknowingly sparked Glenn’s investing journey
✔️ Why “pay yourself first” changed everything
✔️ The mistakes of relying on 401(k)s, stock speculation, and paying off low-interest debt
✔️ How Glenn went from $1,500/month → $15,000/month by following opportunity
✔️ What he learned from real estate investors with 20, 600, and 2,000 units
✔️ Why liquidity and reserves matter more than any “rate of return”
✔️ How hurricanes destroyed $400k of value — and reshaped his financial strategy
✔️ The moment that pushed him toward Infinite Banking
✔️ Why IBC became the foundational system for his future and his family
✔️ What to expect in upcoming episodes with Jim Oliver & Nick Cosco (Create Tailwind)

Work with Glenn:

Set up a time to talk to Glenn using the link here:
https://calendly.com/glennyaney/infinite-banking-intro-call

Email: [email protected]
YouTube: https://www.youtube.com/@CapitalizingYourLifePodcast
LinkedIn: @glennyaney
X (formerly Twitter): @glennyaney

Podcast Management by Kelly Carlson Creative Services