🔥 Highlights from this week's call — you don't want to miss the next one We got into some seriously deep IBC and wealth-strategy territory on this one. If you weren't there, here's a taste of what got covered: - The PUA vs. loan repayment debate — a candid breakdown of how policyholders are thinking about where to route surplus cash, and why the "right" answer shifts depending on where you are in your policy's life - Carrier-specific PUA mechanics — including a deep dive into catch-up funding rules and lookback provisions that most people don't even know exist until it's too late to use them - The mortgage payoff question — is paying off a low-rate mortgage actually smart? We talked through a framework for evaluating debt efficiency that changes how you think about "good debt" vs. "bad debt" - How to think about saving for next year's premium — without just parking cash in a bank account doing nothing for you - Treating policies as business capital — how policyholders are structuring loans against business-designated funds and thinking about the bookkeeping side of it - Gifting policies to kids — including how to hand over a policy that still has a loan balance, and using it as a teaching tool for the next generation - Insurability planning for kids and spouses — why timing matters more than people realize, especially before hazardous jobs or major life/health changes enter the picture - Convertible term strategy — not all convertible term is created equal, and picking the wrong one can quietly close doors you didn't know were open Plus some great real-world stories from members actively using these strategies in their own businesses and real estate deals. This is the kind of conversation you can't get from a blog post — it's candid, it's real numbers, and it's people actually building this stuff in real time. 👉 Want in on the next one? Keep an eye out for the 24-hour notice and grab a seat.

We've been using IBC for about three years, and there's one question I've never felt completely settled on. When you take a policy loan, what is the best repayment strategy? Our policy has a $25,000 PUA contribution limit each year, with a dollar-for-dollar rollover. If we don't contribute the full $25,000 this year, the unused amount rolls over to next year. Right now, we're using policy loans to cover our real estate taxes, property insurance, and income taxes. So here's my question: If we have extra cash, should our priority be to: 1. Max out the PUA each year (up to the $25,000 annual limit), or 1. Put every extra dollar toward repaying policy loans? Our cash value is earning about 6%, while our policy loan interest rate is around 3%. I'm sure there are other factors to consider, but I'm curious how those of you with more experience think about this tradeoff. Any guidance would be appreciated.

My mom is meeting with a State Farm agent this morning to talk about converting her term policy into an IUL and invited me on ( I thought we were meeting to discuss whole life). I’m not all that familiar with IUL or variable mechanics. What questions should we be asking the agent?

Skool Community, I'm going to open up my zoom link tomorrow for an hour to answer any Q&A from anyone here. Happy to riff on any topic that comes up as well. I know a lot of you are already practicing IBC and can provide value to this group as well so feel free to jump on and add to the conversation! I would especially love to entertain questions from anyone who is still in the "learning about IBC" phase. Let's all learn together. Click HERE at 10AM CST tomorrow to join See you then! David

All: I would appreciate any conversation or thoughts on this simple BUT powerful statement: "Money has got to flow..." I am taking this from our study of the Infinite Banking Concept. A launch point in discussion could be why do some of us have money sitting in secondary checking accounts, High Yield Savings, or any number of saving vehicles where it is benefiting someone other than us? On the surface my request for discussion might appears simple but checkout your "warehouses" of money. As always, I hope this helps someone like it HELPS me to just put it down in writing. Then I say I know better and MUST do better in writing to myself.