The Cashflow Chronicles

The Case for Base: Why Bigger Isn’t Always Better in Infinite Banking


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In today’s episode of The Cashflow Chronicles, we’re diving deep into one of the most overlooked (yet critical) parts of designing an Infinite Banking policy: the base premium.

You’ve probably seen the hype around “high PUA” designs like 10/90 or 25/75. And sure, they look great early on. But what happens in year 10? Year 20? Or when the insurance company cuts off your ability to overfund?

This episode is called “The Case for Base” because we’re breaking down why a stronger base premium creates longer-lasting power, better long-term compounding, and more flexibility in the years you need it most.

You'll learn:

  • Why chasing early liquidity can cap your long-term wealth

  • What happens when your base is too small and PUAs get cut off

  • Real-life side-by-side numbers comparing a 25/75 vs 40/60 structure

  • Easy metaphors to help you see why a strong foundation wins

  • Why Nelson Nash always taught to “Think Long Term” — and how that applies to your own financial legacy

🛠️ Ready to Take Action?

This episode is jam-packed with insights for anyone serious about using Infinite Banking not just for a quick win, but to build wealth for decades and generations.

Here are 3 easy ways to take the next step:

  1. 🎥 Watch our full Save & Spend Presentation — The exact system we teach clients➤ https://youtu.be/IZ6MiMNZ5aM?si=tKU8LbYX_kVbHKo7

  2. 📅 Book Your Free Consultation Callhttps://calendly.com/shawnksfg/infinite-banking

  3. 📥 Download the FREE Legacy Builder Outline — Start crafting your generational wealth plan today➤ https://shawnking-sfg.systeme.io

Subscribe, share, and leave a review if you learned something during todays episode.

📩 Questions? Reach out anytime:
Website: https://legacylifeandretirement.com
Social Links + Podcast Hub: https://linktr.ee/legacylifeandretirement


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The Cashflow ChroniclesBy Shawn King

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