Money Ripples Podcast

Velocity Banking Explained: Why It’s Riskier Than You Think


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Let's chat about infinite banking: https://bit.ly/4lDK4Bw

Is Velocity Banking the same as Infinite Banking? Not even close.

In this episode, I, Chris Miles—cashflow expert and anti-financial advisor—break down the key differences between two often-confused wealth strategies: Velocity Banking (using home equity lines of credit) and Infinite Banking (using whole life insurance policies for tax-advantaged growth and liquidity).

While both strategies involve the concept of "banking on yourself" and accelerating financial growth, they are NOT created equal—and knowing the difference could protect you from major financial setbacks.

You'll learn:

  • What Infinite Banking really is (and what it’s not)

  • How Velocity Banking works using your home equity

  • Why Infinite Banking gives you better long-term control, protection, and growth

  • The hidden dangers of using HELOCs as your primary strategy

  • The real-life example of a client who lost access to her HELOC overnight

  • How people using Velocity Banking are now involved in lawsuits

  • Why I used a hybrid approach—and how you can too

We’re seeing a massive uptick in people using Infinite Banking right now—and for good reason. With whole life insurance, you gain:

  • Predictable growth (up to 6%+ today)

  • Tax-free access to your money

  • Protection from banks, creditors, lawsuits, and the IRS

  • And the ability to double dip by investing your money while still earning interest

If you’ve been considering using either of these strategies—or if you’re wondering how to maximize your cash today—you need to listen all the way through.

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